WARRINGTON BANK INTERNET BANKING AGREEMENT AND DISCLOSURE STATEMENT

THE WARRINGTON BANK has expanded its banking services to utilize the convenience and efficiency of Internet technology; and the parties hereto desire to participate in Internet banking transactions. Customer understands that the terms and conditions set forth below are in addition to those that apply to any other accounts that Customer has with the Bank or any other services Customer thereafter obtains from the Bank. Customer further understands that any additional instructions and procedures applicable to the services covered by this Agreement provided by the Bank must also be followed.

NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, The Warrington Bank and Customer hereby agree as follows:

1. NETTELLER?ONLINE BANKING: Using your User ID and Password, you can perform banking transactions on your computer including: (1) receiving balance inquiries; (2) obtaining information about your account transactions; and (3) making transfers from The Warrington Bank checking/savings accounts to other Warrington Bank checking/savings (subject to government regulations). You must maintain sufficient funds in your account to cover any requests for transfers. If The Warrington Bank completes a payment or transfer that Customer makes or authorizes and The Warrington Bank subsequently learns that Customer has insufficient funds for the transaction, Customer agrees that The Warrington Bank may reverse the transaction or offset the shortage with funds from any account Customer has with The Warrington Bank. In any case, Customer is fully obligated to The Warrington Bank to provide sufficient funds for any payments or transfers Customer makes or authorizes.

2. FEES: The Warrington Bank NETTELLER? Internet Banking is currently offered with no monthly fee. Customer will be notified thirty (30) days prior to any fee changes implemented.

3. WHEN INTERNET PAYMENTS AND TRANSFERS ARE MADE: Payments and transfers are not final at the time The Warrington Bank receives Customer's instructions, but the Bank will begin to process them promptly. Transfer requests received after 5:00 P.M. on any business day will be posted the following business day. Each payment or transfer will be posted to The Warrington Bank Customer Account and to any other account within the Bank that is involved in the transaction, on the transmit date if made within processing hours or on the next business day if made after hours. Each payment or transfer Customer initiates on a non business day will be considered initiated on the following business day. Information Customer obtains about Customer accounts using NETTELLER? will not reflect transactions that have not yet been posted to Customer's accounts. Customer should be aware of these reporting limitations when Customer performs or attempts to perform any transactions on the basis of such information. NETTELLER?is generally available 24 hours a day, 7 days a week. However, the Bank only processes transactions and updates information on business days. The Bank's business days are Monday through Friday. Holidays are not included.

4. LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS: If Bank does not complete a payment or transfer on time or in the correct amount according to Agreement with Customer, Bank will be liable for the amount of that payment or transfer, and no consequential or punitive damages or other losses whatsoever incurred by Customer, if and only if, Bank wilfully or intentionally fails to complete a payment or transfer, or fails to complete a payment or transfer due to gross negligence on the part of Bank or any of its agents or employees.

5. ONLINE COMPUTER SECURITY: To access NETTELLER? Customer will initially use a temporary Password. Customer will reset the Password with their first connection online with their banking information. Take precautions online to protect your User ID and Passwird. Do not leave your computer unattended while online or send your User ID and/or Password or any other confidential information over any public or general E mail system. Do not give or disclose any part of your User ID or Password to anyone. Anyone to whom Customer gives his or her User ID and Password will have full access to Customer's accounts, even if the person Customer authorizes exceeds Customer's authority.

6. CUSTOMER LIABILITY: If Customer believes Customer's Internet Banking User ID and/or password or other means of access have been lost or stolen, and Customer notifies The Warrington Bank in writing, which notice is received within 2 business days after Customer learns of the loss or theft, Customer shall be responsible for no more than $50.00 if someone used them without Customer's authority after receipt of notice. If Customer does not tell The Warrington Bank within 2 business days after Customer learns of the loss or theft of Customer's User ID and/or Password or other means of access, Customer shall be responsible for the full amount of payments or transfers made by someone using them without Customer's authority until The Warrington Bank receives notice, as more fully described above in this paragraph. If Customer's statement shows payments or transfers covered by this Agreement that Customer did not make or authorize, Customer must notify Bank at once. If Customer does not notify The Warrington Bank within 60 days after the statement was mailed to him, The Warrington Bank shall have no liability to Customer for such payments or transfers.

