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Access to your account information is just a few clicks away. Review and accept the following important Terms and Conditions for GOLD Internet Banking to continue. 


Important: This service is available for consumer customers of Woodsville Guaranty Savings Bank only. If you are not currently a customer, visit Personal Checking to get started. 


Woodsville Guaranty Savings Bank Internet Banking Terms and Conditions

Effective September 2015

The GOLD Internet Banking Agreement ("Agreement") states the terms and conditions for Woodsville Guaranty Savings Bank's (the "Bank") GOLD internet banking services. In this Agreement, "you," "your," and "yours" refer to the individual(s) that hold the account. The words “Bank,” “we," "our," and "us" mean Woodsville Guaranty Savings Bank.

Acceptance of the Agreement

When you use any of the internet banking services described in this Agreement, whether you authorize others to use them or disclose login information to others, you agree to the terms and conditions of this Agreement, as it may be amended from time to time. You agree that the Bank may act on the verbal, written, or electronic instructions of any authorized signer. You agree that the Bank may act on the electronic instructions of your User Code (“Access ID”) and Password which will be deemed an authorized use, and you agree that the use of same will have the same effect as your signature authorizing the transaction until such time that you have notified us in writing of the unauthorized use or theft of your Access ID and/or Password. You also acknowledge and agree that, if you permit another person(s) to use internet banking or give them your Access ID and Password, you are responsible for any transfers or payments the person(s) makes from your account.

Accessible Accounts

To access internet banking, you must be an owner/authorized signer of at least one of the Bank’s deposit or loan accounts. Eligible new accounts that you open with the Bank, after your initial enrollment in internet banking, will be automatically accessible. When internet banking is linked to one or more accounts, we may act on the instructions of any owner/authorized signer regarding those accounts. "Instructions" mean accessing internet banking through the use of an Access ID and Password. Each person on a joint account will be liable for all transactions that are made on that account by all other joint account owners/authorized signers of the account. Notices sent to the address or email address (if authorized by you) of one account owner are binding on all account owners.

You may use our GOLD internet banking services to:

- Check account balances,

- Review account activity/statements and sign up for eStatements

- Transfer funds between accounts – both onus and external (enrollment in External Transfers is required)

- Make loan payments

- View check images

- Request stop payments

- Pay bills with eZ Pay

- Send and receive money to/from people with Popmoney®

- Activate mobile banking

- Set up eAlert notifications

Other Bank Agreements

Your use of internet banking is affected by the agreements between you and us for your deposit and other linked accounts. Therefore, the terms and conditions in this Agreement are in addition to the various disclosures provided at account opening, and any other credit agreements you have with us, as well as applicable rules and regulations. You should review those documents for any fees or other restrictions that may affect your use of internet banking.

Website Content and Links to Other Websites

Internet banking is provided through our website www.theguarantybank.com, which may include news, information, stock quotes, links to other merchants, and links to other websites that are provided as a convenience to you. By clicking on one of these links, you are leaving the web site of Woodsville Guaranty Savings Bank and entering a separate and unaffiliated web site. Woodsville Guaranty Savings Bank does not necessarily agree with the views expressed on separate web sites, nor does the Bank attest to the accuracy of the information on separate web sites. The Woodsville Guaranty Savings Bank’s Privacy and Security Policies do not apply to any separate web sites.

Electronic Communications

You agree to receive this Agreement electronically. You also agree that we may respond to you with an electronic communication to any electronic communication you send to us.

Electronic Mail (e-mail)

You may contact us via e-mail. However, e-mail is an inherently unsecure method of communication. Sending a message via the ‘Secure Form’ link under the Contact Us button at www.theguarantybank.com provides a greater level of security. You are not allowed to use this form to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within internet banking.

Electronic Alerts (eAlerts)

You may setup various eAlerts on your account(s), such as a low balance in your account or an upcoming payment reminder, and receive notification via email, mobile text message or within GOLD. Account numbers within eAlert notifications are masked. Message and data rates may apply.

We rely on the contact information you provide when you set up an eAlert and we are not responsible for misdirected messages. In the event an eAlert is not received by you, we are not liable. You are still responsible for taking appropriate action on your account(s) - such as when a loan payment is due or a deficit account balance.

