First National Bank Internet Banking and Online Bill Pay

  Transfer funds between account
  Schedule recurring transfers between accounts

Online Bill Pay
Online Bill Pay gives you complete control over every aspect of your bill paying process. No need to spend time writing checks, stuffing envelopes or searching for stamps. With the click of your mouse, you can pay your bills quickly, conveniently and securely through Online Banking.

Schedule one time or recurring payments for all bills
No monthly service charge
Unlimited transactions
Electronic payments
Access through Online Banking 24 hours a day
Review pending payments and bill payment history
Customize and schedule personal notifications

Internet Banking and Bill Payment Terms and Conditions

This Internet Banking Agreement and Disclosure explains the terms and conditions governing basic Internet Banking Services and Bill Pay Services offered by First National Bank of Manchester. By using any of the Internet Banking Services, you agree to abide by the terms and conditions of this Agreement. The terms "we," "us," "our," and "FNB" refer to First National Bank. "You" refers to each person who enrolls for Internet Banking Services and has a password. The term "business days" means Monday through Friday, excluding Saturday, Sunday and FNB holidays.

Your Internet Banking Services and each of your accounts are also governed by the applicable Disclosures, Rates, and Fee Schedules provided by FNB in your new account packet as each may be modified from time to time.

In order to use the Internet Banking Service, you need a computer (in this Agreement, your computer and the related equipment are referred to together as your "Computer") with a web browser (Netscape Navigator 4.0 or higher), Microsoft Internet Explorer 4.0 or higher, a Internet Banking Password. The Password is the confidential personal identification number you use to access your account(s) through Internet Banking.
You are responsible for the installation, maintenance, and operation of your Computer, browser and software. FNB is not responsible for any errors or failures from any malfunction of your Computer, the browser or the software. FNB is also not responsible for any Computer virus or related problems that may be associated with the use of an on line system.

The Service

Access to Internet Baking will not be effective until all information on the signed Internet Banking Enrollment form has been verified and approved by FNB.

To use Internet Banking, you must have at least one FNB personal account and an Internet Banking Password. Through Internet Banking, you will have access to any of your FNB share accounts or loan accounts. FNB reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances.

You authorize FNB to act on instructions received through Internet Banking under your password and without inquiring into the identity of the person using that password. However, do not, under any circumstances, disclose your password by telephone or to anyone claiming to represent FNB; The Bank's employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. FNB has no responsibility for establishing the identity of any person using your password. If, despite FNB's advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your Internet Banking password or other means of access will have full access to your accounts even if you attempt to limit that person's authority. You must notify FNB that your password has been lost, stolen or otherwise compromised and should not be honored and must be disabled. FNB cannot be responsible for customer errors or negligent use of the Internet Banking Services and will not cover losses due to:

• Input error or misuse of the Internet Banking Services.
• Leaving a computer unattended during an On line banking session--click "Sign Off" to end your session.
• Failure to report known incidents of unauthorized account access within 2 business days of the account access.

Data Recording

When you access Internet Banking to conduct transactions, the information you enter may be recorded. By using Internet Banking, you consent to such a recording.

First National Bank Internet Banking and Bill Payment Help

FNB's Internet Banking and Bill Payment Help document details how to operate the FNB Internet Banking and Bill Payment System. As part of this agreement you agree to become familiar with the information contained in the FNB Internet Banking and Bill payment Help document prior to using the FNB Internet Banking and Bill Payment service. FNB Internet Banking and Bill Payment Help document may be reviewed on line and may also be accessed during your Internet Banking session by clicking the Help button. All information contained in the FNB Internet Banking and Bill Payment Help document and any updates to it are part of this Agreement.

Services

FNB Internet Banking and Bill Payment allow FNB customers to access information for and initiate transactions from their FNB accounts. Such services include but are not limited to the following:

• View account information for checking, savings, certificate of deposit, Ira's, Club Accounts and loan accounts. (*These features are limited to the extent, and subject to the terms, noted below.
• Transfer funds between linked FNB accounts.
• Schedule payments to non-FNB payees in the United States. You should allow at least (5) business days between the date you have scheduled your payment to be processed and the payment due date.
• Modify/Cancel payments scheduled in advance.
• Report account problems, request information, or order changes to account information or services via a secured communication channel.

