This agreement states the terms and conditions that apply when you use Oregon Community Bank & Trust (herein referred to as "Bank") Internet Banking service. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement.
"You" and "your" mean each person who establishes an Internet Banking Customer Account with us or who uses or is authorized to use an Internet Banking Identification Number ("ID") and Personal Identification Number ("PIN") or other means of access we establish or approve. The term "Internet Banking" means our NetTeller services that you access over the Internet by use of a personal computer and modem and/or other means we authorize or allow. NetTeller allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions.
INTERNET BANKING ID AND PIN
To access our Internet Banking service, you must use the ID and/or other means of access we establish or provide for your Internet Banking Customer Account together with a PIN. It is your responsibility to safeguard the ID and PIN we provide. Anyone to whom you give your Internet Banking ID and PIN or other means of access will have full access to your accounts even if you attempt to limit that person's authority.
INTERNET ACCOUNT OWNER INFORMATION
You must be the owner of this account. You may not designate any account that requires more than one signature for withdrawals.
INTERNET BANKING TRANSACTIONS
You, or someone you have authorized by giving them you Internet Banking ID and PIN or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:
• Make transfers between your qualifying accounts to the extent authorized;
• Obtain information that we make available about your qualifying accounts;
• Obtain other services or perform other transactions that we authorize.
LIMITS ON INTERNET BANKING TRANSACTIONS
You must have enough money or credit in any account from which you instruct us to make a payment or transfer. If any of your qualifying accounts are savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specific period. The specified period for savings accounts is the monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. A total of only 3 of these withdrawals may be made by check, draft, debit card or similar order payable to third parties. You also agree to the Terms & Conditions of your deposit account that you received when you opened your deposit account.
YOUR LIABILITY AND INDEMNITY
You warrant that you will perform your obligations under this Agreement consistent with all applicable Bank rules and regulations and that all information that you provide us is accurate, timely, and has been authorized by you, and in the event that you breach any of the foregoing warranties, you agree to indemnify the Bank against any loss, liability, or expense. You agree to hold the Bank harmless for any and all acts of any employees or persons who you grant access to or who gain access to your Internet Banking account. You consent, by execution of this Agreement, to disclosure of your customer information to those that gain access to your accounts.
Our Internet Banking service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday. Holidays are not included.
Your Internet Banking payments and transfers will be indicated on the monthly or quarterly statements we provide. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.
UNAUTHORIZED TRANSACTIONS OR LOSS OF THEFT OF YOUR INTERNET BANKING ID OR PIN
If you believe your Internet Banking ID or PIN or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at 608-835-3168, during normal business hours. After hours you may e-mail us at firstname.lastname@example.org, or write us at Oregon Community Bank & Trust, 733 N. Main St., Oregon, WI 53575. Immediately contacting us by phone is the best way of reducing your possible losses, since not all e-mail may arrive at their destinations. We will send an e-mail back to you as confirmation that we did receive it. Because e-mail is not secure, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we will need. If you have given someone your Internet Banking ID and PIN or other means of access and want to terminate that person's authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person.
OTHER GENERAL TERMS
Access to Oregon Community Bank & Trust's Internet Banking service will confirm your agreement to be bound by all the terms and conditions of the Internet Banking Agreement and Disclosure Statement.
You may terminate your Internet Banking Agreement at any time upon giving Bank written notice of the termination. If you terminate, your authorize us to continue making transfers you have previously authorized until we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your Internet Banking Account. If we terminate your use of your Internet Banking Account, we reserve the right to make no further transfers of payments from your account including any transactions you have previously authorized.