I. GENERAL INSTRUCTIONS - FAIRFIELD FEDERAL SAVINGS AND LOAN
Internet Banking and Bill Payment Agreement.

A. Our Services
Our Internet Banking services have two features: General Internet Banking and Internet Bill Payment. General Internet Banking is always included in Our Internet Banking services, but Internet Bill Payment is included only if You elect Internet Bill Payment in Your Internet Banking application that is completed as part of the registration process.

B. General Internet Banking
General Internet Banking can be used to (1) make transfers of funds among Your accounts with Us as long as Your Internet Banking application designates the accounts from which and into which the transfer can be made; (2) obtain available information concerning any of Your accounts and transactions involving any of Your accounts.

C. Internet Bill Payment
Internet Bill Payment can be used by You (1) to give orders to Us to make change or cancel various types of payments from a designated account to designated Payees and (2) to request available information from Us concerning payments from this account made through Internet Bill Payment.

D. Internet Banking Access
In order to use Internet Banking You must have an Internet Service Provider, an e-mail address, and a web browser that supports the level of encryption employed by Us. We may change these requirements from time to time. We recommend that you have a modem or other connection that is at least 28.8 kps or faster to use Our Internet Banking services. We cannot provide Internet Banking services to You unless You have a mailing address in the United States. Internet Banking may be unavailable from time to time for scheduled maintenance. There may also be unscheduled downtime, but We will try to minimize any interruptions in service.

E. Next Steps
To proceed to the Internet Banking registration page, You must indicate that You have read and accepted this Agreement. This can be done only on the last page of this Agreement. You can access and use the Internet Banking services only if You have successfully completed the registration process.

This Agreement contains important information for Your reference. If You accept this Agreement, You should print or save this information for Your records.

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II. INTERNET BANKING SERVICE AGREEMENT

This Agreement between You and Fairfield Federal Savings and Loan Association governs the use of Internet Banking. These services permit Fairfield Federal Savings and Loan Association customers to perform a number of banking functions on accounts linked to the service through the use of a personal computer. This Agreement may be individual or joint.
When You use any of the Internet Banking services described in this Agreement, or authorize others to use them, You agree to the terms and conditions of this entire Agreement.

Your use of Internet Banking services may also be affected by the agreements between You and Us for Your deposit, credit card, debit card, automated teller machine card, and other linked accounts. When You link an account to Internet Banking services, You do not change the agreements You already have with Us for that account. For example, when You use Internet Banking services to access a checking account, You do so under the terms and conditions We gave You in the account agreement and disclosure for the checking account. You should review those agreements for any applicable fees, for limitations on the number of transactions You can make, and for other restrictions that might impact Your use of an account with Internet Banking services.

In this Agreement:

· "You," "Your," and "Yours" mean each person who signs an application for Internet Banking services and who is assigned an Internet Banking User ID and Password by Us. The terms may also refer, as the context requires, to any person whom You have authorized to use Your Internet Banking User ID and Password even though that person has not signed an application for Internet Banking services and has not been assigned an Internet Banking User ID and Password by Us.
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· "We", "Us," "Our" and "Ours" mean Fairfield Federal Savings and Loan Association, Lancaster, Ohio and any agent, independent contractor, designee, or assignee that Fairfield Federal Savings and Loan Association may, in its sole discretion, involve in the provision of Internet Banking.
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· To "enable" Your account(s) means to enable You to obtain information and perform transactions that We make available for Your Qualified Accounts over the Internet by use of a personal computer, modem, or other means of connectivity.
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· "Qualified Account" means any account of Yours with Us that is eligible to be linked to the Internet Banking Service and that You have chosen to link. There are limits to the number of Qualified Accounts to which Our Internet Banking services may apply.
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· "Payee" means a person to which You authorize a bill payment to be made. A Payee can be a individual or a business or other organization.

