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First Federal Savings Bank

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up for Online Banking.

ONLINE BANKING AGREEMENT, MOBILE CHECK DEPOSIT AGREEMENT AND ELECTRONIC STATEMENT CONSENT AND AUTHORIZATION



ONLINE BANKING AGREEMENT


GENERAL DESCRIPTION OF AGREEMENT
WHAT THIS AGREEMENT COVERS

This agreement between you and First Federal Savings Bank governs the use of our Online Banking service. This service permits First Federal Savings Bank customers (consumers, sole proprietors, and other business customers) to perform a number of banking functions on accounts linked to the service through the use of a personal computer or a mobile device. “You” and “your” refer to the First Federal Savings Bank customer that has enrolled in Online Banking. “We,” “us” and “our” refer to First Federal Savings Bank.
The purpose of this Agreement is to inform you of your rights under Regulation E and the Electronic Fund Transfer Act, if applicable, as well as the features, functionality and appropriate uses of Online Banking. If your deposit account is used primarily for business purposes, please also refer to Section V.

ACCEPTING THE AGREEMENT
When you use Online Banking, you agree to the Terms and Conditions of this Agreement.

RELATION TO OTHER AGREEMENTS
Your use of Online Banking may also be affected by the other agreements between you and us for your deposit or other linked accounts. When you use Online Banking, you are governed by this Agreement as well as the agreements that you already have with us for any account linked to Online Banking. You should review those agreements for any applicable fees, availability of deposits, limitations on the number of transactions that you can make, and other restrictions that may impact your use of Online Banking. This Agreement will control if there is a conflict.

LIMITATION OF SERVICE
We have the right to revoke or refuse access to, or terminate Online Banking at any time, without cause or notice. If we do, you understand that any scheduled transactions will not be made. You will be denied the use of Online Banking if you do not enter the correct logon information. There is a limit on the number of failed logon attempts and your access to Online Banking will be suspended if you exceed these limits.

DEFINITIONS
“Automatic Payment” is a payment scheduled for a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage rent.
“Biller” is the person or company you set up in the BillPay section of Online Banking to receive bill payment or is the person or company from which you receive electronic bills within BillPay.
“Business Day” is every Monday through Friday, excluding holidays.
“Due Date” is the date reflected on your Biller statement for which the payment is due; it is not the late date, nor does it include any grace period.
“Payment Account” is the First Federal Savings Bank checking account from which a bill payment will be debited. You will need to designate a checking account to be the payment account at the time you schedule a payment. All of your eligible checking accounts will automatically be displayed.
“Scheduled Payment” is a payment that has been scheduled through the service but has not been processed.
“Scheduled Payment Date” is the day you want your Biller to receive your bill payment.
“Transfers Outside the Bank” are transfers between your eligible deposit accounts at First Federal Savings Bank and checking, savings or money market savings accounts at other financial institutions in the United Sates that may be owned by you or someone else and are made through the Transfers section of Online Banking.

FREE SERVICES
We do not charge a service fee for the use of Online Banking at this time. However, some services offered through Online Banking, such as stopping a payment of a check, may incur additional service fees. Please see our Service and Fee Schedule for our standard fees and charges.

 

ONLINE BANKING SERVICES


GETTING STARTED

To use Online Banking you must have:
• A computer equipped with a modem and Internet access through an Internet service provider.
• Online Banking logon credentials
• A checking account for BillPay service.
To use Online Banking through a mobile device you must have:
• Downloaded our mobile application
• Logged into Online Banking using a personal computer before using our mobile banking application.

