The Bank transmits data using SSL (Secure Socket Layer) technology that supports 128-bit key encryption. It is important to verify that a secure connection between your browser and the Online Banking server has been established before transmitting any confidential account information over the Internet. An indicator on your web browser can verify this. Microsoft Edge has a lock symbol that appears when data is being encrypted. When this symbol does not appear, a session is not secure.

FNB Alerts allows you to receive electronic notifications about certain activity in your deposit or loan accounts. You may sign up for the Messenger Service through our Online Banking Services. However, you are not required to do so. You may elect to receive messages related to your checking, savings, certificate of deposit, loan, or line of credit accounts. If you do sign up for the Messenger Service, you acknowledge that the email messages you receive will not be encrypted and that they may include confidential information pertaining to your account. Messages are not intended to replace your account statements or any other communication we may provide you regarding your account(s). You understand and agree that receipt of each message may be delayed or prevented by factors affecting your Internet service provider(s), phone operator(s), and such other entities.

Sending email is a very good way to communicate with the Bank regarding your accounts or the Online Banking Services. However, your e-mail is actually sent via your own software and, as a result, is not necessarily secure. Because of this, you should avoid including confidential information, such as account numbers and balances, in any e-mail to the Bank. You cannot use e-mail to initiate Online Banking Service transactions. All such transactions must be initiated using the appropriate functions within the Online Banking site. The Bank will not be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.

Information that the Bank publishes on the World Wide Web may contain links to other sites, and third parties may establish links to the Bank's site. The Bank makes no representations about any other website that you may access to, from, or through this site. Unless expressly stated in writing, the Bank does not endorse the products or services offered by any company or person linked to this site, nor is the Bank responsible for any software or the content of any information published on the site of any third party. You should take precautions when downloading files from sites to protect your computer software and data from viruses and other destructive programs.

The Bank is not responsible for any electronic virus that you may encounter using the Online Banking Service. We encourage you to routinely scan your computer and backup media using a reliable virus protection product to detect and remove viruses. If undetected and unrepaired, a virus can corrupt and destroy your programs, files, and hardware.

You can usually access Online Banking Services seven (7) days a week, twenty-four (24) hours a day. However, at certain times, some or all of the Online Banking Services may not be available due to system maintenance or reasons beyond the Bank's control. The Bank does not warrant that Online Banking Services will be available at all times.

Neither the Bank nor its suppliers will be liable for any transaction if: (i) you do not have enough money in your account to complete the transaction; (ii) a legal order prohibits withdrawals from your account; (iii) your account is closed or has been frozen; (iv) the transaction would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts; (v) you, or anyone you allow, commits fraud or violates any law or regulation in connection with Online Banking Services; (vi) any electronic terminal, telecommunication device, or part of the electronic fund transfer system is not working properly; (vii) you did not provide us with complete and correct payment or transfer information; (viii) you did not properly follow the instructions for use of Online Banking Services; (ix) you knew that Online Banking Services were not operating properly at the time you initiated the transaction or payment; or (x) circumstances beyond our control (such as fire, flood, or improper transmission or handling by a third party) prevent, hinder, or delay the transaction.

You may not appropriate any information or material that violates any copyright, trademark, or other proprietary or intellectual property rights of any person or entity while using the Online Banking Services. You may not gain, or attempt to gain, access to any Online Banking Service server, network, or data not specifically permitted to you by the Bank or its suppliers, and you must not include any obscene, libelous, scandalous, or defamatory content in any communications with the Bank or its suppliers.

The Bank is entitled to act upon instructions received through any Online Banking Service under your PASSWORD and without inquiring into the identity of the person using that PASSWORD. However, you agree that you will not, under any circumstances, disclose your PASSWORD by telephone or any other means to any person. You acknowledge that no person from the Bank will ever ask for your PASSWORD, that Bank employees do not need and should not ask for your PASSWORD. You agree never to provide your PASSWORD to anyone, including anyone claiming to represent the Bank. You are liable for all transactions made or authorized using your PASSWORD. The Bank has no responsibility for establishing the identity of any person or determining the validity of any transaction.

