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Dandy Lakes First Federal Credit Matrimony, Online/Mobile Cyberbanking

Terminate USER Agreement

Please read the following disclosure for Great Lakes Commencement Federal Credit Union's Internet Cyberbanking. Once consummate, please click the push at the bottom to accept the terms and conditions of this disclosure to continue to the Home Banking login.

INTRODUCTION

Bully Lakes First Federal Credit Unions, Online/Mobile Banking is provided as a service of Corking Lakes Beginning Federal Credit Spousal relationship and permits access to member business relationship information and, upon request, allows account transactions to be conducted. You are subject field to the rules and regulations governing the general use of those accounts. When you use Online/Mobile Cyberbanking or authorize others to use it, you lot agree to the terms and conditions of this understanding. Your use of Online/Mobile Banking may too be affected by the agreements you already take with us. If you lot use these services or borrow from an existing line of credit you have with us, you will be reaffirming the terms previously disclosed to y'all.

For more information almost your accounts with GLFFCU, refer to our "membership agreement and disclosures" which has been previously provided to you. If you have misplaced that agreement, please telephone call the credit union and we will provide you lot with another or it is bachelor online on our home page in the lower left corner "Disclosures."

ONLINE/MOBILE Cyberbanking SERVICES

What you will need: You volition need a computer, an Net account and compliant browser software to utilise Online Cyberbanking and/or a mobile device with a data package. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or Internet connection software. Online/Mobile Cyberbanking can be used 24 hours a day, vii days a week unless organisation maintenance or malfunctions brand it unavailable. The Internet accost for Online/Mobile Banking is https://www.shareteccu.com/greatlakes. At the present time, you lot may use Online/Mobile Cyberbanking to:

Transfer funds; review account balances and transaction history; change countersign, and review loan information.

From time to time, we will denote additional services, which are available through Online/Mobile Banking. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced. We reserve the right to limit access or abolish on-line access at any fourth dimension.

Swell Lakes First Federal Credit Marriage and any other entities involved in the design, development or performance of Online/Mobile Banking are not responsible for loss, expense, injury, cost or damage resulting from any access obtained to business relationship information or whatever transaction conducted on whatsoever account.

ONLINE/MOBILE Cyberbanking SERVICE LIMITATIONS

Online/Mobile Banking Limitations: The following limitations on Online/Mobile Banking apply:

Transfers: You may make funds transfers to your other accounts equally oftentimes as you like. You may transfer or withdraw up to the available balance in your account, except every bit express under this agreement or your deposit or loan agreements. The Credit Marriage reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, or lower an account below a required balance. The credit matrimony may set other limits on the amount of any transaction and you will exist notified of those limits. Account Data: The account balance and transaction history information may be express to recent business relationship information involving your accounts. Also, the availability of funds for transfer or withdrawal may be express due to the processing fourth dimension for any ATM deposit transactions and our Funds Availability Policy. Eastward-mail: You may use the east-mail to send messages to us. Due east-mail service may not, however, be used to initiate a transfer on your account or a end payment request. The Credit Marriage may not immediately receive Due east-mail service communications that y'all send and the Credit Wedlock will not accept action based on E-post requests until the Credit Union really receives your message and has a reasonable opportunity to act. If you demand to contact the Credit Spousal relationship immediately regarding an unauthorized transaction or terminate payment request, you may telephone call the Credit Matrimony at (906) 786-4623.

SECURITY OF ACCESS CODE

Initial Access: Contact the Credit Union for data on how to receive your initial countersign. You will use the initial password the very first fourth dimension you log on to Online/Mobile Banking. Subsequently successfully accessing Online/Mobile Banking you volition be prompted to change your password. We suggest for security purposes that you use at least a 6 digit alphanumeric password, utilizing both Uppercase letters and small letters. You may modify your password at anytime past selecting the appropriate function from the menu within Online/Mobile Banking.

Security: The personal identification number or Pivot that you select is for your security purposes. The PIN is confidential and should non be disclosed to tertiary parties or recorded. Yous are responsible for safekeeping your PIN. Yous agree not to disclose or otherwise make your PIN available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or utilise your PIN, y'all understand that person may utilize Online/Mobile Banking to review all of your account data and make account transactions. Therefore, we are entitled to deed on transaction instructions received using your PIN and you agree that the utilize of your PIN will accept the same effect every bit your signature authorizing transactions.

Authorization: If you qualify anyone to use your PIN in any manner, that say-so will be considered unlimited in amount and fashion until you specifically revoke such authority by notifying the Credit Marriage and changing your Pin immediately. You are responsible for any transactions made by such person until you notify us that transactions and PIN by that person are no longer authorized and your Pivot is inverse. If you neglect to maintain or change security of the PIN and the Credit Union suffers a loss, nosotros may stop your electronic funds transfer and account services immediately.

