IMPORTANT INFORMATION ABOUT THIS AGREEMENT:

YOU ARE PREPARING TO RECEIVE REQUIRED CONSUMER DISCLOSURES IN AN ELECTRONIC FORM. THEREFORE, THIS AGREEMENT SERVES THE FOLLOWING TWO PURPOSES:

CONSENT TO RECEIVE ELECTRONIC DISCLOSURE:

BY CLICKING THE "I AGREE" BUTTON BELOW YOU ARE AFFIRMATIVELY CONSENTING TO RECEIVE THE REQUIRED DISCLOSURE IN ELECTRONIC FORM.

Introduction

Welcome to Johnson City Bank's MoneyHQ, the next generation of online personal finance management. With our fully interactive MoneyHQ service (the "MoneyHQ Service" or "MoneyHQ") you may perform any of the following functions:

Some of these features may not be available, or may have limited functionality, due to limits of applicable law, the ability of Johnson City Bank to obtain online financial information from other financial institutions, and the terms and conditions contained in the agreements governing your existing accounts.

ELECTRONIC AGREEMENT

MoneyHQ is an electronic internet based service. Therefore, you understand that this Agreement will be entered into electronically.

Description of Features

Aggregation of Online Financial Accounts

You may use your MoneyHQ Service to consolidate, organize and present certain information from your accounts at Johnson City Bank and with third parties such as banks, credit unions, brokerages, credit card providers, billers, and other sources of financial information ("Information Providers") on secure web pages. For each of your registered accounts on the Service you will need to provide your User ID, password and/or personal information numbers (PINs) so that Johnson City Bank can retrieve your account information.

Funds Transfers

You may use your MoneyHQ to make transfers between one of your accounts at Johnson City Bank and one of your accounts at another financial institution.

Alerts

You may use your MoneyHQ Service to create email alerts about your online financial information. The alerts may be based upon going above or below a balance threshold.

Setup of the Service

To begin using your MoneyHQ Service, there are some preliminary legal and informational requirements that need to be completed.

Account Information

It is necessary for Johnson City Bank to access third party Web sites and databases containing information regarding your accounts and financial relationships to provide certain features included in the MoneyHQ Service. Johnson City Bank regards your privacy and security with the utmost importance, and we are absolutely committed to safeguarding any information that you share with us.

Withdrawing Consent for Electronic Disclosures

You have the right to withdraw your consent to receive electronic disclosures related to the MoneyHQ service. However, this will result in the termination of your MoneyHQ service. To withdraw your consent please call Customer Service at 888-503-1178

Electronic Contact Information

In order to keep you informed of changes to this disclosure, we must distribute the new disclosure to you when changes are made. We will distribute the new disclosure to the electronic mail address you register with the MoneyHQ service. If an email is returned as "undeliverable", we will deliver to a secondary electronic mail address, if we have one on file, or, if there is no secondary electronic mail address, we will send a hard copy of any changes to your physical mail address that is on record with us. In order to ensure timely notification of any changes, please notify us on a timely basis of a change in your electronic mail address or physical mail address.

Test Transactions

Once you are approved for the MoneyHQ Service we may verify the accounts that you add to the MoneyHQ Service for transfers from time to time. We may use one or a combination of two methods to verify account ownership.

You authorize us to validate the accounts through the use of a test transfer, in which one or more low value payments will be both deposited to and deducted from the account. The test deposit will always occur before the test deduction, and the deduction will always be of the same or lesser amount as the deposit, so that the balance in any of your accounts will never be less than the actual balance. Once the test transfer is complete we may ask you to access your accounts to tell us the amount of the test deposit or deduction or any additional information reported by your financial institution with this test transfer.

We may also verify accounts through requiring the entry of information you ordinarily use to access the account provider's Web site, or by requiring you to submit proof of ownership of the account.

Privacy and Security

You can see a full description of our privacy and security policies by clicking on the Privacy or the Security link.