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III. CHANGING TERMS; TERMINATION AND SUSPENSION

We have the right to terminate this Agreement at any time, including Your access to any of the Internet Banking services, in whole or in part. We will ordinarily send You notice of any termination, but We are not required to do so unless applicable law requires such notice. Once We terminate this Agreement, no further bill payments or transfers will be made. Termination of this Agreement or a service You use does not affect Your payment obligations for services We provided to You before the service was terminated.

We also reserve the right to suspend or terminate Internet Banking services entirely at any time. We will send You notice of any suspension termination as required by applicable law. Once We have suspended or terminated Internet Banking services, no further transactions will be effected by means of those services. Termination or suspension of Internet banking services does not affect Your payment obligations for services We provided to You before the suspension or termination of Internet Banking services was effective.

We have the right to make changes in this Agreement at any time. For example, We may add, delete, change, or amend terms, services, or fees. If You maintain Your Internet Banking services after the effective date of a change, You indicate Your agreement with the change regardless of whether You have had actual notice of that change. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, We will decide what kind of notice (if any) We will give You and the method of providing any such notice.

You may terminate this Agreement at any time by notifying Us in writing in the manner specified in Section XIX B. However any transfers or bill payments You have scheduled will continue until We receive the written notice and have had a reasonable opportunity to cancel Your Internet Banking account.

Unless We have otherwise agreed to do so, We have no obligation to provide notice regarding any action of Ours that is described in this Section to any person whom You have authorized to use Your Internet Banking User ID and Password even though that person has not signed an application for Internet Banking services and has not been assigned an Internet Banking User ID and Password by Us.

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IV. JOINT ACCOUNTS

If any of the accounts to or from which You can perform Internet Banking transactions is joint, each of You is jointly and severally obligated under this Agreement. Each of You to whom We enable an Internet Banking account acting alone may perform transactions, obtain information, terminate this Agreement, allow one or more other persons to access Qualified Accounts if You provide them with Your User ID and Password, or otherwise transact business, take actions or perform under this Agreement. We are not required to obtain the consent of, or notify, any other of You with respect to any such matters.
Each of You individually releases Us from any liability and agrees not to make any claim or bring any action against Us for honoring or allowing any access, actions or transactions where the person performing the access, action or transaction is one of You or is otherwise authorized by You to access Qualified Accounts. Each of You agree to indemnify Us and hold Us harmless from and against any and all liability (including but not limited to attorney fees) arising from any such claims or actions.

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V. CUSTOMER IDENTIFICATION AND PASSWORDS

A. General

To access Our Internet Banking service, You must use a User ID, of Your choice, and a Password. When You apply online and Your application is accepted, We will assign You a initial Password.  You must change the initial Password the first time You access Your account. Keep Your User ID and Password confidential to prevent unauthorized use and loss to Your account(s). Anyone to whom You give Your User ID and Password or other means of access will have full access to Your accounts even if You attempt to limit that person's authority. For reasons of security, We can limit, suspend or cancel the effectiveness of Your User ID or Password at any time without giving You any notice that the such action is going to occur.

B. Agreements About Your User ID and Password

You agree to: 1) keep Your User ID and Password secure and strictly confidential; 2) instruct each person to whom You give Your User ID and Password that he or she is not to disclose it to any unauthorized person; and 3) immediately notify Us and select a new Password if You believe Your User ID or Password may have become known to an unauthorized person.

C. Use of Your Password

You should choose a Password that you can remember easily since Your access to Internet Banking services will be interrupted if You forget Your Password. In addition, an excessive number of attempts to log on using the wrong User ID or Password will result in Your being locked out. If You forget Your Password, You must contact Us to obtain a new Password and it may take several business days before You receive it in the mail. Please contact Us using one of the methods specified in Section XIX B.

D. Things You Can Do To Protect Your Account

· Don't share Your Password with anyone.
· Don't store Your Password in a conspicuous place.
· Exit from the Internet Banking service when You are finished using it.
· Don't leave Your computer while logged on to Internet Banking.
· Use anti-virus software to keep Your computer free of viruses.
· Review and reconcile Your account activity on a regular and timely basis.
· Clear Your web browser's cache on a regular basis in order to remove copies of Web pages that may be stored temporarily on Your system.

