Electronic Funds Transfer Policy Your Rights and Responsibility

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Funds Transfers Initiated By Third Parties.

You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfer include, but are not limited to:

• Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking and savings.
• Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking and savings.
• Electronic check conversion - You may authorize merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay, purchase or pay bills.
• Electronic returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

FON FUNB transactions

Types of Transactions - You may access your account by telephone using your account number(s) and personal identification number (PIN) to:

• Transfer funds from checking to checking or savings account
• Transfer funds from checking, savings to savings, checking
• Make payments from checking, savings to loan accounts
• Get balance information about checking, savings, certificate of deposit, line of credit or loan accounts
• Get withdrawal history about checking, savings, certificate of deposit, line of credit or loan accounts
• Get deposit history about checking, savings, certificate of deposit, line of credit or loan accounts
• Get transaction history about checking, savings, certificate of deposit, line of credit or loan accounts

You may access your account for telephone transactions at the following number and during the following hours: (866)366-3862 (24 hours a day, 7 days a week)

ATM Card transactions

Types of Transactions - You may access your account(s) by ATM using your ATM Card and personal identification number (PIN) to:

• Deposit funds to checking or savings
• Withdraw cash from checking or savings
• Transfer funds from checking, savings to savings, checking
• Get balance information about checking or savings
• Please contact a bank representative for a listing of those ATMs owned by First United National Bank.

Some of these services may not be available at all terminals.

Mastercard® Debit Card ATM Transactions

Types of Transactions - You may access your account(s) by ATM using your Mastercard® Debit Card and personal identification number (PIN) (as applicable) to:

• Deposit funds to checking or savings
• Withdraw cash from checking or savings
• Transfer funds from checking, savings to savings, checking
• Get balance information about checking or savings

Some of these services may not be available at all terminals.

Mastercard® Debit Card point-of-sale transactions

Types of Transactions - You may access your checking account(s) using your Mastercard® Debit Card to do transactions that participating merchants will accept, including:

• Purchase goods in person, by phone, or online
• Pay for services in person, by phone, or online
• Get cash from a participating merchant or financial institution

Foreign Currency Conversion and Cross-Border Transactions

If you effect a transaction with your Card in a currency other than US Dollars, Mastercard® will convert the charge into a US Dollar amount. The Mastercard® currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard®. The exchange rate Mastercard® uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. Mastercard® charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard® charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. The fee we charge you for cross-border transactions/currency conversions is disclosed separately. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard® Debit Switch in which the country of the merchant is different than the country of the cardholder.

Internet Banking

Types of Transfers - You may access your accounts by computer at www.fun-bank.com and using your User ID and Password to:

• Transfer funds from checking, statement savings to statement savings
• Make payments from checking to loan accounts (regular payments only)
• Get balance information about checking, savings, certificate of deposit or IRA's and loan accounts
• Get withdrawal history about checking, savings, certificate of deposit or IRA's and loan accounts
• Get deposit history about checking, savings, certificate of deposit or IRA's and loan accounts
• Get transaction history about checking, savings, certificates of deposit or IRA's and Loans

Internet Bill Paying

Types of Transfers - You may access this service by computer at www.fun-bank.com and using your User ID and Password.

You may access this service to :

• Make payments from your checking account(s) to third parties
• ACTIVATION LIMITATIONS:
  • You must have a checking account in good standing.
  • You must be a legal owner of the Payment Account registered for Bill Payment Service.
  • You must be at least eighteen (18) years of age to enroll in this service.
  • You must be a resident of the United States.
  • You must use the service for individual purposes only, not on behalf of any business, corporation, proprietorship or other entity.
  • You must have a valid e-mail address and access to the Internet.

Limits and fees

Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers.

ATM Operator/Network Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Limitations on frequency of transfers

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Statement Savings or Money Market account(s):

• During any calendar month, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, or by check, draft, debit card or similar order to a third party. However, the number of transfers between these types of accounts you maintain with us initiated at ATM's do not count toward the monthly limit stated above and are unlimited in their frequency. If you exceed the transfer limitations set forth above in any month, your account will be subject to closure by First United National Bank.

Documentation

Terminal transfers

You can get a receipt at the time you make any transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.

Periodic statements

You will get a monthly account statement from us for your checking account(s). You will get a monthly statement from us for your statement savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement quarterly.

Preauthorized Payments

Right to stop payment and procedure for doing so

If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of varying amounts

If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).

Liability for failure to stop payment of preauthorized transfer

If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Financial Institution's Liability

Liability for failure to make transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer
2. If you have an overdraft line and the transfer would go over the credit limit
3. If the automated teller machine where you are making the transfer does not have enough cash
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
6. There may be other exceptions stated in our agreement with you

Confidentiality

We will disclose information to third parties about your account or the transfer you make:

1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. As described in our privacy policy disclosure, provided separately.

Unauthorized Transfers

A. Consumer Liability

1. Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.
   • If you do NOT tell us within two business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
   • Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
   • If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.
2. Additional Limits on Liability for Mastercard® debit card. You will not be liable for any unauthorized transactions using your Mastercard® debit card if:
   • You can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and
   • Upon becoming aware of a loss or theft, you promptly report the loss or theft to us. (Mastercard® is a registered trademark of Mastercard® International Incorporated.)

B. Contact in event of unauthorized transfer.

• If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your check without your permission.

Error Resolution Notice

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, 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 sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any)
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 (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 (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 us 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 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened.

We will tell you the results within 3 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.

If you have inquiries regarding your account, please contact us at:

First United National Bank
Attention: Operations Officer
19535 Route 208
P.O. Box 7
Fryburg, PA 16326

BUSINESS DAYS: Monday, Tuesday, Wednesday, Thursday, and Friday
Holidays are not included.
PHONE: (814)354-7311

Other Information

Electronic payments are not permitted to or from Christmas Club accounts.

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST.