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ESSA Bank & Trust

Electronic Banking Agreement and Disclosures

INTERNET BANKING TERMS AND CONDITIONS AGREEMENT

This Agreement describes your rights and obligations as a user of iBank@ESSA (iBank), our online banking service ("Service or Services"). It also describes the rights and obligations of ESSA Bank & Trust (ESSA). 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, or amended thereafter, 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.

This Agreement also describes other auxiliary services available.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By selecting the "I Accept" button, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with ESSA for the provision of certain iBank services, may be in electronic form, and (3) agreeing that certain information that may be delivered in connection with the online banking 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 iBank@ESSA.

· You will provide accurate, current and truthful enrollment information and contact information (including your e-mail address) and you will keep this contact information up-to-date.

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

· 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 transactions 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 the Electronic Funds Transfer Act (Regulation E), Gramm-Leach-Bliley Act (Privacy Notice) 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 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 of the Services.

· You may manage your email address via iBank however 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 , you may email us at iBank@essabank.com, or send a letter via regular mail to:

ESSA Bank & Trust
Attention: iBank@ESSA
200 Palmer Street
P.O. Box L
Stroudsburg, PA 18360-0160

DEFINITIONS

The following definitions apply in this Agreement.

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

"Account " means your deposit and loan accounts with us including but not limited to: checking , savings, money market, certificate of deposit, consumer loans (e.g. mortgage, home equity, auto).

"Available Balance" means the Account Balance as of the time of the inquiry including the adjustments for Pending Transactions.

"Business Day" refers to Monday through Friday, excluding holidays as determined by ESSA. All iBank transaction requests received after regular banking hours or on a non-Business day will be reflected in your online activity but may not appear in your account history until the following Business Day.

"Password" is a series of numbers, special characters and/or letters that you select during enrollment to the Service(s).

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

ESSA Bank & Trust "we," "us" or "our" refer to ESSA Bank & Trust which offers the Services provided under this Agreement and hold the accounts accessed by the Services.

Person(s) subscribing to or using the Services are referred to as "you" or "your".

ACCESS TO SERVICES

iBank will provide online instructions describing how to use our online banking services, Mobiliti and our bill payment services. To gain access to these Services you will need your User ID and your Password.

HOURS OF OPERATION

The Service(s) are generally available 24 hours a day, 7 days a week, except during maintenance and upgrade periods. When this occurs the service(s) will not be available.

Customer Service hours are Monday through Friday 8:30 a.m. - 5:00 p.m.

FEES

Currently there is no fee to access iBank. Refer to our current fee schedule for other fees. We agree to give you at least 30 days notice before the effective date of any change if the change would result in increased fees for any bank service, or increased liability for you, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will provide any required notice of the change in terms to you by e-mail or by U.S. mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. If there is more than one party to the account, notice to any one-account owner will be notice to all. You acknowledge and agree that fees and service charges are governed by each individual account agreement and disclosure.

USE OF YOUR SECURITY PASSWORD

The safety of our customers' accounts and account information is of paramount importance to us. 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 iBank User ID, up to the limits allowed by applicable law. While ESSA continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their User 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 ESSA will ever call or e-mail you and ask for your User ID or User Password; however, if you contact us you may be asked for your User 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 us immediately at 570-421-0531. Telephoning us 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. You can limit your losses by notifying us within two business days of learning of the loss. For complete details of your rights and responsibilities access the Electronic Fund Transfer Disclosure on our website.

BANKING TRANSACTIONS WITH iBank

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

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

· Stop Payment Authorizations - You may complete a stop payment request online. Please refer to our website for current deposit account fees. Check stop payment requests placed after regular banking hours may not be processed until the next business day. Your online request to place a stop payment will be your electronic signature authorization to complete the stop payment order.

NOTE: Because regulations require us to limit pre-authorized transfers (including iBank transfers), the following limitations apply:

· Statement Savings and Money Market Accounts-- You can make no more than six (6) withdrawal transfers per statement period by check, pre-authorized or automatic transfer, telephone or online banking transaction.

· Passbook Savings Account - You may complete balance inquiries and transfers into your account, however; you may not transfer funds from a passbook savings account.

New services may be introduced for iBank from time to time. iBank 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.

MOBILE BANKING SERVICE

Using your Mobile Device and Software, you can:

· View account and transaction information.

· Transfer funds among certain accounts.

· Make payments from your ESSA deposit accounts to your loan accounts.

· Set up electronic alerts.

· Make check deposits into qualifying accounts using Mobile Deposit.

· Schedule, edit, and delete Bill Payments.

· Pay another person using Popmoney® (within Bill Pay).

Refer to Mobiliti Terms and Conditions.

ONLINE BILL PAYMENT

· Pay bills to third party vendors online from your checking account.

· Pay another person using Popmoney ®.

· Transfer funds between your account and accounts at another financial institution using transfer money.

Refer to Bill Pay Terms and Conditions.

STATEMENTS

You will continue to receive your printed account statement, as scheduled unless you sign up for eStatements.

IF YOUR STATEMENT SHOWS TRANSACTIONS THAT YOU DID NOT MAKE

If your statement shows transactions that you did not make, notify ESSA Bank & Trust immediately by emailing us at iBank@essabank.com, by phoning at 570-421-0531, or sending a letter via regular mail to:

ESSA Bank & Trust
Attention: iBank@ESSA
200 Palmer Street
P.O. Box L
Stroudsburg, PA 18360-0160

If you do not notify ESSA Bank & Trust within sixty (60) days after the statement was made available to you, you may not recover any money lost after the sixty (60) days which would not have been lost if we had been notified in time.