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VI. INTERNET BANKING CHECKING ACCOUNT

You must designate a qualified checking account with Us to use for Internet Banking Bill Payment. You may not designate any account that requires more than one signature for withdrawals. You must be an owner of the account or a person who has authority to withdraw from the account.

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VII. DESIGNATING PAYEES FOR BILL PAYMENT SERVICE

You must designate the Payees that You want to be able to pay when You use Our Bill Payment service. You can designate Us as a Payee so that You can conveniently make payments on Your mortgage or any other loans with Us by direct internal transfer. We have the right to refuse to allow You to designate any particular Payee or class of Payees.
You will have to provide Us an account number and address for the Payee so that Your payments can be properly credited. The Payee's account must be with a financial institution in the United States and the Payee's mailing address must be in the United States. If the Payee's account number or mailing address changes, You must provide the correct updated information. We have no responsibility to maintain up to date account numbers and mailing addresses of Your Payees.

Any obligations that You wish to pay through Internet Banking with Bill Payment services must be payable in U.S. dollars.

You cannot use the Bill Payment service to make:

Federal, state, and local tax payments
Court-ordered payments
Payments to settle securities transactions.

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VIII. INTERNET BILL PAYMENT TRANSACTIONS

You, or someone You have authorized by giving them Your User ID and Password can perform the following transactions:

· Make individual payments or authorize recurring payments from the qualified checking account.
· Make individual transfers of funds or authorize recurring transfers of funds between Qualified Accounts.
· Obtain information about Qualified Account.

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IX. WHEN INTERNET BANKING BILL PAYMENT AND TRANSFERS ARE MADE

Internet Banking transfers between accounts at Fairfield Federal Savings and Loan Association are posted to the accounts and effective when the transaction is submitted to Our system for processing. See Section XI regarding Business Days.
Information You obtain from Internet Banking about Your account will not reflect transactions that have not yet been posted to Your account. The balance information shown by Internet Banking for Your account is the available balance.

Payments and transfers can be scheduled in advance for future dates as one time transactions or as recurring transactions at regular weekly, bi-weekly, monthly, quarterly, semi-annual or annual intervals. Payments and transfers can be scheduled from checking accounts. Payments entered in the system will be scheduled and processed the next business day. Payments and transfers scheduled for future dates and payments and transfers scheduled as recurring will be processed on the same business day they are scheduled. Payments and transfers scheduled for future dates and recurring payments and transfers for which any scheduled date falls on a Saturday, Sunday, or bank holiday will be processed the next business day. For Internet Banking, the business days are Monday through Friday, excluding bank holidays.

Payments You make through the Internet Banking service are processed in one of two ways:

ELECTRONIC TRANSMISSION
Bank Check-Payments are made with a bank check to Your designated Payee.

When You enter a payment or transfer request, You enter the date You want the payment or transfer to be processed. The payment amount will be deducted from Your checking account on the processing date. The transfer will also be deducted from the account You designate on the processing date. You should allow at least five (5) business days between the business date You schedule for the payment to be initiated and the payment due date. You must allow sufficient time for the Payee to receive the payment and process it before the actual payment due date. If You do not, You will be fully responsible for all late fees, finance charges, or other action taken by the Payee.

Funds must be available in Your checking account or other designated account on the scheduled payment or transfer processing date.

Transfers can be made for any amount between $0.01 and $9,999.00

Payments can be made for any amount between $10.01 and $9,999.00.

You agree that You will make a withdrawal only when a sufficient balance is available in Your account at the time of withdrawal. If Our records show that You do not have a sufficient balance, the transaction will not be completed. It may happen that more than one transaction is scheduled for the same day regarding Your accounts, including one-time or recurring bill payments and transfers to and from Your accounts. These transactions may occur through Internet Banking, automatic deposit, mail, physical transactions at Our offices, and otherwise. We will in our sole discretion determine the order in which these transactions are processed. You cannot control the order in which these transactions are processed. Therefore, if, at any point in the processing, Your checking or other account does not contain sufficient available funds (including any available overdraft credit) to complete all of these transactions, any one or more of these transactions may not be completed.

