Please read these Terms and Conditions carefully. Any use of this website constitutes your agreement to all of them, including but not limited to our Online and General Privacy Statements.

Revised: March 2010

Terms & Conditions

ACH Transfer End User Agreement

This ACH Transfer End User Agreement ("Agreement") is a valid legal agreement between Boeing Employees' Credit Union(BECU) and You, the individual or entity using BECU External Transfers and\or POPmoney (Services) provided through CashEdge Funds Services (Service Provider). This Agreement governs Your use of BECU Services requested by You through this enrollment and acceptance process.

You must complete the acceptance process below before BECU will activate the Services. PLEASE READ THIS AGREEMENT CAREFULLY BEFORE COMPLETING THE ACCEPTANCE PROCESS. By selecting the "ACCEPT" button below, You agree to be bound by the terms and conditions of this Agreement ("Terms of Service"). If You do not agree to be bound by these Terms of Service, You should select the "DECLINE" button below. BECU reserves the right to reject this Agreement for any reason prior to or after acceptance. Activation of the Services will indicate BECU's acceptance of this Agreement.

BECU may amend or otherwise modify this Agreement at any time and from time to time without notice to you. You will be bound by the amended Agreement upon your continued use of the Services after the revised Agreement is posted at http://www.becu.org/CE_ACHServices.aspx. BECU may notify You of any modifications to this Agreement via the United States Postal Service.

1. Definitions

You, Yours, and Account-holder: Each person or entity, individually, and collectively, who completes a Membership and Credit Application form (or other account documentation) as a Primary Member or as a joint Account-holder, any authorized users of an account, and each person who has completed any previous version of a BECU account signature card or enrollment form and has agreed to terms and conditions under the Agreement for the purpose of transacting ACH transactions.

Account-holder: Also includes persons defined as a "depositor" under Washington's Financial Institutions Individual Account Deposit Act (which covers both share and deposit accounts).

We, Us, and Our: BECU and/or Service Provider.

Account: Any and all accounts You have with BECU and any and all accounts You access through an ACH transaction, including but not limited to the accounts described above, and any other accounts that incorporate provisions of the Membership and Account Agreements and any accounts held at other financial institutions with which you have transacted, or have initiated an ACH transaction.

ACH Transfer End User Agreement: The enrollment and authorization form for ACH privileges accepted and authorized by all Account-holders (or any future form substituted by us), as amended from time to time.

2. Terms

The following outlines Yours and Our rights and responsibilities when You use these Services offered or accepted by BECU. Please read carefully because it tells You Your rights and obligations for all ACH transactions completed or attempted involving Your Accounts:

(i) You authorize Us to use, copy, modify, display and distribute any information, data, materials or other content that We provide to Service Provider for the purpose of providing the Services;

(ii) You grant Us a license to access the websites and databases of Your bank or credit union and other institutions where You hold Accounts, as designated by You, to retrieve information and effect the fund transfers that You request;

(iii) You represent and warrant that You have the right to authorize and permit Us to access Your Accounts to effect funds transfers or for any other purpose authorized by the Agreement;

(iv) You represent that by disclosing and authorizing Us to use such information You are not violating any third party rights;

(v) You warrant and represent that the information provided to Us is true, current, correct and complete; When processing a funds transfer, we (and other financial institutions) will rely on the account number, email address, phone number, or other identifying number transmitted with the funds transfer even if the number identifies a person different from the named beneficiary. If you give us a payment order requesting a funds transfer which identifies any bank in the funds transfer by name and by routing number or other identifying number, a receiving bank in the funds transfer chain may rely on that number as the proper identifying number even if it identifies a bank different from the named bank.

(vi) You authorize and permit Us to use information submitted by You to perform the Service and to configure the Service to be compatible with Your Accounts;

(vii) You appoint Us as Your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for You and in Your name, place and stead, in any and all capacities, to access the Accounts, effect funds transfers as described above, with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with effecting funds transfers, including verifying the content and authenticity of any funds transfer instruction for the purposes of security procedures applicable to Accounts, as fully to all intents and purposes as You might or could in person;

(viii)You authorize Us to select any means to execute Your funds transfer instructions;

(ix) You understand and agree that in the event that We at any time incur a problem with Your use of the Services, including without limitation a failure to debit any of Your Accounts or to collect with respect to any of Your funds transfers, and without limiting any other right or remedy that We may have, We reserve the right to suspend Your use of the Services, immediately and without prior notice to You;

(x) You agree to indemnify, defend and hold Us , our affiliates, partners, officers, directors, employees, consultants and agents harmless from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from Your use of the Services, Our reliance on the information, instruction, license and/or authorization provided by You, Your violation of the terms or their infringement, or infringement by any other user of Your Account, of any intellectual property or other right of any person or entity;

(xi) In the event that a debit to any of Your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and We are unable to debit either the debited or the credited Account as set forth above, We reserve the right, and You shall authorize Us, to debit any of Your other Accounts (including accounts upon which you are listed as joint account holder) to the extent necessary to offset any resulting deficiency. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, You authorize Us to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if We cannot collect the amount credited. You authorize Us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. If We are unable to recover from You then the recovery process set forth above will apply.

(xii) You represent and warrant that you are at least 18 years of age, that you have read this Agreement and that You agree to be bound by the terms and conditions of the Agreement. You agree that We can and will rely on all representations, warranties, covenants and agreements that you make herein.

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