Disclosures

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These rules govern the relationship between NorthCountry Federal Credit Union and each person authorized to use NorthCountry Online, an Internet-based banking service. NorthCountry Online services are also governed by any other separate agreement(s) you may have with NorthCountry Federal Credit Union including, but not limited to, the Credit Union's Membership and Account Agreement, Electronic Funds Transfer Agreement, any loan agreements and any amendments or changes made to this Agreement.

Except as stated in this agreement or any later agreement concerning NorthCountry Online, your membership agreement and other disclosures and agreements for accounts previously given to you will govern all transactions made with the NorthCountry Online service. All funds transferred from a loan account will be subject to the applicable loan agreement for accessing proceeds and secured by any security agreement for accessing your loan proceeds.

By using NorthCountry Online, you agree to be bound by the terms and conditions contained in this Agreement.

Definitions

• "We", "us", or "our" means the Credit Union and all of its affiliates and subsidiaries.
• "You", and "your" means each person who has signed the NorthCountry Online application or who uses NorthCountry Online with your consent.
• "Business Day" is defined as Monday through Friday from 8:30 am to 5:00 pm, except on federal holidays.
• All references to time of day in this agreement refer to Eastern Standard Time.

Eligibility for NorthCountry Online

NorthCountry Online is available to members with accounts in good standing and a Call-24 personal identification number (PIN) with NorthCountry Federal Credit Union. NorthCountry Online's bill paying and e-statement services are available by completing and submitting an on-line application.

Equipment and Technical Requirements

To use NorthCountry Online, Internet access and Internet browser software are required. The Credit Union makes no warranties on equipment, hardware, software or Internet provider service or any part of them, expressed or implied, including without limitation any warranties of merchantability or fitness for a particular purpose. The Credit Union is not responsible for any loss, injury or damages (whether direct, indirect, special or consequential) caused by the Internet provider, any related software, NorthCountry Online or the use thereof. The Credit Union is also not responsible for any loss, injury or damages arising from the installation, use or maintenance of your personal computer hardware, software or other equipment.

Services

With the NorthCountry Online service, you can:

• Withdraw funds from your savings, checking, money market or line of credit accounts by check, made payable to you and mailed to you at the address on record at the credit union
• Check account balances
• Transfer funds between your checking, savings, money market or line of credit accounts
• Make credit union loan payments (with the exception of a Visa payment, at this time)
• Check your account history
• Download account history to your hard drive or to financial software such as Microsoft Money or Quicken
• Determine which checks have cleared
• Verify your account balance
• View account information for checking, savings, money market, certificate of deposit and loan accounts
• Pay most bills electronically through NorthCountry Online's bill payer feature
• Retrieve monthly statements (e-statements)

From time to time, the Credit Union may enhance the existing NorthCountry Online with new services. We shall notify you of these enhancements and by using them, you agree to be bound by the obligations and conditions concerning these services. You also agree to be bound by all the terms and conditions of any separate instructions that may be provided in conjunction with this system and any and all applicable state and federal laws and regulations.

Such services are subject to change at any time without prior notice to you.

Transfer between Credit Union accounts

You authorize the Credit Union to transfer funds electronically between your designated account(s) according to your instructions initiated through NorthCountry Online. All transfer transactions are immediately deducted from your account. Each account must be in your name.

Money Market Restrictions

No more than six (6) preauthorized, automatic, or telephone transfers may be made from a Money Market account to another account of yours or to a third party in any month, and no more than three of these six transfers may be made by check, draft, or debit card to a third party. NorthCountry Online transfers count toward the six (6) total permitted transfers or withdrawals. If you exceed the limit, we may restrict the money market account, assess fees, or close the account.

Member Service

You may contact a NorthCountry Federal Credit Union Member Service Representative (MSR) by calling 1-800-660-3258 during the business day. MSRs may provide assistance within the guidelines set forth by NorthCountry Federal Credit Union and as required by law. MSRs are not authorized to negotiate any of the terms of this agreement.

Electronic Mail

Electronic mail outside of NorthCountry Online should be addressed to memberservices@northcountry.org . Please note, however, that messages sent via your personal e-mail may be intercepted by third parties and are not protected by NorthCountry Federal Credit Union. Personal e-mail should not be used to communicate sensitive account information.

NorthCountry Federal Credit Union is responsible for making reasonable efforts to fulfill only those account requests actually received via NorthCountry Online. We may not be held accountable for any loss resulting from the delay or failure to transmit a message due to user error, malfunction or equipment, natural impediments and/or inaccurate or incomplete information.