Terms and Service Acceptance

Because your MoneyHQ Service involves a wide range of new responsibilities to be performed by Johnson City Bank, there are terms and conditions related to your usage of the MoneyHQ Service. When you click on the "I Agree" button at the bottom of the terms and conditions page, you will complete an application to receive the MoneyHQ Service, and you will indicate your acceptance of those terms and conditions. If you do not agree to all of the terms and conditions listed on that page, click on the "I Disagree" button and you will not be entitled to use the Service. Johnson City Bank will evaluate your application based on specific criteria, and may accept or reject your request to use the MoneyHQ Service. In any event, the acceptance or rejection of your application to use the MoneyHQ Service will not affect your existing services with Johnson City Bank.

Errors and Corrections

We must rely on the information provided by you to provide the MoneyHQ Service, and other financial institutions and service providers rely on that information as well. If you provide us with incorrect information or if there is any error in your instruction, we will make all reasonable efforts to reverse or delete such instructions, but we may not be able to do so. Please go to Errors/Corrections/Claims to review our error and problem reporting policies and processes.

Getting Started

To get started, please review the following terms and conditions of the MoneyHQ Service. If you agree to the terms and we accept your application, you are ready to begin using the MoneyHQ Service!

Terms and Conditions

This Agreement (the "Agreement") represents the terms and conditions governing MoneyHQ and is between Johnson City Bank and you as a consumer of the MoneyHQ Service. Any references to "we", "us" or "our" includes any agent, independent contractor, designee, or assignee that Johnson City Bank involves in the provision of the MoneyHQ Service, and any references to "you", "your" or "yours" includes you and any person authorized by you to access the MoneyHQ Service. To use the MoneyHQ Service you must be at least eighteen (18) years old and be a resident of the United States.

This Agreement includes the information and obligations set forth in the preceding Introduction section and the following Errors/Corrections/Claims section. Please review those pages to ensure that you understand the full scope of rights and responsibilities associated with the MoneyHQ Service.

Acceptance

You must click on the "I Agree" button below in order to be eligible to use the MoneyHQ Service. If you do not agree to all of the terms of this Agreement, click on the "I Disagree" button or close the browser window. If you do not click on the "I Agree" button, you will not be bound by this Agreement and you will not incur any fees or obligations with respect to the MoneyHQ Service.

When you click on the "I Agree" button, you will complete an application to receive the MoneyHQ Service and you have:

Additionally, this Agreement will represent a legally binding agreement between you and us. We may reject your application for any reason, and if we do, the legally binding contract between you and us will be terminated, and you will no longer have any obligation under this Agreement.

Changes

At any time we will have the right to change the terms of this Agreement, but we must notify you of any material change through the communication methods listed below. If you continue to use the MoneyHQ Service after we notify you of any change, you will have indicated your acceptance of the changes to this Agreement and agree to be bound by the amended Agreement. If you do not agree to the changes, or if at any time you wish to discontinue your use of the Service, you can unsubscribe through the application by clicking the MoneyHQ unsubscribe link and following the directions. You will be required to insure there are no outstanding transactions in order to unsubscribe. If you have outstanding transactions at the time you wish to unsubscribe, you must either cancel the transactions or wait for them to complete before you unsubscribe. When you unsubscribe, you will terminate this Agreement and your right to use the MoneyHQ Service. Unsubscribing will not relieve you of any obligations that you incurred before you unsubscribed.

In addition, we may make changes to the types and features of the MoneyHQ Service. At the time any new features are offered, we may evaluate your suitability for those new features, and if we determine that you are not eligible then those new features or services will not be made available to you. If you are not eligible, you will not be subject to any fees or obligations under those new features or services. We reserve the right to charge additional fees for the use of the any additional features that we may introduce. You are responsible for paying all fees associated with your continued use of the MoneyHQ Service.

Fees and other Deductions

Schedule of Fees

There are no monthly service fees for the use of the Money HQ Service.

The first 5 standard transfers in any month will be included in the monthly service fee; for each additional standard transfer, you will be assessed a fee of $2.00.

For each next day transfer, you will be assessed an additional fee of $8.95 at time of transaction.