We are under no obligation to notify You if We do not complete a bill payment or transfer because there are insufficient funds in the account to process the transaction. In all cases You are responsible for making alternate payment or transfer arrangements or rescheduling the bill payment or transfer through the Internet Banking service.

You cannot cancel a payment or transfer after it has been entered in Internet Banking and the information has been transmitted to Us. You can use Internet Banking to restore an incorrect transfer to Your account.

In order to cancel future dated payments or transfers established through Internet Banking, You must log on to Internet Banking and follow the directions provided on the Bill Payment screen. A help section is provided for questions concerning the cancellation. If the payment or transfer status is shown as "processed", You can no longer cancel the transaction. You can cancel future dated payments or transfers established through Internet Banking ONLY BY USE OF INTERNET BANKING. You may also request to cancel a future payment or transfer by calling US at 866-737-6733 or 800-650-0987 or writing US at the address given in Section XIX B.

We must receive your request three (3) business days or more before the transaction is scheduled for processing. If You call, We may also require You to put Your request in writing and get it to US within fourteen (14) days after You call.

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X. OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS

If We do not complete a payment or transfer in the correct amount or on time, We will pay any late fees or finance charges that You reasonably incurred as a result. However, there are exceptions. We will not be liable:

1. If, through no fault of Ours, You do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed, or if We reverse a payment or transfer because of insufficient funds
2. If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction.
3. If You have not provided correct account and address information and the transaction cannot be completed.
4. If You receive a notice from a Payee that any payment You have made remains unpaid or has not been completed, and You fail to notify Us promptly of the fact.
5. If a Payee does not process Your payment promptly or correctly or otherwise mishandles it.
6. If the money in the account from which a payment or transfer is to be made is subject to a legal process or claim restricting the transaction.
7. If We do not, or a Payee does not, receive funds or notices or other information related to Our Internet Banking services as a result of mail that is lost or delayed due to actions of the US Postal Service or any delivery service not under our control.
8. If circumstances beyond Our control prevent, delay, or alter the transaction, despite reasonable precautions that have been taken by Us.
9. If the payment or transfer would go over the credit limit on Your overdraft line, if applicable.
10. If Your computer system, its modem and/or related operating systems and software are not working properly, including problems caused by the presence of a computer virus, and such failure to work properly is the substantial cause of the failure to complete the transaction.
11. If Your Internet Service Provider is not working properly, including problems caused by the presence of a computer virus and such failure to work properly is the substantial cause of the failure to complete the transaction.
12. If there is any loss, damage or injury resulting from (i) an interruption in Your electrical power or telephone service (ii) the disconnecting of Your telephone line by Your local telephone company or from deficiencies in Your line quality; or (iii) any defect or malfunction of Your computer, modem or telephone line.
13. If You are trying to defraud us.
14. If We are otherwise exempted from liability under applicable laws and regulations.
The above are just some examples where We would not be liable and is not intended to list all such circumstances

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XI. BUSINESS DAYS

Our Internet Banking services are generally available 24 hours a day, 7 days a week. However, We process transactions only on business days. Our business days for Internet Banking are Monday through Friday. Holidays are not included. Bill Payment transactions that are scheduled to be completed on a Saturday, Sunday, or a bank holiday will be processed on the next business day.
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XII. STATEMENTS AND ACCOUNT INFORMATION

Your Internet Banking payments and transfers will be indicated on Your monthly statements. You may also print Your statement and view account information while visiting the Internet Banking site.

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XIII. FEES

We do not charge a set-up or other fee for establishing Internet Banking. There is no charge for Internet access other than the charges normally charged by Your Internet Service Provider.
Bill Payment and transfer fees are free. Fee amounts are subject to change at any time, in accordance with Section III.

