FSNB The Front Line
Online Banking Agreement
(Revised 02-13-09) 

Types of Service

Your Responsibility
Your first use of The Front Line confirms your agreement to and understanding of the terms and conditions in the On-line Banking Agreement, which describes in detail all aspects of using this service. You are responsible for keeping your password, account numbers, personal identification information and other account information confidential.
FSNB is not responsible for customer errors or negligent use of The Front Line and will not be liable for losses due to:

1. General Description of the Online Agreement.
This Online Banking Agreement (the "Online Agreement") for accessing your accounts via The Front Line explains the terms and conditions governing the following online services: account access, imaging, bill pay, and other services offered through The Front Line (collectively, the "Online Financial Services"). By using the Online Financial Services you agree to abide by the terms and conditions of this Online Agreement. This Online Agreement will be governed by and interpreted in accordance with all applicable federal laws and regulations and the laws of the state of Oklahoma.
Your use of The Front Line may also be affected by the agreements between us for your deposit and other linked accounts. When you link accounts to The Front Line, this does not change the agreements you already have with us on those accounts. For example, when you use The Front Line to access a deposit account, you do so under the terms and conditions we gave you in the agreement and disclosure for the deposit account. You should review those agreements for any applicable fees, for limitations on the number of transfers you can make, and for other restrictions, which might impact your use of an account with The Front Line.
The following rules will apply to the extent there is no applicable federal law or regulation. The terms "we," "us," "our," and "Bank" refer to FSNB, or one of its affiliates. The term "FSNB" refers to FSNB. "You" refers to each signer on an account. The term "business day" shall mean every day except Saturdays, Sundays and federal banking holidays.
2. Accessing your accounts with The Front Line.
A. Requirements for use
To access your accounts through The Front Line, you must have a checking or savings account and an online password. In addition, you must have the required software, including compatible web browsers with 128-bit data encryption.
B. Fees
There are no monthly fees for the Basic Service to access your account(s) through The Front Line. See Sections 5 and 7 for a description of the 5 Star Package fees and other miscellaneous fees and charges. Other fees, as described in the Deposit Account Information brochure, may apply to services ordered online and to transfers to and from your accounts. Please note that fees may be assessed and billed separately by your online service provider and are not included in The Front Line.
C. Secure Messaging (Bank Mail)
Sending a Bank Mail through The Front Line is a secure way to communicate with the customer service department of the Bank. The Front Line has provided Bank Mail for you to ask questions though a secure environment, about your account(s) or give comments on your online service. Bank Mail is accessible after you sign on with your password to a secure session of The Front Line. To ensure the security of your account information, we recommend that you use only Bank Mail when asking specific questions about your account(s). For transactions not available through The Front Line, such as wiring funds, ordering checks, etc, you may use Bank Mail to initiate such orders.
D. New Services
FSNB may, from time to time, introduce new Online Financial Services. We shall update this Online 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 Online Agreement. We encourage you to regularly check this Online Agreement for any changes.
E. The Front Line Advantages
You can manage your eligible personal accounts from anywhere in the world on your personal computer. You may use The Front Line to:

3. The Front Line Terms and Conditions.
The first time you access any of your accounts through The Front Line confirms your agreement to be bound by all the terms and conditions of this Online Agreement and acknowledges your receipt and understanding of this disclosure.
A. Your Password
Passwords are case sensitive. You will choose a Password that will give you access to your accounts through The Front Line. This password can be changed within The Front Line at any time. We recommend that you change your password regularly. The Bank is entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password and account data confidential.
B. Payment Account
Although there are no fees for accessing your accounts via The Front Line Basic Service, your primary account will be billed for selected services such as Bill Pay. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the primary account as the payment account or any other account for the fees. If you close the payment account, you must notify us and identify a new payment account for the selected services. You agree to be responsible for any online service provider and telephone charges, which you incur by accessing your accounts through The Front Line. If you wish to cancel any of your Online Financial Services offered through The Front Line, please send us cancellation instructions in writing by postal mail, fax or Bank Mail.
C. Our Liability
Except as specifically provided in this Online Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, any indirect, special, incidental or consequential damages whether caused by the equipment, software, the Bank, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), OR by Internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing, nor shall we or the service providers 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 Online Financial Services, or Internet browser or access software.
D. Hours of Accessibility
You can access your accounts through The Front Line seven days a week, 24 hours a day. However, at certain times, some or all of The Front Line may not be available due to system maintenance. A transfer initiated through The Front Line before 10:00 PM (Central Time) on a business day is posted to your account the same day. All transfers completed after 10:00 PM (Central Time) on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day. Our business days are Monday through Friday, except for banking holidays. "Banking holidays" shall mean all federal banking holidays.
E. Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all of your accounts that are enrolled in The Front Line. Account balance and transaction history reflects activity through the close of the previous business day. Transferring Funds - Transfers can be made for amounts up to $5,000. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. You agree that you will only make transfers when a sufficient balance is or will be available in your account. If your account becomes overdrawn because one or more other transactions posted on the same day a transfer is made, we reserve the right to impose a non-sufficient funds or overdraft fee pursuant to our current fee schedule.
4. The Front Line Extended Basic Package
This service includes all features of the Basic Package, plus check imaging.  With this service, you can view and print your cancelled checks, front and back.
5. The Front Line 5 Star Package
A. Using the Service
To gain access to Bill Pay, you will sign on to The Front Line using your password and complete the Bill Payment enrollment form. Once you have successfully scheduled a payment on the Bill Payment system, a confirmation number will be provided. By using The Front Line 5 Star Package option, you agree that, based upon instructions received under your Password, we will process and debit your account as if you had written a check drawn on your checking account. All bill payments debited from your account will appear on your monthly statement.  If your account has insufficient funds to make your indicated Bill Pay(s), it will be at the discretion of FSNB whether to forward the payment. If you have been approved for Overdraft Protection we will forward all payments until your ODP limit is reached. Forwarding of Bill Pays over your approved ODP amount will be at the discretion of FSNB. All Bill Pays drawn on insufficient funds, whether or not paid, or against your ODP, will be charged the usual overdraft fee for such items.
B. Bill Payment Payees and Scheduled Payments
Payees will be paid by paper check delivered to the designated payee by the U.S Postal Service. You understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 7 to 10 business days after your scheduled send date. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party such as the failure of the bill payment payee to properly post a payment to your account.
C. Modifying or Cancellation of a Bill Payment
To modify or cancel a bill payment that you have scheduled and is pending, you must modify or cancel the payment using the bill payment system following the onscreen instructions before 8:00 p.m. (Central Time) on the date the payment is scheduled for payment.
D. Bill Payment Stop Payment Requests
You may be able to stop a bill payment paid by contacting us by telephone before the check has cleared. You must contact us by telephone to determine if the check has cleared. If the check has not cleared, we will immediately process your stop payment request. We will notify you immediately if the check has already cleared. To be effective the stop payment request must precisely identify the name of the payee, and the amount of the check. FSNB reserves the right to impose a “stop payment” fee pursuant to our current fee schedule. We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through which any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special, or consequential damages arising out of the use of Bill Pay. FSNB reserves the right to terminate your use of Bill Pay at any time.
6. E-Statements

