Please read and accept the First Coweta Bank Online Banking Terms and Conditions Agreement to continue to the First Coweta Bank Online Banking Web Site.

Online Banking Terms and Conditions Agreement

The First Coweta Bank Online Banking Service is available to all of our customers at no monthly charge for the account information and transfer services. You can also sign up for bill payment service at no additional monthly cost.  Bill Payment service does require bank approval and set-up. Inquire about Online Banking and Bill Payment Service when you open your account or you may add them at any time by coming in to First Coweta Bank at 61 Bullsboro Drive Newnan, Georgia 30263.

I. Introduction
General Information
Consumer Accounts
Business Days

II. Accessing Your Account, Security and Your Responsibilities
Password and Login Security
Your Rights and Responsibilities

III. Online Banking Services and Limitations
Available Services
Hours of Accessibility
Limits on Frequency and Amount of Transfers
Balance and Transaction Information
Account Information and Transfers
Unavailable, Delayed, or Inaccurate Account Information
Limits on Frequency and Amount of Transfers
Service Cancellation

IV. Optional Bill Payment
Eligibility
Bill Pay Procedure
Allow Sufficient Time for Your Payments
Liability
Termination of Bill Payment
Bill Payment Fees
Joint Account Holders

V. Changes to Fees, Charges and Other Terms

VI. Additional Electronic Fund Transfer Disclosures and Agreement Terms

VII. Limitations on Bank Liability

VIII. Other Provisions

I. Introduction

General Information: This Online Banking Terms and Conditions Agreement ("Agreement") is a contract between you and First Coweta Bank that outlines and governs the Terms and Conditions for accessing your personal and commercial accounts via First Coweta Bank's Online Banking Service provided by the Entrust Retail Processing Network.

Automatic Bill Transfer This Agreement also includes and incorporates the disclosures required by the Electronic Fund Transfers Act (15 USC 1693 et seq.). This Agreement applies only to the First Coweta Bank Online Banking Service. Other electronic fund transfers to or from your accounts at First Coweta Bank are governed by the Electronic Fund Transfer Disclosure provided to you when you established your account or when you requested other electronic fund transfer services.
In order to use First Coweta Bank's Online Banking Service, you must accept these terms and conditions. By clicking on the "I Agree" button at the end of this Agreement, you agree to abide by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this Agreement. Please read this Agreement carefully and print a copy for your records. This Agreement is governed by federal laws and regulations and, to the extent not preempted by federal law, by laws and regulations of the State of Georgia.

Consumer Accounts: Some of the terms set forth in this Agreement, as specified in this Agreement, apply only to Consumer Accounts. A "Consumer Account" is an account held by a natural person and used primarily for personal, family or household purposes.

Business Days: The term "Business Day" means Monday through Friday, excluding federal banking holidays.

II. Accessing Your Accounts, Security and Your Responsibilities.

Password and Login Security: Security is very important to First Coweta Bank. In order to activate your Online Banking Service, you must have at least one checking, savings, certificate of deposit or loan account with First Coweta Bank. When you login to the service for the first time, you will use a temporary access code and a temporary password, both of which will be provided to you. You will then be prompted to choose a new "Access ID" and a new "Password." 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 should not under any circumstances disclose your password by telephone or to anyone claiming to represent First Coweta Bank. Bank employees do not need and should not ask for your password.

First Coweta Bank is entitled to act on instructions received through online banking under your password and without inquiring into the identity of the person using that password. Any person having access to your First Coweta Bank online banking password will be able to access the Online Banking Services and perform all transactions, including reviewing account information and making transfers to other accounts which have mutual ownership. You are liable for all transactions made by persons authorized to use your password.

If, despite the Bank's advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your password or other means of access will have full access to your account(s) even if you attempt to limit that person's authority.

We strongly urge you to change your password every 90 days. This can be done at any time, after you are logged in, from the "Options" menu.

