Park National Corporation (Park)

Personal Electronic Services Agreement and Disclosure


To Our Valued Online Banking Customers:


Those of us who utilize the Internet to conduct business understand the importance of having formal agreements in place between each of us individually and our service providers. We greatly appreciate the relationship we have with you through our Online Banking Services. If you wish to make payments from your qualifying deposit account(s), those payment transactions will be governed by the terms and conditions of the Bill Pay Service and not this Agreement. Occasionally, we make changes to improve how we provide Online Banking Services and the changes require that we amend the agreement between us.


By using, visiting, or browsing our Online Banking Services you accept and agree to be bound by the terms within our Personal Electronic Services Agreement and Disclosure. The most current version of the Agreement will supersede all previous versions.


We encourage you to read the entire agreement and if you have questions or comments, please contact us. We welcome your feedback.


Within the Personal Electronic Services Agreement and Disclosure the words "we", "us", "our" or "Bank" mean Park National Corporation (Park). "You" and "your" refer to the account holder and "account" or "accounts" means your accounts at the Bank. The Personal Electronic Services Agreement and Disclosure (the "Agreement") provides information regarding the Bank's Online Banking, Paperless Statement services and Electronic Funds Transfers Services. This Agreement is the contract between you and the Bank and you should read this Agreement carefully prior to accepting the Agreement. You may print a copy of the Agreement to keep with your other important account records and for future reference.


Definitions: "Paperless Statement" means the electronic bank statement provided to you via Online Banking, which reflects transactions and fees that have been posted to your bank account. "Periodic Statement" means the paper bank statement sent to you via U. S. Mail on a periodic basis that reflects transactions and fees that have been posted to your bank account. "Electronic Funds Transfers" means ATM withdrawals, preauthorized transactions, point of sale transactions and transfers to and from your accounts. A "Business Day" means Monday through Friday, excluding Saturday, Sunday and Federal Holidays.


This Agreement, in conjunction, with the Electronic Funds Transfer, Truth-In-Savings, Fee Schedule and other supplemental disclosures provided to you at account opening or may have been sent to your separately via U. S. Mail explain your rights and obligations as well as the Bank's rights and responsibilities. You should understand that by using or allowing others to use your Online Banking services, you have agreed to abide by and be bound by the terms and conditions of this Agreement as well as other disclosures provided to you in person, electronically or through U.S. mail. Should you need a printed copy of the Bank's disclosures, just ask us or write us at the address on the Bank's Web site. For more information regarding Electronic Funds Transfers go to the Bank's Web site. Learn More


Types of Online Banking Services Available to you

Authorized and Related Account(s) Eligible for Online Banking Services, Paperless Statement and Electronic Funds Transfer: You will tell us which account(s) you or others you may authorize to access your Online Banking services. The Bank reserves the right to: (1) refuse to include any account among your Authorized and Related Accounts; or (2) may allow only certain transactions between or among your Authorized and Related Account(s), if the Bank is prohibited by state and/or federal law to do so or if circumstances become known to us that would prohibit access because of law enforcement or regulatory action.


Electronic Funds Transfer Disclosure (EFT): You or others you have authorized to use Online Banking Services may transfer funds from your checking and savings account(s). The accounts must have the same account name and social security number in order for the transfer to occur. Within the Electronic Funds Transfer Disclosure provided at account opening is a description of the types of transfers allowed, the transaction limitations, if any, and how to report an error or a suspicious transaction. Our Electronic funds Transfer Disclosure is available on our website. Learn More


Posting of Transfers: Transfers initiated by use of Online Banking Services before 7:00 p.m. (Eastern Standard Time) on a business day are posted to your account the same day. Transfers completed after 7:00 p.m. (Eastern Standard Time) on a business day will be posted on the next business day. Transfers completed on Saturday, Sunday or a Federal Holiday will be posted on the next business day.


Computer Specifications: It is your responsibility to obtain and maintain the communication links required to use our Online Banking Services, such as Internet service provider, telecommunications companies and any other authority identified by you.


