Online Banking Agreement

This agreement states that the terms and conditions that apply when you use First National Bank of Palmerton Online banking (FNB Online) service at www.fnbpalmerton.com.  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.  You are also required to follow all of our instructions and procedures applicable to the services covered by this agreement.

Password and access - For security purposes, you will be required to change your Password the first time you enter FNB Online.  You determine what Password you will use and the identity of your password is not known by us.  You agree that we are authorized to act on instructions received by your Password.  You accept responsibility for the confidentiality and security of your Password and hold us harmless from unauthorized use.  Upon three (3) unsuccessful attempts to use your Password and/or ID, your access to FNB Online will be revoked.  To re-establish your authorization to use FNB Online you must contact us to have your Password reset or to obtain a new temporary Password.

Your Password must be at least 6 characters and we recommend that you use both upper and lower case alpha and numeric characters for security.  To safeguard your Password, do not choose common information such as family birth date, names of children, parts of your social security number or a repetitive number (9999).  You are responsible for all transactions that you or any authorized users makes.

There are no limits on the number of times you can access the system each day.

Ownership - You agree that the provisions of joint account ownership apply to FNB Online Banking services if the account (s) being accessed is jointly owned and agree that each owner authorizes the other to use the First National Bank of Palmerton Online banking service.

Business Days - Our Online Banking services are generally available 24 hours a day 7 days a week, although some or all FNB Online services may not be available due to emergency or scheduled system maintenance.  We process transactions and update information on business days.  Our business days are Monday through Friday.  Transfers made after 6:00 PM will be processed on the next business day.  Holidays are not included.

Limits On Internet Banking Transactions - You must have enough available money or credit in any account from which you instruct us to make a payment or transfer.  If any of your qualifying accounts are money market or savings accounts, certain types of withdrawals from those accounts, including payments and transfers are limited.  Your limits are disclosed in your applicable deposit agreement and disclosure for those accounts.  You also agree to the "Terms and Conditions of our Account Agreements", that you received when you opened your deposit account. 

Customer Support Hours of Operation - For Online Banking and Bill Pay, the hours of operation are Monday through Friday from 9:00 am to 5:00pm.  Although bill payment transactions will only be processed on business days, you can access bill pay 24 hours a day, seven days a week, except during any scheduled maintenance periods.  Business days for bill payment transactions are defined as Monday through Friday, except bank holidays.  All bill pay transactions made after 1:00pm EST are processed on the following business day.

Statements - Your FNB Online payments and transfers will be indicated on your monthly statements.  You agree to notify us if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.

Unauthorized Transaction - If you believe that your Online Banking ID or Password has been lost, stolen, forgotten, or may have been used without your permission, call us immediately during normal business hours. Telephoning us is the best way to minimize your losses.

Stop Payment Requests - You may initiate stop payment requests through FNB Online only for paper checks you have written on you BANK account.  FNB Online stop payment requests are processed when actually received by us in proper form.  The stop payment must precisely identify the name of the payee, the check number, the amount and date of the check.

If you make your stop payment request online or by telephone, we may also require you to put your request in the form of paper writing and get it to us within 14 days after you call.  You will incur stop payment charges as disclosed in the current fee schedule.

Your Responsibility - You are responsible for all transactions and bill payments you authorize using the services.  If you permit other persons, or other entities to use the service or your access codes, you are responsible for any transactions they authorize from your linked eligible deposit accounts.  You should notify us immediately if you believe any of your accounts have been accessed or your access codes have been taken or used without your permission.  Telephoning us right away will help you reduce possible losses.

