the following terms and conditions: 1. Internet Banking Services A. Consumer Internet Banking Services If you are a consumer client of the Bank, the Internet Banking Services will allow you to: perform Account balance and transaction inquiries on checking, savings and money market Accounts. (Note: Balance figures may not

g to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Bank with respect to the Internet Banking Services and that this Agreement supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Bank relating

or are in violation of the NACHA Rules. 14. Positive Pay Services (For Business Clients Only) A. The Positive Pay Service is an elective feature of the Internet Banking Services, available to business clients, which enables you to notify the Bank of all checks you have issued. so that the Bank can, in turn, notify you in the

r any loss or damage incurred by you as a result, directly or indirectly, of any unauthorized person gaining access to, or otherwise making use of. the Internet Banking Services. v. With your agreement we may use a Security Code as a security procedure to prevent unauthorized funds transfers or other payments (requests for

make an electronic funds transfer; n. you have initiated a transaction in violation of the terms of this Agreement o. the billing center option of the Internet Banking Services is not working properly and you know or have been advised by us about the malfunction before you execute the transaction; or p. you or we have term

15. Account Reconciliation Services (For Business Clients Only) A. The Account Reconciliation Service is an elective feature of the Internet Banking Services which enables you to provide the Bank with your deposit records for comparison against the Bank's records. i. Full Account Reconciliation Full Ac