First Net eStatement Agreement

INTRODUCTION:

This Agreement, which includes the related Disclosures and Fee Schedule, establishes the rules which cover your access to electronic periodic statements for your checking and savings accounts at First National Bank in Fairfield. By accessing your e-Statement, you accept all the terms and conditions of this Agreement and any amendments that may be made from time to time. Please read it carefully, and print a copy and/or retain this Agreement electronically for your records.

The terms, conditions and disclosures for each of your deposit and loan accounts, and any other agreements you may have with us, will continue to govern those accounts unless otherwise amended by this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Iowa (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and our successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Disclosures and Fee Schedule, constitutes the entire agreement between you and us with respect the delivery of electronic periodic statements.

Definitions: As used in this Agreement, the words "we", "our", "us" and "Bank" mean First National Bank in Fairfield. "You" and "your" refer to the accountholder authorized by Bank to enroll for and view electronic statements under this Agreement and anyone else authorized by that accountholder to enroll for and view electronic statements. "Account" or "accounts" means your deposit accounts at Bank. "Electronic funds transfers" means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your Bank accounts using Internet Banking, including Bill Payments. "e-Statement" means a periodic statement that is delivered electronically rather than in paper form. "Internet Banking" or "Internet Banking Service" means the services provided pursuant to the Internet Banking Agreement and this e-Statement Agreement. "Business days" means Monday through Friday, Federal Holidays are not included. "Business Hours" are 9:00 a.m. to 4:00 p.m. Central Time on business days.

HOURS OF ACCESS: You can view e-Statements seven days a week, twenty-four hours a day, although some or all Internet Banking services may not be available occasionally due to emergency or scheduled Internet Banking maintenance. We will post notice of any extended periods of non-availability on the Bank's website.

SECURITY: You understand the importance of your role in preventing misuse of your accounts through Internet Banking and you agree to promptly examine your statement for each of your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your User ID and password are intended to provide security against unauthorized access to your e-Statements. Data transferred via Internet Banking is encrypted in an effort to provide transmission security and Internet Banking utilizes identification technology to verify that the sender and receiver of Internet Banking transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the Internet Banking and viewing of e-Statements is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing BANK Internet Banking, or e-mail transmitted to and from us, will not be monitored or read by others. We also cannot and do not warrant that downloads from this site will not contain a virus or other destructive device. Therefore, we have no liability to you for any loss, claim or damages arising from or in any way related to our response(s) to any email or other electronic communication that we in good faith believe that you have submitted to us. We reserve the right to require authentication of emails or other electronic communications to verify the authenticity of the communication. If we cannot authenticate a communication to our satisfaction we may not act upon that communication.

E-SIGN ACT:

MINIMUM SYSTEM REQUIREMENTS FOR CONSUMER INTERNET BANKING: To use our e-Statement delivery service, you must have a computer that meets the following minimum requirements: 133 MHz processor, 64 Mg of memory, 56k modem, and 800x600 screen resolution. (The product may run on less than these minimums, but your response may be slower.)

You must also have the following software capabilities: A web browser with 128 bit Encryption, the latest commercially acceptable version of your web browser is recommended. If you use Microsoft Internet Explorer, no special configuration options are required. If you use Netscape Navigator, you should verify the following Netscape settings: (1) On the Netscape Navigator toolbar, select EDIT / PREFERENCES / ADVANCED and ensure that the box labeled 'Enable JavaScript for Navigator' is checked. (2) On the Netscape Navigator toolbar, select VIEW / SET LANGUAGE REGION and ensure the language option is set to English (US). You must also have Adobe Acrobat Reader® to access and view your e-Statements and any inserts such as updated disclosures or marketing materials. If you do not have Acrobat Reader on your computer, you will be directed to the Adobe download site to download this free software.

