First National Bank of Oxford
Internet Banking Disclosure

By signing an application and enrollment form (the "Application") to subscribe to certain personal computer banking and related services offered by First National Bank of Oxford, Oxford, Mississippi, a Mississippi banking corporation, as described in this Service Agreement and Disclosure Statement (this "Agreement") and as otherwise made available by the Bank from time to time (collectively, "First National Bank of Oxford Internet banking service"), or by your initial access to First National Bank of Oxford Internet banking service, and in consideration of our allowing you access to First National Bank of Oxford Internet banking service, you agree to the terms and conditions of this Agreement. Each reference in this Agreement to the "Bank", "First National Bank of Oxford", "we", "us", or "our" refers to First National Bank of Oxford, a Mississippi banking corporation, and each reference to "you" and "your" refers to each depositor, borrower, authorized signer, or authorized user for an account (as defined below) who is now or hereafter enrolled in any one or more of the First National Bank of Oxford Internet banking services with respect to the account. Each time you use First National Bank of Oxford Internet banking services constitutes confirmation by you of your agreement to and understanding of the terms of this Agreement and any screens that appear on your computer when you sign on to First National Bank of Oxford Web Site. This agreement will be effective as of the date of our acceptance of this Agreement as evidenced by our issuance of a PIN to you as provided in Section 3. Please read this Agreement carefully and keep it for future reference.

BROWSER SECURITY. First National Bank of Oxford Internet Banking transmits data using SSL (Secure Socket Layer) technology that supports 128-bit key encryption. It is important to verify that a secure connection between your browser and the Internet Banking server has been established before transmitting any confidential account information over the Internet. This can be verified by an indicator on your web browser. Netscape Navigator has a key symbol that appears in the lower left corner of the screen. When the symbol appears "solid", transmitted data is being encrypted. When this symbol appears "broken", a secure session has not been established. Similarly, Microsoft Internet Explorer has a lock symbol that appears when data is being encrypted. When this symbol does not appear, a session is not secure.

HOST SECURITY. The First National Bank of Oxford web server does not connect directly to the Internet. It is buffered from the Internet through the use of a firewall. All access from outside the Bank must go through this firewall, which screens the request and allows only valid traffic to reach the server. First National Bank of Oxford's Internet Banking makes use of an ICSA certified firewall.

LINKS. Links to non-First National Bank of Oxford websites contained in this site are offered only as pointers to sources of information on subjects that may be of interest to users of the First National Bank of Oxford website, and First National Bank of Oxford is not responsible for the content of such sites as we have no control over what is displayed there. First National Bank of Oxford does not guarantee the authenticity of documents at such sites, and links to non-First National Bank of Oxford sites do not imply endorsement of or responsibility for the ideas, opinions, information, products, or services offered at such sites. Use of links to any non-First National Bank of Oxford site is solely at the user's own risk.

1. Hardware and Software Requirements. To be able to use First National Bank of Oxford Internet Banking, you must provide your own personal computer (a "PC") with a modem and related equipment (the "Hardware"). You must also provide the type of telephone service and Internet access service required by the Hardware and/or the Software. Once the Hardware has been properly connected to the telephone service, and any required Internet access has been established, you will be able to access the First National Bank of Oxford Internet services through the PC banking service provider (the "Service Provider") that will act as an interface between you and the Bank. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation and maintenance of the Hardware, the Software, the telephone service, and the Internet access service (if applicable) to your PC, and for all related costs. You are solely responsible for scanning the Hardware and the Software for computer viruses and other related problems before you use them.

2. The Accounts. Generally. You agree to use First National Bank of Oxford Internet banking solely for the services described in this Agreement and designated by you in the Application or subsequently designated by you as provided in Section 5, and solely in connection with each deposit account (collectively, the "Deposit Accounts") and each loan account (collectively, the "Credit Accounts") held by the Bank and designated by you in the Application or subsequently designated by you as described below (collectively, the "Accounts"), except as otherwise expressly provided in this Agreement or as otherwise expressly permitted by us from time to time. Under this Agreement, there may be multiple accounts. You may add any account for which you, or all of you if more than one, are depositor, borrower, authorized signer, or authorized user by notifying the Bank or by visiting any Bank branch office.

