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

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 Bank of Crocker account which you will access using Online Banking. Password is the code assigned to you by Bank of Crocker 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, Bank of Crocker’s business days are Monday through Friday, excluding holidays as determined by Bank of Crocker. All Online Banking transaction requests received after 2:00 p.m. Central Time on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays will be processed on the next business day. Bank of Crocker’s Business day begins at 9:00 a.m. Central Time.

USE OF YOUR ACCESS ID AND PASSWORD
Bank of Crocker will provide you with an Access ID and Password for use during the initial login, after which you are required to change both for security purposes. You determine what Password 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.

• The financial institution controls the minimum and maximum length of passwords. The shortest minimum allowed is 8 characters, and the longest maximum is 15 characters.
• We require passwords to contain at least one (1) alpha character, two (2) numeric characters, one (1) special character, and contain both upper and lower case characters.
• The new password cannot be similar to the old password or Access ID.
• The Bank of Crocker does not have access to customer's password. The Bank of Crocker has the ability to issue a new password in the event of lost or forgotten passwords.

LOST/FORGOTTEN PASSWORDS
If your Password has been lost or forgotten, call your Bank of Crocker office between 8:30 a.m. to 4:00 p.m. Central Time, Monday through Friday. We will then provide you with a new temporary Password. As with the initial password, any password issued by the Bank of Crocker must be changed by the customer at the next login.

FUNDS TRANFER PERMISSION
Bank of Crocker’s Online Banking will allow customers to transfer funds between certain types of deposit accounts, and will allow certain types of payments to loans.

Please note that Federal regulations prohibit you from making more that six (6) pre-authorized or automatic transfers or bill payments from your money market account or savings account during a given monthly statement period. Please see your account disclosure for a more detailed description. There are no limits to the number of transfers or payments for your checking account.

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

QUESTIONS
If you have any questions or comments regarding Bank of Crocker's Online Banking, please call your Bank of Crocker office during business hours, or e-mail us at info@bankofcrocker.com.

LIMIT OF BANK OF CROCKER RESPONSIBILITY
The Bank of Crocker 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. The Bank of Crocker 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 the Bank of Crocker is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. The Bank of Crocker 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.

The Bank of Crocker will not be responsible for any computer virus, or related problems, which may be attributable to services provided by an Internet Service Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking functions. The Bank of Crocker will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of the Bank of Crocker liability shall be as expressly set forth herein. Under no circumstances will the Bank of Crocker 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.

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

• Through no fault of the Bank of Crocker, you do not have enough funds in your account to make the transfer
• Through no fault of the Bank of Crocker, the transaction would have caused you to exceed your available credit
• Circumstances beyond our control (e.g. fire, flood, power outage, equipment or technical 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 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 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 agreements 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.

CONSUMER LIABILITY
Tell us AT ONCE if you believe your password has been lost or stolen. Telephoning is the best way of keeping your losses down. You could lose all the money in your account (plus your maximum limit from an overdraft line of credit or your overdraft privilege.) If you tell us within 2 business days, you can lose no more than $50.00 if someone used your password without your permission. (If you believe your password has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your password without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

Contact us in the event of unauthorized transfer. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us immediately.

1. Tell us your name and account number.
2. 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.
3. 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 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new 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 question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within 3 business days after completing our investigation. If we decide that 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.

Please examine your statement promptly and immediately advise us of any errors. If no error is reported within sixty (60) days, the statement will be considered correct.

MODIFICATIONS TO THIS AGREEMENT
The Bank of Crocker may modify the terms and conditions applicable to Online Banking 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 Online Banking in whole or in part at any time without prior notice.

UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR ONLINE BANKING IDENTIFICATION NUMBER/PASSWORD
If you believe your Online Banking Identification Number 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 your Bank of Crocker branch during normal business hours, after hours you may e-mail us, or write us at P.O. Box 7, Crocker MO 65452. Quickly telephoning us is the best way of reducing your possible losses. Not all e-mail may arrive at their destinations. We will send an 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.

We may convert your access to Online Banking to inactive status if you do not sign on to the service or have any transaction scheduled through the service during any consecutive (90) ninety day period. If your service is considered inactive, you must contact us to have the service activated before you will be able to gain further access.

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

This Agreement is governed by the laws of the State of Missouri and applicable federal laws.

By clicking on the I Accept button below

1. You represent to the bank that the computer you intend to use in connection with Online Banking meets the requirements above and;
    
2. You agree to receipt of the Online Banking Agreement and;
    
3. You agree to the terms and conditions in the Online Banking Agreement.