This document explains the terms and conditions for using our Internet Home Banking Service and
provides certain disclosures and information to you concerning the service.

HOW TO ACCESS YOUR ACCOUNTS
To access your accounts through our Online Banking service, you must have your account number and an
Online Banking Password. This information is requested when you enter our home banking pages. The
password that is used to gain access to your information should be kept confidential, just as you would
keep other PIN numbers and security codes confidential. For your protection we recommend that you
change your Online banking password regularly. It is recommended that you memorize this password
and do not write it down. You are responsible for keeping your password, account numbers and other
account data confidential. If you believe that your password may have been lost or stolen, or that
someone has transferred or may transfer money between your accounts without your permission, notify
PCCU at once at (869) 465-9554. You cannot use E-mail to initiate transactions, changed information or
inquire on your account(s). We will not respond to these types of requests via E-mail, since we cannot be
certain we are corresponding with you. Please use the appropriate functions within our Internet Home
Banking service, visit PCCU office or call us at (869) 465-9554.

STATEMENTS
All transactions generated by you through our Online banking service and any online banking fees will
appear on your monthly or quarterly statement.

PRIVACY
The PCCU shall take all reasonable steps to ensure the security of personal information transmitted and
transactions conducted through Online banking sources. These include SSL encryption, filters, digital
server authentication and firewalls.

Notwithstanding, there will always be a remote possibility that data security violations may occur. New
advances in security technology frequently occur and PCCU will diligently review and evaluate its online
security measures in this regard.

Complete confidentiality is not yet possible over the internet, hence, occasionally, the PCCU may
enhance its security features and provide the members with instructions pertaining to their access to
Online banking and the use of the enhanced security features.

The members will be encouraged to keep their information safe regarding all electronic transactions, by

applying the following:

1) Not to share their account information, passwords, or code words with others.
2) Never provide confidential information to unknown callers.
3) When conducting business over the Internet, always use a secure browser and exit online applications
as soon as finish using them.
4) Protect their account records.
5) Avoid writing down passwords.
6) Avoid the use of birthdays and anniversaries as passwords.
7) If you become a victim of fraud or identity theft, or has any reason to believe that they are, and
information compromised, they must contact PCCU immediately at the telephones’ numbers provided in
this document or on our website.

OPERATING SYSTEMS AND SECURITY
Our Online Banking site is designed to operate using World Wide Web technologies and protocols, which
are adaptable to a wide range of systems. Our Online banking uses SSL encryption and requires a
browser with a current (unexpired) COMODO ECC Domain Validation Certificate. Some older browsers
may not be able to use the site without first updating the browser. Our server uses 256 bit encryption.

We use cookies to help us administer the home banking homepage. Some browsers allow you to reject
cookies from servers. If you don’t allow us to set a cookie upon entering the site, you will not be able to
log in. The cookie we set contains information we need for security, and allows us to time out your
authority to view information. We place the cookie with instructions that it can only be sent to a server
in our Online-banking domain. A cookie cannot be used to extract data from your PC. We do not store
your Access Code, User Id or Password in your cookie.

The cookie we set will time out your access authority to our home banking homepage. Until it times out,
you can come back to our home banking without logging in. After the time out period, you will need to
log in again. Remember that most browsers will let you use a BACK button to view previously visited
documents, even if your viewing authority has expired. For this reason, the only way to keep others from
viewing your account balance is to logout of the browser when you are finished with your session. This is
especially important if you are using a public or shared computer.

LIABILITY FOR UNAUTHORIZED TRANSFERS
Tell us AT ONCE if you believe your password has been lost, stolen or used without your permission and
immediately change your password from within your Online banking homepage. Calling is the best way
to notify us immediately; call (869) 465-9554. If you believe your password has been lost or stolen or
that someone has transferred or may transfer money from your account without your permission, call
(869) 465-9554 or write to: Police Co-operative Credit Union (St. Christopher & Nevis) LTD, Cayon Street,
Basseterre, St. Kitts.