3. PASSWORD; Confidentiality of Password. All First National Bank of Oxford Internet banking transactions or inquiries must be initiated by use of your First National Bank of Oxford Internet banking password. We will assign a temporary password of your choosing after we have accepted your application. The first time you sign on First National Bank of Oxford Internet banking, you will be required to select a new password. You must change your password from time to time, as provided in the Software. It is recommended that you do not use your social security number, birthdays, names, or other codes that may be easy for others to determine as your password. No Bank employee will ever ask you for your password, nor should you provide it to anyone unless you intend to allow that person access to your accounts. YOU AGREE TO KEEP YOUR PASSWORD CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION OR REQUEST COMMUNICATED THROUGH FIRST NATIONAL BANK OF OXFORD INTERNET BANKING. You agree that any First National Bank of Oxford Internet Banking transaction or request initiated by use of the password will be subject to and governed by this Agreement.

If you authorize another person to use your password, that person can use First National Bank of Oxford Internet Banking to view any information or initiate any transaction on any of the accounts to the same extent as you, including viewing information or initiating transactions to which that person does not otherwise have access. As such, your sharing of your password is strongly discouraged by the Bank, and done at your sole risk and peril.

If a third party should gain access to your password, you alone are responsible for changing the password so as to deny the third party's access to your banking information. Given the electronic nature of these transactions, the Bank shall have no liability to you in the event a third party should gain access to your password through no fault of the Bank.

You should always log off First National Bank of Oxford Internet banking after you finish viewing your accounts. Never leave your computer unattended while accessing First National Bank of Oxford Internet banking services. If you should, a third party may be able to access your accounts from your terminal, without ever needing to use your password.

4. Business Days. Business days for the Bank and for First National Bank of Oxford Internet Banking services are Monday through Friday, excluding holidays. You may access the accounts through First National Bank of Oxford Internet Banking 24 hours a day, seven days a week, except that First National Bank of Oxford may perform regular maintenance on our systems or equipment, which may result in errors or interrupted service. We may also find it necessary to occasionally change the scope of our services. First National Bank of Oxford cannot guarantee that we will be able to provide notice of such interruption and changes, although we will attempt to provide such notice.

5. Online Services. You may use First National Bank of Oxford Internet Banking to perform any of the following services designated by you in the Application or subsequently added by you as provided below:

A. To transfer funds between any Deposit Accounts, such as checking,
savings, or money market deposit accounts;
B. To receive and download balance and transaction information for
First National Bank of Oxford accounts;
C. To pay bills electronically from a Deposit Account that is a checking account with unlimited check writing privileges;
D. To reorder checks for an Account you already have with us, in
the same style, sequence, and quantity as your most previous order;
E. To place stop payment orders on checks you have written on your
Accounts; and
F. To transmit e-mail to the Bank, all as described in this Agreement and the Software. You may sign up for or cancel any service by submitting an application online through secured e-mail or by visiting any of our branch locations. As used in this Agreement, the term "electronic funds transfer" has the meaning provided for that term in Regulation E and includes, without limitation, a bank transfer or bill payment (other than a bill payment made by check or other paper item), as these terms are defined below.

6. Transfers to and from Accounts

A. Deposit Accounts. You may use First National Bank of Oxford to initiate
electronic funds transfers from one Deposit Account that is a checking,
savings, or money market deposit account to any other Deposit Account
that is a checking, savings, or money market deposit account, as provided
in this Agreement. You may also use First National Bank of Oxford to initiate electronic funds transfers from a Deposit Account to make payments on your loans at First National Bank of Oxford. These types of transactions are referred to in this Agreement as "bank transfers".

B. Authorization. You expressly authorize us to debit the appropriate Deposit Account in the amount of any bank transfer initiated through First National Bank of Oxford Internet Banking by you or by any other person who is authorized to use your PIN. You agree that we may treat any such Bank transfer from a Deposit Account the same as a duly written withdrawal, transfer, or check and that we may treat any such bank transfer to a Deposit Account the same as a deposit, all in accordance with the terms of this Agreement and your deposit agreement(s) with us.

