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  Agreement and Disclosures

Internet Banking Terms and Conditions Agreement

This Agreement describes your rights and obligations as a user of the On-line Banking Service and all other services made available online by The Home Loan Savings Bank, including without limitation the Bill Pay Service ("Service" or "Services. It also describes the rights and obligations of The Home Loan Savings Bank ("Home Loan"). Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this Agreement, and those provided to you at account opening, in order to use this Service. If you do not agree to these terms, do not complete your registration for the Services or use the Services.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By selecting the "I Accept" button below and by affirmatively registering for the Service, you accept and provide your electronic signature to this Agreement and you further (1) agree that any contract you enter into with Home Loan for the provision of On-line Banking Services may be in electronic form, and (2) agree to transact with Home Loan electronically including, without limitation, receive all communications, including notices, agreements, amendments, legally required disclosures or other information in connection with the Services electronically from Home Loan (collectively, "Notices"). You agree that Home Loan generally can send you electronic Notices by (i) electronic mail to the e-mail address to provide to Home Loan and/or (ii) by "pop-up notice" on the Service and/or (iii) by posting the Notices on a main page or channel page of the relevant Service. You agree that certain supplemental or enhanced services made available online by Home Loan may also have their own specific terms and Notice procedures.

You are also acknowledging receipt of the following information and agree that:

* You will check your e-mail regularly from Notices for Home Loan.

* You are providing accurate, current and truthful registration and contact information (including your e-mail address) and that you will keep this contact information up-to-date with Home Loan.

* We may provide you revisions and amendments to this Agreement and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with or related to the Services, electronically as a part of the Agreement or otherwise as a part of the Services. While you may print and retain a copy of this Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.

* All registrations, agreements, and terms will be completed electronically and will be deemed for all legal purposes to be in writing and legally enforceable as a signed writing.

* You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services and your access to the Services.

* If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address or email address, you may call Home Loan at 740-622-0444, or write a letter and send it to:

The Home Loan Savings Bank
Attention: Operations
413 Main Street
Coshocton, OH 43812

* You must have a personal computer with a modem connected to a communications source (telephone, wireless or broadband), a Windows-based operating system with an Internet browser, such as Microsoft Internet Explorer Version 5.5 or higher or Netscape Communicator, Version 6.0 or higher and an e-mail software program capable of sending and receiving e-mail to and from Home Loan. Your computer must be capable of receiving, accessing, displaying, and either printing or storing, the information received in electronic form from Home Loan via a plain text-formatted e-mail or by access to Home Loan's web site using one of the browsers specified above. Home Loan will notify you if there are any significant technical changes that may affect your ability to transact with Home Loan electronically.
You can receive an electronic copy and a printable version of this Agreement upon request at www.homeloansavingsbank.com/contactus.asp.

DEFINITIONS

The following definitions apply in this Agreement.

"On-line Banking" is the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement

"On-line Account" is a Home Loan account from which you will be conducting transactions using a Service.

"Business Day" refers to Monday through Friday, excluding holidays as determined by Home Loan. All On-line transaction requests received after 7:00 p.m. EST, or on a non-Business Day, will be processed immediately, but will not appear in the online history until the following Business Day.

"Password" is a series of numbers and/or letters that you select after the initial sign-on that establishes your connection to the Service. Home Loan will provide you with a code for use during the initial sign-on process.

"Time of day" references are to Eastern Standard Time.

"We," "us" "our" or "Home Loan" refer to The Home Loan Savings Bank, which offers the Services provided under this Agreement and holds the accounts accessed by the Services.

ACCESS TO SERVICES

Home Loan will provide on-line instructions describing how to use the On-line Banking Service, the Bill Payment Service and all other Services made available on-line by Home Loan. To gain access to these Services you will need your User-ID and your Password.

USE OF YOUR PASSWORD

The safety of our customers' accounts and account information is of paramount importance to us. We have established safeguards to help prevent unauthorized access of misuse of your account information; however, it is your responsibility not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your Home Loan User-ID, up to the limits allowed by applicable law. While Home Loan continues to provide our customers with the level of on-line security we believe necessary and appropriate, customers who share their User-IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No Home Loan representative will ever call or e-mail and ask for your User-ID or Password; however, if you contact Home Loan you may be asked for your User-ID and other personal information to verify your identity.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN

If your Password has been lost or stolen, call Home Loan immediately at 740-622-0444, between 8 a.m. and 5 p.m. Monday through Friday and between 8 a.m. and 12 p.m. on Saturday. Telephoning Home Loan is the best way of minimizing your losses. You should also immediately change your Password, which can be done on-line. If you believe your Password has been lost or stolen and you notify us within two Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two Business Days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.

