Electronic Banking Agreement

This Electronic Banking Agreement (the “Agreement”) governs your use of the Scribner Bank’s Electronic Banking (the “Service”). By subscribing to the Service you agree to the terms of the Agreement. Please read this Agreement carefully and keep a copy for your records.

In the Agreement, “you” or “your” refers to the person(s) subscribing to or using the Service; “we” or “our” refers to the Bank and any agent, independent contractor, designee, or assignee the Bank may, in its sole discretion, involve in the provision of the Service.

Hours of Operation

You ordinarily can participate in our Electronic Banking 24 hours a day – 7 days a week. However, we reserve the right to suspend our Service from time to time as we deem necessary. All times noted throughout this document are Central Time (CT).

Transaction Posting

Transactions between Scribner Bank accounts entered in the Service on or before 5:00 p.m. on any business day will be posted on the same day. Transactions between Scribner Bank accounts entered in the Service on weekends, federal holidays or after 5:00 pm on a business day will be posted by the end of the next business day.

The Service

You may use the service through an Internet connection or mobile connection to obtain account balances and transaction information. You may also use the service to obtain statements on your account, view activity and to transfer money between your accounts. However, transfers from your savings and Money Market accounts are considered pre-authorized transfers and pre-authorized transfers are limited to 6 pre authorized withdrawals each monthly statement period, of which may be by check, draft, debit card or similar order made to third party. Examples of transactions that fall within the six per month limitation are ACH debits and transfers from your savings and money market at the telephone request of the customer made directly to a bank employee, checks payable to third parties, online transfers and transactions made with an ATM/Debit (point-of-sale) card. Examples of unlimited transactions are pre authorized transfers for the purpose of paying loans at the same institution, transfers or withdrawals made by mail, messenger, ATM or in person (withdrawals and transfers made to another account of the depositor at the same institution), and withdrawals initiated by telephone and consummated by a check mailed to the depositor. In addition, you may use your electronic device to electronically direct us to make payments from your Account to third parties (“Payees”) that you have selected in advance to receive payment through the Service. You may make payments through the Service to any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify. You also may make payments through the Service to individuals, family, or friends for non-business purposes.

Service Fees

The basic internet banking service is free. Please refer to our fee schedule for details.

Your User Name and Password

During enrollment you will create a User Name and Password specific to you. The User Name must be 4 to 20 characters with one alpha and one numeric character. Your password must be 8 to 50 characters in length, with one uppercase alpha, one lowercase alpha, one numeric character and one special character. You authorize us to follow any instructions entered through the Service using your User Name and Password. Because your User Name and Password can be used to access funds in your accounts, you should treat them with the same secrecy and care that you would with any other sensitive personal financial information. You agree not to give your User Name or Password, or make them available, to any person not authorized to access your accounts. If you permit other persons to use your login credentials, you are responsible for any transactions they authorize.

Enhanced Login Security

As a user of this Service you will be required to be enrolled in the Enhanced Login Security. Enhanced Login Security is an online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security identifies you as the true owner of your accounts by recognizing not only your password, but also the electronic equipment you login from regularly along with a personal greeting and image. If you are not recognized, you will be asked for information that only you know before being allowed access. Upon each login you will view your personal greeting and image on the password screen that you selected upon your first login. Also, when anyone attempts to login to your accounts from a non-private computer, the system will require you to answer a security question that was answered when setting up your online banking access.

Liability for Failure to Complete Transactions

We will process and complete all transfers properly initiated through the service in accordance with the terms of this Agreement. If we do not complete a transfer to or from your Account or in the correct amount under the terms of this Agreement, we will be liable for your damages which are directly caused by our failure to correctly complete such transfers. However, we will not be liable if:

Through no fault of ours, you do not have enough money in your Account to make the transfer.
Your PC, Internet Service, telephone/mobile service or the Service is not working properly and you knew about the malfunction when you started the transfer.
Circumstances beyond our control (such as fire, flood or delay in the U.S. Mail) prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances.
Funds in your Account are subject to legal process or encumbrance restricting transfer.
The transfer was requested after the posted cut-off time of 5:00 p.m. C.S.T.

Equipment

You are responsible for obtaining, installing, maintaining and operating all electronic equipment used through the Service. We are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation or maintenance of your electronic equipment.

Notice of Your Rights and Liabilities

We reserve the right to modify the Service at any time. We will not be liable for any such loss incurred by improper use of the Service. Tell us at once if you believe that your User Name or Password has been lost or stolen, otherwise, you are subject loss of funds in your account. Telephoning is the best and fastest way of keeping your possible losses down. If you believe your User Name or Password has been lost or stolen or that someone has transferred or made unauthorized payments from your account, you should: Telephone Scribner Bank at 402-664-2561 or write us at Scribner Bank, PO Box K, Scribner NE 68057. If you tell us within two (2) business days after you discover your User Name or Password has been lost or stolen, you can lose no more than $50 if someone used your User Name 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 User Name or Password, and we can prove we could have stopped someone from using your User Name or Password without permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers or payments you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you or provided electronically, you may not get back any money you lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time. You agree that if you give a sub-user access or your PIN or Password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Service.

Error Resolution Notice

In case of errors or questions about your electronic transfers or payment, you should: Telephone Scribner Bank at 402-664-2561 or write Scribner Bank, PO Box K, Scribner, NE 68057, as soon as you can, if you think that your statement is wrong or you need more information about a transfer listed on your statement. We must hear from you no later than sixty (60) days after you received the first statement on which the problem or error appeared.

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.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (20 business days if your account is within 30 days after the first deposit to the account) 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 (90 days if the transfer involved a point-of-sale transaction, a foreign initiated transfer or if your account is within 30 days after the first deposit to the account) to investigate your complaint or questions. If we decide to do this, we will provisionally re-credit your account within ten (10) business days (20 business days if your account is within 30 days after the first deposit to the account) 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 questions in writing and do not receive it within ten (10) business days, we may not re-credit your account. We will notify you of the results within three (3) business days after we finish our investigation. If we decide that there was no error, we will send you a written explanation of our findings. You may ask for copies of documents that we used in our investigation.

Access & Agreement

You agree that, when you use the Service, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile or internet service providers and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of this Service, and you agree to be solely responsible for all such fees, limitations, and restrictions. Neither Scribner Bank nor any of our service providers assume responsibility for the operation, security, functionality or availability of any related network, wireless device or mobile network which you may utilize to access this Service.

Limitation of Liability

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the Service or the use thereof or arising in any way out of the installation, operation or maintenance of your electronic devices.

Entire Agreement

This is the complete and exclusive agreement between you and Scribner Bank related to the Service and supplements any other agreement or disclosure related to your account. In the event of a conflict between this Agreement and any of the agreements or disclosures related to your account or any statement by our employees or agent, this Agreement shall control.

Waivers

No delay or omission by Scribner Bank in exercising any rights or remedies thereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise or a right or remedy shall not preclude further exercise thereof or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by Scribner Bank.

Assignment

You may not assign this Agreement to any other party.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of Nebraska, without regard to the state’s conflicts of law provision.

Amendments

We can change these terms by giving you notice as required by law. Continued use of our Service by you after notice of a change in terms constitutes acceptance of the change.