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* By
submitting this application to First Bank of Carmi: (1) I/We
will be bound by the terms and conditions of First Bank's
(hereinafter Bank) Depository Agreement which may be amended
at the Bank's discretion. (2) I understand that the password
can be used to withdraw funds from the account(s) and that
I must safeguard this code. I understand that I remain responsible
for all activity on my account. All terms and conditions that
were disclosed to me when I opened my account continue to
apply. I also agree to hold the Bank harmless from any and
all costs, suits, expenses, liabilities, damages, and attorney's
fees arising from or related to the Bank acting in good faith
in accordance with instructions of information that was sent
electronically by the customer or the customer's authorized
persons. (3) I authorize the Bank to disclose information
about my account(s) to third parties in order to complete
transactions using NetTeller. I also authorize my Payees to
disclose to the Bank and its agents information regarding
my account(s) with such Payee(s) in order to complete transactions
using NetTeller, including to resolve questions regarding
such transactions. (4)I agree that the Bank will not be liable
to me if any unauthorized person intercepts electronic communications
between myself and the Bank. (5) I must promptly report in
writing any errors in connection with any NetTeller and /
or Bill Pay service and any discrepancy between my records
of orders and requests and the notice I receive from the Bank
regarding the Bank's execution of my orders and requests.
(6) I understand that the Bank will use the above e-mail address
to periodically inform me of important bank information. (7)
I agree that neither I nor the Bank shall be responsible for
any loss or delay caused by any failure or interruption of
any electronic communication system between myself and the
Bank which are unavoidable or beyond either party's reasonable
control. (8) I agree to pay the Bank the fees for placing
stop payments and fees associated with the Bill Pay service
if applicable. The Bank reserves the right to change fees
and charges with advance customer notification. I understand
that with the exception of placing stop payments and Bill
Pay, all services accessed through NetTeller are provided
free of charge. (9) If I fail to use my Netteller services
for 180 days, my account will become dormant. Re-activation
of my account will require the completion of a new Netteller
application form. (10) If I fail to use my BillPay services
for 60 days, the bank will automatically assess a service
charge in the amount of $5.95 per month for this product.
You must notify the bank to have this fee stopped and the
BillPay account closed out.
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