"By selecting the "I Agree" icon button below, I acknowledge my agreement with the terms and conditions of my deposit account(s) and/or loan account as outlined on the account signature card or loan agreement executed at the time of account opening and/or subsequently revised. I further acknowledge receipt and agree to the terms of the bank's Fund Availability Policy, Truth-In-Savings Policy, Privacy Policy, Electronic Funds Transfer Policy and any other account disclosures or updates that have been available or provided to bank customers.

I also understand that policies relating to and/or governing this agreement are subject to change and that notifications of any changes are addressed in the preceding agreement. I agree to protect my user ID and access password and not share them with anyone. I further agree to notify the bank immediately if my user ID and password have been inadvertently compromised so that my account information can be protected from unauthorized viewing or usage.