Personal Enrollment Form Agreement

Please read your rights and responsibilities below before clicking on the I Agree button located at
the end. The following disclosure is for our Internet Banking Service. If requesting and
approved for Bill Pay, an additional disclosure for this service is provided when access is
granted.

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS
First United National Bank
19535 Route 208
PO Box 7
Fryburg, PA 16326
(814) 354-7311

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

INTRODUCTION
This Internet Banking Service Agreement and Disclosure is between the customer and First
United National Bank for all Internet Banking Services. This agreement is provided according to
the requirements of federal and state law. First United National Bank is referred to as, "we", "us"
and "our" in this agreement. The account owner and anyone you authorize to use your Internet
Banking service is referred to as "you" and "your". Please read this agreement carefully. It
establishes your rights and obligations should you register for First United National Bank's
Internet Banking Service.

SYSTEM REQUIREMENTS
In order to use First United National Bank's Internet Banking Service you must, at your own
expense, acquire the necessary telephone lines, Internet or other connections and equipment
needed to access our Internet Banking website. The minimum requirements for your personal
computer are:
a. A browser that uses 128 bit encryption (e.g., Internet Explorer 7 or 8 or Firefox 2.0
through 4.0).
b. You must have the capability to print from your Internet web browser.
c. You must have an email address to receive general communication.
d. In the event of a change in hardware or software requirements, we will provide to you:
1. A notice of the revised hardware and software requirements for access to and
retention of the electronic records, and
2. The opportunity to withdraw consent without having to pay a fee for withdrawal
and without having any conditions or consequences imposed that were not
disclosed.

ELECTRONIC COMMUNICATIONS
Your submission of the electronic enrollment form for this Internet Banking Service is your
acknowledgment that you have received and accept the terms of this agreement electronically,
you meet the minimum system requirements and that you consent to receiving this and all other
communications electronically. If you consent to receiving communication electronically, you
can withdraw your consent at any time by calling 814-354-7311 or by writing the address above.
There will be no charge if you choose to withdraw your consent. However, we will terminate
your use of Internet Banking Service immediately. The agreement may be amended at our
discretion. Because of information security concerns, we will not send confidential information
to you via E-mail (e.g., Only partial account numbers will be used). Accordingly, we DO NOT
recommend that you use E-mail to send confidential information to us. Print and retain a copy of
this Agreement for your files. If you would like a copy of this agreement sent to you, please
contact us using the above telephone number or address and we will mail a copy to you.

DEFINITIONS
For the purpose of this agreement, the following definitions apply to these terms:
Account or Bank Account - your Deposit Account(s) and Credit Account(s).
Business Day - every day, excluding Saturdays, Sundays and holidays
Credit Account - any Loan account you have with us
Deposit Account - any Checking, Money Market, Savings, IRA or Certificate of Deposit you
have with us
Direct Ownership - the owner(s) of the account funds
Transfer Cutoff Time - 4:00 pm Eastern Time on any Business Day and is the time by which you
must transmit Transfer Instructions in order for such transfer to be considered entered on
that particular Business Day
Transfer Instructions - the instructions given by you to transfer funds between your Accounts

ENROLLING FOR THIS SERVICE
You must be a Direct Owner of a bank account with First United National Bank and be 18 years
of age to use the Internet Banking Service.
To subscribe, complete the enrollment form at www.fun-bank.com.

YOUR USER ID AND PASSWORD
You will be assigned a one time user id and password, which will be mailed to you in separate
letters. You will be prompted to change both of these the first time you sign on. Your User ID
and Password are the agreed upon security method between you and the bank. KEEP THIS
INFORMATION CONFIDENTIAL. Should others know this information, they will have
complete access to your Accounts. If you forget your password, you may go to Password Help,
answer two questions and reset your password. IMPORTANT: Your password will need reset
after three faulty attempts to sign on. If you do nothing, it will automatically reset at 3:30 am or
you may call the bank during regularly scheduled banking hours to have it reset for you.