C. Limitations. Your ability to initiate bank transfers between Deposit Accounts may be limited by federal law or by the terms of your deposit agreement with us. Bank transfers from Deposit Accounts that are savings or money market deposit accounts are limited as required by federal regulation. You agree that we may, without notice or other obligation to you, refuse to make any bank transfer for security reasons or as expressly provided in this Agreement or your deposit agreement with us. You cannot postdate bank transfers or schedule bank transfers for future dates.

D. Time of bank transfers; posting; funds availability. If you initiate a bank transfer of available funds on or before five (5) p.m. Central Time on a business day, the bank transfer will be posted to the Deposit Account on the same business day. If you initiate a bank transfer other than before five (5) p.m. Central Time on a business day, the bank transfer will be posted on the next business day. Transferred funds will be available for withdrawal on the business day following the business day the bank transfer is posted to the Deposit Account. Please refer to the following schedule for posting and funds availability information (intervening holidays will alter this schedule):

If bank transfer
is initiated before
5 p.m. Central Time		 Funds will be
posted on:		 Funds will be
available on:
Monday Monday Tuesday
Tuesday Tuesday Wednesday
Wednesday Wednesday Thursday
Thursday Thursday Friday
Friday Friday Saturday
Saturday Monday Tuesday
Sunday Monday Tuesday

E. Payments on loans secured by principal dwellings. Payments made in-person, during business hours, at a branch of First National Bank will be credited on the same day. Payments received by mail to First National Bank, P.O. Box 847, Oxford, MS 38655, before 5:00 P.M. Monday - Friday, except Federal holidays, will be credited on the same day. Payments made by any other method, including Internet Banking, will be credited on the next business day.

Except as expressly otherwise provided in this Section, transferred funds will be
available for transfer and withdrawal as provided in our Schedule of Funds
Availability (the "Schedule of Funds Availability"). The schedules provided in this section are subject to the provisions of Section 15 and 16.

7. Account Information. You may use First National Bank of Oxford Internet Banking to receive, download, and store or print information regarding an account that is routinely set forth in the statement for the Account, debits and credits made to the account, amounts and item numbers for items drawn on the account (if applicable), and the daily account balance (including interest credited to a Deposit Account and finance charges accrued on a Credit Account). All account information provided via First National Bank of Oxford Internet Banking will be current as of the end of the preceding business day, but will not reflect bank transfers or bill payments made since the end of the preceding business day, and is subject to further adjustment and correction. Because the information is made available to you is "raw data" furnished through the Service Provider and is subject to change, we cannot assure you of the accuracy or completeness of the information and expressly disclaim the same. You will still receive your usual periodic statement of account, and adjustments may have been made to your account in connection with the preparation of your statement.

8. Bill Payment Service.

A. Payment Accounts. If you have enrolled in the optional bill payment service, you may use First National Bank of Oxford Internet Banking to initiate payments from any Deposit Account that is a checking account with unlimited check writing privileges ( a "Payment Account") to pay obligations owed to certain third parties in the United States, including, without limitation, any First National Bank of Oxford mortgage, installment loan, credit card or line of credit account. These types of transactions are referred to in this Agreement as "bill payments". You may initiate individual bill payments and may preauthorize recurring bill payments.

B. Authorization. You agree that we may treat any bill payment that was initiated through First National Bank of Oxford Internet Banking by you or by any other person who is authorized to use your PIN the same as your duly executed written payment order or check, all in accordance with the terms of this Agreement and your deposit agreement with us.

C. Time of bill payments. Each bill payment must be initiated a certain number of business days before the business day that you want the bill payment to be made (the "Payment Date"). This number of business days is referred to as the "lead time". The first time you initiate a bill payment for a specific payee, the lead time will be 10 business days. Thereafter, the lead time for the payee will be 3 business days for electronic payments and 10 business days by check, as noted on your online payee list. If you initiate a bill payment before 12:00 A.M.Central Time on a business day, the bill payment will be deemed initiated on that business day. If you initiate a bill payment other than before 12:00 A.M. Central Time on a business day (for example, on a Saturday, Sunday, or holiday), the bill payment will be deemed initiated on the next business day. You should schedule each bill payment to be made prior to the due date of the bill payment. If you do not schedule a bill payment on time or if you do not otherwise initiate a bill payment properly, you will be solely responsible for any late charges, finance charges, or other costs resulting from failure to make the bill payment on time. You will be solely responsible for all inputting errors.

