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You represent and agree that all information you provide us in connection with Mobileor Online Banking is accurate, current, and complete, and that you have the right toprovide such information to us for the purpose of operating Mobile or Online BankingServices. You agree not to misrepresent your identity or your account information.You agree to keep your account information confidential, up to date, and accurate.If you have questions about mobile or text messages related to the Serviceslisted above, you may send a text message with the word “HELP” to theapplicable SMS Short Code or call us toll-free at 1-888-868-8123. Tostop receiving text messages for any of the above Services on your phone,text “STOP” to the applicable SMS Short Code. Wireless service providersand wireless carriers are not liable for delayed or undelivered messages.7. Contacting You Via Your Cell Phone Number or Email AddressYou must provide us a phone number and an email address to discuss youraccounts with us. If you provide a cell phone number, Navy Federal hasyour permission to contact you at that number about all your Navy Federalaccounts, including account servicing and collection purposes. We maycontact you for non-marketing purposes in any way, including automatedcalls, text messages, and/or prerecorded or artificial voice messages. Youagree to promptly notify us if your contact information changes. Messageand data rates may apply. Visit navyfederal.org for more information.It is your sole responsibility to ensure that your contact information with Navy Federal iscurrent and accurate. You may change your contact information by editing your profile via theNavy Federal mobile app or Online Banking. You may also call Navy Federal at 1-888-842-6328or write us at Navy Federal Credit Union (EFT), P.O. Box 3001, Merrifield, VA 22119-3001.If you provide an email address, Navy Federal has your permission to send you emailmessages using an automatic emailing system for commercial or transactional purposes.Navy Federal may at any time request the following from you in relationto your Mobile or Online Banking activities: electronic banking credentials,implementation of alternative risk control mechanisms, or may contact authoritieswhen suspicious account activity or Member security-related events occur.8. Types of Available Transfers Using Mobile and Online BankingTransfers using Navy Federal Mobile and Online Banking may be made in accordancewith the rules of the relevant accounts.You may make transfers between all owned savings accounts, checking accounts,and Money Market Savings Accounts (MMSAs).You may make transfers from your savings accounts, checking accounts, and MMSAsto your savings Individual Retirement Accounts (IRAs), MMSA IRAs, share certificates,or IRA share certificates.You may make transfers from a specific savings IRA and MMSA IRA to another IRAof the same type.You may transfer funds from your savings accounts, checking accounts, and MMSAsto make Navy Federal loan and credit card payments.SMSShortCodeDescriptionof ServiceFrequencyof MessagesYou may make cash advances from your Navy Federal Credit Card or Home EquityLine of Credit (HELOC) to your savings accounts, checking accounts, or MMSAs.Credit CardFraud Alerts33748Free to End Usernotifications to alert youabout possible risk of creditcard fraudMessagefrequency variesYou may transfer funds from your savings accounts, checking accounts, and MMSAsto another Member’s savings account, checking account, and MMSA or to make apayment on another Member’s consumer loan if you have established a Memberto-Member transfer capability for those accounts.AccountServicing andCollectionAlerts37531Notifications to contactyou for account servicingMessageand collection purposes,frequency variesincluding payment remindersYou may transfer funds from your checking account at Navy Federal to a checkingaccount at another financial institution via the Automated Clearing House (ACH) whenthe transfer is originated from Navy Federal.InformationalAlerts39227Receive informationalmessages about Navy FederalMessagefrequency variesYou may make transfers from your checking account at another financial institutionto make a payment on a Navy Federal loan when the transfer is originated fromNavy Federal.40554Notifications related toaccount transactions,including, but not limited to, Messagefrequency variesaccount balance alerts ordeposit confirmation alerts46328Notifications related to accountstatus updates, including, but Messagenot limited to, application and frequency variesappointment updatesSecurity Alerts73077Free to End Usernotifications to alert youabout possible risk of fraud, Messageidentity theft, and/or account frequency variessecurityOn-DemandAlerts73949Receive information youhave requested via a onetime text message on yourmobile phoneServicesAccountTransactionAlertsStatus AlertsOne-TimePasscode Alerts 668439One-timeper requestFree to End User text messageto receive your passcode via One-timea one-time text message on per requestyour mobile phone3You may make bill payments directly from your checking accounts or MMSAs in theamounts and on the days you requested, using our Bill Pay Service.You may withdraw 5 to 2,500 from your savings accounts to be mailed by checkto your savings account address of record on the next Business Day.We may add new transfer capabilities or features to our Mobile and Online Banking,which will be subject to the terms governing the relevant accounts.9. Transfer LimitationsThere is no limit on the number of transfers in or out of your account that you canmake per day.There are minimum and maximum total dollar transfer limits associated withtransferring funds to/from another financial institution via the ACH when thetransfer is originated from Navy Federal.Transfers from a Navy Federal checking account to a checking account at anotherfinancial institution may be requested for a minimum of 5.00 to a maximum of 5,000 per Business Day. However, the total aggregate amount of all checkingtransfers within any five-Business-Day period cannot exceed 15,000.Transfers to Navy Federal loans from a checking account at another financialinstitution may be requested for a minimum of 5.00 to a maximum of 10,000per Business Day. However, the total aggregate amount of all loan payments withinany five-Business-Day period cannot exceed 30,000.4

