TERMS AND CONDITIONS

Before you can start using our online service, you must agree to the terms and conditions below. Please read them carefully before accepting. If you agree, click the "I Accept" button to continue. Otherwise, click "Decline" to exit registration. We recommend printing a copy for future reference. 1. DEFINITIONS: - ACCOUNT: Any account which you hold and access via our online service. - ADDITIONAL SECURITY DETAILS: Information you give us to help identify you. - IDENTITY DETAILS: The access code(s) we may provide you. - Aether Financial Credit Union Bank ACCOUNT NUMBER and PASSWORD : Credentials you use to log in. - YOU, YOUR, YOURSELF: Refer to the person accepting these terms. 2. ONLINE SERVICES OFFERED: - Fund transfers - Bill payments - Balance checks - Loan applications - Card control - Customer support 3. USING THE ONLINE SERVICE: a. These terms apply to your use and supplement your account agreement. b. Joint account holders must register individually. c. You agree to receive communication via email or our platform. d. You are responsible for the security of your devices. e. Always log out properly after use. 4. SECURITY RULES: a. Provide accurate identity details at registration. b. Login requires account number, and password. c. You may update your login credentials at any time. d. We may enforce credential updates for security reasons. e. Never share or store your login details insecurely. f. Report unauthorized access immediately to: customerservice@aefcub.com 5. PRIVACY: - Your data is protected and not shared without consent unless required by law. - View our full Privacy Policy on our website. 6. FEES AND CHARGES: - Most online banking services are free. - Some transactions (e.g., international transfers) may incur fees. - All applicable fees are shown before confirmation. 7. TERMINATION: - You can deactivate access at any time. - We may suspend access for fraud, breach, or threats. 8. LIABILITY: - You are responsible for all activity under your account. - We are not liable for losses due to user negligence or compromised devices. 9. DISPUTE RESOLUTION: - Report all issues to our support team first. - Unresolved issues may proceed to arbitration or court. - Class action rights are waived by agreeing to these terms. 10. GOVERNING LAW: - Governed by the laws of the United States of America. - International users must also follow local laws where applicable. 11. CHANGES TO TERMS: - We may update terms at any time. - Continued use means you accept the changes. 12. CONTACT US: - Email: customerservice@aefcub.com - Phone: +1 (941) 896-4870 Thank you for choosing Aether Financial Credit Union Bank.

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