USING ONLINE BANKING
You may use Online Banking to:

• Transfer funds between your First Federal Savings Bank checking, savings, and money market accounts and to personal checking, savings and money market accounts of other First Federal Savings Bank customer from your checking account.
• Transfer funds to personal or business checking, savings and money market accounts at other financial institutions in the United States from your checking account.
• Obtain a credit advance by transferring from your First Federal Savings Bank line of credit account to your First Federal Savings Bank checking or savings account.
• Make a regular payment to your First Federal Savings Bank loan account by transferring the payment amount from your First Federal Savings Bank checking or savings account to your loan account.
• Obtain balance and transaction information for your First Federal Savings Bank checking, savings and loan accounts, including mortgage.
• View the front and back images of recently cleared checks for up to 6 months.
• Perform self-service account maintenance such as placing your own Stop Payment requests.
• Pay bills through BillPay service.
• View your statements online.
• Set up and manage email Alerts regarding your account.
If you are using Personal Financial Management (PFM) software or any other indirect service to access, track, download, or pay bills, the features listed above may not be available or your software may not work in conjunction with Online Banking. To access all of the features and services we offer, sign on directly through our website at www.firstfedindiana.com.

You can use our mobile application to:
• Transfer funds between your First Federal Savings Bank checking, savings, and money market accounts and to personal checking, savings and money market accounts of other First Federal Savings Bank customers from your checking account
• Transfer funds to personal or business checking, savings and money market accounts at other financial institutions in the United States from your checking account.
• Capture electronic images of the front and back of certain checks and to then deposit that check into the account you select. Please review our Mobile Check Deposit Agreement for further details.
• Obtain balance and transaction information for your First Federal Savings Bank checking, savings and loan accounts, including mortgage.
• View the front and back images of recently cleared checks for up to 6 months.
• Pay bills.

USING YOUR PASSWORD
Your password acts as your signature as the owner and sole user of the User ID for your personal Online Banking service. Your Password is an identification code that is personal and confidential. The use of the Password with the service is a security method by which we are helping you to maintain the security of your account(s). Therefore, YOU AGREE THAT YOU WILL NOT DISCLOSE YOUR PASSWORD TO ANYONE AND THAT YOU WILL TAKE ALL REASONABLE PRECAUTIONS TO ENSURE THAT NO ONE ELSE LEARNS YOUR PASSWORD. YOU AGREE THAT IF YOU GIVE YOUR PASSWORD TO SOMEONE ELSE TO USE OR ALLOW THEM TO ACCESS THE SERVICE, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM UNTIL YOU TELL US THAT YOU HAVE REVOKED THIS AUTHORIZATION.

SECURITY, LIMITATIONS AND DOLLAR AMOUNTS FOR ONLINE TRANSFERS
• Automatic and future-dated transactions will be posted to your account on the business day you selected. If you selected a day that is not a business day, the transfer will occur on the next business day. Account statements and balance may not reflect transactions until our posting process is completed.
• You agree to have sufficient funds available in your account at the time you schedule a transfer to occur. If you do not have sufficient funds on the date that the transfer is scheduled, we reserve the right to impost insufficient or unavailable funds, over limit, or transfer fees.
• In order to cancel future-dated or a recurring transfer, you may do so by visiting the pending transfer sections within the Transfers tab. One-time transfers scheduled for the same day may not be canceled. Transfers that are in a processing status may not be canceled.

Transfers between your accounts at First Federal Savings Bank
• You may transfer funds between your checking, savings and money market accounts in any dollar amount between $.01 and $999,999.99.
• Transfers you schedule on a business day before 8:00 p.m. ET will be posted to your account as of that business day.

Transfers to another customer at First Federal Savings Bank
• You may transfer funds between your checking account to checking, savings and money market accounts of other First Federal Savings Bank customer subject to the limits described below.
• Transfers you schedule on a business day before 8:00 p.m. ET will be posted to your account as of that business day. If you make a transfer on a business day after 8:00 p.m. ET or on a non-business day, your transfer will be posted to your account as of the next business day.

