This On-line Banking Access Agreement for accessing your accounts via Florida Traditions Bank Internet Banking explains the terms and conditions governing the following online services: banking, bill payment, and other banking services offered through Florida Traditions Bank On-line Banking. Only accounts maintained with Florida Traditions Bank may be accessed by Florida Traditions Bank On-line Banking.

Introduction
Internet Security Information
Login Security
Balance Inquiries, Bill Payments and Transfers
Special Information about E-Mail
Bill Payment Service
Transfer Types and Limitations
Fees for Florida Traditions Bank’s On-line Banking Service
Notice of Your Liability
Contact in Event of Unauthorized Transfer
Bank Liability
Error Resolution Notice
Documentation
Preauthorized Payments
Liability for Failure to Stop Payment
Confidentiality
Termination
No Signature Requirements
New Services
Virus Protection
Governing Law
Assignment
Amendments
Entire Agreement

Introduction
This Florida Traditions Bank’s On-line Banking Access Agreement governs your use of Florida Traditions Bank On-line Banking. Throughout this web site the Access Agreement will be referred to as "Agreement”.
You agree to receive this Agreement and Initial Disclosures electronically.  After you have carefully read this Agreement, you will be asked to consent to all the terms and conditions of this On-line Banking Access Agreement.  Your accessing any of your eligible accounts through Florida Traditions Bank’s On-line Banking acknowledges your receipt and understanding of this disclosure.  We suggest that you print a copy of this Agreement for future reference.

You or Your – Refers to the individuals, corporations, partnerships, limited liability companies, and sole proprietorships subscribing to or using Florida Traditions Bank On-line Banking.

We, Us, or Our- Refers to Florida Traditions Bank and any agent, independent contractor, designee, or assignee the Florida Traditions Bank may involve in the provision of Florida Traditions Bank On-line Banking.

Business Day– Our Business Days are Monday through Friday.  Federal holidays are not included.  You may use this Service 24 hours a day, seven days a week, except during periods of maintenance.  Bill payments are processed only on Business Days.

Business Day Cut-Off –For posting purposes, the bank will process all transactions completed by 4:30 p.m. on that business date. Transactions completed after 4:30 p.m. Eastern Time, USA, including transfers, will be processed on the following Business Day.

Consumer Accounts – Means a demand deposit or other asset account in the name of an individual held for personal, family, or household purposes.

Privacy Statement – Privacy Statement – Florida Traditions Bank understands how important privacy is to our customers. We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. Our customer privacy statement can be obtained by clicking on any Florida Traditions Bank Privacy Statement link or button throughout the Florida Traditions Bank’s On-line Banking web site.

Internet Security Information
Florida Traditions Bank’s On-line Banking is part of a network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In-depth information on many of the techniques and features employed by the system can be viewed and are explained in our Florida Traditions Bank On-line Security statement. In addition to our login security, we use the SSL (secure socket layer) encryption technology for everything you do in Florida Traditions Bank’s On-line Banking system. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

Florida Traditions Bank utilizes Multi Factor Authentication.  You will be asked to choose an image, unique phrase and three challenge questions. The image and phrase you chose will be displayed every time you log on to Online Banking – confirming that you are at the valid Florida Traditions Bank login page. If you access your Internet Banking account from an unusual computer (a computer that you do not usually use to access internet banking, ex. hotel, airport), you will be asked to answer one of the challenge questions you selected when you set up your secure registration. Once you answer the challenge question, you will be allowed to continue the log in process.

Login Security
Security is very important to Florida Traditions Bank. When you login to the service for the first time, you will use your account number and the last four digits of your social security number (personal accounts) or taxpayer identification number (businesses). You will then be prompted to select a new "Access ID" and "Password" that you will thereafter use to gain access to your accounts. Your session time limit is limited to 60 minutes, but to help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 20 minutes. This is to protect you in case you accidentally leave your computer unattended after you log on. When you return to your computer, you will be prompted to re-enter your password and your session will continue where you left off. Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe. Memorize your password and never tell it to anyone. You may consider changing your password occasionally, such as every 90 days. This can be done at any time, after you are logged in, from the "options" menu.

Balance Inquiries, Bill Payments and Transfers
You may use Florida Traditions Bank’s On-line Banking to check the balance of your accounts, transfer funds between your accounts and pay bills from your eligible accounts.
Balances in your accounts may differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. If you have further questions, contact us at bookkeeping@fltraditionsbank.com.

