MN Catholic Credit Union
Bank IT Service Agreement and Disclosure

This agreement explains the terms and conditions for using our Bank IT Online banking Service and provides important disclosures and information to you concerning the service. Please read the document carefully. Each time you utilize our Bank IT Service, MNCCU account(s), or authorize anyone else to access your MNCCU account(s), you agree to be bound by the terms and conditions of this Agreement and Disclosure. All current and future signers are jointly and severally liable. Each of your accounts at the MNCCU is also governed by the applicable account disclosure/agreement and Truth-In-Savings disclosure you received when you opened your account, prior receipt of which you acknowledge. You can print a copy of this disclosure by clicking here.

Bank IT is an internet based service connecting members to their savings, loan accounts, checking accounts and other accounts already established, allowing you to make transactions on-line

Terms Used
"We", "our", "us" and "the Credit Union" refer to MN Catholic Credit Union. "You" and "Your" refer to the Credit Union member, joint owner, or anyone authorized by the member to use the account."

You must be a member in good standing of MN Catholic Credit Union. The Credit Union reserves the right to refuse or terminate any member's Bank IT Service at any time.

System Requirements
To use Bank IT you must have a computer, modem, Internet Service, browser, your Login ID and a Password.

Business Days
Our business days are Monday through Friday. Holidays are not included.

Charges and Fees
Bank IT Service is offered without a monthly service fee. Please note that fees, such as internet access fees or telephone line charges, may be assessed and billed separately by your internet service provider and/or phone company. We reserve the right impose and/or change the fee amount at anytime; we will notify you of any changes as required by law.

You can cancel your Bank IT Service at anytime. If you do not access the Credit Union's Bank IT Service for a period of three consecutive months, your access privileges can be cancelled. Abuse or misuse of this service will result in your access to Online Banking being revoked.

Applicable Law
Except to the extent that Federal law is controlling, your rights, our rights, and the terms of this Agreement will be governed in all respects by Minnesota State law. If any provision is found unenforceable, the rest of the Agreement will remain in effect.

Unauthorized Transfers
CONTACT US AT ONCE if you believe your access device (password) has been lost or stolen. Telephoning is the best way to control your loss. Notice of unauthorized use must be confirmed in writing. You could lose all the money in your account. CONTACT (651)484-0265 or 400 E Little Canada Rd, Little Canada, MN 55117. IN THE EVENT OF A LOSS OR AN UNAUTHORIZED TRANSFER, AND REGARDING ERRORS OR QUESTIONS ABOUT YOUR BANK IT SERVICE: We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following: a) Your name and account number; b) Description of the error you are unsure about and why you believe it is an error or why you need more information; c) The dollar amount of the suspected error. If you tell us verbally, we will require that you send us your complaint in writing within ten (10) business days or we may not credit your account. We will tell you 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) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete the investigation. If the alleged error pertains to a point of sale or a transaction initiated outside of the United States or Puerto Rico, the forty-five (45) calendar days become 90 calendar days. If the alleged error occurs within the first 30 days of the opening and depositing to a new account the 10 business days become 20 and the 45 calendar days become 90. If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation and withdraw any provisional credit we made to any of your accounts. You may ask for copies of the documents that we used in the investigation.

Disclosure of Account Information to Third Parties
Information about your account is confidential. Without your written permission, we will not disclose such information to third parties except where necessary to complete a transfer, to report or confirm the condition of your account for a credit bureau, or in order to comply with a government agency, or court order or if you give us your written permission. Our Liability for Failure to Complete an Electronic Fund Transfer Transaction If we fail to complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for damages caused by our failure unless: 1. There are insufficient funds in your account to complete the transaction through no fault of ours; 2. The funds in your account are uncollected; 3. The funds in your account are subject to legal process; 4. The transaction you request would exceed the funds in your account plus any available over draft credit; 5. We have reason to believe that the transaction requested is unauthorized; 6. The failure is due to an equipment breakdown which you knew about when you started the transaction at the terminal; 7. The transaction would exceed security limitations; 8. Circumstances beyond our control that occur despite reasonable precautions; 9. If you have not properly followed the Credit Union's Bank IT instructions or have provided us with wrong or inaccurate instructions.

In exchange for being granted access to Bank IT services through the World Wide Web, you agree to legally be bound by the following terms and conditions:

Liability for Unauthorized Transaction
You agree to contact the Credit Union at once if you believe your Internet Banking password has been lost or stolen or money is missing from your account(s). You also agree that if your monthly statement shows transactions which you did not make, and you do not contact the Credit Union within sixty (60) days after the statement was mailed, you may not get any money lost after that time. YOU AGREE IF YOU GIVE YOUR account number AND password TO SOMEONE ELSE TO USE, YOU ARE RESPONSIBLE FOR ANY USE BY THEM.

You agree that when you deposit a check, share draft or other non-cash item, the Credit Union has the right to collect those funds before the Credit Union makes the money available to you. If you deliver cash, checks or other items to an ATM operated by another financial institution for transmission to the Credit Union for deposit in your account, you agree that your account does not have to be credited with that deposit until such time as the deposit is actually received and the funds are collected.

You hereby acknowledge receipt of the disclosure statement informing you of your rights and a copy of this Agreement.

In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the