USING THE INTERNET BANKING SERVICE
You agree to:
Properly safeguard your User Id and Password
Never leave your computer unattended while using the Internet Banking Service
Always exit the Internet Banking Service after using the Internet Banking Service

PERMISSIBLE ACTIVITIES FOR BANK ACCOUNTS
You may use Internet Banking Services to access your account(s) by logging onto our website at
www.fun-bank.com. Some of these services may not be available. Please read this agreement
and disclosure in its entirety. It explains your rights and obligations. You may use this Internet
Banking Service to transfer funds between your accounts whenever you request transfers from:
checking to checking
checking to statement savings
statement savings to checking
statement savings to statement savings
checking to loan account(s) with us (You can make regular payments only)
Inquire on:
The account balance of checking account(s)
The last 90 days of deposits and withdrawals to and from checking accounts
The account balances of statement savings account(s)
The last 90 days of deposits and withdrawals to and from statement savings accounts
The account balances of Certificate of Deposit account(s)
The last 12 months of activity on Certificate of Deposit accounts
The account balances of IRA account(s)
The last 12 months of activity on IRA accounts
The account balances of loan account(s)
The last 12 months of activity on loan accounts
Inquiries on Safe Deposit Account(s)

TRANSFERRING FUNDS
You must submit all Transfer Instructions before the Transfer Cutoff Time on the particular
business day. Transfers made before 4:00 pm Monday through Friday on regular Business Days
will be considered completed on that day. Transfers made after 4:00 pm Monday through Friday
on regular Business Days will be considered completed the next Business day. Any transfers
made on non-Business Days will be considered completed the next Business Day.

LIMITATIONS ON TRANSACTIONS
You may transfer up to an amount equal to the available balance in your bank account.

CORRECTING OR REVERSING YOUR TRANSFER
You may not cancel or change one-time transfers once they have been transmitted to us.
Transfers scheduled to be completed in the future may be canceled up until 4:00 pm of the
previous day that the scheduled transfer is to occur.

DISCLOSURE OF YOUR ACCOUNT INFORMATION
We will disclose information to third parties about your account or the transfers you make:
a. Where it is necessary for completing transfers
b. In order to verify the existence and condition of your account for a third party, such as a
credit bureau or merchant
c In order to comply with government agency or court orders as explained in the separate
Privacy Disclosure.

YOUR LIABILITY FOR UNAUTHORIZED USE
Consumer liability - Tell us AT ONCE if you believe your User ID/Password has been lost or
stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the
money in your account (plus your maximum overdraft line of credit). If you believe your User
ID/Password has been lost or stolen, and you tell us within two business days after you learn of
the loss or theft, you can lose no more than $50 if someone used your User ID/Password without
your permission. If you do NOT tell us within two business days after you learn of the loss or
theft of your User ID/Password and we can prove we could have stopped someone from using
your User ID/Password without your permission if you had told us, you could lose as much as
$500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not
tell us within 60 days after the statement was mailed to you, you may not get back any money
you lost after the 60 days if we can prove that we could have stopped someone from taking the
money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept
you from telling us, we will extend the time periods. Contact us in event of an unauthorized
transfer if you believe your User ID/Password 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 or address listed in this disclosure.

ERROR RESOLUTION
In Case of Errors or Questions about your electronic transfers, telephone your local office or
write us at the address above.
BUSINESS DAYS: Monday through Friday
Excluding Federal Holidays.
TELEPHONE NUMBERS:
Fryburg (814) 354-7311 Oil City (814) 676-8647
New Bethlehem (814) 275-2200 Franklin (814) 437-5758
Clarion (814) 227-2400 Cranberry (814) 678-1115
If you think your statement or receipt is wrong or if you need more
information about a transfer listed on the statement or receipt, please contact us as soon as possible. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
a. Tell us your name and account number.
b. 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.
c. 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 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 decide to do this, we will credit
your account within 10 business days 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. For errors involving new accounts, point-of-sale, or foreign
initiated transactions, we may take up to 90 days to investigate your complaint or question. For
new accounts, we may take up to 20 business days to credit your account for the amount you
think is in error. Your account is considered a new account for the first 30 days after the first
deposit is made, unless you already have an established account with us before the 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.

OUR LIABILITY FOR FAILURE TO TRANSFER FUNDS
Financial institution's liability - 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:
a. If, through no fault of ours, you do not have enough money in your account to make the
transfer.
b. There may be other exceptions stated in our agreement with you.
c.. The transfer would exceed the credit limit on your overdraft line of credit tied to your
Checking Account with us.
d. You did not properly follow the provisions of this Agreement or the online instructions
for the Internet Banking Service.
e. Your computer, the software, phone lines, our computer systems or the Internet Banking
Service were not working properly or were temporarily unavailable, and this problem was
apparent to you when you attempted the transfer or payment or you were advised by the
Internet Banking Service about the malfunction before you executed the transaction.
f. Circumstances beyond our control prevented the transfer or payment, despite reasonable
precautions that we have taken. Such circumstances include telecommunication outages,
postal strikes, fires, floods and other natural disasters.
g. We have paid funds from, or placed a "hold" on funds in, your Account or remitted funds
to another party, pursuant to reasonable business procedures, or in compliance with legal
processes such as a garnishment, tax levy or court order.
h. We have received incomplete or inaccurate information from you involving the Account
with respect to a transfer.
i. We have a reasonable basis to believe that unauthorized use of your User ID, Password
or account has occurred or may be occurring.
j. We or you have terminated your Internet Banking Service or closed your Account to
which the User ID was linked.
There may be other exceptions stated in this Agreement or any other agreement we have with
you.

