This Agreement describes your rights and obligations as a user of the Online Banking Service (“Service”). It also describes the rights and obligations of Investment Savings Bank. Please read this Agreement carefully. As an authorized account holder, you must abide by the terms and conditions of this agreement and those provided to you at account opening, in order to use this Service.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By selecting the “I Accept” button below, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with Investment Savings Bank for the provision of certain Online Banking Services, may be in electronic form, and (3) agreeing that certain information that may be delivered in connection with the service may also be in electronic form.

You are also acknowledging receipt of the following information and agree that:

We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transaction you conduct using the Service.

We may provide you revisions and amendments to the Agreement and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service, electronically as a part of the Agreement or otherwise as a part of the Service. While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.

You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.

If you wish to withdraw consent to receive information electronically, to terminate the Service, or to update your information such as a change of address, or email address, you may call Investment Savings Bank at (814) 944-0843 or write a letter and send it to:

Investment Savings Bank
Attention: Internet Banking
900 S. 16th Street
Altoona, PA 16602

You are able to access information that is provided in the same manner as the information and the Service via the Internet.

DEFINITIONS

The following definitions apply in this Agreement.

“Online Banking” is the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement

“Online Account” is an Investment Savings Bank account from which you will be conducting transactions using a Service.

“Business Day” refers to Monday through Friday, excluding holidays as determined by Investment Savings Bank. All Online transaction requests received after 7:00 p.m. EST, or on a non-Business Day, will be processed immediately, but will not appear in the online history until the following Business Day.

“Password” is a series of numbers and/or letters that you select after the initial sign-on, that establishes your connection to the Service. Investment Savings Bank will provide you with a code for use during the initial sign-on process.

“Time of day” references are to Eastern Standard Time.

“We,” “us” “our” or “Investment Savings Bank” refer to [bank], which offers the Service provided under this Agreement and holds the accounts accessed by the Service.

HOURS OF OPERATION

The Service is generally available 24 hours-a-day, 7 days a week, except during special maintenance and upgrade periods, which routinely are scheduled between 12:00 a.m. and 5:00 a.m.

USE OF YOUR PASSWORD

The safety of our customers’ accounts and account information is of paramount importance to Investment Savings Bank. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Service or to let anyone know your password used with the Service. You agree to assume responsibility for all transactions initiated through the Service with your Investment Savings Bank Access ID, up to the limits allowed by applicable law. While Investment Savings Bank continues to provide our customers with the level of online security we believe necessary and appropriate, customers who share their Access IDs and passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Investment Savings Bank representative will ever call and ask for your Access ID or password.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN

If your password has been lost or stolen, call Investment Savings Bank immediately at (814) 944-0843 between 9:00 AM and 4:30 PM, Monday thru Friday. Telephoning Investment Savings Bank is the best way of minimizing your losses. You may also restore the security of your Service by immediately changing your password. If you believe your password has been lost or stolen and you notify us within two Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two Business Days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.

BANKING TRANSACTIONS WITH ONLINE BANKING

In addition to viewing account information, you may use Online Banking to conduct the following transactions:

Transfer funds among your linked checking, savings, money market, loan and line of credit accounts.

NOTE: Because regulations require Investment Savings Bank to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply:

Statement Savings Account– You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer, or by Online Banking.

Money Market Savings Account– You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by  Online Banking, and no more than three (3) of these may be by check, draft or debit card.

Initiate bill payments.

New services may be introduced for Online Banking from time to time. Investment Savings Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

STATEMENTS

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

IF YOUR STATEMENT SHOWS TRANSFERS THAT YOU DID NOT MAKE

If your statement shows transfers that you did not make, notify Investment Savings Bank immediately (814) 944-0843 or write a letter and send it to:

Investment Savings Bank
Attention: Internet Banking
900 S. 16th Street
Altoona, PA 16602

If you do not notify Investment Savings Bank (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Investment Savings Bank had been notified in time.

ERRORS AND QUESTIONS

In case of errors or questions regarding an Online Banking transaction, you may call Investment Savings Bank at (814) 944-0843 or write a letter and send it to:

Investment Savings Bank
Attention: Internet Banking
900 S. 16th Street
Altoona, PA 16602

We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the first statement on which the problem or error appeared.  If we do not hear from you by the above described 60 days, we will consider the problem or error to be settled, with no additional contact or investigation necessary.  We will need:

Your name and account number
A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information.
The dollar amount of the suspected error
The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

If we determined that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation.

