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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 .. 6 ACCESSING ONLINE SERVICES FROM OUTSIDE THE UNITED STATES .. 6 OTHER SERVICES; FUTURE OFFERS.

The U.S. Bank Online Banking Terms & Conditions (“Agreement”) governs the use of services via internet connection, including, but not limited to, accessing account statements, making deposits through DepositPoint, making payments (using Pay Bills or U.S. Bank Pay A Person) and other

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