Special Information about E-Mail
Generally, requests received from the system will be processed within two business days using procedures that would handle similar requests received by mail or fax. If urgent action is required, we recommend that you contact Florida Traditions Bank directly by telephone at (352) 523-1800 between 8:00 a.m. and 5:00 p.m., Monday – Thursday and 8:00 and 6:00 on Friday or in person.

Bill Payment Service
The Bill Payment service lets you schedule bill payments through On-line Banking and also allows you to see a history of all the payments made from your accounts.  You must designate a specific checking account as your bill payment account.

Account holders that require two (2) signatures for withdrawal purposes will be unable to access the On-line Bill Payment Service.

Eligibility:  You may pay any merchant or individual approved for payment by Florida Traditions Bank for payment through On-line Bill Payment Service.  On-line bill payments are available only to payees with a U.S. mailing address.  By furnishing us with the names and account information of those payees to whom you wish to direct payment, you authorize us to follow the payment instructions, which you provide to us via Florida Traditions Bank’s On-line Banking Service for these payees.  When we receive a payment instruction for the current date or future date, we will remit the funds to the payee on your behalf from the funds in your selected account, on the day you have instructed them to be sent (Payment Date).  We will be unable to process any payments to federal, state or local tax agencies, and any court-ordered payments such as alimony or child support.

The daily limit for the total dollars of payments approved is governed by the system’s available balance in the checking account selected for making the payment. You can withdraw up to the system’s available balance as long as your account shows sufficient funds to cover your payments. The payment will normally be charged to your account on the business date that it is approved.

If for any reason a scheduled payment processed through the system is declined, it will automatically be rescheduled for the following business day. The system will continue to attempt to pay the bill on the following business days until there are sufficient funds or you cancel or reschedule it.

Although payments may be scheduled for the current business day or any date in the future at any time, they will only be processed once a day at our cut-off time, usually around 5:45 p.m. EST on any business day. Anything scheduled on a non-business day, or after the cut-off time, will not be sent out until the following business day.

Since we must forward the funds and billing information to the payee, some lead-time for payments is necessary. (Our system assumes the payee/vendor will promptly process the payment on the business day it is received. Any delays caused by the payee/vendor would result in additional days before the payment would show on their records.) 

To avoid incurring a finance charge or other charges, you must schedule a payment sufficiently in advance of the due date of your payment.  It is necessary that all Payment Dates selected by you be no less than five (5) full Business Days before the actual due date, not the late date and/or a date in the grace period.  

Not all payees accept electronic bill payments.  In the event that the payee for your scheduled payment does not accept payment via the electronic system, your payment will be made by mailing a paper check.  Paper payment requires longer delivery time.  Payments made by paper should be scheduled at least seven (7) full Business Days prior to the actual due date, not the late date and/or a date in the grace period.  In all cases, the payment will be delivered to the payee/vendor by the tenth business day after the payment was approved and charged to your account.

Transfer Types and Limitations
1.       Account Access
You may use the Service to:

2.       Limitations on Frequency of Transfers
You may initiate an unlimited number of transfers between your eligible accounts subject to the limitations that apply to the maximum number of automatic or recurring withdrawals from savings account.

3.       Limitations on Dollar Amount of Transfers/Bill Payments
Each transfer between accounts and the maximum aggregate amount per day is unlimited.
Bill payments will be paid from checking accounts only.  Dual signature checking accounts will not be eligible for Bill Payment Service.  Each bill payment and maximum aggregate amount per day is unlimited from an eligible account.

Fees for the Florida Traditions Bank’s On-line Banking Service
The Florida Traditions Bank’s On-line Banking service is available to our personal and business account customers at no monthly charge for account information services, transfers between accounts, and unlimited bill payment.

