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Terms, Agreements, and Disclosures of Canals & Trails Credit Union's Sharetec Home Banking Services

This agreement is between Canals & Trails Credit Union (hereinafter "we, us, or our Credit Union"), and each member who has enrolled in Home Banking, together with any person who is authorized by a member to use or access their Home Banking ("hereinafter referred together as "you, your or yours").

Canals & Trails Credit Union's Sharetec Home Banking is an electronic service provided to increase the convenience for our members. This Agreement supplements other terms and conditions in other Credit Union agreements and disclosures, which you may have previously agreed to. To the extent there is any conflict between the terms and conditions of other agreements and this one, this agreement will govern our relations with you for the Canals & Trails Sharetec Home Banking.

You warrant and agree that you will not use Canals & Trails Credit Union accounts or services, to make or facilitate any illegal transactions as determined by applicable law; and that any such use, including any such authorized use, will constitute an event of default under this agreement. You agree that Canals & Trails Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized users. You further agree to indemnify and hold Canals & Trails Credit Union harmless from any suits, liability, damages, or adverse action of any kind that results directly or indirectly from such illegal use.

Electronic Disclosure: After you have carefully read this Agreement in its entirety, please indicate your consent to the same and to receiving this Agreement and Initial Disclosure "Agreement", electronically by clicking "I Acknowledge". If you are not in agreement with this Agreement, please exit this web site. YOUR USE OF THIS WEB SITE SHALL CONSTITUTE YOUR AGREEMENT TO THE TERMS OF THIS AGREEMENT.

1. Protecting Your Online Banking Transactions. Security is of utmost importance for Canals & Trails Credit Union. Canals & Trails Credit Union strives to provide the most secure environment possible for worry-free online account access. We continually evaluate new technologies to take advantage of evolving security enhancements. Unique User IDs and Passwords are designed to protect your identity. The privacy of communications between your computer and Canals & Trails Sharetec Home Banking is ensured by the use of encryption. Encryption scrambles information so that it cannot be used by unauthorized parties. Canals & Trails Credit Union uses a 128-bit Secure Sockets Layer (SSL) encryption. When visiting Canals & Trails Credit Union's Sharetec Home Banking web site, notice on the bottom of the Internet browser displays a closed padlock and the address bar displays https://. This ensures that information is being encrypted. We also provide virus protection, network scanners, password management, and firewalls.

2. Definitions. As used in this Agreement, Accounts refers to your checking, savings, club, CD or loan accounts that you have with Canals & Trails Credit Union; Services refers to collectively any or all programs, software, products and services offered by Canals & Trails Sharetec Home Banking which allows you to perform transactions via an Internet connection; Transaction refers to any deposit, payment, transfer, or other instruction relating to any account provided by the Credit Union; Canals & Trails Sharetec Home Banking refers to the software program that hosts Online Banking.

3. Eligibility. In order to enroll and activate Canals & Trails ShareTec Home Banking, you must be eligible to maintain an account with us. To use the Sharetec Home Banking, you must use a personal computer or other device with the capacity to interface by modem or otherwise with the Credit Union's system. The Credit Union is not responsible for providing any equipment, service, or advice related to equipment necessary to interface with our system, and is not responsible for any error in connection, transmission or otherwise regarding any system, software, entries, or instructions. When using the Credit Union's Sharetec Home Banking you must, when prompted, enter your member number as the User ID and your Password. By entering the correct information you will have direct access to your Credit Union accounts.

4. Equipment Requirements. To use Canals & Trails Sharetec Home Banking, you need a computer with a modem and a web browser (such as Microsoft Internet Explorer, Netscape Navigator, Mozilla, or an equivalent). You are responsible for the set-up and maintenance of your home computer and modem and web browser.

5. Access. Your accounts can be accessed via a personal computer. Internet service will be available for your convenience 24 hours per day. This service will be interrupted for a short time each day and at the beginning of each month for data processing. It may be interrupted to allow for system upgrades and enhancements. You will be notified on the web site when this occurs.

We reserve the right to refuse any transaction which would draw upon insufficient funds, thereby lowering an account below a required balance. The service will discontinue if no transaction is entered after unsuccessful attempts to enter a transaction, and there may be limits on the duration of each Internet connection. You will have 3 attempts to accurately log in to your online account. If you become locked out, please contact the Credit Union.

Canals & Trails Sharetec Home Banking allows you to review recent transactions on loans, checking, club, CD, and savings accounts; to transfer funds among your accounts; to transfer funds to another account on which you are a joint owner within Canals & Trails Credit Union; to see a summary of your accounts; to make transfer payments to loan accounts; and to receive and send electronic messages to the Credit Union. You understand that we may not immediately receive e-mail communications that you send and will not take action based upon e-mail requests until we receive your message during regular business hours, and have reasonable opportunity to act. If you need to contact the Credit Union immediately, you may call 815-838-7159.