*Your ability to transfer funds between certain accounts is limited by federal law and the Deposit Agreement. You should refer to the Deposit Agreement for legal restrictions and service charges applicable for excessive withdrawals or transfers. Transfers made using the Internet Banking Service are counted against permissible number of transfers described in the Deposit Agreement.
There may be at least a one-business-day delay in transferring funds between your accounts. Except as provided in this Agreement, all Internet Banking transaction instructions received by _________will be completed that business day. Any instructions received after _______ will be completed the next business day.

By directing FNB Internet Banking and Bill Payment to transfer funds or initiate a payment, you authorize FNB to withdraw from the designated account the amount of funds required to complete the assigned transaction without. You regard requests for new account services, instructions to change existing account information or services, and other communication received via FNB Internet Banking and Bill Payment as legal endorsements. As such, all correspondence initiated via FNB Internet Banking and Bill Payment shall command the legal authority of a written request by your signature.

Scheduling On line Bill Payments

Bill Payments will be sent electronically the payee may not receive payment until seventy-two (72) hours after the payment is deducted from your account.

Bill Payment(s) scheduled after  2:00 will be processed on the next business day. Payment(s) can be scheduled up to 364 days in advance.

Payment(s) made through the Bill Payment Service requires sufficient time for your payee to credit your account properly. You must authorize and schedule payment(s) within a sufficient time frame to avoid finance charges and other charges that may be assessed by the payee for late or non-receipt of payment. FNB will not be responsible for any charges assessed or other action taken by a payee resulting from a late or non-payment, including but not limited to finance charge and late fees.

Hours of Access

You can use Internet Banking seven (7) days a week, twenty four (24) hours a day. Some or all Internet Banking services may not be available occasionally due to emergency or scheduled maintenance or events beyond our control. We agree to post notice of any extended or unusual periods of non-availability on our website www.fnb-manchester.com

Customer Service

You may contact FNB by calling 1-606-598-6111 customer service representatives are available to assist you Monday through Friday 8:00 AM - 3:30 PM.

Customer service representatives may provide assistance only within the guidelines set forth by FNB and as required by law. Customer Service Representatives are not authorized to negotiate any of the terms of this agreement.
The same encryption process used to secure your account information secures messages sent via FNB Internet Banking and Bill Payment. The Customer Care feature provided by FNB Internet Banking and Bill Payment may be used to transmit confidential account information to FNB.

FNB is responsible for making reasonable efforts to fulfill only those account request received via FNB Internet Banking and Bill Payment. FNB may not be held accountable for any loss resulting from the delay or failure to transmit a message via FNB Internet Banking and Bill Payment arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Fees

Payments to FNB accounts and transfers between your FNB accounts are free of charge. NOTE: Your accounts and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Deposit Agreement and the Loan Agreement.

Electronic Funds Transfer Errors

See Complete Regulation E disclosure

In case of errors or questions about your electronic transfers, telephone us at 606-598-6111 or write us at 120 Town Square, Manchester Kentucky 40962 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.

FNB must hear from you within (60) days after the FIRST statement on which the problem or error appeared. Please tell us your name and account number, describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information and then tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within (10) business days.

FNB will determine whether an error occurred within (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, 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 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.

Customer Liability for Unauthorized Transfers

Notify FNB at once if you believe your PIN or password has been stolen at 606-598-6111. Telephoning is the best way to limit the amount of loss. If you tell FNB within two (2) business days, you can loose no more than $50.00 if someone has used your PIN or password without your permission.

If you do not tell us within two (2) business days after you learn of the loss or theft of your PIN or password and we can prove that some of the loss may have been prevented had we been informed of the loss, you can lose as much as $500.00.

FNB's Liability for Failure to Make Transfers/Bill Payments

If FNB does not complete a transfer to or from your account on time or in the correct amount according to the account agreement with you (including, but not limited to, all rules and regulations governing your account), we will be liable for all losses not to exceed the amount of the transfer. However, there are exceptions. FNB will not be liable for, including but not limited to, the following:

