Home Loan Investment Bank, FSB
ONLINE PERSONAL BANKING AGREEMENT

DISCLOSURE STATEMENT OF TERMS AND CONDITIONS

Print Disclosure

OVERVIEW OF AGREEMENT

This Agreement outlines the terms and conditions that apply when you use Home Loan Investment Bank's ONLINE BANKING SERVICE. The terms of this Agreement are in addition to those terms applying to any accounts you have with Home Loan Investment Bank. As an authorized account holder you must abide at all times with the terms and conditions described in this Agreement, in addition to abiding at all times with the conditions described to you at account opening. Please read this Agreement carefully, and contact Home Loan Investment Bank with any questions or comments.

The ONLINE BANKING SERVICE allows you to view your account history information, check your balances, and transfer funds between your accounts.

AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By clicking the acceptance button, you agree to receive online banking services information in an electronic form. You further agree to receive revisions and amendments in electronic form. If you accept this Agreement, you consent to be governed by the Agreement for all future online transactions conducted with Home Loan Investment Bank, FSB. At any time you may contact Home Loan Investment Bank to withdraw permission to receive information electronically, to terminate online banking services, to update any information about you, such as to change your electronic mail address or to obtain a paper copy of any disclosure or agreement free of charge. To do so, contact Home Loan Investment Bank at
1-888-500-6025, or write to:

Home Loan Investment Bank, FSB
Online Banking Unit
One Home Loan Plaza
Warwick, RI 02886-1765

ACCESS TO ONLINE BANKING SERVICES
You must sign up for the service to become eligible for Home Loan Investment Bank's ONLINE BANKING SERVICE. Once this has been completed, we will provide you with instructions, separate from this Agreement, on how to conduct transactions using the ONLINE BANKING SERVICE. Subject to applicable laws and regulations, we may terminate, suspend or limit your access privileges to the ONLINE BANKING SERVICE, at our sole discretion, at any time without prior notice or refund of previously incurred fees, if applicable. Access into the ONLINE BANKING SERVICE will be governed by your use of a User ID and password. We disclaim all warranties regarding the use of Home Loan Investment Bank's ONLINE BANKING SERVICE, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

EQUIPMENT REQUIREMENTS

You agree to be responsible for access to Home Loan Investment Bank's web site and ONLINE BANKING SERVICE through the public Internet and through the use of a browser. The installation, maintenance and operation of your equipment, including but not limited to, your computer, modem, any software, and Internet access through an Internet access provider shall be your responsibility. We are not responsible for any errors or failures from any malfunction of your equipment or software, and we are not responsible for any computer virus, "spyware", related public network problems, or failure or loss caused by incompatibility with our system.

ONLINE PERSONAL BANKING TRANSACTIONS

You have the ability to view your balance and account history information, transfer funds among your qualifying accounts to the extent authorized, and obtain other services and perform other transactions as we may authorize. We shall provide you with all applicable disclosures and transaction guidelines at the time of account opening.

HOURS OF AVAILABILITY

The ONLINE BANKING SERVICE shall be available at all times 24 hours-per-day and 7 days per week. Occasional maintenance and upgrades are conducted, unannounced, but which are routinely scheduled during early Monday mornings after 12:00 AM.

SECURITY PROTECTION PROCEDURES

Home Loan Investment Bank maintains a comprehensive Information Security Risk Program. This Program is governed by strict regulatory guidelines and includes written plans and procedures for access control, customer account protection, security breach prevention and incident response, disaster preparedness, and guidelines for intrusion detection and firewall screening. Home Loan Investment Bank shall utilize at all times the highest industry safeguards for secure data transfer, including transferring all customer financial information encrypted with Secure Sockets Layer (SSL) protocol and connection to a host server certified as a 128-bit secure server. We take seriously our responsibility to protect our customers' account information.

It is important that you take measures to protect your account. Do not allow anyone to gain access to your ONLINE BANKING SERVICE account, or provide anyone with your User ID or Password used to access Home Loan Investment Bank's ONLINE BANKING SERVICE. You agree to assume responsibility for all transactions initiated through the ONLINE BANKING SERVICE using your User ID and Password. You agree to notify Home Loan Investment Bank immediately if the security or confidentiality of your customer account information has been compromised or breached in any way, and you agree to frequently change your account Password to ensure the confidentiality and protection of your information. Finally, you agree to take precautions to avoid becoming a victim of identity theft, and to use caution to avoid acts of Internet fraud, such as "phishing", which results from cyberfraud instances of being directed to fraudulent web sites.