Member Liability: You are responsible for all transfers you authorize using Online/Mobile Banking nether this agreement. If you lot allow other persons to utilise your Pin, you lot are responsible for whatsoever transactions they qualify or conduct on whatever of your accounts. However, tell usa at once if y'all believe anyone has used your Pivot and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Online/Mobile Banking transaction, if you lot tell us within 2 (2) business days, y'all can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business organisation days later you larn of the unauthorized use of your account or Pin, and if we tin can bear witness that nosotros could have stopped someone from using your account or PIN without your permission, if you had told the states, you could lose as much as $500. Also if your statement shows Online/Mobile Banking transfers that you did not make, tell us at in one case. If you practice non tell u.s.a. within sixty (threescore) days afterward the argument was mailed to you, you may exist liable for the full amount of the loss if nosotros tin can prove that we could accept stopped someone from making the unauthorized transactions. If a good reason (such every bit a hospital stay) kept you from telling us, nosotros may extend the time periods. If yous believe your PIN has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activating on your business relationship, notify the Credit Spousal relationship immediately. Nosotros can be reached at (906) 786-4623, (906) 428-2363 or write u.s.: 2110 Third Avenue North, Escanaba, MI 49829.

Fees & Charges: There are currently no fees for accessing your accounts through Online/Mobile Cyberbanking. Nosotros reserve the correct to impose/change the fee amount, if necessary, after providing 30 days notice to all users. We practise not have whatsoever control over fees implemented by your Internet provider.

Business organization Day: Our business organisation days are Mon through Fri except Federal holidays.

Transaction Documentation: All transactions processed through Online/Mobile Banking will be recorded on your periodic statement. If there is activity on the business relationship you lot will receive a monthly statement. In the event that that there is no activity on the account, a quarterly statement may exist sent.

Account Data Disclosure: Nosotros will maintain the confidentiality and privacy of your account information in accord with our privacy policy every bit stated on our website at: www.glffcu.com. However, we may disclose information to tertiary parties about your Internet Cyberbanking transfers yous make in the following limited circumstances.

As necessary to complete transfers; To verify the beingness of sufficient funds to cover specific transactions upon the potency request of a tertiary party merchant; To comply with government bureau or court orders; or if you requite your express permission.

Limitation of Liability for Online/Mobile Banking: If we practice no complete a transfer to or from your account on time or in the right amount according to our agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error. Y'all agree that neither we nor the service providers shall be responsible for any loss, belongings damage or loss, whether acquired by the equipment, software, Credit Union, or by Cyberspace browser providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers exist responsible for any direct, indirect, special or consequential economical or other amercement arising in any way out of the installation, download, utilize or maintenance of the equipment, software, Online/Mobile Cyberbanking services or Internet browser or access software. In this regard, although we accept taken measures to provide security for communications from you to us via Online/Mobile Banking and may take referred to such communication as secure, we cannot and do non provide whatsoever warranty or guarantee of such security. In states that do non permit the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Wedlock will non be liable for the following:

If, through no fault of ours, y'all do not have enough money in your business relationship to make the transfer or your account is inactive. If you used the wrong Pivot or you lot take not properly followed any applicable computer, or Credit Union user instructions for making transactions. If your computer fails or malfunctions or the telephone lines or Credit Union reckoner organization was not properly working and such trouble should have been credible when you attempted such transaction. If circumstances beyond your command (such equally burn, flood, telecommunications outages or strikes or equipment or power failure), forestall the transaction from being processed. If the funds in your business relationship are subject to an authoritative hold, legal process or other merits. I If you accept not given the Credit Union consummate, correct and current instructions so the Credit Union can procedure a transfer. If an error was caused past a organisation beyond the Credit Union's control such as a telecommunications system, an Internet service provider, any calculator virus or problems related to software not provided past the Credit Matrimony. If there are other exceptions every bit established by the Credit Marriage.

Indemnification: Except to the extent that we are liable under the terms of this agreement or an agreement that otherwise governs your account, if you are an owner of an account, you concur to indemnify and agree us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in whatsoever way connected with an account or the performance of an online service. This indemnification is provided without regard to whether our merits for indemnification is due to the use of Online/Mobile Banking by you or your authorized representative.

Termination of Online/Mobile Banking: You agree that nosotros may finish this agreement and Online/Mobile Cyberbanking, if y'all, or whatsoever authorized user of Online/Mobile Banking or Pivot breach this or whatever other agreement with us; or if we take reason to believe that at that place has been an unauthorized utilize of your accounts or PIN or if y'all deport or endeavor to behave any fraudulent, illegal or unlawful transaction, or if we reasonably believe your account conduct poses an undue risk of illegality or unlawfulness. You or any other party to your business relationship can terminate this agreement by notifying us in writing. Termination of service will be constructive the offset business day following receipt of your written notice. Termination of this understanding will not affect the rights and responsibilities of the parties under this agreement for transaction(s) initiated before termination.

Notices: The Credit Spousal relationship reserves the correct to change the terms and conditions upon which this service is offered. The Credit Union volition notify you at least twenty-i (21) days before the effective date of any alter as required by law. This means nosotros will mail y'all find. Use of this service is field of study to existing regulations governing the Credit Spousal relationship business relationship and whatsoever futurity changes to those regulations.

