Terms and Conditions

Terms and Conditions for Online Banking for GB Bank Group, Inc., a bank holding company which includes its wholly owned subsidiary Glennville Bank and all divisions of Glennville Bank, including Ludowici Bank, Reidsville Bank, Tippins Bank, and Statesboro Bank. (Hereafter referred to as "The Bank").

Thank you for your interest in The Bank's Internet Banking product. We appreciate your business and pledge to continue providing the highest quality products and services to accommodate our customers. Please review the following disclosure information and click "I Accept" to begin the process of Banking Online. To do so will activate the Contract, which follows. By your activation, you agree to accept by electronic delivery this agreement and disclosure. You further acknowledge receipt of this agreement and disclosure and agree to be bound by the terms and conditions herein.

The Bank has expanded its banking services to utilize the convenience and efficiency of Internet technology. You ("Customer") understand that the terms set forth are in addition to those that apply to any other accounts that Customer has with The Bank or any other service Customer thereafter obtains from The Bank. Customer further understands that any additional instructions and procedures applicable to the services covered by this Agreement provided by The Bank must also be followed.

Now, therefore, in consideration of the mutual promises and covenants contained herein, and for the other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, The Bank and Customer hereby agree as follows:

1. Initial access:
To activate Customer's Internet Banking service, Customer must have at least one active account with The Bank. To access The Bank's Internet Banking, Customer will create a Log on Access ID and password during the first connection online with banking information.

The Log-on ID must be at least six (6) characters.
The password criteria are as follows:

• Minimum Password Length 8
  
• Maximum Password Length 17
  
• Alpha and Numeric Characters
• Upper Case 1
• Special Character 1
  

Passwords are case sensitive and can be changed at any time by the account holder through our Online Banking Service; Customer shall take all reasonable and necessary precautions online to protect Access ID and password, such as not leaving the computer unattended while online; not sending over any public or general E-mail systems; and not giving or disclosing any part of the ID or password to any other party. Customer understands that anyone to whom Customer gives the password will have full access to Customer's accounts. You should carefully select a password that is hard to guess. (We suggest that you do not use names, dates, and information that may easily be guessed.) For security purposes, we recommend that you memorize the password and do not write it down.

2. Customer Liability:
Customer shall immediately notify The Bank in person or by telephone at (912) 654-3471 if customer believes that his/her ID, password, or other means of access may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account.

The Bank must receive written notice two (2) business days after Customer learns of such adverse event. If notice is timely given, Customer shall be responsible for no more than $50.00 in losses resulting from unauthorized access. If Customer fails to notify The Bank within 2 business days after Customer learns of the loss or theft of Customer's password, ID, or other means of access, Customer shall be responsible for the full amount of losses resulting from such unauthorized access. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 a hospital stay) kept you from telling us, we will extend the time period.

3. Using Customer Log-on and Password, Customer May Use Internet Connection to:

• Perform account inquiries on checking, money market, savings, certificate, and loan accounts
• View statement transaction detail on your accounts
• Print eStatements
• Transfer of funds between Bank deposit and/or loan accounts
• Initiate instructions for placing a stop payment on your checking account
• Download files to your financial management software

4. Hours of Accessibility and Business Days:
Access to the system is open 7 days a week, 24 hours a day. Only minimal downtime is expected for maintenance, upgrades, and processing; however, the System may be unavailable or slowed from time to time due to factors beyond our control, such as high internet traffic. Our business days are Monday through Friday, excluding holidays.

5. Fees and Charges:

• We do not charge for Internet Banking Features.
• Normal bank fees will be assessed for completed stop payments.
• Normal check printing fees will be assessed when check orders are processed.

6. Stop Payment Orders:
You may initiate stop payment(s) on check(s) drawn on your eligible linked accounts via on-line instructions to the Bank. This on-line feature cannot be used to stop payment on a preauthorized electronic fund transfer (ACH), a paper draft, or a series or range of checks. To be effective, your stop payment order must precisely identify the number, amount of the item and the payee. When we receive a stop payment order in this manner, you authorize us to follow the stop payment instructions that we receive on-line via access that was gained through the use of your access codes and to debit your account for the stop payment fee in accordance with the Bank's current schedule of fees. We must receive your stop payment order in time to give us a reasonable opportunity to act on it before our stop payment cutoff time or before we have paid the item, whichever occurs first. We are not obligated to honor your stop payment order if we have already paid the item before we receive your instructions, such as might occur if we cashed the item at a teller window or issued a money order against the item. Stop Payment requests are valid for a period of six (6) months unless you instruct us to cancel it or renew it. You may cancel a stop payment at any time, at the Bank. We may pay the check if it is presented to us after the stop payment expires.

