Agreement - This Agreement is a contract which establishes the rules which cover your electronic access to your accounts at Franklin Savings Bank ("FSB") through I-Bank24 Online and Mobile Banking ("I-Bank24 and I-Bank24 Mobile Banking"). By using I-Bank24, you accept all the terms and conditions of this Agreement. Please read it carefully.

The terms and conditions of the deposit agreement and disclosure for each of your FSB accounts as well as your other agreements with FSB, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of New Hampshire. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and FSB's successors and assignees. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Schedule of Account Fees, constitutes the entire agreement between you and FSB with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

Definitions - As used in this Agreement, the words "we", "our", "us" and "FSB" mean Franklin Savings Bank. "You" and "your" refer to the account holder authorized by FSB to use I-Bank24 under this Agreement and anyone else authorized by that account holder to exercise control over the accountholder's funds through I-Bank24. "Account" or "accounts" means your accounts at FSB. "Electronic funds transfers" means ATM withdrawals, pre-authorized transactions, point of sale transactions, transfers to and from your FSB accounts using I-Bank24, including bill payments. "I-Bank24 Services" means the services provided pursuant to this Agreement, including the Bill Payment Service. "Business days" means Monday through Friday. Holidays are not included.

I-Bank24 Services - You can use I-Bank24 to check the balance of your FSB accounts, view account history, transfer funds between your accounts, view statements, view check images, and pay bills from your FSB checking accounts and pay your FSB loan payments. 

Hours of Access - You can use I-Bank24 seven (7) days a week, twenty-four hours (24) a day, although some or all I-Bank24 services may not be available occasionally due to emergency or scheduled system maintenance. We agree to post notice of any extended periods of non-availability on the FSB I-Bank24 website located at www.fsbnh.com.

Your Password - For security purposes, you are required to create an access ID and password upon your initial login to I-Bank24. 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 accept responsibility for the confidentiality and security of your password and agree to change your password regularly. It is strongly encouraged that you change your password periodically; however, the I-Bank24 System will not automatically prompt you to do so. In addition, if you do not sign into the I-Bank24 System for a period of 180 days, your access to I-Bank24 will be revoked. To re-establish your authorization to use I-Bank24, you must contact us. Upon three (3) unsuccessful attempts to use your password, your access to I-Bank24 will be revoked. To re-establish your authorization to use I-Bank24, you must contact us to have your password reset or to obtain a new temporary password.

Security - You understand the importance of your role in preventing misuse of your accounts through I-Bank24 and you agree to promptly examine your paper/electronic statement for each of your FSB accounts as soon as you receive it. You agree to protect the confidentiality of your accounts and account numbers, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your accounts. Your password, Access ID and Mobile PIN are intended to provide security against unauthorized entry and access to your accounts. Data transferred via I-Bank24 is encrypted in an effort to provide transmission security and I-Bank24 utilizes identification technology to verify that the sender and receiver of I-Bank24 transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the I-Bank24 System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing I-Bank24, or e-mail transmitted to and from us, will not be monitored or read by others.

Fees and Charges - You are responsible for telephone, Internet service fees and mobile service provider fees you incur in connection with your use of I-Bank24.

Posting of Transfers - Transfers initiated through I-Bank24 before 5:00 p.m. Eastern Standard Time on a business day are posted to your account the same day. Transfers completed after 5:00 p.m. Eastern Standard Time on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. Transfers initiated by Access ID and Password can be viewed in the Current Business Day Transaction Menu, the Current Statement Cycle or Previous Statement Cycle Inquiry screens by all Access IDs and Passwords who have account access. All account owners are responsible for all activity even if it creates an overdraft.

Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If your account has insufficient funds to perform electronic funds transfers you have requested for a given business day, then:

a. Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority;

b. Electronic funds transfers initiated through I-Bank24 which would result in an overdraft of your account may, at our discretion, be cancelled;

c. In the event the electronic funds transfers initiated through I-Bank24 which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Limits on Amounts and Frequency of I-Bank24 Transactions - The number of transfers from FSB accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

I-Bank24 Bill Payment Service - You must designate the FSB Checking account from which the payments are to be made; the complete name of the payee, the account number, and the payee's remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment; and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day, your account will be debited the next business day before 5:00 p.m. Eastern Standard Time. By using the I-Bank24 Bill Payment feature, you agree that, based upon instructions received under your password, we can charge your designated account by electronic transfer, "no signature required draft", or by debiting and remitting funds on your behalf. You also agree that all I-Bank24 bill payments will be charged directly to your Primary Checking Account. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you promptly.

Scheduling Bill Payments - You understand and agree that all bill payments should be generated at least  five (5) business days before their due date. These processing time frames do not begin until the business day following the debit from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party, such as the failure of the bill payment payee to properly post a payment to your account.

How to Cancel a Bill Payment - To cancel a bill payment that you have scheduled through I-Bank24, you must delete the entire bill payment on-line via I-Bank24 (by following the onscreen instructions) before 5:00 p.m. EST on the date the payment is scheduled to be debited from your account. You may cancel a bill payment at any time as long as it is not on the payment due date.

