1 Online Banking User Agreement



In this Agreement, the words "you" or "your" mean the consumer or business that has enrolled in the Diamond Credit Union’s Electronic Banking
Services and "we", "us" or "our" refers to Diamond Credit Union. "Account" or "accounts" refer to your Diamond Credit Union’s accounts that you
have designated for use with the Services.

If you consent to our online/electronic banking services agreement and disclosure statement, print or request a copy of the document, click to agree
and proceed with your enrollment. By your consent you agree that we may provide you with all disclosures, notices and other communications (the
"documents") about Online Banking, Mobile Banking, Bill Payer and the Services, including the Online/Electronic Banking Services Agreement and
any future amendments, in electronic form. You may download or print the documents from your electronic device. (At your request, we will provide
you with a paper copy of any of the disclosures you have agreed to without a fee.) You have the right to withdraw this consent without any fee, but if
you do, we will immediately terminate your participation in Mobile, Online Banking or Bill Payer Services. You have the right to obtain copies of any
of the documents we provided electronically. Withdraw your consent to our electronic disclosures by calling us at (610) 326-5490, or Toll Free: 800-
593-1000, or write to us at Diamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464.
You will receive an email to alert you to any changes related to disclosures, agreements, notices, modifications, and amendments. The body of the e-
mail will contain the documen t or a link to the document. You have a right to request a free paper copy of any disclosures, agreements, notices,
modifications, and amendments that we delivered in electronic form.
Upon enrollment in the Electronic Communications Package, you are conse nting and agreeing to receive your periodic account statements, all
disclosures, agreements, notices, modifications, and amendments in electronic form that we would normally provide to you in paper form via U.S.
Mail. Each document, which may be presented to you electronically under this Agreement, may be printed if you have a printer available or saved and
retained for your records. You may not consent to receive your account statements and disclosures electronically under this Agreement if you do not
have the capability to print or retain the documents. If you choose not to consent to our electronic disclosures, you will not be able to access our Mobile,
Online Banking, Bill Payer or the Services.

If you choose not to consent to our electronic disclosures, you will not be able to access our Mobile, Online Banking, Bill pay or the Services.

This Diamond Credit Union Online/Electronic Banking Services Agreement (the "Services Agreement") contains important terms and conditions
which govern the following Diamond Credit Union Electronic Banking services: Mobile Banking, Online Banking ("InternetBanking"), Bill Pay,
and certain other electronic banking services offered through Diamond Credit Union Electronic Banking (collectively, the "Ser vices"). You
understand and agree that by using the Services, you are accepting the terms and conditions of this Services Agreement, and that your use of your
login credentials will be considered the same as your written signature in authorizing us to complete any transaction or request communicated to
us. All electronic communications that meet these requirement s will be deemed to be valid and authentic and you intend and agree that those
electronic communications will be given the same legal effect as written and signed paper communications. You agree that elec tronic copies of
communications are valid and you will not contest the validity of the originals or copies, absent proof of altered data or tampering. Because the
Services are performed electronically, they are governed by federal and state laws and regulations pertaining to electronic funds transfers which
entitle you to certain benefits and protections, which are contained in this Services Agreement.

a. Account Access. To access your account via the Services, you must have at least one eligible deposit or loan account, a Customer Identifier
("User ID"), and a password (the "Password") that you choose. You may only designate accounts that you own jointly, severally orotherwise
or that you have the authority to use. You agree to provide us with any additional documentation we may require to permit access to your
account. If you apply for an account or service via Electronic Banking or ask to change an account or service you already usewith us, you
agree that we can treat your application or request as if it had been made in writing and signed by you. You understand by enrolling for Bill
Payment, that you authorize us to investigate and verify any information supplied by you. You authorize us to make any credit or
investigative inquiry that the Credit Union determines is appropriate to utilize bill payment services.
b. Joint Accounts. If you have designated a joint account to be accessible via the Services, each joint owner will be jointly and severally liable
under this Services Agreement. We may act upon the instructions of any joint owner concernin g the account without the consent of any
other person.
