Disclosures

The following definitions apply in this Agreement:

1. "Authorized Representative" refers to a person with authority (with respect to the account);
2. "Bill Payment" is the online service that enables the scheduling of bill payments using a personal computer;
3. "ISP" refers to your Internet Service Provider;
4. "Online Banking" is the internet-based service providing access to your Bank account(s);
5. "Online Account" means the Bank account from which you will be conducting transactions using a Service;
6. "Password" is the customer-generated code selected by you for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service;
7. "PC" means your personal computer which enables you, with the Internet browser and ISP, to access your Online Account;
8. "Time of day" references are to Standard Time;
9. "User ID" is the Bank-generated identification code assigned to you for your connection to the Service;
10. "We", "us", or "Bank" refer to Bank Name which offers the Services and which holds the accounts accessed by the Services; and
11. "You" or "your" refers to the owner of the account or the authorized representative.

• The Bank will provide instructions on how to use the Online Banking and Bill payment Services. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP, your Password and your User ID. You may access your Online Accounts 24 hours a day, seven (7) days a week. However, availability of the Services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.
• For purposes of transactions, the Bank's business days are Monday through Friday, excluding holidays and weekends. All Online Banking transaction requests received after 3:00 p.m. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. The Bank's business day begins at 9:00 a.m.

• Account Access. You may access an unlimited amount of accounts. One of these accounts must be a primary checking account. Once you have selected your primary account you may select other accounts including other checking, savings, certificates of deposit or loan accounts.
• Transfer of Funds. In addition to viewing account information, you may use Online Banking to conduct the transfer of funds. You may make one-time transfers or schedule future or recurring transfers such as transfers to make loan payments. You may transfer funds among your checking accounts, savings accounts and money market accounts.
  NOTE: Because regulations require the Bank to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:
  • Savings accounts. You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by telephone or Online Banking.
  • Tiered Rate Money Market, Alliance Money Market & Money Market Key accounts. You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by telephone or Online Banking and no more than three (3) of these may be by check, draft or debit card. Please note: If there are not sufficient funds in the account, we cannot complete this transfer. However, future recurring transfers will not be impacted.
• Additional Services. New services may be introduced for Online Banking from time to time. The Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

• You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

• You are responsible for keeping your password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:
  • Do not give out your account information, Password, or User ID;
  • Do not leave your PC unattended while you are in the Bank's Online Banking Site;
  • Never leave your account information within range of others; and
  • Do not send privileged account information (account number, Password, etc.) in any public or general
    e-mail system.
• If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Bank immediately at 620-548-2323 between the hours of 9:00 a.m. to 3:30 p.m., Monday through Friday. Telephoning the Bank is the best way of minimizing your losses and liability. (See; Section 12)
• If you believe your Password has been lost or stolen, please use the Password change feature within the Online Banking section of the Web site to change your Password.

• If you send the Bank an e-mail message, the Bank will be deemed to have received it on the following business day. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.
• Note: E-mail transmissions outside of the Online Banking site are not secure. We advise you not to send us or ask for sensitive information such as account numbers, Password, account information, etc. via any general or public e-mail system. If you wish to contact us electronically, please use the hsbsupport@havilandstatebank.com link provided in our Online Banking site. Use this secure form to e-mail the Bank regarding inquiries about an electronic funds transfer error resolution, reporting unauthorized transactions, or contacting the Bank regarding other concerns of a confidential nature.

1. Description of Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Funding Account to third parties you wish to pay. Your Funding Account must be a primary checking account. Through the Bill Payment Service, you can pay bills from your Funding Account to businesses or individuals.
   
   All payments you make will be deducted from the checking account that you designate as your Funding Account for the Bill Payment Service. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
2. Scheduling Payments. Funds must be available in your Funding Account on the scheduled date processing date. If the date you schedule processing to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Funding Account the following business day (e.g. Monday). After funds are withdrawn from your Funding Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.
3. No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Bank will not be liable in any way for damages you incur for any of the following reasons: The Bank shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In all cases, you are responsible for either contacting the Service at 1-800-421-3013 to either make alternate arrangements for the payment or reschedule the payment through the Service. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected.
   • insufficient funds in your Bill Payment Account to make the payment on the processing date;
   • delays in mail delivery;
   • changes to the payee's address or account number unless we've been advised of the change in advance;
   • the failure of any payee to correctly account for or credit the  payment in a timely manner, or
   • any other circumstances beyond the control of the Bank
4. Cancel of Change Payment Instructions. Payments must be changed or canceled using the Service prior to 9:30 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by the Bank, you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order.
5. No Signature Required. When any payment or other online Service generates items to be charged to your account, you agree that we may debit your Funding Account without requiring your signature on the item and without prior notice to you.
6. Multiple Person Bill Payment Accounts. If more than one person has access to a Funding account, each person with access will share the same password. Any person with access to the Funding Account may terminate the enrollment in the Bill Payment service.

• All accounts with the Bank that you enroll in a service will be linked by the tax identification numbers of the persons authorized to access the account. The linked accounts will appear together without regard to the ownership of the accounts. For example, if an authorized user of a linked account accesses the Service, that authorized user will be able to view and access at a single time the following accounts:
  • the accounts of the business for which that person is an authorized user;
  • the accounts of any other business for which that person is an authorized user; and
  • any consumer accounts for which the person is a co-owner or authorized signer.