RELATED AGREEMENTS
The terms and agreements given to you when opening other First United National Bank accounts
remain in effect and apply to the Internet Banking Service.

TERMINATING THE INTERNET BANKING SERVICE
We reserve the right to end this Agreement at our sole discretion and without giving notice to
you. You may end this agreement by emailing us or sending written notification to the address
listed in this disclosure.

AMENDMENTS TO THIS AGREEMENT
We reserve the right to amend this Agreement at our sole discretion. If changes have an adverse
affect upon you or we are otherwise required by applicable law or regulation, we will send you
written notice about the change at least twenty-one (21) days prior to the effective date of any
such change. Any changes we implement for security reasons will be made without any notice to
you.

CHANGES IN INTERNET BANKING SERVICES
We reserve the right to change the services provided by the Internet Banking Service.

VIRUS PROTECTION
We are not responsible for any viruses that are downloaded to your computer. You should install
a virus software package from a reputable software company, update it on a regular basis and
routinely scan your system and storage devices for viruses. Undetected or unrepaired viruses
may corrupt and harm your computer and files.

OUR LIABILITY
We are only liable as specified for in this Agreement or where the law requires a different
standard. You agree that:
a. Neither Fryburg Banking Company, INC., First United National Bank, nor any third party
service providers engaged by First United National Bank to perform any of the services
related to the Internet Banking Service, shall be responsible for any damages or losses,
whether related to property or bodily injury, incurred as a result of your using or
attempting to use the Internet Banking Service, whether caused by the equipment,
software, Internet browser providers, such as Mozilla (Mozilla Firefox browser) or
Microsoft(r) (Microsoft Internet Explorer browser), Internet access providers or on-line
service providers or an agent or subcontractor of any of the foregoing.
b. Neither Fryburg Banking Company, INC., First United National Bank, nor any third party
service providers engaged by First United National Bank will be responsible for any
direct, indirect, special or consequential, economic or other damages arising in any way
out of the installation, use or maintenance of the equipment, software, the Internet
Banking Service or Internet browser or access software, or from the unavailability of the
Internet Banking Service or for any errors in information provided through the Internet
Banking Service.
THIS AGREEMENT AND DISCLOSURE CONSTITUTES OUR TOTAL LIABILITY AND
THE REMEDY AVAILABLE TO YOU. NO EVENT SHALL ALTER OUR LIABILITY TO
INCLUDE ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL,
PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF
ADVISED OF THE POSSIBILITY THEREOF) RELATING IN ANY WAY TO THE
INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND
THE INTERNET BANKING SERVICE. THE INTERNET BANKING SERVICE IS
PROVIDED AS IS, AND WE MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED,
WITH RESPECT TO THE INTERNET BANKING SERVICE, INCLUDING, WITHOUT
LIMITATION, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE.

CHARGES AND FEES
There is no monthly maintenance fee for our Internet Banking Service. However, other fees may
apply as specified by agreements you have entered into with us for other banking account(s) that
you have with First United National Bank. Additional incidental charges may include telephone
access fees or fees assessed by your internet service provider.

MISCELLANEOUS FEES AND CHARGES
Standard Research fee of $20.00 per hour. A fee may also be charged for Stop Payments,
Insufficient Funds or Overdrafts resulting from the Internet Banking Services. Refer to deposit
disclosures for details.

ADDRESS OR BANKING CHANGES
We may rely on all the information you provided when enrolling for Internet Banking Services.
You agree to notify in writing at the address above at least ten (10) Business Days in advance of
any changes.

INFORMATION AUTHORIZATION
You agree that we may verify the information you provided when enrolling for Internet Banking
Service. In the event that it is found inaccurate, we may deny you Internet Banking service.

ASSIGNMENT AND DELEGATION
You may not assign this Agreement or any part of this agreement to another person or entity. We
may, at our sole discretion and at any time, assign this Agreement, in whole or in part, or
delegate any of our rights and responsibilities under this Agreement to any third party or entity.

GOVERNING LAW
This Agreement shall be interpreted and governed in accordance with the laws of the state of
Pennsylvania, and the federal law of the United States if America.

SEVERABILITY
Should any part of this Agreement be held to be void or unenforceable, that provision will be
construed consistent with applicable law as nearly as possible to reflect the original intent of the
Agreement, and the remaining portions shall remain in effect.
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