Consumer Internet Banking Disclosure

At The First National Bank of Mount Dora, we work hard every day to give you the very best service with the lowest fees possible.

System Hours of Operation

Consumer Internet Banking hours of operations are normally 24 hours a day, seven days a week. However, access may be restricted on Sundays between 12:01 a.m. and 12:00 p.m. to perform routine maintenance.

Customer Service

Telephone support is available at 1-877-403-6159, 24 hours a day, 7 days a week. You may also contact Customer Service through electronic mail. We generally respond to electronic mail inquiries within one business day of receipt.

Biometric Features

A biometric feature (such as a fingerprint or face scanner) is functionality that is built into many devices to provide options for unlocking the device and logging into apps.  You have the option to enable the biometric functionality of your device to login to Internet banking using biometrics instead of using your Log-in Credentials. You acknowledge that any person who has a biometric feature stored in your device (or a person that looks like you) may be able to access Internet banking on that device. If you choose to use biometrics for Internet banking, it is your responsibility to control access to your device to prevent any unauthorized access to Internet banking.

Business Days

Business days are Monday through Friday except for Federal holidays. Federal holidays in the United States are generally those ten holidays observed by the Federal Reserve Bank. Transactions initiated on Saturday, Sunday or any Federal holiday will be processed by the Bank on the next business day.

Processing Funds Transfers, Stop Payments, and Loan Payments

Funds transfers, stop payments, and loan payments initiated on any Bank business day before the service cutoff time will be processed on the same Bank business day. Funds transfers, stop payments and loan payments initiated after the service cutoff time shown below will be processed on the next business day.

If we are unable to process a transaction as requested, we will notify you via the e-mail system by 5:00 p.m. on the next business day after we receive the request.

Processing Internal Account Transfers

You may transfer funds among any linked First National Bank of Mount Dora checking, savings, and money market accounts set up on Consumer Internet Banking. Each transfer you make from your Money Market or Savings account counts toward the transfers or payments per statement period permitted under the terms of your account agreement. If you make more than the allowed number of transfers or payments from your account, we may have to change the account type of your account. A detailed explanation of the limitations on transfers, withdrawals, and payments from these accounts is contained in your original account disclosure that you received when you opened your account. All funds transfers processed via the Internet between internal accounts will be posted to your account balance immediately and will reflect in your available balance on the same business day.

Processing External Account Transfers

You may transfer funds among any linked First National Bank of Mount Dora checking, savings, and money market accounts and any linked external checking, savings and money market accounts set up on Internet banking. An external account is an account that you own at another financial institution. Each transfer you make from your First National Bank of Mount Dora Money Market or Savings account counts toward the transfers or payments per statement period permitted under the terms of your account agreement. If you make more than the allowed number of transfers or payments from your account, we may have to change the account type of your account. A detailed explanation of the limitations on transfers, withdrawals, and payments from these accounts is contained in your original account disclosure that you received when you opened your account.

External account verification: You must verify your External Account by entering in the account type, the account number, and the ABA/Routing number of your External Account. As part of the verification process, you may be asked to confirm trial deposits into your External Account. Once you receive the trial deposits into your External Account, you will be asked to confirm the amounts that were deposited.

It is your responsibility to ensure the accuracy of all information that you provide through Internet banking when you request an External Transfer, and that you inform us as soon as possible if you become aware that this information is inaccurate. We will make a reasonable effort to stop or recover a transfer made to the wrong account once we receive notice of the error and have a reasonable opportunity to act on it. However, we do not guarantee that we can stop or recover such a transfer, and we will have no responsibility or liability for any damages you may suffer as a result of incorrect information that you provided in connection with External Transfer Services.

All fund transfers processed prior to daily cutoff time via the Internet from your internal accounts to your external accounts will be posted on your internal account and will reflect in your available balance on the same business day. It may take up to two business days for the credit to be reflected on your available balance on the external account. All fund transfers processed prior to daily cutoff time via the Internet to your internal account from your external account will be posted to your internal account balance the same business day, however, there will be a hold placed for two business days as of the date of transfer in order to allow time for the debit to reach and be processed by the receiving financial institution for the external account. The First National Bank is not responsible for any delays on behalf of the receiving financial institution in posting transfers on your external accounts. A return item fee will be assessed to your First National Bank of Mount Dora account for any returns received due to nonpayment of the external transfer by the other financial institution. For the current return item fee information please see our Miscellaneous Fees brochure.

Funds Transfers

For funds transfer requests subject to the Uniform Commercial Code or applicable Federal regulation, the Bank will not be liable for any expense or claim arising out of or relating to its performance other than those damages required to be paid under the UCC or applicable Federal regulations, provided, however, that the Bank shall not be liable for any damages to the extent otherwise provided in the agreement. In no event will the Bank be liable for any special, indirect, exemplary or consequential damages, including, but not limited to, lost profits. The Bank shall not be responsible for the acts or omissions of any funds transfer system, any Federal Reserve Bank, any intermediary or beneficiary bank, or any recipient of a payment or a payment order intended to carry out a funds transfer request and no such person or entity shall be deemed to be the Bank's agent.

Charges

There may be a monthly maintenance fee for Consumer Internet Banking based on the plan you choose. The charge is subject to change with 30 days advance notification from the Bank. Monthly maintenance fees will begin in the month following enrollment for the service. Maintenance charges will not be refunded when there is no activity. Consumer Internet Banking monthly maintenance fees will be deducted from the primary checking account designated by you on your application. Your welcome letter, which is e-mailed by the Bank shortly after your account is set up, contains information about the services that have been approved on your account. The application fees that may apply from time to time are described in this brochure.

