Please take the time to familiarize yourself with the terms of service, which include disclosures and limitations of liability.  You should keep this notice for future reference. 

In this agreement the words "you" and "yours" refer to the Internet/Mobile/SMS customer.  The terms "we", "us", and "our" refer to First & Farmers National Bank.

The Agreement.  This agreement and the Electronic Funds Transfer Agreement and Disclosure (collectively, the "Agreement") is between you (or parties you authorize to use our service) and First & Farmers National Bank via the World Wide Web and your personal computer or mobile device(s).  By accessing this service you understand and accept the terms, conditions, and fee(s) associated with the use of this product.  This agreement will be governed by the On Line laws and regulations of Kentucky and the United States, as amended from time to time.

Internet Banking.  Internet Banking is an electronic banking service provided by First & Farmers National Bank to enable our customers to view their current account balances and transaction history, make payments on their First & Farmers National Bank loans, and transfer funds (between pre-authorized First & Farmers National Bank accounts).  As a valued customer, you will have access to our "Bill Pay" program. 

Mobile/SMS Banking.  Text (SMS) Banking and mobile browser banking, FREEDOM Banking, are available to First & Farmers National Bank Customers.  Customers interested in SMS banking must visit one of our locations and request activation for SMS Banking.  Or, they may self-register at https://firstandfarmers.mo-banking.com/signup.  Customers will then receive a confirmation number via premier notice which they will have to text for confirmation of receipt to begin texting for account information.  With SMS Banking, customers will be able to send simple text messages in order to receive Balance information on accounts, view up to 5 images, and set up alerts to inform you of threshold balances concerning your First & Farmers National Bank accounts.  With mobile browser banking, you will receive all of the benefits of viewing more images than through SMS, transfer funds, pay bills, and more.  You must already be registered as an Internet Banking customer in order to use FREEDOM Banking via mobile browser.  As User Identification and PIN information is changed on either mobile banking or Internet Banking, so it will be on the other device.  We urge customers to protect their mobile devices as they would a personal computer.  Safeguard all user names and passwords, and always keep your mobile device in a safe place where others may not be able to access the personal information stored on the device.  For details, questions, or concerns regarding these services as well as Internet Banking, please call 1-888-384-2361. 

Pre-Authorized Accounts.  Any signer of the account may authorize an account to be linked.  These accounts are Checking, Savings, Certificates of Deposit, Loans, and accounts that you have specified you wish to access via a mobile device and/or an Internet Account.  At any time you may add, change or remove any of these accounts.  Please contact our e-Banking Customer Service Representative during regular business hours at 1-888-384-2361 for more details.  Any personal or non-personal account that requires multiple signatures to authorize debits is not eligible. 

No Signature Required.  At which time you elect to transfer funds between your pre-authorized First & Farmers National Bank accounts, you must authorize us to honor debits drawn against your accounts without presence of your signature.
Your User Code and Password.  Your user code is a combination of alpha, numeric characters and must be 6 to 20 characters in length.  It can not be your Social Security number.  Your password is defined by the user as well, and must contain 8 characters, either upper and/or lower case with a minimum of one non-alpha digit.  You should keep this information confidential.  You have the option at any time to change your password, and we recommend that you practice this on a regular basis.  If you forget your password, please either follow the steps on the log-in page, or contact our e-Banking Customer Representative at 1-888-384-2361.  If you make your user code and password available to others to act on your behalf, you are responsible for all activity authorized by your user code and password.
Account Balance Verification.  At any time, you may log-in and check your current balance, items which have been presented for payment against your account (checks, ATM transactions, VISA Check Card purchases and automatic withdrawals), and deposits that have posted.  All balances are subject to deposit verification.  Your ability to log-in to the internet banking is contingent upon system readiness.  From time to time, First & Farmers National Bank or our service vendor may find it necessary to perform maintenance or upgrades to the system which could cause delays in your ability to access your First & Farmers National Bank account information on-line.  Please be assured that any delays are necessary and temporary.
Right of Termination.  You may cancel your Internet Account Access (in effect, your Mobile Banking Service) at any time by writing us at the address listed below.  We require 10 (ten) days written notice prior to the date you wish to receive your cancellation request completed.  You will be responsible for scheduled payments or transfers within 10 (ten) days if we have not completed your request to cancel service.  We may cancel your enrollment in this service at any time due to insufficient funds in one or more of your accounts.
Business Days.  Monday, Tuesday, Wednesday, Thursday, Friday and Saturday except for Federal holidays.  The service is available 24 hours per day unless system maintenance or upgrades are necessary.  Our daily cut-off time is set for 2:00 p.m. Central Standard Time.  All transactions received after 2:00 p.m. central time may be posted on the following business day.  You will receive a monthly account statement showing your Electronic Funds Transfer debits.
Incomplete Payments.  Our 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 your request we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:
1. If, through no fault of ours, you do not have enough money in your deposit account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
5. There may be other exceptions stated in our agreement with you.
Third Party Disclosure.  We will only disclose information to third parties about your account or the transfers you make.  The information you enter through Internet Banking may be recorded and retained by us. 
1. When it was necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders, or investigations or examinations by our bank regulators; or
4. If you give us written permission; or
5. As may be otherwise authorized in other agreements with us.