c. Limitations and Dollar Amounts for Transfers and Payments. Transfers from one designated account to another may not exceed the available
balance in your account from which the transfers are made. Bill payments are limited to a standard $25,000.00 per bill and may not exceed
the available balance in the account from which payments are made. We reserve the right to limit the frequency and dollar amo unt of
transactions from your designated accounts for security reasons.
d. Your Password. We will be entitled to act on all instructions received under your Password. Since your Password is used to identify you as
an authorized user of the Services, you agree to notify us immediately if the secrecy of your Password is compromised, and you also agree
not to reveal your Password to any person not authorized to use the Services. The security of your Account depends upon maintaining the
secrecy of your Password. You may change your Password at any time while you are using the Services. To assist us in maintaining the
security of your Services account(s), we may revoke or cancel your Password at any time without giving you prior notice. You agree not to
use your Password for any transaction that would cause your account balance to go below zero. We will not be required to complete any
such transaction, but if we do, you agree to pay us the amount of the improper withdrawal or transfer upon demand and any associated fees
for such service. Otherwise, you authorize us to collect any such amounts, including the amount of the service fees you may owe us from
any account you maintain with us.
e. Protecting Your Account. You are solely responsible for maintaining the secrecy of your login credentials. For your protectio n, we
recommend you memorize this information, do not write it down, and change in periodically. Properly constructed credentials affordyou a
greater degree of assurance and are more secure if a) they contain more characters, b) if those characters are both alpha an d numeric
characters, c) if the consist of both upper and lower case. If your log in criteria is entered incorrectly on several consecutive attempts, your
access to the Services will be blocked. To activate, please call Customer Support at(610) 326-5490, or Toll Free: 800-593-1000. You should
also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. Someone
may use this information alone, or in conjunction with other information,to access your account. If you believe that your login criteria has
been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notifyus immediately
by calling the number above. We reserve the right to deny access if user verification cannot be determined.
f. Your Electronic Device. You agree to be fully responsible for the installation, maintenance and operation of your electronic device and
software. We are not responsible for any errors or failures from the malfunction of your electronic device, software, or for any virus or
related problems associated with the use of an online system. You will be responsible for contracting with your own Internet Service or
Phone Provider. You are responsible for the security of your electronic device. You must also meet our minimum browser requirements.
g. Secure Electronic Messaging Services. You may communicate with us through our secure messaging service. To ensure the security of your
account information, we encourage you to use only this service when transferring information to us regarding your account.
h. New Services. We may, from time to time introduce new Electronic Banking services. You will be notified of these services, and we may
update this Services Agreement to incorporate any new services. If you are a consumer, your use of the new services will signify your
acceptance of the terms and conditions governing these new services. We require proper authorization before providing certain requested
services to business entities.
i. Fees and Charges. The fees and charges for the Services available through Diamond Credit Union Electronic Banking are set forth later in
this Services Agreement. You agree that we may change the terms of this Services Agreement, including the fees at any time, and you will
be notified of any such change by mail or by an electronic message. You understand that by using the Services after any change becomes
effective, you have agreed to the changes.
j. When You May Access Your Account. Subject to conditions beyond our control, you can access your accounts via the Services, 7 days a
week, 24 hours a day. There may be times, however, when some or all of the Services may not be available.
k. Hardware and Software Requirements. In order to use any of the online features Diamond offers, your computer must meet the following
specifications: broadband Internet access, a browser that supports encryption, cookies enabled, Windows Vista or Mac OS X 10.9 or newer,
and have at least Internet Explorer 11, Microsoft Edge, Mozilla Firefox 51.0, Google Chrome 56.0, or Apple Safari 10.0 installed. You must
also have a PDF reader, such as Adobe® Reader®, if you wish to view your account statements online. Mobile features require Android 6.0
or greater, iPhone® iOS 9 or greater, and a 2-megapixel camera for check deposits.