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XIV. NO CONTACT BY FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION

No employee of Fairfield Federal Savings and Loan Association or any company affiliated with Fairfield Federal Savings and Loan Association will contact You by email or by telephone requesting Your User ID and Password. If You are contacted by anyone requesting this information, please contact Us immediately. We encourage You to contact Us by telephone at 1-866-737-6733 or 1-800-650-0987.

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XV. PRIVACY AND SECURITY

We do not disclose Your personal financial information to anyone without Your permission, except as permitted or required by law. For additional information, please refer to our Privacy Policy.
Our Internet Banking service is designed to safeguard Your online banking transactions from unauthorized use. In addition to the security provided by Your User ID and Password, Your Internet Banking information is encrypted in transmission and "firewalls" protect the computers that process Your Internet Banking transactions. We also have policies that restrict access to Your account information to those who need it to support you as a customer. Encryption is a method of scrambling Your transaction information, including Your User ID and Password, so that it is very hard for others to read. The information You enter is decrypted (unscrambled) only when it reaches Our Internet Banking system.

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XVI. YOUR LIABILITY

You are liable for all transactions that You make or any person You authorize makes.
We urge You to act with great caution in giving Your User ID and Password to another person and authorizing that person to use it. That person will have full access to Your Qualified Accounts, will be able to obtain information concerning Your Qualified Accounts, and will be able to effect payments and transfers from those accounts as though that person were You, even if You have not authorized that person to do so. We have no way to know whether a person who has Your User ID and Password also has Your authorization to use it.

If You have given someone Your User ID and Password and have authorized that person to use it and you wish to change that authorization You will have to change Your User ID and Password.

If You believe Your Internet Banking User ID and Password have been lost or stolen, and You tell Us within 2 business days after You learn of the loss or theft, You can lose no more than $50.00 if someone used them without Your authority.If You do NOT tell Us within 2 business days after You learn of the theft or loss of Your Internet banking User ID and Password and We prove that We could have stopped someone from using them without Your authority if You had told Us, You could lose as much as $500.00.

Also, if Your statement shows payments or transfers covered by this Agreement that You do not make or authorize, tell Us 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 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 may extend the time periods.

If We complete a payment or transfer that You make or authorize and We subsequently learn that You have insufficient funds for the transaction, You agree that We may reverse the transaction or offset the shortage of funds from any account You have with Us. In any case, You are fully obligated to Us to provide sufficient funds for any payments or transfers You make or authorize.

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XVII. UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR INTERNET BANKING CUSTOMER IDENTIFICATION NAME/NUMBER AND PASSWORD.

If You believe Your Internet banking User ID and Password have been loss or stolen or that someone has used them without Your authorization, call Us immediately at 1-800-650-0987 or 1-740-653-3863 or write to Us at the address specified in Section XIX B.

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XVIII. IN CASE OF ERRORS
OR QUESTIONS ABOUT TRANSACTIONS COVERED BY THIS AGREEMENT

Call Us at 1-800-650-0987 or 1-740-653-3863 or write Us at the address specified in Section XIX B as soon as You can, if You think Your statement is wrong or if You need more information about a transfer or payment covered by this Agreement, which is listed on the statement. You can also contact Us by e-mail at fairfed@fairfieldfederal.com.
We must hear from You no later than 60 days after We sent the FIRST statement on which the problem or error appeared.

1. Tell Us Your name and account number.
2. Describe the error, payment, or transfer You are unsure about, and explain as clearly as You can why You believe it is in error and why You need more information.
3. 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 or by e-mail so that We receive it within 10 business days. We will tell You the results of our investigation within 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 45 days to investigate Your complaint or question. If We decide to do this, We will provisionally 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 complaint or question in writing and We do not receive it within 10 business days, We are not required to provisionally credit Your account.