7. BANKING CUSTOMER IDENTIFICATION NUMBER OR PASSWORD: If Customer's User ID and/or Password or other means of access has been lost or stolen or someone has used them without Customer's authorization, call The Warrington Bank immediately at (850) 455 7351. The Bank may at a later date, provide Customer with another electronic or telecommunications means of notifying Bank for this purpose. Using a general E mail service or other electronic means does not constitute proper or timely notification to Bank.

8. IN CASE OF ERRORS OR QUESTIONS ABOUT TRANSACTIONS COVERED BY THIS AGREEMENT: Customer must call The Warrington Bank at (850) 455 7351 or write to The Warrington Bank at P.O. Box 4877 Pensacola, FL 32507, as soon as possible if Customer thinks his statement is wrong or if Customer needs more information about a transfer or payment covered by this Agreement which is listed on the statement. Bank must hear from Customer no later than 60 days after Bank sent the first statement on which the problem or error appeared. Information to be included: Customer's name and account number; Describe the error, payment or transfer Customer is unsure about, and explain as clearly as Customer can why Customer believes it is an error and why Customer needs more information; Tell Bank the dollar amount of the suspected error. If Customer tells Bank of the suspected error orally, Bank shall require that Customer send Bank the complaint or questions in writing within 10 business days. Bank will tell Customer the results of Bank's investigation within 10 business days after Bank hears from Customer and will correct any error promptly. If Bank needs more time to investigate, Bank may take up to 45 additional days to investigate Customer's complaint or question. If the transaction was not initiated in any state, territory or possession of the United States, the initial investigation period will be 20 business days instead of 10 business days, and 90 business days instead of 45 business days, for an extended investigation. If Bank decides that there was no error, Bank will send Customer a written explanation within 3 business days after the investigation is finished. Customer may ask for copies of the documents that Bank used in its investigation.

9. STATEMENTS: Customer's NETTELLER? transfers will be listed on the monthly statements The Warrington Bank provides or makes accessible to Customer. Customer agrees to notify The Warrington Bank within 60 days if Customer changes address.

10. CANCELING THE SERVICE: To cancel NETTELLER?, you must contact The Warrington Bank in writing to notify us of your decision to cancel. The Warrington Bank may cancel or suspend your service at anytime without notice.

11. LAW THAT APPLIES: Regardless of where Customer lives or works or where Customer accesses the Warrington Web services, this Agreement is subject to the laws of the State of Florida and the Federal Law of the United States of America, with, in either event, consideration of conflicts of law principles. If any of the terms of the Agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.

12. ATTORNEY'S FEES: In the event any action is filed in relation to this Agreement, the unsuccessful party in the action shall pay to the successful party in addition to all the sums that either party may be called on to pay, a reasonable sum for the successful party's attorney fees.

13. EXCUSABLE DELAY: No party to this Agreement shall be liable to the other for any loss, cost or damages, arising out of, or resulting from, any failure to perform in accordance with the terms of this Agreement where such failure shall be beyond the reasonable control of such party, which, as employed herein, shall be deemed to mean, but not be limited to, acts of God, strikes, lockouts, or other industrial disturbances, wars, whether declared or undeclared, blockades, insurrections, riots, government action, explosions, fire, floods, or any other cause not within the reasonable control of either party.

14. AMENDMENTS: The terms and conditions governing NETTELLER?, including costs and fees may be amended by The Warrington Bank at anytime upon 21 days advance notice. Your continued use of the service is your acceptance of any amendment(s) of the Agreement, including any instruction on the use of the service as may be amended from time to time. You agree that any notices given by the Bank regarding the service will be sent to you at the Bank's choice, via either electronic mail or standard mail and will be considered delivered at the time sent by the Bank. The Warrington Bank may not immediately respond to E Mail, so you should not rely on E Mail to communicate with The Warrington Bank immediately.