Security
Encryption
All E-Bear Online Internet transactions and account data are protected by powerful 128-bit encryption technology, the highest level of encryption in use with online banking today. Additionally, your access code (or PIN) ensures only you have access to your accounts.

Access Code
Just Starting
If you don’t already have an access code for using TeleBear (our 24-hour phone service) or E-Bear Online (our Internet access service) please call a Phone Center representative at (800) 954-BEAR (2327). We will assist you in establishing your access code through Telebear and answer any questions you may have. If you change your access code, the change is effective for both the TeleBear and E-Bear Online systems.

Limited Log-In Attempts
We allow you to enter your password incorrectly three (3) times. After the third incorrect entry, your on-line account will be locked until you call our Phone Center at (800) 954-BEAR (2327). We monitor and record back log-in attempts to detect any suspicious activity (i.e. someone trying to guess your access code).

Access Notification
Everytime you log-in to E-Bear Online, a message box displays the last sucessful and unsuccessful attempt to log-in to your account. It is important for you to review this message and notify us immediately if you did not attempt to access your account on the date and time displayed. Please call a financial services representative at (800) 954-BEAR (2327) to report any suspected fraudulent attempt to access your account.

Keep Your Access Code Confidential
You play a crucial role in preventing others from logging on to your account. Never use codes that are easy to guess. Examples of bad access codes are: birthdates, first names, pet names, addresses, phone numbers, social security numbers, etc. Never reveal your access code to another person. You should periodically change your access code in the "Other Options" screen in E-Bear Online.

Secure Firewall
California Bear Credit Union uses a state-of-the-art firewall system to protect our internal networks from outside intrusion. The firewall refuses connections that are not authorized and only allows certain protocols into the internal computer system.

Browsers
It is recommended that you use either Netscape Communicator or Microsoft Internet Explorer. The browser level is important. You must have version 3.0 or higher of Netscape or Microsoft Internet Explorer. Your browser must be SSL 3.0 (Secure Socket Layer 3.0) comty feature to work. The default configuration for all browsers is to accept cookies.

Cookies
Cookies are simply text file data written to your hard drive by the browser, which tracks information about a home banking session. Cookies are not destructive or malicious in nature because all the data within the cookies is encrypted twice. They simply store information useful to our server that makes your experience much easier.

When you complete your home banking session, by using the END SESSION link, the cookies will automatically be removed from your hard drive. If your E-Bear Online session is ended any other way, the cookies are left on your hard drive, but will expire so that the information can not be used in a malicious manner. The next time you log into the site, the cookies from the previous session are immediately deleted, and replaced by new cookies from the current session

AOL
Any version of AOL (America Online) less than version 3.0 will not support the Java programming language. E-Bear Online makes use of Java and therefore is not compatible with any version of AOL lower than version 3.0.

FAQ's - E-Bear Online
1. How do I sign up for this service?
It's easy. If you already have access to our TeleBear 24- hour telephone service, you’re already set up for E-BEAR ONLINE internet account access. One access code works for both systems.

2. What if I don't use Telebear or forgot my access code ?
If you aren’t signed up for TeleBear, call the credit union at (800) 954-BEAR (2327) and our Financial Services Representatives will assist you in establishing your access code and answer any questions you may have about the service.

3. Is the information I'm receiving over the Internet secure?
Yes. We are using the best encryption available today and if you are using a version of Netscape Communicator or Microsoft Internet Explorer 3.0 or higher, you are taking full advantage of the security. AOL users need to be on version 3.0 or higher to have E-Bear Online access.

4. Why do I have to have "cookies" enabled through my browser?
E-Bear Online uses cookies to help us keep track of who you are, where you are in the web pages, and length of time your connection has been idle. This is done to provide security in that we will transmit information only to the session that requested it and automatically close sessions that have been idle for a period of time. If you have this feature disabled or have an alert message to prompt you that we are requesting a cookie it can be very annoying or cause it not to work at all. It's very important that you at least have cookies enabled to send back to the originating server only.

