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SSB ONLINE AGREEMENT

You may agree to the terms of this agreement by clicking “ACCEPT” at the bottom of this page or click “DECLINE” if you do not accept the terms of this agreement.

What this Agreement covers:   This SSB Online Agreement (the "Agreement") explains the terms and conditions on which SSB Online ("Services" and “On-Line Banking”) are provided. By using SSB Online, you agree to abide by the terms and conditions of this Agreement. Your initial use of SSB Online constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and any other Bank Documents.

Relation to Other Agreements:   Your use of SSB Online to access your accounts does not change the agreement you already have with us on those accounts.  When you use SSB Online to access an account, you do so under the terms and conditions we gave you in the agreement and disclosure for that account.

Definitions:   The terms "we," "us", “our” and "Bank" refer to SSB Community Bank. The words "you" and "your" refer to the person(s) names that appear on the SSB Online enrollment form or the person who actually uses the Services. The term "business day" means Monday through Friday, excluding Saturday, Sunday and holidays. These terms are in addition to the terms and conditions included in any other agreements or disclosures you have been provided governing the banking products and services you may have with us, collectively referred to as "Bank Documents". These "Bank Documents" may be modified from time to time.

On-Line Banking Services:   The Services covered by this Agreement are those that we make available to you through SSB Online. The Services currently include the ability to review and download account information, transfer money between accounts you have with us and communicate electronically with us. We may suspend Services at our discretion. You are responsible for the equipment you use to access SSB Online. It is your responsibility to protect your computer from all computer threats, such as viruses. You are liable for losses stemming from the insecure storage of your Access ID and password information, password sharing and the use of insecure public computers.  Transfers from a savings account or a Money Market account to another account or to third parties by pre-authorized, automatic, or telephone are limited to six per month with no transfer by check, debit card, or similar order to third parties.  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.

Bank Liability:    If we do not complete a transfer to or from your 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: (1) If, through no fault of ours, you do not have enough money in your account to make the transfer.  (2) If you have an overdraft line and the transfer would go over the credit limit.  (3) If the system was not working properly and you knew about the breakdown when you started the transfer.  (4) If circumstances beyond our control (such as fire and flood) prevent the transfer, despite reasonable precautions that we have taken.  (5) There may be other exceptions in our agreement with you.

The Bank agrees to make reasonable efforts to ensure full performance of SSB Online. The Bank will be responsible for acting only on those instructions sent through SSB Online that are actually received and cannot assume responsibility for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of the messages you send.  The Bank is not responsible for any losses or delays in transmission of instructions arising out of the use of any Internet Service Provider or caused by any browser software.  Any information you receive from the Bank can only be provided on a best-efforts basis for your convenience and is not guaranteed.  The 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.  The Bank is not responsible for any computer virus or related problems that may be attributable to SSB Online or to any services provided by an Internet Services Provider.  In the absence of negligence on the part of the Bank, none of, the Bank, its affiliates or any of their respective officers, directors, employees or agents, are responsible for any direct, indirect, special, incidental or consequential damages arising out of the use of SSB Online.

THE BANK MAKES NO EXPRESS OR IMPLIED WARRANTIES CONCERNING THE ON-LINE BANKING SERVICE, INCLUDING BUT NOT LIMITED TO, ANY WARRANTIES OR MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY PROPRIETARY RIGHTS UNLESS, AND THEN ONLY TO THE EXTENT, DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.

Statements:   You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.   If your statement shows an incorrect or unauthorized transaction, you agree to notify us immediately.  You can call us at the number in the Contact Us section of this website.

Confidentiality:   We will disclose information to third parties about your account or the transfer you make: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order to comply with government agency or court orders; or (4) as explained in the separate Privacy Disclosure.

Consumer Liability for Unauthorized Transfers:   Tell us AT ONCE if you believe your Access ID or password has been lost or stolen.  Telephoning is the best way to minimize your possible losses. You could lose all of your money in your account (plus your maximum overdraft line of credit).  If you believe your Access ID or password has been lost or stolen, and you tell us within 2 business days after you learn of the loss, you can lose no more than $50 if someone used your Access ID or password without your permission.  If you do NOT tell us within 2 business days after you learn of the loss of your Access ID or Password, and we can prove that we could have stopped someone from using your Access ID or password without your permission if you had told us, you could lose as much as $500.00.  Also, if your statement shows transfers that you did not make, tell us at once.  If you do not tell us within 60 days after the statement was mailed to you, you may not get back any of the money you lost after the 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 a hospital stay) kept you from telling us, we may extend the time periods.  If you believe your Access ID or Password has been lost or stolen or that someone has transferred, or may transfer money from your account without your permission, you can call us at the number in the Contact Us section of this website, or write us at:

SSB Community Bank, P.O. Box 107, Strasburg OH 44680.

EAlerts/Messages: SSB Online allows you to set up automated alerts based on selections you make. Alerts may be sent via email or in an online message box within SSB Online, or both. Email alerts will be sent to the email address you provide when creating the alert.