Notice of Your Liability (Applicable to Consumer Accounts Only)
Tell us AT ONCE if you believe your Access ID and Password have 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 Access ID and Password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Access ID and Password without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Access ID and Password, and we can prove we could have stopped someone from using your Access ID and 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 in the Event of Unauthorized Transfer
If you believe your Access ID and Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (352) 523-1800
Or write:

Florida Traditions Bank
14033 8th Street
Dade City, FL  33525

Bank Liability (Applicable to Consumer Accounts Only)
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:
1.  If, through no fault of ours, you do not have enough money in your account to make the transfer or payment.
2. If the transfer or payment would go over the credit limit on your overdraft line.
3. If the service or your personal computer or modem was not working properly and you knew about the breakdown or malfunction when you started the transfer or payment.
4. Any information provided by you about the payee is incorrect.
5. There are any delays in the handling of the payment by the payees.
6. Circumstances beyond our control prevent the proper completion of the transaction, despite reasonable precautions that we have taken.  Such circumstances include, but are not limited to, fire, flood, tornado, delay in the U.S. Mail or other uncontrollable circumstances such as power failure, the disconnecting or quality of your telephone line.
7. Funds in your account are subject to legal process or other restrictions prohibiting the transfer.
8. It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of Florida Traditions Bank’s On-line Banking or our service providers.
9. Other applicable laws and/or regulations exempt us from liability.

Error Resolution Notice
In Case of Errors or Questions About Your Electronic Transfers
Telephone us at (352) 523-1800

Write to us at:
     
Florida Traditions Bank
14033 8th Street
Dade City, Florida 33525
                       
Or E-mail us at: bookkeeping@fltraditionsbank.com.
 
Contact the Florida Traditions Bank as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

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 ten (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 your think is in error; so that you will have 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 ten (10) business days, we may not credit your account.

For error 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.

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.

Documentation
Preauthorized credits.  If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (352) 523-1800.
Periodic statements.  You will get a monthly account statement from us for your checking accounts.  The payee name, payment amount, and transaction date will be reflected for each payment made through the Service.

Preauthorized Payments
Right to stop payment and procedure for doing so.   If you have told us in advance to make regular payments out of your account, you can stop any of these payments. 
Here’s how:

Use your personal computer to access the Florida Traditions Bank’s On-line Banking and alter both the payment amount and the payment date at any time prior to 5:45 p.m.  You may also delete any single payment or recurring payment at any time prior to 5:45 p.m.

Or:

Call us at (352) 523-1800 or write us at Florida Traditions Bank, 14033 8th Street Dade City, Florida 33525, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.   If you call, we may require you to put your request in writing and send it to us within fourteen (14) days after you call.  We will charge $35.00 for each stop payment order you give. 

Notice of varying amounts.  If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.  (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, of when the amount would fall outside certain limits that you set.)

Liability for Failure to Stop Payment (Applicable to Consumer Accounts Only)
If you order us to stop one of these regular payments three (3) Business Days or more before the Payment Date, and we do not do so, we will be liable for your losses or damages.

Confidentiality
Information about your account(s) or the transaction(s) you make may be shared if:

For additional information on our sharing practices, please refer to our Privacy Statement by clicking on any Florida Traditions Bank Privacy Statement link or button throughout the Florida Traditions Bank’s On-line Banking web site.

Termination
You may terminate your use of On-line Banking at any time by calling us at (352) 523-1800, by visiting our branch, or writing to us at Florida Traditions Bank, 14033 8th Street Dade City, Florida 33525.  You must notify us within ten (10) days prior to the date you wish to have your Service terminated.  We may require you to put your request in writing.  If you have a scheduled payment within this ten (10) day period, you are required to cancel those payments according to the instructions in the section titled “Preauthorized Payments”.  You will be responsible for payments with transaction dates during the ten (10) days following our receipt of your written notice of termination if you do not cancel those payments.  We will notify you confirmation of your termination.

We may terminate your access to On-line Banking, in whole or in part, at any time without notice, if you do not comply with the terms of this Agreement, or the agreements governing your Accounts, or if we believe that you have handled your Account(s) in a fraudulent manner.  We may also terminate your access at any time.  Termination will not affect your liability under this Agreement for transactions that we have processed on your behalf.

No Signature Requirements
When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.

New Services
Florida Traditions Bank may, from time to time, introduce new Florida Traditions Bank’s On-line Banking services. We shall update this On-line Access Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the terms contained in this On-line Banking Access Agreement.

Virus Protection
Florida Traditions Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their personal computer and diskettes using a reliable virus product to detect and remove any viruses. Undetected viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

Governing Law
This agreement and the account or service you are accessing via Florida Traditions Bank will be governed by and interpreted in accordance with the legal jurisdiction of the State of Florida.

Assignment
This agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.

Amendments
Terms and conditions of this agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if they do not result in higher fees, more restrictive service use, or increased liability to you.

Entire Agreement
This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall supersede.

I ACCEPT          |          I DECLINE