5. How do I use the Quicken/Money download feature?
When you click on the option in the history area, it automatically produces a file which downloads to your computer. You will be prompted where the file is being saved to and what the filename is. Please make a note of where you save the file on your computer as you will need to tell either Quicken or Money where the file resides for importing purposes.
Microsoft Explorer users may need to configure their browsers to download the Quicken format file (.qif) to their hard drives.

Disclosure
CALIFORNIA BEAR CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT APPLICABLE TO “E-BEAR ONLINE” PERSONAL COMPUTER ELECTRONIC BANKING
Effective: July 1, 2001

In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean each and all of those who use “E-Bear Online” Personal Computer Electronic Banking, the electronic services described in this Disclosure and Agreement. The words "you," "your," and "yours" mean CALIFORNIA BEAR CREDIT UNION. My use of electronic funds transaction hereunder constitutes an agreement between you and me as described below.

This Disclosure and Agreement is given by you in compliance with the Electronic Funds Transfer Act (15 U.S.C. Section 1693, et seq.) and Regulation E (12 CFR 205, et seq.) to inform me of certain terms and conditions of this electronic funds transfer service. I have previously received your complete Electronic Funds Disclosure and Agreement describing all the electronic services offered by you, the terms and conditions of which remain in effect.

Bf the PIN as subsequently described herein. For my records, you recommend that I print and retain a copy of this Disclosure and Agreement.

I understand that the agreements, terms, conditions, rules and regulations applicable to my Checking Account, Share Account, Personal Line of Credit and any other applicable accounts, remain in full force and effect and continue to be applicable, except as specifically modified by this Disclosure and Agreement.

GENERAL DISCLOSURES
Business Days. Your business days are Monday through Friday, except holidays. Your business hours are 9:00 a.m. to 4:00p.m. Monday - Friday. “E-Bear Online” is generally available 24 hours a day, 7 days a week.

Account Information to Third Parties. You will disclose information to third parties about my account or transfers I make:

(1) When it is necessary to complete an electronic transaction; or

(2) In order to verify the existence and condition of my account for a third party, such as a credit bureau or merchant; or

(3) In order to comply with a government agency or Court order, or any legal process; or

(4) If I give you written permission.

In Case of Errors or Questions About My Electronic Services Transactions.

Telephone you at: (800) 954-BEAR (2327)

or write you at: CALIFORNIA BEAR CREDIT UNION
P.O. Box 54124
Los Angeles, CA 90054-0124

as soon as I can, if I think my statement or receipt is wrong or if I need more information about a transaction listed on the statement or receipt. You must hear from me no later than sixty (60) days after you send me the FIRST statement on which the problem or error appeared. I must:

(1) Tell you my name and account number;

(2) Describe the error or the transaction I am unsure about and explain as clearly as I can why I believe it is an error or why I need more information; and

(3) Tell you the dollar amount of the suspected error.

If I tell you orally, you will require that I send you my complaint or question in writing within ten (10) business days.

You will determine whether an error occurred within ten (10) business days after you hear from me and will correct any error promptly. If you need more time, however, you may take up to forty five (45) days to investigate my complaint or question. If you decide to do this, you will credit my account within ten (10) business days for the amount I think is in error, so that I will have the use of the money during the time it takes you to complete your investigation. However, if the notice of error involves a transfer to or from an account within thirty days after the first deposit to the account was made, you may have up to twenty (20) days to determine if an error occurred and you will credit such an account within twenty (20) days if more time is needed to complete your investigation.

If you ask me to put my complaint or question in writing and you do not receive it within ten (10) business days, you may not credit my account.

For an electronic fund transfer initiated outside of the United States or occurring within thirty (30) days after the first deposit was made to the account, you may take up to ninety (90) rather than forty five (45) calendar days to complete your investigation.

You will tell me the results within three (3) business days after completing your investigation. If you decide that there was no error, you will send me a written explanation. I may ask for copies of the documents that you used in your investigation.

Your Liability for Failure to Make or Complete Electronic Funds Transactions.

