EFT Disclosure and Terms

The following information explains the terms and conditions for using our JDECU Web Site service (including secure site CU at Home) and describes the various types of electronic funds transfers which are available to you with the CU at Home service and your rights and responsibilities concerning these transactions, including your rights under the Electronic Fund Transfers Act. The Jack Daniel Employees’ Credit Union Web Site is offered to you conditioned upon your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Jack Daniel Employees’ Credit Union Web Site constitutes your agreement to all such terms, conditions and notices. Each of your accounts at Jack Daniel Employees’ Credit Union is also governed by the applicable account disclosure/agreement and Truth-In-Savings disclosure you received when you opened your accounts. For the purpose of this disclosure Jack Daniel Employees’ Credit Union will be referred to as JDECU.

Account Access:
JDECU reserves the right to change the terms, conditions, and notices under which the JDECU Web Site services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the JDECU Web Site services constitutes your agreement to all such terms, conditions and notices.

To access your account through our CU at Home service, you must have your account number and a password. This information is requested when you enter our CU at Home pages from our web site.

The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection, we recommend that you change your CU at Home access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account number(s) and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify Jack Daniel Employees’ Credit Union at once at (931) 759-6157. Or you can send us an e-mail to admin@jdecu.org.

To get an initial password for the CU at Home service, complete an enrollment form and mail it to Jack Daniel Employees’ Credit Union, PO Box 199, Lynchburg, TN 37352 or drop it by our office. You will be required to change your initial password when you first login.

Personal and non-commercial use limitation:
Unless otherwise specified, the JDECU Web Site is for your personal and non-commercial use. You may not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the JDECU Web Site.

Fees
There are no monthly fees and/or transaction fees for accessing your account(s) through our
CU at Home internet banking service. We do not intend to charge in the future for the service, but reserve the right to do so after providing 30 days advance notice to all users at the
CU at Home login page.

Your Internet service provider (ISP) may charge a fee to access the Internet via its server. We have no control over ISP related fees.

Other fees that may apply include overdraft fees for non-sufficient-funds or excessive withdrawal fees for club accounts which are outlined in your Truth-In-Savings disclosure. Although account balances appear in our CU at Home web pages, these balances are current through the last upload of information and are not a live feed from your account. Please be sure to balance your account with any current information you may have such as share drafts that have not cleared your account as of the last upload from our system. Careful maintenance of transactions will help you to avoid overdraft fees.

Available Services and Limitations
The following information describes the various types of electronic funds transfers which are available to you with the CU at Home service and your rights and responsibilities concerning these transactions, including your rights under the Electronic Fund Transfers Act. Please read this document carefully. You may print or save this document for future reference or you may request a copy by telephoning us at (931)759-6157.

Electronic Fund Transfers are deposits to, withdrawals from, transfers between your accounts, or cross-member transfers which are not originated by check, draft or similar paper instrument. If your account(s) involves such transfers, you have certain rights which are described below.

You may access your account 24 hours a day, 7 days a week using JDECU’s Cu at Home service, your access number and your password. From a personal computer with internet connection, by typing www.jdecu.org and clicking on CU at Home, you may perform the following transactions:

• Transfers. You may transfer funds between your share (savings) account, share draft (checking) account, special club accounts and loans as the account agreements may allow. Transfers from any savings account except the checking are limited to 6 per calendar month in any combination of online, pre-authorized and telephone transfer. Christmas and Vacation Club accounts have additional limits of 1 withdrawal per year.
• Balances. You may view your deposit account and loan balances. There may be checks written against your balance or other electronic items such as automatic insurance deductions that have not yet been presented to the credit union for payment.
• Transaction History. You may view the transaction history for any deposit account or loan.
• Dividends. You may verify current dividend postings to your accounts. You may also verify previous and current year dividends earned on your account.
• Loans. You may verify loan types, next payment due date, loan payoff amounts and current loan balances.
• Password Changes. You may change your password at any time from within the CU at Home service section. For your protection we recommend you change your password regularly.
• Check Search. You may search for checks that have cleared your account. You may also list check clearings by date or by check number.
• Additional Services. From time to time we will announce additional services that are available through our CU at Home service. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

Links to third party sites:
The JDECU Web Site may contain links to third party Web sites (“Linked Sites”). The Linked Sites are not under the control of JDECU and JDECU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. JDECU is not responsible for web casting or any other form of transmission received from any Linked Site nor is JDECU responsible if the Linked Site is not working appropriately. JDECU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by JDECU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the JDECU Web Site or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. JDECU shall not be responsible or liable for any part of any such dealings or promotions.