6. User ID and Password. You will be assigned a personal User ID and a Password which you will use to obtain access to the Canals & Trails Sharetec Home Banking. You authorize us to follow any instructions entered through the Service using your User ID and Password. Because your User ID and Password can be used to access your Accounts and to access information about these Accounts, you should treat your User ID and Password with the same degree of care and secrecy that you use to protect your ATM security code and other sensitive financial data. We may ask you to change your User ID and Password from time to time for security reasons. You agree not to use any language that is abusive, harassing, libelous, defamatory, obscene, or threatening when defining your Password or any other personalization of your Accounts.

7. Sharing Your User ID and Password with Others. You agree not to give or make available your User ID, Password, or account numbers to any person who is not authorized to access your Canals & Trails ShareTec Home Banking. If someone to whom you have granted authority to use your User ID and Password exceeds such authority, you are fully liable for all payments made by such person until you have notified us that you have terminated the authority granted to such person and have given us a reasonable period of time to act upon such notice. We may require that you put such notice in writing. Upon receipt of such notice we may require you to immediately change your User ID and Password, and to identify the person or persons you believe to have exceeded such authority. You agree to cooperate with us in the investigation and prosecution of any person who has obtained and used your User ID and Password without your authorization and/or in excess of your authority.

8. Termination. You may terminate your use of the Service at any time by contacting Canals & Trails Credit Union.

9. Limitation of Liability. Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the maintenance of the Canals & Trails Credit Union or Sharetec Home Banking web site, even if we have been advised of the possibility of such damages or losses. We are not responsible for any loss, damage or injury resulting from an interruption in your electrical power or telephone; the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality, the failure or unavailability of Internet access; problems with Internet service providers, any defect or malfunction of your PC, modem, or telephone line.

10. Entire Agreement. This Agreement constitutes the complete and exclusive agreement between you and Canals & Trails Credit Union related to the Sharetec Home Banking Service. Any other agreement or disclosure with respect to your accounts for the services made by or with Canals & Trails Credit Union is separate and distinct from this Agreement.

11. Amendments. We may amend or change any of the terms and conditions of this Agreement at any time upon reasonable notice to you. If you do not agree to the change or amendment, you may notify us prior to the effective date of the change or amendment and cancel your access to the Service. Your continued use of the Service after the effective date of change will be deemed acceptance of the change or amendment.

12 Privacy Policy Information Collection and Use. This Canals & Trails Credit Union respects the privacy of visitors to our website and is committed to maintaining all reasonable precautions to assure the privacy and security of this web site. At times, we may ask you to provide information about yourself or your company in order to server you better. We will only use this information to support your customer relationship with us. This information may include name, title, company, address, phone number, email address, and other relevant data. We do not require this information to obtain access to many areas of our site. We however, require to download certain product information or to access specified sections of our site. In both cases, this information allows us to contact you should the need arise or to respond appropriately to your request for services. This Canals & Trails Credit Union may use this information in an aggregated form to measure number of visits, average time spent on the site, pages viewed, and other relevant statistics. This Canals & Trails Credit Union collects this information to measure the use of our site and to improve the content of our site. Our website may contain "links" to other sites, and we cannot and are not responsible for maintaining your privacy once you leave our site. We attempt to only link to sites that share our high standards and respect for privacy. We may also make use of website "cookies" to help you use our services more easily and to help us continuously improve our website and our service to you. A "cookie" is a small data file that a website can send to your browser, which may then be stored on your hard drive to help our website "remember" information about you when you return to our website, such as your preferences for our website or account id's. Our cookies cannot read data off your hard drive, read cookie files created by other websites or track any personal information about you. You may be able to set your browser to notify you when you receive a cookie.

13 Registration. Some segments of our website require that you be a registered user before you are granted access to those segments. During the registration process, you are required to provide contact information (such as name, company, mailing address, telephone number and e-mail address). This information will be stored in the United States and used both to contact you if necessary and to control access to restricted parts of our website.

14 Other Data. In addition, certain on-line technical applications require the entry of technical data such as product formulations or properties. This Canals & Trails Credit Union does not monitor nor save such information to storage devices unless the application provides for the storage of such information as a service to you. In that case, such information will not be accessed or viewed by Canals & Trails Credit Union personnel except for those activities required for the maintenance and upkeep of our website. We will take all reasonable precautions to assure that no such information will be provided or divulged to other third party personnel.

15 Security. This Canals & Trails Credit Union takes reasonable precautions to keep all information obtained from our online visitors secure against unauthorized access use and we periodically review our security measures in an effort to ensure your privacy. We will not, without your permission, give, sell or provide to others for a fee any information that you provide to us, except as set forth herein. We will always ask for and obtain your permission before sharing your information with anyone unless we believe in good faith that the law requires our Company to do so.

16. Severability. If any provision of this Agreement is determined to be void or invalid, the remainder of this Agreement shall remain in full force and effect.