Customer Name (Please Print)Social Security Number

Please print this application; then, complete and sign it. After signing the application, return it to any branch office, fax it to (570) 476-6258, or mail it to iBank@ESSA, 200 Palmer Street, PO Box L, Stroudsburg, PA 18360-0160. You will be notified by e-mail with instructions for accessing your ESSA accounts.

Customer Name (Please Print)Social Security Number

AddressDate of BirthMother’s Maiden Name

City, State, ZIPEmail Address

Home Phone NumberWork Phone Number

Joint Account Holder Authorization:

In addition to my own accounts, I request access to accounts held jointly with the following:

____

Name Social Security NumberName Social Security Number

_____

Name Social Security NumberName Social Security Number

By signing below, I agree to the Terms and Conditions for ESSA’s iBank@ESSA and TeleBank and agree to be bound by the terms covered in the Electronic Funds Transfer disclosure.

X

Authorized Signer Date

Bill Pay Application

I wish to apply for Bill Pay through iBank@ESSA. Following a free three-month introductory period, I will be charged $5.00 per month. This charge is waived with ESSA Rewards Checking. If I choose to discontinue Bill Pay, I will notify ESSA in writing.

X ____

Signature DateChecking Account Number to be debited for Bill Pay transactions

TeleBank Authorization

I authorize access and transfers (as applicable) through ESSA’s TeleBank on the following accounts:

1) 3) ____

2) 4) ____

By signing below, I agree to the Terms and Conditions for ESSA’s TeleBank and agree to be bound by the terms covered in the Electronic Funds Transfer disclosure.

X

Signature Date

I understand that each account holder has his/her own User Identification and Password that enables use of this service. The account holder is responsible for the confidentiality and use of the User ID and Password. (see Electronic Banking FAQs issued at the time of enrollment for information on secure passwords) Use of this service signifies agreement to the terms and conditions set forth by ESSA with the understanding that they may be amended from time to time.

iBank@ESSA PERSONAL ACCOUNTS APPLICATION – By signing the application, I agree to be bound by the terms covered in the Electronic Funds Transfers Disclosure Statement. The customer who completes and signs the application is the account holder authorizing services for the account(s). The termination of the authorized services may be accomplished only by written notice from the signer and not by the joint owner of the account(s).

iBank@ESSA BUSINESS ACCOUNTS APPLICATION - The authorized signer(s) who completes and signs the application is the account holder authorizing services for the account(s). The termination of the authorized services may be accomplished only by written notice from the authorized signer(s).

The account(s) governed by this Agreement are covered by the individual terms and conditions of the account(s), unless modified by this Agreement. If a transfer is made from a savings account or an interest bearing checking account, ESSA may require seven days’ written notice of withdrawal. This Agreement will remain in effect until terminated by the customer who has completed the Customer Information on this Agreement.

I agree, in consideration of this service rendered by ESSA, to indemnify (repay any loss) and hold harmless from any liability or loss due to the dishonor of any check presented. The liability or loss covered may include both a charge made or refused to be made by ESSA under this Agreement. I agree to follow the rules that govern the account(s) as stated in the account agreement and as amended from time to time. ESSA may take any security measures that are determined to be necessary without notice to me.

TELEPHONE BANKING – I acknowledge that this Agreement also authorizes inquiries and/or transfers through the ESSA TeleBank system on the accounts that are authorized through this Agreement. TeleBank transfers can only be processed between accounts with matching primary Social Security Numbers.

AMENDMENTS AND TERMINATION – ESSA will provide reasonable notice when amending this Agreement. If this Agreement needs to be amended because of a change in state or federal law, the change shall be effective immediately without notice. ESSA may terminate this Agreement by giving written notice at the address stated on the application. Any notice will be effective immediately when mailed or delivered by ESSA. Notice to any one account owner is notice to all.

INACTIVITY – If I do not sign on during any consecutive 30-day period, my account will be considered inactive. To be reactivated, I will contact ESSA at .

ESSA BILL PAY AGREEMENT (if applicable) – I authorize ESSA to verify the information provided on this application. I understand this service is available for qualified customers meeting the bank’s approval guidelines. I authorize ESSA to post payment transactions I generate by Internet from ESSA Bill Pay. I understand that I am in full control of my account. If at any time I decide to discontinue this service, I will provide written notification to ESSA, PO Box L, Stroudsburg, PA 18360-0160, Attention: Electronic Banking Services. My use of ESSA Bill Pay signifies that I have read and accepted the terms and conditions governing this service. I understand that payments may take up to five (5) business days to reach my selected vendors and that they will be sent either electronically or by check. ESSA or its authorized agent will use reasonable efforts to ensure payments reach creditors on time but cannot guarantee the time a payment will be posted by a creditor. ESSA is not liable for any service fees or late charges levied against me by my vendors. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account. Please refer to “Deposit Account Fees and Related Service Charges” disclosure for additional fees and charges (where applicable).

STOP PAYMENT REQUESTS – I authorize ESSA to make any stop payments requested by me in the manner required by law and understand that it must be requested by me in time to give ESSA reasonable time to act on it before ESSA's stop payment cutoff time. To be effective, the stop payment request must precisely identify the number, date, amount of the item, and the payee.

You may stop payment on any item drawn on your account whether you sign the item or not if you have equal or greater right to withdraw from this account than the person who signed the item. A release of the stop payment request may be made only by the person who initiated the stop payment request.

Our stop payment cutoff time is one (1) hour after the opening of the next banking day on which we receive the request. Additional limitations on our obligation to stop payment are provided by law (e.g. we paid the item in cash or we certified the item).

ESSA Bank & Trust - Confidential Page 1 of 2

05/12/2007