Terms, Conditions, and Disclaimers

The following are First Federal Savings Bank’s terms, conditions, and disclaimers. By accessing this web site, you agree to be bound without modification to all of the following terms, conditions and notices.

First Federal Savings Bank has made every effort to provide accurate and timely information. However, due to the possibility of technical inaccuracies, typographical errors, as well as other factors, First Federal Savings Bank cannot be held responsible for any errors or omissions. First Federal Savings Bank shall not be liable under any circumstances to user and/or any third party for any direct, indirect, consequential, incidental, punitive, or exemplary damages, including lost profits (even if we are advised of the possibility) arising in any way from the information contained in this web site. First Federal Saving Bank is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this web site. The information published on this site is provided as a convenience to visitors and is for informational purposes only. If you need specific details about any information contained in our site, you should contact First Federal Savings Bank by email or call 800-422-3372.

The products and services described on this web site are available only in the United States. Products and services are not available in all geographic areas. The product and services and the applicable terms and conditions may change at any time.

First Federal Savings Bank reserves the right to change these web site rules and modify the contents of this web site without notice.

Other Sites

This web site may contain links to other sites on the Internet. Links to other sites are provided for your convenience and are not under the control of First Federal Savings Bank. Such links do not imply First Federal Savings Bank’s approval or endorsement of that site or its products or advertisements. Access to any other web sites linked to this site is at the user’s own risk.

Links to this web site are not permitted without the prior consent of First Federal Savings Bank.

Disclosure

Product information contained on the First Federal Savings Bank web site does not take the place of required disclosures. For appropriate disclosures on personal and loan accounts required under applicable federal and state regulations, please contact us at 800-422-3372.

Warranty Exclusions

First Federal Savings Bank makes no warranties or representations as to the accuracy or completeness of the information contained on this web site. Products and services are provided “as is” and “as available” without any warranty of any kind, either expressed or implied.

By transmitting information through this web site, you accept the risk that the information you transmit to us and any information that we transmit to you may be intercepted by third parties.

Calculators

This web site contains calculators provided as a service to users, for educational purposes only.

First Federal Savings Bank does not guarantee the accuracy of these calculators and their applicability to your circumstances. First Federal Savings Bank is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use of such calculators.

Email

Email messages sent to First Federal Savings Bank may not be secure. We recommend that you do not use email to send us confidential information. Please call us at 800-422-3372. If you choose to send any confidential information to us via email, you accept the risk that this information may be intercepted by a third party.

Copyright

The contents contained within this web site are the property of First Federal Savings Bank. Users are prohibited from modifying, copying, downloading, publishing, or transferring without permission of First Federal Savings Bank

Your Rights and Responsibilities

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

ATM TRANSFERS – TYPES OF TRANSFERS, DOLLAR LIMITATIONS, AND CHARGES – You may access your account(s) by ATM using your MasterCard® Chip Card and personal identification number, or by accessing our Bank-by-Phone System to:

• Make deposits to checking or savings account(s) with a debit card or ATM card^*
• Get cash withdrawals from checking or savings account(s) with a debit card or ATM card^**
• Transfer funds from savings to checking account(s) or checking to savings account(s) with a debit card^*, Bank-by-Phone, Online Banking, or ATM card
• Get information about account balances with a debit card*, Bank-by-Phone, or Online Banking

^*There is a fee of $2.00 per deposit, withdrawal, or inquiry at all ATMs we do not own. All ATMs that we own or operate are identified as our machines.
^**You may withdraw no more than $400 per day per card. There is a charge of $2.00 fee per withdrawal at all ATMs we do not own

Some of these services may not be available at all terminals. Please also see LIMITATIONS ON FREQUENCY OF TRANSFERS section regarding limitations that apply to ATM transfers.

TYPES OF MASTERCARD^® CHIP CARD POINT-OF-SALE TRANSACTIONS - You may access your checking or savings account(s) to purchase goods (in person or by phone), pay for services (in person or by phone) get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).

MASTERCARD^® CHIP AND POINT-OF-SALE TRANSACTION – DOLLAR LIMITATIONS – Using your card you may not exceed $4,000.00 in transactions per day per card. Please also see LIMITATIONS ON FREQUENCY OF TRANSFERS section regarding limitations that apply to debit card transactions.

Fees

We do not charge for direct deposits to any type of account. We do not charge for pre-authorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers.

Refer to our Schedule of Fees under the Deposits Tab.

Limitation on Frequency on Transfers

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: Transfers from a savings or money market account to another account or to third parties by pre-authorized, automatic, telephone, or online banking transfer are limited to six per month with no more than three by debit card or similar order to third parties.

Documentation

TERMINAL TRANSFERS – You can get a receipt at the time you make any transfer to or from your account using one of our ATMs.

PRE-AUTHORIZED CREDITS – If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money. You may call our Bank-by-Phone 24 hour service at 800-488-1414 to verify that any pre-authorized transactions have occurred. This information is also available through the Online Banking Service.

