hands holding a pencil on paper

Terms of Use

INTERSTATE BANK, ssb Internet Banking Terms and Conditions Agreement This Agreement describes your rights and obligations as a user of the On-line Banking Service or the Bill Payment Service (“Service” or “Services”). It also describes the rights and obligations of Interstate Bank, ssb. 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 Interstate Bank, ssb 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 Services 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 transactions 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 Services. 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 Services, or to update your information such as a change of address, or email address, you may call Interstate Bank, ssb at 806-435-4071, 800-757-4071, or write a letter and send it to: Interstate Bank, ssb 301 S. Main, PO Box 947 Perryton, TX 79070 * You are able to access information that is provided in the same manner as the information and the Services 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 Interstate Bank, ssb account from which you will be conducting transactions using a Service. “Bill Payment” is the Internet-based service providing payments to Interstate Bank, ssb or to third parties from your designated Interstate Bank, ssb account(s). “Bill Pay Account” is the transaction account from which you are initiating a Bill Payment. “Business Day” refers to Monday through Friday, excluding holidays as determined by Interstate Bank, ssb. All On-line transaction requests received after 6:00 p.m. CST, or on a non-Business Day, will be processed immediately, but will not appear in the online history until the following Business Day. “Password” is a series of numbers and/or letters that you select after the initial sign-on, that establishes your connection to the Service. “Payment Initiation Date” is the date you enter into On-line Banking when setting up a bill payment. “Time of day” references are to Central Standard Time. “We,” “us” “our” or “bank” refer to Interstate Bank, ssb, which offers the Services provided under this Agreement and holds the accounts accessed by the Services. ACCESS TO SERVICES Interstate Bank, ssb will provide on-line instructions describing how to use the On-line Banking Service or Bill Payment Service. To gain access to this Service you will need your Access ID and your Password. HOURS OF OPERATION The Services are 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 PASSWORD The safety of our customers’ accounts and account information is of paramount importance to Interstate Bank, ssb. 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 Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your Interstate Bank, ssb User-ID, up to the limits allowed by applicable law. While Interstate Bank, ssb continues to provide our customers with the level of on-line security we believe necessary and appropriate, customers who share their User-IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Interstate Bank, ssb representative will ever call and ask for your Access ID or User Password. IF YOUR PASSWORD HAS BEEN LOST OR STOLEN If your Password has been lost or stolen, call Interstate Bank, ssb immediately at 806-435-4071, between 9:00 AM and 5:00 PM, Monday – Friday. Telephoning Interstate Bank, ssb is the best way of minimizing your losses. You may also restore the security of your Service by immediately changing your Password. If you believe your Password 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 Password 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 Password, and we can prove we could have stopped someone from using your Password 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, and loan accounts. NOTE: Because regulations require Interstate Bank, ssb 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 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 six (6) 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. Interstate Bank, ssb 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. BILL PAYMENT SERVICE SERVICE DEFINITIONS “Service” means the Bill Payment Service offered by Interstate Bank, ssb. “Agreement” means these Terms and Conditions of the bill payment service. “Payee” is the person or entity to which you wish a bill payment or e-mail payment to be directed or is the person or entity from which you receive electronic bills or e-mail payments, as the case may be. “Payment Instruction” is the information provided by you to the Service for a bill payment or e-mail payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date). “Payment Account” is the checking account from which bill payments or e-mail payments will be debited. “Billing Account” is the checking account from which all Service fees will be automatically debited. “Business Day” is every Monday through Friday, excluding Federal Reserve holidays. “Scheduled Payment Date” is the day you want your Payee to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day. “Due Date” is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period. “Scheduled Payment” is a payment that has been scheduled through the Service but has not begun processing. BILL PAYMENT SCHEDULING Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period. THE SERVICE GUARANTEE Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under “Payment Scheduling” in this Agreement. PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives. When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the Post Office or Payee, or payments remitted to you on behalf of another authorized user of the Service. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances: 1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account; 2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; 3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Payee; and/or, 4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges. E-MAIL PAYMENTS The following applies to your use of the e-mail payment functionality of the Service. This functionality allows you to make payments from your Payment Account to any other account enrolled in this Service. If you choose to utilize this functionality you also agree to the following: Information provided to the Service – You agree to provide true and accurate enrollment information to the Service, and to maintain and promptly update your information as applicable. You agree not to impersonate any person or use a name that you are not authorized to use. Activation limitations – You must be at least eighteen (18) years of age to enroll in the Service. You must be a resident of the United States or its possessions, and use the Service for individual purposes only, not on behalf of any business, corporation, proprietorship or other entity. You must have a valid e-mail address and access to the Internet. You must be a legal owner of the Payment Account registered for the Service. We reserve the right