Important Disclosure Information

You must read the following important disclosure statement and be a Bluebonnet member before applying for BLUEBONNET@HOME online access. BLUEBONNET@HOME Online Disclosure

1. BLUEBONNET@HOME Online Services. Member hereby applies to Bluebonnet Credit Union (Bluebonnet) for BLUEBONNET@HOME online home banking services. In order to remain eligible for BLUEBONNET@HOME, member must remain a member in good standing. The following transactions may be performed by the member through BLUEBONNET@HOME:

a. Transfers. You may transfer funds among your Bluebonnet share, share draft, Money Market or loan accounts. Transfers through BLUEBONNET@HOME do not immediately charge or credit your account. Transfers will be effective no later than the next business day after the date of such transaction.

b. Withdrawals. You may withdraw funds from your share, share draft or Money Market accounts by check. The check will be payable to the primary member and will be mailed to the address of record as listed on the credit union's records.

c. Account Balance Inquiries. You may view your share, share draft, Money Market and loan account balances. Because the main credit union system is not connected directly to the Internet, it is necessary to update the BLUEBONNET@HOME file server periodically during the day. Therefore it is possible that some transactions that affect account balances, and that have been processed by the credit union, are not yet included in the balance at the time you view it. In addition, there may be drafts written against your balance, or other electronic items, such as debit card or bill-paying transactions, that have not yet been presented to the credit union for payment.

d. Transaction History. You may view the transaction history for any loan or deposit account. Because the main credit union computer system is not connected to the Internet, it is possible that some transactions are not yet included in the history at the time you view it even though they may have been processed by the credit union. The main credit union computer system is always the official record of account history.

e. Cleared Check Searches. You may search for drafts that have cleared your account. You may also list check clearings by date cleared or check number. The oldest check available will vary but dates will go back, at a minimum, to your last regular statement date.

f. Check Orders. You may reorder checks and/or view and order check styles available through the credit union. We will not process check order requests if you do not have a checking account at the credit union.

g. Additional Services. From time to time, Bluebonnet may announce additional services which are available through BLUEBONNET@HOME. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

h. Access Limitations. The credit union reserves the right to limit or revoke online access.

2. Operating Systems. Our Internet home banking site is designed to operate using World Wide Web technologies and protocols which are adaptable to a wide range of systems. The home banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. We check your certificate and provide update information (you will receive instructions regarding how to update your browser). if necessary, when you enter the home banking site. We use "cookies" to help us administer the home banking service. 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. 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 "time out" your access authority to our home banking site. Until it times out, you can come back to our home banking 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(s) is to exit the browser when you are finished with your session. Our home banking system is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our home banking server and your PC. All home banking logins are logged by the server. For authenticated members who use home banking, we collect and store certain information such as how often you visit the home banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer, or trade this information unless we are compelled to do this by law. We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In those cases, we will share this information with other companies, agencies and law enforcement authorities as we see fit.

3. BLUEBONNET@HOME Password. You hereby acknowledge that you have reviewed and read the appropriate disclosure pertaining to BLUEBONNET@Home and agree to the terms of the disclosure. You acknowledge that use of BLUEBONNET@HOME by other persons will give them access to any of your deposit/loan accounts. Access to a member account will be by means of a member's Password. You agree not to make your Password available to any other person. If you believe your Password has been lost or stolen or that someone has transferred/withdrawn or may transfer/withdraw money from your account without your permission, call (713) 646-2820 or 800-582-8275 between 7:30 A.M. and 5:00 P.M. (Central Time) Monday through Friday, or write us at 1314 Texas Ave., Suite 1800, Houston TX 77002. You may change your Password at any time from within the BLUEBONNET@HOME service. We suggest you change your Password from time to time and do so immediately if you believe another person has gained access to your information.

4. Liability for Unauthorized Transfers

a. Liability Disclosure. Tell us AT ONCE if you believe your Password has been lost or stolen and immediately change your Password. Telephoning is the best way of limiting your potential losses. If you tell us within two (2) business days, your losses cannot exceed $50 if someone used your Password without your permission. If you do not tell 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 if you had told us, you could lose as much as $500. Also, if your statement shows transfers/withdrawals 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 you lost after the 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 a good reason kept you from telling us, we may extend the time periods.

b. Address and Telephone Number. If you believe your Password has been lost or stolen or that someone has transferred/withdrawn or may transfer/withdraw money from your account without your permission, call: 713-646-2816 or 800-582-8275 or write Bluebonnet Credit Union 1314 Texas Ave., Suite 1800 Houston TX 77002

5. Statements. All transactions generated by you through BLUEBONNET@HOME will appear on your monthly or quarterly statement.

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

a.  If, through no fault of ours, you do not have enough money in your account to make the transfer or withdrawal;

b. If the BLUEBONNET@HOME equipment or software was not working properly and you knew about the breakdown when you started the transfer or withdrawal;

c. If circumstances beyond our control (such as fire or flood) prevent the transfer or withdrawal from being completed despite reasonable precautions that we have taken. We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the BLUEBONNET@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 BLUEBONNET@HOME, 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.

7. Errors and Questions. In case of errors or questions about your electronic transfers, telephone us at 713-646- 2820 or 800-582-8275 or write us at 1314 Texas Ave., Suite 1800, Houston TX 77002 as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us:

a. Your name and account number;

b. Why you believe there is an error and the dollar amount involved;

c. Approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question 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 you will have the use of 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 it within ten (10) business days, we may not credit your account during the investigation. If we decide that there was no 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 that we used in our investigation. If you need more information about our error resolution procedures, call us at the telephone number(s) shown above.

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

9. Governing Law. This agreement shall be governed by and construed in accordance with the laws of the State of Texas.