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bank@home Agreement

Meaning of some words. In this agreement,

(a) “we,” “us,” “our,” and “ours” means Orrstown Bank, 77 East King Street, Shippensburg, PA 17257,

(b) “you” and “your” means anyone who electronically submits this agreement,

(c) “your registration” means that registration, as originally made or as changed by any updating information submitted to us at any time, whether through bank@home, in writing or in any other way,

(d) “your deposit accounts” means all deposit accounts with us that are designated in your application and are approved by us as deposit accounts accessible through bank@home,

(e) “your payment account” means, if bank@home Bill Pay is elected in your application, whichever of your deposit accounts is designated in your application as the demand deposit account to be used for the payment of bills through bank@home Bill Pay,

(f) “your line of credit accounts” means all home equity and other line of credit accounts with us that are designated in your application and are approved by us as line of credit accounts accessible through bank@home,

(g) “your loan accounts” means your line of credit accounts and all other mortgage, installment, home equity and other loan accounts with us that are designated in your application and are approved by us and accessible through bank@home,

(h) “the bill payment processor” means the bill payment processor that provides services to us in connection with bank@home Bill Pay,

(i) “your identification numbers” means

(i) all the account numbers and passwords assigned to you by us or chosen by you for use with any bank@home product and

(ii) all account numbers and passwords assigned for use with bank@home by us, or chosen for use with bank@home by any individual designated in your registration to act on your behalf in connection with bank@home.

(j) “E-Mail” means any electronic message sent or received via the Internet.

2. Computer, related equipment and software. The installation, maintenance, operation and use of the computer, related equipment (for example, modem, telephone and other telecommunications equipment) and software you use for bank@home are your responsibility. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR TO THE EXTENT APPLICABLE LAW REQUIRES A DIFFERENT STANDARD, WE WILL NOT BE RESPONSIBLE FOR ANY LIABILITY, LOSS, INJURY, OR DAMAGE (WHETHER DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE) IN ANY WAY ARISING OUT OF (A) ANY ERROR IN THE INSTALLATION, MAINTENANCE, OPERATION OR USE, OR ANY CONFIGURATION PROBLEM OR INCOMPATIBILITY, OF THE COMPUTER, RELATED EQUIPMENT OR SOFTWARE, (B) ANY FAILURE OR MALFUNCTION OF THE COMPUTER, RELATED EQUIPMENT OR SOFTWARE, (C) ANY FAILURE OR MALFUNCTION OF, OR ANY COMPROMISE OF DATA SENT USING, ANY TELEPHONE, INTERNET ACCESS OR OTHER SERVICE YOU USE TO CONNECT TO bank@home OR (D) ANY VIRUS OR SIMILAR PROBLEM RESULTING FROM THE USE OF bank@home.

3. Your identification numbers. Your identification numbers will be used to initiate orders described in sections 6 and 7 through bank@home. A customer identification number called a bank@home ID and a password called a bank@home Password will be required for use with bank@home. We will assign the customer identification number to you, but you can rename it with an alias. The password will initially be the last four digits of your social security number, also known as a tax identification number, but you will be required to choose a new password for use with bank@home. You should not choose as the new password any password for any card that is tied to any of your deposit accounts. You must not allow anyone else to have any of your identification numbers unless you authorize him or her to use your identification numbers to initiate orders described in Sections 6 and 7 through bank@home. You must keep your identification numbers confidential and in a secure location separate from the customer, related equipment and software you use for bank@home. For reasons of security, Jack Henry & Associates, Inc or we can cancel the effectiveness of any of your identification numbers at any time without giving you any notice that the cancellation is going to occur.

4. Your responsibility for transactions. You will be responsible for each transaction ordered by any order described in Section 6 or 7 that is given through bank@home by you or anyone else you allow to have any of your identification numbers or to use bank@home in any way described in Section 6 or 7.

5. bank@home. bank@home has 2 features for our consumer and corporate customers: bank@home Teller and bank@home Bill Pay. bank@home Teller is always included in bank@home, while bank@home Bill Pay is included in bank@home only if elected in your registration.

