LEGAL AGREEMENT

FAIRFIELD FEDERAL SAVINGS AND LOAN
INTERNET BANKING AND BILL PAYMENT AGREEMENT

BEFORE YOU CAN USE THE INTERNET BANKING SERVICES OFFERED BY FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION, YOU MUST AGREE TO ALL THE TERMS AND CONDITIONS OF THE FAIRFIELD FEDERAL SAVINGS AND LOAN INTERNET BANKING AND BILL PAYMENT AGREEMENT SET FORTH IN THE SCROLL BOX ON THIS PAGE.

PLEASE READ THE AGREEMENT CAREFULLY.

THE AGREEMENT THAT IS FORMED BETWEEN YOU AND FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION WHEN YOU CLICK ON THE "I AGREE" FIELD AT THE END OF THE AGREEMENT WILL AUTOMATICALLY BE ASSOCIATED WITH THE NAME, DATE AND OTHER INFORMATION YOU ENTER ON A SCREEN IN THE REGISTRATION PROCESS.

THIS REGISTRATION PROCESS CAN BE COMPLETED ONLY AFTER YOU HAVE READ AND AGREED TO THIS AGREEMENT.

THE TERMS OF THE AGREEMENT WERE LAST REVISED ON NOVEMBER 14, 2003. FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION MAY REVISE THESE TERMS AND CONDITIONS AT ANY TIME AND WILL GIVE NOTICE OF ANY MATERIAL CHANGE BY MESSAGE ON THE INTERNET BANKING WELCOME PAGE.

IF YOU WISH TO PROCEED FURTHER, CLICK ON THE "NEXT" LINK BELOW.

IF YOU DO NOT WISH TO PROCEED FURTHER, CLICK ON THE "EXIT" FIELD AT THE BOTTOM OF THE PAGE. DOING SO WILL BYPASS THIS PROCESS AND RETURN YOU TO THE HOME PAGE.

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