OMNI Community Credit Union
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Children’s Online Privacy Protection
Protecting the information of our members and their children is very important.  OMNI Community Credit Union will not collect, use or disclose online information received from children under the age of 13 without prior parental notification and consent, which will include an opportunity for the parent to prevent use of information and participation in the activity.  Online information will only be used to respond directly to the child’s request and will not be used for other purposes without prior parental consent.

VISA

CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT THIS IS YOUR CREDIT LINE AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, CASHBACK PLATINUM AND CASHBACK PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR CASHBACK PLATINUM AND CASHBACK PLATINUM REWARDS CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

In this agreement, the reference to "We", "Us", "Our" and "Credit Union" mean OMNI COMMUNITY CREDIT UNION. The words "You" and "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns as plural. The words "Card" and "Credit Card" mean any Cashback Platinum and Cashback Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals. Convenience Checks mean the special account access devices that We may provide for Your use from time to time. You, as the Borrower, under a Credit Line Account ("Account") understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees identified by You, direct transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by Your or by any user who has access to Your account, with actual apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.

FEATURE CATEGORIES: Your Account has Feature Categories which may include Cashback Platinum and Cashback Platinum Rewards.

ADVANCES: Whenever You request a transaction, We may require You to prove Your identity. When the amount advanced appears on a subsequent statement that will be conclusive evidence of Your advance request unless You notify Us that You disagree with such items appearing on Your periodic statement according to the provision of this Agreement titled "YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE". You understand that all advances are subject to Our prior approval.

SECURITY: As permitted by law, to secure all transactions under this Agreement in either joint or individual Accounts, We have the right to impress and enforce a statutory lien against your shares on deposit with Us (other than those deposits established under a governmental approved tax deferral plan such as an IRA or Keogh Account), and any dividends due or to become due to You from Us to the extent that You owe on any unpaid balance on Your Account and We may enforce Our right to do so without further notice to You. Additionally, You agree that We may set-off any mutual indebtedness.

OTHER SECURITY: Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan You may have with Us will secure all amounts You owe Us now and in the future if that status is reflected in the "Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt.

LINE OF CREDIT LIMITS: You will be notified of each specific Credit Limit for each Feature Category for which You are approved. Unless You are in default, any Credit Limits established for You will generally be self-replenishing as You make payments. You will keep your unpaid balance within Your Credit Limit set by Us, and You will pay an amount over Your Credit Limit on Our demand whether or not We authorize the advances which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less that Your Credit Limit, You will have no credit available during any time that any aspect of Your Account is in default.

JOINT ACCOUNTS: Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a Personal Identification Number (PIN) is requested and approved, You understand that any such Account access device(s) will be mailed only to the primary Borrower at the address that We have on file for You. We may refuse to follow any instructions which run counter to this provision.

MINIMUM MONTHLY CONTRACTUAL PAYMENTS (PAYMENT SCHEDULE): Though You need only pay the Minimum Monthly Contractual Payments; You understand that You have the right to repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance. You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States.
Upon receipt of a payment We shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest until the payment is exhausted.
Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease Your periodic Finance Charges.
Cashback Platinum and Cashback Platinum Rewards Minimum Contractual Payments will be an amount equal to 2.00% of Your new unpaid Cashback Platinum and Cashback Platinum Rewards balance at the end pf each billing cycle, subject to the lesser of $25.00 or Your balance, plus You may, by separate agreement, authorize Us to charge Your payment directly to Your Share or Share Draft Account.

VISA FINANCE CHARGES: In the case of any transactions under Your Cashback Platinum and Cashback Platinum Rewards Feature Categories the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (new and previous). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, cash advances, insurance premiums, debit adjustments or other charges and subtract any payments, credit and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.
You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the new balance of purchases and subsequent purchases from the date they are posted to Your Account will be subject to the Finance Charge. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the cash advance is posted to Your Account.

PERIODIC STATEMENTS: On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since Your last statement. We will mail You a statement each month in which there is a debit or credit balance or when a Finance Charge is imposed. We need not send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted.

 EACH STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.

OUR RESPONSIBILITES TO HONOR CONVENIENCE CHECKS: We are under no obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been reported lost or stolen; (3) Your Account has been cancelled or has expired. If a postdated Convenience Check is paid and, as a result, any other Convenience check is returned unpaid, We are not responsible for any resulting loss or liability.

DEFAULT: You will be in default if:



(a)

You do not make any payment or perform any obligation under this agreement that You may have with Us; or

(b)

You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or

(c)

You have made a false or misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or

(d)

A judgment or tax lien should be filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or proceeding to seize any of Your funds on deposit with us; and/or

(e)

We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or soon will be impaired, time being of the very essence.


