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Agreement and Disclosures
Internet Banking Terms and Conditions Agreement 
 
 
This Agreement describes your rights and obligations as a user of the On-line Banking 
Service ("Service"). It also describes the rights and obligations of Investment Savings 
Bank.  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. 
 
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 
Investment Savings Bank for the provision of certain On-line Banking Services, may 
be in electronic form, and (3) agreeing that certain information that may be delivered in 
connection with the Service may also be in electronic form. 
 
You are also acknowledging receipt of the following information and agree that: 
 
* 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 
Service. 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 Service, or to update your information such as a change of address, or email 
address, you may call Investment Savings Bank at (814) 944-0843 or write a letter and 
send it to: 
 
Investment Savings Bank 
Attention: Internet Banking 
P O Box 1965, 1201 Eighth Ave. 
Altoona, PA  16603-1965 
 
* You are able to access information that is provided in the same manner as the 
information and the Service via the Internet. 
 
 
DEFINITIONS 
 
The following definitions apply in this Agreement.  
 
"On-line 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 
 
"On-line Account" is an Investment Savings Bank account from which you will be 
conducting transactions using a Service. 
 
 
"Business Day" refers to Monday through Friday, excluding holidays as determined by 
Investment Savings Bank.   All On-line transaction requests received after 7:00 p.m. 
EST, or on a non-Business Day, will be processed immediately, but will not appear in 
the online history until the following Business Day.  
 
"passcode" is a series of numbers and/or letters that you select after the initial sign-on, 
that establishes your connection to the Service.  Investment Savings Bank will provide 
you with a code for use during the initial sign-on process. 
 
"Time of day" references are to Eastern Standard Time.  
 
"We," "us" "our" or "Investment Savings Bank" refer to [bank], which offers the 
Service provided under this Agreement and holds the accounts accessed by the Service. 
 
ACCESS TO SERVICES 
Investment Savings Bank will provide on-line instructions describing how to use the 
On-line Banking Service. To gain access to this Service you will need your Access ID 
and your passcode. 
 
HOURS OF OPERATION 
 
The Service is generally available 24 hours-a-day, 7 days a week, except during special 
maintenance and upgrade periods, which routinely are scheduled between 12:00 a.m. 
and 5:00 a.m. Monday mornings.  
 
USE OF YOUR SECURITY passcode 
 
The safety of our customers' accounts and account information is of paramount 
importance to Investment Savings Bank. 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 Service or to let anyone know your 
passcode used with the Service. You agree to assume responsibility for all transactions 
initiated through the Service with your Investment Savings Bank User-ID, up to the 
limits allowed by applicable law. While Investment Savings Bank continues to provide 
our customers with the level of on-line security we believe necessary and appropriate, 
customers who share their User-IDs and passcodes are giving up the full benefit of our 
security measures and legal protections to which they may be entitled. No Investment 
Savings Bank representative will ever call and ask for your Access ID or User 
passcode. 
 
IF YOUR passcode HAS BEEN LOST OR STOLEN 
 
If your passcode has been lost or stolen, call Investment Savings Bank immediately at 
(814) 944-0843  between 9:00 AM and 4:30 PM, Monday thru Friday. Telephoning 
Investment Savings Bank is the best way of minimizing your losses. You may also 
restore the security of your Service by immediately changing your passcode. If you 
believe your passcode 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 passcode 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 passcode, and we can prove we could have stopped someone from 
using your passcode 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 On-line Banking to conduct 
the following transactions: 
 
* Transfer funds among your linked checking, savings, money market, loan and line of 
credit accounts. 
 
NOTE: Because regulations require Investment Savings Bank to limit pre-authorized 
transfers (including On-line Banking transfers), the following limitations apply: 
 
* Statement Savings Account-- You can make no more than six (6) transfers per 
statement period by pre-authorized or automatic transfer, or by telephone or On-line 
Banking. 
 
* Money Market Savings Account-- You can make no more than six (6) transfers per 
statement period by pre-authorized or automatic transfer or by telephone or On-line 
Banking, and no more than three (3) of these may be by check, draft or debit card. 
 
* Initiate bill payments.  
 
New services may be introduced for On-line Banking from time to time. Investment 
Savings Bank 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. 

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 Investment Savings 
Bank immediately (814) 944-0843 or write a letter and send it to: 
 
Investment Savings Bank 
Attention: Internet Banking 
P O Box 1965, 1201 Eighth Ave. 
Altoona, PA  16603-1965
 
If you do not notify Investment Savings Bank (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 Investment Savings Bank had been notified in time.  
 
