Personal Enrollment Agreement

Welcome to First Community Bank's on-line banking enrollment. By clicking on the "I Agree" below, you are giving us permission to set up service for you as an on-line banking customer. You may want to print this Agreement Disclosure for your records.

First Community Bank Online Services Agreement

I. Introduction

This Online Banking Services Agreement explains the terms and conditions governing the Online Banking Services offered through First Community Bank. You should read this Online Banking Agreement and the related information provided by the Bank prior to using Online Banking. By using the Online Banking Services you agree to abide by the terms and conditions of this Online Banking Agreement. The terms we, us, our, and Bank refer to First Community Bank. The words you, your, and yours mean each deposit account owner, authorized deposit account signer, and anyone authorized to act on behalf of a deposit account owner. You agree that the Bank may provide any notices required by law or by this Agreement in electronic form.

II. Accessing Your Bank Accounts Through Online Banking

You can access your First Community Bank accounts through Online Banking. Each of your accounts at the Bank is also governed by your Deposit Account Agreement and Disclosure, Funds Availability Act Disclosure, Electronic Funds Transfer Act Disclosure and related account agreements.

A. Requirements

To access your personal and/or business accounts through Online Banking, you must have an eligible Bank account (listed below), a User ID, and an online banking password. First Community Bank accounts accessible through Online Banking include: *Advantage Checking *Business Checking *Economy Checking *First Free Checking *Regular Checking *Senior Citizen Checking *Student Checking *Money Market Accounts *Savings Accounts *Certificate of Deposits *Business and Consumer Loans

B. Fees

There are no monthly fees for accessing your account(s) through Online Banking. Certain fees may apply to services ordered online.

PLEASE NOTE THAT FEES FOR INTERNET ACCESS WILL BE ASSESSED AND BILLED SEPARATELY BY YOUR INTERNET SERVICES PROVIDER.

C. Electronic Mail (E-Mail)

Sending E-mail through Online Banking is a way to communicate with the bank. Online Banking has provided E-mail capabilities for you to ask questions about your account(s) or to provide us comments on your banking service. This E-mail capability is accessible after you sign on with your password to a secure session with Online Banking. Despite our best efforts, messages sent by E-mail may not be secure, may be intercepted by third parties and may not be immediately received by the appropriate department of First Community Bank. Please do not use E-mail to send us communications which contain confidential information, which we require in writing or which need our immediate attention. An internet record that an E-mail has been sent or received is not verification that the E-mail has been received by First Community Bank. You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Online Banking or call First Community Bank at (320)395-2515.

D. New Services

The Bank may, from time to time, introduce new Online Banking services. We shall update this Online Banking Services Agreement to notify you of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

III. Terms and Conditions

The first time you, or someone authorized by you on your behalf, access your Bank accounts through Online Banking the system confirms your agreement to be bound by all the terms and conditions of this Online Banking Agreement and acknowledges your receipt and understanding of this disclosure.
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