COLLECTION COSTS: In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, You agree to pay all court costs, private process server fees, investigations fees or other costs incurred in collection and actual attorneys’ fees incurred in the course of collection any amounts owed under this Agreement or in the recovery of any Collateral.

ENFORCEMENT: We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments or any other payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement is determined to be unenforceable or invalid, all other provisions remain in full force and effect.

NOTIFICATION OF ADDRESS CHANGE: You will notify us promptly if you move or otherwise have a change of address.

CHANGE IN TERMS: We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the Federal Truth-in-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic rate applicable to Your unpaid balance and/or further advances.

CREDIT INSURANCE: Credit insurance is not required for any extension of credit under this Agreement. However, You may purchase any credit insurance available through Us and have the premiums added to Your outstanding balance. If You elect to do so, You will be given the necessary disclosures and documents separately.

INTEGRATED DOCUMENTS: Any separate sheet of paper labeled "additional Disclosure-Federal Truth0In) lending Act", and/or "Credit Line Account Advance Request and Security Agreement" which is delivered together with this Agreement or at a later date becomes an integrated part of this Agreement and Disclosure.

CONSENT TO AGREEMENT: You Acknowledge receipt of a copy of this Agreement. By signing the application; or by using Your Account or any Account access device; or by authorizing another to use Your Account, You agree to and accept its terms

UPDATING AND DISCLOSING FINANCIAL INFORMATION: You will provide facts to update information contained in your original Account application or other financial information related to you, at Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business need for such information.

TERMINATION: Either You or We may cancel Your Account or any particular Feature Category of Your Account, at any time, whether or not You are in default. You will in any case, remain liable to pay any unpaid balances according to the terms of Your Account.

GOVERNING LAW: This Agreement is controlled and governed by the laws of the State of Michigan except to the extreme that such laws are inconsistent with controlling federal law.


SPECIFIC TERMS APPLICABLE TO YOUR CASHBACK PLATINUM AND CASHBACK PLATINUM REWARDS
USE OF YOUR CARD: You may use Your Card to buy goods and services in any place that is honored and to get cash advances at participating financial institutions. You agree not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagers where such practices are in violation of applicable state and/or federal law.

OWNERSHIP: Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its use immediately upon Our request.

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER: We will issue, upon Your request, a Personal Identification Number (PIN) for use with participating Automated Teller Machines (ATMs). This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to access Your Account and all sums advanced will be added to your Account balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may also affect Your rights.

EFFECT OF AGREEMENT: Even though the sales, cash advance, credit or other slips You may sign or receive when using Your Card contain terms, this Agreement is the contract which solely applies to all transactions involving the Card.

UNAUTHORIZED USE: You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of the loss, theft or possible unauthorized use by calling Us during regular business hours at (800) 828-3901, and after hours, on weekends and holidays at (800) 991-4961. You may also write to Us at the address shown in this Agreement. In any case Your liability will not exceed $50.

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS: We are not liable for the refusal or inability of merchants, financial institutions and others to accept the Cards or Convenience Checks, or electronic terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards or Convenience Checks.

FOREIGN TRANSACTIONS: For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. In each instance, You will be charged a fee in an amount equal to 1.00% of the settlement amount.

TRANSACTION SLIPS: Your monthly statement will identify that merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advances, credit or other slips cannot be returned with the statement.

LATE CHARGE: If Your payment is one or more days past due, You will be charged $25

LATE PAYMENT AND ANNUAL PERCENTAGE RATE: If Your VISA Feature Category is 60 or more days past due at any time, the Monthly Periodic Rate applicable to Your entire balance existing at that time and in the future will increase to 1.500% (corresponding ANNUAL PERCENTAGE RATE 18%).

LOST CARDS OR CONVENIENCE CHECKS: To report lost or stolen Credit Cards or Convenience Checks, You will immediately call us during regular business hours at (800) 828-3901, and after hours, on weekends and holidays at (800) 991-4961. You may also write to us at the address shown in this agreement.

CREDITS: If a merchant who honors Your Card gives You credit for returns or adjustments, they will do so by sending Us a slip which will be posted to Your Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is $1.00 or more refund it on Your written request or automatically deposit it to Your Share Account after six months.

YOUR BILLING RIGHTS-KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about Your rights and Our responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT
If You think Your statement is wrong, or if You need more information about a transaction on Your statement, write Us on a separate sheet, at Our address shown in this Agreement. Write to Us as soon as possible. We must hear from You no later than 60 days after We sent You the first statement on which the error or problem appeared. You can telephone Us, but doing so will not preserve Your rights. In Your letter, give Us the following information:



Your Name and Account number

Dollar amount of the suspected error

Describe the error and explain, if You can, why You believe there is an error. If You need more information, describe the item You are not sure about.

