WELCOME to Oswego Heritage FCU – Online for AT HOME BANKING. We are pleased to offer you a convenient way to view your account balances, transfer funds, & review account history on-line anywhere you want. This is a FREE service.

This agreement and disclosure specifically governs Home Banking 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 everyone who utilizes Home Banking. The words “We”, “Us”, “Our”, and “Credit Union”, mean Oswego Heritage FCU, and the words “the service” refer to Home Banking.

You agree to be bound by all the terms and conditions contained herein and also the terms and conditions found in the Credit Union’s membership and account agreement brochures. You further agree to abide by any terms and conditions, which may be added because of future enhancements to Home Banking.

Home Banking
Home Banking is a service that lets you manage your finances on-line. It provides you access to your account 24 hours a day seven days a week from anywhere in the US, via Internet. Through Home Banking you can access your accounts online to check balances, review transactions, transfer funds, and obtain loan balances.

Security and Protecting Your Account
Oswego Heritage FCU is strongly committed to protecting the security and confidentiality of our member account information. We use state of the art technology in the ongoing development of Home Banking to ensure security and privacy. In order to access Home Banking you must have a browser that supports 128-BIT encryption.

Security Code Issuance
Upon enrollment, a User ID and eight (8) digits Security Code will be issued. It is the responsibility of the member to change the security code immediately.

Your Responsibility

• Not to give out your identifying information such as your PC password to any other person.
• Never leave your account information displayed in an area accessible to others.
• Never leave your PC unattended while using Home Banking.
• Always exit and sign off the system properly.
• Notify the Oswego Heritage FCU at (315) 593-8443 immediately if you suspect that your password has become known to any unauthorized person.
• You understand that by using Home Banking you have agreed to the terms and conditions of this agreement.
• Use Home Banking solely as provided in this agreement.
• Oswego Heritage FCU may download certain information to your computer of or other access devise, including customer identification information.
• Properly maintain any accounts you have with Oswego Heritage FCU, to comply with the most recent membership account agreement information brochure governing these accounts.
• Pay any fees incurred by the use or maintenance of your accounts.

Member Liability
If you fail to maintain security of your User ID and security code and the Credit Union suffers a loss, we reserve the right to terminate service to you under this agreement, as well as to terminate other deposit and loan services. Oswego Heritage FCU will not be responsible for any losses you suffer due to your failure to maintain the security of your User ID and security code. Users of the service should use such other security code 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.

This service provides the capability for you to change your security code. To help safeguard your security, you should change your security code frequently. If you forget your security code or your system access is disabled due to the use of an incorrect security code, you must contact the Oswego Heritage FCU to request that a temporary security code be issued to you. We reserve the right to require written re-application for a new or replacement security code.

Fees and Charges
There is NO fee for Home Banking. There is NO fee for termination thereof. However, Oswego Heritage FCU reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law.

System Unavailability
Access to the service may be unavailable at certain times for the following reasons:

• Scheduled maintenance – there will be periods when systems require maintenance or upgrades.
• Unscheduled maintenance – service may be unavailable when unforeseen maintenance is necessary.
• System outages – major unforeseen events, including but not limited to earthquake, fire, flood, computer failure, interruption in telephone service or electrical outages, which may cause system unavailability.

Oswego Heritage FCU will make all reasonable efforts to ensure the availability of the service. However, Oswego Heritage FCU is in no way liable for the unavailability of Home Banking or any consequential damages that may result.

Termination of Agreement and Services
You may cancel this agreement and terminate your service with Oswego Heritage FCU at any time by notifying the Credit Union orally or in writing and discontinue use of the service. The Credit Union may terminate its service and this agreement and disclosure at any time by giving you advance notification.

Amendments
This agreement may be amended by the Credit Union at any time at it discretion. You will receive notice of amendments required by law.