INTERNET BANKING AGREEMENT
TERMS AND CONDITIONS OF USE


        

Welcome to Peoples Bank’s Web site (www.pplsbk.biz). These terms and conditions of
use govern the use of this site. Please read them carefully before accessing the site. If you
do not agree with these
terms do not access the site. By accessing the site or any of its
pages you agree to be bound by these terms.


Product and Services Information


This Site has been established by Peoples Bank for the purpose of conveying information
about Peoples Bank's products and services and to allow communication between Peoples
Bank and its customers. Nothing contained in any page on this Site takes the place of
Peoples Bank agreements that govern our products and services and disclosures made in
accordance with federal and state laws and regulations. If any information on the Site
conflicts with that in Peoples Bank’s agreements and disclosures, such agreements and
disclosures will control.


Subscription Requirements


To subscribe to Peoples Bank’s Internet Banking service ("Internet Banking"), you must
maintain at least one deposit account with Bank, which may include the following types
of accounts: checking account, savings account or money market account (collectively
and individually, “Accounts”). Internet Banking will allow you to access more than one
Account, view Account balance and transaction information, transfer funds among
designated Accounts, send electronic communication to Peoples Bank and receive
electronic communication from Peoples Bank.


Security Procedures


Upon becoming an Internet Banking customer, you will set up a user name, password,
and, answers to a series of questions, which will allow access to information on your
existing Accounts with Peoples Bank. Use of this information
will indicate to Peoples Bank your acceptance of these Terms. Each time you engage in an Internet Banking
Transaction, you will be required to this information. Any person(s) initiating an Internet
Banking Transaction on behalf of a commercial customer by entering the correct
information is deemed as acting with the full authority of the Board of Directors,
members or general partners, as applicable, of the commercial customer. You are
responsible for maintaining the confidentiality of your information
and any breach of confidentiality must be promptly reported Peoples Bank. Peoples Bank reserves the right
to prevent your access to Internet Banking should Peoples Bank have reason to believe
the confidentiality of your information has been compromised.


You acknowledge and agree that by providing any personal or proprietary information
through Internet Banking, you consent to the transmission of such personal or proprietary
information to Peoples Bank, its agents and processors as necessary for secure processing
in accordance with Peoples Bank’s standard business practices.


Customer Responsibilities


You shall be responsible for all Internet Banking Transactions you authorize. You shall
also be responsible for all Internet Banking Transactions initiated by persons to whom
you have given your log on information. You also have responsibilities as governed by
the Electronic Fund Transfer Act (15 U.S.C. 1693, et seq.) as more fully described below.


Bank Responsibilities


Peoples Bank shall be responsible for performing services expressly provided for in these
Terms, and shall not be liable for any error or delay so long as Peoples Bank has acted in
accordance with these Terms and Account agreements. Peoples 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. Peoples Bank shall not be liable if you have not given Peoples Bank complete, correct or
current transfer instructions or if you have not followed proper instructions provided
through the Internet Banking website. Peoples 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
circumstance beyond the control of Peoples Bank.


Computer Equipment and Software


You must have an Internet Service Provider and a web browser to utilize Internet
Banking through the Internet. In an effort to provide the highest degree of confidentiality
and security, Peoples Bank recommends the use of browsers that provide encryption
using a 128-bit key. The higher level of encryption, the more difficult it
is for unauthorized people to read information. Peoples Bank is not liable for losses resulting
from the use of any browser using less than 128-bit data encryption. If you elect to use a
browser that does not use 128-bit encryption, this implies your accep
tance of this risk.

You are solely responsible for the maintenance, installation and operation of your
computer and for the software used in accessing Internet Banking. Peoples Bank shall not
be responsible for any errors, deletions, or failures that occur
as a result of any malfunction of your computer or software, nor shall Peoples Bank be responsible for any
computer virus that affects your computer or the software while using Internet Banking.


Daily Processing Deadlines


Account information displayed through Internet Banking is the current information as of
the previous business day. Funds transfers between Account(s) initiated on your
computer using Internet Banking, and received by Peoples Bank or its agent(s) by 3:00
P.M. CST Monday-Friday will be effective on the current business day. Funds transfers
initiated on you computer and received after 3:00 P.M. CST Monday-Friday or all day
Saturday, Sunday and banking holidays will be effective the following business day.
Transfers are limited to a minimum of
$.01 and a maximum of $99,999.99 per transaction.