PERIODIC STATEMENTS – You will get a monthly account statement from us for your checking account(s). You will get a monthly account statement from us for your savings or money market account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

Pre-Authorized Payments

Right to stop payment and procedure for doing so

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed below in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of varying amounts

If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment when it will be made and how much it will be. You may call our Bank-by-Phone 24 hour service at 800-488-1414 to verify that any pre-authorized transactions have occurred. This information is also available through the Online Banking Service.

Liability for failure to stop payment of pre-authorized transfer

If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Financial Institution’s Liability

Liability for failure to make transfers

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:

• If, through no fault of ours, you do not have enough money in your account to make the transfer
• If you have an overdraft line and the transfer would go over the credit limit
• If the automated teller machine where you are making the transfer does not have enough cash
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
• There may be other exceptions stated in our agreement with you

Confidentiality

We will disclose information to third parties about your account or the transfers you make:

• Where it is necessary for completing transfers; or
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
• In order to comply with government agency or court orders; or
• If you give us written permission

Unauthorized Transfers

Consumer liability

Tell us at once if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping possible losses down.

Contact in event of unauthorized transfer

If you believe your card and/or code has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number listed below.

Error Resolution Notice

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number
• 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
• Tell us the dollar amount of the suspected error

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days, (5 business days for MASTERCARD® Chip 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 MASTERCARD® Chip Card 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 our 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 of you already has an established account with us before this account is opened. We will tell you the results within three 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.

First Federal Savings Bank

P.O. Box 527
Rochester, IN 46975-0527
www.firstfederalbanking.com

Business Days: Monday through Friday
(Holidays are not included).

Phone: 800-422-3372

Bank-by-Phone: 800-488-1414

To report your MASTERCARD^® Chip Card lost or stolen after hours, you may call: 800-472-3272
Outside United States, call collect: (973) 656-2345

More detailed information is available upon request.

Online Banking

Types of Account Access

You access your account(s) by using a unique password of your choice. You may use the system to:

• View your current deposit and loan accounts
• View several months of transaction history for each account
• Transfer funds between accounts. Transfers from a savings or money market account to another account or to third parties by pre-authorized, automatic, telephone, or online banking transfer are limited to six per month with no more than three by debit card or similar order to third parties.
• Pay bills (through your checking account only). This feature allows scheduling of recurring payments and verification of past payments. First time users will need to complete the online registration form and receive confirmation from First Federal Savings Bank before online usage may begin.
• Create custom reports on account activities
• Change your password and customize the Online Access Service
• Keep in touch with First Federal Savings Bank through email services

Contact our BILL PAYMENT SERVICE PROVIDER as soon as possible if you discover an error, such as an unauthorized, incorrect or erroneous transaction, or if you believe that your accounts were or may be accessed by an unauthorized person, or if you need more information about a transaction listed on your statement or account summary. Identify your name, account number, and why you believe that the error exists. Include, to the extent possible, the date, type, and amount of the error. They can be reached at 800-823-7555. Monday-Friday 7:00 a.m. to 9:00 p.m. CST Saturday 8:00 a.m. to 5:00 p.m. CST

This agreement and disclosure explains the rules and regulations that govern your online transactions with First Federal Savings Bank. All parties to this agreement, including anyone you authorized to access your accounts through our Online Banking System, agree to comply with the rules, regulations and operating policies that apply to our electronic banking services. The rules and regulations that govern the accounts that you elect to make eligible for access by these services will remain in effect. Whenever you use our services or permit any other party to use our services, you are agreeing to the terms and conditions as stated in this agreement and any amendments we may make to this agreement from time to time. After a thorough review of the information contained in this agreement, you should make a copy for your records.

Browser Requirements and System Access

To access the online banking product on First Federal Savings Bank’s web site, it requires the utilization of the current version or the version previous of Firefox browser or Internet Explorer browser. If you do not have the current version of either of these browsers, they are available for you to download free from our Online Banking Log In page. Our systems will be available 24 hours a day, seven days a week unless we are conducting necessary maintenance or upgrades. When you log onto the Online Banking System, the first thing for you to do is to register for the service, using your social security number and a password of your selection. First Federal Savings Bank will confirm your enrollment within five business days of receipt of your application. You will receive, via the U.S. Mail, a welcome packet that will include a “financial institution access key code” assigned to you to be used in your initial sign onto the Online Banking system. We recognize the confidence that you have and trust that you place in First Federal Savings Bank to keep your information secure. We have selected the AXIS™ Internet Account Access service from Digital Insight based on their approach to security, which allows you to access your account information via the Internet without having our primary records on the Internet.

Online Banking Transactions

Our Online Banking service will allow you to perform the following transactions on your eligible accounts after you have logged onto the system using your social security number and your personal password.

