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In order for you to use Champion Credit Union’s Electronic Banking Services (as defined below), we must have your general consent to use electronic records and signatures. This Electronic Banking Agreement (“Agreement”) governs your use of Champion Credit Union's Electronic Banking Services. The use of Champion Credit Union's Electronic Banking Services is subject to certain restrictions. Please print a copy of this Agreement for your records. By subscribing to or using Champion Credit Union's Electronic Banking you agree to the terms and conditions in this Agreement and (after their effective date) any changes in such terms and conditions, as they apply to the use of Champion Credit Union's Electronic Banking. If you do not agree with the terms and conditions you may not Champion Credit Union's Electronic Banking.
 
AMENDMENTS
Champion Credit Union may revise these terms and conditions from time-to-time without prior notice. You should visit Champion Credit Union’s website periodically to review these terms & conditions, because they may change from time-to-time and are binding whenever you use any of Champion Credit Union’s Web site.
 
DEFINITIONS
“Champion Credit Union's Electronic Banking” or “Electronic Banking” or “Online Banking” or “Mobile Banking” means each and every product and service we offer that you apply for, use, administer or access (whether accessed through a personal computer or mobile device, the internet, our website, email, messaging services, including text messaging, software applications, or other electronic means), either now or in the future. You may access Electronic Banking through Champion Credit Union's Web site on the Internet at www.championcu.com. For the purpose of this document, “You,” and “Your” shall refer to each member who signs up for Champion Credit Union's Electronic Banking. “We”, “Us”, “Our” and “Credit Union” shall refer to Champion Credit Union. Business days are Monday through Friday, holidays not included. All references to time of day in this Agreement refer to Eastern Standard Time.
 
RELATION TO OTHER AGREEMENTS
Your use of Champion Credit Union's Electronic Banking is subject to the terms and conditions of this Agreement as well as the terms and conditions of any agreement between you and Champion Credit Union that is applicable to the products and/or services accessed through Champion Credit Union's Electronic Banking, which may include various loan agreements. All such agreements may be amended from time-to-time and are incorporated herein by reference.
 
ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES
By enrolling in and using Champion Credit Union's Electronic Banking, you consent to the electronic transmission of all information and records, including your financial information that would otherwise have been given in writing. You also agree that the information or other communication delivered to us electronically is in writing and we may treat it, as appropriate, as containing your signature. Your consent covers all communications relating in any way to any Champion Credit Union product or service. Your consent remains in effect until you give us notice that you are withdrawing it as set forth in the Termination paragraph contained herein.
 
Your consent will be deemed effective for as long as you use Champion Credit Union's Electronic Banking. You may revoke your consent by notifying us as set forth in the Termination section of this Agreement. If you revoke your consent, your right to use Champion Credit Union's website and Champion Credit Union's Electronic Banking will be terminated. If you change your E-mail address, you must let us know by telephoning our Customer Support Center 828-648-1515 or toll-free at 800-204-0596. If you enroll in Champion Credit Union’s Electronic Banking through one of our customer service representatives or using our equipment, your enrollment may not be complete until you take additional steps. We will advise you, at the time of your enrollment, of any additional action that you must take.
 
If you enroll for our e-Statement program, online statements and periodic disclosures will also be delivered electronically. You have the right to terminate your enrollment in our e-Statement service at any time. You may do so by telephoning our Customer Support Center 828-648-1515 or toll-free at 800-204-0596 or mailing a request to: Champion Credit Union's Customer Service, P.O. Box 1389, Canton, NC 28716. The withdrawal of your consent will be processed as soon as possible. Please allow a complete statement cycle for any method of statement delivery change to take effect.
 
Your enrollment in the e-Statement service does not affect any of the terms and conditions otherwise applicable to an account as separately disclosed to you, either in this Agreement, applications and enrollment forms, the applicable personal or business fee schedules, credit or deposit agreements, our Privacy Policy or other written disclosures.
 
