Internet Banking Agreement

Contents

Terms and Conditions for Consumers and Non-Consumers

Introduction

Other Agreements

Using Online Banking

Enrollment and Usage

Your Responsibility When User ID, Password and Authentication Device are Used

Data Protection

Services

Posting of Transfers

Stop Payment

System Bill Payment

Overdrafts

Business Days

Contact in Event of Unauthorized Transfers

Limitations on Transfers

Confidentiality

Additional Disclosures

Communications Between the Bank and You

Contacting Bank via e-Mail

Periodic Statements

Consent to Electronic Delivery of Notices

Disclaimer of Warranty and Limitation of Liability

Severability

Headings

Waiver

Assignment

Entire Agreement

Change in Terms

Termination

Governing Law

License and Intellectual Property

Terms and Conditions for Consumers Only

Liability for Unauthorized Use

Error Resolution

Preauthorized Payments

Financial Institution's Liability

Fees and Charges

Terms and Conditions for Non-Consumers Only

Services

Bill Payment

Cash Concentration

Positive Pay

Special Reports

Multi-Bank Reporting

Remote Deposit

Wire Transfer

Automated Clearing House

Responsibility for Administrators

Responsibility for Access Codes and Instructions in Your Name

Obligations to Review Security Procedures

Security Interests in Accounts and Settlement Reserve

Company's Representations and Warranties

Liability, Limitation of Liability and Indemnification

Fees and Charges

Authorized Signatures

Corporate Certification

Internet Banking Enrollment Form

ACH File Transmission Letter

This form template is also included in the purchase price of the Internet Banking Policy Template.

This form template (approximately 37 pages in Arial Font Size 8 text) is available to purchase from Bankpolicies.com in Microsoft® Word format for a flat fee of $100.00, and you can receive your order via e-mail attachment or on CD-ROM for large volume orders.

Click here to request a sample of this product.

Placing an Order

Placing an order with Bankpolicies.com is convenient. Send an e-mail addressed to service@bankpolicies.com. Be sure to include:

• The name of your organization.

• A contact name and title.

• Your mailing and billing address.

• Your telephone and fax numbers.

Please ensure your SPAM filter is set to allow an e-mail originating from our Bankpolicies.com domain address to successfully arrive in your e-mailbox.

Bankpolicies.com promptly follows-up on all requests and welcomes the opportunity to serve you.

NOTE: $25.00 Minimum Order. Click here for important news regarding payment terms and our return policy. Orders placed by international or non-financial institution clients must be pre-paid via credit card by visiting the Banker Store of BankersOnline.com where our products are also offered. Specifically, this product is located here.

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