• Obtain account balances – the account summary screen shows the previous day’s balance information on your checking, savings, certificates and loan accounts
• Review account history
• Transfer funds between your First Federal Savings Bank accounts – your transfer will take place immediately, provided there are no holds on your accounts and the funds are available. If you are making the transfer outside of normal business hours, then the transfer will be posted on the following business day. Transfers from a savings or money market account to another account or to third parties by pre-authorized, automatic, telephone, or online banking transfer are limited to six per month with no more than three by debit card or similar order to third parties.
• Make your mortgage loan and installment loan payments, which will be credited the following business day.

You are liable for all transactions made or authorized with the use of your online banking personal password. If you give your password to anyone or fail to protect its identity, you accept the responsibility and release First Federal Savings Bank from any liability for any transactions that occurred with the use of your password. Your password can be changed as often as daily, but it will be required to change every 90 days for your added protection.

Bill Payment Service

The first time you access Bill Payment, you will be prompted to accept the following disclosure, which you should review carefully and retain a copy for your records. Acceptance of these terms and conditions is required to access Bill Payment. The enrollment process usually takes at least five business days from the time you submit an application. After approval, you will receive an activation email and you can then access Bill Payment. You will designate one First Federal Savings Bank checking account you wish to be charged for your authorized transactions. Once your payment account has been selected, it cannot be changed online.

Payment Requirements

We will only accept requests for payments to payees that meet the following requirements:

• The payee must not conduct illegal activities, or be on the Office of Foreign Assets Control (OFAC) list
• The payee must reside in the United States, territories of the United States, or U.S. military bases
• We reserve the right to reject payment requests to certain parties at our sole discretion

Our Bill Payment system is a “Pay Anyone Model”, which lets you make payments to anyone, whether electronically or by paper check. You should not use the Bill Payment system to pay for securities purchases, court ordered payments or any tax payments. Bill payment does not process single payments over $9,999.99. If a payment is requested above this dollar amount, the payment will be rejected and will not be processed. You are responsible for maintaining accurate payee information and schedules for your bill payment account.

We reserve the right to cancel your access to the Bill Payment service after 90 days of inactivity.

Payment Processing

You may access the Bill Payment System anytime to create new payees and schedule payments. Our Bill Payment processor recommends setting the processing date for payment as follows:

• Three business days for an electronic funds transfer
• Up to five business days for a paper check

You can set up a single payment, or recurring payments to be made on a weekly, biweekly, monthly, quarterly, semi-annual or annual basis. Every time you add a new payee to the list, you will be able to schedule a payment at the same time. We will debit your account within three to five days of your payment schedule date by direct ACH debit through Federal Reserve banking channels. Scheduled payments with processing dates that fall on a weekend or bank holiday will be processed on the preceding business day. New payments set up on a weekend or bank holiday will be processed on the next business day. Your checking account must always have sufficient funds available when we process payments that you have scheduled. Failure to maintain sufficient funds in your payment account will result in your Bill Payment account being blocked. This prohibits any and all scheduled payments being processed until the issue is resolved.

Cancel Payments

You may cancel a pending payment at any time before the processing date. Simply go to the pending payments screen, select the payment to be canceled, and click “Delete Payment”. Payments can only be canceled when they are still listed on the Pending Payments screen.

Stop Payment

We cannot accept a request for Stop Payment on an electronic payment. We can only issue a stop payment on transactions sent via check and then only if the check has not been cashed. If you contact our bill paying agent at 800-823-7555, and if they accept your stop payment request, you will be charged the stop payment fee in effect at that time. You should avoid using the Bill Payment service if you believe you may want to stop payment on an item that will be settled electronically.

Customer Service

You should contact Bill Payment Customer Service at 800-823-7555 for the following issues:

• Questions concerning research of a bill payment processing issue. Please have your confirmation number available
• Stop payment request
• Any transaction that returns a confirmation indicating an unsuccessful status
• Unable to add an electronic payee due to an unsupported account number format
• A late fee you are billed and you do not believe it is your fault. If it is the fault of our process, the late fee will be refunded to you and a letter of explanation will be provided to the payee as needed.

You should contact First Federal Savings Bank with the following issues:

• Questions on how to use the Bill Payment system
• Questions about Bill Payment terms and conditions
• To cancel Bill Payment

Liability

First Federal Savings Bank and its agents will make every effort to process your payments in a timely and accurate manner. We will not be responsible for problems that may develop as a result of your failure to maintain sufficient funds in your account. You are also responsible for any incorrect information provided by you or errors you may have made in setting up your payments. You are responsible for the full amount of any bills paid on your behalf and any related late charges and insufficient funds charges that are the result of your error. Failure to resolve such issues will result in the termination of your service.

Liability for failure to stop payment of pre-authorized transfer

If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Fees and Charges

There is no charge for the use of our Online Banking System or Bill Payment Service. Charges such as stop payment fees will remain in effect. Any charges assessed by the use of our bill payment agent will be deducted from your account by us.

Statements and Notices

Your statements and any notices will continue to be mailed to you at the address we have on file for your accounts. You must notify us immediately if you have a change of name or address. All transactions that are made through Online Banking will appear on these statements.

Please make yourself familiar with your rights and responsibilities for online banking as described in our Electronic Fund Transfer disclosure.