Agreement Disclosure - Online Banking

First National Bank NetTeller Online Internet Banking Agreement and Disclosure Statement

This is the First National Bank’s NetTeller Online Banking Service Agreement and disclosure. Each and all of the depositors are referred to as “you” and “your”. The First National Bank is referred to as “we,” “our,” and “us”. This online banking agreement contains the terms and conditions governing the online banking service. As used in this document, the term “agreement” means this document and the NetTeller Online Banking Application. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. First National Bank may amend or change this agreement and give you notice via regular mail or electronic mail, using the address that appears on your account records.

You acknowledge that you have received, understand and agree to the specific disclosures (Truth In Savings, Funds Availability, Electronic Funds Transfer, Deposit Account Agreement, and Privacy Notice) that apply to each of your accounts with First National Bank. The disclosures were provided to you at the time you opened your accounts with us. The account disclosures continue to apply while this user agreement is in effect, even though they may be or have already been revised.

NetTeller Availability

NetTeller is available 24 hours a day, seven days a week, except scheduled and unscheduled down times which could include system maintenance, system updates, emergencies or circumstances beyond First National Bank’s control.

Fees

There is no fee to use NetTeller. This may be amended from time to time in accordance with the Rules. All other fees applicable to this account remain in effect.

Security

This is a protected web site. It is unlawful to intentionally cause damage to our site or data through the knowing transmission of any program, computer virus, information, code, or command.

Login User ID and Password

To login to NetTeller you must use the identification number we provide for your NetTeller Account, together with a password. Your role is very important in guarding against unauthorized use of your accounts. If you give your Internet banking identification number and password to anyone, they will have full access to your accounts. You agree to keep your identification number and your password confidential and not share it with anyone – not even the bank. We undertake no obligation to monitor transactions through NetTeller to determine that they are made on behalf of the accountholder. You also agree to indemnify and hold harmless First National Bank from any loss, liability and expenses arising out of or in any way connected with such use.

For security purposes, you are required to change your password upon your initial login to NetTeller. You accept responsibility for the confidentiality and security of your password and we encourage you to change your password regularly. Upon three unsuccessful attempts to use your password, your access to NetTeller will be revoked. To re-establish your authorization to use NetTeller you must contact us so we can reset your password and give you a temporary one.

For security, we recommend that you create a password using 4 – 12 characters that utilizes upper and lower case alpha, numeric, and symbols. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children and should be memorized rather than written down. Notice of any unauthorized use or any suspected unauthorized use shall be given by you to the bank as soon as possible by contacting us @ (740) 962-3911.

Adding or Deleting Accounts

You can add or delete any of your bank accounts from this agreement by completing a new enrollment form.

Third Parties

First National Bank has taken reasonable measures to ensure that the information and data it presents on our web site is accurate and current, however, we make no express or implied warranty regarding such information or data which may have been provided by third parties. First National Bank hereby expressly disclaims all legal liability and responsibility to persons or entities that use or access this sight and its content, based on their reliance on any information or data that is available through this web site. If advice is needed, seek the services of a qualified professional.

Reference to any specific product, process, or service listed on the website, is not an endorsement or recommendation by First National Bank.

Web Site Links

Our web site provides links to other web sites for convenience and informational purposes only. Users should be aware that all web sites are not protected. First National Bank is not responsible for the contents or transmissions of any linked site or any link contained in a linked site, or any changes or updates to such sites.

Your Equipment

You must also have a personal computer with compatible Internet browser software. Currently, NetTeller supports the current and prior major releases of Microsoft Internet Explorer – IE, Firefox, Safari – Apple/Mac users only, and Google Chrome. Beta Versions are not supported. You must also have 128-bit encryption.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software and Internet access services necessary for performing NetTeller online services. First National Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware, software, interruptions to your Internet service by your service provider, interruptions in your telephone or electric service, or damages resulting from a virus. First National Bank is not responsible in any way for the installation, use or maintenance of Quicken.

Limitation of Access

First National Bank may terminate NetTeller in whole or in part at any time without prior notice. First National Bank reserves the right to limit or suspend your access to NetTeller at any time. In order to maintain secure communications and reduce fraud you agree to protect the security of your numbers, codes, and other means of identification, including without limitation, your user ID’s, and passwords. We reserve the right to block access to NetTeller to maintain or restore security to our site and systems, if we believe your access codes have been used, or may be used, by unauthorized person (s).

Your Responsibility

Use of your card number and PIN or user ID and password is the agreed security procedure to access NetTeller.

Transfers

You may transfer funds from eligible accounts. HIFI money market and savings account transfers are limited by federal law. See the Electronic Funds Transfer Disclosure.

Statements

Your Internet banking payments and transfers will be indicated on the monthly or quarterly statements we provide or make accessible to you for those accounts accessible through NetTeller. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement information.

Cutoff

All NetTeller banking transactions initiated after the bank’s cutoff time will be posted to the appropriate account on the next business day.

Inactivity

Access to your accounts through NetTeller will automatically be denied if your NetTeller accounts have not been accessed within the last six (6) months.

Damages

The foregoing shall constitute our entire liability and your exclusive remedy. In no event shall we be liable for any loss, injury, or damages, whether direct, indirect, special, incidental, exemplary, or consequential, including lost profits caused by NetTeller or the use thereof, or arising in any way out of the installation, use or maintenance of your personal computer hardware, equipment, software, or any Internet access service.

Electronic Mail Messages

NetTeller provides you with the ability to send electronic mail messages within the service to communicate confidential information to us. Please remember that electronic mail messages is not a secured method of communication and may not be immediately received by us. If you need to contact us immediately call us @ 740-962-3911 or toll free 800-441-3811.

Warranty Disclaimer

The NetTeller online services and related documentation are provided “as is” and we do not make any warranties of any kind, either expressed or implied, concerning the hardware, software, or any part thereof, including without limitation, and warranties of merchantability or fitness for a particular purpose.

Cancellation

First National Bank in its sole discretion may cancel access to NetTeller or any of its services for any individual User ID or for an entire business customer relationship. You may terminate the use of NetTeller at any time by calling First National Bank at 740-962-3911, writing us at PO Box 208 McConnelsville, OH 43756, sending an electronic mail message to us from within NetTeller, or sending an e-mail to us via the internet at www.first-national.com. After notifying us of your wish to cancel you agree to allow us ten (10) days to process your termination request.

Governing Law

This agreement will be governed by and interpreted in accordance with applicable Ohio and federal laws and regulations. State laws and regulations apply unless there is a superceding federal law or regulation.

Acknowledgement

Each account holder signing the online banking application for NetTeller acknowledges receipt of this agreement, and agrees to the terms set forth in this agreement, as amended from time to time.


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