Copyright & Disclosures from The Honesdale National Bank

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	ONLINE BANKING

Copyright Notices and Disclosures
INFORMATION REGARDING FDIC INSURANCE COVERAGE
The Honesdale National Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
NOW accounts and IOLTA accounts are included in this coverage.
General Information
Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of The Honesdale National Bank.
Copyright Information
©2001 The Honesdale National Bank, All Rights Reserved
©1996 The Forms Group, Scottsdale, AZ All Rights Reserved
All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.
Trademark Information
BankSITE® is a registered trademark of The Forms Group.
Disclaimer of Warranties
The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.
Descriptions of, or references to, products, services or publications within The Honesdale National Bank's web site does not imply endorsement of that product, service or publication. The Honesdale National Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. The Honesdale National Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.
This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.
Disclosures
Disclosure Statement For Consumers: Loan information presented on the website of The Honesdale National Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.
Deposit information presented on the website of The Honesdale National Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.
Facts, data, & other information presented on The Honesdale National Bank website pages are provided directly by The Honesdale National Bank.
The Honesdale National Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.
In compliance with the Children's Online Privacy Protection Act, The Honesdale National Bank does not collect any personal information from children under the age of 13.

In Case of Errors or Questions About Your Electronic Transfers
Telephone us at (570) 253-3355 or Write us at
The Honesdale National Bank
724 Main Street, P.O. Box 350
Honesdale, PA 18431-0350
As soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
1. Tell us your name and account number.
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the above telephone number to find out whether or not the deposit has been made.
ELECTRONIC FUND TRANSFERS - YOUR RIGHTS AND RESPONSIBILITIES
The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.
TRANSFER TYPES AND LIMITATIONS
Terminal Transfers
You may use NET TELLER and Bill Payer, The Honesdale National Bank’s Online Banking Service, to make transfers of funds between checking and savings accounts upon request. Businesses may be approved to initiate electronic fund transfers to third parties.
Prearranged Transfers
You may arrange for us to accept certain direct deposits to your checking account or savings account, pay certain recurring bills from your checking account in the amounts and on the days you request or pay certain recurring bills to The Honesdale National Bank from your savings account in the amounts and on the days you request.
Limitations on Frequency of Transfers
Transfers from a money market deposit account or a savings account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per month or statement cycle with no more than three by check, debit card or similar order to third parties.
For security reasons, there are other limits on the number of transfers you can make in NET TELLER.
DOCUMENTATION
Terminal Transfers
You should print a confirmation at the time you make any transfer to or from your account using NET TELLER.
Preauthorized Credits
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can view the deposit in NET TELLER to find out whether or not the deposit has been made.
In Addition
You will get a monthly account statement from us.
PREAUTHORIZED PAYMENTS
Right to Stop Payment and Procedures for Doing So
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. To stop one of these payments -
For payments made using our Bill Payer Service:
You may add, edit, or delete a payment up to 3:00 AM EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 AM EST and 1:00 PM EST it may be edited up until 1:00 PM EST.
For all other payments:
Call or write us at the telephone number or address listed below in this disclosure, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Notice of Varying Amounts
If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
Liability for Failure to Stop Payment of Preauthorized Transfers
If you order us to stop one of these payments 3 business days before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages with the exception of payments scheduled and /or initiated through our NET TELLER Bill Payer service. NET TELLER Bill Pay initiated transfers and payments are the sole responsibility of the NET TELLER Bill Pay customer.
FINANCIAL INSTITUTION'S LIABILITY
Liability for Failure to Make Transfers
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer
- If the transfer would go over the credit limit on your overdraft line
- If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
- If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
- There may be other exceptions stated in our agreement with you
CONFIDENTIALITY
We will disclose information to third parties about your account or the transfers you make: - Where it is necessary for completing transfers; or
- In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
- In order to comply with government agency or court orders or;
- If you give us written permission
UNAUTHORIZED TRANSFERS
Consumer Liability
Tell us AT ONCE if you believe an unauthorized electronic transfer has been made. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone initiated an electronic transfer without your permission. (If you believe your user ID# and/or PIN has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your user ID# and/or PIN without your permission.)
If you do NOT tell us within 2 business days after you learn of the loss or theft of your user ID# and/or PIN and we can prove we could have stopped someone from using your user ID# and/or PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement 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.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
Contact in event of unauthorized transfer
If you believe your user ID# and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this disclosure.
ERROR RESOLUTION NOTICE
In case of Errors or Questions About Your Electronic Transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the statement on which the problem or error appeared.
1. Tell us your name and account number (if any)
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information
3. Tell us the dollar amount of the suspected error
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, an internet transaction, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.

