Hi-Land Credit Union
ACCESS TO INTERNET AGREEMENT

WEB-TELLER AND WEB-TELLER ON-LINE SERVICES
            TERMS AND CONDITIONS

The following terms and conditions apply to Hi-Land Credit Union
(the"Credit Union") WEB-TELLER and WEB-PAYER On-Line
Services:

1.  Applicability.  These terms and conditions apply to access to the
WEB-TELLER On-Line Services, the use of software and
transactions completed through the On-Line Services.  The On-Line
Services is available to members of the Credit Union upon
compliance with any conditions established by the Credit Union. 
The specific transactions shall be subject to the terms of the
Member Agreement applicable to the account on which the
transaction is completed.
2.  Software Rights.  The Credit Union assigns to the Member the
right to use the On-Line Services software.  These rights are limited
to the license rights of the Credit Union and are subject to the terms
of any License Agreement.  This assignment is without warranty
except any assignable warranties of the Software supplier.  The
software rights may not be assigned by the Member.  The rights to
use the software may be rescinded or revoked at any time without
prior notice.
3.  Hardware.  The Member shall provide any necessary computer
equipment and Internet access.  The Member is responsible for
providing all hardware, telephone equipment and operating software
to operate the On-Line Services.  The member is responsible for all
hardware and software maintenance and all telephone expenses.  
4.  Available Transactions.  The transactions which can be
performed, currently and in the future, by the On-Line Services are
the following:
     4.1.  Account balance, and account history.
     4.2.  Loan balances, payment history, payment due date,
payment amount and interest paid inquiries.
     4.3.  Credit card account balances, purchases, cash advance,
payment history, payment due date, payment amount and interest
paid inquiries.
     4.4.  Account transfers between different account suffixes within
the same Member account.  Transfers can be deposit transfers or
payments.
     4.5.  Account transfers between different Member accounts if
such transfers are approved by the Credit Union.
     4.6.  Automated bill paying services.
     4.7.  E-Statements

5.  Responsibility for Transactions.  Transactions can be completed
with the use of the Member's account number and a Personal
Identification Number (PIN).  The Member is responsible for all
transactions on the Member's account.  This responsibility includes
all transactions completed by the Member or by any person,
regardless of age or authority, using the account number and PIN. 
The Member is also responsible for all transactions as transmitted to
the Credit Union.  The Member is responsible for errors in the
amount, payee, payment terms and all other information upon
which transactions are completed.
6.  Waiver of Uniform Commercial Code and Other Law.  The
On-Line Services utilizes advanced electronic technology in lieu of
otherwise existing methods, such as issuance of checks, to complete
transactions.  Any provisions of the Uniform Commercial Code or
other applicable law which are inconsistent with the completion of
transactions by electronic means are waived.  Transmission of the
transactions to the Credit Union constitutes authorization for the
transactions without the need for signatures, verification or other
authorization.  In the event of inconsistency between these terms
and conditions and otherwise applicable law or agreement, these
terms and conditions shall apply.
7.  Receipts and Notices.  The Member shall print any receipts or
other documentation of transactions completed by use of the
On-Line Services.  The Credit Union will not provide receipts or
other transaction documentation.  Transactions will appear on the
Member's account statement.  Account statements shall be deemed
as final and accurate if the Credit Union is not notified of errors
within sixty (60) days of the statement date.
8.  WEB PAYER Home Bill Paying Services.  The On-Line
Services may be capable of providing home bill paying services.  If
WEB PAYER is made available to members, the Member is
responsible for providing all information necessary to complete the
bill paying process.  The Member's account will be charged a fee for
bills paid, as set forth in the Schedule of Rates, Fees and Balances. 
Many payments cannot be made by automated means.  A check
may be prepared.  The Credit Union is not responsible for any
delays in the processing of payments or the acceptability of the
payment by the recipient.  The Credit Union is not responsible for
payments being received on time or by a certain date.  The Credit
Union is not responsible for any fees or charges incurred by the
member.  You must allow 10 calendar days from the time your
scheduled bill is deducted from your account to the time that your
vendor receives your payment.  Funds will be deducted from you
Draft account.
9.  Limited Liability.  The Credit Union's liability is limited to
actual damages incurred by reason of the Credit Union's negligence
or breach of this Agreement.  Any discretionary rights of the Credit
Union are for the Credit Union's purposes and do not create any
duty to the Member.  In no event shall general, consequential,
incidental, punitive or exemplary damages be recovered
10.  Service Availability.  Services shall generally be available 24
hours per day.  Transactions completed after 5:00 p.m.  or on
weekends or holidays will be considered as transactions for the next
business day.  The Credit Union's Funds Availability Policy shall
apply to accounts accessed through the On-Line Services.  The
Credit Union is not responsible for services not being available
because of computer malfunction or maintenance, communication
lines not being available, loss of power or other reasons.  The Credit
Union will, to the extent possible, notify the Member upon
connection to the Credit Union's On-Line Services of the
unavailability of or restrictions on available services.
11.  Fees.  The Credit Union shall establish fees applicable to
transactions completed through the On-Line Services.  These fees
may be changed by the Credit Union at its discretion.  Fees shall be
charged against the Member's checking or shares account at the end
of each month or at the time of service as the Credit Unions
procedure dictates.  Fees shall include, but not be limited to, stop
payment fees, check copy fees and bill payment fees, as set forth in
the Schedule of Rates, Fees and Balances.
12.  Notice to Credit Union.  In the event of errors, questions or
problems with transactions or the use of the On-Line Services, the
Member shall contact the Credit Union by telephone at (801)
451-5064.  The Member may also use the error notification
procedures provided by the On-Line Services.

NOTICE:  IN CASE OF ERRORS OR QUESTIONS ABOUT
YOUR ELECTRONIC TRANSFERS

Telephone us at the number or write us at the address listed on your
periodic statement as soon as you can if you think your statement or
receipt is wrong or if you need more information about the transfer
listed on the statement or receipt.  We must hear from you no later
than sixty (60) days after we send you the FIRST statement on
which the problem or error appeared.

(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about and
explain as clearly as you can why you believe it is an error and why
you need more information.
(3) Tell us the dollar amount of the suspected error.  If you tell us
orally, we 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 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 re-credit
your account within ten (10) business days for the amount you think
is in error, so that you will have use of the money during the time it
takes us to complete our investigation.  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 re-credit your account.  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 document(s) that we used in our
investigation.