Payment Authorization

You authorize us to deduct all fees that you incur for the MoneyHQ Service ("Fees") from your primary account held with us. For the monthly service fee and any standard transfer fees, those amounts will be deducted from your account no earlier than the 26th day of the month. In the event that the monthly fee exceeds $14.95 we will provide you notice of the fee 10 days prior to when your account is debited. The notification will be sent to your Internet email address on our file. For next day transfers, the fee will be deducted from the account you are transferring funds from at the time of the transfer. In the event that an insufficient or uncollected funds return occurs in connection with a funds transfer and we cannot collect the fee, we reserve the right to deduct the uncollected amount from you. To effect this collection, you authorize us to debit any of your accounts held with us. If you do not have sufficient funds in your accounts with us to pay for any Fees or any other amounts when they become due, you authorize us to select any means necessary to collect the Fees. You understand that to effect the collection of Fees or other amounts we may utilize electronic funds transfer networks to deduct the amount from any of your accounts connected to the MoneyHQ Service from which you are authorized to transfer funds.

Authorizations

Access

In order for us to provide the MoneyHQ Service, we will request certain information from you (such as user IDs, passwords, account numbers) regarding your accounts and financial relationships that you designate to be part of the MoneyHQ Service ("Third Party Accounts"). In addition, we will need to access third party Web sites and data bases containing information regarding your Third Party Accounts to perform certain of the MoneyHQ Services. You authorize us to (i) use any information you provide to us about your Third Party Accounts, (ii) access any Third Party Accounts, (iii) retrieve any information from the providers of those Third Party Accounts and (iv) use any information we obtain about your Third Party Accounts as you request or as necessary to perform the MoneyHQ Services.

Agency

For as long as you are using the MoneyHQ Service, you grant us a limited power of attorney and appoint us as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, in connection with your accounts at Johnson City Bank and any Third Party Accounts. As your agent, you grant us the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with the MoneyHQ Service, as fully to all intents and purposes as you might or could do in person. You understand that we may provide certain of your information to third parties in connection with providing the MoneyHQ Service, such as may be required to verify funds transfer instructions.

Joint Accounts

If any of the accounts that you register under the MoneyHQ Service is a joint account, you confirm that your joint account holder has consented for you to use that accounts with the MoneyHQ Service. We will end your use of the MoneyHQ Service if any joint account holder notifies us that (i) they never consented to your use of the MoneyHQ Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account.

Additional Information

We may obtain such additional information as we deem reasonably necessary to insure that you, or persons to whom you may transfer funds, are not using the MoneyHQ Service in violation of applicable law, including laws and regulations designed to prevent "money laundering" or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.

Electronic Communications

The MoneyHQ Service is an electronic, Internet based-service. This Agreement will be entered into electronically, and all communications associated with this Agreement and the MoneyHQ Service may be provided by electronic means and will be considered to be "in writing", including:

Although we may provide communications to you in paper format at any time, you agree that we are under no obligation to do so. You should print a paper copy of this Agreement and any electronic communications that are important to you and retain the copy for your records.

Delivery of Communications

Communications may be posted on the pages of the MoneyHQ Service website, another website disclosed to you or delivered to the e-mail address you provide to us. Any electronic communication sent by e-mail will be deemed to have been sent and received by you when our e-mail server directs the e-mail message to the appropriate e-mail address, whether or not you received the e-mail.

If any communication is sent in paper form by traditional mail, it will be deemed to have been sent when postmarked and will be deemed to have been received no later than five Business Days (defined below) after it was postmarked.

Terms Specific to Funds Transfers

General Limitations

We reserve the right to decline to affect any funds transfer, to submit any funds transfer instructions or orders or to carry out change or cancellation requests. Some of the funds transfer services may not be available at all times. For example, the MoneyHQ Service will process requests for transfers Monday through Friday, excluding holidays that we observe ("Business Days"). Please ensure that you have sufficient funds to affect any funds transfers from your accounts; if you lack sufficient funds we can refuse to complete the transfer. We may at any time decline to affect any funds transfer that we believe may violate applicable law. In addition, not all types of accounts are eligible for funds transfer because of legal limitations and restrictions imposed by the institution providing the account. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from fund transfers that are not permitted under such restrictions by the provider of your account or those imposed by applicable law.

