Agreements & Disclosures

Account Questions
You may contact a Customer Service Representative by phone at 936-639-3201 or toll free at 800-364-8244 with any questions regarding your accounts.

Privacy and Confidentiality

Angelina Savings Bank is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. You must also provide both your account number and your password. If no action is taken within 15 minutes, you will be automatically logged off Internet Banking.

You are also assured that we will guard your information from third parties except for the following situations:

• When it is necessary to complete a transfer as requested by you.

• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant when you have authorized the disbursement of such information.

• In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal processes.

• In order to give information to any government agency or official having legal authority to request such information.

• If you give us written permission.

Security

You are responsible for protecting your computer, phone or tablet which you use to access Online Banking. We recommend that you have a password on your computer or personal device for your protection. Contact us immediately if you lose your device. You are responsible for preventing misuse of your accounts through Online Banking and you agree to promptly examine your statement for each of your Angelina Savings Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification information alone, or together with information related to your account, may allow unauthorized access to your account. Your password and log-in ID are intended to provide security against unauthorized entry and access to your accounts. You acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers or e-mail transmitted to and from us, will not be monitored or read by others. You acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers or e-mail transmitted to and from us, will not be monitored or read by others.

Virus Protection
You agree that Angelina Savings Bank is not responsible for any electronic virus that you may encounter using Internet Banking. Routinely scan your PC and diskettes using any reliable virus protection product to detect and remove any viruses found.

Electronic Messaging and Notices

Customers should send us general inquiries concerning maintenance and other issues via email. You should not use regular e-mail to initiate any banking transactions or give out personal identifying information. Email is not located on a secured encrypted server and the information you enter can be viewed by others. Sending electronic messages to us through regular e-mail are also not protected by a high level of encryption.

Electronic mail will be used to send you notices, disclosures and other information required under the Electronic Funds Transfer Act and Regulation E of the Federal Reserve Board of Governors. We may send this information to you by posting it on our Web site or by e-mail. We may also send it to you by regular postal mail in writing at the address shown in our records. If you have given us an e-mail address or postal address, we are entitled to rely on that address and assume that messages sent to that address are received by you, until you give us notice in writing or by e-mail that the address is no longer valid. You agree that information we post to our website or send by e-mail or regular postal mail will be deemed delivered at the time it is posted or sent. Information you send to us is deemed delivered when we receive and review it. If we send you a notice, disclosure or other message electronically and you wish to print it and are unable to do so, contact us at 936-639-3201 or send us an e-mail and we will provide you with a paper copy.

New Services
From time to time, Angelina Savings Bank plans to expand the services we offer our Internet Banking customers. When such services become available, we will update this agreement and notify you of the new service. By using Internet Banking after the new services are available, you agree to be bound by the terms contained in the revised agreement.

Authorization To Charge Accounts

You are responsible for all transfers you or your authorized representative make using Internet Banking. You authorize us to debit your designated account(s) for any transactions completed with Internet Banking. You agree that we may comply with transfer instructions entered by any one person using an authorized Access Code and Password, regardless of the restrictions placed at the account level, i.e., two signatures required or minor no withdrawal.

If you permit another person to use Online Banking or give them your Access Code and Password, you are responsible for transfers or advances that person makes from the deposit and loan accounts linked to your online application even if that person exceeds your authorization.

Availability
Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

Insufficient Funds to Complete Transfer
If your account does not have sufficient funds to complete a transfer, the transfer will not be completed.

Restrictions on Transfers from Savings and Money Market Accounts
Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account. However, during any calendar month or statement cycle of at least four weeks, you may make no more than six (6) withdrawals or transfers out of such an account. No more than three (3) of the six transfers may be made by check, draft, debit card (if applicable) or by similar order made payable to a third party. Transfers made by telephone, personal computer or funds automatically transferred from a savings account or money market account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Correcting or Canceling Your Transfer

You cannot cancel your transfer after it has been entered into the Internet Banking System and the information transmitted to us. You can correct information about a transfer before you send us the information, and you can use Internet Banking to reverse a transaction after it has been entered.