If You have authorized Us to pay Your bill automatically from Your Share or Share Draft Account, You can stop the payment on any amount You think is wrong. To stop the payment, Your letter must reach Us three business days before the automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE
We must acknowledge Your letter within 30 days, unless We have corrected the error by then. Within 90 days, We must either correct the error or explain why We believe the statement is correct. After we receive Your letter We cannot try to collect any amount You question, or report You as delinquent. We can continue to bill You for the amount You question, including Finance Charges, and We can apply any unpaid amount against Your Credit Limit. You do not have to pay any questioned amount while We are investigating, but You are still obligated to pay the parts of Your statement that are not in question. If We find that We made a mistake on Your statement, You will not have to pay any finance Charges related to any questioned amount. If We did not make a mistake, You may have to pay Finance charges, and You will have to make up any missed payments on the questioned amount. In either case, We will send You a statement of the amount You owe and the date that it is due. If You fail to pay the amount that We think you owe, We may report You as delinquent. However, if Our explanation does not satisfy You and You write to Us within 10 days telling Us that You still refuse to pay, We must tell anyone We reported You to that You have a questions about Your statement and We must tell You the name of anyone We reported You to. We must tell anyone We reported You to that the matter has been settled between Us when it finally is. If We don’t follow these rules. We can’t collect the first $50 of the questioned amount, even if Your statement is correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES
If You have a problem with the quality of property or services that you purchased with a Credit Card and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right:



(a)

You must have made the purchases in Your home state, or, if not within Your home state, within 100 miles of Your current mailing address; and

(b)

The purchase price must have been more than $50

These limitations do not apply if We own or operate the merchant, or if We mailed You the advertisement for the property or services.


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Cashback Platinum
8.99-17.99%

Cashback Platinum Rewards
9.99-15.99%

Monthly Periodic Rate

Cashback Platinum
.749-1.499%

Cashback Platinum Rewards
.833-1.333%

APR for Cash Advances

Cashback Platinum
8.99-17.99%

Cashback Platinum Rewards
9.99-15.99%

Penalty APR and When it Applies

18%
This APR may be applied to your account if you:
      1)    Are 60 or more days past due at any time

How Long Will the Penalty APR Apply? : If your APRs are increased for the reason above, the Penalty APR will apply until you make six consecutive minimum payments by the due date

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

 

Fees

Annual Fee

None

 

Transactions Fees
Balance Transfer

Cash Advance

Foreign Transaction


None

None

For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. Dollars) will be:



(a)

a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself receives; or

(b)

the government mandated rate in effect for the applicable central processing date. In each instance, You will be charged a fee in an amount equal to 1.00% of the settlement amount

 

Penalty Fees
Late Payment
Over-the-Credit Limit


Up to $25
Up to $25

 

Other Fees
Card Replacement


$5

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

 

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking account(s).
Electronic check or draft conversion. You may authorize a merchant or other payee to make a onetime electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.
Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

iTalk Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (269) 441-3100 or (877) 963-5888 using your personal identification number, a touch tone phone, and your account numbers, to:

• transfer funds between checking, savings, and club
• transfer funds from line of credit to checking, savings, or club
• make payments from checking, savings, or club to loan accounts with us
• obtain account balances and transaction history
• transfer funds from account to account (cross account transfer; limitations apply per disclosure and agreement)

ATM Transfers - types of transfers and frequency and dollar limitations - You may access your account(s) by ATM using your ATM card and VISA Check Card and personal identification number, to:

• make deposits to checking or savings account(s) only at depository ATMs we own or operate
• get cash withdrawals from checking or savings account(s)
• you may make no more than ten withdrawals per 24 hours, aggregated for all suffixes
• you may withdraw no more than $1,000.00 per 24 hours, aggregated for all suffixes
• transfer funds between checking and savings account(s)
• obtain account balance(s)

Some of these services may not be available at all terminals.

Types of Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.