Transfers subject to the Rules of the Accounts

All funds transfers under the MoneyHQ Service are subject to the rules and regulations governing the relevant accounts. There may be rules that limit the number or dollar amount of permitted transfers, and we will not be responsible for any consequences that occur if you attempt to make transfers in excess of those limits. You agree not to use the MoneyHQ Service to effect any funds transfers from or to an account that are not allowed under the rules or regulations applicable to such accounts, including rules or regulations designed to prevent the transfer of funds in violation of the rules and regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.

MoneyHQ Service Transfer Limits

In general, the MoneyHQ Service does not limit the number of funds transfers you may make, but does limit the dollar amount that may be transferred in a single transfer or that may be transferred in a set period of time. For security and risk management reasons, from time to time we may modify the limits to the frequency or amount of transfers you can make using the MoneyHQ Service. In any event, funds transfers in excess of the then-applicable limits will not be completed.

Transfer Process

To complete a funds transfer between accounts at different financial institutions we utilize electronic funds transfer networks to debit (deduct from) one of your accounts and credit (deposit to) another of your accounts or an account of the intended transfer recipient. To transfer funds, we deduct the amount to be transferred from the source account and then wait for a customary period of time before depositing the transfer into the destination account, to be certain that the debit (deduction) will not be returned. This means that, under most circumstances, transferred funds will not be available to the recipient for the period during which we are waiting for the debit to "clear", usually three or four Business Days. If the debit side (deduction) fails or is returned for any reason (insufficient funds, for example), we will be entitled to cancel the transaction and not complete the transfer. Because we don't always wait for confirmation before completing a funds transfer, it is possible for the debit side (deduction) of the transfer to fail or be returned and the credit side (deposit) to have already been released. If that occurs, you authorize us to revoke the transfer, if possible, or to separately deduct the amount of the transfer from the transfer destination account. If the funds transfer was sent to an account outside of your control, you authorize us to deduct the amount from any of your accounts that is attached to the MoneyHQ Service.

You understand and agree that in the event we are unable to execute your funds transfer request utilizing electronic funds transfer networks, we may utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check.

Suspension and Reinstatement of Funds Transfer Service

We may suspend your right to use the funds transfer features of the MoneyHQ Service, immediately and without prior notice to you. We may need to take this action to protect ourselves from financial loss, for example if you request funds transfers when you have insufficient funds to cover the transfer. In the event of such suspension, you may request reinstatement of your service by contacting us using any of the methods discussed in Errors/Corrections Section. We reserve the right in our sole discretion to grant or deny reinstatement of your use of the funds transfer features of the MoneyHQ Service. In the event we agree to reinstate you, we reserve the right to initially reinstate your Service subject to restrictions that otherwise would not apply, such as lower per-transaction and monthly dollar limits. Based upon your subsequent usage of the MoneyHQ Service, we may thereafter rescind some or all of those limitations.

Your Warranties

You warrant and represent that the information you are providing us with is true, correct and complete. We are not obliged to take any steps to confirm or authenticate any instructions given by you and, assuming they are permitted under the MoneyHQ Service, we will act on them without getting further confirmation.

You understand that if you provide us with incorrect information or if there is any error in your instruction we will make all reasonable efforts to reverse or delete such instructions, but you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities or fraud in the information that you provide. In addition, if any information you provide is untrue, inaccurate, not current or incomplete, we may recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

You agree not to impersonate any person or use a name that you are not authorized to use. You represent and warrant to us that you have the right to authorize and permit us access to your Third Party Accounts, you assure us that by disclosing the information to us and by authorizing us to use such information to access your Third Party Accounts, you are not violating any third party rights.

You agree to promptly update your registration records if your e-mail address or other information changes. You agree to update your records, such as your e-mail address, using our online service.

You warrant that you will not use the MoneyHQ Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the MoneyHQ Service or interfere with any other party's use and enjoyment of the MoneyHQ Service.

