Customer Online Access Agreement for NorthSide Bank

This is the agreement for your NorthSide Bank Online Banking Services and it includes certain disclosures for electronic fund transfers. This agreement is in addition to other agreements between us, including your current, savings, and other deposit account agreements (which are covered in the Terms and Conditions section on our website). If there is a conflict between the terms and conditions of this agreement and one contained in the other agreements between us, this agreement will control.

In this agreement, the words "Bank," "we," "us" or "our" mean NorthSide Bank and its successors or assigns. When we use the words, "you" or "your" we mean each person who has an interest in an account or other relationship which is accessible through the NorthSide Bank Online Banking Services and any person authorized such access. NorthSide Bank Online Banking Services (Services) means that information, communication and transactions provided to you by us through any non-branch remote channel, including the NorthSide Bank web site, www.northsidebankga.com (Site), including, but not limited to, the following; account information, funds transfers and stop payments, statement/transaction inquiries and downloads, and check order(s) for account(s) established at a branch or at an affiliate of the Bank.

When you use our Services or you permit any other person to use our Services, you agree to the terms and conditions we have set out in this agreement and any instructional material which we provide you regarding the Services. Your use of the Services may be made by use of certain numbers, codes, marks, signs, public keys or other means of establishing your identity and acceptance of the electronic communications which are acceptable to the Bank. All electronic communications that meet these requirements will be deemed to be valid and authentic and you intend and agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals or copies, absent proof of altered data or tampering.

1. Equipment and Software. The following device (Equipment) is required to access the Services: Personal computer and modem. If you access the Services by use of a personal computer, you agree: (1) to use Internet Services Provider software products (Software); (2) the Software, and any future upgrades, must be loaded and operational on your personal computer and you must use a modem to access the Services through the designated interface Equipment and Software; (3) as this service becomes available, to receive account information by electronic transmission of a visual display of the text. Contact customer service for available user guides for the Software. Any other software used by you in the future to access our system, if supported by us, will be provided and maintained by you at your expense.

2. Account Access. To have access to the Services you must be an authorized user of the Software you select, if required for use with the Equipment. You must also have at least one eligible deposit or credit account with us.

Eligible accounts are the following NorthSide Bank personal or business account types that you may request access to through the Available Services:

• Checking Account
• Savings Account
• Money Market Account
• Certificate of Deposit
• IRA
• Installment Loan
• Home Equity Line
• Line of Credit

3. Access Codes. During your use of the Services, you are required to enter:

• User Name
• Password

Additional numbers and words may be required depending on the Equipment and Software used. Use of these Access Codes is the agreed security procedure to access the Services through any of the Equipment. You agree to keep these numbers and codes confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of the Services. For security purposes we recommend that you do not use the same Access Codes you use on other bank products.

4. Available Services. Depending upon the particular features and the Equipment you select, you may be allowed access to the following Services by first entering your Access Codes:

(a) Account Information. You may obtain an account balance and summary information, uncollected funds information, cleared transactions detail for at least the current statement period.

(b) Internal Transfers and Payments. You may request to transfer funds to and from certain NorthSide Bank account(s). Transfer of funds between your NorthSide Bank account(s) may be limited to a per transaction monetary limit. Certain transfers will occur automatically. Other transfer requests, known as Advance Requests, are performed by Bank personnel upon proper verification. The restrictions on the number of withdrawals from your money market accounts apply to transfers from the accounts accessed through Online Banking.

If you agree to these terms, click on "I Agree" to continue with enrollment.