When the investigation is completed, We will make any necessary or appropriate adjustments to Your account. We will tell You the results within 3 business days after completing our investigation. If We decide that there was no error or the error was different than You described, We will send You a written explanation. You may ask for copies of the documents that We used in our investigation.

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XIX. GENERAL PROVISIONS

A. Changes to a Service

You may request Us at any time to change the processing instructions for any Internet Banking services. We are not obligated to implement any requested changes until We have had a reasonable opportunity to act upon them. In making changes, We are entitled to rely on requests purporting to be from You. For certain changes, We may require that Your requests be in writing, in a form and manner acceptable to Us, or be from an authorized person You designate. In addition, certain requests for changes may be subject to Our approval.

B. Communications

Any written notice or other written communication to be given to Us under the terms of this Agreement may be addressed to Us at:

Fairfield Federal Savings and Loan Association
P.O. Box 728
111 E. Main Street.
Lancaster, OH 43130-0728

Please note other provisions of this Agreement that encourage You to be in contact with Us using more expeditious means in other circumstances or indicate that communication by e-mail will be effective. You can contact Us by e-mail at
fairfed@fairfieldfederal.com.

Any written notice or other written communication to be given to You under the terms of this Agreement will be addressed to You at the applicable address specified on Your Application. Notices are effective upon receipt, except as otherwise provided in this Agreement. You agree that We may electronically monitor and/or record any telephone communications with You as permitted by law. If our records about any such communication are different from Yours, our records will govern.

C. Entire Agreement

Except for any agreement between You and Us concerning any deposit account, loan account or transfer of funds, this Agreement constitutes and represents the entire agreement between You and Us regarding the Internet Banking services that We provide to You and supersedes and extinguishes all prior agreements, understandings, representations, warranties and arrangements of any nature, whether oral or written, between You and Us relating to such services. This Agreement will be controlling in the event of any conflict between it and any other document or written or oral statement. Please note that the Terms & Conditions of Use that govern the use of the general portions of our Website.

This Agreement is not for the benefit of any other person, and no other person has any right under this Agreement against You or Us, and nothing contained in this Agreement creates any agency, fiduciary, joint venture or partnership relationship between You and Us.

D. General Obligations

We are responsible only for performing the Internet Banking Services expressly provided for in this Agreement.

We may contract with one or more outside vendors in providing any of part of the Internet Banking services. The instructions and disclosures provided by any outside vendors are the responsibility of those vendors and not Ours. The vendors may provide these instructions and disclosures to You by postal mail, by e-mail; by text, links or demonstrations on their websites; by telephone or facsimile transmission through service centers; or otherwise. We encourage You to let Us know if You believe that any instruction or disclosure You have received from an outside vendor is inadequate in any way.

You are responsible for maintaining the security of Your data. We are not responsible for Your loss of Your data.

E. Severability, No Waiver

If any provision of this Agreement or the application of any such provision to any person or set of circumstances is determined to be invalid, unlawful, void or unenforceable to any extent, the remainder of this Agreement, and the application of such provision to persons or circumstances other than those as to which it is determined to be invalid, unlawful, void or unenforceable, are not impaired or otherwise affected and continue to be valid and enforceable to the fullest extent permitted by law.

No delay or failure to exercise any right or remedy that We may have under this Agreement will be deemed to be a waiver of such right or remedy. No waiver of a single breach or default under this Agreement is a waiver of any other breach or default. Any waiver under this Agreement must be in writing.

F. Governing Law

This Agreement is governed by and interpreted according to (1) the law of the State of Ohio, without reference to the principles of conflicts of law and of such state and (2) to the extent applicable, U.S. Federal law. Your existing account relationships continue to be governed by and interpreted in the accordance with the law as disclosed in the agreement relating to those accounts.