ERRORS AND QUESTIONS

In case of errors or questions regarding an iBank or Bill Pay transaction, you may contact iBank via email at iBank@essabank.com, call us at 570-421-0531, or send a letter via regular mail to:

ESSA Bank & Trust
Attention: iBank @ESSA
200 Palmer Street
P.O. Box L
Stroudsburg, PA 18360-0160

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

· Your name and the last four digits of your account number

· A description of the error or the transaction in question

· 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. You can access the Electronic Fund Transfer Disclosure on our website for complete details of your rights and responsibilities.

You agree that ESSA 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 us shall be considered received within three (3) business days of the date sent by ESSA Bank & Trust, regardless of whether or not you sign on to the Service within that time frame.

LIMIT OF ESSA Bank & Trust's RESPONSIBILITY


You understand and agree that the services are provided "as-is," except as otherwise provided in this agreement or as required by law. We assume no responsibility for or usefulness of the services or for the timeliness, deletion, misdelivery or failure to store any user communications or personalization settings. You understand and expressly agree that use of the services are at your sole risk, that any material and/or data downloaded or otherwise obtained through the use of the services are downloaded or obtained at your own discretion and risk and that you will be solely responsible for any damages, including without limitation damage to your computer system or mobile device or loss of data that results from the download or the obtaining of such material and/or data.

Except as expressly set forth on the ESSA Bank & Trust website or in this agreement, we and our service provider disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement of intellectual property or third party rights, and we make no warranty or representation regarding the results that may be obtained from the use of the services, the accuracy or reliability of any information obtained through the services, the accuracy of any information of any information retrieved by us from the online accounts or that the services will meet any user's requirements, be uninterrupted, timely, secure or error free.

Except as described in this agreement, neither we nor our service provider will be liable for any direct, indirect, incidental, special, consequential or punitive damages of any kind resulting from the use of or the inability to use any of the services, any inaccuracy of any information or amount retrieved by us from the online accounts, any breach of security caused by you or a third party, any transactions entered into based on any of the services, any loss of, unauthorized access to or alteration of a user's transmissions or data or for the cost of procurement of substitute goods and services, including but not limited to damages for loss of profits, use, data or other intangibles, even if we had been advised of the possibility of such damages.



ESSA Bank & Trust's RESPONSIBILITY

ESSA 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 ours, you do not have enough money in your account to make the transfer.

· Through no fault of ours, 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 us immediately.

· You have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the Payee refuses the Service.

· Any payee fails 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.

· The payee's address or account number changes (unless you have advised us of the change at least 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 transaction(s) that may not have been completed or to correct incorrect transactions that have been processed.

ELECTRONIC MAIL (EMAIL)

If you send us an electronic mail message through the Service, we will be deemed to have received it on the following business day.

Emails will be answered within a reasonable timeframe.

You should not rely solely on electronic mail if you need to communicate with us 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).

You agree that we 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 us shall be considered received within three (3) business days of the date sent by us, 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, in an online message box within iBank, or both. Email alerts will be sent to the email address you provide in creating the alert.

· The bank may add or remove types of alerts from time to time.

· If you change your email address you are responsible for changing this in the alerts you have already set up.

· You agree that alerts may be delayed or prevented for a variety of reasons.

· We do not guarantee the delivery or validity of the contents of any alert.

· You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert.

· You agree that we shall not be liable for any actions taken or not taken by you or anyone else in reliance of an alert.

· The bank will never include your password or full account number in an email alert; however you understand that alerts may include your name and some information about your accounts.

· Unfulfilled events (events that do not happen) will only remain on the system for 999 days. You will not be notified when they are removed.

· Distributed events (events that have happened and have been viewed) will remain on the system for 30 days.

OTHER AGREEMENTS

In addition to this Agreement, you and ESSA agree to be bound by and comply with the requirements of the agreements applicable to each of your accounts. Your use of iBank services or Bill Pay 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 ESSA, 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 that can be found on our website. 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, or amended thereafter, including but not limited to, the Truth in Savings, Electronic Fund Transfer Disclosure, Deposit Account Agreement apply to this Service.

MODIFICATIONS TO THIS AGREEMENT

ESSA 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) business 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 ESSA Bank & Trust 's Consumer Privacy Statement is available, upon request at any of our branches, or can be mailed to you upon request by calling ESSA Bank & Trust at 800-439-0715 option 6, or writing us at:

ESSA Bank & Trust
Attention: iBank@ESSA
200 Palmer Street
P.O. Box L
Stroudsburg, PA 18360-0160

You can also access our Policy online by clicking on the Privacy Notice link on the ESSA Bank & Trust website www.essabank.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 us as provided under the then-current ESSA Bank & Trust 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 accounts which you access using iBank. We can terminate your iBank privileges (including Bill Pay) under this Agreement without notice to you for any reason; 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 iBank or have any transactions 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 transactions through iBank.

To cancel iBank and/or Bill Pay, you must notify us in writing. Your notification should include your name, address and the effective date to stop the service(s). When Bill Pay is terminated, any pre-scheduled bill payments made through iBank will also be terminated. Your final charge for the bill payment service will be assessed at the end of your statement cycle. These requests should be sent via email to iBank or regular mail at:

ESSA Bank & Trust
Attention: iBank@ESSA
200 Palmer Street
P.O. Box L
Stroudsburg, PA 18360-0160

GOVERNING LAW

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

Date of last update - 05.14.15

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