6. bank@home Teller. Subject to the provisions of this agreement, bank@home Teller can be used to give:

(a) an order to us to make a recurring or non-recurring transfer of funds from any of your deposit accounts to any other of your deposit accounts or any of your loan accounts,

(b) an order to us to make a non-recurring transfer of funds from any of your line of credit accounts to any of your deposit accounts or any other of your loan accounts,

(c) a request to us for information available through bank@home Teller concerning your banking relationships with us (for example,

(i) information concerning your deposit accounts and transactions involving your deposit accounts and

(ii) information concerning other deposit accounts you have with us that are not accessible through bank@home Teller and transactions involving those deposit accounts), and

(d) an order to us to stop payments on checks you have written.

7. bank@home Bill Pay. Subject to the provisions of this agreement, bank@home Bill Pay can be used to give:

(a) an order to us to make a non-recurring payment from your payment account,

(b) an order to us to make a series of recurring payments of the same amount from your payment account,

(c) an order to us changing or canceling an order to us to make a non-recurring payment from your payment account that was previously given through bank@home Bill Pay,

(d) an order to us canceling as to future payments an order to us to make a series of recurring payments of the same amount from your payment account that was previously given through bank@home Bill Pay and

(e) a request to us for available information concerning payments from your payment account made through bank@home Bill Pay. Any payment from your payment account made through bank@home Bill Pay will be made by either an electronic transfer of funds to the payee of the payment or the preparation and sending to the payee of the payment a check. Because the payee of a payment from your payment account made through bank@home Bill Pay will not receive a payment stub with the payment and because the payee may process payments made without a payment stub at a different location than is normally the case or may take longer than is normally the case to process those payments, it may be advisable for you to verify with the payee the address to which the payment should be sent and the period of time required for the posting of the payment.

8. Limitations and other rules applicable to transactions. The following limitations and other rules apply to transactions ordered by orders to us given through bank@home:

(a) No transfer of funds from any of your deposit accounts can be ordered through bank@home Teller and no payment from your payment account can be ordered through bank@home Bill Pay if you do not have an unrestricted right to withdraw funds from the account (for example, if 2 or more persons are required to sign a check written on the account or a withdrawal form for the account).

(b) Any transfer of funds from any of your deposit accounts ordered through bank@home Teller and any payment from your payment account ordered through bank@home Bill Pay will be subject to the funds being available for withdrawal from the account when the order to us ordering the transfer or payment is to be charged against the account.

(c) If when any order to us to make a transfer of funds from any of your deposit accounts is given through bank@home Teller or any order to us to make a payment from your payment account given through bank@home Bill Pay is to be charged against the account the amount of the transfer or payment exceeds the amount of money available for withdrawal from the account (taking into account, if the account is tied to a line of credit account with us and the order is an order to us to make a payment from your payment account given through bank@home Bill Pay, the amount of credit available under the line of credit account), we can either

(i) make a transfer or payment, in which case you will be liable for the excess, or

(ii) refuse to make the transfer or payment.

In either case, you will be liable for any fee applicable to the withdrawal or attempted withdrawal of money from the account in excess of the amount of money available for withdrawal from the account.

(d) For reasons of security, we can at any time and without giving you any notice that we are going to do so refuse to honor any order to us to make a transfer of funds from any of your deposit accounts or any of your line of credit accounts given through bank@home Teller or any order to us to make a payment from your payment account given through bank@home Bill Pay. For example, we can do so if, for reasons of security, we believe that it is advisable to limit the dollar amount or frequency of transfers of funds from any of your deposit accounts ordered through bank@home Teller or payments from your payment account ordered through bank@home Bill Pay.

(e) We can, at any time and without giving you any notice that we are going to do so, refuse to honor any order to us given through bank@home if the order reasonably appears to us to be fraudulent or erroneous.

9. Limitations and other rules applicable to bank@home Teller transactions. The following limitations and other rules apply to transactions ordered by orders to us given through bank@home Teller:

(a) Any transfer of funds from any of your deposit accounts ordered through bank@home Teller will be subject to the funds being available under the account when the order to us ordering the transfer is to be charged against the account.

