Consumer ebanking Account and Services Agreement

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1 Cnsumer ebanking Accunt and Services Agreement Intrductin: As used in this agreement, the wrds yu and yur refer t the accunt hlder(s) and the wrds Bank, us, and we refer t CnnectOne Bank. Cnsumer ebanking: Yu must have at least ne CnnectOne Bank accunt t enrll in Cnsumer ebanking ( CeB ). There are n service charges fr use f this service. Bill Paying Service: Yu must be enrlled in CeB t have access t the bill paying service. Additinal merchants may be added at any time. There is n mnthly service charge fr use f this service. Please refer t ur schedule f fees fr infrmatin regarding miscellaneus charges that may apply. Credentials: Fr access t CeB, yu must enter a User Id and Passwrd, which yu will be prmpted fr at the time f enrllment. Yu will nt be required t change yur passwrd nce established. The security f yur passwrd and/r ther access cdes is yur respnsibility. Therefre, althugh the Bank will nt require yu t peridically change yur passwrd and/r ther access cdes, nline security best practices suggest that users shuld change their passwrd peridically t avid that passwrd being discvered and used by third parties. Under this agreement, we are entitled t accept and carry ut any instructins entered int the system using yur passwrd and ther access cdes. Please remember that Bank emplyees will never ask yu fr yur passwrd. Yu understand that yur User ID and Passwrd is yur electrnic signature. It identifies yu t us and authenticates and validates the directin given just as yur actual signature.

2 Yu agree t maintain the cnfidentiality f yur User ID and Passwrd. Yu authrize the Bank t hnr any transfer requests and prvide accunt infrmatin t anyne wh prvides the crrect User ID and PIN. Furthermre, yu agree t prmptly ntify the Bank if an unauthrized persn has btained yur User ID and/r Passwrd, r if unauthrized transfers r errrs appear n yur accunt statement. Yu agree that yur liability t the Bank fr any and all transfers t and frm yur accunt(s), whether authrized r unauthrized, as well as yur liability fr failure t reprt unauthrized transfers r accunt errrs is limited nly by the prvisins f the Electrnic Funds Transfer Act. Security: Yu understand the imprtance f yur rle in preventing misuse f yur accunt(s) and yu agree t prmptly examine yur paper r electrnic statement fr each f yur accunts as sn as yu receive it. Please refer t the Cnsumer Depsit Accunt Agreement fr additinal details. The Cnsumer Depsit Accunt Agreement shall gvern shuld there be any cnflict between this Agreement and the Cnsumer Depsit Accunt Agreement. Yu agree t prtect the cnfidentiality f yur accunt, accunt number, and all persnal infrmatin, including yur scial security number and driver's license number. Yu understand that any persnal infrmatin by itself, r tgether with infrmatin related t yur accunt, may allw unauthrized access t yur accunt. Any f the credentials fr access and/r use f CeB prducts and services, alng with any ther authenticatin prcesses, are intended t prvide security against unauthrized entry and access t yur accunts. Yur credentials are nt meant t be shared. Yu agree t maintain the cnfidentiality f yur credentials, including, but nt limited t, yur User ID and passwrd. If yu prvide smene, r if smene btains yur User ID passwrd r any ther credential t access r use CeB prducts and services, yu are authrizing that persn t use CeB prducts and services n yur behalf, and yu are respnsible fr all transactins perfrmed under any such credential. The Bank utilizes a secure server that supprts 128-bit encryptin t ensure that yur persnal infrmatin is safely transmitted ver the internet. There are Firewalls installed t prevent unauthrized access f cnfidential infrmatin. There is als an autmatic lckut feature which will autmatically lck ut an attempt t access accunt infrmatin after three failed lgn attempts. In additin, the system will autmatically