Transfers to Navy Federal mortgage loans from a checking account at anotherfinancial institution may be requested for a minimum of 5.00 to a maximum of 30,000 per Business Day. However, the total aggregate amount, which includesyour regular payment, additional escrow, principal, and late fees, of all mortgagepayments within any five-Business-Day period cannot exceed 30,000.Aggregate amounts apply to all accounts that you own individually or that you havejoint ownership of, and are based on the effective transfer date(s). If you attempt toschedule a transfer or payment that would exceed these limits, an online message willlet you know the effective transfer date(s) that have exceeded these limits.These transfer limits can also be found within Online Banking by clicking on the“Help” function, and then on “External Transfers” under the “Categories” column.For security reasons, Navy Federal may impose further limitations on the dollaramounts of transfers initiated at Navy Federal.10. Your Liability for Unauthorized Electronic Funds TransfersNotify us AT ONCE if you believe: your account may have been accessed without your authority; your card, code, or password has been lost or stolen; someone has transferred or may transfer money from your accountwithout your permission; or an electronic funds transfer has been made without your permissionusing information from your check or your MMSA check.The best way to minimize your possible loss is to telephone or contact us through oureMessage system at navyfederal.org, although you may advise us in person or inwriting. If you do not notify us, you could lose all the money in your account (plus yourmaximum line of credit amount).If you tell us within two (2) Business Days after you discover your password or othermeans to access your account has been lost or stolen, your liability is no more than 50.00 should someone access your account without your permission. If you donot tell us within two (2) Business Days after you discover such loss or theft, andwe can prove that we could have prevented the unauthorized use of your passwordor other means to access your account if you had told us, you could be liable foras much as 500.00.Also, if your statement shows transfers that you did not make or authorize,tell us AT ONCE. If you do not tell us within sixty (60) days after the statement wasdelivered to you of any unauthorized or fraudulent use of your account, you may notget back any of the money you lost after the sixty (60) days if we can prove that wecould have stopped someone from taking the money if you had told us in time. If agood reason (such as a long trip or a hospital stay) prevented you from telling us,we may in our sole discretion extend the time periods.Telephone Numbers and Address to notify us of unauthorized account accessor activity, lost or stolen credentials, or an unauthorized Bill Pay transaction: Call 24 hours a day toll-free: 1-888-868-8123 If in metro Washington, DC or outside the United States, call 703-255-8699 Write us at: Navy Federal Credit Union (EFT), P.O. Box 3001, Merrifield, VA22119-3001 Send us an electronic message through our eMessaging system atnavyfederal.org11. In Case of Errors or Questions About Your Electronic TransfersIf you think your statement or receipt is wrong, or if you need more information abouta transaction listed on your statement or receipt, contact us as soon as possible: Call us 24 hours a day at our toll-free number: 1-888-842-6328 If overseas, visit navyfederal.org or use 1-703-255-8837 for collectinternational calls Write us at: Navy Federal Credit Union (EFT), P.O. Box 3001, Merrifield, VA22119-30015We must hear from you no later than sixty (60) days after the FIRST statement onwhich the problem or error appeared. When you contact us: tell us your name and account number; describe the error or the transaction you are unsure about and clearly explainwhy you believe it is an error or why you need more information; and tell us the dollar amount and date of the suspected error.These are our procedures for resolving errors: If you tell us orally, we may require that you send your complaint in writingwithin ten (10) Business Days after your oral notification. We will determine whether an error occurred within ten (10) Business Days(twenty (20) Business Days for new accounts) after you notify us of the errorand will correct any error promptly. However, if we require more time toconfirm the nature of your complaint or question, we reserve the right to takeup to forty-five (45) days to complete our investigation. For errors involvingnew accounts, point-of-sale, or foreign-initiated transactions, we may takeup to ninety (90) days to investigate your complaint or question. If we decideto do this, we will provisionally credit your account within ten (10) BusinessDays (twenty (20) Business Days for new accounts) for the amount you thinkis in error, so that you will have the use of the money during the time it takesus to complete our investigation. A provisional credit is a temporary creditadjustment made to your account during the time it takes us to completeour investigation. If we ask you to submit your complaint or question in writing and we do notreceive it within ten (10) Business Days, we may remove the provisional creditfrom your account. If it is determined that there was no error, we will reverse any provisionalcredits within one (1) Business Day of finishing our investigation, and send youa written explanation within three (3) Business Days. If there are