If you do not properly complete an electronic funds transaction to my account on time or in the correct amount according to your agreement with me, you may be liable for my losses and damages. However, there are some exceptions. You will not be liable, for instance, if:

(1) Circumstances beyond your control (such as fire, flood, earthquake, electronic failure or malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions;

(2) Through no fault of yours, I do not have enough money in my account (or sufficient collected funds) to make a transaction;

(3) The funds in my account are subject to an uncollected funds hold, legal process or other circumstances restricting such transaction or payment;

(4) You have received incorrect or incomplete information from me;

(5) “E-Bear Online” Personal Computer Electronic Banking was not working properly and I knew about this breakdown when I started the transaction;

(6) The “E-Bear Online”/TeleBear PIN has been repeatedly entered incorrectly;

(7) The transaction would exceed my Line of Credit limit;

(8) Your failure to complete the transaction is done to protect the security of my account and/or the electronic terminal system;

(9) There may be other exceptions.

Charges for Electronic Funds Transaction Services. All charges associated with my electronic funds transactions are disclosed in your Schedule of Fees and Charges which follows this Disclosure and Agreement. Any fees charged will be deducted from my Checking or Share Account.

Change in Terms. You may change the terms and charges for the services indicated in this Electronic Services Disclosure and may amend this Disclosure and Agreement from time to time. If I have an account with you through which electronic transactions are being processed, I will receive written notice at least twenty-one (21) days prior to the effective date of the change(s), or as otherwise provided by law.

Disclosure of Delayed Funds Availability. You may place a hold for uncollected funds on an item I deposit. This could delay my ability to withdraw or transfer such funds by “E-Bear Online.” For further details, see your "Disclosure of Funds Availability Policy" or contact a Credit Union officer.

Right to Receive Documentation of Transactions
Periodic Statement. I will receive a monthly statement (unless there are no transfers in a particular month), for the account(s) which I have accessed using the “E-Bear Online” or any other electronic service
which will show the calendar date that I initiated the electronic transfer, the type of transfer and the type of account(s) accessed by the transfer, and the amount of transfers occurring in that statement period. I will get a statement at least quarterly.

My Liability for Unauthorized Transactions and Advisability of Prompt Reporting
I must tell you AT ONCE if I believe my “E-Bear Online”/TeleBear access code has been lost or stolen. Telephoning is the best way of keeping my possible losses down. A written notification to you should follow my telephone call. I could lose all the money in my account (plus my maximum overdraft Line of Credit). However, if I believe my access code has been lost or stolen, and I tell you within two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my access code without my permission.

If I do NOT tell you within two (2) business days after I learn of the loss or theft of my access code and you can prove you could have stopped someone from using my PIN without my permission if I had told you, I could lose as much as $500.00.

Also, if my statement shows transfers that I did not make, I must tell you at once. If I do NOT tell you within sixty (60) days after the statement was mailed to me, I may not get back any money I lost after the sixty (60) days if you can prove that you could have stopped someone from taking the money if I had told you in time.

If I can document a good reason (such as a long trip or hospital stay) kept me from elieve my access code has been lost or stolen or that someone will or may use it to transfer money from my account without my permission, I must telephone you at: (213) 830-4100, or write you at: CALIFORNIA BEAR CREDIT UNION, P.O. Box 54124, Los Angeles, CA 90054-0124.

Regulation "D" Restrictions on Electronic Funds Transfers
Preauthorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. No more than three of the six withdrawals or transfers may be made by check, share draft or other order.

However, I may make an unlimited number of withdrawals from or transfers among my own Share Accounts by mail, messenger or in person at the Credit Union or at an ATM. I may also make an unlimited number of withdrawals from my Savings Accounts through TeleBear, “E-Bear Online” or by telephone if I request that you send me a check. Transfers or withdrawals in excess of the above limitations will not be honored.

Termination of Electronic Funds Transaction Services. I may, by written request, terminate the electronic services provided for in this Disclosure and Agreement. You may terminate my right to make electronic funds transactions at any time upon written notice. If I ask you to terminate my account or the use of “E-Bear Online,” I will remain liable for subsequent authorized transactions performed on my account.

Relationship to Other Disclosures. The information in these Disclosures applies only to the “E-Bear Online.” Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the account involved.

Copy Received. I acknowledge receipt of a copy of this Disclosure and Agreement electronically.

ADDITIONAL DISCLOSURES APPLICABLE TO “E-BEAR ONLINE”
“E-Bear Online” Personal Computer Electronic Banking is your home banking service that allows access to my accounts through the use of a personal computer or remote computer terminal, communications software, a modem and a “E-Bear Online”/Fast Teller access code which you will initially provide.

Account Access. “E-Bear Online” is available for my Savings Account, Checking Accounts, Money Market Account and Personal Line of Credit Account and most other savings account(s) and loan account(s) using my access code.

Types of Available Transactions.

(1) Balance inquiries.

(2) Account history for up to the last ninety (90) days.

(3) Transfer of funds among and between my accounts.

(4) Transfers to other members' accounts with prior written authorization.

(5) Withdrawals from my savings account(s) (except from IRAs or from the principal of a certificate account) or checking account(s) or advances on my Personal Line of Credit made by Credit Union check made payable to the account owner whose name appears first on the Signature Card and mailed to that person’s address of record.

(6) Loan payments by transfers from my Savings Account, Checking Account or Money Market Account.

(7) Change of my access code.

(8) Re-order checks for my Checking Account.

(9) Place stop payments on my checks.

(10) On-line loan applications (when available).

You may offer additional services in the future and, if so, I will be notified of them.

NOTE: Address of record changes may not be made by use of “E-Bear Online.” All such changes may only be made in person or in writing by the account owner whose name appears first on the Signature Card.

Limitations on Frequency and Dollar Amount of Transactions.

(1) Withdrawals from my Savings Account(s) or Checking Account or loan advances on my Personal Line of Credit, whether by check or transfer to other accounts are not limited in terms of minimum or maximum dollar amounts per transaction except as listed below.

(2) All withdrawals and transfers from a Savings or Checking Account are limited to the extent of clear funds available in the account.

(3) All loan advances are limited to the amount available from the Personal Line of Credit.

(4) There is no charge for the use of “E-Bear Online.”

(5) Some transactions on my accounts may be subject to Credit Union fees and charges. For more information, I will refer to the Schedule of Fees and Charges, my Account Agreement and Truth-in-Savings Disclosure and Schedule of Fees and Charges and, where applicable, my Personal Line of Credit Account Agreement and Truth-in-Lending Disclosure Statement.

“E-Bear Online” Access Code
I understand that I cannot use “E-Bear Online” without a member identification number which you refer to as a Access code. My use of this access code serves as my Electronic Signature acknowledging my use of this service.

This is the same access code I have been provided by you (and may have subsequently changed) for use with TeleBear. I understand that any change in the access code will be effective for both TeleBear and “E-Bear Online.” I further understand that you recommend frequent changes to the access code to provide maximum security.

I am responsible for the safekeeing of my access code and for all transactions made by use of “E-Bear Online.” I will notify you immediately by phone and send written confirmation if my access code is disclosed to anyone other than the joint owner of my account. If I disclose my access code to anyone, however, I understand and agree that I have given them access to my account via “E-Bear Online” and TeleBear and I am responsible for any such transaction.

I understand and agree that I must change the access code immediately to prevent transactions on my Account if anyone not authorized by me has access to my Access code. I further understand and agree that my access code is not transferable and I will not disclose it or permit any unauthorized use thereof.

Verification
All transactions affected by use of “E-Bear Online” which would otherwise require my signature, or other authorized signature, shall be valid and effective as if signed by me when accomplished by use of the access code or as otherwise authorized under this Agreement. Deposits at an ATM are subject to verification by you and may only be credited or withdrawn in accordance with your "Delayed Funds Availability Policy" and therefore may not be available for transfer through “E-Bear Online.” Transactions accomplished after the close of normal business each day shall be deemed to have occurred on your next business day.

Additional Liability Exceptions
By using “E-Bear Online” I agree that neither you nor any service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), or by Internet access or online service providers or by an agent or subcontractor of any of these. Neither you or the service providers shall be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, “E-Bear Online” services, Internet browser, or access software. Although you have taken measures to provide security for communications from you to me via “E-Bear Online,” you cannot and do not provide any warranty or guarantee of such security.