Online Enrollment Agreement

Jefferson Security Bank Online Banking Agreement This Agreement governs your use of the online banking and other financial service functions which are now available or will be available in the future. Definitions (a) "We", "us", "our" "Bank" and "JSB" mean Jefferson Security Bank (b) "You", "your" and "yours" means each person who has an interest in an account or other relationship which is accessible through the Services and any person authorized to use a Service (c) “Service(s)” refers to collectively, any or all of the Bank’s Online Banking Services, which allows you to access Account and transaction information and transfer funds between your accounts on a personal computer or smart device. (d) "Business Day" or "Business Days" shall mean Monday through Friday. Federal Reserve holidays are not included. Accepting This Agreement Use of any of the Services by you, or others you have authorized, constitutes your acceptance of the terms and conditions of this Agreement. Your use of a Service will also be subject to the terms or instructions appearing at the time you use a Service (the "Online Instructions"). Eligible Accounts Access to the Services requires that you have at least one eligible account with us that, according to our records, is identified with your Social Security Number or Tax Identification Number. That account, and all other existing and future eligible accounts identified with your Social Security Number or Tax Identification Number, will be automatically linked together to form your Online Banking relationship with us. Accounts that, in addition to your Social Security Number, have other Social Security Numbers identified with them (for example, joint checking accounts) will still qualify to be linked if you, acting alone, are authorized to access those accounts. Eligible Accounts include: checking, savings, loan accounts, IRAs, CD's and safe deposit boxes. Accessibility of eligible accounts may vary based on the Service(s) you use. Each person on a joint eligible account will be liable for all transactions that are made on that account. Each person on a joint eligible account authorizes all transactions made by any other person on such account. Each person on an eligible joint account agrees to be liable for the actions of the other person(s) on the account. Eligible accounts linked to the Service will continue to be subject to the agreements from account opening. You should refer to those agreements and any applicable disclosures for any restrictions, fees or other terms and conditions relating to the use of such accounts which may affect use of the Service. This Agreement will control if there are any irreconcilable conflicts between the terms of those agreements and this Agreement. Your Computer & Software To access the Services, you must have a personal computer or smart device with access to the Internet ("Equipment") and a supported software product that allows you to browse the Internet through an Internet Service Provider (the "Software"). It is your responsibility to maintain, at your expense, your Equipment, Software and access to the Internet. We are not responsible for errors or failures from any malfunction of your Equipment or Software or for any computer virus that may affect your Equipment or Software that may result, directly or indirectly, from your use of the Services. We reserve the right to update, terminate or discontinue supporting any Software or Equipment without written notice to you. Your User ID and Password You will be assigned your personal User ID consisting of 12 numeric characters and a Password which you will use to obtain access to your Account(s). During your initial login, you will be required to change your password, which must consist of 6-12 alpha-numeric characters. If you request Combined Services, you will use one User ID and password to access both your commercial and consumer accounts. You authorize us to follow any instructions entered through the Service using your User ID and Password. Because your User ID and Password can be used to access money in your Account(s) and to access information about these Account(s), you should treat your User ID and Password with the same degree of care and secrecy that you use to protect your ATM Security code and other sensitive financial data. We will ask you to change your Password every 90 days for security reasons. You agree not to use any language that is abusive, harassing, libelous, defamatory, obscene or threatening when defining your User ID or any other personalization of your Account(s). Sharing Your User ID and Password with Others You agree not to give or make available your User ID, Password or account number(s) to any person who is not authorized to access your Account(s). If someone to whom you have granted authority to use your User ID and Password exceeds such authority, you are fully liable for all transfers and payments made by such person until you have notified us that you have terminated the authority granted to such person and have given us a reasonable period of time to act upon such notice. We may require that you put such notice in writing. Upon receipt of such notice, we may require you to immediately change your User ID and Password, and to identify the person or persons you believe to have exceeded such authority. You agree to cooperate with us in the investigation and prosecution of any person who has obtained and