(b) If when any order to us to make a transfer of funds from any of your line of credit accounts given through bank@home Teller is to be charged against the account the amount of the transfer exceeds the amount of credit available under the account, we can either

(i) make the transfer, in which case the amount of the transfer will be considered to be credit extended under the account, or

(ii) refuse to make the transfer. In either case, you will be liable for any fee applicable to the obtaining of the credit or attempted obtaining of credit in excess of the amount of credit available under the account.

10. Limitations and other rules applicable to bank@home Bill Pay transactions. The following limitations and other rules apply to transactions ordered by orders given to us through bank@home Bill Pay:

(a) The payee of any payment from your payment account ordered through bank@home Bill Pay

(i) must be located in the United States

(ii) cannot be a governmental entity and

(iii) cannot be a party that we regard as ineligible for payment through bank@home Bill Pay.

(b) No payment from your payment account can be ordered through bank@home Bill Pay in an amount greater than $9,999.99.

(c) An order to us to make a non-recurring payment from your payment account through bank@home Bill Pay cannot be given more than 5 years before the date of the non-recurring payment.

(d) An order to us to make a series of recurring payments from your payment account through bank@home Bill Pay can be given to any date in the future.

(e) For a series of recurring payments from your payment account to be ordered through bank@home Bill Pay, the payments must be

(i) equal in amount,

(ii) payable to the same payee and

(iii) payable weekly, semi-monthly or monthly at regular intervals.

(f) We can at any time and without giving you any notice that we are going to do so refuse to honor any order to us to make a payment from your payment account given through bank@home Bill Pay if, because the order identifies the same payee, payment date and amount, it appears to duplicate another order to us to make a payment from your payment account given through bank@home Bill Pay.

11. Processing and charging of bank@home Teller orders. An order to us to make a transfer from any of your deposit accounts or any of your line of credit accounts given through bank@home Teller

(a) will be processed and charged against the account the day we receive the order, if the order is received prior to 6:00 p.m. and

(b) cannot be canceled after the 6:00 p.m. cutoff time.

12. Processing and charging of bank@home Bill Pay orders. The following rules apply to the processing and charging of orders to us given through bank@home Bill Pay:

(a) You will be responsible for giving any order to us to make a payment from your payment account through bank@home Bill Pay in sufficient time for the order to be processed by the bill payment processor and the payment to be sent so that it is received by the payee of the payment by the date it is to become due without taking into account any grace period provided by the payee, and you will be responsible for any consequence of your not doing so (for example, any finance or late charge resulting from the payment being made late). If the payment is to be made by an electronic transfer of funds to the payee, up to 4 of our business days after our business day on which we receive the order will be necessary to allow for processing of the order by the bill payment processor so that the payment is received by the payee by the date it is to become due. If the payment is to be made by the preparation and sending to the payee of a check, up to 10 of our business days after our business day on which we receive the order will be necessary to allow for the processing of the order by the bill payment processor so that the payment is received by the payee by the date it is to become due.

(b) An order to us to make a payment from your payment account given through bank@home Bill Pay must be received by us by 1:00 p.m. eastern United States time of the day before the day the payment is scheduled to be made in order to be assured of being processed by the bill payment processor on the day the payment is scheduled to be made. Every day Monday through Friday that is not a legal holiday, the bill payment processor will process each order to us to make a payment from your payment account given through bank@home Bill Pay that is scheduled to be made on or before that day and has not yet been made. The order will be charged against your payment account as early as that day. For example, if an order to us to make a payment from your payment account on Monday January 3rd given through bank@home Bill Pay is received by us by 1:00 p.m. eastern United States time on Sunday January 2nd, the order will be processed by the bill payment processor on Monday January 3rd and charged against your payment account as early as Monday January 3rd (assuming that Monday January 3rd is not a legal holiday). Similarly, if an order to us to make a payment from your payment account on Friday December 31st given to us through bank@home Bill Pay is not received by us by 1:00 p.m. eastern United States time on Thursday December 30th, the order will be processed by the bill payment processor on Monday January 3rd and charged against your payment account as early as Monday January 3rd (assuming that Monday January 3rd is not a legal holiday).

(c) An order to us given through bank@home Bill Pay to change or cancel an order to us to make a non-recurring payment from your payment account given through bank@home Bill Pay or to cancel as to future payments an order to us to make a series of recurring payments of the same amount from your payment account given through bank@home Bill Pay will not be binding on us unless we receive it by 1:00 p.m. eastern United States time of the day before the day the order to make the non-recurring payment or the next payment in the series of recurring payments is to be processed by the bill payment processor.