Account Balances

Account balances are available through internet banking for your linked deposit accounts. Internet banking lists your account balance as of the date indicated. Your account balance may include uncollected funds. The balance consists of funds that are readily available for withdrawal. Information about your loans is also available.

Transfers

You can make transfers from any linked accounts and you must be an authorized signer on each account. We reserve the right to limit the frequency and dollar amount of transactions on your accounts for security or administrative reasons. You acknowledge and agree that you are responsible for all transfers.

Liability for Failure to Stop Payment of Preauthorized Transfer

If you order us to stop payment of a preauthorized transfer three business days or more orally or through internet banking before the transfer is scheduled, and we do not do so, we will be liable for the amount of the payment that you ordered stopped, except in those instances set forth in the “Our Responsibility” section of the Agreement. Preauthorized transfers cannot be stopped or cancelled through mobile banking.

External Transfers

For information about external transfers, please refer to the “External Transfers Terms and Conditions” section at the end of this Agreement.

Transfer Limitations

Your ability to transfer funds to another account or to third parties from savings and money market accounts is limited by federal regulations. You are limited to six preauthorized, automatic, telephone, or computer transfer or by check/draft (money market accounts only), debit card or similar order to third parties per calendar month or statement cycle. Each transfer through internet banking from your money market or savings account is counted as one of the six transfers permitted each month/cycle. Should excessive transfers occur on your money market or savings account, we may convert your account to a different product type, close your account or stop electronic access to the account.

Internet Banking Password

One of your WGSB account numbers must be used as part of the initial enrollment process. You will then be asked to select an Access ID during the process. Your Access ID should contain only letters and numbers and it is case sensitive. You will also be asked to select a new Password. Your Password must be between 8 and 16 characters in length and contain at least 1 uppercase alphabetic character, 1 lowercase alphabetic character, 1 numeric character and 1 special character (for example !,@,#,$,%,^,&,*,(),_,+, or ?). All characters are case sensitive. For example, if your Password is "4Banking@" and you type "4banking@", it will not work. You must type a capital "B." It is important to keep your Access ID and Password confidential in order to prevent unauthorized transactions on your bank accounts. You are responsible for keeping your Access ID and Password confidential at all times.

Your Access ID and Password are exclusively for your use. You agree to take reasonable precautions to safeguard your Access ID and Password. You acknowledge and agree that we have employed commercially reasonable security measures to protect the integrity of the data you transmit to us via internet banking and to protect against unauthorized access to your accounts. You agree that any interception of data that occurs, notwithstanding these security measures, is beyond our control and we are not responsible for such interception. You also agree that if we abide by the security procedures applicable to your accounts, you are liable for any losses that occur. Your Access ID and Password are your signature authorization for the initial and any ongoing transactions. Each time you enter your Access ID and Password, you are authorizing us to process your requested transaction.

If you forget your Password, you may use the “Forgot Password” link on our GOLD login page or you may call us at (603) 747-2735 or 1-800-564-2735 in order to have your password reset. Generally, you should change your password frequently to help safeguard the security of access to your accounts. You may change your password in the Edit Personal Settings (‘Options’) section of the internet banking service. Once you have changed your password, you will get a confirming email notifying you that it has been changed. If you receive an email and you did not change your password, please contact the Bank immediately. Our employees will never contact you via e-mail or by telephone requesting your internet banking password. If you are contacted by anyone requesting this information, do not provide it and contact us immediately at (603) 747-2735 or 1-800-564-2735.

Website Authentication

Each time you log in to GOLD internet banking, look for the green website address bar. This is to ensure that you are on a secure page and it is safe to enter your Password. If the website address bar is a different color, Do Not continue to login to the system. Try again later or contact customer support for assistance during regular business hours (Monday-Friday 8am-5pm) at 800-564-2735.

Sessions

A session is completed when you click on the “Log Off” button, close your browser, or move to a web site outside the secure socket layer established by the Bank. The session may also be terminated if there is no activity within a set amount of time. In the event of a communications error, the session is terminated automatically. If you have not completed your transaction before the session is terminated, you must begin the transaction again.

