Disclosures

• Business Membership and Account Agreement
• Vermont Membership and Account Agreement
• New Hampshire Membership and Account Agreement
• New York Membership and Account Agreement

• Vermont & New Hampshire Electronic Funds Transfer (EFT) Agreement
• New York Electronic Funds Transfer (EFT) Agreement

• Funds Availability
• Privacy Policy
• Truth-in-Savings Share Certificate
• Truth-in-Savings

• Overdraft Privilege (ODP) Disclosure
• Overdraft Privilege Opt-in

• "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 Banking application or who uses NorthCountry Online Banking 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.

NorthCountry Online Banking is available to members with accounts in good standing and a username and password.

To use NorthCountry Online Banking, 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 Banking 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.

With NorthCountry Online Banking, you can:

• Register for mobile banking
• Open and fund new accounts at the credit union
• Transfer funds between your accounts
• Make your loan and credit card payments
• Check your account history
• View checks
• View account information for checking, savings, money market, certificate of deposit, and loan accounts
• Pay most bills electronically through BillPay
• Retrieve monthly statements (e-Statements)
• Retrieve notices
• Reorder checks
• File your federal and state taxes
• Send payments to anyone with a mobile phone number or email address

From time to time, the credit union may enhance NorthCountry Online Banking with new services. By using these enhancements, 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.

You authorize the credit union to transfer funds electronically according to your instructions initiated through NorthCountry Online Banking. All transfer transactions are immediately deducted from your account.

You may contact a NorthCountry Federal Credit Union Member Advocate by calling 1-800-660-3258 or by using our online chat feature during the business day. Member Advocates may provide assistance within the guidelines set forth by NorthCountry Federal Credit Union and as required by law. Member Advocates are not authorized to negotiate any of the terms of this agreement.

Electronic mail outside of NorthCountry Online Banking should be addressed to [email protected]. 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. If you need to send information that needs to be kept secure, please contact us and we will walk you through the process of sending us a secure, encrypted email. You can also log into your account and open a secure web chat with us.

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

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

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

Notify us immediately if you believe your username and password has been stolen, used without your consent, or compromised in any way.

You will receive a statement for each month in which reportable activity occurred. Reportable activity includes ACH, check, and debit transactions. A quarterly statement will be issued regardless of activity. All transactions generated through NorthCountry Online Banking will appear on your monthly or quarterly statement. No other receipts will be sent.

You also opt to have your statements and notices posted for you online within the security of digital banking. This requires that you provide us with a valid email address. When a statement or notice is posted for you, we will email an alert to the address on record within digital banking. E-statements can be downloaded at no charge. If you choose to also receive a printed/mailed version of your monthly statement in addition to e-Statements, a $5.00 charge per statement will apply. To register for e-Statements and e-notices, sign in to NorthCountry Online Banking, select "Additional Services" from the navigation bar, and click on "e-Documents".

If the credit union does not complete a transaction for which you receive a confirmation number, 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

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 digital banking 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
   

Termination by the Member

You may terminate this agreement at any time by notifying the credit union in writing or via e-mail to [email protected]. 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 payments 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.

Online Banking fees are described in your Truth-in-Savings Disclosure. Currently no fees are assessed for NorthCountry Online Banking's standard service. For other fees, see the Fee Schedule and Truth-in-Savings Disclosure.

We assume no liability due to your inability to access the NorthCountry Online Banking 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 Banking service.