a. What You Can Do. If you have enrolled in Electronic Banking, you may:
• Obtain balance information, account detail information and transaction history on all eligible accounts enrolled in Electronic Banking.
Unless otherwise noted, transactional history reflects activity through the close of business of the previous business day. For Electronic
Banking, our business days are Monday through Friday, excluding federal holidays.
• Transfer funds between designated Diamond Credit Union accounts. See Special Withdrawal Limitations. Limitations and Dollar
Amounts for Transfers and Payments in Sections 2. (c) and 2. (d) above.
The following services may not be available through all electronic channels:
• Deposit checks and share drafts.
• Make bill payments to preauthorized creditors.
• Place and/or delete a stop payment on a check you have written.
• Reorder checks.
• Transmit secure electronic messages to Diamond Credit Union.
• Balance Inquiries. You may use Mobile or Online Banking to check the balances and recent activity of your Accounts. The balan ce
shown may not be your actual available balance. The balance shown may also differ from your records because it may not include
deposits in progress, outstanding checks, or other withdrawals, payments, or charges, or items in process.
• Funds Transfers Between Diamond Credit Union Accounts. You may transfer funds between eligible Diamond Credit Union accounts
through Mobile, or Online Banking. An "eligible account" is an Account linked to the Electronic Banking service that does not have
withdrawal restrictions. Eligibility is based on account type and customer to account relationship. When you request a transfer of funds
between your Diamond Credit Union accounts, you authorize us to withdraw the necessary funds from the Diamond Credit Union account
you designate. You agree that you will instruct us to make a withdrawal only when a sufficient balance is or will be available in your
designated account at the time of withdrawal. We will not be obligated to act on any withdrawal instruction if there are not sufficient
funds in the account you have designated. If you request a funds transfer on a weekend or holiday, we will transfer the funds from the
designated account on the next business day. You will not be able to cancel funds transfer requests between Diamond Credit Un ion
accounts once they are submitted. Please note that funds transfer requests performed after 10:00 p.m. Eastern Time may not actually post
to your account until the next business day. Special Note: Borrowing from an existing line of credit you have with us shall be subject to
the terms and conditions of your line of credit agreement.
• Alerts. Automatic Alerts may be sent to you following important account activities or when certain changes are made online to your
Online Banking account, such as a change in your email address, your credentials, or irregular card activity. These alerts will be
automatically activated for you. Although you may have the option to suppress some of these Automatic Alerts, we strongly recommend
that you do not. They provide important information related to your online security or account activities. Voluntary Account Alerts must
be activated. Voluntary Account Alerts allow you to choose alert messages for your accounts. We may add new alerts from time to time
or cancel old alerts. Each alert has different options available, and you will be asked to select from among these options upon activation
of your alerts service. Both Automatic Alerts and Voluntary Account Alerts are subject to the following: We may add new Automatic
and Voluntary Account Alerts from time to time or cancel old alerts. We may notify you when we cancel alerts but are not obligated to
do so. Alerts will be sent to the email address you have provided as your primary email address for Online Banking. You may also choose
to have alerts sent to a secondary email address, including a mobile device that accepts e-mail messages. If there is a change to your email
address or mobile phone number, you are responsible for informing us of that change. While Diamond Credit Union does not charge for
the delivery of the alerts, please be advised that data charges or rates may be imposed by your carrier. Changes to your primary and
secondary email addresses will apply to all corresponding Alerts. You understand and agree that your alerts may be delayed orprevented
by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery
nor the accuracy of the contents of any alert. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected
delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of
an alert. Because alerts are not encrypted, we will not include your credentials or full account number. However, alerts may include your
name and some information about your accounts. Depending upon which alerts you select, information such as your account balance or
the due date for a bill payment may be included. Anyone with access to your email will be able to view the contents of these alerts.