Once you login as a first time user, you will be required to change the initial access ID and password and select an access ID and password known only to you.

• The Access ID you select may be any combination of alpha/numeric characters, from six (6) to sixteen (16) digits.
• The password criteria is as follows:
  • Minimum Password Length 6
  • Maximum Password Length 12
  • Number of Alpha Characters Required 2
  • Number of Numeric Character Required 2
• Access IDs and Passwords are case sensitive (must be entered exactly as input with upper and/or lower case characters).
• Passwords can be changed at any time by the accountholder, and by any other person to whom the accountholder provides the password, through the First Coweta Bank.

First Coweta Bank utilizes Multifactor Authentication as part of our log-on security. The first time you log on to Online Banking, you will see a security image appear on the screen and you will be asked to enter a password phrase. The password phrase can be one word or a number of words and does not have to be relevant to the security image. It needs to be something that you will easily recognize. Each time you log on and key in your Access ID, you will see your security image and password phrase and know that you are on the authentic bank site. Only at this time should you enter your password. When you log on for the first time, you will also need to answer three security questions and register your computer, if it is your personal computer and not a public computer. Thereafter, if the computer you are using is not recognized, you will be asked to correctly answer one of the security questions you previously created. You are allowed to register more than one computer if you utilize multiple computers to access your online banking account.

If you suspect that an unauthorized person has access to your password or believe your password has been lost or stolen or that someone may attempt to use the service without your consent or has transferred funds without your permission, your must notify First Coweta Bank immediately.See Part VI of this Agreement for additional information relating to liability for unauthorized transactions and error resolutions.

Your session time is unlimited, 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 15 minutes. This is to protect you in case you accidentally leave your computer unattended after you login. When you return to your computer, you will be prompted to re-enter your password and your session will continue.

Your Rights and Responsibilities: In addition to this Agreement, you agree to be bound by and comply with the Account Agreement and Account Disclosure, the rules and regulations of the electronic transfer system, and state and federal laws and regulations. You, the consumer, are responsible for keeping your online password and account data confidential. We are entitled to act on transaction instructions received using your password, and you agree that the use of your password will have the same effect as your signature, authorizing the transaction(s). If you authorize other persons to use your password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, changed your password, and that you are responsible for any transactions made by such persons until such time as we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

III. Online Services and Limitations

Available Services: You may use your personal computer to:

• View account balances and transaction history.
• View images of your paid checks.
• Transfer funds from your First Coweta Bank checking and savings accounts into:
  • Other First Coweta Bank checking and savings accounts which belong to you.
  • Loan accounts.
• Through Optional Online Bill Payment, pay bills to any merchant, institution or individual with a U.S. mailing address.
• Communicate directly with First Coweta Bank via e-mail.

Other services may be added to First Coweta Bank's Online Banking Service and will be communicated to our customers as the additions are made.

Hours of Accessibility: You may access First Coweta Bank Online Banking Service seven days a week, 24 hours per day. Necessary system maintenance will be scheduled for hours during which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system (Telebanc), one of our ATM machines, or a branch office (during regular business hours) to conduct transactions.

Balance and Transaction Information: You may access any eligible First Coweta Bank account on which you are an owner or signer to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. In progress returns due to non-sufficient funds or stop payments may not be reflected in the inquiry.

Account Information and Transfers: Account balances and activity is current information. Funds transferred between related accounts initiated on your computer using Online Banking and received by the bank before 4:30 p.m. EST on a Business Day will be effective on that Business Day. Transfers processed on your computer using Online Banking and received after 4:30 p.m. EST on a Business Day, or on any non-Business Day, will be effective the following Business Day.

Unavailable, Delayed, or Inaccurate Account Information: We strive to provide complete, accurate and timely account information through Online Banking. However, unless otherwise required by law, we will not be liable to you if any such information is unavailable, delayed or inaccurate. With respect to electronic funds transfer problems, such as unauthorized transfers or the Bank's failure to properly complete authorized transfers, the extent of our liability is described in Part VI of this Agreement.

