TERMS OF SERVICE for Use of this Site

Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site. Union Savings Bank reserves the right to modify these Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Third-Party Sites

This site contains links to other Internet Web sites ("Third-party Sites") that are not maintained by Union Savings Bank. These links are provided solely for your convenience. Union Savings Bank makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Your Responsibility

You are responsible for all transfers and bill payments you authorize using the service. If you permit other persons, or other entities, to use the service by providing your login information, you are responsible for any transactions they authorize from your stored payment accounts. You should notify us immediately if you believe any of your accounts have been accessed or your login information has been taken or used without your permission.

Our Responsibility

Union Savings Bank, or a third party acting as our agent, is responsible for completing payments on time and according to your properly entered and transmitted instruction. However, neither we, nor the Service Provider will be liable:

• If you do not have adequate money in a deposit account or if that account has been closed;
• If you have not properly followed service instructions on how to make a payment;
• If you have not given complete, correct and current instructions so that a payment can be made;
• If you do not authorize a payment soon enough for your payment to be made and properly credited by the time it is due;
• If you request a payment amount that exceeds the minimum or maximum dollar limit for an individual payment;
• If we or our agent reasonably believes that a transaction may be unauthorized and based thereon the transaction is not completed;
• If your equipment and/or the software were not working properly and this problem should have been apparent to you when you attempted to authorize a transfer or bill payment;
• If circumstances beyond our or our agent's control prevent making a payment, despite reasonable precautions that we have taken. Such circumstances include but are not limited to computer failure, telecommunication outages, strikes and other labor unrest, delays caused by fires, floods, and other natural disasters.

Privacy & Security

Please review our Privacy Policy, which also governs your visit to this web site.

Password Registration

Some Union Savings Bank Web sites are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing Union Savings Bank sites requiring a User ID and password, you agree that:

· Union Savings Bank is entitled to act on instructions received under your User ID and password.

· Union Savings Bank is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Union Savings Bank.

· You will keep your password confidential and you will notify Union Savings Bank immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.

· Union Savings Bank may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Email

A valid email address is required to use the service. It is your responsibility to ensure we have a valid email address at all times. You can update your email address on the Internet after logging in to the service, or by calling the Customer Service phone number at 513-247-0303 or 800-582-9702, or by e-mailing us at loanservicing@usavingsbank.com

You can use electronic mail (e-mail) to contact us about inquiries, maintenance and/or problem resolution issues. E-mail is not a secure method of communication over the Internet and we recommend you do not send confidential information by email.

Fees

Customers utilizing this service will be charged a processing fee of $1.00 for making payments through this service. You may also be charged a fee for any payments that are returned due to insufficient funds or any other reason. We reserve the right to collect such fees in any manner deemed appropriate.

Business Hours

Although bill payment transactions will only be processed on business days, you can access these services 24 hours a day, seven days a week, except during any scheduled maintenance periods. Business days for payment transactions are defined as Monday through Friday except Federal bank holidays. After 6:00 p.m. Eastern Time, transactions are processed the following business day.

Disclaimer of Warranty

The content and materials in this site are provided "as is" and without representations or warranties of any kind, either expressed or implied. Union Savings Bank expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Union Savings Bank does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Union Savings Bank are free of viruses or other harmful components. The user should consult their own legal advisor regarding the applicability of state statutes regarding limitations on liability. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

Union Savings Bank shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Union Savings Bank, the unauthorized access to or alteration of your transmissions or data, even if Union Savings Bank has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Should any provision of these Terms of Service/Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Trademarks and Copyrights

Except as otherwise indicated, information on this web site is protected by copyright in the United States of America and in other countries. Any authorized person may view the information (and incidentally create an electronic copy of the information) available from this Web site for informational purposes only. No part of the information at this Web site can be otherwise redistributed, copied, or reproduced in any form without prior written consent of the owner.

The posting of information or other materials to this web site does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyright, service marks, trademarks, trade names, or other intellectual property) and does not transfer any rights to a user of the web site or any other third party, except as expressly provided herein.