You represent and warrant to us that you have enough money in the applicable accounts to make any funds transfer you request that we make on your behalf through the MoneyHQ Service.

Johnson City Bank's Liability

If we do not provide a funds transfer instruction on time, if we cause an incorrect amount to be removed from an account or if we cause funds from an account to be transferred to any account other than the account or recipient's account specified in the applicable funds transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper account or intended recipient's account.

We are liable for any losses and damages arising from our gross negligence or willful misconduct or if we breach a representation or warranty to you.

Limits of Johnson City Bank's Responsibilities

In connection with the MoneyHQ Service, we are acting at all times as your agent with respect to any interactions with third parties. Your relationship with each Third Party Account provider is independent of us, and you are ultimately responsible for any actions that we take on your behalf while providing the MoneyHQ Service. We have no control over, and will not be responsible for, any acts or omissions by the financial institution or other provider of any Third Party Account.

We are not liable for any costs, fees, losses or damages of any kind incurred as a result of (1) our access to the Third Party Accounts; (2) our retrieval of or inability to retrieve information from the Third Party Accounts; (3) any inaccuracy, incompleteness or misinformation contained in content retrieved from the Third Party Accounts; (4) any charges imposed by the provider of any Third Party Account; (5) any failure of a third party financial institution's information technology system that results in our inability to retrieve information or complete a transfer; or (6) you not having enough money to make a funds transfer and the funds transfer is not completed or is later reversed.

As part of the MoneyHQ Service, when we interact with other financial institutions on your behalf we may use transfer and security procedures agreed between you and the other financial institution or those agreed between us and the other financial institution. You agree that your transfer instructions constitute authorization for us to complete the transfer, regardless of the actual process used. We may authorize any financial institution at which you have an account to accept funds and transfer instructions without verifying the instructions under the established security procedures. We may authorize such financial institutions to charge and debit your accounts based solely on these communications.

If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers.

EXCEPT AS EXPRESSLY SET FORTH ON OUR WEB SITE OR IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING NON-INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS.

WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE MONEYHQ SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE MONEYHQ SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US FROM ANY ACCOUNTS OR THAT THE MONEYHQ SERVICE WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE MONEYHQ SERVICE, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Service Discontinuation

We may discontinue the Service, with or without notice, without liability to you, any other user or any third party. We reserve the right, subject to applicable law, to terminate your right to use the Service at any time and for any reason.

You may terminate your use of the MoneyHQ Service at any time by clicking on the link to unsubscribe to MoneyHQ. Once your use of the MoneyHQ Service has been terminated for any reason, you will have no further right or access to use the MoneyHQ Service, and thereafter we will not be responsible for performing or maintaining any feature of the MoneyHQ Service on your behalf for any reason.

Once you notify us that you wish to cease using the MoneyHQ Service as provided in this Agreement and we have a reasonable opportunity to act on that notice, the limited power of attorney created by this Agreement is automatically revoked.

Indemnification

You agree to indemnify, defend and hold us harmless from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of the MoneyHQ Service; our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement; or your violation of this Agreement.

Errors/Corrections/Claims

Unauthorized Access/Transfers

Notify us AT ONCE if you believe your password has been lost or stolen or if you believe someone has transferred or may transfer money from your account without your permission. Telephoning us at 888-503-1178 promptly is the best way to protect you from possible losses.

If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within two Business Days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within two Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

Error Reporting Process

In case of errors or questions about the MoneyHQ Service, funds transfers or incorrect statements, write to us at

Johnson City Bank
Bill Pay Customer Service
100 E Pecan
Johnson City, TX 78636

or telephone us at 888-503-1178. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

In your communication of the potential error or question,

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 we committed an error within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question.

If we take the additional 45 days, we will adjust the applicable accounts within 10 Business Days for the amount you believe is in error, so that you or your intended recipient will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within 10 Business Days, we may not adjust the applicable accounts.

We will tell you the results within three Business Days after completing our investigation. If we decide that we did not make an error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of other financial institutions. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays or other problems are the responsibility of the relevant financial institution or the intended recipient of funds. Any rights you may have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.