Service Availability

GOLD internet banking is generally available twenty four (24) hours a day and seven (7) days a week. There are certain times when the system becomes unavailable due to emergency or scheduled system maintenance. We are not responsible for the unavailability of the internet banking system or any indirect or consequential damages that may result from its unavailability. Internal transactions initiated prior to 5:00 PM (Eastern Time) on a Business Day are posted to your account that day. All transactions completed after 5:00 PM on a Business Day or on a Saturday, Sunday or Bank holiday will be posted on the next Business day. Our Business Days are Monday through Friday. Weekends and Holidays are not included.

Internet Banking Services Monthly Charges

GOLD Internet Banking…..Free*

*Fees are subject to change with notification as required by law.

Authorization to Charge Accounts

Our internet banking fees and charges are in addition to the fees and charges that apply to your accounts with us as described in account disclosures and any other credit agreements you have with us. In addition, fees may be assessed for performing additional services through internet banking, such as processing stop payment requests, depositing checks via mobile banking and transactions that result in non-sufficient funds. Consult the account information disclosures and any other credit agreements you have with us for details. Finally, you should note that depending upon how you access your internet banking, you may incur Internet Service Provider fees and telephone charges. Message and data rates may apply.

Bill Payment and Personal Payment Services

The Bank subscribes to a third party service for Bill Payment from CheckFree® RXP®, a division of Fiserv, Inc. Customers wishing to utilize this service must enroll and agree to the Terms and Conditions of CheckFree RXP. There is no guarantee of approval for bill payment utilization from CheckFree. If approved, the Bank performs internal changes to allow you direct access to the service. You will then deal directly with CheckFree RXP on all inquiries, errors and disputes. The bank refers to this service as eZ Pay.

Another service available through this third party is the ability to make Personal Payments. You can send money to, or receive money from, other people. The same Terms and Conditions mentioned above also apply to this service – the service is called Popmoney®.

Mobile Banking Services

Mobile banking is a supplemental and optional service within GOLD internet banking. By participating in the mobile banking service, you agree to any additional terms and conditions set forth in the Bank instructions for setting up this service. After you have registered your mobile device with us, you will be able to access your accounts at the Bank and perform some of the internet banking services using your mobile device. If you do not have a mobile data plan you will only be able to utilize SMS Text Messaging. If you do have a mobile data plan, you will be able to utilize the service for Text Messaging, Browser access and Customized App downloading from the app store for your mobile device (search for ‘WGSB’). In order to utilize the Customized App, you must have a certified mobile device. A list of Certified Devices is available for review at www.theguarantybank.com. Message and data rates may apply.

Mobile banking may not be accessible or may have limited utility over some network carriers. We are not liable or responsible for the availability of these services provided by your mobile carrier, including out-of-range issues. Your mobile and wireless service provider may charge for sending and receiving texts and assess other fees and charges for data services, all of which you are solely responsible to pay. We are not responsible for any viruses, malware or other problems that may be associated with your computer or mobile device. Mobile Banking services require that you are enrolled in GOLD internet banking. Your complete account numbers will never be transmitted to you via your mobile device. Message and data rates may apply.

You may access the Mobile banking services with your device at any time through (i) the designated URL or (ii) using the downloadable mobile application supported by your device, by using the same Access ID and Password you would use to access GOLD internet banking through your computer.

You may use your mobile device to:

- View balances and recent transactions 

- Transfer funds between your accounts (not available for SMS). 

- Send one-time bill payments to payees you designate that have already been set up through eZ Pay (not available for SMS)

- Send money to other people via Popmoney (not available for SMS)

- Deposit checks (enrollment in Mobile Deposit is required – not available for SMS)

- Find WGSB ATM and branch locations

Equipment and Access Requirements

In order for internet banking to work properly, you must have the necessary hardware and software to conduct internet banking; it must be capable of receiving, accessing, displaying and, for those who have agreed to receive eStatements, either printing or storing eStatements (as described in the eStatements FAQ area under “System Requirements” located at www.theguarantybank.com. You must also be able to run a pdf reader, such as Adobe Acrobat Reader, in order to view your statement). You may download a free copy of Adobe Acrobat at www.adobe.com. Acrobat® and Reader® are registered trademarks of Adobe Systems, Incorporated.

You are also responsible for maintaining your own connection to the Internet. Furthermore, if you receive eStatements, we recommend that you also have a printer connected to the computer from which you are accessing your internet banking account so that you may print and save your eStatements.