The Honesdale National Bank
Attention: Bookkeeping
PO Box 350 - 724 Main Street
Honesdale, PA 18431
570-253-3355 or 1-800-462-9515
Everyday is a business day except Saturdays, Sundays, and Federal Holidays

AGREEMENTS, DISCLOSURES AND POLICIES
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
At The Honesdale National Bank we are committed to providing you with superior financial products and services, along with the peace of mind of knowing that your personal information is secure. It is our privilege to serve your financial needs and we value the trust you have placed in us. We understand your concerns about guarding information about you and your account and want to assure you that we have taken steps, and will continue to take steps, to safeguard your information. This Privacy Policy describes our efforts to meet these objectives. The Honesdale National Bank collects nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from a consumer reporting agency;
- Information we receive about you from our affiliates
The Honesdale National Bank does not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
There are, however, circumstances in which we may share the information we collect about you, as described above, with other companies in order to provide you with access to products and services and to service your account effectively. We contractually require these companies to adhere to our privacy standards and to use this information only for the limited purpose for which it was shared. We do not allow them to disclose it to others. In addition, we may share information with affiliates of The Honesdale National Bank, such as other companies owned by HONAT Bancorp, Inc., the bank holding company of The Honesdale National Bank, except for information from credit reporting agencies.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Electronic Privacy Policy
The Honesdale National Bank respects your privacy. Through our Website, we strive to provide valuable information to you about how we may serve you. Whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services Our website does not require you to disclose any personally identifying information. If, however, you chose to contact us via Email, please keep in mind that your Email address and any other information in your Email header will be revealed to us in the Email message. We pledge, however, that when you communicate with us via Email, we will use your Email information only for the specific purpose of responding to your comments, questions or forms. Your Email address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.
Cookies, (small electronic files placed on your computer), are used by our website to estimate our audience size. Each browser accessing our site is given a unique cookie which is then used to determine whether a user is a first time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.
We reserve the right to change this policy at any time by posting a new Electronic Privacy Policy.
Information Security - Account Hijacking
The Honesdale National Bank will never request sensitive information from ANYONE via Email.
We want to keep you informed of some scams that are currently active on the internet that affect your privacy and your account information. According to the FDIC account hijacking is the presently the fastest growing form of identity theft. Account hijacking is the unauthorized access and misuse of existing banking account information, primarily through "Phishing" attacks. A classic Phishing attack involves a deceptive Email purporting to be from a legitimate financial institution, which typically tells a customer that there is some sort of problem with the customer's account. The Email usually includes a hyperlink to a "spoofed," or fake, Web site that looks exactly like the site of a legitimate financial institution with which the consumer does business. The Email then typically instructs the recipient to click on the included hyperlink, go to the financial institution Web site, and log in using the customer's user name and password in order to "fix" the problem. In reality, the spoofed Web site is simply collecting customer user names and passwords in order to highjack accounts. Never respond to Email asking you to verify Bank Account information or click on links in an email message, even if it looks like it is from The Honesdale National Bank. The Honesdale National Bank will never request sensitive information from ANYONE via Email. If you have any question about the legitimacy of an email that looks to be from The Honesdale National Bank, please contact your local branch.
THE HONESDALE NATIONAL BANK NET TELLER INTERNET BANKING AGREEMENT
This Agreement describes your rights and obligations as a user of the Home Banking Service, as well as the rights and obligations of The Honesdale National Bank. Please read this Agreement carefully. By requesting and using this service, you agree to comply with this Agreement.
THE FOLLOWING DEFINITIONS APPLY IN THE AGREEMENT 1. “Net Teller” – The Honesdale National Bank Internet Banking Service 2. “Home Banking” is the Internet-based service providing access to your HNB Account(s). 3. “Home Banking Account” is an HNB account from which you will be conducting transactions using an Internet-based Service. 4. “PASSWORD” is for use during the initial sign-on, or the PASSWORD you select after the initial sign-on, that establishes your connection to the Service. 5. “Time of Day” references are to Eastern Standard Time or Eastern Daylight Time as applicable. 6. “We” refers to The Honesdale National Bank which offers and provides the services.
ACCESS TO SERVICES
We will provide instructions on how to use our Net Teller Internet Banking Service. You will gain access to your Account(s) through the use of your Internet-enabled device, your Internet Service Provider (ISP), your Net Teller ID# and Password.
IF YOUR PASSWORD HAS BEEN LOST OR STOLEN
If your PASSWORD has been lost or stolen, call us immediately at (570) 253-3355 or 800.HNB.9515 from 8:30 A.M. to 4:00 P.M. Monday through Friday, excluding holidays. If you believe your PASSWORD has been lost or stolen and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your PASSWORD without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PASSWORD and we can prove we could have stopped someone from using your PASSWORD without your permission had you told us, you could lose as much as $500.
BANKING TRANSACTIONS WITH NET TELLER HOME BANKING
In addition to viewing account information, you may use NET TELLER Home Banking to transfer funds between your NET TELLER account(s), make loan payments, stop payments, and order checks. Refer to Electronic Funds Transfers (EFT) disclosure for certain restrictions regarding transfers. New services may be introduced for NET TELLER Internet Banking from time to time. By using these services when they become available, you agree to be bound by the rules which will be made available to you concerning these services.
HOURS OF OPERATION
The services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, our business days are Monday through Friday, excluding holidays. All NET TELLER Internet Banking transaction requests received after 6:00 P.M. on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which we are closed, will be processed on the next business day. Business day begins at 8:30 A.M.
MODIFICATIONS TO THIS AGREEMENT
We may modify the terms and conditions applicable to services from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records and the revised terms and conditions shall be effective at the earliest date allowed by law. We reserve the right to terminate this Agreement and your use of the services in whole or in part at any time without prior notice.
STATEMENTS
You will continue to receive your regular account statement monthly. You may choose to receive an electronic version using eDocs.
DISCLOSURE OF INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:
