Online Banking Agreement and Disclosure

UNION STATE BANK

Phone 785-468-3341

usbolsburg.com

Welcome to Union State Bank Online Banking service. The term Online Banking means our online banking service you access over the internet by use of a personal computer, smart phone, or modem. This Online Banking Agreement governs your use of the online 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. The first time you access your accounts through online banking you agree to be bound by the terms and conditions of this agreement, acknowledge its receipt, and your understanding of its terms. This online banking agreement and disclosure may be amended, in the future, and you agree to be bound by any changes established by Union State Bank. You agree to be notified in electronic form.

ONLINE BANKING ID AND PASSWORD

To access our Online Banking, you must create a unique User ID and Password when registering for this service. User ID’s and Passwords are confidential and should not be disclosed to third parties. It is your responsibility to safeguard your User ID and Password.

PLEASE NOTE ***

Union State Bank will never under any circumstances email you requesting your User ID or Password for verification or for any other reason. If you get an email OR phone call asking for this information, DO NOT ANSWER IT. Call the bank immediately at 785-468-3341.

ELECTRONIC MAIL

Sending e-mail through Union State Bank online banking service is a way to communicate with the bank. Online banking has provided e-mail capabilities for you to ask questions about your account(s) or to provide us comments on our banking service. This e-mail capability is accessible after you sign on with your User ID and Password to a secure session. The message sent by email is not secure, may be intercepted by third parties, and may not be immediately received by the appropriate department of Union State Bank. Please do not use email to send us communication which contains confidential information or needs our immediate attention.

ONLINE ACCOUNT OWNER INFORMATION

You must be an owner of the account(s) to enroll for Online Banking. You may not make any transfers from any account that required more than one signature for withdrawals. All open accounts in which you have direct ownership will be activated for your online banking account. You do have the option of choosing which of these accounts you wish to view.

TYPES OF ONLINE BANKING TRANSACTIONS

You may access certain account(s) you maintain with us by computer using your assigned User ID and password by accessing the online banking service. You may use the online banking service to perform the following functions:

*Transfer Funds between Eligible Accounts

*Obtain Balance information on Eligible Accounts

*Review Transactions on Eligible Accounts

*Make Loan Payments on Eligible Accounts

OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, these are some exceptions. We will not be liable for instance:

*If, through no fault of ours, you do not have enough money in your account to make the transfer.

*If the money in your account is subject to legal process or other claim restricting transfer.

*If the terminal or system was not working properly and you know about the breakdown when you started the transfer.

*If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.

*If you, or anyone authorized by you, commits any fraud, or violates any law, regulation or this agreement.

*If you do not instruct us soon enough for your transaction to be received or credited by the time it is due.

*There may be other exceptions stated in our agreement with you.

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 Union State Bank against any loss, liability, or expense. You agree to hold Union State Bank harmless for any and all acts of any employees or persons who you grant access to or who gain access to your Online Banking account. You consent, by accepting this Agreement, to disclosure of your customer information to those that gain access to your accounts.

LIMIT OF OUR LIABILITY

We make no warranty of any kind, expressed or implied, including any implied warranty or merchantability or fitness for a particular purpose, in connection with the Union State Bank Online Banking Services provided to you under this Agreement. We do not and cannot warrant that Union State Bank Online Services will operate without errors, or that all Services will be available, and operational at all times. We are not responsible for any indirect, special, incidental, or consequential damages arising in any way our of your use of the Union State Bank Online Banking Services provided of your use of the Union State Bank Online Banking Services provided under this Agreement. In no event shall Union State Bank be liable for any damages, losses or liabilities including without limitation, direct or indirect, special incidental, consequential damages, losses or liabilities, in connection with your use of this web site or your reliance on or use or liability to use the information, materials, products and services on this web site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Union State Bank is advised of the possibility of such damages, losses or expenses.

LIABILITY FOR UNAUTHORIZED TRANSFERS

Tell us AT ONCE if you believe your Online Banking password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Call 785-468-3341. You could lose all the money in your account. Also, if your statement shows transfers you did not authorize, 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 lost.

SECURITY PROCEDURES

By accessing the Union State Bank Online Banking, you hereby acknowledge that you will be entering a protected web site owned by Union State Bank, which may be used only for authorized purposes. Union State Bank may monitor and audit usage of the system and all persons are hereby notified that use of the services constitutes consent to such monitoring and auditing. Unauthorized attempts to upload information and/or change information on these web sites are prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

BUSINESS DAYS

Our Online Banking service is generally available 24 hours a day, 7 days a week. We only process transactions and update information on business days. Our business days are Monday through Friday. Federal holidays are not included.

STATEMENTS

Your Online Banking payments and transfers will be indicated on the monthly 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.