13. Stopping payment of bank@home Bill Pay payment. In addition to using bank@home Bill Pay to give an order to us canceling as to future payments an order to us to make a series of recurring payments of the same amount from your payment account that was previously given through bank@home Bill Pay, you or any individual designated in your on-line registration to act on your behalf in connection with bank@home Teller can order us to stop the payment of any single payment in the series or future payments in the series by telephoning 717.530.3530 or 1.888.688.7869 in time for us to receive the order at least 3 of our business days before the date the payment or the first of the payments is scheduled to be made. Our liability for damages you suffer as a result of our failure to comply with the order will be determined by applicable law and any agreement between you and us concerning your payment account, but in no event will we be liable to you for consequential or punitive damages. We can require you to get a written confirmation of the order to us within 14 days after the date you telephone it to us. In that case, the order will cease to be binding on us 14 days after the date it is telephoned to us unless we receive the confirmation during the 14 days. However, even if we do not receive the confirmation during the 14 days, we can continue to follow the order even though it is no longer binding on us. If the order relates to a single payment in the series, we can, but we will not have to, allow any other payment from your payment account to the payee of the payment.

14. Stopping payment using bank@home. You or any individual designated in your on-line registration to act on your behalf in connection with bank@home, can order us to stop payment of any single check. We can require you to get a written confirmation of the order to us within 14 days after the date the order is given. In that case, the order will cease to be binding on us 14 days after the date the order is given to us unless we receive the confirmation during the 14 days. If we receive the confirmation during the 14 days the order will be binding on us for 6 months from the date of the original order. However, even if we do not receive confirmation during the 14 days, we can continue to follow the order even though it is no longer binding on us.

15. Authorization and appointment of agent. You authorize us and appoint us as your agent to take on your behalf any action we believe necessary or appropriate to implement any order described in Sections 6 or 7 that is given through bank@home. For example, you authorize us and appoint us as your agent to on your behalf

(a) withdraw money from any of your deposit accounts and deposit the money in any other of your deposit accounts in order to implement any order to us to transfer funds from the first account to the other account given through bank@home Teller,

(b) withdraw money from any of your deposit accounts and use the money to make any payment under any of your loan accounts in order to implement any order to us to transfer funds from the deposit account to the loan account given through bank@home Teller,

(c) obtain credit under any of your line of credit accounts and deposit the proceeds of the credit in any of your deposit accounts in order to implement any order to us to transfer funds from the line of credit account to the deposit account given through bank@home Teller,

(d) obtain credit under any of your line of credit accounts and use the proceeds of the credit to make any payment under any other of your loan accounts in order to implement any order to us to transfer funds from the line of credit account to other loan account given through bank@home Teller and

(e) withdraw money from your payment account in order to implement any order to us to make a payment from your payment account given through bank@home Bill Pay. Our withdrawal of money from any of your deposit accounts or our obtaining of credit under any of you line of credit accounts under the authority given and the appointment as your agent made in the first sentence of this section will be as effective as though you had signed a check or withdrawal form to make the withdrawal or to obtain the credit. In addition, you authorize the bill payment processor and appoint it as your agent to take on your behalf any action it believes necessary or appropriate to implement any order described in Section 7 given through bank@home Bill Pay. For example, you authorize the bill payment processor and appoint it as your agent to on your behalf direct us to withdraw funds from your payment account in order to implement any order to us to make a payment from your payment account given through bank@home Bill Pay.

16. Fees. You must pay us each fee we impose for the use of any bank@home feature, and you authorize us to charge the fee against any of your deposit accounts or any other deposit account you have with us now or in the future. The General Service Fees page shows the fees we impose for the use of bank@home, which are in addition to the fees applicable to any of your deposit accounts or any other deposit account you have with us now or in the future.

