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For Peoples Bank and Trust a/k/a PB&T Hometown Banking @ HomeSM I. Introduction This Internet Banking Access Agreement for accessing your personal accounts via PB&T Hometown Banking @ Home explains the terms and conditions which govern Account Inquiries & Account Transfers. By using the online financial services provided by PB&T, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Georgia. The term “business day” refers to every day except Saturday, Sunday and Federal Banking Holidays. II. Accessing Your Accounts In order to activate your Internet Banking Service (Hometown Banking @ Home), you must have at least one account with PB&T. As a customer of PB&T, you may access your accounts by selecting and using an online password (PIN). You should keep your PIN in a secure location. Any person having access to your PB&T PIN will be able to access the Internet Banking Services and perform all transactions, including reviewing account information and making transfers to other accounts which have mutual ownership. You will be issued a password that will allow you to log on to Hometown Banking @ Home. The first time you log into the online system, you will be required to change the assigned password and choose a Alpha or Numeric password known only to you. The password must be at least six (6) digits and no more than twelve (12) digits. The password can be changed through Hometown Banking @ Home by the user at any time, and occasional password changes are recommended. If you suspect that an unauthorized person has access to your password, please use one of the following methods to contact us immediately at 770-932-1900 or e-mail at helpdesk@peoplesbanktrust.net or fax us at 770-614-7794. There are no monthly fees for viewing these accounts or for transferring funds between accounts. III. Terms and Conditions The first time you access any of your accounts through Hometown Banking @ Home, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure. IV. Fees and Charges Hometown Banking @ Home reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service, contact PB&T at 770-932-1900. If you do not access your accounts via Hometown Banking @ home for any three month period, PB&T reserves the right to disconnect your service. You agree to be responsible for any telephone charges which you incur by accessing your accounts via Hometown Banking @ Home. If you wish to cancel any of your Hometown Banking @ Home services, please contact PB&T at 770-932-1900 or send us cancellation instructions in writing to PB&T,1809 Red Cruce Court, Buford, GA 30518 or e-mail us at helpdesk@peoplesbanktrust.net. V. Hours of Accessibility You may access Hometown Banking @ Home seven days a week, 24 hours per day. Necessary system maintenance will be scheduled for hours during which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system (Telebanc), one of our ATM machines, or a branch office to conduct your transactions. VI. Balance Information – You may access any eligible PB&T bank account on which you are an owner to receive transaction history and balance information.
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