Transfers Outside the Bank
• To conduct Transfers Outside the Bank to a checking, savings or money market account at another financial institution you will need to provide the type of account to which the funds will be transferred, whether it is a personal or business account, the routing number of the financial institution and the account number.
• Transfers Outside the Bank will be processed in up to three business days. Funds will be debited from your First Federal Savings Bank account on the business day you direct us to initiate processing the transfer and will typically be credited to the recipient’s account in one to three business days after the transfer is initiated. First Federal Savings Bank cannot guarantee the timely delivery of funds as a result of the failure of another financial institution to act in a timely manner.
• The cut-off time for Transfers Outside the Bank will be 8:00 p.m. ET on a business day. Transfers after the cut off time will be processed on the following business day.

Limits
Depending on the type of transfer, different limits may apply on a per customer and per account basis.
These limits do not apply to payments made through BillPay. BillPay payments can be made in any amount between $.01 and $99,999.99 and may also be used to transfer funds outside of the bank.

FIRST FEDERAL SAVINGS BANK ALERTS
You can now set up Alerts to your email address on file. First Federal Savings Bank Alerts allows you to receive important notifications following specific account activities. Depending on the type of alert, please allow up to two days to receive an alert. You agree that we are not liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert or for any actions taken or not taken by you or a third party as the result of an alert.

RECORD OF TRANSACTION
Details regarding your one-time and future-dated transfers are available in Transfer History or your Pending Transfer section of Online Banking.

STOP PAYMENT FEATURE
You can order us to stop payment on any check that you write from your First Federal Savings Bank checking account through Online Banking using a personal computer. You cannot stop payment on a check if we have accepted, certified, made final payment on or otherwise become accountable for the check, except to the extent required by law. You must allow us a reasonable time to effectuate your stop payment request. Your stop payment request will remain in effect for six (6) months and is subject to our regular stop payment fee. The stop payment feature may not be used with respect to any payment or transfer scheduled through the Online Banking service. Please see our Personal Deposit Account Agreement for other provisions governing stop payment orders.

GETTING STARTED WITH BILLPAY
To use BillPay you must have the following:
• Access to Online Banking, either through a personal computer or mobile device.
• At least one First Federal Savings Bank checking account, of which you are an owner.
• At least one Biller added to your Biller List. All Billers must be added through Online Banking using a personal computer. Billers cannot be added using our mobile banking application.
• An active e-mail account that you regularly use, if you are going to use the e-Bill or reminder notification features.


USING BILLPAY
You may use BillPay to:
Make one-time or automatic payments from your First Federal Savings Bank checking account to companies or individuals, which we refer to as Billers.
Use the Electronic Bills (e-Bills) service to:
• View Biller Statements and detailed information through a personal computer.
• Receive notifications directly to your personal e-mail account when a bill has been received.
Send us secure online mail messages and questions regarding the service through a personal computer.

Terms and Conditions of Bill Payment Service


OTHER TERMS AND CONDITIONS


SERVICE HOURS AND AVAILABILITY

Online Banking services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. Mobile Banking availability depends on the wireless network you use and may not always be available depending on your location.

CHANGES TO AGREEMENT
We may change the terms of this Agreement at any time. We will notify you of the changes as required by law. Your use of Online Banking, including any new or additional service, after the effective date of the change will constitute your acceptance of and agreement to the change.
We may terminate your participation in Online Banking services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obligated to do so.

COMMUNICATIONS
You agree that we may send, by electronic communication, any information required to be sent to you in writing under Regulation E and the Electronic Fund Transfer Act. Electronic mail (e-mail) is not a secure method of communication and it is recommended that you do not send confidential information by e-mail. If you elect e-Bills, reminders or alerts, you acknowledge acceptance of these notifications, regardless of other marketing preferences you may have indicated at First Federal Savings Bank.

COMMUNICATING WITH YOU
From time to time, First Federal Savings Bank may send you e-mail communications relating to Online Banking products, features, services, and activation programs. We may also send you service related or account-specific e-mails.
If your e-mail address changes or if you wish to opt out of non-service related communications, please update your e-mail address within Online Banking.