Withdrawal Transaction Limitations


The restrictions on the number of withdrawals from your savings and money market
Accounts apply to funds transfers between Accounts.
Fees
The following fees will be appli
cable to Internet Banking:
• Viewing account information- no charge
• Transfers of funds between Accounts - will be subject to any fees applicable to
withdrawals from your Account as stated in your Account's disclosures or Peoples
Bank’s fee schedule, a
s amended from time to time; and
• All other services - fees for any other service made available or requested by you via
this Site, will be as stated in Peoples Bank’s fee schedule, as amended from time to time.


Electronic Fund Transfer Act Disclosure


Some of the terms set forth below are governed by the Electronic Fund Transfer Act
(“EFT Act”), which is only applicable to consumers. Commercial Account holders are
not entitled to the rights provided under the EFT Act. Any consumer Internet Banking
transfers you complete using your TOKEN over this Site are subject to the EFT Act and
this disclosure.
• Reporting Unauthorized Transactions
You must notify Peoples Bank IMMEDIATELY if your
log on information has been lost
or stolen, or if you believe unauthoriz
ed transactions are being made from your
Account(s).
Telephoning is the best way of minimizing possible losses. Contact the bank
at (912) 526-8171
or write Peoples Bank at:
Peoples Bank
113 NE Broad St
Lyons, GA 30436
Failure to notify Peoples 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 within two (2) business days,
the loss sustained by you will be no more than $50 if your
log on information is used without your permission.

If you do not notify Peoples Bank within two (2) business days after learning of the loss
of theft of the log on information, and Peoples Bank can prove that it could have
prevented someone from using the log on information
without your permission had it been notified, you could lose as much as $500.
Periodic Statements
Peoples Bank will mail or deliver to you periodic statements for your Account(s) as
disclosed in your deposit or credit agreements. Peoples Bank will include any transfers
you authorize through Internet Banking on your statements.
You agree to review your periodic statement for accuracy of all data in accordance with
these Terms and any other deposit or credit agreements governing your Account. You
should promptly notify Peoples Bank of any
discrepancies.
• Peoples Bank’s Business Days
Peoples Bank’s business days are Monday - Friday. Federal holidays on which our offices
are closed are not considered business days.
You may access Account information through Internet Banking 24 hours a day, seven
days a week, except for interruptions due to maintenance or matters beyond Peoples
Bank’s control. Peoples Bank does not warrant that Internet Banking will be available at
all times.
• Error Resolution
If your Account statement shows electronic transfers you did not make, or you feel any
statement or receipt is wrong, or you wish to have more information about a transfer
listed on a statement or receipt, contact us in writing or by telephone. Contact the bank at
(912) 526-8171
or write Peoples Bank at:
Peoples Bank
113 NE Broad St
Lyons, GA 30436
We must hear from you within sixty (60) days after we send you the FIRST statement on
which the problem or error appeared. If you fail to notify Peoples Bank within the sixty
(60) day period, you may not recov
er any of the money you lost if we can establish that
the loss could have been avoided had you notified us on time. We may extend these time
periods for good reasons such as out-of-town travel or extended hospital stays.
When you contact us:
• Tell us your name and Account number and security code:
• 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; and
• Tell us the dollar amount and the item reference number of the suspected error.
If you notify us by telephone, we may require that you send us your compliant 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, 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 (3) business days after our investigation is completed. You may ask for
copies of the documents we used in our investigation.


Electronic Mail


Electronic Communication (secure messages) to Peoples Bank may be delayed; therefore,
if you need Peoples Bank to receive information concerning your Account immediately
(e.g., to stop payments, to report a lost or stolen card or to report unauthorized use of
your Account), you must contact Peoples Bank in person or by telephone. Peoples Bank
shall have a reasonable period of time after receipt to act on requests or information you
send by electronic mail.
Account Information
Peoples Bank may disclose information to a third party about your Account or the
transfers only if you have given us permission to do so, or when it is necessary to (1)
complete transfers, (2) verify the existence
or status of your Account to a third party such
as a credit bureau or merchant, or (3) comply with a court order or the request of a
government agency. Please refer to Peoples Bank’s Privacy Policy posted on the Site for
more information on Peoples Bank’s
use of its customer's personal and account
information provided to or held by Peoples Bank.


Links to Other Internet Sites


From time to time Peoples Bank may place links to third party web sites on this Site.
Peoples Bank has no control over any other site
and is not responsible for the content on
any site other than this Site. You should refer to any terms of use, privacy policies and
other notices on such third party sites before using them. You assume all responsibility
when you go to other sites via the
links on this Site and for your dealings with such third
party web sites. You should take precautions when downloading files from third party
sites to protect your computer software and data from viruses and other destructive
programs.