D. Checks. If the payee cannot or will not accept bill payment by electronic funds transfer from the Service Provider, a check will be drawn on the Payment Account for payment to the payee. The check will be signed by the Bank or its representative, and will not be signed by you; however, you agree that any check issued in this manner to make a bill payment initiated in accordance with this Section will be deemed authorized and may be paid by the bank from the Payment Account.

E. Returned or rejected bill payments. If a bill payment is returned or rejected, whether by the Bank, the Service Provider or any third party (including, without limitation, an intermediary bank or the payee's bank), then either the Bank or the Service Provider will notify you and you will be solely responsible for reinitiating the bill payment. You agree to furnish to the Bank and/or the Service Provider such information as it may request to resolve any error or inquiry arising out of your initiation of any bill payment(s).

F. Cancellation or stop payment of bill payments; revocation of authorization. After you have entered a bill for payment, you may request that the payment be stopped or canceled. You must make this request before the payment date which is defined in paragraph C above, by sending a secured e-mailto administrator@fnboxford.com, by calling the bank, or by canceling online.

G. Inconsistent name and number appearing in a bill payment order. If a bill payment initiated by you describes the intended recipient of funds inconsistently by name and account number, you agree that payment by the receiving bank (which may be the Bank) may be made on the basis of the account number alone even if that account is not owned by the person named in the bill payment. If a bill payment identifies an intermediary bank or the payee's bank inconsistently by name and identifying number, you agree that we may rely solely on the number as the proper identification of the intermediary bank or the payee's bank even if it identifies a bank different from the bank identified by name. To the extent permitted by applicable law. you acknowledge and agree that your obligation to pay us the amount of the bill payment will not be excused in any circumstance described above and that you will reimburse us for any losses or expenses we incur as a result of our reliance on the identifying number provided in the bill payment.

9. Electronic Mail Service. You may use First National Bank of Oxford Internet Banking to send electronic mail ("e-mail") to us. The e-mail service may not be used to make bank transfers between accounts or to make bill payments from an account. E-mail transmitted by you to us via First National Bank of Oxford Internet Banking often will not be delivered to us immediately. If you need to contact us immediately to stop payment, to report an unauthorized use of your PIN, to report unauthorized access to an account, or for any other reason, you should call us at 1-662-234-2821. We will not be responsible for acting on or responding to any e-mail request made through First National Bank of Oxford Internet Banking until we actually receive your e-mail and have a reasonable opportunity to act. You should check your e-mail regularly; we will attempt to notify you by e-mail in the event of any technical difficulties or other occurrence that may affect your use of First National Bank of Oxford Internet Banking. Secured e-mail is available within the Internet Banking application and should be used exclusively when transmitting sensitive information such as account numbers, balances, etc.

10. Additional Services. We may, from time to time, make additional services through First National Bank of Oxford Internet Banking. We will notify you of the availability and terms of these new services. By using these additional services when they become available, you agree to be bound by this Agreement and any additional instructions, procedures, and terms provided to you with respect to each of these new services.

11. Fees and Charges. In consideration of our making the First National Bank of Oxford Internet Banking services available to you, you agree to pay, and you authorize us to automatically debit to the billing account designated on the Application (the "Billing Account") during the first week of each calendar month, the following nonrefundable charges for the preceding calendar month:

Access to the First National Bank of Oxford website is furnished at no charge to the customer. The initial setup fee of $5.00 for online banking is waived until further notice, and First National Bank of Oxford has not initiated a charge for viewing your accounts, or completing transfers to and from your individual accounts.

For individual customers utilizing the "Bill Payment Service", a monthly fee of $5.00 has been waived until further notice. The customer is allowed fifteen (15) bills to be paid monthly using the Bill Payment Program. There is a charge of $.50 per item against your designated account for bill payment in excess of the allotted 15 items.

