Online Banking Agreement

This Agreement describes your rights and obligations as a user of Home Savings Bank Online Banking and the rights and obligations of Home Savings Bank.

Definitions
Online Banking is the internet-based service providing access to your account(s) under the terms set forth in this agreement.

Online Account means any Home Savings Bank account which you will access using Online Banking.
Password is the code assigned to you by Home Savings Bank for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to Online Banking.

Hours
Online Banking is available 24 hours a day, seven days a week, except during special maintenance periods or any unforeseen circumstance. For purposes of transactions, Home Savings Bank’s business days are Monday through Friday, excluding holidays as determined by Home Savings Bank. All Online Banking transaction requests received after 3:00 p.m. EST on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays will be processed on the next business day.

Use of your security password
Home Savings Bank will provide you with a Password for use during the initial login, after which you are required to change your Password and User ID for security purposes. You determine what Password and User ID you will use and the identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You agree not to allow anyone to gain access to the Online Banking or to let anyone know your Password. After three (3) unsuccessful attempts at authorization to use the system, you must contact us to have your Password reset or to obtain a new temporary Password. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

Lost / Forgotten Passwords
If your Password has been lost or forgotten, call Home Savings Bank at (419) 738-9258, between 8:30 a.m. and 5:00 p.m., Monday through Friday. We will then provide you with a new temporary password. For security reasons Passwords will never be provided over the telephone or via email, but will be given in person or be mailed to the account holder on file.

Funds Transfer Permission
Home Savings Bank’s Online Banking will allow customers to transfer funds between certain types of deposits accounts, and will allow certain types of payments to loans and lines of credit.

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

Questions
If you have any questions or comments regarding Home Savings Bank’s Online Banking, please call us at 419-738-9258 during business hours, or email us at hsb1@homesavings-wapak.com

Limit of Home Savings Bank responsibility
Home Savings Bank agrees to make reasonable efforts to ensure full performance of our Online Banking. We will be responsible for acting only on those instructions sent through our Online Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Home Savings Bank is not responsible for any losses should you give incorrect instructions, or if your instructions are not given sufficiently in advance to allow for timely payment.

Any information you receive from Home Savings Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Home Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Home Savings Bank will not be responsible for any computer virus, or related problems, which may be attributable to services provided by any Access Service Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking functions. Home Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Home Savings Bank liability shall be as expressly set forth herein. Under no circumstances will Home Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Online Banking, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking functions. Home Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Home Savings Bank liability shall be as expressly set forth herein. Under no circumstances will Home Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Online Banking, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Home Savings Bank’s responsibility to our customers
Home Savings Bank will be responsible for your actual losses if they are directly caused by our failure to:

• Complete an Electronic Funds Transfer as properly requested
• Cancel an Electronic Funds Transfer as properly requested

However, we will not be responsible for your losses if:

• Through no fault of Home Savings Bank, you do not have enough funds in your account to make the transfer
• Through no fault of Home Savings Bank, the transaction would have caused you to exceed your available credit
• Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
• There is a hold on your account, or if access to your account is blocked in accordance with banking policy
• Your funds are subject to legal process or other encumbrance restricting the transfer
• Your transfer authorization terminates by operation of law
• You believe someone has accessed your accounts without your permission and you fail to notify us immediately
• You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement
• We have received incomplete or inaccurate information from you regarding the account or transfer
• 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.

There may be other exceptions stated in this Agreement and in other agreement with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

Modifications to this agreement
Home Savings Bank may modify the terms and conditions applicable to the Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on your account records, and 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.

Unauthorized Transactions or Loss or Theft of your Home Savings Bank’s Identification Number or Password
If you believe your Internet Banking User ID or password or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at (419) 738-9258 during normal business hours, after hours you may email us, or write us at 1 S. Blackhoof Street, P.O. Box 300, Wapakoneta, OH 45895. Quickly telephoning us is the best way of reducing your possible losses. Not all email may arrive at their destinations. We will send email back to you as confirmation that we did receive it. Because the Internet is not secured from being read by just anyone, do not include any of your account or social security numbers with your email. Your name, address, and a brief message as to what the problem might be is all we will need.

Inactivity / Termination
You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without prior notice to you for any reason; or if you do not pay any fee required by this Agreement when due; 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 for any other reason.

To cancel Online Banking, you must notify Home Savings Bank and provide your name and effective date to stop the service. You may notify us by calling us during business hours or by writing a letter and sending it to:

Home Savings Bank
1 S. Blackhoof Street P.O. Box 300
Wapakoneta, OH 45895