3 timeut if yur sessin activity remains idle fr a perid f twenty minutes. Please read ur Privacy Plicy fr additinal steps that we take t prtect yur persnal infrmatin. Yur credentials, including, but nt limited t, yur User ID and passwrd identifies yu and authenticates and validates the instructins given t the Bank as if they were given t us by yu in persn. Yu agree that CnnectOne Bank is authrized t act n any instructin received under any f yur credentials (User ID, passwrd, etc.), whether used alne r with any ther credential r authrizatin prcesses. This includes yur authrizatin that we hnr any transfer requests and prvide accunt infrmatin t anyne wh prvides the prper credential(s). Yu agree that yu are slely liable and respnsible fr any transactin that is perfrmed using any f yur credentials (i.euser ID, passwrd, PIN, etc.), including thse transactins yu authrized r did nt authrize, including thse that yu did nt intend r want perfrmed. Yu agree that yu are liable fr each and every transactin that is initiated using any f yur credentials regardless f whether such use was initiated fraudulently r therwise. We undertake n bligatin t mnitr transactins thrugh r n CeB t determine that they are made n yur behalf. Accunt Access: If yu have enrlled in CeB, yu may access any f yur accunts with us fr the purpse f reviewing transactins r btaining balance infrmatin. Fr persnal accunts nly, yu may access any checking, savings, r mney market accunt fr the purpse f transferring funds and making lan payments. Yu may nt transfer funds t r frm an IRA r Certificate f Depsit. If yu have enrlled in CeB Bill Paying Service, yu may access the checking accunt that yu have authrized the Bank t use t pay bills fr yu. Limitatin n Frequency f Transfers: Yu may access yur accunts and make transfers at any time. Althugh there are n restrictins n the number f transfers yu may make frm yur checking and interest bearing checking accunts, Federal Regulatins limit the number f transfers which may be made frm a mney market r savings accunt t anther accunt r third party by preauthrized, autmatic r telephnic (including data transmissin) transfer t six per

4 mnth. Transfers made thrugh CeB frm a mney market r savings accunt cunt twards these limitatins. Please refer t yur depsit accunt disclsure fr additinal infrmatin. Limitatins n Dllar Amunt f Transfers: Yu may transfer up t the available balance in yur accunt. Prcessing f Transfers: Transfers prcessed prir t 9:00 PM EST Mnday thrugh Friday, excluding hlidays, will be psted n the same day. Transfers made after 9:00 PM EST Mnday thrugh Friday, excluding hlidays, may nt be psted until the next business day. Transfers made n the weekend r hliday will be psted n the next business day. Telephne instructins t make a transfer cannt be canceled after the system has accepted them. Stp Payments: Yu may place a stp payment, utilizing CeB, n any check that yu have written. If yu d, yu agree t the fllwing terms and cnditins: The infrmatin n the stp payment must precisely identify the check number, the payee and the amunt f the check. If yu d nt give exact infrmatin, the Bank assumes n respnsibility fr stpping payment. The stp payment must be received in time t give us a reasnable time t act upn it. Stp payments received befre 3:00 p.m. n Mnday thrugh Friday, excluding legal hlidays are prcessed n the day received. Stp payments received after 3:00 p.m. r n a weekend r legal hliday may nt be prcessed until the next business day. A stp payment must be received befre the check has been presented fr payment. The stp payment rder is effective fr six mnths unless renewed thrugh CeB r in writing befre the expiratin f six mnths. If the stp payment rder is nt renewed befre the expiratin f six mnths, it will autmatically terminate and the Bank is free t pay the check. In such an instance, yu hereby agree t release and d waive any and all claims against the Bank with respect t the stp payment rder r the check itself and yu further agree t indemnify and hld the

5 Bank harmless with regard t any and all claims invlving the stp payment rder and/r check, which includes the Bank s reasnable attrney fees and csts. Yu understand that there may be claims r demands made against the Bank as a result f yur request t the Bank. Yu agree that yu will defend the Bank and will be respnsible t the Bank if any claim r demand f whatever nature, is made against the Bank with respect t a stp payment rder and/r the check itself. Yu agree t indemnify and defend the Bank and t reimburse the Bank fr any reasnable csts, expenses r attrney s fees that the Bank may incur in defending itself against any such claims r demands. Yu understand that the Bank will use all reasnable effrts t cmply with a stp payment rder. Hwever, yu understand fully that unless the check number, the payee and the amunt f the check are crrectly entered n the stp payment rder, the Bank assumes n respnsibility fr stpping payment and is nt liable t yu if a stp payment cannt be accmplished. Yu agree t pay a stp payment fee, as nted in CnnectOne Bank s Miscellaneus Bank Fees and Charges, fr each new stp payment and fr each renewal f a stp payment entered thrugh CeB. E-Statement: Yu must cntact the Bank t stp payment n autmatic debits prcessed by the Autmated Clearing Huse (ACH), as this request requires additinal dcumentatin t be cmpleted. Fr each accunt that yu have specified the Online delivery methd, a paper cpy f the statement will n lnger be prduced. When yu change an accunt statement delivery methd frm Online t Paper yu will lse access t any statements previusly delivered nline. Yu may want t save yur nline statement befre making this change. CnnectOne Bank s External Transfer Service fr Online Banking Custmers Within Online Banking, yu have the ptin f participating in CnnectOne Bank s External Transfer Service which allws yu t transfer funds between yur linked persnal depsit accunts at CnnectOne Bank and certain depsit accunts wned by yu at ther financial institutins using an accunt number and financial institutin identifier. An inbund transfer mves funds int an accunt yu wn at CnnectOne Bank frm an accunt yu wn utside CnnectOne Bank. An utbund transfer mves