Documentation and Verification of Transfers

The date and amount of transfers made through Internet Banking will be shown on the Internet Banking screen and will also be shown on your printed statements for the accounts from which and to which the transfer is made.

Telephone Number for Notification of Unauthorized Use
If you believe your Access Code and/or password have become known by an unauthorized person, or that someone has transferred money without your permission, call Angelina Savings Bank's Customer Service Department immediately at: 936-639-3201 or 800-364-8244.

Your Liability for Unauthorized Use

You are responsible for keeping your password and account information secret. If you allow others to access your accounts, you are responsible for any transactions they authorize from your accounts.

Tell us immediately if you believe your Access I.D. or Password has become known to an unauthorized person or if an unauthorized transaction has occurred involving your account. Telephoning is the best way to keep your possible losses to a minimum.

If you tell us within two business days after you learn that your Access Code and Password have become known by an unauthorized person, you can lose no more than $50.00 if an unauthorized person used your personal codes without your permission to process a transaction. If you do NOT tell us within two business days, and we can prove that we could have stopped someone from using your Access Code or Password without your permission if you had told us, you could be liable for as much as $500.00.

Also, if your statement shows electronic funds transfers that you did not make or authorize, 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 may extend the time period.

Angelina Savings Bank's Liability for Failure to Make Transfers
If we do not make a transfer on time, or in the correct amount according to your instructions, we will be liable for your proximately caused damages. However, there are some exceptions. We will not be liable, for instance, if:

1. Through no fault of ours, your account does not contain enough money to make the transfer.

2. The transfer would exceed the balance in the deposit account you use for overdraft protection, or the credit limit on your overdraft checking line of credit, or the line has been closed.

3. Your computer, the software, phone lines, or the bank's computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the transfer.

4. Circumstances beyond our control prevented the transfer, despite reasonable precautions that we have taken. Such circumstances include telecommunication outages, postal strikes, fires, floods and other natural disasters.

5. We have placed a "hold" on funds in your account or remitted funds to another party with your knowledge, pursuant to reasonable business procedures, or in compliance with legal process such as a garnishment, tax levy, court order, etc.

6. We have received incomplete or inaccurate information from you or a third party involving the account or transfer.

7. We have a reasonable basis for believing that unauthorized use of your User Code, Password, or Account has occurred or may be occurring; or

8. You or we have terminated your Online Banking Agreement or closed the account.

Errors Resolution

In case of errors or questions about your electronic deposit transactions or drafts on your account, call the Customer Service Department at Angelina Savings Bank immediately at 936-639-3201, toll free at 1-800-364-8244 or write to:

Angelina Savings Bank
Attention: Customer Service Department
P.O. Box 2460
Lufkin, TX. 75902-2460

In case of errors or questions about your electronic loan payment transactions, call the Loan Administration Department at Angelina Savings Bank immediately at 936-639-3201, or write to:

Angelina Savings Bank
Attention: Loan Administration
P.O. Box 2460
Lufkin, TX. 75902-2460

If you think your statement is wrong or if you need more information about an electronic transaction listed on the statement, 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, and you must:

1. Tell us your name and account number;

2. Describe the electronic transaction you are unsure about, and explain why you believe an error has occurred or why you need more information;

3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint or question in writing within ten business days. We may require you to provide your complaint in the form of an affidavit.

We will tell you the results of our investigation within ten business days 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 provisionally re-credit your account within ten business days for the amount you think is in error, so that you will have the use of your 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 days, we may not provisionally re-credit your account.

If you are a new customer, for electronic funds transfer occurring during the first 30 days after the first deposit is made to your account, the applicable time periods for action by us are up to 20 business days (instead of ten) and 90 calendar days (instead of 45).

If we determine that there is no error, we will send you an explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Fees
Angelina Savings Bank does not charge a fee for setting up, maintaining or using our Internet Banking service. It is provided to you free of charge and we will gladly answer your questions or concerns.

Termination or Discontinuation
In the event you wish to discontinue using Angelina Savings Bank's Internet Banking, contact ASB in writing or send us an electronic mail message. We may at any time terminate your Internet Banking service. We will mail notice of termination to you at your address as shown on Angelina Savings Bank's records.