You understand that you are responsible for installation, maintenance and operation of your computer and its software. The Bank is not responsible for any errors or failures of your computer or its software and you are responsible for any costs associated with this software or internet connection. It is your responsibility to safeguard your computer from viruses, malware, phishing, and spam which could potentially cause harm to your computer and the security of any and all data resident on your computer.

Documentation and Verification of Payments and Transfers

- Confirmation Numbers: Upon completion of a transaction using internet banking, you will receive a Confirmation Number. You should record this number, along with the scheduled date and transaction amount, in your checkbook register (or other permanent record) because this will help in resolving any problems that may occur. No printed receipts are issued through internet banking.

- Periodic Statements: Information concerning internet banking transactions will be shown on your periodic statement for the account(s) to and from which transfers or payments are made.

Privacy

The Bank recognizes that our customers and others visiting our internet website have an expectation of privacy in their dealings with us. For these reasons, the Bank takes its responsibilities for the protection of the security and privacy of customer information seriously. Our privacy policies are described in the Bank's Privacy Notice available at any branch or on our website. Please consult the Bank’s Privacy Notice for more details.

Regulation E and Electronic Funds Transfer (EFT) Disclosures

For consumer accounts only, the EFT information contained within this Agreement is intended to supplement our Electronic Fund Transfers disclosure as previously provided to you in printed form. If EFT information in this Agreement and the EFT disclosure conflict then the EFT disclosure shall prevail.

Errors or Questions: Consumer Responsibility

You are responsible for all transfers that you authorize using internet banking. If you permit other persons to use internet banking with your password, you are responsible for any transactions they authorize from your accounts whether or not you intended that they perform these transactions. Transactions that you initiate with fraudulent intent, or someone acting with you initiates, will also be authorized transactions.

Notify us AT ONCE if you believe:

- there is an error on your statement, or 

- your internet banking password has been lost or stolen, or 

- someone has transferred or may transfer money from your account without your permission, or 

- if you have a question about an internet banking transaction or 

- your mobile device has been stolen, lost or used without your permission.

Failure to notify the Bank could cause you to lose all the money in your account.

If you notify us within two (2) business days, you can lose no more than $50 if your internet banking password is used without your permission. If you notify us more than two (2) business days after you learn of the loss or theft of your GOLD internet banking Password, and the Bank can prove it could have stopped someone from using your internet banking password without your permission if you had told the Bank, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, notify the Bank at once. If you do not notify us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from notifying us, the Bank will extend the time periods.

Our Responsibility

We are responsible for completing transfers on time according to your properly entered and transmitted instructions. However, we will not be responsible:

- if you negligently or intentionally share your Access ID and Password, or you do not report immediately any known theft of your Access ID and/or Password, leading to unauthorized access to accounts, 

- if you leave your computer unattended in the middle of a banking session and that results in unauthorized access to your account(s), 

- if you do not log-off after completing your banking session before visiting other internet sites, 

- if you have not properly followed the on-screen instructions for the transaction 

- if, through no fault of ours, you do not have enough money in your account to make a transfer 

- if you have an overdraft line and a transfer would cause the balance to go over the credit limit 

- if any electronic terminal or system was not working properly and you knew about the problem when you started the transfer 

- if withdrawals from any of your internet banking linked accounts have been prohibited by a court order such as a garnishment or other legal process, 

- if circumstances beyond our control (such as strikes, fire, or flood) prevent the transaction or transfer despite reasonable precautions we have taken.

Error Resolution - For Consumer Accounts Only:

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed below as soon as you can, if you think your statement is incorrect or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. When you report the error:

- Tell us your name and account number, 

- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, 

- Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred.

Woodsville Guaranty Savings Bank

Attn: Internet Banking

63 Central Street, Woodsville, New Hampshire 03785

Phone: (603) 747-2735

1-800-564-2735

Termination

This Agreement remains in effect until either you or we terminate it. You may terminate this Agreement by notifying us of your intention to cancel internet banking by calling (603) 747-2735 or 1-800-564-2735, or by mail at the address above. We may terminate this Agreement and your participation in internet banking at any time, for any reason, including non-usage or inactivity. Although we will try to notify you in advance of our termination, we are not obligated to do so. If you terminate this Agreement, you authorize us to continue making transfers you have previously authorized up to two (2) business days after our receipt of your cancellation request.