You agree that Investment Savings Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Investment Savings Bank shall be considered received within three (3) Business Days of the date sent by Investment Savings Bank regardless of whether or not you sign on to the Service within that time frame.

LIMIT OF INVESTMENT SAVINGS BANK’S RESPONSIBILITY

Investment Savings Bank agrees to make reasonable efforts to ensure full performance of Online Banking. Investment Savings Bank will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. Investment Savings Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from Investment Savings Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Investment Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Investment Savings Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. Investment Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of Investment Savings Bank’s liability shall be as expressly set forth herein. Under no circumstances will Investment Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

INVESTMENT SAVINGS BANK’S RESPONSIBILITY

Investment Savings Bank will be responsible for your actual losses if they were directly caused by our failure to:

Complete an Electronic Funds Transfer as properly requested Cancel an Electronic Funds Transfer as properly requested.

However, we will not be responsible for your losses if:

Through no fault of Investment Savings Bank you do not have enough money in your account to make the transfer Through no fault of Investment Savings Bank the transaction would have caused you to exceed your available credit Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken There is a hold on your account, or if access to your account is blocked in accordance with banking policy Your funds are subject to legal process or other encumbrance restricting the transfer Your transfer authorization terminates by operation of law You believe someone has accessed your accounts without your permission and you fail to notify Investment Savings Bank immediately You have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the Payee refuses the Service. For the failure of any payee to correctly account for or credit the payment in a timely manner We have received incomplete or inaccurate information from you or a third party involving the account or transfer. For changes to the payee’s address or account number (unless you have advised us of the change within three (3) Business Days in advance) We have a reasonable basis for believing that unauthorized use of your password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

ELECTRONIC MAIL (EMAIL)

If you send Investment Savings Bank an electronic mail message through the Service, Investment Savings Bank will be deemed to have received it on the following Business Day. Emails will be answered within a reasonable timeframe.

You should not rely on electronic mail if you need to communicate with Investment Savings Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Investment Savings Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Investment Savings Bank shall be considered received within three (3) days of the date sent by Investment Savings Bank, regardless of whether or not you sign on to the Service within that time frame.

OTHER AGREEMENTS

In addition to this Agreement, you and Investment Savings Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the Online Banking service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Investment Savings Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct any fees related to this Service from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Depositor’s Agreement and Terms and Conditions apply to this Service.

MODIFICATIONS TO THIS AGREEMENT

Investment Savings Bank may modify the terms and conditions applicable to Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Service in whole or in part at any time without prior notice.

DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY

A copy of Investment Savings Bank’s Consumer Privacy Statement is available upon request at any of our branches, or can be mailed to you upon request by calling Investment Savings Bank at (814) 944-0843 or writing a letter and sending it to:

Investment Savings Bank Attention: Internet Banking 900 S. 16th Street, Altoona, PA 16602

You can also access our Policy online by clicking on the Privacy Policy icon on the Investment Savings Bank Website.

INACTIVITY / TERMINATION

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive [number] day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the Online Banking you must notify Investment Savings Bank. Your notification should include your name, address and the effective date to stop the service You may notify Investment Savings Bank by one of the following methods:

By initiating a customer inquiry through our Web site By calling (814) 944-0843 By writing a letter and either sending it to:

Investment Savings Bank Attention: Internet Banking 900 S. 16th Street, Altoona, PA 16602

GOVERNING LAW

This Agreement is governed by the laws of the state of Pennsylvania and applicable federal law(s).

VENUE

Any dispute under this agreement shall be handled in accordance with the provisions of this agreement and this clause does not change anything already set forth in the same.  If litigation/court action is commenced it shall be filed in the Blair County Court of Common Pleas or The Federal District Court in Johnstown Pennsylvania.

FEE SCHEDULE

Investment Savings Bank offers the benefits and convenience of the Online Banking service to you at no monthly charge. Account research will be assessed at the rates published in Investment Savings Bank’s Miscellaneous Schedule Fees Brochure and deducted from your account you hold at Investment Savings Bank

These fees are subject to change. Investment Savings Bank will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.

Last Revised: October 10, 2020