No unlawful or prohibited use:
As a condition of your use of the JDECU Web Site, you will not use the JDECU Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the JDECU Web Site in any manner which could damage, disable, overburden, or impair any JDECU Web Site (or the network(s) connected to any JDECU Web Site) or interfere with any other party’s use and enjoyment of any JDECU Web Site. You may not attempt to gain unauthorized access to any JDECU Web Site or other accounts, computer systems or networks connected to any JDECU Web Site, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the JDECU Web Site.

Operating Systems and Security
Our CU at Home site is designed to operate using the World Wide Web technologies and protocols, which are adaptable to a wide range of systems. The CU at Home section uses SSL encryption and requires a browser with a current (un-expired) Thawte Root CA Security Certificate. Our server uses 40 to 128 bit encryption, depending on the browser.

We use cookies to help us administer the CU at Home section. Some browsers allow you to reject cookies from servers. If you don’t allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to “time out” your authority to view information. We place the cookie with instructions that it can only be sent to a server in our home banking domain (homecu.net). A cookie cannot be used to extract data from your PC. We do not store your Access Code, User ID, or Password in your cookie.

The cookie we set will “timeout” your access authority to our CU at Home section. Until it times out, you can come back to our CU at Home section without logging in. After the time out period, you will need to log in again. Remember, most browsers will let you use a BACK button to view previously visited documents even if your viewing authority has expired. For this reason, the only way to keep others from viewing your account balance is to exit the browser when you are finished with your session. This is especially important if you are using a public or share computer.

Liability for Unauthorized Transfers
Tell us at once if you believe your password has been lost or stolen and immediately change your password from within the CU at Home section. Calling is the best way to notify us immediately. You could lose all the money in your account. If you tell us within two (2) business days after you learn of the loss or theft of your password, you can lose no more than $50 if someone used your password without your permission.

If you do not tell us within two (2) business days, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows a transfer 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 be reimbursed money you lost after sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without permission:

Call
931-759-6157

Or write
Jack Daniel Employees’ Credit Union
PO Box 199
Lynchburg, TN 37352

Or email
admin@jdecu.org

Your Ability to Stop Payments
Unless otherwise provided in this agreement, you may not stop payment of Electronic Fund Transfers. Therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.

The initiation by you of certain Electronic Fund Transfers from your account will, except as otherwise provided in this agreement, effectively eliminate your ability to stop payment of the transfer. Each time you make a transfer from one account type to another within the CU at Home site, you will be asked to confirm the transaction by clicking on the transfer button. Please review the transaction carefully before completing the transfer.

Documentation
You will receive a monthly statement from us for your share draft (checking) account. You will receive a monthly account statement from us for your share (savings) accounts, unless there are not transfers to or from your accounts in a particular month. In any case, you will get a statement at least quarterly.

Business Days
Our business days are Monday through Friday. Holidays are not included. If the end of the calendar month falls on a Saturday or Sunday or holiday, we normally “close our books” on the preceding business day after the close of business. Transfers made using CU at Home after the books are closed or on a weekend or holiday will be treated for dividend and interest calculation purposes as if they occurred on the first day following the weekend, holiday, or on the first day of the following month. These transactions will be included with the statement of the next month’s activity. If having a record of the date on which you make a loan payment is important to you for income tax reporting purposes, you may want to make the payment on or before the close of the last business day of December to make sure it will appear on your Year-End statement.

Our Liability
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement/disclosure with you, we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance:

• If through no fault of ours, you do not have enough money in your account to make the transfer.
• If the home banking equipment or software was not working properly and you knew about the breakdown when you started the transaction.
• If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.

We shall not be responsible for any other losses, damage or injury whether caused by the equipment, software, and/or the CU at Home service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including without limitations, any warranties of fitness for a particular purpose or warranties of merchantability.

Errors or Questions
In case of any errors or questions about your electronic transfers, call us at (931) 759-6157 or write us at PO Box 199, Lynchburg, TN 37352 no later than sixty (60) days after you receive your statement. Please include the following information in your inquiry:

• Name and account number as it appears on your statement
• A brief description of the error
• The date of the error in question.

If you phone in your complaint or question, we may require that you send us the information in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint but will provide access to the funds in question after the ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive the information within ten (10) business days, we may not credit your account during the investigation.

If we determine there was not an error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

Termination/ Access Restriction:
JDECU reserves the right, at its sole discretion, to terminate your access to the CU at Home section and the related services or any portion thereof at any time, without notice.

JDECU may also terminate or suspend your access to CU at Home services for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by JDECU. Upon termination of the CU at Home service, your right to use the CU at Home service immediately ceases. JDECU shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.