If there is a change in the hardware or software requirements associated with e-Statements, we will notify you and provide an explanation of those updated requirements. It is your sole responsibility to insure your personal computer and related equipment and software are compatible with and capable of operating in a manner that permits you to access and view e-Statements. If you cannot meet the requirements for any reason, you have the right to withdraw your enrollment from E-Statements at no cost to you, and paper statements will be resumed.

ELECTRONIC STATEMENTS - DEPOSIT ACCOUNTS:

You may, at your option, choose to receive your deposit account periodic statements in electronic form ("e-Statements") rather than paper form. Unless you choose the option for electronic statements, you will continue to receive your periodic statements in paper form. If you choose to receive electronic statements, you will also receive other disclosures sent with paper periodic statements in electronic form. These may include, but are not limited to: fee changes for various products and services we offer, changes in interest rates, changes in the terms of your account(s) with us, and/or other changes in your Account Agreements.

ACCESS AND ENROLLMENT: In order to have access to your e-Statements online, you must have a Bank checking or savings account, be enrolled in Internet Banking, and have a valid email address. Use your user ID and password to access your account, and then click on the "Statements" button and follow the prompts to sign up for e-Statements or change your options.

E-MAIL ADDRESS - NOTIFICATION OF STATEMENT AVAILABILITY: You must have a valid email address to enroll in our e-Statement delivery service. We will send you an email notification at the last email address we have of record when your online statement is available. Your e-Statements will remain accessible within Internet Banking for thirteen (13) months, beginning with the first statement after you enroll for e-Statements. You agree to accept responsibility for notifying us if your email address changes. If we send you an email notification and it is returned to us as undeliverable, you will still be able to access your e-Statement from within Internet Banking and should do so until your email address is updated or until we resume sending you paper statements. It will be your responsibility to notify us that you are unable to access your e-Statement. If your email notification is returned to us as undeliverable, and we have not received notice of change of email address from you, your enrollment in the e-Statement delivery service may be discontinued; and, if so, we will send that statement and all future statements to you in paper form at the physical address we have for you on our system. If you choose after that to again receive electronic statements, you will need to re-enroll for electronic statements and have an updated valid email address.

REQUEST FOR PAPER COPIES: Once you have chosen to receive e-Statements, we will no longer send paper statements to you; however, you do have a right to receive your statements in paper form. If you ever have any question about a transaction on your statement, or you otherwise need a paper copy, you may request copies of any statement by calling us at 641-472-4121 or coming in to our Main Bank or any of our Branches during business hours. You may receive one statement hardcopy per calendar year for no charge; additional copies and research will be charged as stated in your original Account Agreement, as amended from time to time.

CONSENT TO ELECTRONIC DELIVERY OF NOTICES: By completing enrollment in e-Statements, you agree to be bound by all the terms of this Agreement and you acknowledge your receipt and understanding of this Agreement. You also consent to receive these e-Statement disclosures, and any future disclosures, in electronic format by posting on the Bank's website or by email. Future disclosures may include but are not limited to: electronic fund transfers disclosures, changes in hardware / software requirements to use Internet Banking, and changes in fees related to electronic banking.

WITHDRAWAL FROM E-STATEMENTS: Once you have chosen to receive electronic statements, you may withdraw the option at any time at no cost to you, simply by accessing your account online, clicking on the "Statements" button, then "Account Preferences" and de-select electronic statements. Or, you may write to us at First National Bank in Fairfield, 100 East Burlington, Fairfield, IA 52556 and request that we send future statements to the physical address we have on our system in paper form.
If your e-Statement cancellation request is received within five (5) business days prior to the end of the statement cycle, your current statement will be sent to you in paper form. If your request is not received within the above timeframe, your current statement may be sent to you electronically, and subsequent statements will be sent to you in paper form.

Please understand that, while we will begin processing this request as soon as it is received, depending on your statement schedule, it may take one or two statements to have your request completed.