BANKING TRANSACTIONS WITH ON-LINE BANKING

In addition to viewing account information, you may use On-line Banking to conduct the following transactions:

* Transfer funds among your linked checking, statement savings, money market, loan and line of credit accounts.

NOTE: Because regulations require Home Loan to limit pre-authorized transfers (including On-line Banking transfers), the following limitations apply:

* Statement Savings Account-- You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer, or by telephone or On-line Banking.

* Money Market Savings Account-- You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by telephone or On-line Banking, and no more than three (3) of these may be by check, draft or similar order.

*Passbook Savings Account - You may view balances, however, you may not transfer funds to or from a passbook savings account.

New services may be introduced for On-line Banking from time to time. Home Loan will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the terms and conditions in this Agreement and all other rules that may be made available to you concerning these services.

STATEMENTS

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

IF YOUR STATEMENT SHOWS TRANSFERS THAT YOU DID NOT MAKE

If your statement shows transfers that you did not make, notify Home Loan immediately at 740-622-0444, or write a letter and send it to:

The Home Loan Savings Bank
Attention: Operations
413 Main Street
Coshocton, OH 43812

If you do not notify Home Loan within sixty (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if Home Loan had been notified in time.

ERRORS AND QUESTIONS

In case of errors or questions regarding On-line Banking, you may call Home Loan at 740-622-0444, or write a letter and send it to:

The Home Loan Savings Bank
Attention: Operations
413 Main Street
Coshocton, OH 43812

We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the first statement on which the problem or error appeared. We will need:

* Your name and account number
* A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information.
* The dollar amount of the suspected error
* The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation; however, if we determine that no error occurred we will debit from your account the amount previously credited. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

If we determine that no error occurred, we will send you a written notice within three (3) Business Days. You may request copies of the documents that were used in the investigation. If, pending our investigation, we have credited your account with the amount you think is in error and we determine that no error occurred, we will debit from your account the amount previously credited.

You agree that Home Loan may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Home Loan shall be considered received within three (3) Business Days of the date sent by Home Loan, regardless of whether or not you sign on to the Service within that time frame.

LIMIT OF HOME LOAN'S RESPONSIBILITY

Home Loan offers the Services in a commercially reasonable manner. Home Loan will be responsible for acting only on those instructions sent through On-line Banking which are actually received. Home Loan will not assume responsibility for circumstances over which the bank has no direct control. This includes but not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. Home Loan does not guarantee that customers will be able to access or use the Services (either directly or through third party networks) at times or locations of the customer's choosing and that access may be unavailable from time to time because of scheduled downtime, reasonable needs for maintenance and reasonable periods of failure of equipment. Home Loan is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Home Loan provides the information on the Service for your convenience only on a commercially reasonable basis; however, HOME LOAN SPECIFICALLY DISCLAIMS ANY WARRANTIES ON THE CORRECTNESS, ACCURACYAND RELIABILITY on the information you receive from Home Loan. Home Loan is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Home Loan is not responsible for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software and communications services necessary for performing On-line Banking. Home Loan will not be responsible for any errors or failures from the malfunction or failure of your hardware, software, communications services or Internet access services. You are responsible for any telephone charges that you may incur by accessing the Internet and/or the Services, including any surcharges that you may incur by accessing the Services through a third-party network, such as a cable or wireless carrier. Your carrier may charge service fees for text messaging (including sending/receiving instant messages and e-mail), web browsing and other services that require the use of airtime and wireless data services. Check with your carrier to verify the fees that may apply to you.

EXCEPT AS OTHERWISE PROVIDED ABOVE, HOME LOAN DISCLAIMS IMPLIED WARRANTIES THAT THE SERVICES ARE MERCHANTABLE, OF SATISFACTORY QUALITY, ACCURATE, FIT FOR A PARTICULAR PURPOSE OR NEED, OR NON-INFRINGING. HOME LOAN DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT YOU WILL BE ABLE TO ACCESS OR USE THE SERVICES (EITHER DIRECTLY OR THROUGH THIRD-PARTY NETWORKS) AT TIMES OR LOCATIONS OF YOUR CHOOSING, OR THAT HOME LOAN WILL HAVE ADEQUATE CAPACITY FOR THE SERVICES AS A WHOLE OR AT ANY PARTICULAR TIME.[ABD1]

The limit of Home Loan's liability shall be as expressly set forth herein. UNDER NO CIRCUMSTANCES WILL HOME LOAN BE LIABLE IN CONTRACT, TORT, OR OTHERWISE FOR ANY SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES WHETHER OR NOT FORESEEABLE. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

HOME LOAN'S RESPONSIBILITY

We will be responsible for your actual losses if they were directly caused by our failure to:

* Complete an Electronic Funds Transfer as properly requested
* Cancel an Electronic Funds Transfer as properly requested.