Getting Started

To access your account with NorthCountry Online, you will need: (1) your account number; (2) your Credit Union Call-24 PIN (if you do not have a pin contact the Credit Union); and (3) your social security number. Upon accessing the service, you will be immediately prompted to change you password to one of your choice. If you wish a joint owner of your account to have access to the account, he or she must use the same PIN and password as you. You agree not to give your PIN or password to any person not authorized to have access to your account.

Third Party Disclosures

The Credit Union will disclose information to third parties about your account or the transfers you make:

• Where it is necessary for completing transfers
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
• In order to comply with government agency or court orders
• If you give us written permission

Security

Notify us immediately if you believe your PIN and/or password has been lost, stolen, used without your consent or compromised in any way. We may suspend your access until a new password has been established.

Telephoning is the best way of containing any losses. Failure to notify the Credit Union could result in a loss of money in your account as well as any funds available in your overdraft line of credit. If you notify the Credit Union of the loss or theft of your PIN and/or password within two business days after you learn of it, you loss will be limited to $50. If you fail to tell the Credit Union within two business days and the Credit Union can prove it could have prevented the loss, you could lose as much as $500. You have 60 days after your statement is mailed to you to tell the Credit Union of any transactions you did not make. If you fail to notify the Credit Union within 60 days, you may not get your money back. You understand the Credit Union may extend this period if you can provide a good reason for not notifying it sooner.

Statements

You will receive a statement for each month in which activity occurred. A quarterly statement will be issued regardless of activity. All transactions generated through NorthCountry Online will appear on your monthly or quarterly statement. No other receipts will be sent.

You also have the option of having your statement delivered electronically to your email address (e-statements). To access e-statements, you will need an active e-mail account and Adobe Acrobat Reader 4.0 or higher. (E-statements are in PDF format.) You can download your statement for free. If you choose to also receive a printed/mailed version of your monthly statement, a $5.00 charge per statement will apply. To register for e-statements, sign in to NorthCountry Online and click on the "Statements" button at the top of the screen.

Liability

If the Credit Union does not complete a transaction for which you receive a confirmation number or it is not completed for the correct amount, it will be liable for your reasonable losses or damages except when:

• If, through no fault of the Credit Union, you do not have sufficient funds in your account
• If the transfer would exceed the credit limit on your line of credit
• If circumstances beyond the Credit Union's control (such as fire or flood) prevent the transfer despite reasonable precautions that it has taken

Unauthorized Transfers

We must hear from you within sixty (60) days of sending you the FIRST statement on which the problem appeared. You must include: (1) your name and account number; (2) the error or the transaction you are unsure about; (3) why you believe an error exists; (4) approximately when the suspected error took place, and (5) the dollar amount of the suspected error.

If you notify us orally, we may require you send us your complaint or questions in writing within ten (10) days for the amount you believe to be in error. Doing so permits you the use of the money while we complete our investigation.

If we ask you to state your complaint or question in writing and we do not receive it within ten (10) days, we may not provisionally credit your account. If we decide that no error occurred, 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 were used in the investigation.

The Credit Union will tell you the results of its investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to 45 days to investigate, but you will have the use of funds in question after the ten (10) days. If we determine no error occurred, we will send you a written explanation within three (3) business days after it investigation is complete. You may ask for copies of the documents used in the investigation.

Termination of Service

Termination by the Credit Union

At any time and at our discretion, without notice or liability, we may suspend or terminate your access to NorthCountry Online in whole or part without prior notice if we believe you have:

• Compromised the confidential integrity of the service
• Caused the credit union a loss
• Abused the service (including, but not limited to, remaining connected to the system for inordinate periods of time)

Termination by the Member

You may terminate this agreement at any time by notifying the Credit Union in writing or via e-mail to the NorthCountry Online Administrator. You must allow five business days for processing your cancellation notice. You will be responsible for all payments and/or transfers you have requested prior to termination and for all other charges, fees and taxes incurred. You must cancel all outstanding payment and/or transfer orders within the five-day notification period. We will not be liable for payments and/or transfers not cancelled or made due to your actions related to service termination.

Fees

Online fees are described in your Electronic Funds Transfer Agreement and Disclosure (Reg E). Currently no fees are assessed for NorthCountry Online's standard service. You will be charged a monthly fee of $5.00 per month for a printed/mailed statement while you are registered for e-statements. There is no monthly fee and no per-payment fee for online Bill Pay. These fees are subject to change and NorthCountry will notify you as required by law of changes.

Credit Union Liability

We assume no liability due to your inability to access the NorthCountry Online service for any reason including, but not limited to, communication problems or interruption and equipment failure.

We accept no responsibility for omissions from any equipment failure or damage, computer viruses, or software damage that may occur as a result of your use of the NorthCountry Online service.