Online Banking Transfers - types of transfers - You may access your account(s) through the Internet using your personal identification number and your account number, to:

• transfer funds between checking, savings, and club
• transfer funds from line of credit to checking, savings, or club
• make payments from checking, savings, or club to loan accounts with us
• make payments from checking to third parties (Bill Payment)
• obtain information about:
• the account balance of checking, savings, club, loans, and certificate accounts
• the last 45 days transactions on checking accounts
• the last 6 months transactions on savings, club, loans, and certificate accounts
• transfer funds from account to account (cross account transfer; limitations apply per disclosure and agreement)

Types of VISA Check Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept

Point-of-Sale Transactions - dollar limitations - Using your card:

• you may not exceed $5,000.00 in transactions per day

Currency Conversion. Purchases and cash advances made in currencies other than U.S. dollars will be converted to and billed to you in U.S. dollars under the regulations established by VISA International. We do not determine the currency conversion rate which is used, nor do we receive any portions of the currency conversion rate. The conversion rate to U.S. dollars will be (I) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (II) the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Issuer. Conversion to U.S. dollars may occur on a date other than the transaction date; therefore, the currency conversion rate may be different than the rate in effect at the time of the transaction. You agree to pay the converted amount.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

FEES

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (269) 441-1400 or 1-888-OMNI-WOW to find out whether or not the deposit has been made.
Periodic statements. You will get a monthly account statement from us for your checking or savings accounts.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at the telephone number or address listed in this brochure in time for us to receive
your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 calendar days after you call.
We will charge you for each stop-payment order you initiate. For current fees, see separate fee schedule.
Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:
1. where it is necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency or court orders; or
4. if you give us written permission.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional Limit on Liability for VISA Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Check Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by VISA.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, or that someone has transferred or may have transferred money from your account without your permission, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check or draft without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 calendar days after we sent the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for VISA Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have 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 within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

OMNI Community Credit Union
P.O. Box 1537
Battle Creek, MI 49016 Phone: (269) 441-1400 or (800) OMNI-WOW

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.
1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
3. Compare your records with the account statements you receive.
4. Don't lend your ATM card to anyone.
5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
7. Prevent others from seeing you enter your PIN by using your body to shield their view.
8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
10. Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
12. Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

Electronic Signatures and National Commerce Act (ESIGN)

This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN).

By opening an account online you must consent to conduct business electronically which includes receiving all pertinent disclosures in electronic format. You will not be asked for your consent again.

Please provide us with your email address so we can contact you in regards to the status of your application and provide you with any further information you may be receiving electronically.

If you prefer to receive any record provided to you or made available in a paper form instead of electronic the forms are available at all branch locations and can be printed from our website www.omnicommunitycu.org. If requested a form can also be mailed to you at the address you provide. If you would like to receive any forms or disclosures in a hard copy version after consent you may do so by calling a contact center representative at 866-OMNI-WOW or visiting any of our branch locations. If you request any initial documents electronically there will not be a fee.

If you choose to not conduct your financial affairs in this format or do not wish to consent you may withdraw your consent. There will be no fees or consequences if you choose to withdraw your consent.

In order to withdraw consent you must stop the online application process and come to any of our branch locations if you wish to open an account.

Minimum hardware and software requirements
• A computer with a Modem(Dial-up, Cable, DSL, etc...)
• Access to the Internet through an Internet Service Provider (for example, America Online, CompuServe, NetCom)
• Browser software that supports Secure Sockets Layer (SSL) security. We recommend one of these packages which we have tested and support:
• IE 6.0 with Service Pack 1
• IE 4.x (all versions)
• Netscape 4.x (all versions)
• Netscape 6.x (all versions)
• MAC running Mozilla 1.7.5
• MAC running Netscape 7.2

A member must have the following to use NTMC home banking:

• A computer with a Modem(Dial-up, Cable, DSL, etc...)
• Access to the Internet through an Internet Service Provider (for example, America Online, CompuServe, NetCom)
• Browser software that supports Secure Sockets Layer (SSL) security. We recommend one of these packages which we have tested and support:
• IE 6.0 with Service Pack 1
• IE 4.x (all versions)
• Netscape 4.x (all versions)
• Netscape 6.x (all versions)
• MAC running Mozilla 1.7.5
• MAC running Netscape 7.2

Third Party Links from our Site

OMNI Community Credit Union provides links from this website to other non-OMNI Community Credit Union operated websites for your information only. OMNI Community Credit Union neither recommends nor endorses any products or services appearing on these alternative sites. Neither are we responsible for the privacy practices or the contents of any website other than our own. OMNI Community Credit Union does not represent Credit Union members or third parties should the two enter into an online transaction. OMNI Community Credit Union suggests that you engage in an appropriate investigation for any products and services prior to purchase. Questions as to the content, availability or maintenance of these websites should be directed to the site owners.

Truth in Savings

Savings or Special Savings Account

Rate Information: The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: The minimum balance to open this Savings account is $5.00. The minimum balance to open a Special Savings account may be $5.00. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

Smart Savings Account

Rate Information: The interest rate and annual percentage yield may change at any time as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $1000.00 in your account to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union of your or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

Christmas Club Account

Rate Information: The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawal is made from this account before October 1, then this account may be closed.