17. Statements. Approximately once a month, we will send or deliver to you a statement for each of your deposit accounts that is demand deposit. Approximately once a month, we will review each of your deposit accounts that is not a demand deposit and send or deliver a statement for the account to you if any bank@home transaction has been credited to or charged against the account since we last reviewed it. But in any event we will send or deliver a statement for the account to you approximately once a quarter. Any statement for any of your deposit accounts will show all transactions credited to or changed against the account during the period covered by the statement.

18. Business days. Our business days are Monday through Friday, excluding legal holidays.

19. Our liability for failure to complete transactions. Our liability for damages you suffer as a result of our failure to make, on time and in the correct amount,

(a) any transfer of funds to or from any of your deposit accounts ordered by a timely and properly initiated order to us to make the transfer given through bank@home Teller or

(b) any payment from your payment account ordered by a timely and properly initiated order to us to make the payment given through bank@home Bill Pay will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds to or from the account, but in no event will we be liable to you for consequential or punitive damages.

If the order is to make a payment, whether the order is timely will be determined under paragraph (b) of Section 12. The order will not be properly initiated unless

(a) the computer, related equipment and software you use for bank@home Teller and each telephone, Internet access and other service you use to connect to bank@home Teller are properly functioning,

(b) the instructions on how to give the order to us are properly followed,

(c) the order is described in Section 6 or 7 and is correct and complete (for example, if the order is to make a payment, the order includes the correct name and address of the payee of the payment, the correct account number of the account to which the payment is to be made and the correct amount of the payment) and

(d) the transfer or payment would not be subject to any limitation referred to in Section 8, 9 or 10.

Without limiting the first sentence of this section, in no event will we be liable to you if any of the following things happens:

(a) we do not receive the order;

(b) before the order is to be charged against the account from which the transfer or payment is to be made, your right to use bank@home Teller is canceled;

(c) when we process the order or when the order is to be charged against the account from which the transfer or payment is to be made, we in good faith believe that the order was given without your authorization (for example, because any of your identification numbers has been reported lost or stolen) or is fraudulent;

(d) the order is to make a transfer and, before the order is to be charged against the account from which the transfer is to be made, either that account or the account to which the transfer is to be made is closed;

(e) the order is to make a payment and

(i) we do not receive the order in time to allow us to make the payment and allow the payee of the payment to properly credit it by the date on which it is to become due,

(ii) we make the payment in time to allow the payee of the payment to properly credit it by the date on which it is to become due but the payee fails to do so or

(iii) before the order is to be charged against your payment account, your payment account is closed;

(f) the account from which the transfer or payment is to be made is a deposit account and through no fault of ours, when we process the order or when the order is to be charged against the account, the amount of the transfer or payment exceeds the amount of money available for withdrawal from the account (taking into account, if the account is tied to a line of credit account with us and the order is an order to us to make a payment from your payment account given through bank@home Bill Pay, the amount of credit available under the line of credit account);

(g) the order is to make a transfer from a line of credit account to a deposit account and through no fault of ours, when we process the order or when the order is to be charged against the line of credit account, the amount of the transfer exceeds the amount of credit available under the line of credit account;

(h) when we process the order or when the order is to be charged against the account from which the transfer or payment is to be made, money in the account is subject to any legal process (for example, a tax levy, a subpoena or an order providing for restraint, attachment, garnishment or execution) restricting its removal from the account or is the subject of a dispute;

(i) when the order is given, bank@home Teller is unavailable because maintenance work is being performed on it;

(j) we are prevented from making the transfer or payment by a technical malfunction and when the order is given the person giving it knows that bank@home Teller is not functioning properly;

(k) an occurrence beyond our control (for example, a fire, flood, failure or malfunction of equipment or delay or loss of mail by the postal service) prevents us from properly making the transfer or payment despite our exercise of reasonable care to prevent the occurrence and our exercise of due diligence to make it despite the occurrence; and

(l) our failure to make the transfer or payment is justified by any provision of this agreement, by any provision of any other agreement between you and us concerning any of your deposit accounts, any of your loan accounts or transfers of funds to or from any of your deposit accounts or any of your loan accounts or by applicable law.

Things to do to protect your information:

• Memorize your passwords and PINs. Never write them down or share them with anyone.

• Do not choose to "Save Password" on your computer. Anyone else who uses your computer can easily gain access to your online account because the access information would already be stored.

• Change your password or PIN regularly.