Limits on Frequency and Amount of Transfers: Federal regulations require us to limit either by contract or in practice the number of certain types of transfers from money market deposit accounts and savings accounts. Under these regulations, you are limited to six (6) preauthorized electronic fund transfers each month, including telephone transfers, First Coweta Bank Online Bill Payment and other online banking transactions, checks, and point-of-sale transactions. Of these six transactions, you are limited to no more than three transactions per month by check or point-of-sale. Payments to your First Coweta Bank loan accounts are not counted toward this limit. Subject to availability of funds in your designated checking account, there are no limits on the dollar amount of transfers to or from your account.

Service Cancellation: First Coweta Bank reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service, contact the First Coweta Bank Online Banking Department at 770 251-4311.

If you wish to cancel any of your First Coweta Bank Online Banking services, please contact First Coweta Bank's Online Banking Department at 770 251-4311 or send us cancellation instructions in writing to: First Coweta Bank-Online Banking Department, PO Box 1033 Newnan, Georgia 30264.

IV. Optional Bill Payment

Through First Coweta Bank's Online Banking Service you may subscribe to our optional Online Bill Payment system. The Bill Payment service allows you to schedule payments through your online banking system for current, future and recurring bills from your First Coweta Bank checking account. You must designate a specific First Coweta Bank checking account as your bill payment account, and bills then will be paid from this designated account subject to your available balance.

Eligibility: You may pay any merchant or individual approved for payment by First Coweta Bank for payment through the Online Bill Payment service. We will be unable to process any payments to federal, state, or local tax agencies. Online bill payments must be payable in U.S. dollars and are available only to payees with a U.S. mailing address.

Bill Pay Procedure: By furnishing us with the names of your payees (merchants and /or individuals) and their addresses, you give us authorization to follow the payment instructions, which you provide to us via First Coweta Bank's Online Banking Service for these payees. When we receive your payment instruction for the current date or a future date, we will remit the funds to the payee on your behalf from the funds in your selected account. Funds for ALL bill payments, whether paid electronically or paper check will be withdrawn from your account as of the payment date you enter if that date is a Business Day. If the date you enter is not a Business Day then funds will be withdrawn as of the next Business Day. The earliest payment date the bill can be paid is automatically entered by Bill Pay.  It can be from one (1) to four (4) Business Days after the date you go into Bill Pay to request the payment.  It is your responsibility to change to a different payment date if necessary.  We are not obligated to pay funds from your account(s) if the account balance is insufficient to cover the payment, unless your account has overdraft protection in an amount sufficient to cover the payment.

When you submit any request for an electronic payment using our Online Banking Service, please print a copy of your completed request and authorization for your records.

Allow sufficient time for your payments: Any payments made with Bill Payment require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. All payments must be scheduled five (5) full Business Days in advance of the due date of your payment. 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.

Liability: If you fail to schedule your payment according to the recommended time frame, First Coweta Bank will not be responsible for the late fees or finance charges. 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 or late fees. Paper checks are mailed to the address you supply. First Coweta Bank will not be responsible for processing incorrect information, which is supplied by you through the bill payment system, or for failure of the payment to process due to incorrect information. 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 not be liable for indirect, special or consequential damages due to the use of Bill Payment. See Parts VI and VII for additional information.

Termination of Bill Payment: First Coweta Bank reserves the right to terminate your use of Bill Payment at any time. If for any reason you should wish to terminate your use of First Coweta Bank's Bill Payment, we recommend that you cancel all future bill payments and transfers at the same time you cancel your account by calling First Coweta Bank's Online Banking Department at 770 251-4311. This will insure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payments and transfers (both one-time and recurring) once we have been notified that your service has been terminated. We will continue to maintain your accounts unless you notify us otherwise.

Bill Payment Fees: Refer to Section VI for monthly fees and other charges for personal and business accounts.