Commercial customers

These charges will not be prorated for portions of a month and may be changed pursuant to Section 21 of this Agreement. You will be solely responsible for all tariffs, duties, or taxes imposed by any government or governmental agency in connection with any transfer made pursuant to this Agreement and for all telephone charges, Internet access service charges, tools tariffs, and other costs for online sessions initiated by you. There may be other costs and charges associated with your accounts. Please refer to the service schedule for details.

12. Errors and Adjustments. We agree to correct any error made in crediting or debiting any account by making the appropriate adjustment to your account balance. You agree to repay promptly any amount credited to your account in error, and you authorize us to initiate a debit transfer to any account to obtain payment of any erroneous credit.

13. Account Reconciliation. The Deposit Account statements or other notices provided to you by us will notify you of (a) the execution of bank transfers or bill payments and the debits to the Deposit Account made with respect to such bank transfers and bill payments, and (b) amounts debited by the Bank from the Billing Account or any other account for payment of the services or other charges pursuant to this Agreement. You agree that we will not be required to provide any other notice to you of the execution of bank transfers, bill payments, or debits. You agree to promptly examine each statement for a Deposit Account and to promptly report any discrepancies between your records and the Deposit Account statements or any other notices mailed by the Bank to you, as provided in Section 17.

14. Settlement of Obligations. To the fullest extent permitted by applicable law, you authorize us to obtain payment of your obligations to us under this Agreement from time to time by (a) initiating debit or credit transfers to any of the accounts or (b) deducting the payment from the amount of any bank transfer or bill payment. Such obligations include, without limitation: fees owed to us and settlement for bank transfers or bill payments initiated through First National Bank of Oxford Internet Banking. At the time any account is closed (whether by you, by us, or otherwise) or First National Bank of Oxford Internet Banking service is terminated (whether by you, by us, or otherwise), you agree that all such obligations will be immediately due and payable to us, and you authorize us to withhold the amount of any such obligations from any account. Debiting an account or deducting payment from the amount of any bank transfer or bill payment is not the Bank's exclusive remedy under this or any other section of this Agreement, and the Bank will not be deemed to have made an election of remedies by making any such debit or deduction on any one or more occasions.

15. Bank's Liability for Failure to Make or Stop Certain Electronic Fund Transfers. If we doe not complete an electronic fund transfer to or from a Deposit Account in a reasonable amount of time or in the correct amount according to our agreement with you, we will only be liable for your direct losses or actual damages, except in the following instances:

16. Limits on Bank's Liability. Our liability for electronic fund transfer made to or from Deposit Accounts is also governed by Sections 15 and 17. If any provision herein is inconsistent with any provisions of Section 15 or Section 17 or any provision of applicable law that cannot be varied or waived by agreement, the provisions of those Sections or applicable law shall control. To the fullest extent permitted by applicable law, you agree that we will have no liability whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of any First National Bank of Oxford Internet Banking service in accordance with the terms of this Agreement, including but not limited to, that resulting from our negligence. Our duties and responsibilities to you are strictly limited to those described in this Agreement, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement. In no event will the Bank be liable for any consequential, special, or punitive damages or for any indirect loss that you may incur or suffer in connection with the service (even if the Bank has been informed of the possibility of such damages), including, without limitation, attorneys fees. The Service Provider is an independent contractor and not the Bank's agent. The Bank's sole duty shall be to exercise reasonable care in the initial selection of the Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE BY THE BANK WITH RESPECT TO ANY FIRST NATIONAL BANK OF OXFORD INTERNET BANKING SERVICE OR THE SOFTWARE, AND THE BANK HEREBY DISCLAIMS ALL SUCH WARRANTIES. To the fullest extent permitted by applicable law, and without limiting the generality of the foregoing, the Bank shall not be liable at any time to you or any other person for any loss, charge, fee, penalty, expense or other damage resulting from any failure or delay of the performance of the bank's responsibilities under this Agreement which is caused or occasioned by any act or thing beyond the Bank's reasonable control, including, without limitation, legal restraint, interruption of transmission or communication facilities, equipment failure, electrical or computer failure, war, emergency conditions, acts of God, fire, storm, or other catastrophe, or inability to obtain or delay in obtaining wire services or Internet access, or refusal or delay by the Service Provider or another bank or financial institution to execute any bank transfer or bill payment. In addition, the Bank shall be excused from any failure or delay in executing a bank transfer or bill payment, if such execution would result in the violation of any applicable state or federal law, rule, regulation or guideline. To the fullest extent permitted by applicable law, you agree that the Bank shall not have any liability whatsoever for any loss caused by the act, error, or omission of you or any other person, including, without limitation, the Service Provider, any Internet access service provider, any federal reserve bank or transmission or communications facility or any intermediary or receiving financial institution, and no such person shall be deemed the Bank's agent.