• Properly log off when you have finished your banking transactions to break the connection with Orrstown Bank's servers. In addition, completely close your Web Browser to break your connection with the World Wide Web.

• Beware of requests for personal information, such as passwords, account numbers, social security numbers, and mother's maiden name. Know that an Orrstown Bank employee will never ask you any personal information in the form of an email.

• Be cautious of clicking on links or attachments in unsolicited email messages. Some links and attachments contain virus infections that infect our computer and attempt to capture your online banking credentials.

• Beware of pop-ups. Watch out for sudden pop-up windows asking for personal information or warning of a virus. This is called “scareware” because it frightens people into providing information or downloading malicious software.

• Make sure your computer has virus protection and is current on security updates. This will help detect and prevent malicious intrusions.

• Review your account transactions regularly and immediately report any suspicious activity.

• Your smartphone contains a host of personal information about you. Secure access to your application by applying a strong password.

• Configure your phone to automatically lock and apply the password when your device is not in use.

• Do not allow the device to save your mobile banking passwords. Anyone else who uses your device can easily gain access to your account because the access information would already be stored.

• If your phone is lost or stolen, report it to us immediately.

• Links in emails, tweets, social networking postings and text messages are often ways cybercriminals disperse their malware. If it looks suspicious, even if you know the sender, it’s best to delete it or call the sender to validate the message.

• Be wary of any communications that require you to act immediately or ask for personal information.

• Remember, Orrstown Bank will never: Call, email or text you asking for your online banking password, wire pin or challenge question answers. Email or text you about a problem with your account.

• Consider adding anti-virus software to your smartphone.

• Mobile Banking does send confirmation messages to your device to alert you of transactions taking place. These messages do not contain private information about you or your account. Become familiar with content of these messages and contact us immediately if you receive a message you feel is suspicious.

• Jailbreaking is a method of “self-hacking” your smartphone. This makes your smartphone more susceptible to malware and other malicious programs. If you choose to use your mobile device for online banking we advise you not to jailbreak your smartphone.

20. Notice of loss, theft, or unauthorized use. If you believe that any of your identification numbers has been lost or stolen or that any transaction involving any of your deposit and/or loan accounts may have been or may be made without your authorization, you must contact us at once. You can do so by telephoning 717.530.3530 or 1.888.677.7869 or writing Orrstown Bank, 77 East King Street, Shippensburg, Pa. 17257, Attention: Security Officer. If any statement for any of your deposit accounts we send or deliver to you indicates that a transaction involving the account may have been without your authorization during the period covered by the statement or that we may have made an error with respect to the account during that period, you will lose any right to make any claim against us based on the transaction or error unless you notify us in writing of the transaction or error within 60 days after the date we send or deliver the statement to you.

21. Liability for unauthorized use. How much you will have to bear of the loss of money taken from any of your deposit accounts in any transaction or series of transactions ordered through bank@home Teller by orders to us initiated by using any of your identification numbers will be determined by applicable law and any agreement between you and us concerning the account or transfers of funds from the account, but

(a) in no event will we be liable to you for the loss of money taken from the account in any transaction or series of transactions ordered through bank@home Teller by an order or orders to us initiated by the use of any of your identification numbers by anyone else you allow, or any individual designated in your registration to act on your behalf in connection with bank@home Teller allows, to have any of your identification numbers,

(b) in no event will we be liable to you for the loss of money taken from the account in any transaction or series of transactions ordered through bank@home Teller by an order or orders to us initiated by the use of any of your identification numbers unless we fail to exercise ordinary care in processing the transaction or transactions and

(c) in the case of any loss of money taken from the account in any transaction or series of transactions ordered through bank@home Teller by an order or orders to us initiated by the use of any of your identification numbers, our liability will be limited to the amount of the transaction or transactions less any amount that, even with our exercise of ordinary care, would have been lost.