TRANSFERS FROM MONEY MARKET OR SAVINGS ACCOUNTS
Transfers out of your savings and money market accounts are limited to six (6) per statement period using any combination of transfers made using the service or by telephone, checks, point of sale purchases or other preauthorized or automatic transfer services. This transfer limit includes deductions from your account to pay third parties, overdraft protection transfers and transfers made using Online Banking. Federal law imposes these limits.

CONTACT BY FIRST FEDERAL SAVINGS BANK OR AFFILIATED PARTIES
No First Federal Savings Bank employee, nor any company affiliated with First Federal Savings Bank, will contact you via e-mail or phone requesting your Online User ID and/or Password. If you are contacted by anyone requesting this information, please contact us immediately.

ACCOUNT STATEMENTS
We report your Online Banking transactions on the monthly statements for your linked accounts. A description of each transaction, including whom you paid, the date and the amount of the transaction will appear on your statement, as well as a check number, if applicable.
You have the option to select paperless statements for certain accounts. You can enroll, un-enroll and re-enroll in the paperless option at any time. When you opt for paperless, we will stop sending you a paper version of your statement by regular mail. By selecting paperless, you not only agree to receive your statement online but you also agree to receive certain notices that we send with your statement online. We do reserve the right to send you notices and other documents (including statements if necessary) by the United States Postal Service.
When you select paperless for statement delivery, we will e-mail you when a new statement or document is available online for you to review. You are responsible for keeping your e-mail address current with First Federal Savings Bank and for adding First Federal Savings Bank’s e-mail address to your address book to make sure our e-mails arrive in your inbox.

 

ADDITIONAL PROVISIONS


IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS

Call or write us at the telephone number or address listed in this below, 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. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
• Tell us your name and account number (if any).
• 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 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, a point-of-sale transaction, or a foreign-initiated transfer) 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 three 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.

FIRST FEDERAL SAVINGS BANK
648 NORTH JEFFERSON STREET, P.O. BOX 70
HUNTINGTINGTON, IN 46750
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (260) 356-3311
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

LIABILITY FOR UNAUTHORIZED TRANSACTIONS
Generally. Tell us AT ONCE if you believe your password has been lost, stolen, or compromised or that someone has transferred or may transfer money from your account without permission at the telephone number and address listed above.
If you telephone us, we may require that you send us written confirmation of your notice to be receive by us within (10) business days of your phone call. You agree to cooperate with us in the investigation of any claim or dispute and provide us with information and documentation as may be necessary in order to assist us in resolving your claim or dispute.
You could lose all your money in the account(s), including the available balance in your overdraft line of credit or other credit account(s), if you take no action to notify us of the compromise of your Password. If you notify us of the loss, your liability for unauthorized transfers will be as follows:
• If you contact us within two (2) business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone illegally gained access to and used your Password without your permission.
• If you do NOT tell us within two business days after your 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.
• Also, if your monthly statement shows transactions that you did not make and you do not contact us within sixty (60) days after the statement was mailed (or electronically transmitted) to you, you may not get back any money lost after the sixty (60) days if we can prove that your contacting us would have prevented those losses.

OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSACTION
If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for certain damages proximately caused by our failure unless:
• There are insufficient funds in your account to complete the transaction through no fault of ours or the account has been closed.
• The funds in your account are unavailable.
• The funds in your account are subject to legal process.
• The transaction you request would exceed the funds in your account plus any available overdraft credit.
• Your password has been reported stolen or your service privileges have been suspended.
• We have reason to believe that the transaction requested is unauthorized.
• The failure is due to an equipment breakdown, which you knew about when you started the transaction.
• The failure is due to a loss of power or Internet connectivity during your session where you were not provided, or did no record, your transaction confirmation number.
• The failure was caused by an act of God, fire or other catastrophe, or by an electrical or computer failure or by another cause beyond our control.
• You attempt to complete a transaction using the service which is not a permissible transaction.
• The transaction would exceed security limitations on the use of the service.
• You have not given us complete information or properly followed our procedures on how to complete a transaction.
There may be other exceptions in our Deposit Accounts Terms and Conditions or other agreements between us. In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors.
LIMITATION OF OUR LIABILITY UNLESS OTHERWISE REQUIRED BY LAW: EXCEPT AS OTHERWISE NOTED HEREIN, WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SERVICES DESCRIBED INTHIS DISCLOSURE STATEMENT AND THE SERVICE AGREEMENT, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES. WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SOFTWARE OR THE EQUIPMENT YOU USE TO ACCESS THE SERVICE INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES.

