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First Federal Savings & Loan Association of Van Wert, Ohio

Agreement and Disclosures

INTERNET BANKING TERMS AND CONDITIONS AGREEMENT

This Agreement describes your rights and obligations as a user of the Online Banking Service and all other services made available online by First Federal of Van Wert, OH, including without limitation the Online Bill Payment Service ("Service" or "Services"). It also describes the rights and obligations of First Federal of Van Wert, OH. Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this Service. If you do not agree to these terms, do not complete your registration for the Services or use the Services.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By selecting the "I Accept" button below, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with First Federal of Van Wert, OH for the provision of certain Online Banking Services, may be in electronic form, and (3) agreeing that certain information that may be delivered in connection with the Services may also be in electronic form.

You are also acknowledging receipt of the following information and agree that:

*You will check your e-mail regularly for Notices from First Federal of Van Wert, OH.

*You will provide accurate, current and truthful registration information and contact information (including your e-mail address) and that you will keep this contact information up-to-date with First Federal of Van Wert, OH.

* We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transaction you conduct using the Service.

* We may provide you revisions and amendments to the Agreement and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service, electronically as a part of the Agreement or otherwise as a part of the Services. While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.

* You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.

* If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address, you may call First Federal of Van Wert, OH at (419) 238-1463, or write a letter and send it to:

First Federal of Van Wert, OH
Attention: Customer Service
P.O. Box 311
Van Wert, OH 45891

* You are able to access information that is provided in the same manner as the information and the Services via the Internet.

DEFINITIONS

The following definitions apply in this Agreement.

"Online Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement.

"Online Account" is a First Federal of Van Wert, OH account from which you will be conducting transactions using a Service.

"Business Day" refers to Monday through Friday, excluding holidays as determined by First Federal of Van Wert, OH. All Online transaction requests received after regular banking hours or on a non-Business day, will be processed immediately, but may not appear in the online history until the following Business Day.

"Password" is a series of numbers, special characters and/or letters that you select after the initial sign-on that establishes your connection to the Service(s). First Federal of Van Wert, OH will provide you with a code for use during the initial sign-on process.

"Time of day" references are to Eastern Standard Time.

"First Federal Savings & Loan Association of Van Wert, OH", "we," "us" or "our" refer to First Federal of Van Wert, OH, which offers the Services provided under this Agreement and hold the accounts accessed by the Services.

ACCESS TO SERVICES

First Federal of Van Wert, OH will provide online instructions describing how to use the Online Banking Service or Online Bill Payment Service. To gain access to this Service you will need your Access ID and your Password.

HOURS OF OPERATION

The Service(s) are generally available 24 hours a day, 7 days a week, except during special maintenance and upgrade periods, which are scheduled between 12:00 am EST Thursday to 6:00 am EST Thursday, and 12:00 am Monday to 6:00 am EST Monday. When this occurs the service(s) will not be available.

FEES

Currently there is no associated fee to access the Online Banking Service or Online Bill payment. If and when fees are assessed a minimum of 30 days notice will be given to Online Banking customers.

USE OF YOUR SECURITY PASSWORD

The safety of our customers' accounts and account information is of paramount importance to First Federal of Van Wert, OH. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your First Federal of Van Wert, OH Access ID, up to the limits allowed by applicable law. While First Federal of Van Wert, OH continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their Access IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No representative from First Federal of Van Wert, OH will ever call or e-mail and ask for your Access ID or User Password; however, if you contact First Federal of Van Wert, OH you may be asked for your Access ID and other personal information to verify your identity.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN

If your Password has been lost or stolen, call First Federal of Van Wert, OH immediately at (419) 238-1463. Telephoning First Federal of Van Wert, OH is the best way of minimizing your losses--- DO NOT USE EMAIL TO NOTIFY US. You may also restore the security of your Service by immediately changing your Password. If you believe your Password has been lost or stolen and you notify us within two Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two Business Days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.

BANKING TRANSACTIONS WITH ON-LINE BANKING

In addition to viewing account information, you may use Online Banking to conduct the following transactions:

* Transfer funds among your linked checking, savings, loans and line of credit accounts.

NOTE: Because regulations require First Federal of Van Wert, OH to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:

* Savings Accounts—Per Federal Reserve Regulation D, during any month, you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a preauthorized, automatic transfer, or telephone transfer (including those through a bank representative), whether initiated by check, draft, debit card, if applicable, or similar order to a third party. This includes online banking account transfers and bill payments. Transactions not within these limitations may result in a fee, or in the closure of your account.

New services may be introduced for Online Banking from time to time. First Federal of Van Wert, OH will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

ONLINE BILL PAYMENT

Pay bills to third party vendors Online from your checking account. (Refer to Terms and Conditions from Online Bill Pay).

STATEMENTS

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

IF YOUR STATEMENT SHOWS TRANSFERS THAT YOU DID NOT MAKE

If your statement shows transfers that you did not make, notify First Federal of Van Wert, OH immediately at (419) 238-1463, or write a letter and send it to:

First Federal of Van Wert, OH
Attention: Customer Service
P.O. Box 311
Van Wert, OH 45891

If you do not notify First Federal of Van Wert, OH within sixty (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if First Federal of Van Wert, OH had been notified in time.

ERRORS AND QUESTIONS

In case of errors or questions regarding an Online Banking or Online Bill Payment transaction, you may call First Federal of Van Wert, OH at (419) 238-1463, or write a letter and send it to:

First Federal of Van Wert, OH
Attention: Customer Service
P.O. Box 311
Van Wert, OH 45891

We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the first statement on which the problem or error appeared. We will need:

* Your name and account number.
* A description of the error or the transfer in question, and an explanation
concerning why you believe it is an error or need more information.
* The dollar amount of the suspected error.
* The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

If we determined that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation.

