LPO - 7 Easterwood Street, Suite J Millville, NJ 08332

Harvest Internet Banking Terms and Conditions of Use

By using this site, you are indicating your acceptance of our Terms and Conditions of Use.

ACCOUNT ELIGIBILITY

In order to activate your Internet Banking Services, you must have at least one eligible account with us.  Eligible Accounts include the following:

• Checking Account
• Savings Account
• Certificate of Deposit
• IRA Account
• Club Account
• Loan Account

By enrolling in Internet Banking, you will be given access to all eligible bank accounts of which you are an owner, unless the account you wish to access requires two or more signatures.  Accounts requiring more than one signature are not eligible for transfers of money between accounts through Internet Banking.

You will choose your own User ID and Password as part of the enrollment process.  You will be asked to change your password from time to time for security reasons.  You should keep your password in a secure location.  Any person having access to your User ID and Password will be able to access Internet Banking Services and perform all transactions, including reviewing account information and making transfers to other accounts.

You, means the owner of an individual account, or in the event of a joint account, those persons identified on the joint account agreement as having authority to access the joint account with a single signature.

In the event of a joint application for a single User ID, eligible accounts shall only include those accounts for which each owner has authority to access each account with a single signature.

In the event a joint account ceases to be a joint account, you shall promptly notify us and apply for a new User ID.  Until you notify us of this joint account change, you continue to authorize us to process transactions using the current User ID.

ACCESS

You can use Internet Banking Services to access your accounts.  Our Internet Banking Services will allow you to:

• View account balances
• Transfer money between accounts
• Review recent transactions
• Download account information
• Communicate with us via email
• Process a stop payment

Internet Banking Services shall be accessible 24 hours a day, seven days a week.  Any transfer between your accounts that is completed before 11:00 pm (EST) on a business day is posted to your account on the same day.  Any transfer completed after 11:00 pm (EST) on a business day or at any time on a Saturday, Sunday or banking holiday will be posted on the next business day.  Our business days are Monday through Friday.  Holidays are not included.  Without limiting any other disclosure or liability limitation contained in this Agreement, we shall not be liable for any damage or injury arising out of failure to provide access to your accounts or your ability or inability to transact or engage in other Internet Services or any errors in or failure to complete transactions through the online site due to catastrophic system failure at Harvest Community Bank or at an Internet provider, or due to other unforeseen acts beyond the reasonable control of Harvest Community Bank.

Your access to Internet Banking Services shall be determined by the sole discretion of Harvest Community Bank.  Subject to applicable law, Harvest Community Bank reserves the right to modify, suspend, or terminate access to the Internet Banking Service at any time.

EQUIPMENT AND SOFTWARE REQUIREMENTS

In order to use Internet Banking Services, you will need a computer with a modem and a web browser.  Please refer to the Security and Browser Enrollment Page for specific hardware and software requirements.  You are responsible for the set-up and maintenance of your home computer and modem.  You agree that we are not responsible for any errors or failures from any malfunction of your computer or any virus or other problems related to the Internet Banking Services.

FUNDS TRANSFERS AND ACCOUNT INFORMATION

To use Internet Banking, you must first complete an online enrollment form.  Upon verification, you will be able to perform transfers, view balances and transaction activity.  We deduct the amount of your transfer from your account on the date you instruct us to process it.  We may refuse to act on your funds transfer instructions if sufficient funds, including funds available under any overdraft protection plan are not available in your account on the date you want us to transfer funds.

CONSUMER RIGHTS AND RESPONSIBILITIES
UNDER REGULATION E

You are responsible for keeping your User ID and password and account data confidential.  Harvest Community Bank is entitled to act on transaction instructions received using your password and you agree the use of your password will have the same effect as your signature in authorizing transactions.  If you authorize other persons to use your password in any manner, your authorization shall be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization (and changed your password), and you are responsible for any transactions made such persons and Harvest Community Bank shall not be liable for any damages or injury arising out of or resulting from any unauthorized use of your password, unless and until you notify us that transactions by that person are no longer authorized ( and we have a reasonable opportunity to act upon the change of your password).

You should notify us at once if you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account.  If you do not notify us promptly, it is possible that you could lose all the money in your account (plus your maximum overdraft protection).  To notify us, call 1 856 769-5044, ext. 308  during normal banking hours.  Notification by electronic mail or in paper copy alone will not constitute effective notice under this Section.

NOTE:  Federal law requires that if you believe your password has been lost or stolen and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your password, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transactions that you did not make, tell us at once.  If you do not tell us within 60 days after the first statement showing such a transaction 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.  Your role is extremely important in the prevention of any wrongful use of your account.  You must promptly examine your account statement upon receipt.  If you find that your records and ours disagree, you must call us at 1 856 769-5044, ext. 308 immediately.

If you think your statement is wrong or if you need more information about a transaction listed on the statement, contact us by telephone at 1 856 769-5044, ext. 308 or via email through Internet Banking or write us at:

            Harvest Community Bank
            Attention:  Internet Banking
            863 Route 45
            Pilesgrove NJ  08098

We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.  When you contact us, our representative will need to know the following information:

• Your name and account number
   
• A description of the error or the transaction you are unsure about and the explanation of why your believe it is an error or why you need more information; and

• The dollar amount of the suspected error

If you tell us orally (or by electronic communication), we may require that you send us your complaint or question in writing within ten business days.  We will tell you the results of our investigation within ten business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days to investigate your complaint or question.  If we decide to do this, we will credit your account within ten business days 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 ten business days, we may not credit your account.  If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation.  You may ask for copies of the documents that we used in our investigation.

You agree to properly maintain any accounts you have with Harvest Community Bank and to comply with the Terms and Conditions governing these accounts.

RESPONSIBILITIES OF HARVEST COMMUNITY BANK

If we do not complete a transfer to or from your account (or cancel a transfer) on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.

There are some exceptions to Harvest Community Bank’s liability for processing transactions on the consumer’s accounts.  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 the transfer would go over the limit on your overdraft protection;

3.  If the funds in your account were attached or the transfer cannot be made because of legal restrictions affecting your account;

4.  If the systems were not working properly and you knew about the breakdown when performing the transaction;

5.  If circumstances beyond our control such as interruption of telephone service or telecommunication facilities, or natural disaster (such as a fire or flood) prevent the transfer, despite reasonable precautions that we have taken;

6.  If you have not properly followed the instructions for using Harvest Community Bank’s Internet Banking Services;

7.  If your operating system or software was not properly installed or functioning properly.

WARRANTIES

Harvest Community Bank is not liable for any damages or injury you may suffer or incur arising out of or relating to the site or the Internet Services, including, without limitation, damages or injury caused by:  any performance or failure to perform; error; omission; interruption; deletion; defect; transmission delay; operational delay; service interruptions; communications failure; theft; destruction; unauthorized access to, use or alteration of your information; computer viruses or other software related problems; or inaccuracies, errors or unreliable information on the site, whether resulting wholly or in part from Harvest Community Bank’s breach of contract, negligent acts or omissions, other tortuous conduct or for any other reason.  Without limiting the generality of the foregoing, Harvest Community Bank shall not be liable for any consequential, indirect, special, incidental or punitive damages, that may arise out of or relate to your use or access of, or your inability to use or access, the site for the Internet Services, or the transactions processed or attempted to be processed through the site, even if Harvest Community Bank has been advised of the possibility of such damages.  If you live in a state that prohibits limitations or exclusions of liability or of certain damages, the foregoing limitation may not apply to you.

Neither Harvest Community Bank, software suppliers nor any information providers make any warranty, express or implied, to you concerning the software, equipment, browser, the site or the Internet Services, all of which are provided “as, where is”.  Harvest Community Bank hereby disclaims any and all warranties, including without limitation, implied warranties of merchantability, fitness for a particular purpose and noninfringement of third party rights.  Your use of the site and Internet Services is at your own risk.

Harvest Community Bank desires and intends for the information contained in the site to be accurate, correct and reliable, but, without limiting the generality of the foregoing warranty disclaimer, Harvest Community Bank does not warrant, and it specifically disclaims any warranty, that the site will contain accurate, correct and reliable information, that the Internet Banking Services will be uninterrupted or error-free or that the site or its web servers will be free from computer viruses or software-related problems.

By your use of Internet Banking Services, you acknowledge that the Internet Banking Services may not perform as you intend, notwithstanding any efforts of Harvest Community Bank, software providers, information or Internet service providers or you.

The foregoing disclaimers may not apply to you, if you live in a state that prohibits such disclaimers.

TERMINATION

Your Internet Banking Services remain in effect until terminated by you or us.  You may cancel your Internet Banking Services at any time by notifying us of your intent to cancel via email, or calling 1 856 769-5044, ext. 308 or writing to us at:

            Harvest Community Bank
            Attention:  Internet Banking
            863 Route 45
            Pilesgrove NJ  08098

This cancellation applies only to your Internet Banking Services and does not terminate your other relationships with us.  We may terminate your participation in the Internet Banking Services for any reason, at any time.  We will try to notify you in advance, but we are not obliged to do so.

CHANGES IN TERMS AND OTHER AMENDMENTS

Harvest Community Bank reserves the right to amend, add or remove portions of the Terms and Conditions of Use at any time.  If any such amendment results in greater cost or liability to your or stricter limitations on the frequency or dollar amounts of transfers, we will give you at least 30 days notice by mailing a copy of the amendment to you at your most recent address shown on our records or, if you have previously agreed, by providing a notice delivered to the last email address you have provided us.  Otherwise, Harvest Community Bank will not provide you with advance notice of any amendments to the Terms and Conditions of Use.  Harvest Community Bank recommends that you check these Terms and Conditions of Use from time to time.  You shall be deemed to have accepted any changes we make to the Terms and Conditions of use if you use the site any time after such changes have been made.

SITE USE MONITORING

Harvest Community Bank reserves the right to monitor your use of the site.

INTELLECTUAL PROPERTY LICENSE AND RESTRICTIONS

You may use the site for your personal use.  You may not create a link from your website to the site or redeliver any of the pages, text, graphic images or content of the site using framing technology, without Harvest Community Bank’s prior written consent.  You may download any software available from the site for your personal use, but Harvest Community Bank does not transfer title or ownership of any such software to you and you may not distribute, sell, assign, transfer, reverse engineer, decompile or disassemble, any such software.  You may not copy, reproduce, republish, transmit, display, modify, distribute or otherwise transfer Harvest Community Bank’s logos, or the pages, text, content or graphic images on the site in any way, except as specifically provided in this section.

ELECTRONIC NOTICE

Through the use of equipment or software, you can use electronic mail (email) to contact us about inquiries, maintenance and/or problem resolution issues.  Email may not be a secure method of communication over the Internet.  Therefore, we recommend you do not send confidential information by email.  There may be times when you need to speak with someone immediately, especially to report a lost or stolen password.  In these cases, do not use email.  Instead, call us at 1 856 769-5044, ext. 308.  

BUSINESS DAYS AND HOURS OF OPERATION

"Business days" means Monday through Friday, excluding Saturday, Sunday and federal banking holidays set forth under the laws of the United States. Customer Support is available 24 x 7 by calling 1-866-873-9578.

GEOGRAPHIC RESTRICTIONS

The Internet Banking Services described in this agreement are solely offered to Harvest Community Bank customers residing in the United States of America.  Citizens and residents may not be able to access the Internet Banking Services outside the United States and the site may not be appropriate for use by persons outside of the United States.  By using the site, you represent and warrant that you do not reside in any country other than the United States.  You also represent and warrant that you are not a national or resident of any country, or territory, other than the United States.  You agree that you will not download any software from the site for export to any location outside of the United States.

GOVERNING LAW

This Agreement shall be construed in accordance with and governed by the laws of the State of New Jersey without regard to choice on conflicts of law principles.  Users of Internet Banking acknowledge that all transactions must comply with the laws of the United States, including without limitation economic sanctions administered by the US Treasury Department’s Office of Foreign Assets Control (OFAC).

If any provision of these Terms and Conditions of Use are declared or deemed to be unlawful, unenforceable or void for any reason, then that provision shall be deemed severable from these Terms and Conditions of Use and will not affect the validity or enforceability of the remaining provisions.

SCOPE OF AGREEMENT

The preceding Terms and Conditions of Use represents the entire agreement between Harvest Community Bank and you relating to Internet Banking Services, and no other statement, oral or written, including without limitation, the materials on the site shall constitute part of this agreement.