Common use of Access to Internet Banking Clause in Contracts

Access to Internet Banking. You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider, your Access ID/Username and your Password. State Bank Internet Banking consists of an Online banking web site that provides a complete array of financial services. These services currently include the following:  Account inquiries, balances, rates  View detailed transactions  Two months of historical transactions  Account transfers  Various bookkeeping services  Payments to our loan accounts  Transaction Downloads  Online Periodic Statements, for eligible deposit accounts  One-time payments  Occasional payments  Fixed recurring payments  Variable recurring payments Additional services may be available for Online Banking from time to time. By using these services when they are available, you agree to be bound by the rules made available to you concerning these services. State Bank Internet Banking is available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, State Bank's Business Days are Monday through Friday, excluding federal holidays as observed by State Bank. All Online Banking Service transactions executed after 8:00 p.m. on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays on which State Bank chooses to remain closed, will be processed on the next State Bank Business Day. You should strictly maintain the confidentiality of your User ID and Password for Online Banking services. To help prevent unauthorized access and ensure the security of your accounts, your online session may end if there is no activity. This could protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you may be prompted to re-enter your password. In any event you agree to assume responsibility for all transactions accessed through your account up to the limits allowed by applicable law. If you believe your Password has been compromised, call State Bank immediately at 877.867.4218 between 8:30 a.m. and 5:00 p.m. or Saturday between 8:30 a.m. and 12:00 p.m. (Eastern Time). Telephoning is the best way of minimizing your losses. Notify us at once if your User I.D. and Password have been lost, stolen or used without your consent. Failure to notify us immediately could result in the loss of all your funds accessible by your Password. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one). For your protection, you will be required to change your password periodically.

Access to Internet Banking. You will gain access to your Online Accounts through the use of your Internet-enabled device, your Internet Service Provider, your Access ID/Username and your Password. State Bank Internet Banking consists of an Online banking web site that provides a complete array of financial services. These services currently include the following:  Account inquiries, balances, rates  View detailed transactions  Two Twelve months of historical transactions  Account transfers  Various bookkeeping services  Payments to our loan accounts  Transaction Downloads  Online Periodic Statements, for eligible deposit accounts  One-time payments  Occasional payments  Fixed recurring payments  Variable recurring payments  Transfer money between you and others Additional services may be available for Online Banking from time to time. By using these services when they are available, you agree to be bound by the rules made available to you concerning these services. State Bank Internet Banking is available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, State Bank's Business Days are Monday through Friday, excluding federal holidays as observed by State Bank. All Online Banking Service transactions executed after 8:00 p.m. on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays on which State Bank chooses to remain closed, will be processed on the next State Bank Business Day. You should strictly maintain the confidentiality of your User ID and Password for Online Banking services. To help prevent unauthorized access and ensure the security of your accounts, your online session may end if there is no activity. This could protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you may be prompted to re-enter your password. In any event you agree to assume responsibility for all transactions accessed through your account up to the limits allowed by applicable law. If you believe your Password has been compromised, call State Bank immediately at 877.867.4218 between 8:30 a.m. and 5:00 p.m. or Saturday between 8:30 a.m. and 12:00 p.m. (Eastern Time). Telephoning is the best way of minimizing your losses. Notify us at once if your User I.D. and Password have been lost, stolen or used without your consent. Failure to notify us immediately could result in the loss of all your funds accessible by your Password. You could lose all the money in your account (plus your maximum overdraft line of credit, if you have one). For your protection, you will be required to change your password periodically.