ERRORS AND QUESTIONS 
 
In case of errors or questions regarding an On-line Banking transaction, you may call 
Investment Savings Bank at (814) 944-0843 or write a letter and send it to: 
 
Investment Savings Bank 
Attention: Internet Banking 
P O Box 1965, 1201 Eighth Ave. 
Altoona, PA  16603-1965 
 
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 Investment Savings Bank 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 Investment Savings Bank shall be considered received 
within three (3) Business Days of the date sent by Investment Savings Bank regardless 
of whether or not you sign on to the Service within that time frame. 
 
LIMIT OF INVESTMENT SAVINGS BANK'S  RESPONSIBILITY 
 
Investment Savings Bank agrees to make reasonable efforts to ensure full performance 
of On-line Banking. Investment Savings Bank will be responsible for acting only on 
those instructions sent through On-line Banking which are actually received, and 
cannot assume responsibility for circumstances over which the bank has no direct 
control. This includes but not limited to, the failure or malfunctions in communication 
facilities, which may affect the accuracy or timeliness of messages you send. 
Investment Savings Bank 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 Investment Savings Bank is believed to be reliable. 
However, it can only be provided on a best-efforts basis for your convenience and is 
not guaranteed. Investment Savings Bank 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. 
 
Investment Savings Bank 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 On-line Banking. Investment Savings 
Bank will not be responsible for any errors or failures from the malfunction or failure 
of your hardware or software. 
 
The limit of Investment Savings Bank's liability shall be as expressly set forth herein. 
Under no circumstances will Investment Savings Bank 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 right to 
any of the aforesaid, and you acknowledge that the limit of your remedy is as 
otherwise expressly set forth herein. 
 
INVESTMENT SAVINGS BANK'S RESPONSIBILITY 
 
Investment Savings Bank will be responsible for your actual losses 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 Investment Savings Bank you do not have enough money in your 
account to make the transfer  
* Through no fault of Investment Savings Bank 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 Investment Savings Bank 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 passcode 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 Investment Savings Bank an electronic mail message through the Service, 
Investment Savings Bank 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 Investment 
Savings Bank 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 Investment Savings Bank 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 Investment Savings Bank shall be considered received within three (3) days of 
the date sent by Investment Savings Bank, regardless of whether or not you sign on to 
the Service within that time frame. 
 
OTHER AGREEMENTS 
 
In addition to this Agreement, you and Investment Savings Bank agree to be bound by 
and comply with the requirements of the agreements applicable to each of your On-line 
Accounts. Your use of the On-line Banking 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 Investment Savings 
Bank, 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 
 
Investment Savings Bank may modify the terms and conditions applicable to 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 
Service in whole or in part at any time without prior notice. 
 
DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY 
 
A copy of Investment Savings Bank's Consumer Privacy Statement is available upon 
request at any of our branches, or can be mailed to you upon request by calling 
Investment Savings Bank at (814) 944-0843 or writing a letter and sending it to: 
 
Investment Savings Bank 
Attention:  Internet Banking 
P O Box 1965, 1201 Eighth Ave. 
Altoona, PA  16603-1965 
 
You can also access our Policy online by clicking on the Privacy Policy icon on the 
Investment Savings Bank Website. 
 
 
 
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 On-line Banking privileges 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. 
 
If you are not paying a monthly service charge for the Service, 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 [number] 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 On-line Banking you must notify Investment Savings Bank.  Your 
notification should include your name, address and the effective date to stop the 
service You may notify Investment Savings Bank by one of the following methods: 
 
* By initiating a customer inquiry through our Web site 
* By calling (814) 944-0843 
* By writing a letter and either sending it to: 
 
Investment Savings Bank 
Attention: Internet Banking 
P  O Box 1965,  1201 Eighth Ave. 
Altoona, PA  16603-1965 
 
GOVERNING LAW  
 
This Agreement is governed by the laws of the state of Pennsylvania and applicable 
federal law(s). 
 
 
FEE SCHEDULE 
 
Investment Savings Bank offers the benefits and convenience of the On-line Banking 
service to you at no monthly charge. Account research will be assessed at the rates 
published in Investment Savings Bank's Miscellaneous Schedule Fees Brochure and 
deducted from your account you hold at Investment Savings Bank 
 
These fees are subject to change. Investment Savings Bank will notify you in writing 
regarding any fee changes at least thirty (30) days in advance of the effective date of 
these changes. 
 
 
 
 
Last Revised: November 14, 2006

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