ADDITIONAL PROVISIONS APPLICABLE ONLY TO BUSINESS ACCOUNTS


WHO MAY SIGN UP FOR AND USE THE ONLINE BANKING SERVICES

Online Banking may only be requested and used by the authorized signers of the business. Authorized signers are those individuals who have been appointed to act on behalf of the business and whose names and signatures are on the physical signature card. Each authorized signer may only access those accounts on which he or she is an authorized signer.

PROTECTING YOUR USER IDENTIFICATION AND PASSWORD
You agree to: 1) keep your User ID and Password secure and strictly confidential; 2) immediately notify us of any change in status, or authority, of any authorized signer on record with the bank; and 3) immediately notify us and select a new User ID or Password if you believe your User ID or Password may have become known to or used by an unauthorized person. The bank will have no liability to you for any unauthorized payment or transfer made using your User ID or Password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your use of Online Banking without notice from you if we suspect your User ID or Password is being used in an unauthorized or fraudulent manner.

WHAT PROVISIONS OF THIS AGREEMENT APPLY
Because you are a business customer, all of Section IV and the subsection entitled “Disclosure of Account Information” in Section III do not apply to you.
We do not charge a service fee for the use of Online Banking. However, some services offered through Online Banking, such as stopping payment of a check, may incur additional service fees. See our Fee Schedule for our other fees and charges.

COMMUNICATIONS
You agree that we may send notices and other communications to the current address shown in our records. You further agree that First Federal Savings Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business.


MOBILE CHECK DEPOSIT AGREEMENT

GENERAL

WHAT THIS AGREEMENT COVERS

This Agreement between you and us governs the use of our Mobile Check Deposit service. This service permits you to deposit checks into your accounts using your mobile device. “You” and “your” refer to the customer that has enrolled in First Federal Savings Bank Online Banking. “We”, “us” and “our” refer to First Federal Savings Bank.

ACCEPTING THIS AGREEMENT
When you use our Mobile Check Deposit service, you agree to the terms and conditions of this Agreement.

RELATION TO OTHER AGREEMENTS
Your use of Mobile Check Deposit service is also governed by the Online Banking Agreement and the Deposit Accounts Terms and Conditions between you and us. You should review those Agreements for any applicable fees, availability of deposits, limitations on the number of transactions you can make, and other restrictions that may impact your use of Online Banking, including Mobile Banking.

 

MOBILE CHECK DEPOSIT SERVICE
DESCRIPTION OF SERVICE
The Mobile Check Deposit service allows you to use our Mobile Banking application when you install it on certain devices (including but not limited to smartphones and tablets) to capture electronic images of the front and back of certain checks and to then deposit that check into the account you select.

ELIGIBILITY
In order to use this service, you must be an owner on the account into which you are depositing the check or someone authorized to make deposits on behalf of the owner. Mobile Check Deposits can be made to personal checking and savings accounts, including money market savings accounts, but not to certificate of deposit accounts or any account in your Individual Retirement Account. We may terminate your use of Mobile Check Deposits at our discretion if you violate any of the terms of this Agreement or if checks you deposit using our Mobile Check Deposit service are repeatedly returned to us unpaid. You may deposit personal or business checks, cashier’s checks, money orders, and U.S. Treasury or U.S. Government checks. Additionally, only checks drawn on a bank in the U.S. and payable in U.S. currency will be accepted through Mobile Check Deposit. You cannot deposit any check drawn on the account into which the check is being deposited. In addition, no bonds can be deposited through Mobile Check Deposit.

