ONLINE BANKING DISCLOSURE/AGREEMENT

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1 ONLINE BANKING DISCLOSURE/AGREEMENT Rev 4/10 YOUR ACCEPTANCE OF THESE TERMS OF USE - ONLINE BANKING ("ONLINE BANKING TERMS") Meridian Bank requires all visitors who access its Online Banking to follow the rules contained in these Terms of Use - Online Banking (hereinafter referred to as "Online Banking Terms"). By entering your Customer Number and password and accessing Online Banking, you communicate your agreement and acceptance of these Online Banking Terms. If you do not agree with and accept these Online Banking Terms, you should not access Online Banking or you should exit Online Banking immediately. ACTIVITIES COVERED BY THESE ONLINE BANKING TERMS These Online Banking Terms cover banking and related services permitted in Online Banking, including without limitation, account access, funds transfers, bill payments and other online banking services offered. These Online Banking Terms are in addition to the terms and conditions described in the Disclosure of Account Terms, Electronic Funds Transfer Disclosure, and any other deposit, loan or credit agreements you have with us, as well as all applicable laws and regulations. You understand that by accessing our Meridian Bank Online Banking Service (Services) you agree to the terms and conditions described in this agreement and acknowledge your receipt and understanding of this Agreement. DESCRIPTION OF ONLINE BANKING SERVICES We provide access to services to you through the Meridian Bank Internet web site, With these services you may obtain deposit and loan balances, review transaction histories, transfer funds between eligible Meridian Bank accounts, make regular loan payments, export to financial software or communicate with us electronically via . FEE SCHEDULE Standard monthly fees for Online Banking are: Personal Services Online Banking FREE Unlimited access and funds transfer Business Services Bill Payment FREE for the first 5 payments $.50 for each additional Online Banking FREE Unlimited access and funds transfer Bill Payment FREE for the first 5 payments $.50 for each additional 1

2 ACCOUNT REQUIREMENTS In order to use our Bill Payment, you must register for Online Banking and you must have a checking account with us. The checking account will be your primary Online Banking Account. If you have more than one checking account with us, you must designate one of them as your primary Online Banking Account. All service fees and bill payments will be deducted from your primary Online Banking Account. You agree to properly maintain any accounts you have with us to comply with the rules governing these accounts, and to pay any fees associated with the use or maintenance of these accounts. ELIGIBLE PAYEES With our Bill Payment you may pay any person or organization with an address in the United States. While payments to most payees can be made using this service, we reserve the right to refuse to make payments to certain payees. We recommend that you do not use the service to pay alimony, child support, tax and other court-directed or government payments, fines or penalties. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. OVERDRAFTS If your primary Online Banking Account balance does not have sufficient collected funds to cover any payment, we may reject, return or stop the payment or we may, at our sole discretion, accept the payment and overdraw your account. You agree to immediately repay any overdraft without notice or demand from us. You agree we have no liability for rejecting, returning or stopping a payment because of insufficient or uncollected funds. Each account owner is jointly and separately responsible for repaying any overdraft created using the Services, regardless of whether that account owner created the overdraft or received benefit from payment of the item overdrawing the account. We may stop allowing overdrafts at any time without prior notice. We may set off funds in the primary Online Banking Account to satisfy the present or future debts of any owner to us, to the fullest extent of the law. PAYMENT AND TRANSFER LIMITATIONS Banking regulations limit the frequency of certain types of transfers and withdrawals, to include online payments and transfers, from savings and money market investment accounts. You may make no more than six (6) preauthorized transfers, automatic, telephonic, online banking services, ACH, third party checks, drafts, debit card or similar order from your money market account per statement cycle. SYSTEM AVAILABILITY AND BUSINESS DAYS Online Banking Services and Bill Payment are accessible 24 hours a day, seven days a week except when the system is down for maintenance or unforeseeable reasons. The Bank s business days are Monday through Friday except for holidays when we are closed. For more information on customer service support call between 9:00 AM and 4:30 PM. Our cut-off time for processing transactions is described elsewhere in this Agreement. 2

