ADAMS COUNTY NATIONAL BANK INTERNET BANKING SERVICE AGREEMENT AND DISCLOSURE STATEMENT

This Agreement and Disclosure Statement sets forth the terms and conditions of Adams County National Bank (hereinafter referred to as the "Bank") Internet Banking Service (hereinafter referred to as the "Service").

The Bank offers the Service to retail customers, as well as offers Internet Bill Payment and other associated services, as appropriate at the current time or in the future. Your use of the Service is governed by this Agreement, your registration form for the Service, any instructions we provide you on using the Service, and any other agreements applicable to the deposit or loan accounts you access through the Service, as may be amended from time to time.

Account Access

With the submission of this Internet Banking Registration Form, you are authorizing the Bank to provide access to all of your related accounts that are eligible for the service at the present and inclusive of all future eligible accounts.

Security and Protecting Your Accounts

When you access the Service using your User ID and Password, you authorize the Bank to follow the instructions we receive concerning your accounts and to credit and/or debit your accounts according to those instructions. Since your password protects access to your accounts, you agree that you will not share your password or make it available to another individual. However, if you should share your password or make it available to another individual, you are responsible and authorize that individual to access your accounts and to give us instructions relating to your accounts as an authorized user. You also authorize us to comply with those instructions even if that individual exceeds your authorization. If you share your password or make it available to another individual, the only way that you can restore the security of your accounts is to change your password.

Fees

There is no fee assessed by the Bank to use the Internet Banking Service.

There may be fees associated with other Internet Banking services available either at the current time or in the future. Further, at the discretion of Adams County National Bank, new service fees may be instituted in the future and all service fees are subject to change.