Penny Panda/Cyber Saver Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: The minimum balance required to open this account is $5.00. You must maintain a minimum balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

IRA Savings Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or similar instruction, or similar order to a third party.

Checking Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $5,000.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: No transaction limitations apply to this account.

Smart Checking

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: No transaction limitations apply to this account.

Rewards Checking

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: No transaction limitations apply to this account.

Money Market Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: You must maintain a minimum balance of $2500.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction with no transfers by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set for above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

Certificate of Deposit (CD)

Rate Information: You will be paid the disclosed rate until first maturity.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: The minimum balance required to open this account is $1,000.00 (except Penny Panda certificate of deposit, which requires a minimum of $200.00 or a Cyber Saver certificate of deposit, which requires a minimum of $500.00). You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield (except Penny Panda certificate of deposit, which requires a minimum of $200.00 or a Cyber Saver certificate of deposit, which requires a minimum of $500.00).
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates. This interest withdrawal limitation does not apply if you have made arrangements to have interest paid to your or to another account in lieu of having it credited to this account.
Early Withdrawal Penalties: (a penalty may be imposed for withdrawals before maturity)
• If your account has an original maturity of one year or less:
The penalty we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than one year:
The penalty we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of Interest Prior to maturity: The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after finial maturity. Each Renewal term will be the same as the original term, beginning on the maturity date which have the same term, minimum balance (if any) and other features as the original time account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged and early withdrawal penalty.

IRA Certificate of Deposit (CD)

Rate Information: You will be paid the disclosed rate until first maturity.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: The minimum balance required to open this account is $1,000.00. You must maintain a minimum balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates. This interest withdrawal limitation does not apply if you have made arrangements to have interest paid to your or to another account in lieu of having it credited to this account.
Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity)
• If your account has an original maturity of one year or less:
The penalty we may impose will equal 90 days interest on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than one year:
The penalty we may impose will equal 180 days interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of Interest Prior to maturity: The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after finial maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on the new IRA time accounts on he maturity date which have the same term, minimum balance (if any) and other features as the original IRA time account.
You will have a grace period of ten calendar days after maturity to withdrawal the funds with out being charged an early withdrawal penalty.

Common Features

Bylaw Requirements: You must complete payment of $5.00 in your Savings account as a condition of admission to membership.
Transaction Limitations: We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from any interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
National Credit Union Share Insurance Fund: Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

USA Patriot Act Disclosure

The United and Strengthening of America by providing appropriate tools to intercept and obstruct terrorism act better known as the USA Patriot Act was recently enacted to deter and punish terrorist acts in the United States and around the world and to enhance the investigatory tools of law enforcement. As a result of the USA Patriot Act we, as a financial institution, are required to obtain, verify and record the identity of a member when a new account is opened. For this verification process OMNI Community Credit Union will request specific information and documentation from you as a new member. This information includes but is not limited to;

• Legal name
• Date of birth
• Residence (physical address, cannot be a P.O. Box)
• Valid Social Security Number
• Valid Drivers License or other government issued identification.

Cashback Rebate

While it is the intent of the OMNI Community Credit Union Board of Directors to pay the Cashback Rebate each year, payment of the Cashback Rebate and/or the amount of the Cashback Rebate is not guaranteed. Must be a member of OMNI Community Credit Union, on record, as of November 24, 2014, keeping your account active through January 16, 2015. OMNI Community Credit Union reserves the right to change the Cashback Rebate eligibility criteria.

Home Equity Loans

Your Annual Percentage Rate is based on individual credit qualifications and may vary.

Product Calculator

This calculator is an estimation of how much your account will earn.

Product Compare

APY = Annual Percentage Yield

Loan Compare

APR = Annual Percentage Rate.  Rate may vary based on credit worthiness.

Auto Loan

OMNI 48-month used auto loan Annual Percentage Rate is as low as 3.49% as of 04/06/2011, and is based on a $20,000 balance with a monthly payment of $447.09. Subject to credit approval. Rate may change at any time, and may vary based on term and credit qualification. Bank Average APR is 4.77% as of 04/06/2011 at the following banks: Chase, Huntington, Fifth Third, PNC, Wells Fargo and Comerica. Loan survey provided by MyBankTracker.com.

