PLEASE READ THE ENTIRE AGREEMENT CAREFULLY BEFORE ENROLLING IN THE SERVICE OR INITIATING ANY TRANSACTIONS.

Transcription

1 PLEASE READ THE ENTIRE AGREEMENT CAREFULLY BEFORE ENROLLING IN THE SERVICE OR INITIATING ANY TRANSACTIONS. 1. Scope of this Agreement This Agreement between you and CB&S Bank, 200 Jackson Avenue South, Russellville, Alabama governs your use of our Basic Internet Banking, Treasury Management Internet Banking, Mobile Banking, Mobile Deposit, and Bill Payment services (singly and collectively the Service ). The Service permits our customers to perform a number of banking functions on accounts linked to the Service through the use of a personal computer, cellular phone or other mobile device, and the Internet. 2. Accepting the Agreement After you have carefully read this Agreement in its entirety and the linked Privacy Notice, you will be asked to accept the terms and conditions of this Agreement as may be in effect from time to time. When you accept these terms and condition, you represent and warrant that you are an Authorized User acting with full authority, and that you are duly authorized to execute this Agreement. You should keep an electronic or hard copy of this Agreement for your records. To print, select the print button above. To save a copy of this Agreement on your computer, select File and then Save As on your browser. If you need help printing or saving this document, or if you have any questions about this Agreement, please contact our Customer Service at You can obtain a paper copy of this Agreement at any time. Updates to this Agreement will be sent electronically as further described in this Agreement. WHEN YOU CLICK ON THE ACCEPT BUTTON BELOW, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. BY ACCEPTING, YOU ALSO CERTIFY THAT YOU ARE ABLE AND WILLING TO ACCEPT THE ELECTRONIC VERSION OF THIS DOCUMENT. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT AND/OR DO NOT ACCEPT THE ELECTRONIC VERSION OF THIS DOCUMENT, SELECT THE DO NOT ACCEPT BUTTON. 3. Definitions Agreement means these terms and conditions of the Basic Internet Banking, Treasury Management Internet Banking, Mobile Banking, Mobile Deposit, and Bill Payment Services. Authorized User is any individual or agent whom you allow to use the Service or your Passcode or other means to access your Eligible Account(s). Bill Payment Service Provider refers to the contractor, sub-contractor, or provider of our Bill Payment and Deliver services, CheckFree Services Corporation, a subsidiary of Fiserv Solutions, Inc. Billing Account is the checking account from which all Service fees will be automatically debited. Business Customer refers to anyone other than a Consumer who owns an Eligible Account with respect to which the Service is requested primarily for business purposes. 1

2 Business Day is every Monday through Friday, excluding Federal Reserve holidays. Business Day Cutoff refers to the cutoff time for posting purposes. The cutoff time for online transactions is based upon our Business Days and the Central Standard Time Zone. For posting purposes, we will process all transactions completed by 7:00 pm Central Standard Time on the same Business Day. Transactions completed after 7:00 pm Central Standard Time will be processed on the following Business Day. Bill Payment cutoff and scheduling times may differ and are further detailed in the Terms and Conditions of the Bill Payment Service. Consumer refers to a natural person who owns an Eligible Account at CB&S Bank and who uses the Service primarily for personal, family or household purposes. Eligible Account(s) refer to any one of your account(s) with CB&S Bank that is associated with your social security number or tax identification number. Only a checking or NOW Account may be eligible for Bill Payment Services. Only a checking, NOW or savings account may be eligible for Mobile Deposit Services. You may request Internet access to any account that you are a signer or owner. If you or your Authorized Users desire features of the Service that allow you to initiate Bill Payments, transfers, ACH transactions, or otherwise remove funds from an account, you must have the required withdrawal authority over the relevant Eligible Account. When using the Service, you agree to maintain one or more Eligible Accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the Service. External Transfer Service is a feature of Basic Internet Banking which permits you to transfer funds from an Eligible Account to an account at another financial institution. Internet Banking means the Service we provide under this Agreement whereby you may use your PC (and/or Wireless Device in the context of the Mobile Banking Service) to execute certain transactions and inquiries as described in this Agreement. Joint Account(s) refers to accounts that are jointly held. If the Eligible Accounts added to the Service are Joint Accounts, you agree that access to the information and all transactions initiated by the use of your Access ID and Passcode are authorized unless we have been notified to cancel the Service. If joint account holders use individual Access IDs, the Service may be identified separately and you may be charged for the use of additional Access IDs. In some cases, if your account(s) require two signatures for withdrawal, we may only grant view privileges to your Eligible Accounts through the Service. Mobile Device means a supported mobile phone or tablet. Mobile Deposit services require Mobile Devices to have a supported camera, operating system, and data plan as well as a downloaded App. Service means the Basic Internet Banking, Treasury Management Internet Banking, Mobile Banking, Mobile Deposit, and Bill Payment services offered by CB&S Bank through its Service Providers. 2

