First National Bank of Nassau County

First National Bank of Nassau County Internet Banking Disclosure
Please read the following information before continuing.

Thank you for your interest in First National Bank of Nassau County's Internet Banking product. Our primary goal is to provide quality products and services to accommodate our customers. Please review the following disclosure information and click "I Accept" to begin the process of Banking Online.

First National Bank of Nassau County has expanded its banking services to utilize the convenience and efficiency of Internet technology. Customer understands that the terms and conditions set forth below are in addition to those that apply to any other accounts that Customer has with the Bank or any other service customer thereafter obtains from the Bank. Customer further understands that any additional instructions and procedures applicable to the services covered by this Agreement provided by the Bank must also be followed.

Now, therefore, in consideration of the mutual promises and covenants contained herein, and for the other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, First National Bank of Nassau County ("FNBNC") and Customer hereby agree as follows:

1. Initial access: To activate your Internet Banking service, you must have a least one active account with FNBNC. To access FNBNC Internet Banking, customers will initially use a temporary Log on ID and password number as established by the Bank. In an effort to enhance security, customers will also be asked to select an image and create a pass phrase, as well as provide answers to three challenge questions. This added security featue identifies you based on the specific computer used. If the customer logs on using a different computer, several or all three challenge questions will be asked to verify that FNBNC is talking to its customer, then customer verifies the image which insures that customer is talking with FNBNC. Customer will enter a new Log on ID and password during the first connection online with banking information.

2. Using your Customer log on ID and password, you may use an Internet connection to:
· View balance inquiries
· View account transaction information.
· Transfer of funds between FNBNC accounts (subject to government regulations)
· Establish automatic transfers between FNBNC accounts
· Communicate with FNBNC via Email.

3. Hours of Accessibility: You may access your account information seven days per week, 24 hours per day. Necessary system maintenance may be scheduled for hours during which system traffic is normally at a minimum. FNBNC will make every effort to notify you via Email of expected down time. The balance and account history will show the current balance of the account including any transactions received by FNBNC prior to the inquiry. In-progress returns due to non-sufficient funds or stop payments may not be reflected. Each customer banking session will be limited to 20 minutes for security purposes.

4. Customer Liability: Customer shall immediately notify FNBNC in person or by telephone at (904) 321-0400 if Customer believes their ID, password, or other means of access has been lost or stolen. You must also notify FNBNC if some one has transferred or may transfer money from your bank account without authorization, or if you suspect fraudulent activity.

The bank must receive written notice within two business days after Customer learns of the event. In this case, Customer shall be responsible for no more than $50.00 in losses resulting from unauthorized access. If Customer does not notify FNBNC within 2 business days after Customer learns of the loss or theft of Customer's password, ID, or other means of access, Customer shall be responsible for the full amount of losses resulting from unauthorized access until the bank received notification by the Customer. If Customer's statement shows transfers covered by this agreement that Customer did not make or authorize, Customer must notify Bank at once. If Customer does not notify FNBNC within 60 days after the statement was mailed to them, FNBNC shall have no liability to Customer for such payments or transfers. If extenuating circumstances such as a long trip or hospital stay may be taken into account.

5. In Case of Errors or Questions: Customers may call FNBNC at (904) 321-0400, or write to 1891 South 14th Street Fernandina Beach, FL 32034. If you notify us verbally, we will require that you send us the problem in writing within 10 days. We must hear form Customer no later than 60 days after we send the first statement on which the problem or error appeared. Please include the following information:

Customer's name and account number
Date and Dollar amount of the transaction in question
Describe the error or the transaction and explain as clearly as possible the error or the need for further information.

FNBNC will communicate the results of our investigation within 10 business days after we hear from Customer and promptly correct any error. If we need more time, however, we may take up to 45 days to investigate the complaint or question. If the additional time is needed we will credit your account within 10 business days for the amount Customer thinks is in error, so that Customer will have the use of the money during the time it takes us to complete our investigation. If Customer tells us of the suspected error orally and does not put the complaint or question in writing, and we do not receive it within 10 business days, we may not credit Customer's account. If FNBNC determined that there was no error, we will send Customer a written explanation within three business days after we finish our investigation. Customer may ask for copies of the documents that we used in our investigation. If a notice of error involves a transaction that was not initiated in any state, territory, or possession of the United States, the initial investigation period is 20 days rather than 10, and the extended investigation periods is 90 rather than 45.