• Stop Payments. You may initiate stop payment requests only for paper checks you have written (non-electronically) on your Credit Union
account. Stop payments made through the Services after 10 PM will be deemed received the next business day. By placing a stop payment
order on-line, you have authorized, directed and requested us to stop payment on the check requested. You agree to indemnify and hold
us harmless from any and all claims, liabilities, costs and expenses, including but not limited to, court costs and reasonable attorney fees,
resulting from or growing out of our refusal to pay the stopped check. We shall have no liability to you for the payment of the identified
check contrary to this stop payment order if the indicated check number, dollar amount or account number is not accurate. We are not
liable to you if we paid the identified check if we acted in good faith or exercised ordinary care. Any damages that you incur and which
we may be liable for are limited to actual damages not to exceed the amount of the check. You understand that if the stop payment order
comes too late for us to have a reasonable time to act on it prior to accepting, certifying, paying, settling for, posting or becoming
accountable for the check, that this stop payment order shall be of no effect. This stop payment order shall be governed by the provisions
of the Uniform Commercial Code in effect in the State of Pennsylvania. This stop payment order shall be valid for a period of six (6)
months from the date it is made unless we have received a revocation or renewal prior to expiration of such period. You agree that we
may charge you a fee for processing this stop payment order as well as a similar fee for each renewal you make, such fee to be deducted
from your account. Refer to the current schedule of fees for your account.
b. Customer Service. If you need assistance with Electronic Banking, or if you need to communicate with Diamond Credit Union, please notify
us by: Sending a secure electronic message to our Electronic Banking Customer Service area. Calling Diamond Credit Union at (610) 326-
5490, or Toll Free: 800-593-1000. You agree that we may record the conversations our employees have with you to monitor the quality of
service and accuracy of information provided to you. Write to us at: Diamond Credit Union, 1600 Medical Drive, Pottstown, PA 19464.
c. Lost or Stolen Device. Classic Contact - If your mobile device is lost or stolen, contact customer service using any of the above methods.
If you are concerned about misuse of your phone, contact your mobile service provider immediately to discontinue service. For questions
regarding de-activation, please contact us. Independent Mobile - If your mobile device is lost or stolen, the service can be immediately
disabled by logging into Online Banking and clicking Mobile Banking, then following instructions to disable. If you are concerned about
misuse of your phone, contact your mobile service provider immediately to discontinue service. For questions regarding de-activation, please
contact us.

4. BILL PAYER SERVICES AGREEMENT Some Bill Pay Services may not be available through all electronic channels.
This is your Bill Payer agreement with the Credit Union. You may use the Bill Payer service to direct the Credit Union to make payments from
your designated checking account to the “Payees” you choose in accordance with this agreement. The terms and conditions of this agreement are
in addition to the account agreements, disclosures and other documents in effect from time to time governing your account. The Credit Union has
the right to change this agreement at any time by notice as permitted by law.
a. Payees. You may schedule current, future or recurring payments to a person or business in the United States through BillPayer. By furnishing
us with the names, addresses and telephone numbers of your Payees, and account information, you authorize us to follow your p ayment
instructions to these Payees. Payments may only be made from an active funding account. The Credit Union is not responsible for payments
that cannot be made due to incomplete, incorrect, or outdated information and you are solely responsible for maintaining thecurrent address
and account number of each Payee that you designate. The Credit Union reserves th e right to refuse the designation of a Payee for any
b. Prohibited Payments. You may not use Bill Payer to make payments to payees outside the United States or U.S. Territories. You may not
make a payment of alimony, child support, taxes, other governmental fees, or court directed payments through Bill Payer.
c. Payment Account. To enroll for Bill Payer, you must reside in the United States and have at least one linked Diamond Credit Union checking
account. You may use Bill Payer to make payments from linked accounts. You must designate the account from which Diamond Credit
Union is to make payment. This account will be known as the Payment Account. By originating a Bill Payer request, you authorize us to
withdraw the necessary funds from your Payment Account. You agree that you will instruct us to make a withdrawal only when a sufficient
balance is or will be available in your Payment Account at the time of scheduled withdrawal. We will not be obligated to act on any
withdrawal instruction from you if there are insufficient funds in the Payment Account. If you have overdraft protection on your Payment
Account, we may use available funds in that overdraft protection account to cover Bill Payer requests. For account holders who have multiple
accounts affiliated with Bill Payer, if you close your Payment Account, you must notify us and identify a new Payment Account or we may
select one for you. For Bill Payer services, every day is a business day, except Saturday, Sunday and federal holidays. Saturday, Sunday and
Monday are considered one business day. Federal holidays are considered part of the following business day.
