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First Intercontinental Bank Internet Banking Agreement/Disclosure

This Agreement governs the use of First Intercontinental Bank's Internet Banking service and is made and entered into by and between First Intercontinental Bank ("Bank"), also referred to as "we" and each person who signs Bank's signature card for the Account being accessed or is referenced on the Bank's records as an owner of the Account, or each party whose signature appears on a credit line application ("Customer"), also referred to as ("you"). Each customer on the account is jointly and severally liable for all transactions initiated through Internet Banking, including overdrafts, even if the customer did not participate in the transaction, which resulted in the overdraft.

Banking business days are Monday through Friday, excluding Saturday, Sunday and federal holidays. You may access Account information through Internet Banking 24 hours a day, 7 days a week, except for interruptions due to maintenance or matters beyond the Bank's control.

Internet Banking services and each of your accounts are governed by the applicable Disclosures, Rates and Fee Schedules provided by the Bank in your new account packet, as each may be modified from time to time. Your initial use of Internet Banking services indicates your agreement to be bound by this agreement and acknowledges your receipt and understanding of this document.

To subscribe to Internet Banking, you must maintain at least one deposit Account with the Bank. Internet Banking will allow you to access more than one Account, to view Account balance(s) and transaction information, transfer funds among designated Accounts, send electronic mail to the Bank, and receive electronic mail from the Bank. The Bank reserves the right to deny the Customer the ability to access Internet Banking, to limit access or transactions or to revoke a Customer's access to Internet Banking without advance notice to the Customer.

You are responsible for paying any fees associated with Internet Banking as outlined within this agreement as well as any fees that may be accessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing Internet Banking.

The Bank is entitled to act on instructions received through Internet Banking under your password and without inquiring into the identity of the person using that password. You should not under any circumstances disclose your password by telephone or to anyone claiming to represent the Bank; First Intercontinental Bank's employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. The Bank has no responsibility in establishing the identity of any person using your password. If, despite the Bank's advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your password or other means of access will have full access to your account(s) even if you attempt to limit that person's authority. You must contact the Bank immediately in the event that your password has been lost, stolen or otherwise compromised so that it will not be honored and can be disabled. You hereby release the Bank from any liability and agree not to make any claim or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the actions or transactions to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account, such person is one of the Account owners. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from such claims or actions.

Account information displayed through Internet Banking is current information. Funds transfers between Account(s) initiated on your computer using Internet Banking and received by the Bank by 4:30P.M. EST Monday through Friday will be effective on the current business day. Funds transfers processed on your computer using Internet Banking and received after 4:30P.M. EST Monday through Friday or all day Saturday, Sunday and banking holidays will be effective the following business day. However, transfers and payment from a saving or a money market account will be limited to a total of six (6) in any one month.

Electronic mail to the Bank may be delayed; therefore, if you need the Bank to receive information concerning your Account immediately, you must contact the Bank in person or by telephone (i.e. stop payments, to report a lost or stolen ATM card or to report unauthorized use of your Account). The Bank shall have a reasonable period of time after receipt to act on requests or information you send by electronic mail.

On-line requests for stop payments on checks made on business days before 4:30P.M. EST, will be processed the same day. After the cut off time, the Stop Payment will be processed the next business day. To stop a check payment, provide the exact dollar and cents amount and the exact check number. A range of check amounts and check numbers should be used if you are not sure of the exact check amount or check number. If the amount or check number is not an exact match or is not within the range, the check will be paid.

You must verify that the check is unpaid before requesting a stop payment. Bank will not be liable for any check paid before your stop payment request takes effect. Your stop payment is in effect for six months from the date of the stop payment request and must be renewed before the expiration date to continue. If the check is presented for payment after your stop payment request expires, the check may be paid. There is a $25.00 charge for each stop payment request. Your checking account will be debited.

The Bank will mail or deliver to you periodic statements for your Bank Accounts as disclosed in your deposit agreements. The Bank will include any transfers you authorize through Internet Banking on your statements. You agree to review your periodic statements in accordance with this Agreement and any other deposit Agreements governing your Account, for accuracy of all data transmitted through Internet Banking. You should promptly notify the Bank of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by Internet Banking.

Some of the terms set forth below are governed by the Electronic Funds Transfer Act ("EFT Act"), which is only applicable to consumers. Commercial Account holders are not entitled to the rights provided under the EFT Act.

If you believe unauthorized transactions are being made from your Account, please notify the Bank immediately. Contact First Intercontinental Bank's Customer Support Representatives at 770-451-7200 or write the Bank at: First Intercontinental Bank, 5593 Buford Highway, Doraville, GA. 30340.

