Online Banking Security

THE HONESDALE NATIONAL BANK NET TELLER INTERNET BANKING AGREEMENT

This Agreement describes your rights and obligations as a user of the Home Banking Service, as well as the rights and obligations of The Honesdale National Bank. Please read this Agreement carefully. By requesting and using this service, you agree to comply with this Agreement.

THE FOLLOWING DEFINITIONS APPLY IN THE AGREEMENT 1. “Net Teller” - The Honesdale National Bank Internet Banking Service 2. “Home Banking” is the Internet-based service providing access to your HNB Account(s). 3. “Home Banking Account” is an HNB account from which you will be conducting transactions using an Internet-based Service. 4. “PASSWORD” is for use during the initial sign-on, or the PASSWORD you select after the initial sign-on, that establishes your connection to the Service. 5. “Time of Day” references are to Eastern Standard Time or Eastern Daylight Time as applicable. 6. “We” refers to The Honesdale National Bank which offers and provides the services.

ACCESS TO SERVICES
We will provide instructions on how to use our Net Teller Internet Banking Service. You will gain access to your Account(s) through the use of your Internet-enabled device, your Internet Service Provider (ISP), your Net Teller ID# and Password.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN
If your PASSWORD has been lost or stolen, call us immediately at (570) 253-3355 or 800.HNB.9515 from 8:30 A.M. to 4:00 P.M. Monday through Friday, excluding holidays. If you believe your PASSWORD has been lost or stolen and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your PASSWORD without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PASSWORD and we can prove we could have stopped someone from using your PASSWORD without your permission had you told us, you could lose as much as $500.

BANKING TRANSACTIONS WITH NET TELLER HOME BANKING
In addition to viewing account information, you may use NET TELLER Home Banking to transfer funds between your NET TELLER account(s), make loan payments, stop payments, and order checks. Refer to Electronic Funds Transfers (EFT) disclosure for certain restrictions regarding transfers. New services may be introduced for NET TELLER Internet Banking from time to time. By using these services when they become available, you agree to be bound by the rules which will be made available to you concerning these services.

HOURS OF OPERATION
The services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, our business days are Monday through Friday, excluding holidays. All NET TELLER Internet Banking transaction requests received after 6:00 P.M. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which we are closed, will be processed on the next business day. Business day begins at 8:30 A.M.

MODIFICATIONS TO THIS AGREEMENT
We may modify the terms and conditions applicable to services from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records and the revised terms and conditions shall be effective at the earliest date allowed by law. We reserve the right to terminate this Agreement and your use of the services in whole or in part at any time without prior notice.

STATEMENTS
You will continue to receive your regular account statement monthly. You may choose to receive an electronic version using eDocs.

DISCLOSURE OF INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:
When it is necessary for completing transfers
In order to verify the existence and condition of your account for a third Party, such as a credit bureau or merchant
In order to comply with government or court orders, or other reporting requirements
If you give us your written permission

INACTIVITY AND TERMINATION
You are responsible for complying with this Agreement and with the terms of the Agreement governing deposit or loan accounts which you access using electronic banking services. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not comply with the Agreement governing your deposit or loan accounts or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services.

If you are not paying a monthly service charge for the service, we may convert your account to inactive status if you do not sign on to the service or have any transaction scheduled through the service during any consecutive 90 day period. If your account is considered inactive, you must contact us to have the service activated before you will be able to schedule any transaction through the service.

To cancel the NET TELLER Home Banking Service, you must notify us in writing stating you are discontinuing NET TELLER Home Banking and provide your name, address, and the effective date to stop the service. You may notify us by one of the following methods:
By sending an Email by using the Email feature on your Net Teller page By sending us an Email using the Secure Email Feature on The Honesdale National Bank’s “Contact Us” Webpage By writing a letter and delivering it to a Customer Service Representative or Branch Manager at any HNB Office, or
By mailing a letter to us at: The Honesdale National Bank, P. O. Box 350, Honesdale, PA 18431.

GOVERNING LAW
This Agreement is governed by the laws of the Commonwealth of Pennsylvania and applicable federal law.

FEE SCHEDULE Fees for The Honesdale National Bank
Continuous Overdraft Fee, $5.00 per day
Overdraft Fee, per item – Checking & Savings: $35.00 per item
Stop Payment Fee: $30.00 per item
Telephone Transfer Fee: $3.00 per transfer