17. Your Liability for Unauthorized or Erroneous Transfers. To the fullest extent permitted by applicable law, you agree to be responsible for all unauthorized or erroneous transactions initiated through First National Bank of Oxford Internet Banking. You have the obligation to immediately notify the Bank if your User ID and/or password have been lost or stolen, or if someone has transferred funds from you account through First National Bank of Oxford Internet Banking without your permission (or is contemplating to do so). The following provisions of this Section apply only to your liability for unauthorized electronic fund transfer. An "unauthorized electronic fund transfer" means an electronic fund transfer from a Deposit Account that is initiated by another person without your authority to initiate the electronic fund transfer(s) and from which you receive no benefit. The term does not include any First National Bank of Oxford Internet Banking electronic fund transfer that is initiated by a person to whom you furnished your User ID and/or password, unless you have notified us that electronic fund transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. We may require that the notice be in writing. You could lose all the money in your Deposit Account, some or all of the money in any linked account, or up to your maximum overdraft line of credit if you have a check overdraft protection line of credit, if you fail or refuse to immediately advise the Bank of the unauthorized use of your User Id and/or password. If your statement shows electronic fund transfers that you did not make, tell us at once. If you do not tell us within sixty (60) calendar days after the statement was mailed to you, you shall not be entitled to assert a claim against the Bank, nor be entitled to any damages from the Bank, as to said unauthorized transfers. This sixty (60) day limitation is without regard as to the standard of care exercised by the Bank. If you believe that your User ID and/or password has been lost or stolen or that someone has transferred or may transfer money from a Deposit Account without your permission, call: (662) 234-2821

Or write:

First National Bank of Oxford
Operations Division
Post Office Box 847
Oxford, MS 38655

18. Rejection of Payment Orders; Overdrafts. You acknowledge that the Bank or the Service Provider may from time to time, in its sole discretion, reject any bank transfer or bill payment request (any "payment order") or return any bank transfer or bill payment (a) if there are insufficient or unavailable funds in the Deposit Account or the Deposit Account has been closed or is frozen, (b) if the payment order does not conform to the terms of this Agreement or the Software, or (c) if the payment order appears to be a duplicate, but neither the Bank nor the Service Provider is under any obligation to recognize that a payment is a duplicate and you should not rely on the Bank or the Service Provider to do so. If a payment order is rejected or a bank transfer or bill payment is returned, either the Bank or the Service Provider will notify you and you will have the sole obligation to remake the payment order in accordance with the terms of this Agreement and the Software. The Bank or the Service Provider may from time to time, in its sold discretion and without any obligation to do so, execute any payment order or make any bank transfer or bill payment even though an overdraft to the account results. To the extent permitted by applicable law, you agree that neither the Bank nor the Service Provider will have any liability whatsoever for refusing to accept any payment order or rejecting or returning any bank transfer or bill payment. If an overdraft occurs in a Deposit Account, you agree to cause sufficient available funds to pay the amount of the overdraft to be deposited into or credited to the Deposit Account before the end of that business day. Any overdraft existing at the close of a business day is immediately due and payable without notice or demand.

