Like Andy mentioned, many bank's make their contract/agreement available online through their IB. When our bank began the process of developing our IB system, I went to many bank sites to see what they were covering in their agreements. I found that many are generally the same, just that each bank does have to modify the language to your circumstances. For example, we created seperate agreements for consumer vs commercial accounts because the commercial accounts have more transactional capabilities than the consumer modules, therefore more security procedures needed to be incorporated. Just to highlight some of the issues addressed which might lead you in the right direction would be to look for the agreement to address; Account access, Linking of accounts, email policy, services offered, security procedures,reporting unauthorized transactions, rights and responsibilities for both parties, and privacy statement. Hope this helps.