If you feel that any statement is wrong, or you wish to have more information about a transfer listed on a statement, contact us in writing or by telephone. We must hear from you within sixty (60) days after we send you the FIRST statement on which the problem or error appeared. When you contact us,

1) Tell us your name and Account number

2) Describe the error or the transfer you are unsure about, and explain as clearly as possible 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 notify us by telephone, we may require that you send us your complaint or question in writing within ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your Account.

We will tell you the results of our investigation within ten (10) business days after notice of the problem and will correct any error promptly. If we need more time, however, we may take up to ninety (90) days to investigate complaints or questions concerning foreign-initiated transfers, or up to forty-five (45) days to investigate all other electronic transfers. If we need this extended time to investigate, we will provisionally credit your Account within ten (10) business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete the investigation. If we decide no error occurred, we will send you a written explanation within three business days after our investigation is completed. You may ask for copies of the documents we used in our investigation.

You shall be responsible for all transfers you authorize through Internet Banking. You shall also be responsible for all transactions initiated by persons to whom you have given your password. You must report to the Bank AT ONCE if the password has been lost or stolen. Telephoning is the best way of minimizing possible losses. Failure to notify the Bank could result in the loss of all money in your Account plus your maximum line of credit, if you have one. If you report to the Bank within two (2) business days, the loss sustained by you will be no more than $50 if your password is used without your permission. If you do not report to the Bank within two (2) business days after learning of the loss or theft of the password, and the Bank can prove that it could have prevented someone from using the password without your permission had it been notified, you could lose as much as $500. Also, if the statement shows electronic transfers you did not make, report them to the Bank at once. If you do not tell the Bank within 60 days after the statement was mailed, you may lose all of the money transferred after the 60 days if the Bank can prove that it could have prevented the loss had you reported it promptly. The Bank may extend the time periods for a good reason, such as a long trip or hospital stay, which might keep you from notifying the Bank.

The Bank shall be responsible for performing services expressly provided for in this Agreement, and shall not be liable for any error or delay, so long as the Bank acted in accordance with the terms and conditions hereof. The Bank shall not be liable if you do not have sufficient funds in a designated Account to complete the transaction you initiate or if the Account is closed. The Bank shall not be liable if you have not given the Bank complete, correct or current transfer or payment instructions or if you have not followed proper instructions given through Internet Banking. The Bank shall not be responsible for any loss, damage, liability, or claim arising, directly or indirectly from any error, delay or failure in performance of any of its obligations hereunder which is caused by fire or other natural disaster, strike, civil unrest, any inoperability of communications facilities or any other circumstances beyond the control of the Bank.

You agree that any controversy, dispute or claim arising out of, in connection with, or relating to this Agreement, its interpretation, performance or nonperformance, or any default or breach shall first be submitted to arbitration in Atlanta, Georgia in accordance with the Commercial Arbitration Rules then in effect of the American Arbitration Association as hereinafter modified. This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, applicable to agreements made and to be performed entirely within such State, without regard to principles of conflict of law. Any action for equitable relief pursuant to, or to enforce, any provision of this Agreement shall be instituted in the United States District Court for the Northern District of Georgia or in the Superior Court of Dekalb County, Georgia, and the you hereby expressly submit and consent to the jurisdiction of such courts for such purpose.

This Agreement contains the entire understanding of the parties and supersedes or merges all prior and contemporaneous agreements and discussions between the parties. Any and all representations or agreements by any agent or representative of any party not contained in this Agreement shall be null, void and of no effect. This Agreement may not be amended, modified or changed in any way, except by an instrument in writing, signed by all parties. Only the bank President is authorized to sign any such instrument on behalf of the bank. If any one or more of the provisions contained herein for any reason are held to be invalid, illegal or unenforceable in any respect, such invalidity, illegality, or unenforceability shall not affect any other provision hereof, and this Agreement shall be construed as if such invalid, illegal or unenforceable provision had never been contained herein. In the event of an ambiguity or question of intent or interpretation, this Agreement shall be construed as if drafted jointly by the parties and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any of the provisions of this Agreement.

I certify that I am at least 18 years of age, and that I have read, understand and agree to all terms, conditions and disclosures indicated in this agreement and that I have truthfully and fully completed all items on this application.

My initial use of First Intercontinental Bank's Internet Banking product constitutes my acceptance and agreement to be bound by all of the terms and conditions of this agreement and acknowledges my receipt and understanding of this agreement.

The Bank has the right to modify or terminate this Agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Internet Banking transfers will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers. If we modify this Agreement, your continued use of Internet Banking services will constitute your acceptance of such changes in each instance.

Customer Signature:
By signing or submitting this form, I acknowledge that I have read and agree to the terms and conditions and I authorize First Intercontinental Bank to issue a temporary password on my behalf, which I must change to a private password of my choosing the first time I log in to First Intercontinental Bank Internet Banking.
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