NetTeller Online Banking By enrolling in The Henry County Bank's NetTeller Online Banking Service ("NetTeller"), you agree to the addition of the following to the Terms and Conditions for Personal Accounts or Terms and Conditions for Business Accounts (in either case, the "Terms") governing your Accounts. NetTeller allows you to transfer funds and review account activity using a personal computer ("PC"). Please read these additional rules carefully and retain them for your records. We have the right to change the Terms at any time by notice mailed or e-mailed to you at the last address or e-mail address shown for you, as defined below, on our records as provided in the Terms, or as otherwise permitted by law. Definitions "Account(s)" means the deposit, loan and other accounts you have at The Henry County Bank to which you have access through NetTeller. "Business Days" are Monday through Friday, except bank holidays. "You" and "your" refers to the person(s) or entity subscribing to or authorized to use Online Banking; "we", "us", "our", and "bank" refers to The Henry County Bank. NetTeller NetTeller is an electronic banking service available to you through a PC using an access method specified. You may use NetTeller to check the balance in and recent activity of each of your Accounts and to transfer funds between your Eligible Accounts (see transfers). The Accounts to which you may have access through NetTeller are your checking accounts, savings accounts, safe deposit boxes, installment loan accounts, mortgage loan accounts, home equity accounts, line of credit accounts, certificate of deposit accounts, and individual retirement accounts. The number of accounts that you may view if they are NetTeller-enabled, is unlimited. Accounts you open after enrollment in NetTeller may be added at time of opening or at a later time. Access Methods Use Microsoft® Internet Explorer 5.0 (or higher) or Netscape Navigator 5.0 (or higher). The Internet web site for NetTeller is located at http://www.thehenrycountybank.com or such other Internet addresses as we may provide. You must be a subscriber of an Internet Service Provider. Information is not stored on your PC unless you specifically download it to your PC. Adding, Changing and Removing Accounts If at any time you wish to add an Account, or remove an Account, you may notify us at The Henry County Bank (1-419-592-1430) or e-mail us at info@thehenrycountybank.com. Your Logon ID and PIN You will need a NetTeller ID and a NetTeller Personal Identification Number (PIN) to access NetTeller. You will receive your ID and a 4-digit personal identification number ("PIN") in the mail. YOU WILL BE REQUIRED TO CHANGE YOUR PIN AFTER INITIAL LOGON TO A NEW PIN. You can change your ID and PIN on NetTeller at any time. You authorize us to follow any instructions entered through NetTeller using your Logon ID and PIN. Your access to NetTeller will be blocked in the event your Logon ID or PIN is entered incorrectly on three (3) consecutive access attempts. If this occurs, please call The Henry County Bank at 1-419-592-1430. Because your NetTeller ID and PIN can be used to access money in any of your linked Accounts and to access information about any of your linked Accounts, you should treat your NetTeller ID and PIN with the same degree of care and secrecy that you use to protect other sensitive financial data. You agree not to give your NetTeller ID or PIN, or make them available, to any other person. Transfers Transfers may be made between Eligible Accounts. An "Eligible Account" is an Account linked to NetTeller that does not have withdrawal restrictions, such as a certificate of deposit. To schedule a transfer of funds between Eligible Accounts, you must provide the Eligible Accounts from and to which the transfer is to be made and the amount to be transferred. Any attempted transfer which exceeds that available balance in the Eligible Account from which funds are to be transferred will not be made. After you send the transfer instructions, you will receive a confirmation number ("Confirmation Number"). The Confirmation Number will help us resolve any questions you may have concerning a transfer. Timing of Transfers Transfers of available funds may be made any day at any time. Transfers cannot be canceled after the instruction is sent to us as they are processed immediately. Reviewing Transfers NetTeller automatically includes records of past transfers as part of your account activity that can be displayed online. You can also download up to ninety (90) days of account history, including transfers, to your PC. Balance Inquiries You may use NetTeller to check the balances and recent activity of your Accounts. Any balance shown by NetTeller will include a date as of which the balance is current. The balance shown by NetTeller may not be your actual available balance. It may include deposits still subject to verification by us. The balance shown may also differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, or charges, or items in process. Statements All of your transfers made through NetTeller will appear on your monthly Account Statement(s). The transfer amount and date will be reflected for each transfer made through NetTeller. You may view your last three monthly statements online. Check images are not available online. Electronic Mail Messages NetTeller provides you with the ability to send electronic mail messages within the service to communicate confidential information to us. Please remember that electronic mail messages sent through NetTeller may not be immediately received by us. If you need to contact us immediately, please see your rights and liabilities section. Fees NetTeller is available at no charge. This may be amended from time to time in accordance with the Terms. All other fees applicable to your Accounts remain in effect. Equipment We are not responsible for any loss, damage or injury resulting from (a) an interruption in your electrical power or telephone service; (b) disconnection of your telephone service by your local telephone company or from deficiencies in your line quality; or (c) any defect or malfunction of your PC, modem or telephone service. We are not responsible for any products or services relating to your PC, other than those specified herein. We also are not responsible for any damage to your PC, software, modem, telephone or other property resulting from the use of NetTeller including any damage resulting from a virus. Hours of Operation NetTeller is available seven (7) days a week, 24 hours a day, except during maintenance periods or periods during which NetTeller otherwise is not operable. Your Rights and Liabilities Your rights and liabilities regarding losses that occur because your NetTeller ID or PIN is used without your permission, or with respect to errors, are outlined in the section titled "Electronic Funds Transfers" (Transfers). In all other cases, or to expedite notice to us rather than using the number and address specified in the Transfers, and to have your questions answered directly, contact us by one of the following methods: · Call The Henry County Bank at 1-419-592-1430; · Write to us at 122 East Washington Street, P.O. Box 72, Napoleon, Ohio, 43545; · Send electronic mail messages to us from within NetTeller On-Line Banking; · Send e-mail to us via the Internet at info@thehenrycountybank.com. Termination You may terminate your use of NetTeller at any time by: · Call The Henry County Bank at 1-419-592-1430; · Write to us at 122 East Washington Street, P.O. Box 72, Napoleon, Ohio, 43545; · Send electronic mail messages to us from within NetTeller On-Line Banking; · Send e-mail to us via the Internet at info@thehenrycountybank.com. You must notify us at least ten (10) Business Days prior to the date on which you wish to have your enrollment in NetTeller terminated. We may require that your request be in writing. We may terminate at any time your access to NetTeller, in whole or in part, for any reason without prior notice. Your access to NetTeller will be terminated automatically if all your accounts accessed through NetTeller On-Line Banking are closed. Termination will not affect your liability or obligations for transfers we have processed on your behalf. Limitations of Liability Except as otherwise provided herein or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special, or consequential, caused by NetTeller or your use of NetTeller or arising in any way out of the installation, use, or maintenance of Quicken. Acceptance of Agreement and Signature When you click the icon below, it constitutes your written signature and approval of, and agreement to be bound by the terms of this Agreement.