Description of Internet Banking Services EBank’s consumer and business customers enjoy the benefit of using our internet banking services with no monthly or annual fees.  a) Account Information  You can specifically obtain the following information: Certain account history for the current and previous statement cycles. You may also export this information directly to your computer through such formats as Quicken, Microsoft Money or Excel.

Interest information on your interest-bearing deposit accounts and loan accounts.

Account-related information such as the current balance on accounts, loan payment amounts, payment due dates and certificates of deposit maturity dates. 

b) Funds Transfers
You may conduct the following transfers between your EBank accounts:
	Transfer funds from checking to checking
	Transfer funds from checking to savings
	Transfer funds from savings to checking
	Transfer funds from savings to savings
	Make loan payments from checking or savings

You may make arrangements for one time, on demand transfers or loan payments, or make scheduled transfers to occur in the future or on a recurring basis. Although you can enter transaction information through our online banking service twenty-four (24) hours a day, seven (7) days a week, payments can be initiated only on business days. Funds will be deducted from your Account on the business day on which the transaction is to be “initiated”. This is the “transaction date”. If you direct the initiation of a transaction to occur on a day other than a business day, it will be initiated on the following business day.

You will be provided a confirmation number with each transfer. Please write down this number when you receive it. It will help resolve any questions you may have concerning your transaction.

Bill Pay Transactions
Enrolling in EBank's online banking (on.line) does not automatically enroll our customers in EBank's bill pay programs (eTRAN and eTRAN Plus). Bill pay is a separate service and may be established by clicking on the bill pay link within the online banking site. For specific information regarding eTRAN programs read the Consumer Terms and Conditions within our bill pay site.

Equipment and Software
To access Earlham Bank on.line and to receive electronic disclosures, you must have an active account with an Internet Service Provider (ISP), Internet Explorer or Netscape with version number(s) 6.0 and above with 128 bit encryption, and an external e-mail address. We may revise hardware and software requirements at anytime after providing you 30 days advance notice and providing you the opportunity to change your method of receiving disclosures without the imposition of any fees. You are responsible for, at your expense, obtaining, installing, maintaining and operating all equipment you use. We do not warrant nor will we be responsible for any errors or failures from the malfunction or failure of your equipment. You agree that Earlham Savings Bank is not responsible for any electronic virus that you may encounter using Earlham Bank on.line.

Hours of Operation
You can access Earlham Bank on.line through the Earlham Savings Bank website, 24-hours a day. However, at certain times, some or all of the service may not be available due to system or internet maintenance. 

A transfer between deposit accounts initiated through Earlham Bank on.line before 6:00 p.m. Central Time on a business day we are open will be posted to your account on the same business day. Transfers initiated after 6:00 p.m. on a day we are open or on a Saturday, Sunday, or a federal holiday, will be posted on the next business day. Credits to loan accounts initiated through Earlham Bank on.line may take up to two business days to post.

Correcting or Canceling Your Transaction
You cannot cancel your transfer after it has been entered in online banking and the information transmitted to us. However, you can correct information about a transfer before you send us the information or you can use Earlham Bank on.line to make an off-setting transaction after it has been entered.

Your User Code and Password
Each individual who has access to Earlham Bank on.line, including each individual named on joint accounts, must use a user code and password. User codes and passwords should never be shared. You agree that if this information is shared with others, you are ultimately responsible for any account transactions that occur. To initially access Earlham Bank on.line you will use a temporary password which will be assigned by the Bank. User codes and temporary passwords will be mailed to you at the address we have on record within 24 hours, excluding Saturday, Sunday and Federal Holidays, of receipt of your electronic application. User codes and passwords will be given to you at the time of application when setting up online banking in person at any of four convenient locations. The first time you access Earlham Bank on.line, you will be required to change your password. Your password must be a minimum of eight characters, up to 17 characters, which must consist of at least two numeric and two alpha characters (all lower case). For example, your password may be: 123online. You are encouraged to change your password periodically to enhance security or anytime you feel security has been breached.

Business/commercial customers must be authorized signers on all accounts in which business is transacted. By signing up for online banking and representing your organization/business you agree to be responsible for the user code and password associated with the account. You agree that if this information is shared with others, you are ultimately responsible for any account transactions that occur. It is highly recommended that passwords not be shared with other employees or officers representing the organization. You agree that in the event you leave employment or your position, that you will notify the bank immediately so that your password may be removed from the system.

Unauthorized Access
Tell us AT ONCE if you believe your user code or password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone used your user code or password without your permission. If you believe your user code or password has been stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your user code or password without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your user code or password, and we can prove we could have stopped someone from using your user code or password without your permission if you had told us, you could lose as much as $500. 

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (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.

If you believe your user code or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:
(515) 223-4753 during normal business hours as listed in this agreement, or write: Earlham Savings Bank, 7300 Lake Drive, West Des Moines, Iowa 50266. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN USER CODES OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.

We reserve the right to block your access to Earlham Bank on.line to maintain or restore security to our web site and systems, if we reasonably believe your password has been or may be obtained, is being used or may be used by an unauthorized person(s).