The member will be guided by the liability terms and conditions of this service and shall not hold PCCU
liable accordingly. The member will be responsible for all unauthorized transactions on his/her accounts,
whether, intentionally or inadvertently giving another person their password or otherwise.

PCCU may cancel or suspend a member’s access, if PCCU has reason(s) to believe that the password has
been compromised. This however, is no indication that PCCU is taking liability or steps to commence
investigation for fraudulent activities. In this regard, the member maybe contacted by telephone or
email.

Should there be any unauthorized transaction, PCCU will ONLY refund the member in cases where it is
proven that PCCU is at fault.

AVAILABLE SERVICES AND LIMITATIONS
TRANSFERS: You may transfer funds between your shares/savings and loan accounts as the account
agreements may allow. Transfers done through the service DO NOT immediately charge or credit your
account. TRANSFERS WILL BE EFFECTIVE IMMEDIATELY AFTER THE TRANSACTION HAS BEEN TAKEN
PLACE. You can transfer from one account number to a different account number, only if you have
completed the required forms and all account owners for both accounts have signed it.

ACCOUNT BALANCES: You may view balances of your shares/savings and loan accounts. In addition,
there may be electronic items such as debit card transactions, that have not yet been presented to the
credit union for payment.

TRANSACTION HISTORY: You may view the transaction history for any loan, savings, or share accounts.
You will be able to view up to the last 90 days of transaction history on any of our loan, draft or share
accounts. All of the transactions in your history are always up to date with the history on the Credit
Union’s server.

PASSWORD CHANGES: If you are a Online Banking user, you may change your password at any time from
within your Online banking homepage. For your protection we require that you change your home-
banking password every sixty (60) days.

ADDITIONAL SERVICES: From time to time, we will announce additional services, which are available
through our Online Banking. Your use of these services will constitute acceptance of the terms and
conditions presented at the time they are announced. We reserve the right to limit access or cancel on-
line access at any time.

BUSINESS DAYS
Our business days are Monday through Friday. Holidays are not included.

ERRORS AND QUESTIONS
In case of error or questions about your electronic transfers, call us at (869) 465-9554 or write us at
Police Co-operative Credit Union (St. Christopher & Nevis) LTD, Cayon Street, Basseterre, St. Kitts. as
soon as you can. You may also email us at [email protected] (strictly for errors or questions). You
will have sixty (60) days to notify us of the error. You will need to tell us:

Your Name and Account Number;

Why you believe there is an error and the dollar amount involved;

Approximately when the error took place.

If you tell us orally, we may require you to submit to us your complaint or question in writing within ten
(10) business days. We will tell you the results of our investigation within ten (10) business days and
correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate
the complaint. If we decide that there was no error, we will send you a written explanation within three
(3) business days after we finish our investigation. You may ask for copies of the documents that we used
in our investigation. If you need more information about our error resolution procedures, call us at the
telephone number shown above. All transactions are legally binding and any disagreements will be
handled according to the laws of St. Kitts and Nevis.

OUR LIABILITY
If we do not complete a transfer to or from your account on time or in the correct amount according to
our agreement/disclosure with If we do not complete a transfer to or from your account on time or in
the correct amount according to our agreement/disclosure with you, we will be liable for your losses or
damages. However, there are some exceptions. We will not be liable, for instance: If, through no fault of
ours, you do not have enough money in your account to make the transfer; or, if the Online banking
equipment or software was not working properly and you knew about the maintenance period when
you started the transfer; If circumstances beyond our control (such as fire or flood) prevent the transfer
despite reasonable precautions that we have taken.

We shall not be responsible for any other loss, damage, or injury whether caused by the equipment,
software, and/or Online banking service, nor shall we be responsible for any direct, indirect, special, or
consequential damages arising in any way out of the installation, use, or maintenance of your
equipment, software, and/or service, except where the law requires a different standard. We do not
make any warranties of fitness for a particular purpose or warranties of merchantability.