used your User ID and Password without your authorization. Available Services In addition to the Services described in this Agreement, new Services and functions may be added or modified from time to time. Any new or modified Services, features or functions will be posted on the Bank’s website or through the Online Banking Service. (a) Funds Transfers - Any transfer of funds from a deposit account is subject to the funds being available for withdrawal from that deposit account when the transfer is to be made. Also, federal regulations limit the number of preauthorized electronic fund transfers and telephone transfers from money market deposit and savings accounts (see applicable account agreement). Each transfer or payment through the Service from these types of accounts is counted as one of the limited transfers you are permitted for each month. (b) Account Balance and Transaction History - After you have enrolled, you can use this Service to obtain balance and transaction history on all eligible accounts. Any information on the balance of any of your eligible accounts obtained by using the Services will generally, but not necessarily, be as of the close of business on the most recent business day ending before the day we receive the request for the information. Transaction history will be available on any transaction posted to an eligible account up to 90 days before the day an inquiry is made. (c)Digital Payments - Either during your enrollment or after you have enrolled in online banking, you may enroll in the Digital Payment Service. (d) Online Account and Check Images - You may use this Image Service to view checks online and account statements for certain eligible accounts. (f) Data Export Service - You may export account information for use with your personal financial management software (e.g., Quicken®) ("PFM Software") or other spreadsheet software (e.g., Microsoft Excel® or Lotus 1.2.3®) for up to 90 days of history. Statements In addition to receiving information about your eligible accounts through the Services, you will receive periodic statements for your eligible account(s) with the regularity provided for the relevant account agreements (including any account disclosure statements which govern your deposit accounts with us). In addition to reflecting your other account activity, your statements will include any transfers or Digital Payments completed through the Services. (g) Electronic Mail - External e-mail sent over the Internet is not a secure method to send messages to us. We have, therefore, provided secure e-mail forms after you have signed onto the Services with your User ID and the Password for you to communicate with us (internal e-mail). Only this internal e-mail should be used by you to communicate any matters to us about the Services. If any internal e-mail you send is received by us between 7:00 a.m. and 3:00 p.m. on any business day, we will review the internal e-mail that business day. If we receive the internal e-mail on any business day after 3:00 p.m. or on a Saturday, Sunday or federal holiday, we will review the internal e-mail on the next business day. Please note that we will not have to take any action based on any internal e-mail sent to us until we receive it and have a reasonable time to act. In any event, we strongly recommend that you do not use internal e-mail to communicate URGENT information (for example, a report of a lost or stolen card or a report of an unauthorized transaction involving a deposit or credit account) or matters unrelated to the Services. Authorization You authorize us or our agent to take, on your behalf, any action necessary to complete any transaction initiated through the Services. This authority includes, without limitation, the withdrawal of funds from any of your accounts or obtaining of a draw under any of your loan accounts effective as though you had signed a check or withdrawal form to make the withdrawal or signed a direct loan check to obtain the draw. Limitation of Liability Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury or damage whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, use or maintenance of the Financial Software, even if we have been advised of the possibility of such damages or losses. There is no guarantee that access to the Service will be available at all times and we shall not be liable if you are unable to access the Services. We are not responsible for any loss, damage or injury resulting from an interruption in your electrical power or telephone; the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality, the failure or unavailability of Internet access; problems with Internet Service Providers, any defect or malfunction of your PC, modem, telephone line or other electronic devices. We are not responsible for any services relating to your PC other than those specified in this Agreement. JSB makes no warranty, express or implied, to you concerning the Service, the Financial Software, equipment, browser or other services including, but not limited to, any warranty of merchantability or fitness for particular purpose or non-infringement of third-party rights, unless disclaiming such warranty is prohibited by law. Cancellation You can cancel the Services at any time by notifying us in writing or calling us. The cancellation will not take effect until we receive the notice and have a reasonable time to act on it. We may suspend all or any one of the Services without