However, we will not be responsible for your losses if:

* Through no fault of Home Loan, you do not have enough money in your account to make the transfer
* Through no fault of Home Loan, the transaction would have caused you to exceed your available credit
* Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
* There is a hold on your account, or if access to your account is blocked in accordance with banking policy
* Your funds are subject to legal process or other encumbrance restricting the transfer
* Your transfer authorization terminates by operation of law
* You believe someone has accessed your accounts without your permission and you fail to notify Home Loan immediately
* You have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the payee refuses the Service.
* For the failure of any payee to correctly account for or credit the payment in a timely manner
* We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
* For changes to the payee's address or account number (unless you have advised us of the change within three (3) Business Days in advance)
* We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

ELECTRONIC MAIL (E-MAIL)

If you send Home Loan an electronic mail message through the Service, Home Loan will be deemed to have received it on the following Business Day. E-mails will be answered within a reasonable timeframe.

You should not rely on electronic mail if you need to communicate with Home Loan immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Home Loan may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Home Loan shall be considered received within three (3) days of the date sent, regardless of whether or not you sign on to the Service within that time frame.

OTHER AGREEMENTS

In addition to this Agreement, you and Home Loan each agree to be bound by and comply with the requirements of the agreements applicable to each of your On-line Accounts. Your use of the On-line Banking Service, the Bill Payment Service or any other services made available on-line by Home Loan is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Home Loan, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We reserve the right to automatically deduct any fees related to the Services from your Bill Pay Account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Depositor's Agreement and Terms and Conditions apply to this Service. These agreements supersede all representations, warranties, agreements, understandings and other communications regarding your use of the Services. Only Home Loan can amend this Agreement, and may do so by posting any amendments on the Home Loan web site subject to providing you with prior notice of the changes. If any term of this Agreement is found by a court of competent jurisdiction to be invalid, illegal or unenforceable, the term shall be considered to be stricken from this Agreement as if it had not been included from the beginning and the remainder of this Agreement will be enforced according to its terms.

MODIFICATIONS TO THIS AGREEMENT

We may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records or by electronic delivery, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right, in our sole discretion, to terminate this Agreement and your use of the Services in whole or in part at any time, with or without cause, without prior notice.

DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY

A copy of The Home Loan Savings Bank's Consumer Privacy Statement is available upon request at any of our branches, on our website, or can be mailed to you upon request by calling us at 740-622-0444, or writing a letter and sending it to:

The Home Loan Savings Bank
Attention: Operations
413 Main Street
Coshocton, OH 43812

You can also access our Privacy Policy online by clicking on the Privacy Policy icon on the Home Loan Website (http://www.homeloansavingsbank.com) . By your affirmative act of either registering for the Services as a new member, or registering for a new Service, or continuing to use the Services following your registration, you authorize the collection, use, and disclosure of personal information by Home Loan as provided for under the then-current Home Loan Savings Bank's Consumer Privacy Statement.

INACTIVITY / TERMINATION

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your On-line Banking privileges under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

We may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 90 day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the On-line Banking Service, you must notify Home Loan in writing. Your notification should include your name, address and the effective date to stop the service(s). When Bill Payment is terminated, any pre-scheduled bill payments made through On-line Banking will also be terminated. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. These written requests should be mailed to:

The Home Loan Savings Bank
Attention: Operations
413 Main Street
Coshocton, OH 43812

GOVERNING LAW

This Agreement is governed by the laws of the State of Ohio and applicable federal law(s).

FEE SCHEDULE

Home Loan offers the benefits and convenience of the On-line Banking service to you at no monthly charge. Account research and stop payment charges will be assessed at the rates published in Home Loan's Miscellaneous Schedule Fees Brochure and deducted from your Bill Pay Account or another account you hold at Home Loan.

These fees are subject to change. We will notify you in writing regarding any fee changes at least thirty (30) days in advance of the effective date of these changes.

Last Revised: July 17, 2003


[ABD1]Home loan should disclaim any liability if the user is unable to perform online banking because of problems with the User's internet service or the Internet in general.
[ABD2]Home loan should disclaim any liability if the user is unable to perform online banking because of problems with the User's internet service or the Internet in general.