Stop Payment

• Stop Payment Requests through Consumer Internet Banking will not become effective until confirmation is received and verified by the Bank.
• The Bank must be provided with the exact dollar amount of your check, date of check, payee, and check number.
• The Bank will not incur a customer's costs resulting from refusal to pay a check.
• The Bank will not be liable for a check inadvertently or accidentally paid contrary to Stop Payment Request or for any checks returned for insufficient funds as a result of such action.
• The Bank must be notified promptly if a duplicate check is issued or if an original check is returned to the maker.
• Stop Payment Requests automatically expire after six months and can be renewed in writing.
• A Stop Payment fee* will be charged to the account in which the Stop Payment Request is made.

Bill Pay Disclosure

Please see separate Bill Pay Disclosure

Zelle®

See information about Zelle® in the Mobile Banking App

Fees And Charges

Privacy

The Bank recognizes that our customers and others visiting our Online Sites have an expectation of privacy when they're conducting business with us. For these reasons, the Bank takes security and privacy of customer information very seriously.

Please see the Bank's Privacy Policies, which can be found on our website for more specific terms and conditions.

Changes to Agreement

We may change this Agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or by electronic message. If you maintain your Consumer Internet Banking after the effective date of a change, you indicate your agreement with the change. All other terms and conditions in your signature card contract, Rules and Regulations and other agreements applicable to your account will remain in effect until otherwise notified by the Bank.

Reporting Unauthorized Transactions

Call us at (877) 403-6159. Customer Service is available 24 hours a day, 365 days a year. You may also write us at:

The First National Bank of Mount Dora
P O Box 95
Mount Dora, FL 32756-0095
Attn: Operations/Bill Payment Support

In Case of Errors or Questions about Your Electronic Transactions

Call, send us an e-mail, or write us AT ONCE if you think your Internet Banking Login Credentials have been discovered by an unauthorized person or if someone has transferred or may transfer money from your account without your permission.

We must hear from you no later than 60 days after we have sent the first bank statement on which the problem or error appeared.

If you tell us verbally, we may require you to send us your complaint or question in writing or via e-mail within 10 business days. When you contact us, please provide the following information: your name and account number, your Bank Deposit Account number, date and dollar amount of transaction in question, name of Payee if transaction in question is a payment, transaction number assigned by Internet Banking Service if available, and description of the transaction. Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation and we will promptly correct any error we have made.

Limitation of Bank's Liability

Call us AT ONCE at (877) 403-6159 or (352) 383-2111 if you believe your Consumer Internet Banking Login Credentials have been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us IMMEDIATELY. The unauthorized use of your Consumer Internet Banking Account could cause you to lose all of your money in your accounts, plus any amount available under your pre-approved overdraft protection account.

Also, if your statement shows transactions you didn't perform, tell us IMMEDIATELY.

If you give someone your Consumer Internet Banking Login Credentials, you are authorizing that person to use your service, and you are responsible for all transactions the person performs using your service.

All transactions that person performs even those transactions you did not intend or want performed are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. For your protection, sign off after every Consumer Internet Banking session and close your browser to ensure confidentiality.

If we fail or delay in making payment pursuant to your instructions, or if we make a payment in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount which we failed to timely pay, calculated from the date on which the payment was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the payment, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment in an erroneous amount which exceeds the amount per your instructions, or if we permit an unauthorized payment after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law our liability will be limited to a refund of the amount erroneously paid, plus interest thereon from the date of the payment to the date of the refund, but in no event to exceed 60 days' interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each day interest is due, computed on the basis of a 360-day year. UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT WILL THE BANK BE LIABLE TO YOU FOR SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR ATTORNEYS' FEES, EVEN IF WE ARE ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

Our Liability for Failure to Complete Transactions

• If we do not complete a Consumer Internet Banking transaction from your account on time, or in the correct amount according to our Agreement with you, we could be liable for your losses. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough available funds in your account (or available credit under your overdraft protection plan) to cover the transaction.

• If Consumer Internet Banking Services wasn't working properly, and you knew about the malfunction when you started the transaction or transfer.If circumstances beyond our control (such as fire or flood) prevent the transaction or transfer, despite reasonable precautions we've taken.

• If there are postal delays or processing delays by the Payee.

• There may be other exceptions not specifically mentioned here.

Protecting your Login Credentials

You agree that we may send notices and other communications including Login Credentials confirmations, to the current address or email address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that the Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to: 1) keep your Login Credentials secure and strictly confidential, providing it only to authorized signers on your account(s); 2) instruct each person to whom you give your Login Credentials that he or she is not to disclose it to any unauthorized person; and 3) immediately notify us and select a new password if you believe your password may have become known to an unauthorized person.

THE BANK WILL HAVE NO LIABILITY TO YOU FOR ANY UNAUTHORIZED PAYMENT OR TRANSFER MADE USING YOUR LOGIN CREDENTIALS THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. We may suspend or cancel your Login Credentials even without receiving such notice from you, if we suspect your Login Credentials is being used in an unauthorized or fraudulent manner.

Acknowledgement of Commercially Reasonable Security Procedures

By using the Consumer Internet Banking Service you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions, which are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).