Internet Banking Agreement

The following terms and conditions apply to your access to and use of the Franklin Savings Bank Franklin eBranch web site (site). By accessing any page of our site, you agree to be bound by these terms and conditions. Franklin Savings Bank reserves the right to revise these terms and conditions, without prior notification, at any time. Please read this Agreement carefully and retain a copy for your records.

System Requirements
You may use any personal computer ("PC") or other access device equipped with qualified browser software that provides Internet access to the World Wide Web and supports 128-bit encryption. Franklin eBranch will work best if your PC meets or exceeds these requirements:

• Operating System: Windows 98, 2000, ME NT or XP, or Mac OS
• Modem: 28.8 or faster
• Browser: Microsoft Internet Explorer for Windows version 5.2 or higher, Netscape Navigator version 7.1 or higher, Microsoft Internet Explorer for Mac version 5 or higher and America OnLine version 5.0 or higher.

License Agreement
We grant to you a non-transferable, non-exclusive, and non-sublicensable license to use Franklin eBranch for its intended purpose, including accessing and using our financial services for your personal use or internal business purposes. You may not modify, translate, or reverse engineer the software related to Franklin eBranch, send a copy of any portion of the software related to Franklin eBranch to any third party, or use the software related to Franklin eBranch in violation of the laws of any jurisdiction. You may not delete or remove copyright notices or other legal notices from the software related to Franklin eBranch.

This license will remain in effect until terminated. It will automatically terminate when you cease to be a subscriber to Franklin eBranch, or if you fail to comply with any term or condition of this License Agreement.

The supplier retains ownership and intellectual property rights in the software related to Franklin eBranch. The software related to Franklin eBranch is protected by copyright and other intellectual property laws and international treaties. Title and related rights in the content accessed through the software related to Franklin eBranch is the property of the applicable content owner and is protected by applicable law.

Liability Disclaimer
Franklin Savings Bank will not be liable for any damages or lost profits arising from the use of our site, any interruption in the availability of our site, delay in operation or transmission, loss of data, or other events arising from use of our site. Franklin Savings Bank is not responsible if you download a file from our site that includes a virus.

Funds Transfers
You may make payments through Franklin eBranch to your Franklin Savings Bank accounts. You also can use Franklin eBranch to make funds transfers between different eligible Franklin Savings Bank accounts. An eligible Franklin Savings Bank account is one linked to Franklin eBranch that doesn't have withdrawal restrictions (for example, certificates of deposit), or require direct Bank update (for example, passbook account deposits and withdrawals).

Limits on Transfers
There are limits imposed by law on the number of transactions you can make from certain accounts. Transfers from a savings or Companion account to another account or to third parties by pre-authorized, automatic or telephone transfer are limited to six per statement cycle with no more than three by check or similar order to third parties. There are no limits on the dollar amounts of transfers made so long as there are funds available in your account to make them.

Please note: Transactions made to loan accounts and any transaction made after 4 p.m. will not be reflected in the account balances until the next business day.

Third Party "Linked" Web sites Disclaimer
For your convenience Franklin Savings Bank provides links to other web sites. We will not be liable for any errors, omissions, loss of data, materials or functions by third party sites linked to or from our site and operated by other entities. Franklin Savings Bank does not endorse any third party sites even if a link is established between our site and the other web site.

Limitation of Liability
Franklin Savings Bank will not be obligated to honor, in whole or in part, any transaction or instruction which:

• Is not in accordance with any term or condition applicable to your accounts
• We have reason to believe may not be authorized by you
• Involves funds subject to a hold, dispute, restriction or legal process we believe prevents withdrawal
• We have reasonable cause not to honor for our or your protection

Communication With Us and Electronic Mail (E-mail)
You may contact us 24 hours a day, 7 days a week via e-mail. We will respond to email inquiry, during our regular banking business hours.

• You may contact us directly via an email form on the Franklin Savings Bank webpage. Please be aware that Internet email is not considered secure. Therefore, you should not communicate confidential information, such as your account numbers or passwords, in an email message. Instead, contact us directly by telephone or letter.

Error Resolution
Tell us AT ONCE if you believe your password or ID has been lost, stolen, or used without your permission to transfer funds or schedule a transaction from any of your accounts. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days that someone is using your account without your permission, you will lose no more than $50. If you do not tell us within two business days after you learn of the loss, and we can prove we could have stopped someone from using your account without your permission if you had told us, you can lose as much as $500. Telephoning is the best and fastest way of reporting this information.

• Call Franklin Savings Bank toll-free at 1-800-287-0752 or locally at 207-778-3339
• Or write to us at:

Franklin Savings Bank
P O Box 825
Farmington, ME 04938

If you agree with the terms, click the "I Agree" button. By proceeding, you will be forwarded to the "New User Enrollment" form. By filling in, printing out and mailing or delivering this form to Franklin Savings Bank, you are agreeing with the terms and conditions as listed above and agree that the security procedures we have established for the use of our site are commercially reasonable.