3 HOW TO NOTIFY US OF A PROBLEM OR ERROR If you have a problem or notice an error with your service you should do one of the following: Once you have logged on to Online Banking, click the icon that reads, Contact then click on Add Message and the hypertext that reads, "Send Secure Message" and send us an describing your problem or error. Call the Bank at (484) during the hours of 9:00 AM to 4:30 PM, EST, Monday thru Friday. Write to us at Meridian Bank, 16 W. Market Street, West Chester, PA as soon as you identify any problem or error in your statement or transaction records or if you need more information about a transaction listed on your statement or transaction records. We must hear from you no later than sixty (60) days after we have sent you your first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your request or notification in writing within ten (10) business days. When you contact us with your problem or error, please: Provide your name and account number Provide the dollar amount of any problem or error. We will notify you of the results of our investigation within ten (10) business days after receiving your request (20 business days for new accounts), and we will correct any error promptly. We may take up to forty-five (45) calendar days to investigate your problem or question (90 calendar days for new accounts). If we need more time we will re-credit your account within ten (10) business days (20 business days for new accounts), for the amount you think is in error, so that you will have the use of the funds until we complete our investigation. If we notify you that your problem or error request needs to be in writing, and we do not receive your request within ten (10) business days, we do not need to re-credit your account while we complete our investigation. If our investigation determines that there was no error we will send you a written explanation within three (3) business days after we complete our investigation. You may request copies of the documents used in the investigation. Your account is considered a "new account" for thirty (30) calendar days after the account is opened if you have no other deposit relationship with us and you are a new customer. If the problem or error is with our Bill Payment service, call , and provide your social security number, the amount of the bill payment, the payee name, and the payee account number for the payment in question. YOUR RESPONSIBILITIES Notify us at once if you believe any of your accounts have been accessed, your password has been obtained, or electronic transactions have been processed without your permission. Telephoning is the best way to keep possible losses down. You could lose all the money in your account plus available credit on your overdraft line (if you have one). On a personal account, if you tell us within two business days, you can lose no more than $50.00 if someone used your password without your permission. If you do not tell us within two business days after you learn of the loss or theft of your password and if we can prove that we could have stopped someone from using your password without your permission if you had told 3

4 us in time, you could lose as much as $ If a good reason (such as a long trip or hospital stay) keeps you from notifying us, we will extend the time period to a reasonable time. If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed, you risk unlimited losses on transactions made after the 60-day period if we can prove that we could have prevented the unauthorized use had we been notified within this 60-day period. You are responsible for verifying that all online banking transactions done on your account were completed with your authorization. We recommend that you promptly reconcile your account(s) with your monthly statement(s) provided to you by Meridian Bank. OUR RESPONSIBILITIES We, or a third party (Service Provider) acting as our agent are responsible for completing funds transfers and bill payments from your eligible account(s) on time according to your properly entered and transmitted instructions. However, we are not responsible for confirming such information, monitoring or refusing to process duplicate payment instructions. You are responsible for any damages such as late fees that you may incur as a result of a payment. We will not be liable: If, through no fault of our own, you do not have sufficient available funds in your account to make the transfer or bill payment If your account has been closed or frozen If a legal order prohibits us from making any withdrawals from your account If the transfer or bill payment causes your account balance to exceed any credit arrangement you have with us If you, or anyone you allow to use the Services, commit fraud or violate any law or regulation If you have not used the Services properly If any part of the electronic funds transfer system is not working properly If circumstances beyond our control (natural disaster or improper posting by a third party) prevent the funds transfer or bill payment, despite precautions taken by us If you have not provided us with correct instructions, including without limitation the name, address, account number, and payment amount for Bill Payment. There may be other exceptions to our liability as stated in your Account Agreement and Disclosures or other agreements. DISPUTE RESOLUTION Disputes between you and Meridian Bank under this Agreement that relate to any of your accounts are subject to the Dispute Resolution procedures in your Account Agreement and Disclosures. 4

5 CHANGE IN TERMS We may amend this Agreement (including changes in the fees and charges hereunder) by giving notice to you at least 21 days before the effective date of the amendment. Prior notice need not be given where an immediate change in terms or conditions is necessary to maintain or restore the security of the system or account, or otherwise required immediately by law or applicable regulation. However, if such a change is to be made permanent, we are required to provide written notice of the change to you on or with the next regularly scheduled periodic statement or within 30 days, unless disclosure would jeopardize the security of the system or account. TERMINATION You may terminate the Services at any time upon giving notice of the termination to us. We may terminate part or all of the Services without notice, cause or liability to you and without affecting your outstanding obligations under this Agreement. We may also terminate your Services for non-usage or inactivity, or suspicious activity. You may reinstate part or all of the Services by contacting our Customer Service Specialist. DATA RECORDING By enrolling for the Services you agree that we may record information and electronic messages (e.g., ) you send to us via website or the Services. CONFIDENTIALITY Your right to privacy is important to us. See our Privacy Statement. In general, we will not disclose information about your account or the transfers you make except when disclosure is necessary to complete a transfer; when disclosure is requested in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or when disclosure is required to comply with government agency or court orders or is authorized or permitted by law; or when you give us your permission. If you defraud us in any way we may disclose any information we have about you to third parties, including law enforcement authorities. ONLINE BANKING with Customer Login and Password When you enroll for the Services, each customer will have their own Customer Login and Password to access the Services. If you have applied using a paper application, we will establish a password for you and we recommend that you change your password as soon as you gain access to the system. The account owner who completes the Online Banking Access Request is responsible for the security and use of the Customer Login and Password. After we process your enrollment we will send you a letter with instructions on how to access the system. You should establish a password that only you will know using between 6 and 8 characters made up of both letters and numbers. The system is sensitive to lower case and capital letters your login and password should remain lower case. It is important that you keep your password confidential to prevent unauthorized use of the Services. We recommend that you refrain from using such passwords as date of birth or family names that may be easily recognizable. If you forget your password, contact our Customer Service Specialist and we will assist you in selecting a new password. 5