22. Disclosure. In the regular course of our business, we will disclose information concerning any of your deposit accounts or any transaction involving the account

(a) as necessary to complete the transaction or to resolve any error concerning the transaction,

(b) in any statement we send or deliver for the account,

(c) to someone in whose name the account is open,

(d) in accordance with the written permission of someone in whose account the name is open,

(e) to verify the existence and condition of the account or to report our experience concerning the account to a third party such as another financial institution, a credit reporting agency or a merchant,

(f) to any affiliate of ours for the purpose of offering or providing another product or service to you,

(g) to any agent, contractor or vendor of ours for the purpose of providing any service to us in the regular course of our business or completing marketing activities of ours (for example, the bill payment processor or any other party providing any service to us in connection with bank@home) or

(h) to comply with applicable law, any order of any court or any order or request of any other governmental body.

23. Cancellation. You can cancel your right to use bank@home at any time by notifying us in writing. The cancellation will not take effect until we receive the notice and have a reasonable time to act on it. At any time, for any reason and without notifying you that we are going to do so, we can cancel your right to use bank@home. The cancellation will take effect immediately unless we decide to have it take effect later. Once the cancellation by you or us of your right to use bank@home takes effect, we can but will not have to, process any order described in Section 6 or 7 that is given through bank@home before the cancellation takes effect. The cancellation by you or us of your right to use bank@home will not affect any of your obligation under this agreement.

24. E-mail. We will not have to take any action based on any e-mail sent to us through bank@home Teller until we receive and have a reasonable time to act on the e-mail.

25. Recording and obtaining information. You consent to

(a) the recording by us, the bill payment processor or any other party providing any service to us in connection with bank@home of any information, notice, order or other communication sent through bank@home (for example, electronic mail sent to us through bank@home) or

(b) the obtaining by us or the bill payment processor from the payee of any payment from your payment account that is ordered through bank@home Bill Pay of any information that we consider or the bill payment processor considers necessary to complete the payment or to resolve any error concerning the payment.

26. Reasonable time to act. A reasonable time for us to act on any information, notice, order or other communication or document received by us (for example, electronic mail sent to use through bank@home) will not end until at least the close of business on our first business day after our business day we receive the information, notice, order, or other communication or document.

27. Notices and change of address. Any notice we send you concerning this agreement or bank@home Teller will be sent to your current mailing address shown in our records concerning this agreement or, if allowed by applicable law, sent to your current e-mail address shown in those records or posted on our Worldwide Web site. We can send it by regular mail. If your mailing or e-mail address changes, you must promptly notify us in writing of the new address. Any notice you give us concerning this agreement or bank@home Teller must be given in writing unless applicable law provides that it can be given in any other way.

28. Changes in agreement or bank@home. No change in this agreement can be made except in a writing signed by us. We can change this agreement or the schedule accompanying this agreement at any time, and we can change bank@home at any time by adding, deleting, or changing any feature of bank@home. We will send or deliver to you any notice of the change that applicable law requires us to send or deliver to you.

29. No notice or loss of rights. We can exercise, give up, fail to exercise or delay exercising any of our rights with respect to you or bank@home without notifying you. By exercising, failing, to exercise or delaying the exercise of any rights, we will not lose it or any other of the rights. By giving up any of the rights on any occasion, we will not lose it on any other occasion or lose any other of the rights.

30. Giving up of rights. None of our rights with respect to you or bank@home can be given up by us except in a writing signed by us.

31. No transfer of rights and obligations. You cannot transfer any of your rights and obligations under this agreement or with respect to bank@home to anyone else. Any transfer of any of the rights and obligations will be void.

32. Conflicts. If any part of this agreement conflicts with applicable law, the law will control, and this agreement will be considered changed to the extent necessary to comply with it.

33. Continued effectiveness. If any part of this agreement is determined by a court to be invalid, the rest will remain in effect.

34. What law applies. Any legal question concerning this agreement or bank@home will be decided in accordance with

(a) Pennsylvania State law without regard to the law of any other state, and

(b) to the extent applicable, federal law.

35. Entire agreement. Except for any agreement between you and us concerning any of your deposit accounts, any of your loan accounts, or transfer of funds to or from any of your deposit accounts or any of your loan accounts, this agreement is the final and complete agreement between you and us concerning bank@home. If any part of any agreement described in the preceding sentence is incompatible with any part of this agreement, the part of this agreement will control. Any statement concerning bank@home made by any of our employees or anyone else is not part of this agreement.

36. Agreement. You agree to be bound by all provisions of this agreement.