Employee NMLS #s

OMNI Employee Employee NMLS #
Gina Anderson 358251
Courtney Armour 779863
Lee Buschke 360295
Lindsey Suter 906803
Lori Courtney 357710
Tammie Cronkhite 337912
Shawn Davis 1026751
David Eddy 356181
Heather England 899295
Shirley Ferguson 820635
Danna Finney 1048870
Anne Johnson 363761
Carolyn Sullivan-Cardwell 1137623
Kristal Jourdan 355363
Heather Kyle 1026797
Diane Leverentz 873950
Keri Miller 1048894
Abigail Patterson 1026763
Angela Robb 355955
Debi Southworth 354517
Jennifer Staley 588162
Jackie Vahovick 360163
Erin Wade 354698
Angela Bryant 1119839
Jodi Hageman 1137296
Victoria Ratkos 1144490
Deborah Gay 1228964
Claudia-Bettina Hoffmann 1232675
Kara Canfield 1218676
Clyaton Hulsey 1312215
Carla Tungate 1312188

MOBILE BANKING TERMS AND CONDITIONS

This Agreement governs your use of Mobile Banking services and Remote Deposit services provided to you by OMNI Community Credit Union.

MOBILE BANKING TERMS AND CONDITIONS

For purposes of this Agreement, Mobile Banking means the financial services that OMNI Community Credit Union makes available, and to which you have access, using a wireless handheld device such as a cell phone, PDA, or tablet and includes, by way of example and not limitation, mobile web banking and banking initiated by means of a downloadable application.

Your use of Mobile Banking is subject to this Agreement and to the following, all of which are considered part of this Agreement:

1. Terms or instructions appearing on OMNI Community Credit Union 's website and elsewhere when enrolling for, activating, accessing, or using Mobile Banking;

2. OMNI Community Credit Union 's rules, procedures and policies, as amended from time to time, that apply to Mobile Banking or any Account you maintain with OMNI Community Credit Union;

3. Current rules and regulations, if any, of any funds transfer system or payment system used in connection with any Account; and

4. State and Federal laws and regulations, as specifically applicable.

In addition, each Account will continue to be subject to the Membership Agreement applicable to such Account. If this Agreement conflicts with the separate agreement to which an Account is subject, then this Agreement will control and take precedence, unless this Agreement expressly states otherwise.

USING A DOWNLOADABLE APPLICATION

Ownership. You acknowledge and agree that a third party provider to OMNI Community Credit Union, if applicable, is the owner of all right, title and interest in and to the downloadable software, the computer programs contained therein, and any accompanying user documentation (collectively called the Software).

License.Subject to the terms and conditions of this Agreement, you are hereby granted a limited, nonexclusive license to use the Software in accordance with the terms of this Agreement. All rights not expressly granted to you by this Agreement are hereby reserved by the owner of the Software. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. This Agreement may be terminated at any time, for any reason or no reason. Upon termination, you agree to immediately destroy all copies of the Software in your possession or control.

Restrictions.You shall not: (i) modify, revise or create any derivative works of the Software; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Software; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Software; or (iv) remove or alter any proprietary notices, legends, symbols or labels in the Software, including, but not limited to, any trademark, logo or copyright.

Disclaimer of Warranty. The software is provided on an as is and as available basis without warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. No warranty is provided that the software will be free from defects or viruses or that operation of the software will be uninterrupted. Your use of the software and any other material or services downloaded or made available to you through the software is at your own discretion and risk, and you are solely responsible for any damage resulting from their use.

Limitation of Liability. To the maximum extent permitted by applicable law, in no event will OMNI Community Credit Union, the provider of any financial services available through or related to the software, any of their contractors or providers or any of each of their affiliates be liable for any damages arising out of the use or inability to use the software, including but not limited to any general, special, incidental or consequential damages, even if advised of the possibility thereof, and regardless of the legal or equitable theory (contract, tort or otherwise) upon which any claim is based. In any case, liability of OMNI Community Credit Union or any of the other persons or entities described in the preceding sentence arising out of the use or inability to use the software shall not exceed in the aggregate the lesser of $10.00 or the sum of the fees paid by you for this license.

Miscellaneous. This Agreement constitutes the entire agreement between the parties concerning Mobile Banking. This Agreement will be governed by and construed in accordance with the laws of the state of Michigan, excluding that body of laws pertaining to conflict of laws. The parties expressly consent to jurisdiction and venue thereof and therein. The parties confirm that this Agreement and all related documentation is and will be in the English language. If any provision of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded.

Content and Services. Neither OMNI Community Credit Union nor the provider of the wireless network is the provider of any financial services available through or related to the Software, and neither OMNI Community Credit Union nor the provider of the wireless network or any contractor of the provider of the financial services available through or related to the Software, is responsible for any of the materials, information, products or services made available to you via the Software.