3 Service Provider includes any agent, licensor, independent contractor or subcontractor that CB&S Bank may involve in the provision of Basic Internet Banking, Treasury Management Internet Banking, Mobile Banking, and Bill Payment. You and Your refer to the person enrolling in the Service, owner of the Eligible Accounts, as well as any Authorized User that such person allows, subject to the parameters of multiple user access as set forth within the Service. We, Us, and Our refer to CB&S Bank and any agent, independent contractor, service provider, subcontractor, licensor, designee, or assignee that CB&S Bank may involve in the provision of the Service. 4. Basic Internet Banking Services The Basic Internet features currently available through the Service include: Up to 24 months of complete Internet transactional detail and history Account Inquiries for balances, rates, etc. Copies of monthly account statements and notices Transfers between your Eligible Accounts at CB&S Bank Transfers between your Eligible Accounts at CB&S Bank and other financial institutions, subject to daily limits Secure s via the Service s messaging system Secure file transfers Payments to loans at CB&S Bank Online check reorders Stop payments on checks you have written Transaction downloads Stop Payment Feature o The stop payment feature within the Service is only for stopping payments on checks that you have written. This feature provides a means to securely forward your stop payment requests to us for processing. o Stop payment requests for electronic transactions should be handled by calling our Customer Service at o The stop payment feature within the Service should NOT be used to cancel transfers and Bill Payments. o There is a stop payment fee associated with this feature. Please refer to our fee schedule for additional information or contact us at Additional terms of acceptance or disclosures may apply on the stop payment service and these disclosures will be made at the time you complete the request. Secure and Secure File Delivery Services o Additional features within the Service include secure s and secure file delivery. The submission of requests will generate a secure to CB&S Bank. Generally, requests received through the Service s secure feature will be processed within one to two Business Days. For urgent requests, we recommend that you contact Customer Service at The secure file transfer feature within the Service provides a means for you to forward files to CB&S Bank in a secure manner. There may be additional fees associated with some of these services. 3

4 Check Reorders o We offer a direct link for check reorders. This link will securely submit your reorder request directly to the check printer. Check printing fees will apply. For questions regarding the cost of checks, contact Customer Service at Mobile Banking is a service that is available to all consumer and business customers who have requested Basic Internet Banking services. The basic features of Mobile Banking include account inquiries for balances, rates, transaction history, and other account details, the capability to transfer funds between accounts within CB&S Bank, make deposits for approved users, and bill payment services. You may also be required to accept or acknowledge other terms, provisions, or conditions in order to use certain features or functionality of the Mobile Banking Service. Such terms, provisions, and conditions constitute a part of the Mobile Banking Service Terms and the Agreement. When you ask us to activate the Mobile Banking Service, and each time you use or allow others to use the Mobile Banking Service, you confirm your agreement to abide and be bound by the terms and conditions of the Mobile Banking Service as in effect at that time. Mobile Deposit services are optional and subject to bank approval. In order to be eligible to use the service, your account(s) must meet qualification criteria set by the bank. This service allows consumer and business customers to make deposits to an Eligible Account from a mobile device and delivers the images and associated deposit information to CB&S Bank or a third-party processor designated by CB&S Bank. Bill Payment services are optional. You can request Bill Payment privileges in the online enrollment process or you can add Bill Payment services online at a later time. Bill Payment customers also have access to electronic Bill Presentment or Bill Delivery, and Popmoney, a person-to-person payment system. Chat Online is a service that is available to customers during regular business hours as a secure way to communicate with our Customer Service. Customer Service Representatives will follow normal bank procedures to verify customer identity when communicating with customers through the Chat feature. We may add or remove certain features and/or functionality available from time to time. You can use the Service seven days a week, 24 hours a day, although some or all features may not be available occasionally due to emergencies or scheduled system maintenance. In addition, access to the Service may be slower at times due to high Internet traffic or other factors beyond our control. 6. Treasury Management Internet Banking Services Additional Internet features are currently available for Treasury Management Business Customers only and not available to Consumers. These features are subject to additional terms and conditions as set forth in separate documentation. ACH Credit and Debit Origination Wire Transfer Requests Direct Deposit Originations EFTPS (Electronic Federal Tax Payment System) Repurchase Agreement Tracking NACHA File Imports Balance Reporting Security Tokens 4

