Electronic Funds Transfer Agreement and Disclosure
Internet Banking
What You Can Do.   Internet Banking may be used to:

      • View account summaries and transaction histories.
      • Make withdrawals from your checking and savings accounts.
      • Transfer funds between your checking and savings accounts, between non-related accounts whenever you request.
      • Make recurring loan payments.
      • Make stop payments request.
      • View and print out e-statements.
      • Some other options, such as Bill Pay, may be
        available depending on your Bank.

Transfer Limitations

      • None.

Customer Liability.   Notify the Bank AT ONCE if you believe your Internet Banking
access has been compromised. Telephoning is the best way of keeping your possible losses down.  You could
lose all the money in your account (plus your maximum overdraft line of credit).  If you notify us within
2 business days after you learn of the unauthorized access, you can lose no more that $50 if someone accessed
your account without permission.  If you do NOT tell us within 2 business days and we can prove we could have
stopped someone from accessing your account without your permission if you had told us, you could lose as
much as $500. You will also need to contact us if your personal information changes, such as address, telephone number, e-mail, etc.

Also, if your statement shows transfers that you did note make, tell the Bank at once.  If you do
not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after
the 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 (such as a long trip or a hospital stay) kept you from telling us, we will extend the time

If you believe an unauthorized person has accessed your account and that person has transferred or may transfer
money from your account without your permission, call or write the Bank.  Contact information is available
the website.

Account Information Confidentiality.   We will disclose information to third parties about your account or the transfers you make:

      • Where it is necessary for completing transfers, or
      • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
      • In order to comply with government agency or court orders, or
      • If you give us your written permission.

Business Days

      • See the website for the Bank’s business

Bank Liability.   If we do not complete a transfer to or from your account on the 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:

      • If, through no fault of ours, you do not have enough money in your account to make the transfer.
      • If the transfer would go over the credit limit on your overdraft line.
      • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
      • There may be other exceptions stated in our agreement with you.

Error Resolution.  In case of errors or questions about your
electronic transfers, telephone or write the Bank as soon as you can,
if you think your statement or receipt is wrong or if you need more
information about a transfer listed on the statement or receipt. We must hear
from you no later than 60 days after we sent the first statement on which the
problem or error appeared.

      • Tell us your name and account number (if any).
      • Describe the error or the transfer you are unsure about, and explain as clearly as you can
        why you believe it is an error or why you need more information.
      • Tell us the dollar amount of the suspected error.  If you tell us orally, we may require
        that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 days after we hear from you and will correct any
error promptly.  If we need more time, however, we may take up to 45 days to investigate your compliant
or question. If we decide to do this, we will credit your account within 10 business days for the amount you
think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your compliant or question in writing and we do not receive it within 10 business
days, we may not credit your account.

For errors involving new accounts, point of sale, or foreign-initiated transactions, we may take up to 90 days to
investigate your complaint or question.  For new accounts, we may take up to 20 business days to credit your
account for the amount you think is in error.  We will tell you the results within three business days after
completing our investigation.  If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.

Hardware and Software requirements
In order to access, view, and retain electronic Communications that we make available to you, you
must have:
• Sufficient electronic storage capacity on your computer’s hard drive or other
data storage unit;
• An e-mail account with an Internet service provider and e-mail software in order to participate
in our electronic Communications programs;
• A personal computer (for PC’s: Pentium 120 Hhz or higher; for Macintosh,
Power Mac 9500, Power PC 604 processor 120-MHz Base or higher), operating system and
telecommunications connections to the Internet capable of receiving, accessing, displaying, and
either printing or storing Communications received from us in electronic form via a plain text­
formatted e-mail or by access to our web site using one of the browsers specified below.
• Adobe Reader version 8.0 or higher
• Windows 2000 or later version running either Internet Explorer version 6.0 or higher or Firefox
version 3.0 or higher, or Macintosh OSX 10.2 or higher
running Safari web browser.