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1. effective beginning June 26, 2011

AGREMENT AND DISLCOSURE STATEMENT FOR ELECTRONIC BANKING SERVICES effective beginning June 26 2011 Table of Contents I Introduction II Terms and Definitions II Online Banking and Telephone Banking Electronic Banking Transactions Limitations Your Payee List Scheduling Payments Scheduling Delivery of Your Payments Same Day Payment Future Payment Recurring Payment 9 Canceling or Changing Payments 10 Returned Payments 11 Stale Dated Checks 12 Reviewing
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