Reporting Unauthorized Transactions.  If you feel that an unauthorized transaction has been performed from your pre-authorized account without your permission, contact our e-Banking Customer Representative at 1-888-384-2361 during regular business hours.

Your Liability for Unauthorized Transfers.  Tell us AT ONCE if you feel your Internet Account Access has been tampered with or broken into, including if your password is lost or stolen.  Also, please notify us IMMEDIATELY if your mobile device has been lost or stolen.  Telephoning is the best way of keeping your losses down; DO NOT USE EMAIL.  You could lose all the money in your accounts plus your maximum line of credit.  If you tell us with in 2 (two) business days, you can lose no more than $50.00 (fifty dollars).  If you do not tell us within 2 (two) business days after you learn of the tampering, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, then you can lose as much as $500.00 (five hundred dollars).  Also, if your statement shows transfers that you did not make, tell us AT ONCE.  You should examine your statement promptly upon its receipt.  If you do not tell us within 60 (sixty) days after the statement was mailed to you, you may not get back any money you lost after the 60 (sixty) days if we can prove we could have stopped someone from taking the funds from your account should you have told us in time.  Only if an extenuating circumstance completely out of your control occurs, will there be a possibility of a time extension.

Error Resolution Notice.  With respect to your Internet Banking or FREEDOM Banking mobile/texting services, call us at 1-888-384-2361 or write to us at P.O. Box 999, Columbia, Kentucky 42728 as soon as you can, if you think your statement is incorrect or if you need more information about a transfer listed on the statement.  We must hear from you no later than 60 (sixty) days after we sent you the FIRST statement upon which the error or question appeared.  Call or write and follow these steps:
1. Tell us your name and account number
2. Describe the error or discrepancy, 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.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 (ten) business 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 (forty-five) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated), or longer if permitted by law, to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 (ten) 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 (forty-five) days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer), or longer if permitted by law, to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 (ten) 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 funds 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 (ten) business days, we may not credit your account.  An account is considered a new account for 30 (thirty) days after the first deposit is made, if you are a new customer.

If we decide that there was no error, we will send you a written explanation within 3 (three) business days after we finish our investigation.

Pre-authorized Electronic Fund Transfer

Stop payment rights  If you have told us in advance to make regular electronic fund transfer out of your account(s); you can stop any of these payments.  Here's how:  Call us at 1-888-384-2361 in time for us to receive your request 3 (three) business days or more before the payment is scheduled to be made.  If you call, we may require you to put your request in writing and get to us within 14 (fourteen) days after you call.

Notice of Varying Amounts.  If these regular payments vary in amount, the person you are going to pay will tell you, 10 (ten) days before each payment, when it will be made and how much it will be.  You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Liability for Failure to Stop Payment of Pre-authorized Transfers.  If you order us to stop one of these payments 3 (three) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Savings Account Transfer Limitations  You may make 6 (six) transfers from your account each 4 (four) week or similar period.  These 6 (six) transfers may be any combination not to exceed 6 of the following:  checks, drafts, debit card transactions, automatic or electronic transfers to an account of the same depositor at the same institution and/or transfers to third parties by preauthorized automatic transfer (includes ACH) or telephone agreement, order or instruction.  Withdrawals and transfers involving Savings Accounts that are of unlimited nature include any of the following:  by mail or telephone if the check is mailed to the depositor, made in person, made by messenger, made through an ATM, and/or if the transfers are made to pay loans and associated expenses at the same institution.  Service charges may apply should the number of transactions described above exceed 6 (six) in a four week period.  See Schedule of Fees for more details.

Fees Internet Banking and FREEDOM Banking are free features First & Farmers National Bank offers their valued customers.  However, standard messaging and data rates may apply via your cellular service carrier.

Damage to Equipment.  First & Farmers National Bank accepts no responsibility for interruption of service due to loss of electric power or lack of telephone service and line quality or PC or modem failure.  Furthermore, we are not liable for any breaches of customer information if the information is received through a mobile device.  It is the sole responsibility of the Customer to ensure that their mobile devices are secured and protected by anti-virus software.  We strongly encourage all customers to safeguard all personal computer and mobile devices and to take proper measures to protect themselves from identity theft.  First & Farmers National Bank will not be responsible for any loss or damage to your equipment (computer, software, mobile devices, etc.) resulting directly or indirectly from the use of First & Farmers National Bank Internet, SMS, or Mobile Banking services.