REMOTE DEPOSIT TERMS AND CONDITIONS

Remote Deposit provides you the ability to access and make deposits to your designated eligible Accounts using either the Software referenced above or a home scanner and personal computer. Remote Deposit is designed to take advantage of the Check Clearing for the 21st Century Act and its regulations (collectively, Check 21). Remote Deposit enables you to use a compatible handheld device or home scanner to capture an image of original paper checks (Original Checks) that are drawn on or payable through U.S. financial institutions (each a Check Image) and to electronically submit the Check Image and associated deposit information to OMNI Community Credit Union from your home or other remote locations for deposit into a designated eligible Account for collection thereafter by OMNI Community Credit Union. A Check Image submitted to OMNI Community Credit Union electronically for deposit is not deemed received until OMNI Community Credit Union accepts and confirms receipt of your Check Image deposit.

Your use of Remote Deposit is subject to these requirements:

1. You must have or acquire and maintain a compatible handheld device and a wireless plan from a compatible wireless carrier.

2. You must qualify, and OMNI Community Credit Union must approve, your eligibility.

You may scan and submit Check Images for deposit to OMNI Community Credit Union within the dollar limits (Deposit Limits) established for you by OMNI Community Credit Union. OMNI Community Credit Union reserves the right to limit the frequency and dollar amount of deposits submitted through Remote Deposit. If you exceed the Deposit Limits established for you, OMNI Community Credit Union may in its sole discretion accept or refuse the Check Image deposit. If at any time OMNI Community Credit Union accepts a Check Image deposit that exceeds your Deposit Limits, OMNI Community Credit Union will have no obligation to do so in the future. OMNI Community Credit Union may at any time at its sole discretion raise or lower your Deposit Limits.

By requesting access to Remote Deposit, you authorize OMNI Community Credit Union to provide you with access to all of the Share Accounts eligible for Remote Deposit, which are a Primary Savings Account or a Checking Account and other Accounts as may be eligible in the future.

Scanning and submitting Check Image deposits does not constitute approval of the deposit by OMNI Community Credit Union. Generally, Check Image deposits received prior to 5:00 PM Eastern Time are posted to your account on the Business Day of receipt. Any Check Image deposit that requires review or that is received after 5:00 PM Eastern Time or on Saturdays, Sundays, federal holidays, Good Friday, Friday after Thanksgiving, Christmas Eve and New Year's Eve will be posted on OMNI Community Credit Union 's next Business Day. Acknowledgment that your Check Image deposit has been received by OMNI Community Credit Union does not mean that the Check Image deposit was received error free.

You agree that you will use Remote Deposit to scan only Original Checks payable to and properly endorsed by you, drawn on financial institutions in the United States with a valid ABA/Routing Number and denominated in U.S. Dollars, and intended for deposit by you to your designated Account with OMNI Community Credit Union. All other items may be deposited by alternate methods such as in person or by mail.

You understand that OMNI Community Credit Union is not obligated to accept for deposit any Check Image that OMNI Community Credit Union in its sole discretion determines to be ineligible for Remote Deposit. Ineligible items include: Check Images of items drawn on banks located outside the United States, Check Images that are illegible, images of checks previously converted to Substitute Checks as defined by Check 21, and Check Images with unreadable MICR information. The quality of any Check Image must comply with the requirements established from time to time by any regulatory agency, clearing house or association. You acknowledge and agree that even if OMNI Community Credit Union does not identify a Check Image as ineligible, the Check Image may be returned to OMNI Community Credit Union because, among other reasons, the Check Image or any Substitute Check created from the Check Image is deemed ineligible by the financial institution upon which it is drawn or any intermediate collecting financial institution. OMNI Community Credit Union's failure to identify a Check Image you transmit to OMNI Community Credit Union as ineligible shall not preclude or limit your obligations.

You agree to be responsible for safekeeping and destruction of original items which are scanned, transmitted electronically and deposited using Remote Deposit and indemnify and hold OMNI Community Credit Union harmless from any liability with respect to (i) the safekeeping, use or destruction of the original items after they are scanned, transmitted and deposited electronically, or (ii) for any Items being submitted for deposit or presented for payment more than once. There are no laws or regulations that state how long original items should be retained prior to destruction; therefore, retention timeframes are set at the Member's discretion. You are responsible if an Original Check is misused following submission by Remote Deposit.

You make the following representations and warranties:

1. You shall not alter any Original Check or Check Image and shall review the Check Image to ensure that it accurately represents all of the information on the front and the back of the Original Check at the time you scanned the Check Image.

2. You shall submit to OMNI Community Credit Union only Check Images that are suitable for processing, including, but not limited to, Check Images that are legible and contain machine-readable MICR data.