HARDWARE AND SOFTWARE REQUIREMENTS
To utilize this service, you must be enrolled in our Online Banking service and must sign in to Online Banking at least once. You must also install our Mobile Banking application. Your device must have the ability to capture images of sufficient quality in order to complete the deposit, and we reserve the right to reject any check you try to deposit if the image of the check does not meet our standards. You are responsible for all costs of using our Mobile Deposit Service and operating your device, including any cellular and internet service charges.

RESTRICTIONS
When using Mobile Check Deposit:
• You may only deposit original checks payable to you or, if the account into which the check is being deposited has more than one owner, payable to some or all of the owners of the account, but not to anyone else.
You must endorse the check with your signature,“For FFSB Mobile Deposit Only” and the date on the reverse of the check. Failure to do so will prevent/delay funds from being deposited into your account.
• Under no circumstances are you permitted to negotiate a check you have deposited using Mobile Check Deposit a second time with us (whether through Mobile Check Deposit, at a branch or at an ATM) nor are you permitted to negotiate the same check with any third party, including at another bank.
• You will keep the original check for a minimum of 14 days after submitting the images for deposit and when the check is no longer needed, you will destroy the original check in a secure manner, such as by shredding it.
• You must store the original check in a safe location and take steps to ensure that no unauthorized person can have access to the original check.
• You will not deposit duplicate checks or check copies.
• You will not deposit any check that had previously been returned unpaid.
• You will not deposit ineligible items, such as traveler’s checks, checks in foreign currency, or savings bonds.
• You will only submit items that contain machine-readable MICR data at the bottom of the check.
• You will cooperate with us for any investigation of transactions, including disputed or unusual items and if necessary, will provide upon request and without further cost any original copies of items in your possession and any records relating to the check you submitted for deposit.

RECEIPT OF ITEMS
We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from First Federal Savings Bank that we have received an image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit or credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that First Federal Savings Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

LIMITS
We may place limits on the amount or number (or both) of checks you may deposit using Mobile Check Deposit. You will be notified of said limits on screen when you access the Mobile Check Deposit functionality. If you attempt to make a deposit in violation of these limits, we may accept or reject the Mobile Check Deposit at our discretion. If we accept a deposit that exceeds the established limits, it is still subject to this Agreement.

FUNDS AVAILABILITY
The checks you deposit using Mobile Check Deposit are not considered received by us until we have sent you a message confirming that we have received your deposit. If we receive and accept a deposit before xxxx p.m. Eastern time, we consider that day to be the day of your deposit. If a deposit is received after our cutoff time or on a day that is not a business day, such as on a Sunday, we will consider the deposit to be made as of the next bank business day we are open. Checks deposited using Mobile Check Deposit will be available in accordance with the Funds Availability Policy in our Deposit Accounts Terms and Conditions Agreement.

COMMUNICATIONS
You agree to provide an e-mail address which will be used for notifications around the status of your deposits made through Mobile Check Deposit.

FEES
You are responsible for paying any fees related to this service. We have the right to change the fees for this service at any time. You authorize us to deduct any fees that may be assessed directly from the account in your name into which a deposit is made.

LIABILITY
You are solely responsible for any check you deposit, whether through Mobile Check Deposit or using another means we make available to you. If that check is returned to us unpaid, regardless of when that check is returned and regardless of the reason for the return, we reserve the right to debit your account for the amount of the check. You should take extra care when depositing a check from a person or business you do not know.
We will not be liable to you for any losses of damages other than those solely and directly by our gross negligence or willful misconduct, and our liability will not, in any event, exceed your actual damages. We are not liable for any indirect, special or consequential damages you may incur.
You acknowledge that the service is provided to you “as is” and your use is at your own risk.