6 Account Balance and Transaction Information You can use our Online Banking Service for viewing account balances, to transfer funds and to receive an account history (on eligible accounts). Your deposit account balances are presented as of the close of the previous business day. Please be aware that pending transactions may impact your loan balance, payoff, and availability. Even though the services provide an online statement, it is not intended to be a permanent record of transactions. The online information provided may not include recent balances or account transactions and may not include funds that are available for immediate withdrawal. Transfers You can transfer funds between eligible accounts. Online transfers may be made 24 hours a day, seven days a week and are reflected in your account balance once your requests are processed. All transfers are subject to available funds and will be deducted from your account after we receive your request(s). Transfers completed before 3:00 p.m., EST will be posted that business day. A confirmation number will be displayed once your request has been submitted. Online Bill Payment Your primary Online Banking Account will be debited for the amount of the payment on the processing date you requested. You may schedule payments to be paid five business days from the current date, on a future date or on the same date each month. Although you can enter payment information 24 hours a day, 7 days a week, payments will only be initiated on business days. Meridian Bank will begin processing your payment four business days before the scheduled payment date. We may remit your payment by electronic funds transfer, or if the vendor does not accept electronic payments, by mailing your payee a corporate check drawn on an account we maintain for this purpose. If payment is made electronically or by check, your account will be debited on the scheduled payment date. You can make the following types of online bill payments with our Bill Payment service: Variable/Single Bill Payment Is a one time payment such as a telephone bill where the amount fluctuates each time, or a payment that is not made regularly such as a florist only used occasionally. Automated Recurring Payments You can use Bill Payment to request that payments that have a fixed frequency and amount be processed on a recurring basis. Once you have sent us the request for a recurring payment your payment will be made automatically by us. If your payment processing date falls on a non-business day, we will process your payment on our preceding business day, excluding holidays. Canceling Online Bill Payment You may enter, edit or delete payments scheduled Monday through Saturday up until 10:00 pm CST the day before the scheduled payment date. If this option is not available, you will need to contact our Customer Service Specialist directly at After payment has been sent, a stop payment may be placed by contacting Customer Service Specialist at Fees may apply for this service. 6

7 Electronic Mail ( ) You may send a message through your Online Banking account through secure messaging. You can use electronic mail ( ) to contact us about inquiries, maintenance and/or problem resolution issues. is not a secure method of communication over the Internet and we recommend you do not send or request confidential information, such as account numbers, by e- mail. If the matter of the inquiry is urgent, please call our Customer Service Specialist. PROCESSING DATE AND PAYMENT PARTNER CUTOFF Online bill payment requests prior to midnight, Central Standard Time and cancellations prior to midnight, Central Standard Time are processed on the business day of receipt. Any online payment or cancellation request received after these times or on Saturdays, Sundays and holidays are deemed received, and will be processed, on our next business day. ONLINE FUNDS TRANSFER CUTOFF TIMES Online Funds Transfers can be requested 24 hours a day, seven days a week. However, transfer requests must be received before 3:00 PM Eastern Standard Time on a business day to be displayed in the account history on the next business day by 9:00 AM Eastern Standard Time. PERIODIC STATEMENT We will continue to mail a monthly account statement for your checking/money market account(s) to you, showing your Online Banking transactions and other activity from your account. There will be a $2.00 charge per paper statement for this service. You my opt to receive an electronic statement to avoid this charge, in which case an alert message will be sent to you notifying you that your electronic statement is available for viewing/download via Online Banking. You are responsible to promptly review your statement for accuracy. SECURITY In order to maintain secure communications and reduce fraud, you agree to protect the security of your account numbers, customer number, password, or other means of identification. We reserve the right to block access to the Services to maintain or restore security to our site and systems if we reasonably believe your password has been or may be obtained or is being used or may be used by unauthorized person(s). NO SIGNATURE REQUIRED When the Services generate items to be charged to your account, you agree that we may debit your primary Online Banking Account or any account of yours on which the item is drawn without requiring your signature on the item and without prior notice to you. AUTHORIZATION TO CHARGE ACCOUNT We may charge any item generated using the Services to any account to which it is directed notwithstanding any signature restrictions or multiple signature requirements under the account agreement. GOVERNING LAW This agreement is governed by the laws of Pennsylvania and applicable Federal law. 7

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