Electronic Signatures and Authentication


Peoples Bank may, in accordance with federal law, adopt or accept commercially
reasonable electronic signatures and/or authentication procedures to verify customer
identity, authenticate customer signature authorization, and confirm that information
electronically received by Peoples Bank has not been altered during transmission. Such
electronic signatures shall consist of symbol(s) or code(s), which may be affixed or
contained in electronic agreements, disclosures, notices, records or
data transmitted by you or Peoples Bank to the other party. Neither Peoples Bank nor you shall disclose to
any unauthorized person the confidential electronic signature of the other party.


Data Recording


You agree that by using Internet Banking to conduct
transactions, the information and transfers will be recorded and/or data captured. By using Peoples Bank’s service you
consent to such recording.


Proprietary Information


The information and materials contained in this Site are owned by Peoples Bank or by
others, as applicable. No material may be copied, displayed, transmitted, distributed,
framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by
law. All contents of this Site are: © 2003 Bank. All rights reserved. Internet Banking
contains copyrighted material, trademarks, service marks, logos, trade dress and other
proprietary content, including but not limited to text, software, sound, photographs,
buttons, images, video and graphics, the entire selection, coordination, arrangement and
“ look and feel” of Internet Banking is copyrighted as a collective work under United
States copyright laws. Neither these Terms nor your use of Internet Banking transfers any
right, title or interest in the Site or content on this Site to you, and Peoples Bank and its
third party licensors retain all of its and their respective right, title and interest to the Site
and its content.


NO WARRANTIES


NEITHER PEOPLES BANK NOR ANY OF ITS AFFILIATES MAKES ANY
WARRANTY OF ANY KIND REGARDING THE PRODUCTS AND SERVICES
ADVERTISED ON OR ACCESSED THROUGH THIS SITE OR ANY LINKED SITE.
PEOPLES BANK WILL USE REASONABLE EFFORTS TO ENSURE THAT ALL
INFORMATION DISPLAYED IS ACCURATE; HOWEVER, PEOPLES BANK
EXPRESSLY DISCLAIMS ANY REPRESENTATION AND WARRANTY, EXPRESS
AND IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY,
AND THE ABILITY TO USE THE SITE WITHOUT CONTRACTING A COMPUTER
VIRUS. PEOPLES BANK IS NOT RESPONSIBLE FOR ANY LOSS, DAMAGE,
EXPENSE, OR PENALTY (EITHER IN TORT, CONTRACT, OR OTHERWISE),
INCLUDING DIRECT, INDIRECT, CONSEQUENTIAL, PUNITIVE AND
INCIDENTAL DAMAGES, LOST PROFITS OR DAMAGES THAT RESULT FROM
INCONVENIENCE, DELAY OR LOSS OF USE, THAT RESULT FROM THE
ACCESS TO OR USE OF THIS SITE. THIS LIMITATION INCLUDES, BUT IS NOT
LIMITED TO, THE OMISSION OF INFORMATION, THE FAILURE OF
EQUIPMENT, THE DELAY OR INABILITY TO RECEIVE OR TRANSMIT
INFORMATION, THE DELAY OR INABILITY TO PRINT INFORMATION, THE
TRANSMISSION OF ANY COMPUTER VIRUS, OR THE TRANSMISSION OF ANY
OTHER MALICIOUS OR DISABLING CODE OR PROCEDURE. THIS
LIMITATION APPLIES EVEN IF PEOPLES BANK OR ANY OF ITS AFFILIATES
HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.
YOU AGREE THAT, EXCEPT AS EXPRESSLY STATED HEREIN, THERE
IS NO WARRANTY OF MERCHANTABILITY, NO WARRANTY OF FITNESS FOR A
PARTICULAR PURPOSE, AND NO WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, REGARDING ANY ASPECT OF INTERNET BANKING.


LIMITED LIABILITY

BY ACCESSING Internet Banking THROUGH THE WORLD WIDE WEB, YOU
AGREE THAT THE NEITHER PEOPLES BANK NOR ANY OF ITS AFFILIATES
SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL,
SPECIAL OR PUNATIVE COSTS, EXPENSES OR DAMAGES (INCLUDING LOST
SAVINGS OR PROFITS, LOST DATA, BUSINESS INTERRUPTION OR
ATTORNEY'S FEES) ARISING OUT OF OR RELATED TO THESE TERMS OF
YOUR USE OF THIS SITE. THE MAXIMUM AGGREGATE LIABILITY OF
PEOPLES BANK- LYONS FOR ALL CLAIMS ARISING OUT OF OR RELATING
TO THIS AGREEMENT, REGARDLESS OF THE FORM OR CAUSE OF ACTION,
SHALL BE ONE HUNDRED US DOLLARS ($100).


