INTRODUCTION:
This Agreement and Disclosure specifically governs the Travis County Credit Union Online Banking Service and informs you of your rights and responsibilities and the terms and conditions associated with the service you have requested. Please read this Agreement and Disclosure carefully. In this Agreement and Disclosure, the words "you", "your", and "yours" mean each and every one who utilizes Travis County Credit Union Online Banking Service. The words "we", "us", "our", "TCCU" and "Credit Union" mean Travis County Credit Union. The words "the Service" refer to the Travis County Credit Union Online Banking Service. By initiating inquiries and/or fund transfers through the Travis County Credit Union Online Banking Service, or by permitting another to use the Service on your behalf, you acknowledge receipt of the Agreement and Disclosure and agree to be bound by all terms and conditions contained herein, and all applicable terms and conditions in our other agreements with you governing your checking, savings, and loan accounts accessible in connection with the Service. You further agree to follow all instructions provided by the Service and reflected on your computer screen. The terms and conditions of this Agreement and Disclosure are in addition to the terms and conditions of any and all other deposit account and credit agreements you have with the Credit Union, including all such disclosures made pursuant to such agreements. You further agree to abide by any terms or conditions which may be added because of future enhancements to Travis County Credit Union Online Banking Service. When you log in to the Travis County Credit Union Online Banking Service, you are agreeing with the terms and conditions discussed on this page.

SERVICES:
Using your personal computer ("PC") and your Password, you can access your TCCU accounts and process transactions 24 hours a day, seven days a week (as long as the Service is available. See "System Unavailability"). You may use your PC and your password to carry out the following transactions: Inquire about and download account balance and transaction history on your savings, checking, share certificates, and loan accounts (with the exception of MasterCard® accounts); Initiate funds transfers between your savings, checking, and loan accounts established under the same primary account number. (Transfers cannot be made to MasterCard® accounts.); and Make withdrawals payable to you by check to be sent to your current address of record on file with TCCU.

BUSINESS AND PROCESSING DAYS:
Travis County Credit Union Online Banking Service will be available 24 hours a day, seven days a week, except when down for maintenance or when restricted for period end processing.

LIMITS ON TRANSFERS AND TRANSACTIONS:
With the exception of the specific transactions listed below, there are no limits on the number or value of transactions you may initiate through the Travis County Credit Union Online Banking Service, provided collected funds are available in your account or sufficient credit is available on your line of credit. You cannot initiate a transfer from Share Certificates or IRA accounts, or any restricted accounts, such as mortgage holding. Overdraft Protection is NOT automatically triggered to cover "insufficient funds" transactions. TCCU reserves the right to limit the frequency and dollar amount of transactions at any time for security reasons.

FUNDS AVAILABILITY AND ACCRUAL OF DIVIDENDS:
Funds from electronic funds transfer credits/deposits will be available on the effective date of the transfer, in accordance with our "Funds Availability Policy". Dividends begin to accrue on the effective date of the transfer.

ISSUANCE AND CONFIDENTIALITY OF YOUR PASSWORD:
You are provided with an initial password for use with the Travis County Credit Union Online Banking Service and must choose a new Password of your choice within five logins to the Service. Your password is confidential and should NOT be disclosed to others or recorded on documents or records located on or around your PC. You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. If you authorize anyone to use your password, that authority shall continue until you specifically revoke such authority by changing the password or by notifying TCCU and selecting a replacement password. You understand that if you reveal your password to anyone, you have authorized that individual to transfer and withdraw funds from any of your accounts which can be accessed by the password, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of the Service. If you fail to maintain security of your password and TCCU suffers a loss, we reserve the right to terminate Service to you under this Agreement and Disclosure, as well as to terminate other Credit Union deposit and loan services. Users of the Service should use such other password protection precautions as may be appropriate under any particular set of circumstances to ensure proper security over system access and access to account and transaction information and funds transfer capabilities. The Service provides the capability for you to change your password. To help safeguard your security, you should change your password frequently. Your password for the Travis County Credit Union Online Banking Service will be the same as your PIN for our Phone Teller initially. If you forget your password or your system access is disabled due to the use of an incorrect password, you must contact a TCCU Representative to have your password reset to your phone teller PIN. We reserve the right to require written re-application for a new/replacement password.

TCCU's LIABILITY FOR FAILURE TO MAKE TRANSFERS:
If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, we may be liable for your losses and damages. However, it is your responsibility to verify that the transaction confirmation was received. There are some exceptions. We will NOT be liable for example, if: (1) Through no fault of ours, you do not have sufficient available funds in your account to make the transfer; (2) The transfer would exceed any permitted overdraft line you have with us; (3) Circumstances beyond our control (such as fire, flood, power failure, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the transfer, despite reasonable precautions taken by us; (4) The funds in your account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; (5) The information supplied by you or a third party is incorrect, incomplete, ambiguous, or untimely; (6) The system was not working properly and you knew about the breakdown when you started the transfer; or (7) You are in default on an account to which you are attempting a transfer. (There may be other exceptions stated in our agreement with you.) In addition, TCCU will also have no liability whatsoever for failure to complete a payment or transfer you initiate or attempt to initiate through the Service under any of the following circumstances: (1) If you did not properly follow the Service instructions on how to make the transfer; (2) If you did not give TCCU complete, correct, and current instructions or information; (3) If your personal computer and/or software malfunctioned for any reason; (4) If the transfer could not be completed due to system unavailability; or (5) We blocked the transfer to protect the integrity or security of the system.