Error Resolution Notice:   In Case of Errors or Questions about your Statement or Electronic Transfers, Call/Write us at the number/address found in the Contact Us section of this website as soon as you can.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared and provide us the following:  (1) Tell us your name and account number (if any).  (2) Describe the error or the transfer you are unsure about, and explain  as  clearly  as  you  can  why  you  believe  it  is  an  error  or  why  you  need  more information.  (3) Tell us the dollar amount of the suspected error.  If you tell us verbally, we may require that you send us your complaint in writing within 10 business days.  We will determine whether an error occurred within 10 business days (5 business days for Cash and Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (5 business days for Cash and Check point-of-sale transactions and 20 business days if the transfer involved a new account) 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 the 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.   Your account is considered a new account for the first 30 days after the first deposit is made, unless each accountholder had an established account with us before this account is opened.  We will tell you the results within 3 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 by writing us at the address in the Contact Us section of this website.

Transfers:   Transfers may be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in agreements between you and SSB Community Bank.  If you direct the initiation of a transfer to occur on a day other than a business day, it will be initiated on the following business day.  Transfers between accounts must be scheduled by the following cutoff times in order to be posted the same day: Monday through Thursday - 8pm (CST); Friday 9pm (CST) and Saturday - 5pm (CST). Please note that all times listed here and on SSB Online are (CST). To convert Central Standard Time (CST) to Eastern Standard Time (EST) add 1 hour. E.g. 8pm (CST) = 9pm (EST)

Email Services:    Bank e-mail service is available for SSB Online customers. Bank e-mail may be used only for general, non-urgent communications and may not be reviewed by Bank personnel immediately after they are sent.    If immediate attention is required, Customers must contact Bank by telephone, by mail or in person.  E-mail messages will not serve as a substitute for any requirement imposed on Customer to provide Bank with “written” notice.

Transaction requests and time sensitive information such as transfers from your accounts, stop payment requests, or to report lost or stolen ATM cards, debit cards, access ids or passwords may not be made using bank e-mail.

We reserve the right to terminate Services if e-mail is used for threatening, abusive, obscene, libelous, defamatory or offensive material.  Offensive material includes, among other things, sexually explicit messages or other messages that can be construed to be harassment or disparagement of others based on their race, color, religion, disability, age, sex or national origin.

You may use the Contact Us feature of our web site to notify us of errors on your statements.  You should not consider that we have received your notification unless and until you receive a response from us.  If you do not receive a response from us within two business days, you should resend your message.

Changes in Terms:   Bank may change the terms of SSB Online, including fees that are set forth in this Agreement at any time.  You will be notified of any such change as required by applicable law, either by mail or by an electronic message.  You understand that, by using SSB Online after a change becomes effective and after you are notified of that change, you agree to that change.

Termination:   This Agreement remains in effect until you or the Bank terminates it.  You may cancel this Agreement at any time by sending a notice to SSB Community Bank, P.O. Box 107, Strasburg, OH  44680, Attention:  SSB Online.   The Bank may cancel this Agreement and terminate your use of SSB Online for any reason, at any time. If we terminate this Agreement, no further Online Banking transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers.

Fees:   There are currently no additional monthly service charges or transaction fees for the SSB Online. You are responsible for paying any fees that may be assessed by your Internet Service Provider and for any telephone charges or fees incurred by you while accessing SSB Online. Fees imposed by the bank will show on your bank statement. Bank may modify its fee schedule at any time upon 30 days prior written notice to you.

Transaction Authorization:   SSB Community Bank is entitled to act on instructions received through SSB Online under your password and without inquiring into the identity of the person using that password.

DO NOT DISCLOSE YOUR PASSWORD under any circumstances to anyone claiming to represent the Bank. The Bank's employees do not need to know and should never ask for your password.

You are liable for all transactions made or authorized using your password. If you give your password to anyone, you do so at your own risk. Anyone to whom you give your SSB Online password or other means of access will have full access to your accounts even if you attempt to limit that person's authority. You must notify the Bank to disable your password if you become aware that your password has been lost, stolen or otherwise compromised and that it should not be honored. You are liable for all transactions that you (or if you are using a joint account, any of you) make or authorize, even if a person you authorized exceeds your authority. You hereby release SSB Community Bank from any liability and agree not to make any claim or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account such person is one of the owners of the account. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

Agreement Modification:   The bank has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further SSB Online transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. If we modify this Agreement, your continued use of SSB Online will constitute your acceptance of such changes in each instance.

No Other Use:   SSB Online gives you access to services and information from the Bank.  These services, and the information provided are the property of the Bank.  You may use SSB Online only for your personal use and may not reproduce, sell or distribute all or any portion of the information provided to you by SSB Online.

Severability:   In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal, or unenforceable, the remaining provisions shall remain valid and enforceable.

Governing  Law:     The  terms  and  conditions  of  this  Agreement  shall  be  governed  by  and construed in accordance with the laws of the State of Ohio.  Any issue relating to an account or service with the Bank which you access through SSB Online shall be governed by the laws specified in the agreement for that account or service if there is a separate agreement for that account of service.

Assignment:   The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party.  You may not assign any of your rights or duties under this Agreement at any time.

Entire  Agreement:     This  Agreement  is  the  entire  agreement  between  you  and  the  Bank regarding your use of SSB Online, and it supersedes any prior discussions and agreements between you and the Bank regarding SSB Online delivered to you in writing, verbally or obtained at any branch or department of the Bank or the site of any Internet Service Provider.

Interruptions in Service:   The Bank may on a regular basis perform maintenance on the Bank’s equipment and systems that may result in interruption of the SSB Online.  The Bank will not incur any liability to you as a result of any such interruptions.

BY CLICKING ON THE “ACCEPT” BUTTON, I AGREE THAT I HAVE READ AND COMPLETELY UNDERSTAND THE ABOVE SSB ONLINE AGREEMENT.

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