3. You shall be responsible for safekeeping or destruction of the Original Checks as stated above.

4. You shall not submit to OMNI Community Credit Union or to any other person or entity for deposit or credit any Original Check if a Check Image of the Original Check has already been submitted and accepted for deposit into your Account with OMNI Community Credit Union or which you previously submitted to and was accepted by any other person or entity for deposit.

5. You shall not deposit into your Account with OMNI Community Credit Union or any other deposit taking institution, or otherwise negotiate or transfer to anyone, any Original Check that you submitted as a Check Image deposit to OMNI Community Credit Union, unless following receipt of your submission, OMNI Community Credit Union notifies you that the Check Image is ineligible and not accepted for deposit or that the Check Image or any Substitute Check created from the Image is refused by the financial institution upon which it is drawn.

6. You shall indemnify, defend, and hold OMNI Community Credit Union and its agents from and against all liability, damage and loss arising from any claims, suits, or demands, brought by third parties with respect to any Check Image, Substitute Check, or Original Check processed through Remote Deposit as described above.

7. You shall use Remote Deposit only for your own personal, home office, or small business use in accordance with the terms of this Agreement. You shall not make Remote Deposit available or transfer your rights to use Remote Deposit for the benefit of any third party.

OMNI Community Credit Union will acknowledge receipt of your Check Image deposit submitted through Remote Deposit and notify you if a Check Image is not eligible for deposit. OMNI Community Credit Union 's ability to provide Remote Deposit is conditioned upon the availability of the wireless or computer services and systems used in transmitting your requests and OMNI Community Credit Union 's response. OMNI Community Credit Union shall not be liable or responsible for any loss or damage incurred due to the failure or interruption of Remote Deposit, wireless or computer services, or systems, resulting from the act or omission of any third party or other causes not reasonably within OMNI Community Credit Union's control. All fees and charges stated in the Truth in Savings Rate and Fee Schedule will remain in effect when you access your Account using Remote Deposit.

Disclaimer of Warranties. You agree your use of Remote Deposit 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. OMNI Community Credit Union disclaims all warranties of any kind as to the use of the services, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and noninfringement. OMNI Community Credit Union makes no warranty that Remote Deposit (i) will meet your requirements, (ii) will be uninterrupted, timely, secure, or error free, (iii) that the results obtained from Remote Deposit will be accurate or reliable, and (iv) that any errors in the services or technology will be corrected. In no event will OMNI Community Credit Union be liable to you for any consequential, incidental, or indirect damage arising out of the use, misuse or inability to use Remote Deposit or for any loss of data, even if OMNI Community Credit Union has been advised of the possibility of such damage.

You agree that OMNI Community Credit Union may provide you with all disclosures, notices, and other communications about Remote Deposit, and any future amendments, changes, or additions to this Agreement in electronic form. At your request, OMNI Community Credit Union agrees to provide you with a paper copy of this Agreement by calling 866-OMNI-WOW. Your consent to receive notices and updates in electronic form only will apply for as long as you use Remote Deposit. You may withdraw your consent to receive electronic communications at any time by calling 866-OMNI-WOW. This Agreement may be downloaded at omnicommunitycu.org.

OMNI Community Credit Union may amend or change the terms and conditions stated in this Agreement (including changes in the fees and charges hereunder) by giving notice to you as required by law or regulation. Prior notice need not be given where an immediate change in terms or conditions is necessary to maintain or restore the security of Remote Deposit or the safety of OMNI Community Credit Union 's relationship with you or is otherwise required immediately by law or applicable regulation.

The following provisions are applicable to sole proprietorships, partnerships, limited liability companies, corporations, and other forms of business organization that are not consumer accounts and are not maintained primarily for personal, family, or household purposes:

1. OMNI Community Credit Union is not responsible for any loss, injury or damage, whether direct, indirect, special, consequential, exemplary, economic or otherwise, caused by Remote Deposit or the use of Remote Deposit except as otherwise expressly provided for in this Agreement or by applicable law. You are responsible for any unauthorized use of Remote Deposit and any loss or damages incurred due to the unauthorized access to your Accounts.

2. If any person with authorized access through Remote Deposit is no longer authorized, it is your responsibility to notify OMNI Community Credit Union. OMNI Community Credit Union shall not be liable or responsible to you for any transactions conducted by any person whose authority to conduct transactions is no longer in effect until OMNI Community Credit Union is expressly notified.

NCUA INSURANCE COVERAGE

The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

For more information about NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

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NCUA
P.O. Box 1537, Battle Creek, MI 49016     (269) 441-1400     (866) OMNI-WOW     Routing#: 2724-7665-3
Your savings are federally insured to at least $250,000 and backed by the full faith and credit
of the United States Government. National Credit Union Administration, a United States Government Agency. OMNI NMLS# 406077
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