The terms and conditions contained in this Agreement set forth the terms and conditions that apply to your use of Dollar Bank's DollarNet Business Services. These terms and conditions are in addition to any and all terms, conditions, rules and regulations that apply to any Dollar Bank Deposit Accounts or Dollar Bank Loan Accounts or any other services you obtain from Dollar Bank. Your execution of the DollarNet Business Sign Up Form shall constitute your acknowledgment and agreement with the terms and conditions of this Agreement, and all instructions related to DollarNet Business, that are now in effect or are hereafter amended.

DEFINITIONS
"Deposit Account" as used herein shall mean a checking, time, interest or savings account at Dollar Bank in your name for which you have authorized DollarNet Business. "You" and "Your" shall mean each person who authorizes DollarNet Business for his/her Deposit Accounts or his/her Loan Accounts or who uses or is authorized to use the DollarNet Business ID and password or other means of access of such person to DollarNet Business. "Bank" or "us" or "we" shall mean Dollar Bank, Federal Savings Bank. "Loan Account" shall mean a demand or term loan, line of credit, credit card or other loan account in your name for which you have authorized DollarNet Business. "DollarNet Business" shall mean the service described herein provided by the Bank that permits Bank customers to make payments, transfer funds, access accounts, obtain information and perform other transactions electronically via the Internet or such other communication linkages as permitted by the Bank. "Merchant" shall mean any business, company or other third party authorized by the Bank as a payee for DollarNet Business and includes the Bank when you make payments to the Bank.

AUTHORIZATION
Upon your execution of the DollarNet Business Sign Up Form, you authorize us to provide you with DollarNet Business for all checking, time, interest, and saving deposit accounts and all demand and term loans, lines of credit, credit cards and other loan accounts with Bank held in your name and held jointly with others that are then in effect or thereafter opened. You acknowledge that yourself, and other persons who use or are authorized to use your DollarNet Business ID and password or other means of access to DollarNet Business services shall be able to perform all applicable DollarNet Business services for your deposit accounts and your loan accounts. The Bank reserves the right to limit the types of deposit and loan accounts that are available for DollarNet Business. DollarNet Business is not available to owners of any deposit account that requires more than one signature for withdrawals.

DOLLARNET BUSINESS ID AND PASSWORD
Your DollarNet Business ID and password are the codes you will need to enter DollarNet Business. The DollarNet Business Sign-up Form permits you to select a DollarNet Business ID of your choice. Because each DollarNet Business ID must be unique for security purposes, we may not be able to accommodate your preference for a DollarNet Business ID. After we receive your executed Sign-up Form we will mail you your DollarNet Business ID and temporary password. The temporary password is to be used the first time you logon to DollarNet Business. You will be asked to change your password at that time. You may select any combination of letters and numbers as your password so long as the password has at least six characters and no more than ten characters. You should either memorize your password or keep it in a secure location. Other persons having access to your DollarNet Business ID and password will be able to enter DollarNet Business and perform all applicable services including reviewing account balances and transferring funds to other Accounts and to Merchants.

MERCHANT AUTHORIZATION
You must designate Merchants that you wish to use in order to make Merchant payments through DollarNet Business. The Bank reserves the right to refuse to allow you to designate any particular Merchant or class of Merchants. You are obligated to provide the Bank with account numbers or other necessary information that may be needed so that your payments can be properly credited. If any account number or such other information changes or if you want to add or delete Merchants you must provide the Bank with such changes at least five business days in advance. All such designations and such changes may be submitted via a written authorization form which can be obtained by calling 1-800-828-5527, Monday through Friday 8:00 AM to 8:00 PM and Saturday 9:00 AM to 3:00 PM Eastern time or by submitting such changes via DollarNet Business. You authorize the Bank to make all changes submitted through DollarNet Business by yourself or other persons having access to your DollarNet Business ID and password or other means of access to the DollarNet Business for your deposit and loan accounts.

INSTRUCTIONS
The Bank may supply you with instructions separate from this Agreement. Those instructions may be delivered either in writing or may be included, as applicable, as part of DollarNet Business.

DOLLARNET BUSINESS SERVICES
You or other persons having access to your DollarNet Business ID and password or other means of access to the DollarNet Business for your deposit accounts and/or loan accounts, even if such persons exceed their authority, shall be able to perform the following transactions:

• Transfer funds between your deposit accounts.
• Make payments from deposit accounts to merchants designated in accordance with this Agreement.
• Delete or add merchants.
• Obtain balances for deposit accounts and loan accounts.
• Obtain other services or perform other transactions that are authorized as part of DollarNet Business.

TRANSACTION LIMITATIONS
The following transaction limitations may apply: Transactions may not be processed if you do not have sufficient available funds in the applicable deposit accounts from which you instruct the Bank to make a payment or transfer. For security reasons, the Bank may limit the number or amount of transactions you may make using DollarNet Business. The Bank may implement limits on amounts that may be transferred to individual merchants over a specific period of time. Certain transfer restrictions for certain deposit accounts, as identified in applicable Account Information Schedules, may apply to transfers made via DollarNet Business. Transfers from these Accounts (primarily savings and money market accounts) are restricted to no more that six (6) limited transfers, as defined in the Bank's Account Rules and Regulations, per month. The limited transfer restriction applies to withdrawals made through DollarNet Business for those accounts.

WHEN PAYMENTS AND TRANSFERS ARE MADE
Payments and/or transfers made through DollarNet Business will be withdrawn from the designated account on the date indicated or as promptly as possible. Any new authorizations or changes and all previous authorizations of recurring payments and/or transfers will remain in effect until; 1) they are changed by you or another Account holder by written notice received by the Bank; 2) are changed by you or another person having access to your DollarNet Business ID and password through DollarNet Business; 3) the available balance in the designated Account is not sufficient to cover the payment and/or transfer or 4) the designated Account is closed.