insufficientfunds in your account to cover the amount of the provisional credit, the accountwill be overdrawn, and you will be responsible for payment. You may ask forcopies of documents used in our investigation.12. Protecting Your Password and Ensuring the Security of Your DeviceBy applying for Mobile and Online Banking, you agree to accept responsibility forsafeguarding and protecting your Password, Reset Question and Answer, ChallengeQuestions and Answers, or any other credentials used to access Mobile or OnlineBanking. If you believe your password or other credentials have been lost or stolen, orthat someone may attempt to use your Mobile or Online Banking Service without yourconsent or has transferred money without your permission, notify us at once at theaddress or telephone numbers listed in paragraph 10, “Your Liability for UnauthorizedElectronic Funds Transfers,” above.You agree not to give or make available your password or credentials to anyunauthorized individuals, and you agree to be responsible for all actions taken byanyone to whom you have provided such credentials or allowed to use your Mobileor Online Banking Service, including any Bill Pay transactions.In order to help prevent unauthorized transactions on Mobile and Online Banking,you also agree to ensure the security of the personal computer (PC) you own and/oruse to access Online Banking, and of any mobile device you use to access MobileBanking. By securing the PC you own and/or use, we specifically mean installingantivirus software, a firewall, and spyware detection software on your PC, andkeeping this security software current, or verifying that the above security softwarehas been installed and is current.You also agree that Navy Federal may revoke Mobile or Online Banking if unauthorizedMobile or Online Banking occurs as a result of your negligence in safeguarding thePassword, Reset Question and Answer, and Challenge Questions and Answers, oras a result of your negligence in ensuring the security of the PC you own and/or useto access the Navy Federal Online Banking Service, as described above, or of themobile device used to access Mobile Banking.6

13. Periodic StatementsYou will receive a statement monthly unless your account(s) has/have not engagedin savings or checking account activity (no transactions) within 365 days. Whenthere is no activity within 365 days, Navy Federal may choose to provide astatement on an annual basis.14. Transaction FeesNavy Federal does not charge for transfers initiated or account information viewedvia Navy Federal Mobile or Online Banking, or for the Bill Pay Services, except forthe optional “Rush Delivery” fee for expedited Bill Pay. However, message anddata rates may apply. Visit navyfederal.org for more information. Please seethe Schedule of Fees and Charges at navyfederal.org for fees charged for othertransactions and optional services. Navy Federal reserves the right to charge forMobile or Online Banking, including Bill Pay. You will be given at least twenty-one(21) days advance notice before Navy Federal implements any new fees for Mobileor Online Banking or Bill Pay.15. Our Liability for Failure to Make TransfersNavy Federal will use reasonable efforts to complete all your transfers properly. IfNavy Federal does not complete a transfer to or from your account on time, inthe correct amount, or to the correct recipient in accordance with your paymentinstructions, according to our Agreement with you, we may be liable for your losses ordamages. Navy Federal’s liability is limited; we will not be liable for indirect, special,or consequential damages.There are some instances when we will NOT be liable, for example, if:a.) through no fault of ours, you do not have sufficient funds in your account(for Bill Pay, this is your Payment Account–see the Bill Pay section below inthis Agreement), available funds through your Optional Overdraft ProtectionService (OOPS), or available credit in your Checking Line of Credit (CLOC) tomake the transfer.b.) the funds in your account are subject to legal process, such as garnishmentor attachment;c.) the account is subject to a pledge or security agreement;d.) despite reasonable precautions that we have taken, circumstances beyondour control (such as fire, power failure, flood, or failure of paying agency todeliver direct deposit payment data) prevent the transfer; in such case for BillPay, the Bill Pay Service Guarantee shall be void;e.) for Bill Pay, the Service is not working properly and you know or have beenadvised by us about the malfunction before you execute the transaction or thePayment Instruction; in such case for Bill Pay, the Bill Pay Service Guaranteeshall be void;f.) for Bill Pay, you have not provided the Service with the correct PaymentAccount information, or the correct name, address, phone number, oraccount information for the Biller; in such case, the Bill Pay ServiceGuarantee shall be void;g.) Bill Pay Rush Delivery payments are submitted without complete or accurateinformation and are therefore rejected or do not post on time. You will becharged the associated fee for each Rush Delivery payment order you submit,regardless of whether it was properly submitted;For Bill Pay, provided none of the foregoing exceptions are applicable, if the Servicecauses an incorrect amount of funds to be removed from your Payment Account orcauses funds from your Payment Account to be directed to a Biller that does notcomply with your Payment Instruction, the Service shall be responsible for returningthe improperly transferred funds to your Payment Account, directing to the properBiller any previously misdirected transactions, and, if applicable, any late paymentrelated charges.16. Disclosure of Account Information to Third Partiesa.) Where it is necessary for completing transactions;b.) Where it is necessary for activating additional services;c.) In order to verify the existence or condition of your account to a third party,such as a