Once we have acted upon your termination notice, we will make no further transfers from your accounts, including any transfers you have previously authorized. If you choose to terminate this Agreement and want to ensure that any outstanding authorized transfers are not made, you should cancel all scheduled transfers prior to notifying us that you are discontinuing this service. Please note that your cancellation of internet banking under this Agreement does not close your bank accounts.

Governing Law

This Agreement shall be interpreted and governed in accordance with Federal Law, and to the extent not preempted by Federal Law, with the laws of the State of New Hampshire, without regard to its choice of law provisions.

Change in Terms

The Bank may, from time to time, introduce new internet financial services or otherwise amend the terms of this Agreement. For consumer accounts only, we will mail or deliver a written notice to you at least 21 days before the effective date of any change in a term or condition disclosed in this Agreement, if the change would result in increased fees or charges, increased liability, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is not required by law. Your continued use of GOLD internet banking serves as your acceptance to any change in terms.

Entire Agreement

This Agreement may be amended by us from time to time and, along with the account agreements, disclosures, enrollment/set up terms and conditions and other documents referenced herein, whose terms are hereby incorporated into this Agreement by reference (collectively, “Documents”), and is the entire agreement between you and us with respect to internet banking (including mobile banking) and supersedes any and all prior communications and prior agreements between you and us with respect to internet banking.


Woodsville Guaranty Savings Bank External Transfers Terms and Conditions

The External Transfers service (“Service”) is a bank-to-bank funds transfer service offered by Woodsville Guaranty Savings Bank and its service provider.

This Service allows you to transfer funds to or from your eligible Account(s) and other eligible accounts held by you at another financial institution in the United States. We reserve the right to reject transfers between accounts that are not owned by you. Transfers can be one time or recurring. In order to use the Service, you have to be an internet banking customer of Woodsville Guaranty Savings Bank and must have a valid e-mail address. The Service is only available via GOLD Internet Banking and a separate enrollment is required.

Account Verification

We will verify the accounts you add to the External Transfers service. In order for us to verify your account(s) with third party financial institutions ("External Account(s)"), we may request certain information from you (such as routing numbers, account numbers, user IDs, or passwords) regarding your accounts that you register for use with the Service.

You authorize us to validate the External Account(s) using one of the following methods:

- Online/Real-time Verification – method in which the External Account is verified using the sign-in details for online access used for the External Account. 

- Trial/Test-deposit Verification – method in which the External Account is verified through your confirmation of two small deposits made to the External Account.

Scheduling Transfers To Your Woodsville Guaranty Savings Bank Deposit Account 

On the "Send On" date, we will initiate the process to debit the selected External Account. The process of debiting your External Account may vary by bank. For Standard Transfers, your funds will be credited to your Account within three (3) business days following the send date. For Express Transfers, your funds will be credited to your Account the next business day following the send date.

Scheduling Transfers From Your Woodsville Guaranty Savings Bank Deposit Account

On the "Send On" date, we will initiate the process to transfer funds from your Account. For Standard Transfers, funds will be delivered to the receiving bank within three (3) business days following the date funds are debited from your Account. For Express Transfers, funds will be delivered to the receiving bank the next business day. 

The send date for a one time external transfer must be a business day. For one time transfers requested after the cut-off time, the transfer process will be initiated the next business day. 

You may also set up external transfers to happen on a recurring basis. For recurring transfers, if the send date of one or more transfers falls on a weekend, holiday or at the end of a month with less than 31 days, the transfer will be re-scheduled to occur on the previous business day. 

A transfer may be returned if there are insufficient funds available in the account to be debited, or you have provided an incorrect account number or routing number. When you schedule a funds transfer using the Service, you authorize us to withdraw the necessary funds from your designated account, including any applicable fees. 

Modifying Transfers

You can edit transfers at any time prior to your final confirmation.

You cannot edit a one-time Express (next day) or Standard (3-day) transfer request.

You can edit the amount of a One-time Scheduled transfer request any time before the transfer's send date. Just click on the Edit link next to the transfer on the Activity tab and follow the instructions.

An individual Recurring Transfer can also be edited. You can also edit all remaining transfers under the Recurring Transfer. To edit a Recurring Transfer, just locate the recurring transfer on the Activity tab, click the appropriate transfer to show the options available and then click the Edit button. Then follow the instructions.