Statement Errors: In example of errors or questions virtually Online/Mobile Banking transactions, contact u.s.a. past: phone at (906) 786-4623 or write united states of america at: 2110 Tertiary Avenue North, Escanaba, MI 49829 as soon every bit you tin can. We must hear from yous no afterwards than sixty (60) days afterward nosotros sent the kickoff argument on which the trouble appears.

Tell united states your name and account number. Depict the transaction you are unsure virtually, and explain as conspicuously as you can why yous believe it is an error or why you need more than data. Tell us the dollar amount of the suspected error. If you tell u.s. orally, we may require that you transport us your complaint or question in writing within x business days.

We will tell you the results of our investigation inside ten (ten) days after we hear from you and will right the fault promptly. For errors related to transactions occurring within thirty (xxx) days after the offset deposit to the account (new account), we will tell you the results of our investigation inside xx (20) days. If we need more time, yet, nosotros may take up to twoscore-v (45) agenda days to investigate your complaint or question (90 (ninety) calendar days for new account transaction errors, or errors involving transactions initiated outside the The states). If we decide to do this, we will re-credit your account within ten (10) business concern days for the amount y'all retrieve is in error, so that yous volition take 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 inside ten (ten) business organisation days, nosotros may not re-credit your account.

If we make up one's mind afterwards our investigation that an error did not occur, nosotros will deliver or mail service to y'all an explanation of our findings within iii (3) business organisation days after the conclusion of our investigation. If you asking, nosotros volition provide yous copies of documents (to the extent possible without violating other members rights to privacy) relied upon to conclude that the fault did not occur.

Enforcement: You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this agreement that the Credit Union incurs as a issue of any dispute involving your accounts or services. Y'all qualify the Credit Union to deduct any such liability, loss, or expense from your account without prior detect to you. This agreement shall be governed by and construed under the laws of the country of Michigan equally practical to contracts entered into solely betwixt residents of and to be performed entirely in such state. In the event either party brings legal activity to enforce the agreement or collect any overdrawn funds on accounts accessed nether this agreement, the prevailing political party shall be entitled, subject to Michigan law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and whatsoever post-judgment collection actions if applicative. Should whatsoever 1 or more provisions of this understanding exist determined illegal or unenforceable in any relevant jurisdiction, so such provision be modified by the proper court, if possible, but but to the extent necessary to make the provision enforceable and such modification shall not affect whatever other provision of this agreement.

Cookies: Any information that we collect is stored using a cookie that is placed on your figurer. We do Not use this cookie to collect or store personally identifiable data about you. However, the cookie is used to rails information about how you collaborate with our website. It also allows our website to be customized to meet your interests.

Children's Online Privacy: The law requires parental consent to collect or use information from a child nether 13. If you are a child under 13, delight show this to your parents and practise not use the online services of this establishment without verifiable parental consent pursuant to the Children'southward Online Privacy Protection Act.

Sallie Mae

Become the money you need to assist make higher instruction happen
Student loans from Great Lakes Kickoff Federal Credit Matrimony in partnership with Sallie Mae®
could help!

For those attending a degree-granting establishment
Whether you lot're an undergraduate or graduate student these flexible loans are designed to
meet your needs:
– Competitive variable and fixed interest rates
– No origination fee or prepayment penalty1
– Multiple repayment options

Undergraduate
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Pay for your available'due south, associate's, or certificate expenses at a degree-granting school

Graduate
Graduate Schoolhouse Loan
Pay for expenses as y'all pursue your main's and doctoral degrees

MBA Loan
Pay for your business school expenses as you pursue your Masters of Business Assistants
degree

Medical School Loan
Pay for your medical degree expenses in allopathic, full general, osteopathic, podiatric,
radiology, sports, and veterinary medicine

Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial
surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Graduate School Loan for Health Professions
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other
graduate-level wellness programs

Law School Loan
Pay for your school and associated expenses every bit you study for your police degree
Nosotros encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for
college. Students and families should evaluate all anticipated monthly loan payments, and how much the student
expects to earn in the future, earlier considering a individual student loan.

These loans are made past Sallie Mae Bank or a lender partner. Great Lakes Commencement Federal Credit Union is not the
creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Smart Choice Student Loan and graduate loan products: These loans are for students at participating degreegranting schools. Smart Option Student Loan data is for undergraduates only. Graduate
Document/Standing Instruction coursework is not eligible for MBA, Medical, Dental, and Constabulary School Loans.
Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating
school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and
provide an unexpired regime-issued photo ID to verify their identity. Applications are discipline to a requested
minimum loan amount of $i,000. Current credit and other eligibility criteria employ.

1 Although we practise not charge a penalty or fee if you prepay your loan, any prepayment will be practical equally outlined
in your promissory note—beginning to Unpaid Fees and costs, and so to Unpaid Interest, and and then to Current Chief.
SALLIE MAE RESERVES THE Correct TO Change OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT Whatever Fourth dimension
WITHOUT Discover.

© 2021 Sallie Mae Depository financial institution. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos
are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the
trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae
Banking concern, are non sponsored by or agencies of the Usa of America.

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Source: https://www.glffcu.com/sallie-mae/

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