Please note that, once you have enrolled in the e-Statement service, if you later choose to withdraw from e-Statements (or if we have begun sending paper statements to you as a result of an incorrect or invalid email address as noted in the "E-Mail Address - Notification of Statement Availability" section above) you will lose all access to the e-Statement service, including your online statement history.

ELECTRONIC FUNDS TRANSFERS ACT:

TYPES OF TRANSACTIONS: By enrolling for e-Statements, you will be able to view your periodic statement for your checking or savings account(s) including electronic fund transfers; Bank newsletters, and/or statement inserts which may contain important legal notices that affect you and/or your bank accounts.

CHANGE IN TERMS: We may change any term of this Agreement at any time. If the change would result in increased fees for the e-Statement delivery service or increased liability for you, we will give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Bank?s website or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of the e-Statement delivery system indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, INCLUDING BILL PAYMENTS: In case of Errors or Questions About Your Electronic Transfers, call, write, or e-mail us as soon as you can at the telephone number, address, or e-mail address listed in this Agreement, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we send the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number.
2. 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.
3. 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 business days. We will determine whether an error occurred within 10 business days (5 business days for CheckCard point-of-sale transactions and 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, a point-of-sale transaction, 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 (5 business days for CheckCard point-of-sale transactions and 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 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide 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.

MISCELLANEOUS:

YOUR CONTACT INFORMATION: If your email address or any other contact information (e.g. your name, physical address, phone number, etc.) changes, please notify us immediately either by phoning us at 641-472-4121 or stopping in at our Main Bank or any of our branches during business hours, or emailing us at info@fnbfairfieliowa.com.

DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY: We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Internet Banking services provided to you under this Agreement. We do not and cannot warrant that Internet Banking will operate without errors, or that any or all Internet Banking services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to Internet Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of BANK and its affiliates exceed the amounts paid by you for the services provided to you through Internet Banking. Various brand and product names are trademarks or registered trademarks of their respective owners.) Features and services availability are subject to change without notice.

OUR RIGHT TO TERMINATE: You agree that we can terminate or limit your access to Internet Banking Services for any of the following reasons:

1. Without prior notice, if you have insufficient funds in any one of your BANK
accounts. Internet Banking service may be reinstated, in our sole discretion,
once sufficient funds are available to cover any fees, pending transfers, and
debits.
2. For Bill Payment Users: Upon 3 business days notice, if you do not contact us to
designate a new Bill Payment Checking Account immediately after you close the
checking account you have designated as the account to be debited for Bill
Payment Services.
3. Upon reasonable notice, for any other reason in our sole discretion.
4. If you do not log in to Internet Banking for a period of more than six (6) months,
we may remove your access to Internet Banking. If you wish to have your access
re-instated, you will need to call us at 641-472-4121. We may request you to
complete the enrollment process again.

COMMUNICATIONS BETWEEN BANK AND YOU: Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

CONTACT US: You can contact us with any questions or concerns you have about Internet Banking by:

E-mail: info@fnbfairfieldiowa.com

(Please note that banking transactions through Internet Banking are not made via e-
mail. Also please note that email is not necessarily secure; therefore you should
not include confidential information such as your account number in email
communications)

Contact Person: Jeffrey C. Johnston, SVP, 641-472-4121

Telephone: 641-472-4121

Facsimile (Fax): 641-472-7223

Postal Mail: First National Bank in Fairfield, 100 East Burlington, Fairfield, Iowa
52556

In Person: You may visit us in person at any one of our locations:
* Main Bank.................................100 E. Burlington, Fairfield
* Branch....................................... 1900 W. Burlington, Fairfield

TRUTH IN SAVINGS:

FEES AND CHARGES: You agree to pay the fees and charges for your use of Internet Banking services as set forth in the current fee schedule. You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Internet Banking.

E-STATEMENT FEES:

Internet Banking:.................................. Free Access
e-Statements:....................................... Free Access

Extras

Don't forget the extras!

Getting your FNB account is just the beginning, don’t forget these extras to make your experience more rewarding!