You agree that First Federal of Van Wert, OH may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by First Federal of Van Wert, OH shall be considered received within three (3) Business Days of the date sent by First Federal of Van Wert, OH, regardless of whether or not you sign on to the Service within that time frame.

LIMIT OF FIRST FEDERAL OF VAN WERT, OH'S RESPONSIBILITY

First Federal of Van Wert, OH agrees to make reasonable efforts to ensure full performance of Online Banking and Bill Pay. First Federal of Van Wert, OH will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but is not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. First Federal of Van Wert, OH is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from First Federal of Van Wert, OH is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. First Federal of Van Wert, OH is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

First Federal of Van Wert, OH is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking and Bill Pay. First Federal of Van Wert, OH will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of First Federal of Van Wert, OH's liability shall be as expressly set forth herein. Under no circumstances will First Federal of Van Wert, OH be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all rights to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

FIRST FEDERAL OF VAN WERT, OH'S RESPONSIBILITY

First Federal of Van Wert, OH will be responsible for your losses, as allowed by law, if they were directly caused by our failure to:

* Complete an Electronic Funds Transfer as properly requested.
* Cancel an Electronic Funds Transfer as properly requested.

However, we will NOT be responsible for your losses if:

* Through no fault of First Federal of Van Wert, OH, you do not have enough money in your account to make the transfer.
* Through no fault of First Federal of Van Wert, OH, the transaction would have caused you to exceed your available credit.
* Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken.
* There is a hold on your account, or if access to your account is blocked in accordance with banking policy.
* Your funds are subject to legal process or other encumbrance restricting the transfer.
* Your transfer authorization terminates by operation of law.
* You believe someone has accessed your accounts without your permission and you fail to notify First Federal of Van Wert, OH immediately.
* You have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the Payee refuses the Service.
* For the failure of any payee to correctly account for or credit the payment in a timely manner.
* We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
* For changes to the payee's address or account number (unless you have advised us of the change within three (3) Business Days in advance).
* We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

ELECTRONIC MAIL (EMAIL)

If you send First Federal of Van Wert, OH an electronic mail message through the Service, First Federal of Van Wert, OH will be deemed to have received it on the following Business Day.

Emails will be answered within a reasonable timeframe.

You should not rely on electronic mail if you need to communicate with First Federal of Van Wert, OH immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur). Please be aware that your electronic mail will not be encrypted. Therefore, do not send any confidential information via electronic mail. You agree that First Federal of Van Wert, OH may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by First Federal of Van Wert, OH shall be considered received within three (3) days of the date sent by First Federal of Van Wert, OH, regardless of whether or not you sign on to the Service within that time frame.

ALERTS/MESSAGES

Internet banking alerts allow you to set up automated alert events based on your own criteria. Alerts may be sent via email or in an online message box within Online Banking, or both. Email alerts will be sent to the email address you provide in creating the alert.

OTHER AGREEMENTS

In addition to this Agreement, you and First Federal of Van Wert, OH agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking service or the Online Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at First Federal of Van Wert, OH, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct any fees related to this Service from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Depositor's Agreement and Terms and Conditions apply to this Service.

MODIFICATIONS TO THIS AGREEMENT

First Federal of Van Wert, OH may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY

A copy of First Federal of Van Wert, OH 's Consumer Privacy Statement is available upon request, or can be mailed to you upon request by calling First Federal of Van Wert, OH at (419) 238-1463, or writing a letter and sending it to:

First Federal of Van Wert, OH
Attention: Customer Service
P.O. Box 311
Van Wert, OH 45891

You can also access our Policy online by clicking on the Privacy Notice link on the First Federal of Van Wert, OH Website (http://www.1stfedvw.com). By registering for the Services as a new member, or registering for a new Service, or continuing to use the Services following your registration, you authorize the collection, use, and disclosure of personal information by First Federal of Van Wert, OH as provided under the thencurrent First Federal of Van Wert, OH Consumer Privacy Statement.

INACTIVITY / TERMINATION

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges (including the Online Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

We may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 180 day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the Online Banking and/or Online Bill Payment Service, you must notify First Federal of Van Wert, OH. Your notification should include your name, address and the effective date to stop the service(s). When Online Bill Payment is terminated, any pre-scheduled bill payments made through Online Banking will also be terminated. Any final charge for the Bill Payment Service will be assessed at the end of your statement cycle. You may notify First Federal of Van Wert, OH by calling 419-238-1463, or by mailing a written request to:

First Federal of Van Wert, OH
Attention: Customer Service
P.O. Box 311
Van Wert, OH 45891

GOVERNING LAW

This Agreement is governed by the laws of the State of Ohio and applicable federal law(s).

FEE SCHEDULE

First Federal of Van Wert, OH offers the benefits and convenience of the Online Banking service and Online Bill payment to you at no monthly charge. Fees and charges to your account such as stop payment charges will be assessed at the rates published in First Federal of Van Wert, OH 's brochure and applicable account disclosures and deducted from your Bill Pay Account or another account you hold at First Federal of Van Wert, OH .

These fees are subject to change. First Federal of Van Wert, OH will notify you in writing regarding any applicable fee changes at least thirty (30) days in advance of the effective date of these changes.

Last Revised: April 29, 2013

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