ELECTRONIC STATEMENT CONSENT AND AUTHORIZATION

In this Electronic and Statement Consent and Authorization, (the “Authorization”), the terms “You”, “Your” and “Yours” refer to all account holders. The word “Account” means all accounts held at First Federal Savings Bank, such as Checking, Savings, and Home Equity accounts that you access through your online banking.
By accepting this agreement, you will receive electronic account statements instead of statements sent to you by mail and agree to all the terms and conditions set forth in this Authorization. You acknowledge your understanding of, and agreement to, the following terms and conditions:
1. You consent (initially and on an ongoing basis) to receive your account statement in electronic format and authorize First Federal Savings Bank to electronically deliver your account statement.
2. Upon your acceptance of the terms and conditions set forth in this Authorization, First Federal Savings Bank will convert your account statement to electronic statement delivery. Accordingly, you will no longer receive an account statement by US Mail. If at any time you wish to discontinue receiving your account statement electronically, please notify us at (260) 356-3311 or 800-550-3372 and we will convert your statement back to paper format at no charge.
3. Pursuant to this Authorization, First Federal Savings Bank will deliver the e-Statement online through www.firstfedindiana.com for you to access at your convenience. Your e-Statement will be available for your viewing, downloading or printing for a period of 12 months from the date that any such statement is made available to you. First Federal Savings Bank will send you an electronic e-mail message to the e-mail address it has on file for you each time an electronic statement is made available online. You shall be responsible for viewing your e-Statement in a timely manner to comply with any payment due dates, error resolution requirements and time periods, or with any other terms and conditions of your accounts.
4. You will not be charged for the electronic delivery of your e-Statement pursuant to this Authorization. First Federal Savings Bank reserves the right to charge you a fee if you request First Federal Savings Bank to mail or otherwise provide you with a hard-copy of any account statement that already has been provided to you electronically. Please consult our account agreement and disclosure statement for a listing of our current fees, if any, associated with your request for copies of your statement.
5. To obtain access to your e-Statement, you need an Internet Service Provider (ISP) and a Web browser software program that supports a security technology called Secure Socket Layer (SSL). Versions 4.0 and higher of Netscape NavigatorTM, Microsoft Internet Explorer, and America Online (AOL) all support SSL. If you are reading this consent through a personal computer and JavaScript-enabled Internet browser (such as Internet Explorer), you will be able to access your e-Statement without additional software.
6. You agree to maintain a valid, active e-mail address. You shall notify First Federal Savings Bank within ten (10) business days of any change in your e-mail address by using any of these options: 1) call us at (260) 356-3311, 2) change your e-mail address by logging into First Federal Savings Bank’s Online Banking, click on User Options and then E-mail address, or come into any First Federal Savings Bank branch. First Federal Savings Bank is not liable for any third party-incurred fees, other legal liability, or any other issues or liabilities arising from electronic statements or notifications sent to an invalid or inactive e-mail address or postal address that you have provided.
7. By accepting below, you confirm that you meet the hardware and software requirements required for you to access Online Banking and to access, view and print your e-Statement as contemplated under this Authorization.
8. First Federal Savings Bank hereby reserves at all times the right in its sole and absolute discretion to approve of and/or deem whether any account or account holder is eligible for the services set forth in the Authorization.
9. First Federal Savings Bank hereby reserves the right to terminate this Authorization and/or to cancel the ability of any account holder to access any electronic statement at any time without notice or as otherwise allowed by law. If First Federal Savings Bank takes any such action, First Federal Savings Bank shall make the necessary changes to allow for the delivery of any related account statement by mail or as otherwise provided under the original terms of the applicable account agreement and disclosure statement.
10. Your ongoing consent to receive subsequent account statements electronically is voluntary and may be withdrawn at any time. You may withdraw consent at any time by calling us at (260) 356-3311 or 800-550-3372 or by logging into First Federal Savings Bank’s Online Banking and sending us an email request.

I consent to receiving e-Statements on all checking, savings and home equity accounts accessed through my online banking.