19. Disclosure of Deposit Account Information to Third Parties. You agree that we may from time to time disclose to third parties information about your Deposit Account or the transactions that you make through First National Bank of Oxford Internet Banking. We will disclose information to third parties about your Deposit Account or the transfers you make:


A. Where it is necessary for completing bank transfers or bill payment or providing any other service in connection with First National Bank of Oxford Internet Banking; or
B. In order to verify the existence and condition of your Deposit Account for a third party, such as a credit bureau or merchant; or
C. In order to comply with government agency or court orders; or
D. If you give us your written permission.

20. Other Agreements; Severability; Governing Law. The terms and conditions of this Agreement are cumulative with and in addition to any terms of the signature cards or account agreements for your Deposit Account(s), the applicable account disclosures, the Service Schedule, the Schedule of Funds Availability, the Bank's Electronic Fund Transfer Agreement and Disclosure Statement, the agreements governing the Credit Accounts, and the Application, all as may be amended from time to time. In the event of any conflict between this Agreement and the content of the Software or any related materials regarding the Bank's obligations to you, the terms of this Agreement will control. If any provision of this Agreement is unlawful or unenforceable, each such provision or writing will be without force and effect without thereby affecting any other provision hereof. No consumer protection provision of the federal Electronic Fund Transfer Act or Federal Reserve Board Regulation E is intended to be waived by you under this Agreement unless the waiver is permitted by law. The parties agree to be bound by the operating rules and guidelines of the National Automated Clearing House Association and the applicable local automated clearing house association as in effect from time to time with respect to all automated clearing house transfers made hereunder. This agreement shall be governed by the substantive laws of the United Stated, applicable federal regulations, and to the extent not inconsistent therewith, the laws of the state where our offices holding the account(s) is located, without regard to such state's rules regarding conflict of laws.

21. Amendments. We may amend this Agreement from time to time. Each amendment will be effected by our mailing or otherwise delivering an amendment, revised agreement and/or notice thereof to you in accordance with applicable federal and state laws. If no federal or state law specifically governs the amendment, the amendment shall be effected by mailing or otherwise delivering it to you or posting it in our branch offices at least 10 calendar days prior to the effective date of the amendment. Notwithstanding the foregoing and to the extent permitted by applicable law, we may change any term of this Agreement without prior notice or obligation to you: (a) if the Software or the Service Provider changes any term without providing us sufficient notice to enable us to properly notify you; (b) for security reasons; (c) to comply with applicable law; or (d) as otherwise expressly provided in this Agreement.

22. Termination. You agree that we may cancel or restrict your use of First National Bank of Oxford Internet Banking or any First National Bank of Oxford online service at any time upon such notice (including e-mail) as is reasonable under the circumstances. You may cancel First National Bank of Oxford Internet Banking service by written request to the Bank at any time. If you cancel the bill payment service, all pending and/or recurring bill payments will be automatically canceled.

23. Assignment. You man not assign all or any part of your rights or obligations under this Agreement without our prior express consent, which may be withheld in our sole discretion. We may assign or delegate all or any part of our rights or obligations under this Agreement, including, without limitation, the performance of services described herein. This Agreement will be binding on and inure to the benefit of the successors an assigns of either party.

24. No Third-Party Beneficiaries. This agreement is for the benefit of you and the Bank and is not intended to grant, and shall not be construed as granting, any rights to or otherwise benefiting any other person, except as expressly otherwise provided in this Agreement.

25. CHOICE OF FORUM AND JURY TRIAL WAIVER. In the event any litigation is instituted to enforce or interpret the terms of this Agreement, you agree that the exclusive forum therefore shall be the Circuit Court of Lafayette County, Mississippi. In the event that the Bank is the prevailing party, the Bank shall be entitled to reimbursement for all reasonable attorneys' fees and costs incurred including, but not limited to, those incurred incident to any appeal. YOU AND THE BANK HEREBY WAIVE THE RIGHT TO TRIAL BY JURY OF ALL DISPUTES, CONTROVERSIES AND CLAIMS BY, BETWEEN OR AGAINST EITHER YOU OR THE BANK WHETHER THE DISPUTE, CONTROVERSY OR CLAIM IS SUBMITTED TO ARBITRATION OR IS DECIDED BY A COURT.

26. OWNERSHIP OF MATERIALS. The content and information on our site is the property of First National Bank of Oxford. It should not be duplicated or copied by any means.