COMPLAINT OR DISPUTE PROCESS AND NOTIFICATION

For any consumer complaint, we may require that you send the complaint or question in writing within a reasonable period, which shall be ten (10) business days from your initial contact with Home Loan Investment Bank notifying us of the complaint. For any complaint or question related to your use of the ONLINE BANKING SERVICE we will notify you with the results of our investigation within ten (10) business days after you contact us in writing, and we shall make every effort to satisfactorily correct and resolve any errors promptly. If more time is needed, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or to interview affected parties and gather supporting information. Should this occur, we shall credit your account within ten (10) business days for the amount that you believe is in error. If there is a conflict or dispute with the ONLINE BANKING SERVICE Agreement, it is agreed that the terms of the Agreement shall prevail.

DISCLOSURE OF CUSTOMER ACCOUNT INFORMATION TO OTHERS

Home Loan Investment Bank promotes the highest level of customer information security and confidentiality. However, in certain instances we are required to disclose customer information when it is necessary to comply with any law, court order, or proper law enforcement or government requests, such as subpoenas, federal tax information, bank examinations, and reports of unusual currency transactions or suspected violations of law. We may disclose information to third parties if we must take legal action against you, such as to disclose information to collection attorneys.

OUR LIABILITY

Home Loan Investment Bank's liability shall be limited to that which is expressly set forth herein. Under no circumstances shall Home Loan Investment Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge the limit of your remedy is as otherwise expressly set forth herein.

Home Loan Investment Bank shall be responsible for your actual losses if it is determined your loss was directly caused by our failure to complete an electronic funds transfer in the manner properly requested by you, or if we fail to cancel an electronic funds transfer when it was timely and properly requested by you. Under no circumstances shall Home Loan Investment Bank be held liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

YOUR LIABILITY

We will not be liable if, through no fault of ours, you do not have enough available funds in your account, or if we reasonably suspect fraud, illegal activity, or in instances where circumstances beyond our control prevent the transaction from taking place (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) despite our having taken reasonable precautions. We will not be liable if there is a hold placed on your account, or if access to your account has been blocked in accordance with banking policy or law; or if your funds are subject to legal process or other encumbrance restricting the transfer, as per the guidelines set forth at your account opening. As noted in previous sections, you agree to promptly notify Home Loan Investment Bank in any instance involving identity theft, or where you believe someone has accessed your accounts without your permission.

DISCLOSURE OF PRODUCT TERMS, RATES AND FEES

All terms, rates, applicable fees and conditions of our products shall be thoroughly disclosed to you at account opening. Disclosures shall include the terms and rates for products governed by the Truth in Savings Act, Regulation DD; and for products and transactions governed by Regulation E, Electronic Funds Transfer.

COPYRIGHT AND TRADEMARK NOTICE

The images, text, screens, design, and web page displays appearing on Home Loan Investment Bank's Internet site are owned by us, or others, as indicated and are protected by copyright laws. You agree not to copy, display, distribute, download, license, sub-license, modify, repost, reproduce, reuse, sell, transmit, create any derivative work from, or otherwise use for public or commercial purposes, any information or materials from Home Loan Investment Bank's site, except as provided in the ONLINE BANKING SERVICE Agreement, without the express written permission of Home Loan Investment Bank. Unless otherwise noted, all other trademarks, service marks, and logos used on this site are the property and trademark, service mark, or logo of Home Loan Investment Bank, or others as indicated.

GOVERNING LAW

This Agreement shall be governed by the laws of the jurisdiction in which Home Loan Investment Bank, FSB is located, and shall be governed by applicable Federal banking laws and regulations affecting savings associations regulated by the U.S. Department of Treasury's Office of the Comptroller of the Currency (OCC).

*****************************************************************

USA PATRIOT ACT STATEMENT

To assist the government in prohibiting the funding of terrorism and money laundering activities, we are required to verify information that identifies each person who opens an account. When you open an account with us, your name is required to be matched against a computerized list of persons wanted by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC). Home Loan Investment Bank conducts this review at the time you open an account with us, and there is no inconvenience to our customers and consumers. We thank you for your understanding and for joining us in securing a safer tomorrow.