Electronic Bill Payment Disclosure and Authorization

The following terms and conditions apply to your use of Bill Pay at Angelina Savings Bank. Your use of Bill Pay within Angelina Savings Banks' Internet Banking site, Angelina Bank Online, constitutes your agreement to these terms and conditions.

Registering for Bill Pay

Bill Pay allows you to make payments to a third party from your Angelina Savings Bank Checking Account. To use Bill Pay you must become a registered user of Angelina Bank Online. Once you have access to your Angelina Savings Bank checking account online, you may apply for Bill Pay. Angelina Savings Bank reserves the right to approve or decline the application.

Monthly Fee
There is no fee for Bill Pay. We will, however, close inactive accounts, accounts that have not been used to pay a bill in 3 months and where there are no pending payments. We will notify you by mail before we close your account for inactivity and give you an opportunity to start using it. Angelina Savings Bank has the right to change fees at any time. Additional fees will not be assessed without notice to you.

Scheduling Bill Payments

Payments are made either by paper check or electronically by ACH credit. The method employed on any single payment depends on whether the Bill Payment processor has established an electronic payment relationship with the payee and they are found on the electronic payee database. You may schedule a single payment or recurring payments.

Restrictions
The Bill Payment processor has a payment cap of $19,999.00 and a $1.00 minimum payment per day, regardless of how the payment is disbursed. The Bill Payment user interface limits the entry of payment amounts greater $19,999.00 and less than $1.00 per payment. Any payee you wish to pay through Bill Pay must be payable in U.S. dollars. Some government or legal agencies will not accept checks issued by third parties. Angelina Savings Bank is not responsible for any penalties, late fees, finance charges, etc. incurred if a payee will not accept payment from the Bill Pay service.

Funds Debited from Checking Account

On the process date that you select, the Bill Payment processor generates an ACH debit (in the amount of the bill payment) to your Checking Account. Your Checking Account will be debited within two banking days.

Payees Receiving Bill Payments
The payee will be in receipt of payment within three (3) banking business days for an electronic payee and five (5) banking business days if the payee is paid by check.

Bill Payment on Holidays and Weekends
Bill Pay processes payments on all days excluding Sundays and Federal Reserve Board recognized holidays. In cases where a payment(s) gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on this particular Saturday, the bill payment will be processed on the next banking business day. Also, please note that weekly recurring payments may not be scheduled on Saturdays.

Non-Sufficient Funds
If a "non-sufficient funds' condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent. Refer to our fee schedule for the current Non-Sufficient Funds fee. If you have six NSF's within a twelve month period, then your bill payment account will be closed even if your account is properly funded and cleared of returns. Angelina Savings Bank is not responsible to notify you if sufficient funds are not available in your account.

Errors in Bill Payments
If you select an electronic payee address that matches your payment coupon exactly and the Bill Payment processor routes the payment to a different payment center, the Bill Payment processor is responsible for the late charge and will reimburse any payee-imposed late fees, up to $50.00. If you select an electronic payee with an address that is different from that indicated on the payment coupon, you are responsible for the late charge. You always have the option to manually set up a payee with the (correct) address found on the payment coupon.

Placing a Stop Payment on Bill Payments

A payment may be edited or deleted anytime before the payment is processed. For stop payment requests initiated after processing, you must contact Angelina Savings Bank's Customer Service Department at (936) 639-3201. Payments remitted electronically cannot be stopped. Refer to our fee schedule for our stop payment fee.

Closing Bill Pay Service
Please contact Angelina Savings Bank's Customer Service Department at (936) 639-3201 to close your Bill Pay account.

Authorization

I authorize Angelina Savings Bank to post payment transactions generated by Angelina Bank Online Banking from the Bill Pay service to the account indicated on the form being sent electronically. I understand that I am in full control of my account. If at any time I decide to discontinue service, I will provide written notification to Angelina Savings Bank. My use of Bill Pay signifies that I have read and accepted all terms and conditions of the bill paying service.

I understand that payments may take up to 5 business days to reach the payee and that they will be sent either electronically or by check. Angelina Savings Bank is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.