CUSTOMER AGREEMENT FOR ONLINE SERVICES

DEFINITIONS – The following definitions apply in this Agreement

"Account" means your eligible Deposit and/or Personal Credit Account(s) with MileStone Bank.

"Business Day" means every day, excluding Saturdays, Sundays and Federal Holidays on which no bank processing occurs, or any other day we are closed.

"Computer" means collectively your computer, any software and the related equipment, and any other Internet access device through which we may offer access to our online services.

"Credit Account" means any personal credit account (line of credit, personal loan, home equity loan or mortgage loan) with us that you have linked to our online Service.

"Deposit Account" means any deposit account (checking, savings, money market, IRA or certificate of deposit) with us that you have linked to our online Service.

"Service" means collectively, any or all MileStone Bank Web Banking online services.

"We," "us", and "our" means MileStone Bank and any agent, independent contractor, designee or assignee that MileStone Bank, in its sole discretion, involves in the provision of the Service.

"You" and "your" means any individual or business enrolled in or using the Service

EQUIPMENT AND SOFTWARE REQUIREMENTS

In order to use the Service, you will need a Computer with Internet access and a web browser that supports 128-bit encryption, (such as Netscape Navigator® or Microsoft Internet Explorer®) or an equivalent.

You are responsible for the installation, maintenance, and operation of your Computer and any losses or delays caused by your Computer. You are also responsible for all telephone charges incurred in connecting to the Service and for charges by any service provider providing connection to the Internet. We are not responsible for losses or delays caused by your service provider.

SECURITY AND ACCESS CODES
In order for you to use the Service, you must have at least one of the following eligible accounts with us.

Personal Account Holders:

• Personal Deposit Accounts: checking, savings, money market, club, IRA and certificate of deposit

• Personal Credit Accounts: home equity loan, personal loan, automobile loan, line of credit and mortgages

BY ENROLLING, YOU AUTHORIZE US TO PROVIDE YOU WITH ACCESS TO ALL ELIGIBLE ACCOUNTS HELD IN YOUR NAME AND/OR THAT YOU HOLD JOINTLY WITH OTHERS THAT ARE OPEN AT THE TIME THE SERVICE IS INITIALLY PROVIDED, OR THAT ARE OPENED IN THE FUTURE.

Business Account Holders:

• Business Deposit Accounts: business checking, business statement savings, money market and certificate of deposit
• Business Credit Accounts: Commercial Loans and lines of credit

YOU ARE RESPONSIBLE FOR NOTIFYING US IF THE SIGNATURE AUTHORITY CHANGES ON YOUR ELIGIBLE BUSINESS ACCOUNTS.
We reserve the right to change or limit the types of Accounts that are eligible for personal and/or business account holders. An Account that requires two or more signatures to make withdrawals, transfers or transactions can not be designated as an eligible Account. Payments and transfers from savings and money market accounts are restricted by law – refer to your deposit agreement for details.

AVAILABLE SERVICES

1. Obtain balances and information
2. Obtain images of your cancelled Deposit Account checks
3. Access our transfer service:

a) Transfer funds to/from your checking, savings, money market, club and/or personal line of credit Accounts with us *
b) Transfer funds to make your personal home equity loan, personal loan or personal mortgage loan payments *
* NOTE: IMPORTANT INFORMATION CONCERNING TRANSFERS:

• Transfers requested after 5:30 p.m. (EST) on a Business Day or at any time on a non-business day (Saturday, Sunday, Federal holiday on which no bank processing occurs, or any other day we are closed) will be posted to your Account the next business day.
• Transfers done against uncollected, insufficient, or unavailable funds will be subject to applicable fees and may be reversed the next day. You agree to notify us promptly if a transfer you initiated was not completed.

Canceling a Transfer: Once initiated and processed, transfers cannot be cancelled. Once funds are delivered to any recipient, transfers are non-reversible and non-refundable to you.

4. Download certain Account information
5. Request a stop payment

• The stop payment feature of the Service is an on-line entry system for issuing stop payment orders between you and us. Where you elect to execute a stop payment through the stop payment feature of the Service, you shall first verify that the item has not already been posted to your Account. If you attempt to place a stop payment request for an item that has already been paid prior to your entry of the request, then we will not be liable for any loss incurred by you arising from such payment.
• You agree to accurately provide the following information when placing a stop payment request: check number, date written, amount and payee.
• You acknowledge and agree that it is your responsibility to print and retain all confirmations via the Service.
• WE WILL NOT BE RESPONSIBLE FOR THE FAILURE TO PLACE A STOP PAYMENT OR TO STOP PAYMENT ON ANY CHECK IF ANY OF THE INFORMATION REQUIRED IS INCOMPLETE OR INACCURATE.
• In addition to the limitations as described in the "LIABILITY" section of this Agreement, we will not be responsible for losses incurred as a result of payment of an item over the counter at any of our locations on the same day that an on-line stop payment is placed.