Holds
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. You agree that you will instruct us to make a transfer only when a sufficient balance is or will be available in the designated account at the time of the transfer. You understand that we will not act on any transfer instruction from you if sufficient funds are not available in the account that you designated.

Financial Institution Liability
If we do not complete a transfer to or from you account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

Restrictions on Transfers from Savings and Money Market Accounts
Your ability to make transfers from your savings accounts and money market account is restricted by Federal Reserve Board Regulation D. For each savings/money market account, you are prohibited from making more than six pre-authorized or automatic transfers per statement cycle. Pre-authorized or automatic transfers include transfers made through ONLINE services. No more than three of these six may be made payable to third parties, such as checks, bill payments, ACH transfers or debit card entries. The following transfers do NOT count towards these limits:

Once a savings account or money market account has violated the Regulation D limits, Earlham Savings Bank will notify you and may convert the account to an account allowing unlimited activities. In addition, if you exceed limits, additional charges may apply. See your account disclosure for further information.

Limitation of Liability Relating to Available Online Services
Except as otherwise provided in this Agreement or otherwise expressly provided by applicable law or regulation, you agree that neither Earlham Savings Bank nor any party that provides Internet access or provides equipment used to access Earlham Bank on.line services or any agent, independent contractor, or subcontractor of any of the foregoing will be liable for any loss, injury, or damage including without limitation, direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort or any other theory of liability, arising in any way from the installation, use or maintenance of the Earlham Bank on.line services or the Internet access provider used to access the available Earlham Bank on.line services, or the equipment used to access the available online services including, without limitation any loss, injury or damage relating to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line failure or unauthorized interception for access to your communication with us, even if we or the Service Providers are aware of the possibility of such event.

Periodic Statements
You will receive a monthly account statement from us for your checking and money market deposit accounts. You will receive a monthly account statement from us for your savings accounts that have been linked to your checking account or if there are electronic funds transfers from the savings account in a particular month. In any case, you will receive a savings statement at least quarterly. These printed statements will detail your Internet Banking activities.

If you wish to view check images before your statement is mailed, they may be viewed online for $.30/each plus sales tax.

Error Resolution
In case of errors or questions about your electronic transfers telephone us at 515-223-4753, write us at Earlham Savings Bank, 7300 Lake Drive, West Des Moines, Iowa 50266, 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. 

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 after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 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 within 10 business days, we may not credit your account.

For errors involving new account, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. 

We will tell you the result 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.

Earlham Savings Bank
7300 Lake Drive
West Des Moines, IA 50266
Business days: Monday through Friday
(Excluding Federal Holidays)
Phone: (515) 223-4753

Termination
This agreement continues in full force and effect until terminated. You may terminate this Agreement and your use of Earlham Bank on.line services at any time by calling our internet department (515) 223-4753 or by sending a written termination notice to Earlham Savings Bank at 7300 Lake Drive, West Des Moines, Iowa 50266. You authorize us to complete fund tranfers until we have had a reasonable opportunity to act upon your termination notice.

This Agreement and your use of Earlham Bank on.line services will be terminated automatically if your account (s) are closed or access to your account(s) is restricted for any reason. The Agreement and your use of Earlham Bank on.line services may be terminated at any time without prior notice due to insufficient funds in one of your accounts. We reserve the right to temporarily suspend Earlham Bank on.line services in situations deemed appropriate by us, at our sole and aboslute discretion, including when we believe a breach of system security has occurred or is being attempted We may consider repeated incorrect attempts to enter your user code or password as an indication of attempted security breach. Termination of the services does not affect your obligations under this Agreement with respect to occurrances before termination.

You must use your user code and password at least once during the first 30 days of activation. Thereafter, your user code and password will expire after 90 days of inactivity. You must use the internet services provided at least once every 90 days to keep you account active. In the event your account is terminated due to inactivity, contact our Internet Department at 515-223-4753 and they will discuss the steps required to reinstate your agreement. There will be a $15.00 fee, plus sales tax, to reactivate online banking.

Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other terms described in this Earlham Bank on.line Agreement. When changes are made to any fees, charges, or other material terms, we will electronically update this Earlham Bank on.line agreement and either an e-message or a postal mailing will be sent to you at the address shown on our records at least thirty(30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount, or frequency of transactions, or any increase in your responsibity for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days before the change. As always , you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgement, to waive, reduce or reverse charges or fees in individual situations.

Security Procedures
By accessing Earlham Bank on.line, you hereby acknowledge that you will be entering a protected web site owned by Earlham Savings Bank, which may be used only for authorized purposes. The Bank may monitor and audit usage of the System and all persons are hereby notified that use of the Services consititutes consent to such monitoring and auditing. Unathorized attempts to upload information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

For additional security information, please see our Security Statement posted on our web site.

Confidentiality
Please see our Privacy Policy for information concerning confidentiality. Earlham Savings Bank respects our customer’s confidentiality and we restrict access to nonpublic personal information about you to those employees who need to know that information to provide procedures or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Click Here for Web Application.

Click Here for Printed Application.