5 We may add or remove certain features and/or functionality from time to time. Treasury Management Business Customers interested in these services should contact Customer Service at for additional information. Additional fees may apply. 7. Fees The following fees are subject to change at any time. Basic Internet Banking Service: No charge Treasury Management Internet Banking Service: No charge Mobile Banking: CB&S Bank does not currently charge for this service. Charges and fees may apply from your cellular service provider. Contact your cellular service provider for information regarding charges and fees you may incur. Mobile Deposit: CB&S Bank does not currently charge for this service. Charges and fees may apply from your cellular service provider. Contact your cellular service provider for information regarding charges and fees you may incur. Bill Payment: Bill Payment is free for Consumers. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. Bill Payment also requires the agreement to the Terms and Conditions of the Bill Payment Service. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. 8. Requirements for Enrolling in the Service In order to enroll in the Service: You must have an Eligible Account with CB&S Bank. Your account with us must be in good standing. You must be 18 years of age or older. You must be a resident of the United States or its possessions. You must have a computer and Internet browser that will support 128 bit encryption. You must have Internet access through an Internet service provider (ISP). You must have access to a printer and/or other storage medium such as a hard drive for downloading information or printing disclosures. You must have an external address for the delivery of electronic notices and disclosures. Prior to enrolling in the Service and accepting the electronic version of this Agreement, you should verify that you have the required hardware and software necessary to access the Service and to retain a copy of this Agreement. 5

6 If we revise hardware and software requirements, and if there is a material chance that the changes may impact your ability to access the Service, we will give you advance notice of these changes, if possible, and provide you an opportunity to cancel the Service and/or change your method of receiving electronic disclosures without the imposition of any fees. In order to utilize the Mobile Banking services you must have a cellular phone or mobile device equipped with an Internet browser that will support Secure Socket Layer encryption technology. 9. Enrollment Process You must complete the enrollment process to use the Service. The Internet enrollment process involves completing a secure online application that we will use to verify your identity. You will also choose your Access ID and Passcode during the enrollment process. When you enroll for the Service, you agree to provide true and accurate enrollment information. Our Internet Banking System will verify the information you submit for accuracy and proper authorizations. If the information you have provided is accurate, you will have immediate access to the Basic Internet Banking Service. If the information is not accurate, or you have additional questions about the enrollment process online, you may contact our Customer Service at Business Customers interested in the commercial features of the Service should contact us directly. 10. Linked Accounts When you first enroll for Basic Internet Banking Service we will link all of your designated Eligible Accounts to one Access ID. If you want to limit the accounts linked or the privileges assigned to an account, please contact us at With the exception of sole proprietors, Business Customers may not link personal Consumer accounts to the Service. 11. Signature Requirements When any transfer, ACH or other Payment Instruction is initiated through the Service for your benefit, you agree that we may debit the designated Eligible Accounts without requiring your signature on the item and without any notice to you. Requirements for dual signatures on checks, if applicable, do NOT apply to Bill Payments or any other transfer initiated through the Service. Any Authorized User must be authorized individually to make electronic transfers and online Bill Payments even though that person s authority to make transfers by other means may still require dual signatures. We are entitled to assume that any Authorized User is authorized to act individually. 12. Account Balances Balances shown in your accounts may include deposits subject to verification by us. The balance reflected in the Service may differ from your records due to deposits in progress, checks outstanding, or other withdrawals, payments or charges. 13. Cancelling or Changing Transfers You cannot cancel a transfer after it has been entered into the system AND the information has been processed and/or transmitted to us through the Service; however, you can edit or change a transfer that is still in pending status. For Business Customers, the term transfers also includes ACH and wire transactions. 6