• If, through no fault of FNB, you do not have enough money in your account to complete the transfer; or
• If the transfer would go over your credit limit on your line of credit account; or
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precaution that have been taken; or
• If the funds in the account are subject to legal process or other encumbrance restricting such transfers; or
• If the Internet Banking system was not working properly due to the failure of electronic or mechanical equipment or communications lines, telephone or other interconnect problems, normal maintenance, unauthorized access, theft, operator errors, sever weather, earthquakes, floods and strikes or other labor problems; or
• If there is an allegation of fraudulent activity concerning the account; or
• If other rules, regulations or agreements of FNB so provide.
• If transaction instructions are not actually received by FNB, FNB may not be held accountable for any loss resulting from the delay or failure to transmit instructions arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Occasionally a Payee may choose not to participate in the Bill Payment service, or may require additional information before accepting payments. FNB will work with these Payees to encourage them to accept an electronic or check payment from the bank. If FNB is unsuccessful, or if FNB determines that the Payee cannot process payments in a timely manner, FNB may decline future payments to this Payee. In the unlikely event that this occurs, FNB will promptly send you a notice.   Any obligations that you wish to pay through the FNB Internet Banking and Bill Payment service must be payable in U.S. dollars to a payee located in the United Sates, U.S. territories, and APOs. FNB reserves the right in its sole discretion to restrict categories of payees to whom payments may be made using this service.

You should not use the service to make:

• tax payments
• court-ordered payments
• payments to settle security transactions

Disclosure of Account to Third Parties

We will disclose information to third parties about your account or transfers you made:

• When it is necessary to complete the transfer;
• In order to verify existence and conditions of your account for a third party, such as a credit bureau or merchant;
• In order to comply with a government agency or court orders; or
• If you give us written permission.

Address Changes

You agree to promptly notify FNB, in writing, of any address change.

Payee Limitation

FNB reserves the right to impose a frequency or dollar limit on or refuse to make any payment you have directed. FNB is obligated to notify you promptly if it decides to refuse to complete your payment instructions. This notification is not required if you attempt to make payments which are prohibited under this Agreement.

Disputes

In the event of a dispute regarding Internet Banking, you and FNB agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and FNB, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and FNB relating to the subject matter of this Agreement. If there is a conflict between what one of FNB employees says and the terms of this Agreement, the terms of this Agreement have final control.

Assignment

You may not assign this Agreement to any other party. FNB may assign this Agreement to any present or future, directly or indirectly, affiliated company. FNB may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

FNB shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by FNB. No delay or omission on the part of FNB in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Governing Law

This Agreement shall be governed by the laws of the jurisdiction in which the financial institution is located and by applicable Federal laws and regulations.

Your Right to Terminate

You may cancel your Internet Banking service at any time by providing us with written notice by postal mail or fax. Your access to Internet Banking will be suspended within three (3) business days of our receipt of your instructions to cancel this service.

You will remain responsible for all outstanding fees, charges and pending transactions incurred prior to the date of cancellation.

Our Right to Terminate

You agree that we can terminate or limit your access to Internet Banking for any of the following reasons:

• Without prior notice, if you have insufficient funds in any one of your Bank accounts. Internet Banking may be reinstated, at our sole discretion, once sufficient funds are available to cover any fees, pending transfers, debits, etc.
• Upon three (3) business days notice, if you do not contact us to designate a new Primary checking account immediately after you close an existing Primary Checking account.
• If you do not login to Internet Banking during any consecutive ninety (90) day period. If you wish to reinstate Internet Banking Services, you must contact the Bank.
• You violate any term or condition of this Agreement.

Federal Disclosure

You agree to accept this disclosure on line rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.

Electronic Funds Transfer Agreement & Disclosure

The purpose of this Agreement is to acquaint you with Electronic Funds Transfer Services offered by the Bank and to make certain disclosures, as required by law.  Some of these services may not apply to your particular account(s).  This agreement explains your rights and responsibilities for such services.

An "Electronic Funds Transfer" (herein also called "transfer") is any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic storage device (i.e. tape, disk, etc.) for the purpose of ordering, instructing, or authorizing Bank to debit (withdraw funds) or credit (deposit funds) your account(s).  An "Electronic Fund Transfer" includes, but is not limited to, the following types of transactions:  direct deposit and withdrawal of funds (including ACH transfers); automated teller machine (ATM) transactions; point-of-sale transactions; and transfers and bill payments initiated by telephone, computer, and other electronic devices.  With the exception of debit card transactions which may generate paper drafts, and electronic check conversion transactions which convert a paper instrument into an Electronic Fund Transfer, the Electronic Funds Transfer Act and Regulation E do not apply to transactions by check, draft, or similar paper instrument.