When it is necessary for completing transfers
In order to verify the existence and condition of your account for a third Party, such as a credit bureau or merchant
In order to comply with government or court orders, or other reporting requirements
If you give us your written permission
INACTIVITY AND TERMINATION
You are responsible for complying with this Agreement and with the terms of the Agreement governing deposit or loan accounts which you access using electronic banking services. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not comply with the Agreement governing your deposit or loan accounts or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services.
If you are not paying a monthly service charge for the service, we may convert your account to inactive status if you do not sign on to the service or have any transaction scheduled through the service during any consecutive 90 day period. If your account is considered inactive, you must contact us to have the service activated before you will be able to schedule any transaction through the service.
To cancel the NET TELLER Home Banking Service, you must notify us in writing stating you are discontinuing NET TELLER Home Banking and provide your name, address, and the effective date to stop the service. You may notify us by one of the following methods:
By sending an Email by using the Email feature on your Net Teller page By sending us an Email using the Secure Email Feature on The Honesdale National Bank’s “Contact Us” Webpage By writing a letter and delivering it to a Customer Service Representative or Branch Manager at any HNB Office, or
By mailing a letter to us at: The Honesdale National Bank, P. O. Box 350, Honesdale, PA 18431.
GOVERNING LAW
This Agreement is governed by the laws of the Commonwealth of Pennsylvania and applicable federal law.
FEE SCHEDULE Fees for The Honesdale National Bank
Continuous Overdraft Fee, $3.00 per day
Overdraft Fee, per item - Checking & Savings: $30.00 per item
Stop Payment Fee: $20.00 per item
Telephone Transfer Fee: $3.00 per transfer
THE HONESDALE NATIONAL BANK BILL PAYMENT SERVICE AGREEMENT
Bill Payment Service may be provided through a third party or affiliate. This Agreement describes your rights and obligations as a user of the Bill Payment Service, as well as the rights and obligations of The Honesdale National Bank. Please read this Agreement carefully. By requesting and using this service, you agree to comply with this Agreement.
THE FOLLOWING DEFINITIONS APPLY IN THIS AGREEMENT
“BPSP” – Bill Payment Service Provider.
“Bill Payment” is the Internet-based service providing access to your bill payment account.
“Bill Payment Account” is a HNB Checking Account from which you will be conducting transactions using an Internet-based service.
“PSC” – Personal Security Code. PSC is for use during the initial sign-on that establishes your connection to the service.
“Time of Day” references are to Eastern Standard Time or Eastern Daylight Time, as applicable.
“We” refers to The Honesdale National Bank which offers the services and which holds the services.
ACCESS TO SERVICES
We will provide instructions on how to use the Bill Payment Service. You will gain access to your Bill Pay account through the use of your Internet-enabled device, your Internet Service Provider (ISP)and your NET TELLER ID# and PASSWORD.
BILL PAYMENT SERVICE
The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties. Your Bill Payment Account must be an HNB Checking Account. All payments you make will be deducted from the account you designate as your Bill Payment Account for the Bill Payment Service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, government payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls over a weekend, funds must available in your Bill Pay Account on Friday. Any new payments scheduled over a weekend will be processed on Sunday night. If the date you scheduled a payment to be initiated falls on a holiday, funds must be available the day following the holiday. Your BPSP may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule payments to recur in the same amount weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually, and annually. You should schedule a payment to a new payee at least five (5) business days before any payment due date for check payment, or three (3) business days before any payment due date for electronic payment.
For all subsequent check payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date. For all subsequent electronic payments, you agree to allow at least three (3) business days between the date you schedule a payment to be initiated and the payment due date, that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period. You will be responsible for all late fees, finance charges, or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, notify your BPSP directly.
We will not be liable for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee’s address or account number, for the failure of any payee to correctly account for or timely credit the payment, or for any other circumstances beyond our control.
If the session during which you schedule a payment ends by 11:00 P.M., Sunday through Friday, it will be considered to have been received on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking Service controls. If your Bill Payment debit is received at The Honesdale National Bank and there are insufficient funds to cover the payment, The Honesdale National Bank will return the payment to the BPSP. An overdraft fee will be assessed per item by The Honesdale National Bank, as set in the fee schedule relating to your account. When payment is returned to the BPSP, a block will automatically be placed on all accounts. No additional payments will be processed until the account is properly funded and the return is cleared. If a Bill Pay Return is received on a blocked account, the BPSP sends a letter stating that the payment will not be processed and a copy is sent to The Honesdale National Bank.
The way to add, edit or delete a payment is to use the service. You may add, edit, or delete payments scheduled Sunday through Friday until 11:00 P.M. the day before the scheduled payment date. If you wish to stop a payment after it is issued, you must call the BPSP. Stop payment fee may apply, as set in the fee schedule.
TERMINATION
You are responsible for complying with this Agreement and with the terms of the Agreement governing deposits which you access using Bill Payment Services. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not comply with the Agreement governing your deposit accounts or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services.
If you are not paying a monthly service charge for the service, we may convert your account to inactive status if you do not sign on to the service or have any transaction scheduled through the service during any consecutive 90 day period
To cancel the NET TELLER Bill Payment Service, you must notify us in writing stating you are discontinuing NET TELLER Bill Payment Service and provide your name, account number, address, and the effective date to stop the service. Send to: The Honesdale National Bank, Bill Payment Service, P. O. Box 350, Honesdale, PA 18431.
ELECTRONIC MAIL
If you send us an electronic mail message we will be deemed to have received it on the following business day. We will have a reasonable time to act on your Email. You should NOT rely on electronic mail if you need to communicate with us immediately.
OTHER AGREEMENTS
In addition to these Agreements, you agree to be bound by and comply with the requirements of the Agreements applicable to each of your Online accounts. Your use of the Home Banking Service or the Bill Payment Service is your acknowledgement that you have received these Agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of the Agreement. We will automatically deduct the fees related to this service from your Bill Pay Account the month after they have occurred.