Our Responsibility - We, or a third party acting as our agent, are responsible for completing fund transfers and bill payments from your account (s) on time and according to your properly entered and transmitted instructions.  If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses and damage.  However, neither we, or the service provider will be liable:

• If you do not have adequate money in a deposit account to complete a transaction from the account, or if that account has been closed;

• If you have not properly followed Software or Bill Pay service instructions on how to make a transfer or bill payment;

• If you have not given complete, correct and current instructions so that a transfer or bill payment can be made;

• If you do not authorize a bill payment soon enough for your payment to be made and properly credited by the payees by the time it is due;

• If you request a payment amount that exceeds the minimum or maximum dollar limit for an individual payment;

• If a timely bill payment is made by the payee nevertheless does not credit your payment promptly after receipt;

• If withdrawals from any Eligible accounts have been prohibited by a court order such as a garnishment or other legal process;

• If we or our agent reasonably believes that a transaction is not completed;

• If your equipment and/or the software were not working properly and this problem should have been apparent to you when you attempted to authorize a transfer or bill payment:

• If circumstances beyond our or our agents control prevent making a transfer or payment, despite reasonable precautions that we have taken.  Such circumstances include but are not limited to computer failure, telecommunication outages, postal strikes and other labor unrest, delays caused by payees, fires floods, and other natural disasters.  There may be other exceptions to our liability as stated in your Depositor Agreement, CAP or brokerage agreements.

Password And Security - You agree not to give or make available your Internet Password to any unauthorized individuals.  If you believe that your Password has been lost or stolen or that someone may attempt to use the Service without your consent, or had transferred money without your  permission, you must notify the Bank at once by calling or writing to us at the address listed on The Electronic Funds Transfers Disclosure.

Liability for Failure to Make Transfers - If we do not complete a transfer to or from you account on time or in the correct amount according to our Agreement with you, we will be liable for you losses or damages.  However, there are some exceptions to this liability.  For instance, we will not be liable in the following circumstances:

1. If through no fault of ours, you do not have enough funds in your account to make the transfer or the transfer would exceed the credit limit on any overdraft line associated with the account;

2. The equipment or software used by the Bank to provide the Service was not working properly and you knew or was advised by the Bank about the malfunction before you executed the transaction;

3. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction despite the reasonable precautions we have taken;

4. You have reported your Password as lost or stolen;

5. Your service has been canceled;

6. If the funds in your account are unavailable because of garnishment, levy or other hold requirements imposed on us by law or by a government agency or court orders;

Alterations and Amendments - The terms of this Agreement, applicable fees and service charges may be altered or amended by the Bank from time to time.  In such event, the Bank will post amended terms or conditions on the Frequently Asked Questions screen on the Web Site.  Any use of the service after the Bank posts the change will constitute your agreement to such change (s).  Further, the Bank may from time to time revise or update the programs and/or related material, which may render all such program versions obsolete.  Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the service, and/or related material and limit access to the Bank's more recent revisions and updates of the service.

Indemnification - Customer agrees to indemnify (reimburse for all losses and damages incurred) and hold harmless The First National Bank of Palmerton from any and all claims, actions, causes of action, damages, losses and other expenses resulting from the Customer furnishing to Another person, or entity (individually and collectively, a "third person), other than the First National Bank of Palmerton and its employees, account information, account identification number (s), social security number, account ID, Passwords of Customer and the third party uses the information to transfer funds from the accounts or for any other purposes not expressly authorized by this application.

Disputes - In the event of a dispute regarding the service, you and the Bank agree to resolve the dispute by looking to this Agreement.  You agree that this Agreement is the complete and exclusive statement for the agreement between you and the Bank which supercedes any prior agreement, oral or written, and any other communications between you and the Bank relating to the subject matter of this agreement, except to the extent that this Agreement may be subsequently modified by the Bank posting additional terms and conditions on the Web Site as described under the Alterations and Amendments section of this Agreement above.  If there is a conflict between what a Bank employee says and the terms of this Agreement, the terms of this Agreement shall control.

No Waiver - The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank.  No delay or omission on the part of the Bank in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights and remedies.  A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Fees and Charges - There is no service fee for Online Banking and transfers.  If you sign up for Bill Payment the service fees are:

          Monthly Fee - $5.00 per month for up to 10 bill payments

          Per Bill Fee - $.35 per bill for each bill over 10

The stop payment fee is $25.00

Governing Law - This Agreement shall be governed by and construed in accordance with the laws of the State of Pennsylvania, without regards to its conflicts of law provisions.

I have read and accept the terms of this Agreement.