MEMBER'S RESPONSIBILITY AND LIABILITY FOR UNAUTHORIZED TRANSFERS:
You are responsible for all transfers you initiate and authorize using the Service. If you permit other persons to use the Service and your password, you are responsible for any transactions they authorize from any of your accounts. Notify us IMMEDIATELY if you believe that your password has been lost or stolen or that someone has used it or may use it to access your accounts and transfer money without your permission. Telephoning is the best way of keeping your possible losses down. Call TCCU at (512) 477-2641 (within continental U.S.) or notify us in writing at:
Travis County Credit Union
1101 N. IH 35
Austin, TX 78702

You could lose all the money in your account, plus any available credit on your line(s) of credit, if you fail to notify the credit union of possible unauthorized use. If you notify us within two (2) business days after learning or suspecting that your password was lost, stolen, or used by someone without your permission, you can lose no more than $50.00. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission had you told us in time, you could be liable for as much as $500. Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money that you lost after the sixty (60) days, if we can prove that we could have prevented someone from taking the money had you told us in time. (TCCU may, at its discretion, extend this time period based on a member's inability to meet the 60 day requirement for reasons such as extended illness or travel.)

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:
Contact us IMMEDIATELY if you think your statement is wrong (or shows transfers and transactions that you did not authorize), or if you need more information about a transfer. You may notify us at (512) 477-2641 (outside the 512 area code) or write to us at:
Travis County Credit Union
1101 N. IH 35
Austin, TX 78702

We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number, the dollar amount of the suspected error, and the date it occurred. Describe the error or the transfer you are unsure about, and explain as clearly as you can, why you believe it is an error or why you need more information. If you notify us verbally, we may require you to send us your complaint or questions in writing within ten (10) business days. We will tell you, in writing, the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we need to use the forty-five (45) days to investigate, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or request in writing and we do not receive it within ten (10) business days, the Credit Union is not required to credit your account. For transactions initiated outside the United States, the time period stated above increases to ninety (90) calendar days instead of forty-five (45) calendar days, unless otherwise required by law, to investigate your complaint or question. If your claim is made within thirty (30) days of account opening, we will provisionally credit your account within twenty (20) business days and may take up to ninety (90) calendar days to conduct our investigation. If we determine there was no error, we will send you written explanation within three (3) business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation and upon which we relied to conclude that the error did not occur. (We will make these available to you to the extent possible without violating any other member's right to privacy).

RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS:
Your completed Service transactions will appear on your periodic account statements. You will get a monthly account statement of the electronic funds transfer activity on your accounts, unless there is no activity in a particular month. In any case, you will get a statement at least quarterly. Be sure to review and verify all statement information thoroughly. You may also obtain information on transfers and payments by inquiry of your transactional account history using the Service.

FEES AND CHARGES:
There is currently no fee for the Service. However, TCCU reserves the right to impose fees or to subsequently change any fee structure, if necessary, without notice.

WITHDRAWAL (BY CHECK) TRANSACTIONS:
If you perform a "withdrawal" using the Service, you are requesting a check disbursement of funds. The check will be payable to the primary name on record for the account from which the funds were withdrawn, and will be mailed to the address reflected on our account records. Allow at least three (3) business days from the processing date of the transaction to receive your check in the mail.

ONLINE MAIL CAPABILITIES AND LIMITATIONS:
The Service does not include secure online mail capabilities. TCCU discourages the use of Electronic Mail for communicating personal or private information.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES:
We will only disclose information to third parties about your account or the transfers you make: (a) Where it is necessary for completing transfers; or (b) In order to comply with government agency or court orders; or (c) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (d) If you give us your written permission.

OTHER LIMITATIONS OF LIABILITY:
You are solely responsible for the selection, installation, maintenance, and operation of your personal computer and software. TCCU expressly disclaims any and all liability as relates to the improper use of your personal computer and the transmission of data. TCCU is not responsible for any errors or failures due to any malfunction of your personal computer or software, or unsuitability of your personal computer or software, or any virus, or any problems that may be associated with the use of any Internet service. TCCU does not claim that the Service will work with any particular browser or software.

TERMINATION OF AGREEMENT AND SERVICE:
You may cancel this Agreement and terminate your Service with TCCU at any time by notifying TCCU either orally or in writing and discontinuing use of the service. The Credit Union may terminate its Service and this Agreement and Disclosure at any time by giving you advance notification, either orally or in writing. Whether you or the Credit Union terminates this Agreement and Disclosure, the termination shall not affect your obligations under this Agreement and Disclosure for any transfers or payments made prior to termination.