6 funds frm an accunt yu wn at CnnectOne Bank t an accunt utside CnnectOne Bank that is wned by yu. Yu must be enrlled in Online Banking t use CnnectOne Bank s External Transfer Service. Yu will need t prvide certain identifying infrmatin abut each nn- CnnectOne Bank accunt in rder t register that accunt fr this service. Fr inbund transfers, yu agree that yu will nly attempt t register nn-cnnectone Bank persnal accunts that yu wn r fr which yu have the authrity t transfer funds. Based n a pre-ntificatin prcess, transfers may take up t 3 business days t prcess. Funds will be debited frm yur CnnectOne Bank accunt n the business day yu direct us t initiate prcessing f the transfer, and typically will be credited t the receiving accunt n the next business day after the transfer is initiated. Als, external transfers will be subject t the fllwing limits: Per Item: $3, Daily Limit: $3, Special rules apply t Remittance Transfers, including, but nt limited t, disclsures, cancellatin and refund rights and errr reslutin rights. See Electrnic Funds Transfer Agreement fr details. Sme f the abve services may nt be available fr certain accunts, custmers, r if yu access Online Banking thrugh Mbile Banking Apps r Mbile Web. CnnectOne Bank cannt guarantee the timely delivery r return f funds as a result f the failure f anther financial institutin t act in a timely manner. Yu agree that yu will have sufficient available funds in the designated depsit accunt t cver all utbund transfers n the date scheduled. If an accunt des nt have sufficient funds available n the scheduled transfer date, the transfer will nt be made. Fr ther depsit accunts, if the accunt des nt have sufficient available funds n the scheduled date, we may elect nt t initiate ne r mre f the transfers. If we d elect t initiate the transfer, it may cause an verdraft in yur accunt in which case yu shall be liable fr the verdraft and any verdraft fees and interest theren, as set frth in yur Depsit Agreement. If we d elect t initiate the transfer, yu agree t pay all related fees as disclsed in yur Depsit Agreement. Peple Pay: Yu (the accunt hlder fr all accunts subject t this addendum) are currently a CeB custmer f CnnectOne Bank (the Bank r us ). As such, yu are party t the Bank s Cnsumer ebanking Accunt and Service Agreement (the Agreement ). Yu have nw

7 als elected t utilize the Bank s Peple Pay payment system ( Peple Pay ). Yur use f Peple Pay will be gverned by the Agreement and this Addendum. Persn t Persn Payments (Peple Pay) Peple Pay is an ptinal persn t persn payment system which allws yu t send and receive mney nline in a fast and safe manner. This is a netime payment feature and cannt be used fr setting up recurring payments. T be eligible fr this service, yu must have a checking r NOW accunt that has been pen fr at least 30 days and has nt had mre than 6 verdrafts. Yu must als have at least ne accunt which is a participant in the Bank s CeB prgram, and subject t the Agreement. "Cntacts" are individuals that yu have created in the Peple Pay system t whm yu will send mney. Yu agree t prvide crrect cntact infrmatin such as cntact name, accunt infrmatin, address, mbile phne number and payment amunt. The current payment ptins are: depsiting int an accunt and sending an with pickup instructins t the recipient. Payment Methds Depsit t Bank Accunt: This payment allws the sender t send the payment directly t the cntact's accunt via ACH. The payment will be debited frm yur funding accunt in real time and will be credited t the cntact's accunt within 1-3 days after the payment is sent. Yu must knw the cntact's bank ruting number and accunt numbers t use this payment methd. Send t r mbile Phne Number: This payment methd allws the cntact t decide hw t receive the mney. The cntact will receive an r text message with instructins fr hw t claim the payment. The payment will nt be debited frm yur funding accunt until the payment is claimed. Once the payment is claimed it will be credited t the cntact's accunt within 1-3 days.