Cancelling Transfers

You can cancel transfers at any time prior to your final confirmation. 

You can cancel a Standard transfer, however, because Standard transfers are released for processing periodically throughout the day, the timeframe within which you can cancel the transfer will vary.

You can cancel a One-time Express (next day) transfer request any-time before the cut-off time.

A One-time Scheduled transfer request can be canceled any-time before the transfer’s send date.

To cancel a One-time Standard, Next Day or Scheduled transfer, locate the transfer on the Activity tab, click the appropriate transfer to show the options available, and then click the Cancel button. Then follow the instructions.

An individual Recurring transfer can be cancelled, as can all remaining Recurring transfers.

To cancel a Recurring Transfer, just locate the recurring transfer on the Activity tab, click the appropriate transfer to show the options available and then click the Cancel button. Then follow the instructions.

Once a transfer request has been transmitted to ACH, you cannot cancel the transfer. If your transaction is in process, you may execute another transfer to move the funds back. This is considered another transaction so please be aware fees may be charged. 

Cut-off Time

Standard (3-day) transfer requests received after 1am Eastern Time, and Express (next day) transfer requests received after 8pm Eastern Time, will be considered received the following business day.

Service Fees

You may be charged a fee for insufficient funds if you schedule a Transfer that exceeds the amount of your available balance. The amount of the Overdraft or Returned Item Fee is set forth in the fee schedule provided in your Account information disclosures. If you schedule a transfer from an External Account and there are insufficient funds in the External Account, you may be charged a fee by that financial institution.

We may change our fee schedule at any time. If we make a change, you will be notified in writing as required by applicable law. You authorize us to deduct all fees that you incur for the Service from any Account you register for use with the Service. Termination of the services for which fees are charged does not release you from liability for any and all fees assessed by us but not yet paid prior to your termination of such service.

Delivery Speeds and Transfer Fees

The delivery speeds which are available to you can be found on the Transfer Funds tab. Once you select an account in the "From" field, the Delivery Speeds available for that account will be presented. Next to the Delivery Speed(s), the date by which the transfer will be completed will also be presented.

Transfer fees are based on the Delivery Speed of the Transfer and whether the Transfer is Inbound or Outbound. These fees may change at any time. To learn more about the fees applicable to the Service, go to the Transfer Funds tab and select the "From" and "To" accounts as well as the delivery speed. Next to the delivery speed, click on the information icon to see what fees, if any, are applicable.

Limitations on Transfers

Various limitations apply to the transfers made through this Service. Once your accounts have been verified, you will be able to transfer funds as detailed on the Transfer Funds tab - click on the information icon next to the “Amount” field. These limits are defined per transaction, per day, and per month (30-day rolling period), as well as the delivery speed and direction of the Transfer.

Any transfers that will cause your limits to be exceeded will be rejected.

We may change your transfer limits at any time. Any decrease will be subject to notice, to the extent required by law, but you agree that we may reduce your limits without prior notice.

For Money Market accounts, external transfers from a Money Market account to another account by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle.

For Statement, GO, Young Savers Club Savings (“Savings”) accounts, external transfers from a Savings account to another account by preauthorized, automatic, telephone, or computer transfer are limited to six per month or statement cycle (for the GO Savings only).

ACH Authorization

You hereby authorize Woodsville Guaranty Savings Bank and our processing agents, to initiate electronic debits and credits to and from your eligible Account(s) and External Account(s) through the Automated Clearing House System (ACH System) in the amount of the transfers you request and the amount of any fees payable under this Agreement. You also authorize us to initiate debits and credits to your accounts through the ACH System to make corrections.

This authorization shall remain in full force and effect until we have received notice from you of its termination by requesting the termination of Internet Banking in the manner provided in the Termination section above.

Funds Transfer Disclaimer

Please be advised all funds transfers are subject to your financial institution's rules and regulations governing your accounts such as savings, custodial, trust, IRA, loan or margin accounts. Woodsville Guaranty Savings Bank is not liable or responsible for any costs or losses incurred as a result of the funds transfer requests from and to such accounts submitted by you.

Miscellaneous

For additional information about the Service, refer to the Help tab on the External Transfer screen.


I ACCEPT I DECLINE