Joint Account Holders: Each Bill Payment account may consist of either one individual account holder, or multiple (joint) account holders. Each account holder needs a unique First Coweta Bank Online Banking password. The terms of this online banking agreement apply to all account holders enrolled in the Online Bill Payment program. In order to have a joint membership, all members must be joint signers on the checking account (excluding money market accounts) linked to Bill Payment. Joint members share the same payee list, and are subject to the joint tenant rules contained in the Account Agreement and Signature Card for the checking account. Either account owner may close the bill payment service.

V. Changes to Fees, Charges and Other Terms

We reserve the right to change the fees, charges or other terms outlined in the agreement. We will notify you 30 days prior to implementation of changes, either by written notice or e-mail, and will also update this agreement, if the changes to this agreement are more restrictive than those stated in the agreement, or increase your responsibility for unauthorized transactions. In the event that a change is necessary to ensure the security of the online system, an immediate change may be necessary, and we will notify you within 30 days after the change is made by electronic or written notice. You may choose to accept or decline changes by continuing or discontinuing the services to which the changes relate. We reserve the option to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure.

VI. Additional Electronic Fund Transfer Disclosures and Agreement Terms

Unauthorized Transactions
Tell us AT ONCE if you believe your online password has been lost or stolen or if you believe your password may be used without your permission. 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).

Also, if your statement shows transfers that you did not make, tell us at once.

The following three paragraphs apply only to Accounts that are "Consumer Accounts" (as defined in the Introduction to this Agreement):

If you tell us within two Business Days (see above for our Business Days), you can lose no more than $50 if someone used your online password without your permission. If you do NOT tell us within two Business Days after you learn of the loss or theft or unauthorized use of your password, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

If your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after your statement was mailed to you, you may not get back any money lost after the sixty (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 confirmed extended trip or hospital stay, kept you from telling us, we will extend the time periods.

Contact in event of Unauthorized Transfers
If you believe your online password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call First Coweta Bank at 770-251-4311. If calling after 5:00 or on a non-Business Day, email us at customercare@firstcowetabank.com, or write to us at First Coweta Bank Online Banking Department, PO Box 1033 Newnan, Georgia 30264. You also may notify us by sending us a fax at to 770-502-0021, Attention: First Coweta Bank Online Banking Department.

In case of errors or questions about your electronic transfers, telephone us, email us, or write to us at the telephone number, email address or office address provided in the paragraph above. Contact us 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 your statement or receipt. We must hear from you no later than 60 days after we mailed you the FIRST statement on which the problem or error appeared. When you contact us about your problem (including by telephone, email or fax), please

• Include your name and account number(s).
• Describe the error or transaction in question, and explain why you believe it to be an error.
• Tell us the dollar amount of the suspected error.
• If the problem involves a bill payment, tell us the checking account number used for payment, the payee's name, date for which the payment was scheduled, payment amount, and any applicable payee account number or reference number.

If you tell us orally, we may require that you send us your complaint of question in writing within ten Business Days.

The following three paragraphs apply if your complaint or error is with regard to a Consumer Account:

We will determine whether an error occurred within 10 Business Days after we hear from you and correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 Business Days for the amount you think is in error, so that you will have the 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 10 Business Days, we may not provisionally credit your account.

For errors 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 (an account that has been opened for 30 days or less), we may take up to 20 Business Days to provisionally credit your account for the amount you think is in error.

We will tell you the results of our investigation within 3 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 we used in our investigation.