If the available balance in the designated Account is not sufficient to cover a payment and/or transfer, a service charge may be assessed and the Bank will not be obligated to make the payment or transfer. The Bank reserves the right to limit the minimum and maximum of each withdrawal payment or transfer or to discontinue or cancel the recurring payment and transfer service. To ensure that payments to Merchants are received promptly, you should arrange these payments to be sent to the merchant at least five business days before the payment due date.

STOPPING OR CHANGING PAYMENTS AND TRANSFERS
If you want to stop or change individual payments or transfers or recurring payments or transfers you have instructed the Bank to make, you must notify us before we have started processing the transaction. To do this you may access the appropriate function in DollarNet Business on the day before the day the payment or transfer is scheduled to be made, and either delete it or make the change. You may also call us at 1-800-828-5527, Monday through Friday 8:00 AM to 8:00 PM and Saturday 9:00 AM - 3:00 PM Eastern time or write to us at PO Box 765, Pittsburgh, PA 15230. If you call or write, you must do this in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you put your request in writing on paper and get it to us within fourteen days after you call.

STATEMENT
Your DollarNet Business payments and transfers will be indicated on the monthly statements we provide or make accessible for your deposit accounts. You agree to notify us promptly if you believe there are any errors or unauthorized transactions on any statement, or statement information.

NOTICE OF INCOMPLETE TRANSACTIONS
You agree to notify us promptly if you receive notice from a merchant or other institution that a payment or transfer you made through DollarNet Business has not been completed or remains unpaid.

ACCESS
Your access to DollarNet Business shall be determined at the sole discretion of Bank. The Bank, subject to applicable law, reserves the right to modify, suspend or terminate access to DollarNet Business at any time for any reason without notice or refund of previously paid fees. The Bank reserves the right to require you to change your DollarNet Business ID and/or password or other secure access.

FEES
The Bank may charge you a standard monthly fee for using DollarNet Business as well as additional fees for specific services. You should review the current fee schedule before signing up for DollarNet Business. You can cancel DollarNet Business at anytime, but you will remain liable for all charges accrued up to that time including, but not limited to, full monthly charges for the month in which you discontinued service. The Bank reserves the right to change DollarNet Business fees at any time for any reason. The Bank shall provide you with at least thirty (30) days notice of any increase in fees or any additional fees.

YOUR LIABILITY
You are liable for all transactions that you, or any person you authorize to have your DollarNet Business ID and password or other means of access to DollarNet Business, make even if the person you authorize exceeds your authority. If you have given someone your DollarNet Business ID and password or other means of access and want to terminate that person's authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your DollarNet Business ID and password or other means of access or take additional steps to prevent further access by such person.

If you believe your DollarNet Business ID and password or other means of access have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used them without your authority.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your DollarNet Business ID and password or other means of access, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.

Also, if your statement shows payments or transfers covered by this agreement that you did not make or authorize, tell us immediately. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after 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 hospital stay) kept you from telling us, we will extend the time periods.

If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds in the designated account for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize.

DOLLAR BANK'S LIABILITY
DollarNet Business is provided to you as is and all warranties are excluded, including the warranties of merchantability and fitness for a particular purpose. Dollar Bank has authorized no warranty with respect to DollarNet Business and you agree that you have not relied on any warranty. Dollar Bank shall not be liable for any indirect, special, incidental or consequential damages arising from your use of DollarNet Business. In no event shall Dollar Bank's liability exceed one hundred dollars. No action or claim relating to this agreement may be instituted more than one year after the event giving rise to such claim.

BUSINESS PURPOSE
You certify that the use of DollarNet Business pursuant to this agreement shall be for business purposes and not for personal, family or household purposes.

TERMINATING THIS ACCOUNT AND CHANGING TERMS
The Bank has the right to terminate this agreement at any time. We may send you notice of any termination, but we are not required to do so unless applicable law requires such prior notice. Once we terminate this agreement, no further transfers or payments may be made, including but not limited to, any payments or transfers scheduled in advance or any recurring payments or transfers.

We reserve the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will determine what kind of notice we will give you and the method of providing any such notice.

You may also terminate this agreement at any time by signed written notice. However, any instructions from you to make payments or transfers will continue to be in effect until we have received such written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further transfers or payments will be made, including but not limited to, any payments or transfers scheduled in advance or any recurring payments or transfers. Any such termination by you applies only to DollarNet Business.

NOTICE AND COMMUNICATIONS
Except as otherwise provided in this agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records. You agree that we may send or provide by electronic communication any notice, communication, or disclosure required to be provided orally or in writing to you.

Applicable notice to the Bank must be delivered by registered mail only to the following address: Dollar Bank, Account Services, PO Box 765, Pittsburgh, PA 15230.

LAW THAT APPLIES
Regardless of where you live or work or where you access DollarNet Business, this Agreement is subject to the laws of the State where we hold your Deposit Account(s) and the federal law of the United States of America. If any of the terms of this Agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.

DOLLARNET BUSINESS FEE SCHEDULE
There is currently no fee for use of DollarNet Business.

ERROR RESOLUTION
In case of errors or questions about your DollarNet Business transactions, telephone us at 1-800-828-5527 or write to us at Dollar Bank, Account Services, PO Box 765 Pittsburgh, PA 15230, as soon as you can. If you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number.
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you (20 business days for EFTs on new accounts) 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 (90 days for point-of-sale debit card transactions, transactions initiated outside the United States, and EFT transactions or new accounts). If we decide to do this, we will credit your account within 10 business days (20 business days for EFTs on new accounts) 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 credit your account.

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