OPTION TO RECEIVE PAPER COPIES
You may request a paper copy of your records with Champion Credit Union. If you request a paper copy of a record, you may have to pay a fee for the paper copy, unless charging a fee is prohibited by applicable law. Please refer to the applicable fee schedule for any fee that may apply.

HARDWARE AND SOFTWARE REQUIREMENTS
The computer requirements to use Champion Credit Union's Electronic Banking are as follows: your personal computer, laptop, portable computer, mobile handset, Internet Service Provider web browser, any software, any telecommunications, and any related equipment referred to collectively as your “computer”. You must also have an active email address.
 
You are responsible for the installation, maintenance, operation and costs of your computer. By enrolling in Champion Credit Union's Electronic Banking, you represent that your computer has the capability to receive electronic messages at the E-mail address provided by you, that you can access and retrieve information in electronic form, and that you can either print or store those messages and information. We are not responsible for any computer virus, worm, Trojan horse or other similar harmful component that may enter your computer in connection with the use of Champion Credit Union's Electronic Banking or otherwise.
 
From time-to-time, we may require that you upgrade or install software on your computer. You agree to promptly load any such upgrades or software to your computer upon our notification to you of such upgrade or software.
 
In order to ensure proper operation of Champion Credit Union's Electronic Banking, you must also have an Internet Service Provider (ISP) and a web browser that supports the level of encryption that we use. We may change these encryption requirements from time-to-time. If you cannot or do not want to upgrade, your consent and use of Champion Credit Union's Electronic Banking will be terminated.
 
We reserve the right to perform maintenance on our equipment or system on a regular basis which may result in interrupted service or errors in the use of Champion Credit Union's Electronic Banking. It may be necessary for us to change the scope of Champion Credit Union's Electronic Banking from time-to-time. Furthermore, we reserve the right to block access to Champion Credit Union's Electronic Banking to maintain or restore security to our Web site and systems if we reasonably believe that your User Name and Password have been or may be obtained, or are being used or may be used by an unauthorized person(s). We will attempt to provide prior notice of such interruptions, changes or denials of access, but cannot guarantee that such notice will be provided.
 
If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your electronic record with Champion Credit Union, we will give you notice of the revised hardware or software requirements. Continuing to use Champion Credit Union’s Electronic Banking after receiving notice of the change is reaffirmation of your consent.
 
Champion Credit Union's Electronic Banking uses our proprietary software or the proprietary software of our licensors. If we have provided you with software to use with Champion Credit Union's Electronic Banking, you are being granted a nonexclusive, nontransferable license to use this software and only for your personal, use as provided in this Agreement. You may not disassemble, decompile, copy, modify, reverse engineer, sell, rent, sublicense, time-share or distribute any of the Champion Credit Union's Electronic Banking software or information or allow anyone else to do so.
 
Due to the variety of computer operating systems, hardware configurations and online connectivity, Champion Credit Union may not be able to provide detailed technical assistance with your specific computer. We will make every attempt to assist you; however, we cannot guarantee that we will be able to resolve every issue relating your access to Champion Credit Union's Electronic Banking. There may be situations where you will need to secure technical assistance from a qualified third party at your expense.
 
PRIVACY
Please see Champion Credit Union's Privacy Policy for details regarding the manner in which we collect and use information about you and maintain the confidentiality of your personally identifiable information. Your access or use of Champion Credit Union's Electronic Banking constitutes your agreement to the terms and conditions of our Privacy Policy and our use of information gathered about you in accordance with that policy. Our Privacy Policy may be revised from time-to-time. We may notify you of the changes by mail, E-mail, or by posting a modified Privacy Policy that you can view through Champion Credit Union's Electronic Banking. Your continued use of Champion Credit Union's Electronic Banking following such notification or posting will constitute your acceptance of the revised Privacy Policy. Accordingly, please check regularly for revisions to our Privacy Policy. You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on our website: www.championcu.com.

