Bank of Beaver
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(580) 625-4511

Agreement

Please read the following agreement and click your selection at the bottom of this document

INTERNET BANKING AGREEMENT
ELECTRONIC FUND TRANSFERS

Type of Transfers
You may access your accounts by computer using your personal identification number (PIN) and your customer number to: transfer funds from checking to checking - transfer funds from checking to savings, money market - transfer funds from savings, money market to checking - transfer funds from savings, money market to savings, money market - make payments from checking to loan accounts with us - make payments from savings, money market to loan accounts with us - get information about checking, savings, money market account balances, deposits and withdrawals for the last 60 days, and account balance of certificates of deposit and loans.

Limitations on Frequency of Transfers
Transfers from a savings or money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfers are limited to six per month with no more than three by check, draft, MasterMoney Card point of sale transaction or similar order to third parties. You will be charged for each transaction/transfer as disclosed in the Truth in Savings Agreement.

Periodic Statements
You will get a monthly account statement from us for your checking accounts.
You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month, in any case, you will get a statement at least quarterly.

Your Rights and Liabilities
Security of your transactions are important to us. Use of the Internet Banking services will therefore require a PIN or password. If you lose or forget your PIN or password, please call (580) 625-4511 during normal business hours. We will accept as authentic any instructions given to us through the use of your password or PIN.You agree to keep your PIN and password secret and to notify us immediately if your PIN or Password is lost or stolen or if you believe someone else has discovered your PIN or password. You agree that if you give your PIN or password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Internet Banking services. You may change your password at any time by using TeleWeb. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Internet Banking services; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your PIN or password was used in connection with a particular transaction.

If any unauthorized use of your PIN or password occurs you agree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds.
Notify us immediately if you believe your PIN or password has been lost or stolen. Telephoning, followed by a letter, is the best way to keep your possible losses down. You could lose all of the money in your account (plus your maximum line of credit, if any). If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 . If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN or password, and we can prove we could have stopped someone from using your PIN or password without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any funds you lost after the 60 days if we can prove that we could have prevented someone from taking the funds if you had told us in time. If you believe your PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (580) 625-4511 during normal business hours
Or Write: The Bank of Beaver City
Attn: TeleWeb Department
Box 850
Beaver Ok 73932
For the purpose of these disclosures, our business days are Monday through Friday. Holidays are not included.

WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PINS OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL

Error Resolution Notice
In case of errors or questions about your electronic transfers call us or write us at the number or address listed in this disclosure.

Notify us immediately if you think your statement or receipts are wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error first appeared. You should:
(1) Tell us your name and account number.
(2) Describe 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.
(3) Tell us 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 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the error involves a transaction within the first (30) days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for new accounts or point-of-sale or foreign-initiated transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days for new accounts) 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 10 business days, we may not credit your account.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Confidentiality
We will on occasion DISCLOSE INFORMATION TO THIRD PARTIES about your account or the transfers you make: (1) If you have given us written permission to do so, (2) In order to comply with a Government agency or court order, (3) Where it is necessary for completing the transfer, (4) As necessary to verify the existence and condition of your account to a credit bureau or merchant, (5) as permitted by the federal Right to Financial Privacy Act of 1978 and the Oklahoma Financial Privacy Act and the Federal Fair Credit Reporting Act and other applicable laws and regulations.

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 Internet Banking service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.

Stop Payment Procedures
If you have previously instructed us to make regular payments out of your account, you can stop any of these payments. To stop a payment: Call or write us at the telephone number or address listed above in time for us to receive your request at least 3 business days or more before the payment is scheduled to be made. You may call, but we may still request that you write us within 14 days of the call. Each stop payment order given will result in a charge disclosed on the Schedule of Fees and Charges.

If regular payments you make will vary in amount, the person to whom you are making the payments will notify you at least 10 days in advance of each payment, when it will be made and in what amount. (At your option, you may request this information only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) If we fail to stop a payment or preauthorized transfer and you have notified us 3 business days or more before the transfer is scheduled, we will be liable for your losses or damages.

Other Rules Applying to Internet Banking
All payments and transfers made through the use of your computer or by a preauthorized transfer are subject to proof and verification by the Financial Institution. Payments and transfers made after our cutoff time will be credited the following business day.

We may amend, modify or rescind this Agreement and Disclosures at any time by mailing or delivering written notice of such amendment, modification or rescission to you at least 21 days prior to the effective date of any such change if the change would result in increased fees or charges, increased liability to you, fewer types of available electronic fund transfers, or stricter limitation on the frequency or dollar amount of transfers. We may at our option mail or deliver written notice to you of any amendment, modification or rescission other than those previously described but without the requirement that the notice be mailed or delivered at least 21 days prior to an effective date of any such change. Any amendment, modification or rescission made in this manner shall be binding upon you as though expressly agreed to by you. In the event that a written notice is mailed to you, it shall be mailed to your last known address as shown on our records. Notwithstanding the provision of the paragraph, we may terminate the agreement at any time we terminate your account.

Waivers
No waiver of the terms of this Agreement will be effective, unless in writing and signed by an officer of this bank.

Assignment
You may not transfer or assign your rights or duties under this Agreement.

Governing Law
The laws of the State of Oklahoma shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

Indemnification
Customer, in consideration of being allowed access to the Internet Banking services, agrees to indemnify and hold the Bank harmless for any losses or damages to the Customer resulting from the use of the Internet Banking services, to the extent allowed by applicable law.

The Bank of Beaver City
130 S. Douglas
Beaver OK 73932

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