THE HONESDALE NATIONAL BANK eDOCS DISCLOSURE
Electronic Statements/Notices Delivery Agreement
By checking the box in front of “I agree to the listed terms” and clicking the “Enroll Now” button the customer agrees to the following:

I have the authority to enter in to agreements for the accounts listed in Netteller.
I am requesting to make Statements/Notices available electronically and understand these documents will no longer be sent in paper form for the accounts I have selected. I agree to maintain my valid email address in my Netteller account listed under the Options tab.
I understand an email will be sent to the email address in Netteller listed under the Options tab when the Statements/Notices are available for download and the statements will be available for 60 days and the notices for 30 days. Statements in a different format can be accessed in Netteller for up to 12 months.
I understand I must have Adobe Acrobat Reader version 6.0 or greater to view the Statements/Notices and I can save them in PDF format or print out on paper.
I understand the service providing Electronic Statements/Notices is generally available 24 hours a day, 7 days a week; however, this service may be unavailable from time to time for routine software and hardware maintenance or due to unscheduled down time.
I can un-enroll specific statements or notices or from the entire service at any time by sign on to Net Teller, Internet Banking, select the eDocs tab; select Documents & Settings and deselect each account or notice by removing the check mark in the appropriate box.
I understand during the time that statements and notices are available to me through e-Doc (60 days for statements and 30 days for notices) I can request a paper copy and it will be provided at no charge. Older items will be available at a charge as disclosed under the terms and conditions as provided in the new account disclosure.
I understand this agreement may be amended by The Honesdale National Bank at any time at its discretion and I will receive any notice of amendments required by law.