7 In order to cancel or change a pending transfer that has not been submitted to us for processing, use the following procedures: Log in and make edits to the appropriate transaction. Edits must be made before 7:00 pm Central Standard Time for transactions to be processed the same Business Day. For Business Customers, ACH and wire transaction edits must be made before 4:00 pm Central Standard Time. You may edit a pre-scheduled (future dated/automatic) transaction any time before 7:00 pm Central Standard Time on the Business Day before the scheduled transfer or payment date. For transfers, you can change the transfer amount to $0.00. If you accidentally transfer funds, you can schedule another transfer to move funds back to the original account. For Business Customers, additional guidance on creating, cancelling, editing ACH and wire transactions is available within the Service and from our Customer Service. Business Customers may edit or delete unapproved ACH or wire transfers prior to the effective date. After cutoff time or after transfers are approved by CB&S Bank, if changes are necessary, we may not have sufficient time to stop such transactions from further processing. Separate agreements detail the required timeframes for submitting and making changes to these types of transactions. If you need assistance to make edits to automatic/future dated transfers, you can send us a secure through the Service; however, we must receive your request three Business Days or more before the transaction is scheduled to process. If you call, we may also require you to put your request in writing to us within 14 days after the call. 14. External Transfers A. External transfers are ACH transfers initiated through the Service between a CB&S Bank Account and an account that you own and have the authority to transfer funds at another financial institution within the United States. External transfers may not be initiated between your CB&S Bank Eligible Account and an account for which you are not an owner and have the authority to transfer funds. External Transfer Service is available only for Consumer accounts. All external transfers are subject to the rules and regulations of the other financial institution. You agree not to transfer any funds to or from an external account where that transaction would not be allowed under the rules or regulations applicable to such accounts. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds to or from an external account. B. Enrollment External Transfer Service is an optional feature that you may request by contacting Customer Service. After requesting this feature to be enabled, you will need to enroll an external account before you can transfer funds to or from that account. To enroll an external account, you must enter the ABA Routing and Transit number, account number, and type of account (checking or savings). CB&S Bank reserves the 7

8 right to reject an enrollment request for any reason, including without limitation potential fraud or misuse, limitations as outlined by the United States Department of Treasury s Office of Foreign Asset Control (OFAC), or an incomplete enrollment. You agree to enroll only personal accounts, as business, corporate, or organization accounts are not allowed. Small transactions, called micropayments, will be sent to the external account. You must verify the amounts of these micropayments as evidence that you have access to the external account before transfers may be initiated. It is your responsibility to ensure you enter valid and correct information. External transfers sent to invalid or incorrect account numbers may not be recoverable. If you provide invalid or incorrect information, CB&S Bank will NOT be responsible for returning funds due to an unrecoverable transfer. When establishing a new external transfer account, CB&S Bank has the right, although is under no obligation, to require verbal or written authorization before allowing transfers to process. Fees may apply for External Transfers. Please refer to the current Fee Schedule for details. C. Funding Funding for transfers to another financial institution through the External Transfer Service must be available two Business Days prior to the effective date for the transfer to be processed. You may not make external transfers in excess of the collected funds in your account. If your account has insufficient funds to cover an external transfer, CB&S Bank may, at its sole discretion: Honor the funds transfer under the terms of any CB&S Bank overdraft plan you have established. Honor the funds transfer and create an overdraft in your account. CB&S Bank may hold balances in your other CB&S Bank accounts until the overdraft is paid. Refuse to honor the funds transfer. Cancel any and all external transfers to any and all external accounts. Fees may apply to any of the above remedies. Please refer to the current Fee Schedule for details. D. Processing External Transfers Outbound transfers from this service will be considered as a three (3) Business Day transfer. Requests for external transfers will be processed on the current Business Day if initiated by the cutoff time of 7:00 pm Central Standard Time. If you initiate a transfer that is not on a Business Day or is on an established holiday, CB&S Bank will not process your request until the next Business Day. E. Delays or Cancellations CB&S Bank may reject any request for transfer at any time for any reason, at its discretion. For example, CB&S Bank may reject your request if the request exceeds your daily or monthly transfer limit, if your Eligible Account exceeds its available funds, if your request is incomplete, if CB&S Bank identifies a security risk related to you or the requested transfer, or if we are unable to fulfill the request for any other reason. You may cancel or amend an external transfer request only if we receive your request prior to the approval of the external transfer and at a time that provides us with a reasonable opportunity to act upon 8