SUBMISSIONS
Please keep in mind that messages you send to us by Internet E-mail may not be secure. Do not send us any confidential or personal information (including, e.g., account numbers) by Internet E-mail. Champion Credit Union will not be responsible for any damages you may incur if you communicate confidential or personal information to us over the Internet, or if we communicate such information to you, at your request.
 
All information submitted to or received by Champion Credit Union through Champion Credit Union's Web site or otherwise through the Internet (including through E-mail) shall be deemed to be and remain the property of Champion Credit Union.
 
WARRANTIES DISCLAIMER
Champion Credit Union's Electronic Banking is provided “as is” and “as available”. To the maximum extent permitted by law, we expressly disclaim, and you hereby waive all warranties of any kind, either express or implied without limitation, implied warranties or merchantability, fitness for a particular purpose or noninfringement of third party rights. Champion Credit Union's Electronic Banking is not error-free and is not continuously available.
All information and materials contained in Champion Credit Union's Web site, including all terms, conditions and descriptions of products and services, are subject to change without notice. Champion Credit Union and participating suppliers may discontinue or make changes in the information, terms, conditions, products or services described in Champion Credit Union's Web site at any time. Any dated information is published as of its date only, and Champion Credit Union does not undertake any obligation or responsibility to update or amend any such information. Champion Credit Union's Web site may from time-to-time include technical inaccuracies or typographical errors. You may wish to revisit certain pages of Champion Credit Union's Web site from time-to-time to check for updating changes.
Information contained in Champion Credit Union's Web site is not intended to provide any specific legal, accounting, financial, or tax advice for any individual or entity, and should not be relied upon or used for any such purposes.

DAMAGES
In no event shall Champion Credit Union or its Officers, Directors, Employees or Agents be liable to you for any loss including, without limitation loss of data, injury or damages, whether direct, indirect, special, incidental, exemplary or consequential, including lost profits arising out of or related to this Agreement or the subject matter herein even if we have been advised of the possibility of such loss, injury or damages. You agree to hold Champion Credit Union harmless for any such loss, injury or damages. Some jurisdictions do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages, so the above exclusions or limitations may not apply to you.
 
TERMINATION/WITHDRAWAL OF CONSENT
You may terminate your use of Champion Credit Union's Electronic Banking at any time by calling Champion Credit Union's Customer Support Center at 828-648-1515 or toll-free at 800-204-0596. You may also write to Champion Credit Union's Customer Service, P.O. Box 1389, Canton, NC 28716. Your withdrawal of consent will become effective after we have a reasonable opportunity to act upon it. We may terminate your use of Champion Credit Union's Electronic Banking in whole or in part, for any or no reason, at any time without prior notice. If for any reason more than one person is authorized to withdraw funds from your Account or electronically access your Account, we cannot stop that person from using Champion Credit Union's Electronic Banking. If we terminate your use of Champion Credit Union's Electronic Banking, we reserve the right to make no further transfers, payments or transactions from your Account, including any transfers and transactions you have previously authorized. If you do not log in to Champion Credit Union's Electronic Banking for an extended period of time, your service may be considered inactive. We reserve the right to terminate your access to Champion Credit Union's Electronic Banking without notification to you if it has been inactive for 90 consecutive days.
 
GOVERNING LAW
This Agreement is governed by federal law and the substantive laws of the State of North Carolina, without regard to principles of conflict of law or choice of law. If any provision of this Agreement is determined to be void or unenforceable, in whole or in part, by a court having jurisdiction, it shall be severable from all other provisions and shall not affect or impair the validity of any other provisions of this Agreement. Each provision of this Agreement is deemed to be separate and distinct. The captions in this Agreement are for convenience only and are not intended to affect the meaning or interpretation of this Agreement.
 
QUESTIONS?
If you have any questions, or want further information, you may contact Champion Credit Union online through our “Contact Us” page, by 828-648-1515 or toll-free at 800-204-0596, or by writing to Champion Credit Union's Customer Service, P.O. Box 1389, Canton, NC 28716.