TeleBanker Enrollment Form

Just print this page, complete the form and drop it off at one of our branches or mail it to Wayne Savings at the address listed below. Within a week to ten days, you will receive your TeleBanker card with instructions about how to access your Wayne Savings' accounts with TeleBanker.

Personal Information

Name

Address

City/State/ZIP

Home Phone

BusinessPhone

SSN

Secondary Account Holder Information

Name

Wayne Savings Account InformationPlease list ALL the accounts you would like to access through TeleBanker.Indicate if you would like "Inquiry" only, or "Inquiry and Transfer" capabilities for each account. Any Passbook Savings account listed for "Inquiry and Transfer" capabilities will be automatically switched to a Statement Savings account.

Inquiry Only Inquiry & Transfer Account Number

If any accounts listed above are joint accounts, all individuals on the account must sign where indicated.

Electronic transfers from a money market investor account or statement savings account to another account or to third parties by check, preauthorized or automatic transfer (including telephone transfer), are limited to six per statement cycle.

I would like to enroll in Wayne Savings Community Bank's TeleBanker program, which will allow me to access my above-listed personal accounts in order to perform account inquiry and/or funds transfer functions.

Everything here is true and correct to the best of my knowledge.

Print this form, fill it out and drop it off at one of our branches or mail it to: Wayne Savings Community Bank, 151 N. Market St., Wooster, Ohio 44691

Copyright © 1996 - 2013 Wayne Savings Community Bank

Address

City/State/ZIP

Home Phone

BusinessPhone

SSN

DateSignature Signature Date

REVISED 08/2013

Inquiries are not considered electronic transactions.

TELEBANKER TERMS AND CONDITIONS NOTICE: THESE TERMS AND CONDITIONS RELATE TO THE USE BY YOU OF WAYNE SAVINGS COMMUNITY BANK'S TELEBANKER THAT ARE COVERED BYTHE FEDERAL ELECTRONIC FUND TRANSFERS ACT. PLEASE REFER TO THE GENERAL RULES AND REGULATIONS FOR YOUR ACCOUNT AND FOR OTHER INFORMATION RELATING TO THE ACCOUNT. BE SURE TO READ THESE TERMS AND CONDITIONS BEFORE USING TELEBANKER

DEFINITIONS To the extent applicable, references in these terms and conditions to "Checking Account" will include NOW accounts and other similar transaction accounts as well as money market investor accounts. Reference to "Savings Account" will include statement savings and passbook accounts. DISCLOSURES 1. If you believe someone has transferred or may transfer money

from your account without your permission, call the phone number or write to the address shown at the bottom of these Terms and Conditions.

2. Our business days are shown at the bottom of these Terms and Conditions. Holidays are not included.

3. Your TeleBanker PIN will allow you to perform the following transfers or inquiries on your accounts:

• Make balance inquiries to your loan, checking or passbook or statement savings accounts.

• Transfer funds from your checking account to your statement savings account, or from your statement savings account to your checking account.

• Transfer funds from your checking account or statement savings account to make a loan payment.

• Advance funds from your home equity line of credit. • Confirm the date and amount of the last five deposits,

withdrawals or transactions to your checking account or passbook or statement savings account.

• Verify if a specific check has cleared. There are no limits on the dollar amounts of transfers made as long as there are funds available in your account to make them. Transfers from a statement savings account or money market investor account to another account or to third parties by preauthorized, automatic or telephone transfer are limited to a total of six (6) transactions made whether by check or electronic method per statement cycle. Safeguard your Personal Identification Number (PIN). Fraud is most often committed by individuals who know you.

• Memorize your PIN if you can. • Do not write or store your PIN in an unsecure

location. • Avoid using numbers that are easily identified (i.e. birth

date, phone number, etc.) • Do not give your PIN to anyone.

4. For each account you access, you will receive a monthly statement of your account activity. For loan transactions, transfers will be documented on the monthly statement of the corresponding account.

5. DISCLOSURE TO THIRD PARTIES We will disclose information to third parties about your account or the transfers you make: (a) in order to comply with government agency or court

orders; or (b) if you give us written permission.

6. Your PIN remains our property and immediate surrender of it may be required by us at any time. We may cancel the PIN at any time without notice or cause. Any cancellation or termination shall not affect any of your existing liability to us.

7. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TELEBANKER TRANSACTION Call the telephone number or write to the address shown at the bottom of these Terms and Conditions as soon as you can if you believe your statement is wrong, or if you need more information about a transaction appearing on the statement. We must hear from you no later than 60 days after you receive the FIRST statement on which the problem or error appeared. (a) Inform us of your name and account number (b) Describe the error or transaction you were unsure

about and explain as clearly as you can why you believe it is an error and why you need more information.

(c) Inform us of the dollar amount of the suspected error. If you inform us orally, we will require you send us your complaint or question in writing within 10 business days. In most cases, we will inform you of the results of our investigation within 10 business days after notification and will correct any error promptly. If we need more time in such cases, however, we may take up to 45 days to investigate your complaint or question. If we decide additional time is needed, we will recredit your account within 10 business days for the amount in error so you will have the use of the money during the time it takes us to complete our investigation. If, however, your complaint or question involves a transfer that was initiated outside of the United States (including territories and possessions) or that is a POS transaction effected through use of your card, the period within which we will tell you the results of our investigation is 10 business days after we hear from you or, at our option, 90 days thereafter, if we recredit your account within 10 business days. 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 recredit your account. If we decide there was no error, we will send you a written explanation within 3 business days after we complete our investigation. You may ask for copies of the documents used in our investigation.

8. This agreement may be amended by us without prior notice to you when such a change is immediately necessary to maintain or restore the security of the network or a customer's account. However, we will notify you in writing at least 21 days prior to the effective date of any change in any term or condition of the Agreement or your account, if such change would result in greater cost or liability for you or your decreased access to your account.

BUSINESS HOURS

Mon. - Thurs., 8:30-4:30 Fri., 8:30-5:00 Sat., 8:30-12:00

Member FDIC 02/2013

WAYNE SAVINGS COMMUNITY BANK 151 N. Market St. Wooster, Ohio 44691 330-264-5767 or 800-414-1103 www.waynesavings.com