d. Scheduling Payments. You may use Bill Payer to schedule payments on the date that you enter the payment information, on a future date,
or on the same date of each month, subject to restrictions set forth in this Agreement. You may enter payment information24 hours a day,
7 days a week (subject to system availability), however, payments will only be initiated by us on business days. Bill Payments are processed
on the requested process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which
is controlled by the Financial Institution, is currently 2:00 p.m. Eastern Time. A single payment submitted after the cut -off time on the
designated process date will be processed on the next business day. If you designate a non-business date as the payment’s processing date,
the payment will be processed on the first business day following the designated processing date. Payments will be made by electronic funds
transfers if the Payees are set up to receive such p ayments, or by check if they are unable to receive electronic funds transfers. The time
period which is required to process payments will vary according to the payment method and other factors. Payments issued by check
through the Bill Payer system will be considered stale dated 90 days after the initiation date. The Bill Payer system will calculate the
Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your Payees.
Sufficient time must be allowed for payments to be received by each Payee. You must schedule the Date of your payment to be at least 6
business days prior to the Due Date of your payment. The "Deliver by Date" is the date on which your payment is due, without taking into
account any applicable grace period. The "Process Date" is the date the payment is requested to be sent. We will not be responsible for any
loss you may incur as a result of a late payment if your payment is not scheduled within the time periods described in thisSection.
e. Future or Recurring Bill Payments. You may schedule a future or recurring payment to be initiated by us on any future business day (up to
364 days in advance) through Bill Payer. We shall complete the payment, provided there are sufficient fundsin your Payment Account. You
will receive confirmation the payment is scheduled at the time you request the payment. If a payment fails for any reason, you will receive
notification via an electronic message. To ensure proper notification, please provide us with your most current email address, updating as
necessary. Recurring bill payments must be in the same amount each period (weekly, monthly, semi-annual, etc.). If the regular payment
date falls on a weekend or a holiday, it will be initiated on the fo llowing business day. When a recurring payment is processed, it is
automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for
the next occurrence of the payment. If the calcul ated processing date is a non-business date, it is automatically adjusted. If the recurring
payment’s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date
prior to the calculated processing date. If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence
of the payment is adjusted to the first business date after the calculated processing date. Note that if your frequency settings for the recurring
payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the mo nth of the
calculated processing date, then the last calendar day of that month is used as the calculated processing date.
f. Changing or Canceling Payments. You may utilize Bill Payer to: (1) modify either the payment amount or date the bill payment is initiated
for any future or recurring bill payment at any time prior to 2:00 p.m. Eastern Time on the date the bill payment isscheduled to be initiated
by us, or (2) cancel a current, future, or recurring bill payment, at any time, prior to 2:00 p.m. Eastern Time on the Busine ss Day it was
scheduled for payment. Once an electronic payment has been submitted to the payee, the payment may not be stopped or cancelled. WE
g. Fees. Fees for access to the Bill Payer service will be disclosed as required in the Credit Union’s Fees Schedule. Fees specific to your usage
of the service such as gift checks, donations, and rush delivery will only be disclosed through the Bill Payer system at the time they are
h. Liability. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. The
Credit Union is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.
