This Agreement and Disclosure provides information about the 1st Liberty eStatement service.

For the purpose of this document, "I", "me", "my," and "mine" shall refer to each Depositor who signs up for 1st Liberty's eStatement Service. "You", "your", or "Credit Union" shall refer to 1st Liberty Federal Credit Union. has the deposit account accessed through 1st Liberty Bill Payment.

1. 1st Liberty's eStatement Service

   The 1st Liberty Bill Payment is a consumer electronic banking service. It may be accessed through our FreedomTeller home banking program using a personal computer through www.1stliberty.org on the Internet.

2. Paper Statements

   I agree to receive my periodic account statements online through your eStatement service. My eStatements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic funds transfer information, year-to-date and interest. The choice (paper or eStatement) that is recorded on your system on the last day of the month will be the only method used to deliver that month's statement. I should allow 2 business days for any change request to become effective.

3. eStatement Access

   I understand that in order to use 1st Liberty's eStatement service I must have an open account at 1st Liberty Federal Credit Union.

4. Electronic Notification

   I agree to accept electronic notifications from 1st Liberty's eStatement service. Such notifications are used to let me know when my eStatement is available each month. I agree to update 1st Liberty Federal Credit Union when my e-mail address or other contact information changes. Additionally, I agree to notify 1st Liberty Federal Credit Union if I am not recieving monthly notifications.

5. Service Available through 1st Liberty's eStatement Service

   The 1st Liberty's eStatement service allows me to:

   1. Securely view monthly account statements for all accounts including credit card accounts.
   2. Access up to 18 months of history from the time of eStatement sign-up until such service is cancelled.

   Collectively, these are referred to as the "1st Liberty's eStatement service".

6. General Information About 1st Liberty's eStatement Service

   I may use 1st Liberty eStatement service virtually any time, day or night, 7 days a week. However, FreedomTeller may be temporarily unavailable due to 1st Liberty Federal Credit Union's record updating, or technical difficulties. In addition, access to 1st Liberty eStatement service is made available pursuant to a license agreement by and between 1st Liberty Federal Credit Union and DigitalMailer. Any interruption of service or access caused by DigitalMailer will also prevent my use of the service. To utilize the services, I will need to enter my assigned FreedomTeller Password and otherwise satisfy the system's security procedures.

7. Fees
   1. Service Fees

      1st Liberty Federal Credit Union will not charge a monthly service fee for the use of 1st Liberty eStatement Service.

8. Security Procedures.

   A FreedomTeller Password will be issued to me for security purposes. The Password is confidential and should not be disclosed to third parties. I am responsible for the safekeeping of the Password. I agree not to disclose or otherwise make the Password available to anyone not authorized to sign on my accounts.

   I represent that I have considered the security procedures of the 1st Liberty eStatement Services and find that the security procedures are commercially reasonable for verifying that communication purporting to have been issued by me is, in fact, mine. In reaching this determination.

   If the 1st Liberty eStatement Service security procedures are not, in my judgment, commercially reasonable, I must inform you within 30 days.

9. Liability for Unauthorized Use

   I will notify you immediately if I believe that my FreedomTeller Password has become known to an unauthorized person. Telephoning 1-800-824-0585 is the best way of keeping my possible losses to a minimum.

   If I do not inform you within two banking days after I have learned that my Password has become known to an unauthorized person, and you can prove that I could have stopped someone from using my Password without my permission if I had told you, I could be liable up to $500.00.

   Also, if my statement shows electronic funds transfers that I did not make, I will notify you immediately. You may require me to provide my complaint in the form of affidavit. If I do not inform you within 60 days after the statement was mailed, I may not get back any money I lost after the 60 days if you can prove that you could have stopped someone from taking the money if I had told you in time. If a good reason (such as a long trip or a hospital stay) kept me from telling you, you will extend the time periods.