9 the request. CB&S Bank will not be liable to you for any loss resulting from the failure of the beneficiary bank to agree to the recall or amendment of your external transfer request. You agree CB&S Bank will not be responsible for any delay, failure to execute, or misexecution of your external transfer request due to circumstances beyond our control; including without limitation, any inaccuracy, interruption, delay in transmission, or failure in the means of transmission of your request to the bank or execution of such request, whether caused by power failures, equipment malfunctions, or acts or omissions of any intermediary bank or beneficiary bank. CB&S Bank makes no warranties, express or implied, including the failure of any intermediary bank or beneficiary bank to credit your beneficiary bank with the amount of the external transfer after receipt of same with respect to any matter. F. Suspension or Reinstatement of External Transfer Service In the event we, at any time, incur a problem with your use of the Service, including without limitation, a failure on the External Transfer Service to debit any of your accounts or to collect with respect to any of your transfers as described above, and without limiting any other right or remedy we may have under this agreement or otherwise, we reserve the right to suspend your use of the service, immediately and without prior notice to you. You understand and agree such action is reasonable for CB&S Bank to take in order to protect itself from loss. In the event of such suspension, you may request reinstatement of your service by contacting us. CB&S Bank reserves the right in its sole discretion to grant or deny reinstatement of your use of the service. In the event we agree to reinstate you, we reserve the right to lower per transaction, daily and/or monthly dollar limits and/or other restrictions that otherwise might be available to you. Based upon your subsequent usage of the Service, CB&S Bank, it its sole discretion may thereafter restore your ability to effect transfers subject to such higher limits as may then be in effect. G. Limits The standard limits for transfers to or from another financial institution through the External Transfer Service are usually limited to a total of $1, per Business Day and $5,000 per month. CB&S Bank reserves the right to lower per transaction, daily, and/or monthly limits immediately and without prior notice to you if we incur a problem with your use of the service. To request a limit other than the standard limit, contact CB&S Bank. CB&S Bank will, in its sole discretion, determine if an increased limit may be granted. H. Discontinuation/Termination You may terminate your External Transfer Service at any time by contacting CB&S Bank. Once the service has terminated for any reason, you will have no further right or access to use the External Transfer Service. You also agree CB&S Bank may terminate your access to the External Transfer Service, without prior notice, upon the occurrence of any of, but not limited to, the following events or any other event that creates an unanticipated liability for this financial institution: Any of your accounts (not limited to Eligible Accounts) with CB&S Bank are not current or are not in good standing; 9

10 You have an overdraft or an item returned for insufficient funds with respect to your Eligible Account during the current or three prior calendar months; We determine that you have established, or attempted to establish, an external transfer to an account that you do not own and/or do not have the authority to transfer funds; or, You have had any prior external transfers canceled, revoked, or not completed due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason. Further, we may modify or discontinue the Service, with or without notice, without liability to you at any time. We reserve the right, subject to applicable law and regulation, to terminate your right to use the External Transfer Service at any time, for any reason, including, without limitation, in our sole judgment, if we believe you have engaged in conduct or activities that violate any of the terms of this agreement or, if you provide us with false or misleading information or interfere with other users or in the administration of the service. 15. Mobile Deposit A. Equipment To use Mobile Deposit, you must have a supported Mobile Device. A list of Mobile Devices (including the mobile device cameras, and mobile device operating systems) that we support and instructions for downloading the App for such mobile devices are available by contacting Customer Service. We do not guarantee that your particular mobile device, mobile device camera, mobile device operating system or mobile carrier will be compatible with Mobile Deposit. B. Limitations When using Mobile Deposit, you may experience technical or other difficulties. We do not assume responsibility for any such difficulties or any resulting damages that you may incur. For security reasons, Mobile Deposit has qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue Mobile Deposit, in whole or in part, or your use of Mobile Deposit, in whole or in part, immediately and at any time without prior notice to you. We reserve the right to limit the number of Mobile Devices through which you may access Mobile Deposit. Except as expressly provided in this Agreement, deposits made though Mobile Deposit are subject to all limitations and terms set forth in the relevant deposit agreement governing your Eligible Account as it may be modified from time to time, including, but not limited to, those related to deposit acceptance, crediting, collection, endorsement, processing order and errors. C. Eligible Checks and Items You agree to scan and transmit only checks as that term is defined in Federal Reserve Regulation CC ( Reg CC ) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under Mobile Deposit. 10