credit bureau or Biller;d.) To a consumer reporting agency for research purposes only;e.) In order to comply with a governmental agency or court orders;f.) If you give us your written permission;g.) If we return checks on your account drawn on non-sufficient funds or if we areunable to complete an electronic transfer because of non-sufficient funds; orh.) In accordance with Navy Federal’s Privacy Policy, which you can find onnavyfederal.org.17. Governing Law and Forum for DisputesThis Agreement shall be governed by and construed in accordance with the lawsof the Commonwealth of Virginia, without regard to its conflicts of laws provisions,provided, however, that any dispute solely between you and the Service Provider shallbe governed by and construed in accordance with the laws of the State of Georgia,without regard to its conflicts of laws provisions. To the extent that the terms of thisAgreement conflict with applicable state or federal law, such state or federal law shallreplace such conflicting terms only to the extent required by law. Unless expresslystated otherwise, all other terms of this Agreement shall remain in full force and effect.Unless our Important Disclosures Booklet states otherwise, you agree that any claim ordispute you may have against us must be resolved by a court located in the county inwhich you reside. You agree to submit to the personal jurisdiction of such courts for thepurpose of litigating all claims or disputes. The United Nations Convention on Contractsfor the International Sale of Goods shall not apply to this Agreement.THE FOREGOING SHALL CONSTITUTE THE SERVICE’S ENTIRE LIABILITY ANDYOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLEFOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OREXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THEPOSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE,OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR SERVICE.18. Unauthorized UseAccess to and use of the Navy Federal Mobile and Online Banking Service(s) is subjectto all applicable federal, state, and local laws and regulations. Unauthorized use of theNavy Federal Mobile and Online Banking Service(s) or information accessed via theNavy Federal Mobile and Online Banking Service(s) is strictly prohibited.19. Links and FramesLinks to other sites may be provided on the portion of the Site through whichthe Service is offered for your convenience. By providing these links, we are notendorsing, sponsoring, or recommending such sites or the materials disseminated byor services provided by them, and are not responsible for the materials, services, orother situations at or related to or from any other site, and make no representationsconcerning the content of sites listed in any of the Service web pages. Consequently,we cannot be held responsible for the accuracy, relevancy, copyright compliance,legality, or decency of material contained in sites listed in any search results orotherwise linked to the Site. For example, if you “click” on a banner advertisementor a search result, your “click” may take you off the Site. This may include linksfrom advertisers, sponsors, and content partners that may use our logo(s) as part ofa co-branding agreement. These other sites may send their own cookies to users,collect data, solicit personal information, or contain information that you may findinappropriate or offensive. In addition, advertisers on the Site may send cookies tousers that we do not control. You may link to the home page of our Site. However, youmay not link to other pages of our Site without our express written permission. Youalso may not “frame” material on our Site without our express written permission. Wereserve the right to disable links from any third-party sites to the Site.It is our general policy to treat your account information as confidential. However, wewill disclose information to third parties about your account or the transactions youmake ONLY in the following situations:78

20. Complete Agreement, Severability, Headings, Survival,and InconsistenciesIn the event of a dispute regarding this Agreement and the Services offered throughMobile and Online Banking, you agree to resolve the dispute by looking to thisAgreement. You agree that this Agreement is the complete and exclusive statementof the agreement between us, sets forth the entire understanding between us andyou with respect to the Services and the portion of Navy Federal’s website, the Site,or mobile app through which the Services are offered, and supersedes any proposalor prior agreement, oral or written, and any other communications between us. Ifthere is a conflict between the terms of this Agreement and something stated byan employee, contractor, or Service Provider of ours, the terms of the Agreementwill prevail. The headings of paragraphs hereof are for convenience only and shallnot control or affect the meaning or construction of any of the provisions of thisAgreement. If any provision of this Agreement is held to be invalid or unenforceable,such provision shall be struck and the remaining provisions shall be enforced.Any terms that by their nature should survive, will survive the termination of thisAgreement. In the event of any inconsistency between prior Agreements applicableto the Navy Federal Mobile and Online Banking Service and this Agreement, thisAgreement shall apply and control. Undefined terms herein shall have the meaningassigned to them in the Important Disclosures Booklet. This Agreement supplementsthe Important Disclosures Booklet. In the event of an inconsistency between theImportant Disclosures Booklet and this Agreement, this Agreement shall govern.21. No WaiverWe sha

Navy Federal mobile app or Online Banking. You may also call Navy Federal at 1-888-842-6328 or write us at Navy Federal Credit Union (EFT), P.O. Box 3001, Merrifield, VA 22119-3001. 8. Types of Available Transfers Using Mobile and Online Banking Transfers using Navy Federal Mobile and