First Time User

The Bank of River Oaks Internet Banking Agreement & Disclosure

Please read this disclosure carefully before following the link at the bottom of the page.

Introduction

This Internet Banking Agreement and Disclosure governs your use of Internet Banking. Throughout this web site the Agreement and Disclosure will be referred as “Agreement”. By using Internet Banking, you agree to all terms of this Agreement. Please, read it carefully and keep a copy for your records.

Fees

Internet Account Access No Charge

Internet IPay bill pay service No Charge

Definitions

You or Your – The person(s) subscribing to or using Internet Banking.

We, Us or Our – Refers to The Bank of River Oaks and any agent, independent contractor, designee, or assignee The Bank of River Oaks may involve in the provision of Internet Banking.

Business Day – Any calendar day other than Saturday, Sunday, or any holidays recognized by The Bank of River Oaks.

Virus Protection

The Bank of River Oaks is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

About Internet Banking

The Internet Banking system that is accessible by The Bank of River Oaks’ customers over the Internet currently consists of:

• Account Inquiries
• Secure Applications
• View Detailed Transactions
• View Images of Checks – Full Statements
• Downloads
• View Pending ACH Debits and Credits

Additional components of an Internet Banking sites involves in-bank transfers and bill payments. The different features of these components are:

• Account Transfers
• One-time Electronic Payments
• Fixed Recurring Payments
• Variable Recurring Payments

Log On and Security

In order to ensure the security of your accounts, we will end your online session if we have detected no activity for five (5) minutes. This is to protect you in case you accidentally leave your computer unattended while you are logged on. When you return to your computer, simply re-enter your passcode and your session will continue where you left off.

Because your passcode is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a passcode that is hard to guess. (We suggest that you stay away from names, dates and information that may easily be guessed.) Keep your passcode safe. Memorize your passcode and never tell it to anyone. Change your passcode frequently. This can be done at the beginning of each Internet session. Three (3) invalid passcode attempts will lock your online banking account and you will need to contact The Bank of River Oaks to have this reset.

Balance Inquiries and Transfers

You may use Internet Banking to check the balance of your accounts and to transfer funds among your accounts. According to Federal regulations, you may not make more than six (6) pre-authorized or automatic transfers from your Money Market Account during a given monthly statement period. There are no limits to the number of transfers from your Checking Accounts.

Shown balances of accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact The Bank of River Oaks.

Bill Pay Service

There is no service charge for Bill Pay service through IPay.

Notice of Your Rights and Liabilities

Notify us immediately if your passcode has been lost or stolen. Failure to notify us immediately could result in the loss of all money accessible by the passcode.

If your statement shows unauthorized transfers, notify us within 30 days after the statement is mailed to you, after 30 days lost funds might not be recovered.

Errors and Questions

In cases of errors or questions concerning transactions completed through Internet Banking, please contact us:

By telephone (713) 520-6257

By mail P O Box 131002

Houston, TX 77027

We will tell you the results of our investigation within ten (10) business days after notification. If we need more time we may take up to 45 business days to investigate. If we choose to take up to 45 business days, we will give you a provisional credit to your account with ten (10) business days. If we decide there was no error, we will furnish you with a written explanation within three (3) days after the investigation is complete.

No Signature Requirements

When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.

Termination

You may terminate the use of Internet Banking by contacting The Bank of River Oaks in writing by mail, e-mail, or personal delivery. If your account is closed or restricted for any reason, Internet Banking accessibility will automatically terminate.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas.

Assignment

This agreement may not be assigned to any other party by you. We may assign or delegate, in part or whole, to any third party.

Amendments

Terms and conditions of this agreement may be amended in whole or part at any time with 30 days written notification prior to the change taking effect. If you do not agree with the change(s), you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.

Entire Agreement

This Agreement supplements any other agreements or disclosures related to your account(s) including the Deposit Agreement and Disclosures. If there is a conflict between this Agreement and any others, or any statements made by employees or agents, this agreement shall supersede.