6. Internet Transfer of funds:
A. Customer must maintain sufficient funds accounts to cover any request for transfers. If FNBNC completes a payment transfer that Customer makes or authorizes and FNBNC subsequently learns that Customer has insufficient funds for the transaction, Customer agrees that FNBNC may receive the transaction or offset the shortage with funds from any other account Customer has with FNBNC. In any case, customer is fully obligated to provide sufficient funds for any payments or transfers Customer makes or authorizes.

B. Transfers are final at the time FNBNC receives Customers instructions. FNBNC will make transferred funds immediately available to the affected accounts.

C. Each transfer initiated on a non-business day will be considered initiated on the following business day.

7. Liability for failure to complete payments or transfers: If FNBNC does not complete a transfer on time in the correct amount to Agreement with Customer, FNBNC will be liable for: · The amount of that payment or transfer. · Consequential or punitive damages or other losses whatsoever incurred by Customer, if an only if, FNBNC willfully or intentionally fails to complete transfer, or fails to complete a transfer due to gross negligence on the part of FNBNC or any of its agents or employees.

8. Canceling the Service: To cancel FNBNC Internet Banking, customer must contact FNBNC in writing to notify us of Customer's decision to cancel.

FNBNC reserves the right to cancel or suspend Customer's service at any time without notice due to non-sufficient funds or improper usage of the service. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees or pending transfers.

FNBNC may cancel your service if your accounts have not been accessed for a period of three months

9. Limitations on Bank Liability: FNBNC will not be responsible for the following incidents or errors:

A. Access: FNBNC will not be responsible for failure to provide access or for interruptions in access due to a system failure or due to other unforeseen acts or circumstances.

B. Customer's Computer Equipment or Software: We will not be responsible for any errors or failures from any malfunction of your computer or any computer virus or other problems related to your computer equipment used with our services. We are not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer®, Netscape Navigator®, or otherwise), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken®, or Microsoft Money®), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with.

10. Other Provisions:

A. Electronic Notice: With your consent, we may send notices to you by electronic mail (e-mail). You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential personal or financial information by e-mail. There may be times when you need to speak with someone immediately, especially to report a lost or stolen PIN, or to stop a payment. In these cases, do not use e-mail. Instead, call our bank office at (904) 321-0400. Our office lobby is open Monday through Thursday from 9:00 AM to 4:30PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00PM.

B. Ownership of Website: The content, information and offerings on our website are owned by First National Bank of Nassau County, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.

C. Geographic Restrictions: The services available on our website are solely offered to citizens and residents of the United States. Access may not be available outside of the United States.

D. Laws: Regardless of where Customer lives or works or where Customer is accessing FNBNC Internet Banking services, this Agreement is subject to the laws of the State of Florida and the Federal Law of the United States of America, with, in either event, consideration of conflicts of law principles. If any of the terms of the agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable laws.

E. Excusable Delay: No party to this Agreement shall be liable to the other for loss, costs, or damages arising out of or resulting from any failure to perform in accordance with the terms of this Agreement where such failure shall be beyond the reasonable control of such party. Failure beyond reasonable control shall be deemed to mean, but not limited to, acts of God, strikes, lockout, or other industrial disturbances, wars, whether declared or undeclared, blockades, insurrections, riots, governmental actions, explosions, fire, flood, or other causes not within the reasonable control of either party.

F. Amendments: The terms and conditions governing FNBNC Internet Banking, including cost and fees, may be amended by FNBNC at anytime upon 30 days advance notice. Customer's continued use of this service is acceptance of any amendment(s) of this Agreement, including any instructions on the use of this service will be sent to Customer at FNBNC's choice, via either E-mail or standard mail, and will be considered delivered at the time sent by the FNBNC.

I AGREE

I DISAGREE