7. Internet Transfer of Funds:
Customer must maintain sufficient funds in accounts to cover any request for transfers. If The Bank completes a payment transfer that Customer makes or authorizes and The Bank subsequently learns that Customer has insufficient funds for the transaction, Customer agrees that The Bank may reverse the transaction or offset the shortage with funds from any other account Customer has with The Bank. In any case, Customer is fully obligated to provide sufficient funds for any payments or transfers Customer makes or authorizes.

Transfers are final at the time The Bank receives Customer's instructions. The Bank will make transferred funds immediately available to the affected accounts. Your transfer instructions must be received by the Bank no later than 4:30 P.M. on any Business Day ("the Cut-Off Time") in order for the transaction to be completed on that Business Day.

Each transfer initiated on a non-business day or legal bank holiday will be considered initiated on the next ensuing business day.

Transfers can only be made between accounts for which you are an authorized signer.

Limitations on Transfers. If your account is a savings or money account, transfers from the account are limited in accordance with the deposit account agreement governing that account. In general, transfers through Internet Banking will count towards a maximum of six transfers allowed from the account in any statement cycle. If you exceed these limits, we may convert your account to a demand deposit account. Payments to your loan accounts may not count towards these limits. These limitations on frequency of transfers do not apply to transfers from a checking account.

8. Periodic Statements:

• You will get a monthly account statement from us for your Checking account(s).
• You will get a monthly account statement from us for your Savings account, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

9. Canceling the Service:
To Cancel The Bank Internet Banking, Customer must contact The Bank in writing or by E-mail to notify of Customer's decision to cancel.

The Bank reserves the right to cancel or suspend Customer's service at any time without notice due to insufficient funds or improper usage of the service. After cancellation, service may be reinstated, at the sole discretion of The Bank, upon Customer's request, provided that funds are available to cover the cost of any fees or pending transfers. The Bank may cancel Customer's service at any time for any account, which has not been accessed by Customer for a period of three (3) consecutive months.

10. Limitations on Bank Liability:
Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions.

The Bank will NOT be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If you have an overdraft line and the transfer would go over the credit limit.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• If you have not completely and properly followed the terms of the Agreement or instructions provided by the software regarding how to make an electronic fund transfer.
• If any date or instruction transmitted via our web site are inaccurate or incomplete.
• There may be other exceptions stated in our agreement with you.

The Bank shall NOT be responsible for the following incidents or errors:

• Access: The Bank shall not be responsible for failure to provide access or for interruptions in access due to system failure or due to other unforeseen acts or circumstances.
• Customer's Computer Equipment or Software: The Bank shall not be responsible for any errors or failures resulting from any malfunction of Customer's computer or any computer virus or other problems related to Customer's computer equipment used in connection with the services described in this Agreement. The Bank shall not be liable for any error, damages or other losses Customer may suffer due to malfunction or misapplication of any system used by Customer, including, but not limited to, browsers (Microsoft Explorer, Netscape Navigator, or otherwise), Internet service providers (ISP), personal financial management or other software (such as Quicken or Microsoft Money), or any equipment used (including telecommunications facilities, computer hardware and modem) by Customer to access or communicate under this agreement.

11. Error Resolutions:
In case of Errors or Questions About Your Electronic Transfers, call us at (912) 654-3471 or write to us at The Bank, 102 East Barnard Street, Glennville, GA 30427, 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.

• Tell us your name and account number (if any).
• 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.
• 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 days.

We will determine whether an error occurred within 10 business days (20 business days if the      transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

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

12. Other Provisions:
Electronic Notice: By Customer's consent to this Agreement, Customer consents that The Bank  may send notices by electronic mail (E-mail). Customer may use E-mail to contact The Bank about inquiries, maintenance, and/or some problem resolution issues. Customer understands that E-mail may not be a secure method of communication. The Bank recommends that no confidential, personal or financial information be sent by E-mail. There may be times when you may 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 The Bank offices at (912) 654-3471. The lobbies are open Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday 9:00 AM to 12:00 PM, Friday 9:00 AM till 6:00 PM.

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

Other Sites: This site may contain links to other sites on the Internet. These would be provided for your convenience. Links to another site do not constitute The Bank’s approval or endorsement of that site or its products or advertisements.

Amendments: From time to time, we may amend any part of this Agreement, including our fee structure. We will provide you with advance notice of changes in Fees and Charges, or if otherwise required by law. In other cases, we may provide you with notice either before or after the change.

Termination: We reserve the right to terminate this Agreement and your access to Internet Banking at any time with or without prior notice.

Entire Agreement: This Agreement sets forth the entire agreement between the parties, and it shall supersede all prior understanding or agreements between the parties, whether written or oral.