notice to you if you do not access or process any transactions for the Services for any three (3) month period. We may cancel all of the Services without notice to you if you do not access or process any transactions for the services for a consecutive 6 month period. Notices and Change of Address Any notice we send you concerning this Agreement or the Services may be sent to you at your current mailing address shown in our records. If your mailing address changes, you must promptly notify us in person, in writing or by phone of the new address. Changes to your mailing address cannot be done via external e-mail. Entire Agreement This Agreement constitutes the complete and exclusive agreement related to the Service, and supplements the Software License Agreements, the Bank Services Agreement, and any other agreement or disclosure related to your Accounts. Waivers: No delay or omission by us in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by us. Assignment You may not assign this Agreement to any other party. We may assign this Agreement or delegate any or all of our rights and responsibilities under this Agreement to any third parties. Governing Law This Agreement shall be governed by and construed in accordance with the laws of the State of West Virginia, without regard to its conflict of law provisions and, to the extent required, under federal law. Amendments We may amend this Agreement from time to time by giving you written or electronic notice. Notice may be included in your Account statement. The notice may state that there has been a change in this Agreement and that changes have been posted on our web site, or may instruct you to call to request a copy. Continued use of the Service following notice of amendment constitutes acceptance of any amendments to this Agreement. Severability If any provision of this Agreement is determined to be void or invalid, the remainder of this Agreement shall remain in full force and effect. ELECTRONIC FUNDS TRANSFERS Confidentiality Subject to applicable law, we will disclose information to third parties about you and your Accounts or the transfers you make: (i) where it is necessary for completing transfers; (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; (iii) in order to comply with government agency or court orders or if you give us permission; (iv) as stated in the JSB Privacy Policy; and (v) as otherwise required or permitted by law or government regulation. Your Liability (Applicable to Consumers Only) Tell us at once if you believe your User ID and Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account plus your maximum overdraft line of credit. Contact in Event of Unauthorized Transfer If you believe your User ID and Password has been lost or stolen, or that someone to whom you have granted authority to use your User ID and Password has exceeded such authority, or that someone has transferred or may transfer money from your Account(s) without your permission, call (304) 876-9000 or notify us in writing at the following address: Jefferson Security Bank Bookkeeping Department P.O. Box 35 Shepherdstown, WV 25443 Bank Liability for Transfers (Applicable to Consumers Only) 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 or damages. This liability is in addition to the payment guarantee for bill payments. However, there are some exceptions. We will not be liable in the following instances: (i) If, through no fault of ours, you do not have enough money in your Account to make the transfer or payment; (ii) if the transfer or payment would go over the credit limit on your overdraft line; (iii) the funds in your Account are subject to legal process or other encumbrance restricting such transfer; (iv) if the Service, your PC, modem or other electronic device is not working properly and you know about the malfunction when you started the transfer; (v)circumstances beyond our control prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances, including, but not limited to: fire, flood, interruption in your electrical power or telephone, the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality, or any defect or malfunction of your PC, operating software, modem, telephone line or other electronic device; or (vi) if you have not properly followed the instructions for using the Service or the Financial Software. Error Resolution Notice (Applicable to Consumers Only) In case of errors or questions about your Electronic Transfers telephone us at (304) 876-9000 or notify us in writing at the following address: Jefferson Security Bank Bookkeeping Department P.O. Box 35 Shepherdstown, WV 25443. When contacting the Bank regarding an error, please be prepared to communicate the following information: (i)Your name and social security number or tax identification number; (ii)the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and (iii) 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 ten (10) Business Days. We will tell you the results of our investigation within ten (10) Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error, so that you will have 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 ten (10) Business Days, we may not credit your Account. If we conclude that there was no error, we will send you a written explanation within three (3) Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. By accepting this agreement and continuing with the Service, you agree to the above terms and conditions.