Sever ability


If any provision of these Terms are found to be invalid or unenforceable under applicable
law, said provision shall be ineffective to the extent of such invalidity only, without
affecting the remaining provisions of these Terms.


Amendment


These Terms may be amended by Peoples Bank from time to time by posting the new
Terms of Use on the Site. Please review these Terms periodically for any updates and
changes. You agree to be subject to these Terms as changed from time to time. To
the extent required by law, revised information will be made available at any Bank office
and, in many cases, will be mailed or sent via electronic mail to you. You will be required
to abide by these changes in future transactions.


Jury Trail Waiver and Arbitration


You hereby knowingly, voluntarily, intentionally and irrevocably waive the right to a trial
by jury in respect to any litigation based hereon or arising out of these Terms or relating
to the account as permitted under applicable law.
You agree that any dispute arising out of or relating in any way to your use of this Site or
Internet Banking requires that such claim be resolved exclusively by confidential binding
arbitration except that, to the extent you have in any manner violated or threatened
to violate Bank's intellectual property rights, Bank may seek injunctive or other appropriate
relief. The arbitration shall be conducted before three neutral arbitrators in the city of
Nashville, Georgia, in accordance with the rules of the American Arbit
ration Association ("AAA"), as then in effect. No claims of any other parties may be joined or otherwise
combined in the arbitration proceeding. Unless otherwise expressly required by
applicable law, each party shall bear its own attorneys' fees without re
gard to which party is deemed the prevailing party in the arbitration proceeding. Except for punitive and
consequential damages (which may not be awarded), and subject to these Terms, the
arbitrators shall be authorized to award either party any provisiona
l or equitable remedy permitted by applicable law. The parties shall equally share all AAA charges and fees
associated with the arbitration.
BECAUSE THE USE OF THIS SITE REQUIRES THE ARBITRATION OF ANY
CLAIMS OR DISPUTES EXISTING BETWEEN THE PARTIES, NEITHER PARTY
WILL HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR BEFORE A
JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER
COLLECTIVE OR REPRESENTATIVE PROCEEDING. THE ARBITRATORS'
DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT EITHER
PARTY WOULD HAVE IF SUCH PARTY WENT TO COURT, INCLUDING
WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO
APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION.
The award of the arbitrators may be enforced in any court having jurisdiction thereof.
Each party hereby consents (a) to the non-exclusive jurisdiction of the courts of the State
of Georgia or to any Federal Court located within the State of Georgia for any action (i)
to compel arbitration, (ii) to enforce any award of the arbitrators, or (iii) at
any time prior to the qualification and appointment of the arbitrators, for temporary, interim or
provisional equitable remedies, and (b) to service of process in any such action by
registered mail or any other means provided by law. Should this Section be deemed
invalid or otherwise unenforceable for any reason, it shall be severed. In such event, the
parties to these Terms agree that exclusive jurisdiction and venue for any claims will be
in state or federal courts in Nashville, Georgia, and each party hereby waives any defense
related to personal jurisdiction, process or venue.


Indemnity


You agree to indemnify, defend and hold Peoples Bank, its affiliates, shareholders,
directors, officers, co-branders, subsidiaries, parents, employees and agents, harmless
from any claim, demand, liability, dispute, damage, cost, expense, or loss, including
attorneys' fees and costs of litigation, arising out of, or in any way related to your use of
or access to this Site, your use of Internet Banking, including any use by your employees,
your violation of these Terms or your violation of any rights of a third party.


Bank Waiver


The Bank may waive any term or provision of these Terms at any time or from time to
time, but any such wavier shall not constitute a waiver of the term or provision in the
future.


Assignment


Peoples Bank may assign the rights and delegate the duties under these Terms to any
present or future, directly or indirectly, affiliated company or to any third parties.


Termination


Either party may terminate these Terms by giving sufficient notice to the other party. Any
transaction you have initiated prior to receipt of notice of termination by Peoples Bank
will continue to be made until Peoples Bank has had a reasonable opportunity to act upon
the notice of termination. If Peoples Bank terminates your access to Internet Banking,
Peoples Bank reserves the right to immediately stop making transfers from your
Account(s), including those you previously authorized.


Applicable Law


These Terms are subject to the provisions of all applicable operating circulars of the
Federal Reserve System and any other applicable provisions of Federal law. Except as so
provided, these Terms and the use of this Site are governed by and interpreted in
accordance with the laws of the state of Georgia. These Terms shall be binding upon and
inure to the benefit of the parties hereto and there respective legal representatives,
successors and assigns.