The Honesdale National Bank Regulation CC Disclosure
FUNDS AVAILABILITY POLICY DISCLOSURE
PURPOSE OF THIS DISCLOSURE
The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. This is our Funds Availability Policy. In summary our policy is to make your funds available on the first Business Day after the day of deposit. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy. For purposes of this disclosure, the terms "you'T'your" refer to the customer and the terms "our"/"we"/"us" refer to The Honesdale National Bank.
Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.
DETERMINING THE AVAILABILITY OF YOUR DEPOSIT
The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the term "Banking Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.
If you make a deposit before 4:00 pm on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 pm or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.
AVAILABILITY SCHEDULE
Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use them to pay checks that you have written.
HOLDS ON OTHER FUNDS FOR CHECK CASHING
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and we decided to delay availability on the deposit.
HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT
If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited and we decided to delay availability on the deposit.
LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check that you deposit, funds may not be available until the fifth Business Day after the day of your deposit. The first $100.00 of your deposits, however, may be available on the first Business Day.
If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,000 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.
We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.
SPECIAL RULES FOR NEW ACCOUNTS
If you are a new customer, the following special rules may apply during the first 30 days your account is opened. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second Business Day after the day of deposit.
Funds from deposits of local checks that are not otherwise required to be made available on the first Business Day after the day of deposit will be available on the first Business Day after the day of your deposit. Funds from deposits of nonlocal checks will be available on the ninth Business Day after the day of your deposit.
To determine whether a check is a local or a nonlocal check, look at the routing number on the check. If the first four digits of the routing number are
01100111 0112011301140115011601170118011902100211 021202130214021502160219022002230260028003100311 0312 0313 0319 0360 0410 0412 0420 0421 0422 0423 0430 0432 0433 0434 0440 0441 0442 0510 0514 0515 0519 0520 0521 0522 0540 0550 0560 0570 0710 0711 0712 0719 0720 0724 0730 0739 0740 0749 0750 0759 0813 0830 0839 0863 0910 0911 0912 0913 0914 0915 0918 091909200921 09290960 1010 1011 1012 1019 1020 1021 10221023 1030 1031 1039 10401041 1049107011101111 111311191120 1122 1123 1130 1131 1140 11491163 1210 1211 1212 1213 1220 1221 1222 12231224 12301231 1232123312401241 124212431250 1251 125221102111 2112211321142115211621172118211922102211 22122213221422152216221922202223226022802310 2311 2312 2313 2319 2360 2410 2412 2420 2421 2422 2423 2430 2432 2433 2434 2440 2441 2442 2510 2514 2515 2519 2520 2521 2522 2540 2550 2560 2570 2710 2711 2712 2719 2720 2724 2730 2739 2740 2749 2750 2759 2813 2830 2839 2863 2910 2911 2912 2913 2914 29152918291929202921 2929296030103011 3012301930203021 3022302330303031 303930403041 3049307031103111 3113 3119 3120 3122 3123 3130 3131 3140 3149 3163 3210 3211 3212 3213 3220 3221 3222 3223 3224 3230 3231 3232 3233 3240 3241 3242 3243 3250 3251 3252
then the check is a LOCAL check. If the check has routing numbers other than those shown above, the check is a NONLOCAL check. Some checks are marked "payable through" and have a four- or nine- digit number nearby. For these checks, use the four-digit number (or the first four digits of the nine-digit number) not the routing number on the bottom of the check, to determine if these checks are local or nonlocal.
DEPOSITS AT AUTOMATED TELLER MACHINES
We only allow deposits to be made at ATMs that we own or operate. A list of our ATMs is enclosed.
ADDITIONAL DEPOSIT INFORMATION
Deposits are accepted at The Honesdale National Bank ATMs listed below:
Main Street Office Drive Up 8th & Church Streets Honesdale, PA 18431
Route 6 Plaza Office 1207 Texas Palmyra Hwy Honesdale, PA 18431
Lake Wallenpaupack Office, Route 6, Hawley, PA 18428
Hamlin Office 559 Hamlin Hwy Hamlin, PA 18427

The Honesdale National Bank
724 Main Street, PO Box 350 Honesdale, PA 18431
(570)-253-3355 / hnb@hnbbank.com / www.hnbbank.com
Important Information About Your Account Substitute Checks and Your Rights
What Is a Substitute Check?
To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You 8can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check.
Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.
What Are My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.
If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.
How Do I Make a Claim for a Refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please call us at: (570-253-3355, ext. 1400 or write to us at:

The Honesdale National Bank
Attn: Bookkeeping
PO Box 350
Honesdale, PA 18431
You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:
- A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
- An estimate of the amount of your loss;
- An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
- A copy of the substitute check and/or the following information to help us identify the substitute check such as the check number, the name of the person to whom you wrote the check, the amount of the check.

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