• If you are a business, any authorized user of your business is authorized on such terms, conditions, and agreements as we may require to:
  • enter into this Agreement, as amended from time to time;
  • access each account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and
  • use any Online banking service in any manner and for any purpose available through the Service, whether now available or available at some time in the future.

• Term. This Agreement will become effective on the Effective Date and shall remain in full force and effect until termination in accordance with the following provisions.
• Termination for Cause. We may immediately terminate your electronic banking privileges (including the Bill Payment Service) without notice to you under the following circumstances: We will promptly notify you if we terminate this Agreement or your use of the Services for any other reason.
  • you do not pay any fee required by this Agreement or when due; or
  • you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.
• Termination for Convenience. To terminate this Agreement, you must notify the Bank and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment service will be assessed at the end of your statement cycle. You may notify the Bank by one of the following methods: 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.
  • By sending an e-mail to hsbsupport@havilandstatebank.com.
  • By calling 620-548-2323
  • By writing a letter and either sending it to the following address: Attention: Electronic Banking Services, Mullinville State Bank, PO Box 27, Mullinville, KS 67109 or giving it to a Customer Service Representative at any of the Bank's locations.

• Applicability. These provisions are only applicable to online electronic fund transfers that credit or debit a consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an "EFT"). When applicable, the Bank may rely on any exceptions to these provisions that are contained in Regulation E. All terms that are not defined in this Agreement but which are defined in Regulation E shall have the same meaning when used in this section.
• Customer Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs:
  1. Tell us AT ONCE if you believe your [card], [POS card or PIN], or [Online Banking PIN] has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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). If you tell us within four (4) business days after you learn of the loss or theft or your [card], [POS card or PIN], or [Online Banking PIN], you can lose no more than $50 if someone used your [card], [POS card or PIN], or [Online Banking PIN] without your permission.
  2. If you do NOT tell use within four (4) business days after you learn of the loss or theft of your [card], [POS card or PIN], or [Online Banking PIN], and we can prove we could have stopped someone from using your [card], [POS card or PIN], or [Online Banking PIN] without your permission if you had told us, you could lose as much as $300.
  3. If your statement shows transfers that you did not make, including those made by card, code or other means, 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 money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You may also be liable for the amounts as described in sections 1 and 2 above.
  • 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 determine whether an error occurred 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 forty five (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 the 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. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. 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.
  1. Liability for unauthorized VISA Point of Sale (POS) Debit Card Transactions. Tell us, AT ONCE, if you believe your point of sale debit card has been lost, stolen, or has any unauthorized transactions. Your liability for unauthorized VISA POS debit card transactions that take place on the VISA system is Zero dollars ($0.00). We may require you to provide a written statement regarding claims of unauthorized VISA point of sale debit card transactions. VISA is a registered trademark of Visa International.
  2. Business days. For the purpose of these disclosures, our business days are Monday thru Friday. Weekends and Holidays are not included.
  3. You may notify the Bank by telephone, writing, or by email using the hsbsupport@havilandstatebank.com link provided in our Online Banking site. Notification by general e-mail to report an unauthorized transaction is not secure and therefore not advised.
• Telephone Numbers and Addresses. In case of errors or questions regarding an Online Banking or Bill Payment transaction, call 620-548-2323 or write us at: Attn: Electronic Banking Services Department, Mullinville State Bank, PO Box 27, Mullinville, KS 67109.
  We must hear from you at the telephone number or address, listed above, no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:
  1. Your name and account number;
  2. A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information;

• Our Liability. This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Online Banking or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any material losses or damages incurred by you and resulting directly from our gross negligence. We will not be liable to you in the following instances: IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.
  • If through no fault of the Bank, you do not have enough money in your account to make the transfer.
  • If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken.
  • If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy.
  • If your funds are subject to a legal proceeding or other encumbrance restricting the transfer.
  • If your transfer authorization terminates by operation of law.
  • If you believe someone has accessed your accounts without your permission and you fail to notify the Bank immediately.
  • If you have not properly followed the instructions on how to make a transfer included in this Agreement.
  • If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.
  • If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you
    terminate this Agreement.
• Indemnification. You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or
  other proceeding and any expenses related to an Online Banking or Funding account.
• Third Parties. We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider such as Netscape (Netscape 8Navigator browser) or Microsoft (Microsoft Explorer browser), by an internet access provider, or by an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an Online Banking or Funding account.
• Virus Protection. The Bank is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.

• General Terms and Conditions
  • Bank Agreements. In addition to this Agreement, you and the Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking Service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other
    disclosures including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule contained in this Agreement. We will automatically deduct the fees related to this Service from your Funding Account each month.
  • Changes and Modifications. The Bank may modify the terms and conditions applicable to the Services from time to time. We may send any notice to you via e-mail and you will have to be deemed to have received it three days after it is sent. The revised terms and conditions shall be effective at the earliest date allowed by applicable 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.
  • Assignment. We may assign this Agreement to an affiliate of the Bank or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or
    substantially all assets of the business to which this Agreement is related without the other party's prior written consent.
  • Notices. Unless otherwise required by applicable law, any notice or written communication given pursuant to this Agreement may be sent to you electronically.
  • Disclosure of Information. We will only disclose information to third parties about your account or transfers you make under the following circumstances:
    • where it is necessary for the provision of Online Banking and 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 permission;
    • to the Bank affiliated companies.
  • Governing Law. This Agreement is governed by the laws of the State of Kansas and applicable
    federal law.