You agree that if you give your PASSWORD to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your PASSWORD will have access to your accounts. You agree to notify the Bank immediately in the event your PASSWORD is lost or stolen or is otherwise compromised. At any time, you may ask the Bank to disable your PASSWORD. For joint accounts, each person must have a separate PASSWORD. Each person on a joint account will be liable for all transactions that are made on that account. Each person on a joint account authorizes all transactions made by any other person on the account. Each person on a joint account agrees to be liable for the actions of the other person(s) on the account.

You hereby indemnify and release the Bank from any and all liability and agree not to make any claim against the Bank or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account or when you have provided your PASSWORD to that person. You agree to reimburse the Bank for any losses it suffers or any damages, injuries, costs, or expenses it incurs (including attorney's fees) as a result of the Bank's honoring or allowing transactions on the account where the PASSWORD was used.

To the fullest extent permitted by applicable law, you agree that we will have no liability whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of the Bank's Online Banking Service in accordance with the terms of this Agreement, including, but not limited to, that resulting from our negligence. Our duties and responsibilities to you are strictly limited to those described in this Agreement, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement. In no event will the Bank be liable for any consequential, special, or punitive damages or for any indirect loss that you may incur or suffer in connection with the service (even if the Bank has been informed of the possibility of such damages), including, without limitation, attorney's fees. The Service Provider is an independent contractor and not the Bank's agent. The Bank's sole duty shall be to exercise reasonable care in the initial selection of the Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE BY THE BANK WITH RESPECT TO ANY FIRST NATIONAL BANK'S ONLINE BANKING SERVICE, AND THE BANK HEREBY DISCLAIMS ALL SUCH WARRANTIES.

To the fullest extent permitted by applicable law, and without limiting the generality of the foregoing, the Bank shall not be liable at any time to you or any other person for any loss, charge, fee, penalty, expense, or other damage resulting from any failure or delay of the performance of the Bank's responsibilities under this Agreement which is caused or occasioned by any act or thing beyond the Bank's reasonable control, including, without limitation, legal restraint, interruption of transmission or communication facilities, equipment failure, electrical or computer failure, war, emergency conditions, acts of God, fire, storm, or other catastrophe, or inability to obtain or delay in obtaining wire services or Internet access, or refusal or delay by the Service Provider or another bank or financial institution to execute any bank transfer or bill payment. In addition, the Bank shall be excused from any failure or delay in executing a bank transfer or bill payment if such execution would result in the violation of any applicable state or federal law, rule, regulation, or guideline. To the fullest extent permitted by applicable law, you agree that the Bank shall not have any liability whatsoever for any loss caused by the act, error, or omission of you or any other person, including, without limitation, the Service Provider, any Internet access service provider, any Federal Reserve Bank or transmission or communications facility, or any intermediary or receiving financial institution, and no such person shall be deemed the Bank's agent.

The Deposit Account statement provided to you by us will notify you of (a) the execution of bank transfers or bill payments and the debits to the Deposit Account made with respect to such bank transfers and bill payments, and (b) amounts debited by the Bank from the Billing Account or any other account for payment of the services or other charges pursuant to this Agreement. You agree that we will not be required to provide any other notice to you of the execution of bank transfers, bill payments, or debits.

We agree to correct any error made in crediting or debiting any account by making the appropriate adjustment to your account balance. You agree to repay promptly any amount credited to your account in error, and you authorize us to initiate a debit transfer to any account to obtain payment of any erroneous credit. You agree not to use this service to conduct any business or activity or solicit the performance of any activity prohibited by law or contractual provisions by which you are bound. You agree to comply with all applicable laws, rules, and regulations in connection with this service. You certify that you are 18 years of age or older or otherwise able to lawfully enter into contracts under applicable law.

If any provision of this agreement is held to be void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in any other jurisdiction or any other provision of this agreement.

You may not assign this agreement to any other party. The Bank may assign this agreement or delegate or transfer any or all of our rights and responsibilities under the agreement to any third party or parties.

The Bank has the right to modify or terminate this Agreement or the Deposit Account Terms and Conditions at any time. When making changes, the Bank will comply with all legal notice requirements. Once this Agreement is terminated, the Bank will not allow any additional transactions on the account, nor will additional Online Banking Services be permitted. If this Agreement is modified, your continued use of the Account will represent your acceptance of the changes.