8 The payment will expire if it remains unclaimed fr 10 days. The sender des nt have access t the accunt infrmatin prvided. Payment Limits Type f Payment Transactin Limit Daily Limit Depsit t bank accunt $750.00* $1,500.00* Send t $750.00* $1,500.00* Mbile phne number $750.00* $1,500.00* PayPal $ $ *If the receiver is nt registered with CnnectOne Bank s Peple Pay, the transactin limit will be $250 with a $500 daily limit. Cutff Time Payments can be initiated 24 hurs a day, 7 days a week. The cutff time fr Peple Pay payments is 8:00 PM CST. Payments sent n nn-prcessing days, such as weekends r Federal Hlidays will be prcessed n the next business day. The Bank is nt respnsible fr payment delays due t recipient claiming funds r recipient entering wrng accunt infrmatin when claiming a payment. We may disclse infrmatin t third parties abut yur accunt r the funds yu send r receive: As necessary t cmplete transactins; As necessary in cnnectin with ffering Peple Pay; In cnnectin with the investigatin f any claim related t yur accunt r the funds yu send r receive; T cmply with gvernment agency r curt rders; In accrdance with yur written permissin; and As therwise permitted by the terms f ur privacy ntice. The Agreement

9 Yur use f Peple Pay is subject t all f the terms and cnditins f the Agreement. In the event f any cnflict between the terms f this Addendum and the terms f the Agreement, the terms f this Addendum will gvern yur use f Peple Pay. Miscellaneus: Terminatin: Regulatins: We reserve the right t temprarily suspend this service at any time withut prir warning. Our liability fr failing t make a transfer under this Agreement is specifically limited by the Electrnic Fund Transfer Act, as well as all ther applicable Federal and State laws. The prvisins f this Act are utlined in yur Electrnic Funds Transfer Disclsure. This agreement will remain in effect until yu r the Bank terminates it. A terminatin by yu will nt be effective until the Bank has received frm yu a signed written ntice f the terminatin and has had reasnable time t act upn it. If there is n activity n yur CeB service fr a perid f 180 days, the Bank will terminate yur service. If we d this, yu will be required t re-enrll in CeB. Transfers made in accrdance with this Agreement, and all rights and liabilities f bth yu and the Bank, are subject t the prvisins f the Electrnic Fund Transfer Act r Fair Credit Reprting Act. Yu were prvided with a cpy f the Electrnic Fund Transfers Disclsure when yu pened yur accunt. Yu shuld review this disclsure prir t perfrming transfers thrugh CeB and Bill Pay Service as it gives general infrmatin utlining yur rights and respnsibilities fr these transactins. Amendments: The Bank reserves the right t change any terms r fee disclsed in this agreement upn twenty-ne days written ntice t yu. Cntinuing Effect: This agreement shall be gverned by and cnstrued and enfrced in accrdance with the laws f the State f New Jersey. In the event any prvisin f this agreement

10 cnflicts with state r federal law r is held t be invalid by a curt, the remainder f the agreement will cntinue t be valid. Authrizatin and Acknwledgement: By electrnically cnsenting t this agreement, yu authrize the Bank t prvide accunt infrmatin, transfer funds between yur accunts, make CnnectOne Bank lan payments frm yur depsit accunts with us, place stp payments n checks yu have written and prvide paid check images, in accrdance with the prvisins f this agreement. If yu chse t enrll in Bill Paying Service, yu authrize CnnectOne Bank t charge yur accunt(s) fr any applicable miscellaneus service charges. By accessing CeB, yu accept the terms and cnditins f this agreement. By submitting this Agreement, yu acknwledge that yu have read, understand, and accept the terms and cnditins f this agreement, a cpy f which has been given t yu. Yu certify that all infrmatin prvided is accurate.

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