Our Liability for Failure to Make Transfers or Paying Late

If we do not complete a transfer to or from your bank account on time or in the correct amount according to our agreement with you, and if the transfer was to or from a Consumer Account, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable:

• If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment.
• If a legal order directs us to prohibit withdrawals from the account
• If your account is closed or if it has been frozen
• If a hold has been placed on your account for uncollected funds
• If the transfer or payment would cause the account to become overdrawn beyond the balance of the account plus any overdraft protection
• If you, or anyone you allow, commits fraud or violates any law or regulation
• If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly
• If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount of the payee on a bill payment
• If you have not properly followed the instructions for using First Coweta Bank's online banking Bill Payment Service
• If circumstances beyond our control (such as fire, flood, hurricane, improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us

Confidentiality -- Disclosure of Account Information

You authorize First Coweta Bank and any 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:

• To comply with government agency requests or court orders.
• To verify the existence and condition of your account to a third party, such as a credit bureau or merchant.
• To provide services relating to your account or to offer other products and services.
• To other entities if you give us permission.

Please refer to our Privacy Disclosure which we provided to you for a complete description of our policies and practices relating to the disclosure of your information to third parties. Our Privacy Disclosure also is available at www.firstcowetabank.com or by calling us at 770 251-4311.

Preauthorized Payments
          Right to Stop Payment and Procedure: You have the right to stop or change any scheduled payment. You must cancel the payment no later than 4:00 p.m. EST of the Business Day prior to the date you had requested that the payment be sent by calling First Coweta Bank at 770-251-4311. We shall not be liable to you due to a stop payment request if your order to do so is not presented prior to processing the payment. Once processing of the payment has begun, you can no longer stop payment.
          Notice of Varying Amounts: If your have told us in advance to make regular payments out of your account, and if any of these payments may vary in amount, the person you are going to pay will tell you, ten days before each payment, when it will be made and how much it will be.
          Liability for Failure to Stop Payment of Preauthorized Transfer: If you order us to stop a payment from a Consumer Account three Business Days or more before the transfer is scheduled to be sent and we do not do so, we will be liable for your losses or damages.

Fees and Charges:

VII. LIMITATIONS ON BANK LIABILITY

We will not be responsible for the following incidents, errors or failures:

Access
We will not be responsible for failure to provide access or for interruptions in access to First Coweta Bank's online banking or online Bill Payment Service due to a system failure or due to other unforeseen acts or circumstances.

Your Computer Equipment or Software
We will not be responsible for any errors or failures from any malfunction of your computer or any computer virus or other problems related to your computer equipment used with First Coweta Bank's Online Banking Service.

We are not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer®, Netscape Navigator®, or otherwise), your Internet Service Provider (ISP), your personal financial management or other software, (such as Quicken®, or Microsoft Money®), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with First Coweta Bank's Online Banking Service.

Online Bill Payment
We are not responsible for postal delays or processing delays by the payee for any bill payment made through our Bill Payment services.

VIII. Other Provisions

Electronic Notice
With your consent, we may send notices to you by electronic mail (e-mail). You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential personal or financial information by e-mail. There may be times when you need to speak with someone immediately, especially to report a lost or stolen PIN, or to stop a payment. In these cases, do not use e-mail. Instead, call our customer First Coweta Bank Online Banking Department at 770 251-4311, during regular business hours, Monday - Friday 9:00 a.m. - 5:00 p.m., excluding Bank Holidays.

Warranty and Software Limitations
NEITHER WE, NOR ANY OF OUR SUBSIDIARIES, ANY SOFTWARE SUPPLIER NOR ANY INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESSED OR IMPLIED, TO YOU CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE (OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS), UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

Ownership of Website
The content, information and offerings on our Website are owned by First Coweta Bank, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.

Geographic Restrictions
The First Coweta Bank Online Banking services described in this Agreement and available on our Website are solely offered to citizens and residents of the United States of America currently residing in the United States. Citizens and residents outside the United States may not be able to access the First Coweta Bank Online Banking or Bill Pay Service.

Scope of Agreement
This Agreement represents our complete agreement with you relating to our provision of the First Coweta Bank Online Banking services. No other statement, oral or written, including language contained in our Website, unless otherwise noted, is part of this agreement.

Assignments
The Bank may assign certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

I have read and agree with the First Coweta Bank Online Banking Terms and Conditions and wish to take advantage of the Online Banking Service.