The Credit Union is not liable for any failure to make a bill payment if you fail to promptly notify the Credit Union after you learn that you
have not received credit from a Payee for a bill payment. The Credit Union is not responsible for your acts or omissions or those of any
other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the
Financial Institution's agent.
i. Canceling Bill Payer. We reserve the right to suspend or terminate your use of Bill Payer at any time , for any reason, without prior
notification. The Bill Payer service will remain open for customers that actively make regular payments through this service. After 60 days
of inactivity, the Bill Payer service may be discontinued. If this occurs, your bill payment history and payee information will be removed
from Electronic banking. If you wish to terminate Bill Payer, please contact us. It is your responsibility to cancel all future bill payments at
the same time by deleting those payments through Bill Payer. This will ensure that future payments made by you will not be duplicated. The
Credit Union is not responsible for any fixed payment made before the Credit Union has a reasonable opportunity to act on your termination
notice and you remain obligated for any payments made by the Credit Union on your behalf. If we are not contacted, Bill Payer fees will
continue to be assessed. You should contact us as described in the Customer Service section below.
j. Customer Service. If you would like assistance with Bill Payer, or would like to communicate with Diamond Credit Union, please notify us
by: Sending a secure electronic message to our Diamond Credit Union Electronic Banking Customer Service area. Calling (610) 326-5490,
or Toll Free: 800-593-1000. You agree t hat we may record conversations with you to monitor the quality of service and accuracy of
information provided to you. This will also help to ensure that your instructions are followed. Writing to us at: Diamond Credit Union,
1600 Medical Drive, Pottstown, PA 19464.

a. We will be responsible for your actual losses if directly caused by our failure to: Complete a funds transfer to or from your account on time.
Cancel a funds transfer or a bill payment as properly requested.
b. We will not be responsible for your losses if: Through no fault of ours, you do not have enough available funds in your account to make the
transfer or if your funds are subject to legal process or other legal encumbrance. You have given us inaccurate or incomplete information.
Your payment instructions are not given to us sufficiently in advance to allow for timely payment or delays in mail service. You have
overdraft protection with us and the transfer would exceed the overdraft protection limit. We have reason to believe a transaction has not
been properly authorized. The losses result from an electronic device virus or related problem. Your electronic device or any part of the
Services was not working properly. Circumstances beyond our control, such as a fire or a flood, interfered with or prevented the transaction.
We made a timely payment but the payee (i.e., a merchant or other institution) did not timely credit your payment. You or we have terminated
this Services Agreement. You are a busin ess customer, and we have acted in accordance with reasonable commercial standards of the
banking business and the security procedures described herein. There may be other exceptions in our agreements with you.

a. Other Agreements. In addition to this Services Agreement, you agree to be bound by and will comply with the requirements of the Terms
and Conditions governing your deposit and/or loan accounts, the rules and regulations of any funds transfer system to which we belong, and
applicable state and federal laws and regulations.
b. Right to Terminate. We may terminate any or all of your Diamond Credit Union Electronic Banking Services any time for any rea son,
without prior notification. Electronic Banking customers with no deposit account may be removed from the service after 120 days with no
login activity. If your Service is discontinued, your Bill Payer information will be lost. If you wish to cancel any of your Services, please
contact us by any of the methods described in this Agreement.
c. Notices. Except as otherwise provided in this Services Agreement, all notices required to be sent to you will be effective when we mail or
transmit them, through e-mail or secure electronic messaging, to the last known address or to the last known e-mail address that we have for
you in our records. For accounts with more than one owner, we may send notices to any one co-owner. A notice sent to any one co-owner
is effective for all. You agree that we may send or provide electronically any notice, communicatio n, or other disclosure required to be
provided orally or in writing to you. We may require written paper confirmation of any electronic or verbal communication that you request.
Information you send to us is deemed delivered when we receive and review it.
d. Statements. E-Statements periods retained online are limited to the six (6) most current statement cycles. You will receive an email
notification when your electronic account statement is ready for retrieval within NetBranch (Online Banking). You agree toand understand
that it is your responsibility to view, print, and/or save your statements for future reference. Access to these statements will be password-
protected via a NetBranch (On-line Banking) sign-on for your security and protection. All of your transfers made through the Services will
appear on your monthly account statement. You agree to review your statement promptly after you receive it. If your statement shows
transactions that you did not authorize, you must tell us at once. You also agree totell us promptly about any change in your address. Certain
accounts will receive a quarterly statement if there is no monthly activity.

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