G. Computer Equipment and Software

The installation, maintenance, operation and use of the computer, related equipment (for example, modem, telephone and other telecommunications equipment) and software You use for Internet Banking services are Your responsibility. EXCEPT AS OTHERWISE SPECIFICALLY PROVIDED IN THIS AGREEMENT, OR TO THE EXTENT APPLICABLE LAW REQUIRES A DIFFERENT STANDARD, WE WILL NOT BE RESPONSIBLE FOR ANY LIABILITY, LOSS, INJURY OR DAMAGE (WHETHER DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE) IN ANY WAY ARISING OUT OF (1) ANY FAILURE OR MALFUNCTION OF, OR ANY COMPROMISE OF DATA SENT TO US USING, ANY TELEPHONE, INTERNET ACCESS OR OTHER SERVICE YOU USE TO CONNECT TO INTERNET BANKING, (2) ANY VIRUS OR SIMILAR PROBLEM RESULTING FROM THE USE OF INTERNET BANKING, OR (C) ANY ERROR IN THE INSTALLATION, MAINTENANCE, OPERATION OR USE, OR ANY CONFIGURATION PROBLEM OR INCOMPATIBILITY, OF SUCH COMPUTER, RELATED EQUIPMENT OR SOFTWARE.

H. Further Limitation of Liabilities; Force Majeure

The limitations on Our liability stated in this Paragraph are in addition to any such limitations stated elsewhere in this Agreement.

We are liable to You only for actual damages incurred as a direct result of Our failure to exercise reasonable care in providing the Internet Banking services. While an outside vendor may be liable for a failure on its part to exercise reasonable care in providing services, in no event will We be responsible for an outside vendor's liability.

In no event will We be liable for any indirect, consequential or punitive loss, damage, cost or expense of any nature (even if advised of the possibility of such loss, damage, cost or expense), including, without limitation, any economic loss or damage, expense and loss of business, profits or revenue, goodwill and anticipated savings, loss of or corruption to Your data, loss of operation time or loss of contracts.

We will not be responsible for the acts or omissions of You or Your agents (including but not limited to the amount, accuracy, timeliness or authorization of any instructions or information from You) or the acts or omissions of any other person or entity, including but not limited to any clearing house association or processor, any U.S. Federal Reserve Bank or Federal Home Loan Bank, any other financial institution or any supplier, and no such person or entity will be deemed our agent.

We will not be liable for, and will be excused from, any failure or delay in performing Our obligations for any Internet Banking service if such failure or delay is caused by circumstances beyond Our control, including any natural disaster (such as
earthquakes or floods), emergency conditions (such as war, riot, fire, theft or labor dispute), legal constraint or governmental action or inaction, breakdown or failure of equipment, breakdown of any supplier, or Your act, omission, negligence or fault.

We also will not be liable for any failure to act on Our part if We reasonably believed that Our action would have violated any law, rule or regulation.

Signature Page

IF YOU WISH TO ACCEPT ALL THE TERMS AND CONDITIONS OF THE AGREEMENT SET FORTH IN THIS SCROLL BOX, PLEASE, CLICK ON THE "I AGREE" FIELD AT THE BOTTOM OF THIS PAGE. BY CLICKING ON THE "I AGREE" FIELD, YOU REPRESENT THAT:

· YOU HAVE THE LEGAL CAPACITY TO ENTER INTO THIS AGREEMENT.
· YOU ARE AUTHORIZED TO LEGALLY SIGN AND BIND YOURSELF TO THIS AGREEMENT
   AFTER YOU HAVE CLICKED ON THE "I AGREE" FIELD YOU WILL BE TAKEN TO THE FIRST    SCREEN OF THE REGISTRATION PROCESS.

The first screen of the registration is the Application. This takes about 10 minutes to complete.

IF YOU DO NOT AGREE TO ALL THE TERMS AND CONDITIONS OF THE AGREEMENT SET FORTH IN THIS SCROLL BOX, PLEASE CLICK ON THE "I DO NOT AGREE" FIELD AT THE BOTTOM OF THE PAGE. IF YOU CLICK ON THE "I DO NOT AGREE" FIELD, YOU WILL NOT BE ABLE TO USE THE INTERNET BANKING SERVICES AND YOU WILL BE RETURNED TO THE HOME PAGE.