Stop Payment Requests - Stopping the payment of a check is different from the cancellation of a bill payment. Once the bill payment has been debited from your account, you CANNOT cancel or stop a bill payment which has been paid electronically. You may be able to stop an I-Bank24 bill payment paid by paper draft by contacting us by telephone before the paper draft has cleared. (You will have to contact us by telephone to determine if the paper draft has cleared.) If the paper draft has not cleared, we will immediately process your stop-payment request and charge your account the appropriate stop payment fee. We will notify you immediately if the paper draft has already cleared. To be effective, this type of stop-payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the confirmation number from the current business day transaction menu.

If you make your stop payment request, we may also require you to put your request in the form of a paper writing and get it to us within fourteen (14) days after you call. You will incur stop payment fees as disclosed in the current Schedule of Account Fees for the applicable account. Stop payment fees for I-Bank24 bill payment paper drafts will be assessed in addition to the stop payment fees for the applicable account.

Disclosure of Account Information and Transfers - You understand information about your accounts or the transfers you make may automatically be disclosed to others. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureaus, in connection with the opening or maintaining of your account or in connection with approving your access to I-Bank24. You agree and hereby authorize all of these transfers of information.

Periodic Statements - You will not receive a separate I-Bank24 statement. Transfers to and from your accounts using I-Bank24 will appear on the respective periodic statements for your FSB accounts.

Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any I-Bank24 Service, increased liability for you, fewer types of available electronic funds transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least twenty-one (21) days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the FSB I-Bank24 website or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic funds transfer system, we will notify you of the change in terms within thirty (30) days after the change becomes effective. Your continued use of any or all subject I-Bank24 Services indicates your acceptance to the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

In Case of Errors or Questions about Your Electronic Transfers, including Bill Payments - Contact us as soon as you can, if you think your paper/electronic statement is wrong, or if you need more information about a transfer listed on your paper/electronic statement. We must hear from you no later than sixty (60) days after we sent or made available to you the FIRST statement upon which the problem or error appeared. When you contact us:

(1) Tell us your name and account number.

(2) Describe the error or 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.

(4) If the suspected error relates to a bill payment made via the I-Bank24 Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent and payment amount. (This information appears on the current or previous statement inquiries.)

If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within ten (10) business days.

We will communicate to you the results of our investigation within ten (10) business days after you contact us 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 provisionally 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 in the form of a paper writing within ten (10) business days, we may not provisionally credit your account.

We will tell you the results within three (3) business days after completing our investigation. If we determine 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. If we have made a provisional credit, a corresponding debit will be made from your account.

Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your account to make a transfer.

(2) If a legal order directs us to prohibit withdrawals from the account.

(3) If your account is closed, or if it has been frozen.

(4) If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.

(5) If you, or anyone authorized by you, commits any fraud or violates any law or regulation.

(6) If any electronic terminal, telecommunication device, or any part of the I-Bank24 electronic funds transfer system is not working properly, and you knew about the problem when you started the transfer.

(7) If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment.

(8) If you have not properly followed the on-screen instructions for using I-Bank24.

(9) If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

Your Liability for Unauthorized Transfers - CONTACT US AT ONCE if you believe your password or mobile PIN has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any).

Also, if your paper/electronic statement shows transfers that you did not make, contact us at once. If you do not tell us within sixty (60) days after the paper/electronic statement was mailed or made available to you, you may not get back any money you lost through transactions made after the sixty (60) day time period 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 contacting us, we may extend the time periods.

Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the I-Bank24 Services provided to you under this Agreement. We do not and cannot warrant that I-Bank24 will operate without errors, or that any or all I-Bank24 Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to I-Bank24; including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of FSB and its affiliates exceed the amounts paid by you for the services provided to you through I-Bank24.

Your Right to Terminate - You may cancel your I-Bank24 service at any time by providing us with written notice by postal mail or fax. Your access to I-Bank24 will be suspended within three (3) business days of our receipt of your instructions to cancel the Service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

Our Right to Terminate - You agree that we can terminate or limit your access to I-Bank24 Services for any of the following reasons:

(1) Without prior notice, if you have insufficient funds in any one of your FSB accounts. I-Bank24 service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.

(2) Upon three (3) business days notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account.

(3) If you have not accessed the I-Bank24 System during any consecutive 180 day time period.

(4) Upon reasonable notice, for any other reason in our sole discretion.

Communications between FSB and You - Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

E-mail -You can contact us by e-mail at mybanker@fsbnh.com (Please note that banking transactions through I-Bank24 are not made via e-mail.)

Telephone - You can contact us by telephone at (603) 934-4445.

Facsimile - You can contact us by fax at (603) 934-7113, Attn: I-Bank24.

Postal Mail - You can write to us at:

Franklin Savings Bank
ATTN: Customer Contact Center
387 Central Street
PO Box 339
Franklin, NH 03235

In Person - You may visit us in person at any one of our locations:

Consent to Electronic Delivery of Notices - You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the Franklin Savings Bank I-Bank24 web site or by e-mail. You agree to notify us immediately of any change in your e-mail address.