6. Reorder Personal Deposit Account checks
7. Communicate with us through Web Banking via secure bank mail (i.e. messaging)
• Because normal Internet email transmissions may not be secure, for Account inquires, you agree to contact us electronically only through the Secured Web Banking email. If you elect to send an email to us via the Internet we recommend you do not send confidential information. At times, we may send you non-confidential messages through your external e-mail address. Therefore, if for any reason your external e-mail address changes or becomes disabled, please contact us immediately so that we can continue to provide you with these messages.
8. E-statement option – electronically receive your periodic Deposit Account statements and disclosures
9. Bill payment option - pay bills through our Web Bill Payment service

FEES
You agree to pay and hereby authorize us to debit your Account(s) for the charges or fees which are imposed by us for the Service, or for services which may later be offered, as such fees or charges may be imposed or changed from time to time.

Currently, there are no fees for using the Service for Personal Account holders including the bill payment options. We reserve the right to impose or change fees for the Service and charge your Accounts(s) for these fees at any time after such notice, if any, is required by law. Our standard fees for special requests such as, but not limited to, stop payments will apply.

LIABILITY
You agree that we are not responsible for any errors or failures from any malfunction of your Computer or any virus or problems related to the use of the Service. We are not responsible for damages arising from the use or maintenance of other software used to access or communicate with the Service.

You agree to cooperate with us in the investigation of any claim or dispute and provide us with information and documentation as may be necessary in order to assist us in resolving your claim or dispute.

YOU AGREE TO BE RESPONSIBLE FOR ANY AND ALL USE OF THE LOGIN ID AND PASSWORD AND THE SERVICE, THE BROWSER, AND ANY TRANSACTIONS CONDUCTED USING THE SERVICE. WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SERVICE OR THE BROWSER, INCLUDING DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES. WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES BECAUSE OF FAILURE OR DELAY IN THE DELIVERY OR PROCESSING OF ANY PAYMENT, NOT CAUSED BY US. TO THE EXTENT PERMITTED BY APPLICABLE LAW OR REGULATION, WE DO NOT WARRANT YOUR EQUIPMENT, THE SOFTWARE OR THE BROWSER OR THAT THEY ARE MERCHANTABLE OR FIT FOR A PARTICULAR PURPOSE, OR OTHERWISE, AND WE HEREBY DISCLAIM ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES. ANY PROBLEMS WITH YOUR EQUIPMENT, THE SOFTWARE OR THE BROWSER MUST BE RESOLVED DIRECTLY WITH THE MANUFACTURER OR OTHER SUPPLIER. WE DO NOT WARRANT THAT YOUR USE OF THE SERVICE WILL BE UNINTERRUPTED OR THAT OPERATION OF THE SERVICE WILL BE ERROR FREE OR SECURE.

You agree not to alter or use the Services for any unauthorized, fraudulent or other illegal purpose.

TERMINATION OR DISCONTINUATION

You may terminate any Service by e-mailing Online Banking Services through Web Banking, calling us at (267) 327-4910, or by writing to Retail Online Banking Services at 1980 S. Easton Rd. Suite 110  Doylestown, PA 18901. If you terminate a Service, you authorize us to continue making those transfers and payments that you had scheduled or paid for prior to termination. We have the right to refuse or revoke access to or terminate any Service at any time, without cause or notice or refund of previously charged or accrued fees. We may also refuse to make any transfer or payment to any payee without cause or notice. Your privileges may be revoked without notice if any Account becomes overdrawn, delinquent or otherwise ceases to be in good standing, or you do not utilize the Service for a period of time. If we terminate your use of a Service, we reserve the right to make no further transactions from or to your designated Account, including any transactions you previously authorized. Neither termination or discontinuation of any Service shall affect your liability or obligation under this Agreement.

CONTACT BY MILESTONE BANK OR AFFILIATED PARTIES
No MileStone Bank or company affiliated with MileStone Bank will contact you requesting your Login ID or Password for the Service. If you are contacted by anyone requesting this information, do not disclose your information and contact us immediately.

ACCEPTING THE AGREEMENT
By clicking "I Agree", you indicate your acceptance of this Agreement. You should print a copy of this Agreement for your records.