Internet B@nking Agreement

INTERNET B@NKING AGREEMENT AND DISCLOSURE

This Internet B@nking Agreement and Disclosure ("the Agreement") explains the terms and conditions governing basic Internet B@nking services and Bill P@y services offered by Georgia Bank & Trust (collectively "Internet B@nking services"). By using any of the Internet B@nking services, you agree to abide by the terms and conditions of this Agreement. The terms "we", "us", "our", "Georgia Bank & Trust", and "Bank" refer to Georgia Bank & Trust. "You" refers to each person who enrolls for Internet B@nking services and has a PIN. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal Banking holidays.

Your Internet B@nking services and each of your accounts are also governed by the applicable Disclosures, Rates, and Fee Schedules; collectively referred to as the "Bank Documents"; provided by the financial institution in your new account packet as each may be modified from time to time. You are responsible for paying any fees that may be assessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing Internet B@nking services.

Your initial use of Internet B@nking services constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and by the "Bank Documents", and acknowledges your receipt and understanding of this agreement.

The Bank is entitled to act on instructions received through Internet B@nking under your Login ID and/or PIN and without inquiring into the identity of the person using that Login ID and/or PIN. However, do not, under any circumstances, disclose your Login ID and/or PIN by telephone to anyone claiming to represent the Bank; the Bank's employees do not need and should not ask for your Login ID and/or PIN. You are liable for all transactions made or authorized using your Login ID and PIN. The Bank has no responsibility for establishing the identity of any person using your Login ID and PIN. If you give your Login ID and PIN to anyone, you do so at your own risk since anyone to whom you give your Internet B@nking Login ID and PIN to will have full access to your accounts even if you attempt to limit that person's authority. You must notify the Bank that your Login ID and PIN have been lost, stolen or otherwise compromised and should not be honored and must be disabled. Unless you notify the Bank that your Login ID and PIN are subject to unauthorized use, you acknowledge that the Bank is entitled to rely on the use of your Login ID and PIN as your authorization for any given transaction. Your authorization on any Internet B@nking Service shall be considered the same as your written signature in authorizing the Bank to perform any actions relating to the transactions(s) you have requested.

If two people hold a joint checking account they each will have their own Login ID and PIN along with their own Internet B@nking Agreement. Each such joint account holder will be held responsible for all transactions performed on the joint account by either account holder within the Internet B@nking and Bill P@y products.

You hereby release the Bank from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your Login ID and PIN to such person, or, in the case of a jointly held account such person is one of the owners of the account. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

The Bank has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Internet B@nking transfers or Bill P@ys will be made, including but not limited to any payments or transfers scheduled in advance or any pre-authorized recurring payments or transfers. If we modify this Agreement, your continued use of Internet B@nking Services will constitute your acceptance of such changes in each instance.

By clicking “Continue”, I certify that I have read and agree to the agreement listed above.