I hereby apply for TCCU ONLINE.

I have read the TCCU Online Disclosure and Agreement and agree to the terms and conditions. I understand that all previous terms and conditions are incorporated into this agreement.

I understand that I cannot use the TCCU Online without a password and that I am solely responsible for the safekeeping of my password; if I provide that password to someone other than myself, this will allow full access to my credit union accounts.

I understand that my password may be used for check withdrawals, transfers within my account(s), transfers to all other requested Town and Country Credit Union accounts, any information regarding my account and other possible transactions as they become available.

I am responsible for all transactions by use of the TCCU Online. For multiple party accounts, each person on a multiple party account will be liable for all transactions that are made on that account. Each owner(s) on a multiple party account(s) agrees to be liable for the actions of the other owner(s) on the account. I am responsible for the safekeeping of my password and for all transactions by use of the TCCU Online.

I further understand that my password is not transferable and I will not disclose the password or permit any unauthorized use thereof.

If I default in any amount I owe under this agreement, I agree to pay any and all attorney fees and collection costs incurred by the credit union.

I waive all present or future claims against the credit union and release said credit union for all responsibility for loss or damage not caused by the credit union’s negligence which I might incur through unauthorized transactions of any kind from my account(s) through the custody and use of the password. I hereby indemnify and release Town and Country Credit Union from any and all liability and agree not to make any claims or bring action against TCCU in honoring or allowing any transactions; if I have permitted the person performing the action or transaction to use my account or when I have provided my password to that person or if the transaction is the result of my negligence or carelessness.

I understand that the credit union reserves the right to discontinue access to the TCCU Online without notice and will not be liable for failure to honor any TCCU Online transactions.

Amendments to this agreement may be provided to me, in accordance with application laws, without restatement of a period term. The use of the TCCU Online is subject to such other terms, conditions, and requirements as the credit union may establish from time to time.

TCCU Online is covered under the Electronic Funds Transfer Act as described in the Membership and Account Agreement.

This agreement will be subject to and governed by the laws of North Dakota and any applicable federal laws. If any provision of this agreement are prohibited or invalidated under applicable law, the remaining provisions of this agreement will remain valid and in full force and effect. My initial use of any TCCU Online in connection with my account(s) at Town and Country Credit Union constitutes my acceptance and agreement to be bound by all of the terms and conditions of this agreement and of the Deposit Account terms and conditions.

All services later added, such as Bill Payment services, are covered under this agreement and my signature authorized Town and Country Credit Union to carry out any transactions. By using any new service, I agree to be bound by the terms communicated to me in advance.