Password and Virus Protection: At all times your account id and password should be secured and kept confidential. Any computer virus or related technology or software problems that may occur with your computer are your responsibility. The Bank recommends that you routinely scan your computer and related media using a reliable virus detection product. For more information about Password Protection and Set-Up go to our Website Security Section. Learn More


Consent to Electronic Delivery of Bank Notices: You agree that any notice or other types of communication provided to you or others you may authorize pursuant to the terms of this Agreement, and any future disclosures required by law, including Electronic Funds Transfer disclosures, may be made electronically by posting the notice on the Bank's website or by email. You agree to notify the bank immediately if you change your email address.


Important Information Regarding Electronic Communication: If you chose our Paperless Statement product for any of your accounts or if it is required by the terms of a particular type of account, you agree to receive your selected bank statement(s) electronically via Online Banking and to discontinue receiving paper statements. It also means that you agree to receive online any legal notices and other information affecting your accounts that would otherwise have been included with your paper statement, including, but not limited to, account agreements, fee schedules, privacy and other regulatory notices, and amendments to any of those documents. If paid checks or images of paid checks are returned with your paper statement the images of paid checks will not be returned, but images of your paid checks will continue to be available online. When you select this option, you must then log on to the Bank's secure Online Banking website using your Online Banking password and account ID to view your Paperless Statement, check images and/or other notifications.


In order to access your periodic statement information electronically, you must have a computer with internet access and a browser. And to print and retain your online statements, you will need a printer attached to your computer.


When your online Paperless Statement is available, you will receive an email notification to your external Internet email address. This is the external email address you previously provided to the Bank. If your email notification is returned to us undeliverable, we may discontinue Paperless Statement services and mail your paper statements via U. S. Mail. There may be a charge in accordance with the applicable Fee Schedule for subsequent paper statements.


If your email address changes, you must provide us with your new email address by contacting your banking office or the Bank at the telephone number listed on the Bank's website or email us or write us at the Bank's address on the website. Regardless of your receipt of email notification, you agree that our posting of the Paperless Statement on the Online Banking Web site constitutes delivery of your periodic statement. You agree to log on to the Online Banking at least once a month to review your statements.


If you would like a paper copy of any periodic statement, please contact your banking office or the Bank at the telephone number listed on the Bank's website or email us or write us at the Bank's address on the website. We may charge a fee for each periodic statement copy you request.


You may elect to withdraw consent to receive your periodic statement in electronic format. If this is a feature of a particular account we reserve the right to convert this account to another type of account with similar features. To withdraw consent, please contact your banking office.


Remote Support: The Bank has established an Agreement with a third-party vendor, Bomgar, to provide remote support to our online customers who may need help with their online banking access. By using Bomgar, the Bank can provide safe and secure remote support.


Each time a remote session is requested by our online banking customer(s), he/she will be asked to read and accept the Bomgar Waiver Agreement before services are rendered. Contact us for more details.


Your Right to Terminate: You may cancel Online Banking Services at any time by providing the Bank with written notice by postal mail. Your access to Online Banking Services will be suspended three (3) business days after the Bank's receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.


The Bank's Right to Terminate: You agree that the Bank can terminate or limit your access to Online Banking Services for any of the following reasons in whole or in part, any time without prior notice.

Changes to this Agreement and Disclosure

Except as otherwise required by state or federal laws or regulations, the Bank may change the terms and conditions of this Agreement from time to time and at any time. When changes are made to the Agreement the Bank will post the revised Agreement on the Bank's website. Changes will become effective when posted to the website and you may be required to "accept" or "decline" the changes. If state or federal laws or regulations require advance notice of the changes, the Bank will adhere to all notification requirements in accordance with state or federal laws and/or regulations.


Within the Agreement the words "we" "us" "our" or "bank" means Park National Corporation (Park). Park's Ohio-based banking operations are conducted through Park subsidiary Park National Bank and its divisions which include Century National Bank, Fairfield National Bank, First-Knox National Bank, NewDominion Bank, Carolina Alliance Bank, Richland Bank, Second National Bank, Security National Bank, Park National Bank of Southwest Ohio & Northern Kentucky, United Bank, and Unity National Bank. Park also includes Scope Leasing, Inc. (d.b.a. Scope Aircraft Finance), Guardian Finance Company.


I have read this Agreement and Disclosure and agree to the terms and conditions.

Revised 04/2019; Effective 11/03/2018