Online Banking Policy

ONLINE BANKING AGREEMENT

The following information represents the Online Banking Agreement (Agreement between you and The First National Bank and Trust Company of Weatherford, dba First Bank Texas and states the terms and conditions applicable to using the Online Banking Services. When you access or permit any other person to access the Online Banking Services offered by The First National Bank and Trust Company of Weatherford, dba First Bank Texas you agree to the terms and conditions of this Agreement. This Agreement is in addition to any other agreements which may apply to the account(s) you may have with The First National Bank and Trust Company of Weatherford, dba First Bank Texas. Please read this entire document before using the Online Banking Services. As used in this Agreement, the words “we”, “our” and “us” mean the financial institution and any agent The First National Bank and Trust Company of Weatherford, dba First Bank Texas may at its sole discretion, involve in the provision of Online Services, and the words “you” and “your” mean the account holder(s) and anyone with the authority to deposit, withdraw, access Online Services, or exercise control over the funds in the account. (1) Security of our customers’ account information is a priority that The First National Bank and Trust Company of Weatherford, dba First Bank Texas is committed to. The First National Bank and Trust Company of Weatherford, dba First Bank Texas has used state of the art technology in the development of this site to facilitate this security. In order to access the Online Banking Services offered by The First National Bank and Trust Company of Weatherford, dba First Bank Texas, a customer must currently have an account with The First National Bank and Trust Company of Weatherford, dba First Bank Texas. Customers are then required to enter a Customer Access Number, a User Name, and a Password in order to access their information, in addition to using a secure Internet browser. If you do not currently have an account with The First National Bank and Trust Company of Weatherford, dba First Bank Texas and would like to open an account or learn more about other products and services, please visit our home page. Please observe the following guidelines to protect against fraud:

• Do not give out your account information, Customer Access Number, User Name, or Password.
• Never leave your account information out in an open area (including your PC screen) where it could be accessible to others.
• Never send privileged account information (account number, Password, etc.) via any public or general E-mail system.
• Never leave your PC unattended while you are within the Online Services.
• Under no circumstances will a First Bank Texas employee ever request your Password via the Internet or any other type of contact. Do not respond to such a request even if the individual claims to represent First Bank Texas.

In order to maintain secure communications and reduce fraud, you agree to protect the security of your numbers, codes, marks, signs, public keys or other means of identification. We reserve the right to block access to the Online Services to maintain or restore security to our Site and systems if we reasonably believe your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). (2) Virus Protection – The First National Bank and Trust Company of Weatherford, dba First Bank Texas is not responsible for any electronic virus or viruses that your computer may encounter at our site. We suggest that you routinely scan your storage media using a reliable virus product to detect and remove any viruses found. (3) E-Mail – You may contact us using a general or public E-mail with questions pertaining to maintenance and/or problem-resolution issues. Please do not send or request sensitive information such as account numbers, password, financial information, etc. via any general or public E-mail system. E-Mail is not a secure method of communication over the Internet and we recommend you do not send confidential information by e-mail. (4) Service Charges or Fees – Once you are an enrolled user of the Services, you may be charged the applicable Monthly Fee and/or Usage Fee whether or not you use the Services. See the “Schedule of Fees and Charges”. You authorize us to automatically deduct all applicable charges and fees from your primary eligible checking account you have with us. (5) Reporting Unauthorized Transactions – If you believe that an unauthorized transaction has been or may be conducted from your deposit account without your permission, please contact us immediately. (6) Business Days and Hours of Operation – Our business days are Monday through Friday except for Federal Bank Holidays. You can access your account(s) using the Online Services 24 hours a day seven days a week, except during any special maintenance periods. (7) Your Responsibility – You are responsible for all transfers you authorize using the Online Services. If you permit other persons to use the Online Services or your Access Codes, you are responsible for any transactions they authorize from your linked deposit accounts. You should notify us immediately, if you believe any of your accounts have been accessed or your Access Codes have been taken or used without your permission. Telephoning us right away can help you reduce possible losses. To the extent a transaction is an electronic fund transfer you can lose no more than $50 if you notify us within two business days of discovering any unauthorized usage of the Online Services or you Access Codes. However, you can lose as much as $500 if you do not notify us within two business days of discovering the unauthorized use and we can prove that we could have prevented the unauthorized use had we been notified. Further, if you do not report unauthorized transactions that appear on any or your periodic statements within 60 days and after such statements are mailed or electronically transmitted to you, you risk unlimited losses on transactions made after the 60-day period if we can prove we could have prevented the unauthorized use had we been notified within this 60 day period. If a good reason (e.g., a long trip or a hospital stay) kept you from letting us know, we will consider extending the time periods. (8) Our Responsibility – We, or a third party acting as our agent, are responsible for completing fund transfers on time according to your properly entered and transmitted instructions. However, neither we nor the Service Provider will be liable:

