Disclosures

Online Banking Agreement

This Agreement governs the use of the New Horizon Bank Online Banking Services and is made and entered into by and between New Horizon Bank ("Bank"), also referred to as "we" and each person who signs the Bank's signature card for the Account being accessed or is referenced on the Bank's records as an owner of the Account, or each party whose signature appears on a credit line application "Customer", also referred to as "you". Each customer on the account is jointly liable for all transactions initiated through Online Banking Services, including overdrafts, even if the customer did not participate in the transaction, which resulted in the overdraft. The term "Services" may include Online Banking, Online Bill Payment, eStatements, Mobile Banking, and/or Mobile Deposit.

Online Banking Agreement / Disclosure

Children Visiting Our Website

Our website is directed at customers and potential customers, most of whom are adults. However, children may access our website and provide information. For example, they may request information concerning our products and services or use links provided to outside websites. Should children access our website, we are confident that parents will not judge any of the information provided as objectionable for viewing by their children. Parents can utilize various software packages that are available to prevent their children from accessing websites which they deem to be inappropriate. Parents can choose to utilize this and other methods to limit the websites to which their children have access.

Unlawful Internet Gambling Enforcement Act

Transactions restricted by the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) are prohibited from being processed through commercial accounts. This prohibition became effective on December 1, 2009. Additional information can be obtained by calling 804-302-4858.