to limit the number of memberships you have with the Service. Transaction limitations – The Service will not process any payments less than $1.00 or greater than $2,000. You will be assigned a transactional limit, a daily limit and a weekly limit at enrollment based on parameters associated with your credit history. You agree to accept the limits set by the Service. We reserve the right to limit the amount you may have debited from or credited to your Payment Account on any given day and/or week. Additionally, the Service reserves the right to limit your use of this functionality by imposing limits, hold times, or other measures should we believe that suspicious activity has occurred or may occur. You authorize the Service to check your credit history at enrollment and to obtain follow-up credit reports on you. Information obtained will be used by the Service to verify information you provide to the Service and to set limits associated with your use of the Service. The Service reserves the right to verify any of the information you provide. The Service shall have the right to terminate your membership, reject or reverse any transactions you initiate, and/or restrict or condition your right to send or receive money at any time and for any reason, including, but not limited to: A. Excessive use; B. Using the Service (directly or indirectly) for any unlawful purpose; and/or C. Tampering, hacking, modifying or otherwise attempting to corrupt the security or functionality of the Service. Sending and receiving payments – When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf to the Payee’s account. E-mail payments begin processing the Business Day the Payment Instruction is submitted to the Service. Any e-mail payment submitted on a non-Business Day will begin processing on the next Business Day. The Service reserves the right to hold funds beyond the standard distribution periods for any transactions it deems necessary. The recipient’s ability to access these funds is at the sole discretion of the recipient’s financial institution and is not controlled by the Service. You acknowledge that once money is delivered to the recipient, the transaction is non-reversible and non-refundable to you. Credits to and debits from your Payment Account are only processed on Business Days. If we learn that you had insufficient funds in the Payment Account from which you requested we send money, we will cancel the payment. If we learn this after the money has been delivered to the recipient, you will owe us and agree to promptly repay the amount of the shortfall. We may apply funds awaiting receipt by you against the amount you owe us. In addition, we may not permit recipients of your outstanding payment requests to receive the money, and we will not refund transaction fees in these situations. With respect to any transaction, the Service reserves the right to seek reimbursement from a recipient if we receive any type of charge-back related to any Payment Instructions. We may obtain such reimbursement by deducting the charge-back amount from the recipient’s account(s), reversing any credit(s) to the recipient’s Payment Account, or by seeking such reimbursement from recipient by any other lawful means. Accuracy and dispute of e-mail payments – We are not responsible for determining whether the amount of money being sent is correct for any underlying transaction or is actually owed to the recipient. Any dispute that may arise between you and the recipient relating to a payment made or received, or any other aspect of a transaction between you and the recipient, is not the responsibility of the Service. We make no guarantees regarding purchases paid for via the Service. You acknowledge that the Service does not ensure the quality, safety or legality of any merchandise received, nor that a seller will even ship merchandise. You agree to hold the Service harmless for any loss or expense you incur as a result of such purchases or disputes. Non-Delivery of e-mail payments – It is your sole responsibility to provide the correct e-mail address(s) for an individual(s) to whom we send money on your behalf. THE SERVICE IS NOT RESPONSIBLE FOR PAYMENTS MADE TO UNINTENDED RECIPIENTS DUE TO THE INPUT OF INCORRECT INFORMATION BY YOU, NOR SHALL THE SERVICE BE RESPONSIBLE FOR VERIFICATION OF THE IDENTITY OF RECIPIENTS. Cancellation of e-mail payment(s) – Once initiated, payments cannot be cancelled. Once money is delivered to the recipient, the transaction is non-reversible and non-refundable to you. However, you may cancel an invitation to send money if it has not yet been received by the recipient. After you initiate a payment, if the recipient is not already enrolled in the Service, the Service will periodically send reminder e-mails to you and the recipient until the recipient has enrolled in the Service and received the payment. If recipient has not enrolled in the Service and received the payment forty-five (45) days after initiation, the Service will cancel the payment. PAYMENT METHODS The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment. PAYMENT CANCELLATION REQUESTS You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted. STOP PAYMENT REQUESTS The Service’s ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Interstate Bank, ssb at 806-435-4071. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. Interstate Bank, ssb may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule. PROHIBITED PAYMENTS Payments to Payees outside of the United States or its territories are prohibited through the Service. EXCEPTION PAYMENTS Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service. BILL DELIVERY AND PRESENTMENT This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service’s electronic bill options, you also agree to the following: Information provided to the Payee – The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else’s information to gain unauthorized access to another person’s bill. Activation – Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Notification – The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification – The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) – You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill – The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly This Agreement does not alter your liability or obligations that currently exist between you and your Payees. EXCLUSIONS OF WARRANTIES THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE. PASSWORD AND SECURITY You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 1-888-212-9342 during customer service hours. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented your from telling us, we may extend the period. SERVICE FEES AND ADDITIONAL CHARGES Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. FAILED OR RETURNED TRANSACTIONS If using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that: 1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service; 2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; 3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return; 4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and, 5. The Service is authorized to report the facts concerning the return to a credit reporting agency. ADDRESS OR BANKING CHANGES It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and e-mail addresses. Changes can be made either within the application or by contacting Interstate Bank, ssb customer service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application’s Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information. SERVICE TERMINATION, CANCELLATION, OR SUSPENSION In the event you wish to cancel the Service, you may have the ability to do so through the product, or you may contact customer service via one of the following: 1. Telephone us at 1-888-212-9342 during customer service hours; and/or 2. Write us at: CheckFree P.O Box 2168 Columbus, OH 43216-2168 Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement. PAYEE LIMITATION The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement. RETURNED PAYMENTS In using the Service, you understand that Payees and/or the United States Post Office may return payments to the Service for various reasons such as, but not limited to, Payee’s forwarding address expired; Payee account number not valid; Payee is unable to locate account; or Payee account paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account. You may receive notification from the Service. 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 Interstate Bank, ssb immediately at 806-435-4071, or write a letter and send it to: Interstate Bank, ssb 301 S. Main, PO Box 947 Perryton, TX 79070 If you do not notify Interstate Bank, ssb within sixty (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 Interstate Bank, ssb had been notified in time. ERRORS AND QUESTIONS In case of errors or questions regarding an On-line Banking or Bill Payment transaction, you may call Interstate Bank, ssb at 806-435-4071, or write a letter and send it to: Interstate Bank, ssb 301 S. Main, PO Box 947 Perryton, TX 79070 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 provisionally credited funds are debited from your account you will be notified of the date and amount of the debit and the fact that the bank will continue to honor checks, drafts and preauthorized transfers for 5 business days to the extent that they would have been paid if the provisionally credited funds had not been debited. 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. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation.. You agree that Interstate Bank, ssb 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 Interstate Bank, ssb shall be considered received within three (3) Business Days of the date sent by Interstate Bank, ssb, regardless of whether or not you sign on to the Service within that time frame. LIMIT OF INTERSTATE BANK, ssb’s RESPONSIBILITY Interstate Bank, ssb agrees to make reasonable efforts to ensure full performance of On-line Banking. Interstate Bank, ssb 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. Interstate Bank, ssb 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 Interstate Bank, ssb is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Interstate Bank, ssb 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. Interstate Bank, ssb 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. Interstate Bank, ssb will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Interstate Bank, ssb’s liability shall be as expressly set forth herein. Under no circumstances will Interstate Bank, ssb 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. INTERSTATE BANK, ssb’s RESPONSIBILITY Interstate Bank, ssb 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 Interstate Bank, ssb, you do not have enough money in your account to make the transfer. * Through no fault of Interstate Bank, ssb, 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 Interstate Bank, ssb 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 Password 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 Interstate Bank, ssb an electronic mail message through the Service, Interstate Bank, ssb 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 Interstate Bank, ssb 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 Interstate Bank, ssb 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 Interstate Bank, ssb shall be considered received within three (3) days of the date sent by Interstate Bank, ssb, regardless of whether or not you sign on to the Service within that time frame. OTHER AGREEMENTS In addition to this Agreement, you and Interstate Bank, ssb 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 or the Bill Payment 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 Interstate Bank, ssb, 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 Interstate Bank, ssb may modify the terms and conditions applicable to either 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 Services in whole or in part at any time without prior notice. DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY A copy of Interstate Bank, ssb’s Consumer Privacy Statement is available upon request at any of our branches, or can be mailed to you upon request by calling Interstate Bank, ssb at 806-435-4071, or writing a letter and sending it to: Interstate Bank, ssb 301 S. Main, PO Box 947 Perryton, TX 79070 You can also access our Policy online by clicking on the Privacy Policy icon on the Interstate Bank, ssb 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 (including the Bill Payment Service) 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 the access to your accounts via On-Line Banking remains inactive for 91 consecutive days, your On-Line Banking options will be terminated. To cancel the On-line Banking and/or Bill Payment Service, you must notify Interstate Bank, ssb. Your notification should include your name, address and the effective date to stop the service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through On-line Banking will also be terminated. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. You may notify Interstate Bank, ssb by one of the following methods: * By initiating a customer inquiry through our Web site * By calling 806-435-4071 * or writing a letter and sending it to: Interstate Bank, ssb 301 S. Main, PO Box 947 Perryton, TX 79070 GOVERNING LAW This Agreement is governed by the laws of the Texas and applicable federal law(s). FEE SCHEDULE Account research, stop payment charges and Bill Pay Services will be assessed at the rates published in Interstate Bank, ssb’s Schedule of Accounts and Service Fees Brochure and deducted from your Bill Pay Account or another account you hold at Interstate Bank, ssb. These fees are subject to change. Interstate Bank, ssb 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: 8/14/15