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U.S. BANK ONLINE BANKING TERMS AND CONDITIONS

bank ONLINE BANKING TERMS AND CONDITIONS Effective July 6, 2012 TABLE OF CONTENTS INTRODUCTION .. 1 THIS IS AN AGREEMENT .. 1 GENERAL TERMS .. 1 DEFINITIONS .. 2 CONSENT TO ELECTRONIC AND OTHER COMMUNICATIONS .. 2 MONITORING AND RECORDING COMMUNICATIONS .. 2 CELLULAR PHONE CONTACT POLICY .. 2 FEES AND CHARGES .. 2 WAIVERS AND PRECEDENTS .. 2 TERMS APPLICABLE TO ALL ONLINE SERVICES .. 3 ELIGIBILITY .. 3 SECURITY; YOUR ROLE IN PROTECTING YOUR ID AND PASSWORD .. 3 ELECTRONIC FUND TRANSFER PROVISIONS FOR CONSUMERS .. 3 YOUR RESPONSIBILITY .. 5 INFORMATION 5 PRIVACY; DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES .. 6 TOOLS AND CALCULATORS; PERSONAL FINANCIAL MANAGEMENT SOFTWARE.

versions. By accessing your account online and engaging in other Online Services, you agree to the most recent version of this Agreement, which is available to you online at www.usbank.com, at your local U.S. Bank branch, or by calling U.S. Bank at a number listed at the end of this Agreement.

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