The E-Statements service provides you access to up to 18 months of your account statements online. With this service, you can view, reconcile, print and download your account statements as needed. To enroll in E-Statements, you will sign on to The Front Line using your password and accept the E-Statement Agreement. Refer to the separate E-Statements Agreement for more details.
7. Fees
The monthly fees cover service for the previous month and are effective upon enrollment (after your 90 day free preview). A $6 monthly service fee will be deducted from your primary account. A $20 monthly service fee will be deducted from your primary account for the Business 5 Star Package. As long as you are enrolled in the Extended Basic or 5 Star Package, fees will be charged to your payment account. If the payment account has insufficient funds to cover payment of the fees, the Bank may deduct the fee(s) from any other checking account linked to The Front Line (in any order we choose). If the fee cannot be paid, we may cancel your service. After cancellation your service may be reinstated by contacting FSNB Customer Service once sufficient funds are available in your account to cover all accrued fees and any other pending transfers or debits. The monthly service fee is in addition to the fees and charges that apply to all of your linked accounts. You should note that on accessing The Front Line, you may incur charges for:

Additionally, fees may be assessed for added features of The Front Line such as check and statement copy orders, and non-sufficient funds. Please consult your Deposit Account Information brochure to see if your accounts qualify for these fees.
8. Service Cancellation
Individuals may change from the Extended Basic or 5 Star Package to the Basic Package at any time by contacting a FSNB Customer Service Representative.
If, for any reason, you should ever wish to cancel The Front Line or change from the 5 Star Package, we strongly suggest that you cancel all future bill payments at the same time that you cancel or change your service, by deleting any scheduled payments. This will ensure that any future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been changed or terminated . We will continue to maintain your accounts until you notify us otherwise.
9. General Terms for using The Front Line
A. Changes to Charges, Fees or Other Terms
FSNB reserves the right to change the charges, fees or other terms described in this Online Agreement. When changes are made to any fees, charges, or other material terms, we will update this Online Agreement and either send a notice to you at the address shown on our records, or send you a Bank Mail through The Front Line. The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Depositor Contract and the Deposit Account Information brochure.
B. Disclosure of Account Information
You authorize the Bank and each of its affiliates to disclose to third parties, agents, and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make:

C. Questions or Error Resolutions on Online Banking and Bill Pay Transactions
In case of questions or errors about online fund transfers or bill payments made through The Front Line involving a Bank account, you should do one of the following:

We must hear from you no later than sixty (60) days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.

10. Other General Terms
A. Other Agreements
In addition to this Online Agreement you agree to be bound by and will comply with the requirements of the applicable portions of the Deposit Account Information brochure, E-Statement Agreement , prospectuses for any mutual funds, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable state and federal laws and regulations. We agree to be bound by them also.
B. Bank's Right to Terminate this Agreement
The Bank reserves the right to terminate this Online Agreement and your access to Online Financial Services through The Front Line, in whole or in part, at any time.
C. No Third Party Access
You further agree to not permit any third parties to have access to your account through The Front Line.
D. Assignment
The Bank may assign this Online Agreement to its parent corporation or to any now-existing or future direct or indirect subsidiary of its parent corporation. The Bank may also assign or delegate certain of its rights and responsibilities under this Online Agreement to independent contractors or other third parties.
11. Protecting Your Account
A. Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call a FSNB Customer Service Representative.
B. Safeguard Your Online Password
The password that is used to gain access to Online Financial Services through The Front Line should be kept confidential. For your protection we recommend that you change your online password regularly. We recommend that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential.
C. Unauthorized Transactions in Your Accounts
Notify us at once if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments).
To notify FSNB:

If a compromised password results in a loss or theft, 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 you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.
Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days.
Click to apply for The Frontline, if you already have an eligible account

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