Internet Account Access User Agreement / Electronic Funds Disclosure

Please take the time to familiarize yourself with the terms of service, which include disclosures and limitations of liability. You should keep this notice for future reference.

This agreement and Electronic Funds Transfer Agreement and Disclosure, (collectively, the "Agreement") between you (or the parties you authorize to use our service) and FCN Bank covers the use of Internet Banking, a service provided to you by FCN Bank via the World Wide Web and your personal computer. By accessing this service you understand and accept the terms, conditions and fee(s) associated with the use of this product. This agreement will be governed by the On Line laws and regularities of Indiana and the United States, as amended from time to time.

Terms and Conditions

I understand in order to be eligible for NetTeller that I must be an account holder with FCN Bank. I understand that all account holders have their own User Identification Numbers and Passwords that enable them to use this service. I understand that I am required to change my password upon initial login to NetTeller. I am responsible for the confidentiality and use of my Password. I understand that if I am a joint account holder, I may access those accounts where I am listed as an account holder. Use of this service signifies agreement to the terms and conditions set forth by FCN Bank with the understanding that they may be amended from time to time.

The Bank has the right to revoke this agreement at any time with or without cause or with or without notice. The closeout of an account immediately cancels the funds transfer service associated with that account.

The Bank is hereby authorized to debit or credit the accounts that now stand in the name of our Customer. This is provided that the customer maintains available balances, at all times, to cover all withdrawals according to transactions selected by the customer through use of telephone/PC.

Customer understands that all of the accounts must have the same account holder name on them in order to qualify for the funds transfer service via telephone/PC.

Customer shall at all times, (a) safely keep their P.I.N. and not permit any other person to use it, (b) not disclose the P.I.N. or otherwise make it available to any person, (c) use the P.I.N. as instructed and for purposes authorized by the Bank and not permit any unauthorized use thereof not withstanding any other provisions of these rules and regulations or others disclosed to Customer. If at any time Customer believes their P.I.N. has been compromised, customer shall change it as soon as possible. If Customer forgets his/her P.I.N., customer shall notify the Bank immediately and request the P.I.N. be re-established.

Customer may cancel this Agreement by submitting in writing to Bank.

The term Customer as used herein shall be deemed to include, all parties and their liability shall be joint.

NOTE: CD's and IRA's do not qualify for the Funds Transfer service.

Internet Banking Internet Banking is an electronic banking service provided by FCN Bank to enable our customers to view their current balance, transaction history, payments on loans, make stop payments, receive alert messaging and transfer funds between accounts.

No Signature Required At which time you elect to transfer funds between your pre-authorized FCN Bank accounts, you must authorize us to honor debits drawn against your accounts without presence of your signature.

Account Balance Verification At any time you may log in and check your current balance, items which have been presented for payment against your account (checks, ATM transactions, VISA Check Card purchases and automatic withdrawals), and deposits that have posted. All Balances are subject to deposit verification.

Maintenance Fee We reserve the right to adjust the monthly maintenance fees for the use of the service. Prior to fee changes, we will notify you in writing 30 (thirty) days before all changes go into effect. Your use of the service after the effective date of change confirms your agreement to the changes.

Right of Termination You may cancel your Internet Account Access at any time by writing us at the address listed at the end of this document. We require 10 (ten) day written notice prior to the date you wish to have your services canceled. If you have payments or transfers scheduled within 10 (ten) days and we have not completed your request to cancel service, you will be responsible for the payments or transfers. We may cancel your enrollment in this service at any time due to insufficient funds in one or more of your accounts.

Business Days Monday, Tuesday, Wednesday, Thursday, and Friday except for Federal holidays. The service is generally available 365 (three hundred sixty-five) days a year unless system maintenance or upgrades are necessary. Our daily cut-off is set at 5:30 P.M. (Indiana) Eastern Standard Time. All transactions received after 5:30 P.M. may be posted on the following business day. You will receive a monthly account statement showing your Electronic Funds Transfer debits.

Incomplete Payments Our liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to your request 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 deposit account to make the transfer.
If you have an overdraft line and the transfer would go over the credit limit.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
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.
Balance/Transfer Limitations There are no limits on the number of balance inquiries, or number or dollar amount of transfers you may make via NetTeller in a single day. However, transfers from some types of accounts are restricted by federal law or by our design of the product. Refer to your account agreement for further information regarding these limitations.

Third Party Disclosure We will only disclose information to third parties about your account or the transfers you make when the following apply:

When it was 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 investigations or examinations by our bank regulators; or
If you give us written permission; or
As may be otherwise authorized in other agreements with us.
The information you enter through Internet Banking may be recorded and retained by us.

Reporting Unauthorized Transactions If you feel that an unauthorized transaction has been performed from your pre-authorized account without your permission, contact our Internet Banking Customer Service Representative immediately at (765) 647-4116.

Your Liability for Unauthorized Transfers Tell us AT ONCE if you feel your Internet Account Access has been tampered with or broken, including if your password is lost or stolen. Telephoning is the best way of keeping your losses down; do not use e-mail. You could lose all the money in your accounts plus your maximum line of credit. If you tell us within 2 (two) business days, you can lose no more than $50.00 (fifty dollars). If you do not tell us within 2 (two) business days after you learn of the tampering, and we can prove we could have stopped someone from accessing your accounts without your permission if you had told us, you can lose as much as $500.00 (five hundred dollars). Also, if your statement shows transfers that you did not make, tell us AT ONCE. You should examine your statement promptly upon receipt. If you do not tell us within 60 (sixty) days after the statement was mailed to you, you may not get back any money you lost after the 60 (sixty) days if we can prove 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 you feel your Internet Account Access has been broken call or write to us at the telephone number or address listed at the end of this document.

Error Resolution Notice With respect to your Internet Banking transfers, call or write to us at the telephone number or address listed at the end of this docuement, as soon as you can, if you think your statement is incorrect or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 (sixty) days after we sent you the FIRST statement on which the error or question appeared. Tell us your name and account number (if any).
Describe the error or question 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 (ten) business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 (forty-five) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer), or longer if permitted by law, to investigate your complaint or question. If we decide to do this, we will credit your account within 10 (ten) business days (20 business days if the transfer involved a new account) 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 (ten) business days, we may not credit your account. An account is considered a new account for 30 (thirty) days after the first deposit is made, if you are a new customer.

If we decide that there was no error, we will send you a written explanation within 3 (three) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Fees Internet Banking - There is no monthly service charge in effect at this time.

Damage to Equipment We accept no responsibility for interruption of service due to loss of electric power or lack of telephone service and line quality or PC or modem failure. FCN Bank will not be responsible for any loss or damage to your equipment (computer, software, etc.) resulting directly or indirectly from the use of FCN Bank Internet Banking.

FCN Bank
Internet Banking Department
501 Main Street
PO Box 37
Brookville, IN 47012
(765) 647-4116

"FCN Bank, an independent financial leader, offering fast, reliable and friendly service for all your banking needs."