• If you do not have adequate money in a deposit account to complete a transaction from the account, or if that account has been closed.
• If you have not properly followed Software or service instructions on how to make a transfer.
• If you have not given complete, correct and current instructions so that a transfer can be made.
• If withdrawals from an Eligible account have been prohibited by a court-ordered garnishment or other legal process.
• If we or our agent reasonably believe that a transaction may be unauthorized and based thereon the transaction is not completed.
• If your Equipment and/or the Software were not working properly and this problem should have been apparent to you when you attempted to authorize a transfer or bill payment.
• If circumstances beyond our or our agent’s control prevent making a transfer or payment despite reasonable precautions that we have taken. Such circumstances include, but are not limited to, computer failure, telecommunication outages postal strikes and other unrest, delays caused by fire, floods, and other natural disasters.

IF YOUR FINANCIAL INSTITUTION OFFERS THE FOLLOWING SERVICES AND YOU USE THESE SERVICES, THESE DISCLOSURES, REQUIRED BY GOVERNMENT REGULATIONS, MAY APPLY TO YOUR STATEMENT. THESE DISCLOSURES ONLY APPLY TO ACCOUNTS THAT ARE CONSUMER PURPOSE ACCOUNTS.

WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT - Consumer Accounts Only

If you think there is an error on your statement, write to us at the address listed on the front of this statement. In your letter, give us the following information:

1. Account information: Your name and account number.
2. Dollar amount: The dollar amount of the suspected error.
3. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whe ther or not there has been an error, the following are true:

1. We cannot try to collect the amount in question or report you as delinquent on that amount.
2. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question, or any interest or other fees related to that amount.
3. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
4. We can apply any unpaid amount against your credit limit.

ELECTRONIC FUNDS TRANSFERS IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS - Consumer Accounts Only

Telephone us at the telephone number or write us at the address listed on the front of the statement as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe there is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (5 business days if the suspected error involves an unauthorized transfer made by use of your Debit Card or 20 business days if the suspected error occurred within 30 days after the first deposit to the account) to do this, we will credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

ELECTRONIC FUNDS TRANSFERS - IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS & ACH Entries - Commercial or Business Purpose Accounts

You agree that you are in the best position to protect against fraudulent and unauthorized transfers and to detect any such or any other error or discrepancy involving your Account or any Payment Order. You must notify us of any error or discrepancy with respect to any Payment Order AT ONCE for Commercial Accounts by the next Business Day from the Settlement Date by our deadline at 12:00 p.m. CT. The Settlement Date is the date on which the payment posted to your Account, or any electronic message or confirmation is sent to you pertaining to the Payment Order. Such notice shall be made by calling (325) 854-1295 (Client Support). In the event you fail to notify us within the timeframe set forth herein, you acknowledge and agree that we shall be relieved of any liability in connection with the Payment Order. 

In the event you receive an ACH Entry that is unauthorized, you acknowledge and agree that you have until the next Business Day from the Settlement Date to return it. The Settlement Date is the date on which the ACH Entry post to your Account. 

In the event you determine that the ACH Entry is unauthorized, we will ask you to provide us with a written statement under t he penalty of perjury and will return the ACH Entry accordingly. You acknowledge and agree that we must receive your written statement to return such ACH Entry by the next Business Day from the Settlement Date by our deadline at 12:00 p.m. CT. The Settlement Date is the date on which the ACH Entry posted to your Account. Notwith standing, you acknowledge and agree that you lose your right to return under the NACHA Operating Rules in the event you fail to notify us of your intent to retur n an unauthorized ACH Entry by the next Business Day from the Settlement Date by our deadline at 12:00 p.m. CT. Under such circumstances, in accordance with NACHA Operating Rules, we may act on your behalf to request a “permissible return” from the financial institution that sent the ACH Entry, but such institution is not required to comply with our request. You agree to hold us harmless from any loss you incur as a result of the unauthorized ACH Entry that is not returned by the next Business Day and deadline set forth herein and in accordance with, the NACHA Operating Rules. 

For inquiries, call your local branch.