TERMS AND CONDITIONS OF USE

In consideration of the internet banking services to be provided by Union State Bank as described from time to time in information distributed by us to our customers, the undersigned Customer agrees as follows:

Services available may include, but are not limited to:
- Balance inquiry
- Transaction history
- Transfer of funds between accounts
- Account history download capability
- E-mail to Bank
- Online review of check/deposit images

1. By utilizing the Services, Customer agrees to be bound to all rules and regulations applicable to Customer's deposit account at Union State Bank as established and amended by us which are specifically made applicable to this agreement.

2. Fees for Services shall be payable in accordance with a schedule of charges as established, and amended, by Union State Bank from time to time. Charges shall be automatically deducted from Customer's account and Union State Bank shall provide to Customer notice of such debit(s) monthly.

3. Regarding passwords - Once the Internet Banking Agreement and Enrollment Form has been completed and a login user ID and password for access to Union State Bank's internet banking site has been selected, Customer is solely responsible for the use of bank's internet banking site by anyone who utilizes its correct password. Union State Bank will have no duty to further verify the identity of any internet banking user with a valid password. Union State Bank will act on instructions received under the authorized password.

4. The laws of the State of Kansas shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.