11 You agree that the image of the check transmitted to us shall be deemed an item within the meaning of Article 4 of the applicable Uniform Commercial Code. You agree that you will not use Mobile Deposit to scan and deposit any checks or other items as shown below: Checks or items payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. Checks payable jointly, unless deposited into an account in the name of all payees. Checks or items containing alteration to any of the fields on the front of the check or item (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. Checks or items previously converted to a substitute check, as defined in Reg CC. Checks or items drawn on a financial institution located outside the United States. Checks or items that are remotely created checks, as defined in Reg CC. Checks or items not payable in United States currency. Checks or items dated more than 6 months prior to the date of deposit. Checks or items on which a stop payment order has been issued or for which there are insufficient funds. Checks payable on sight or payable through Drafts, as defined in Reg CC. Checks that have previously been submitted through Mobile Deposit or through a deposit service offered at any other financial institution. Checks that are in any way incomplete. Checks on which the numerical and written amount are different. Checks that have been previously returned unpaid by the financial institution on which they are drawn. Checks that are payable to Cash. Money Orders. Checks or items prohibited by our current procedures relating to Mobile Deposit or which are otherwise not acceptable under the terms of your Deposit Agreement. Nothing in this Agreement should be construed as requiring us to accept any check or item for deposit, even if we have accepted that type of check or item previously. Nor shall we be required to identify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Agreement. D. Security of Your Mobile Device and Account Information You are responsible for (i) maintaining the confidentiality and security of your Mobile Devices, access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access Mobile Deposit (collectively, "Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store, transmit or use in or with Mobile Deposit (collectively, "Account Information"). You agree not to supply your Access Information to anyone. You will be responsible for all electronic communications, including image transmissions, and other data ("Communications") entered using the Access Information. Any Communications received through the use of the Access Information will be deemed to be sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Access Information, including your Mobile Devices. We reserve the right to deny you access to Mobile Deposit (or any part thereof) if we believe that any loss, theft or unauthorized 11

12 use of Access Information has occurred. E. Image Quality The image of a check or item transmitted to CB&S Bank using Mobile Deposit must be legible, as determined in the sole discretion of CB&S Bank. The image quality of the checks and items must comply with the standards established from time to time by the American National Standards Institute (ANSI), The Board of Governors of the Federal Reserve, or any higher standard set by us, and with any requirements set by any clearing house we use or agreement we have with respect to processing checks or items. You agree that we shall not be liable for any damages resulting from a check or item s poor image quality, including those related to rejection of or the delayed or improper crediting of such a check or item, or from any inaccurate information you supply regarding the check or item. CB&S Bank accepts no liability and makes no guarantee that its image standards will be acceptable to other banks when presented for payment. F. Endorsements and Procedures Before transmission, you agree to restrictively endorse any check or item transmitted through Mobile Deposit as For deposit only, CB&S account # or as otherwise instructed by CB&S Bank. You agree to follow any and all other procedures and instructions for use of Mobile Deposit as we may establish from time to time. You agree to supply any information in your possession that we request regarding a check or item deposited or attempted to be deposited through Mobile Deposit. G. Receipt of Items We reserve the right to reject any check or item transmitted through Mobile Deposit, at our discretion, without liability to you. We are not responsible for checks or items we do not receive in accordance with this Agreement or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation from CB&S Bank that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, able to be processed or complete or that funds will be credited for that check or item. H. Availability of Funds You agree that items transmitted using Mobile Deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. Generally, and except as otherwise provided herein, items transmitted using Mobile Deposits will be available subject to the terms specified in the Deposit Agreement. If you make a deposit using Mobile Deposits before 4:00 pm Central Standard Time on a business day that CB&S Bank is open, CB&S Bank will consider that day to be the day of your deposit. However, if you make a deposit using Mobile Deposits after 4:00 pm Central Standard Time or on a day that we are not open, CB&S Bank will consider that deposit to have been made on the next business day that CB&S Bank is open. CB&S Bank may make such funds available sooner based on such factors as creditworthiness, the length and extent of your relationship with CB&S Bank, transaction and experience information, and such other factors as CB&S Bank, in its sole discretion, deems relevant. You acknowledge that all credits given by CB&S Bank for an item are provisional, subject to verification and final settlement. CB&S Bank shall have no liability for the return or refusal of any item. CB&S Bank reserves the right to hold funds longer. I. Disposal of Transmitted Checks and Items 12

13 Upon your receipt of a confirmation from CB&S Bank that we have received an image that you have transmitted, you agree to retain the check in safekeeping in a secure environment for at least thirty (30) calendar days from the date of the image transmission. After thirty (30) days, you agree to destroy the check that you transmitted as an image, mark it VOID, or otherwise render it incapable of further transmission, deposit, or presentment. Image quality is reviewed by CB&S Bank after submission; however, if the receiving bank does not accept the image, you may be required to present the original check for payment. During the time the retained check is available, you agree to promptly provide it to CB&S Bank upon request. CB&S Bank assumes no liability for losses you may incur if the receiving bank does not accept your image and you are unable or unwilling to present the original check for payment. J. Deposit Limits CB&S Bank may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, CB&S Bank may reject your deposit. If CB&S Bank permits you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and CB&S Bank will not be obligated to allow such a deposit at other times. The current daily dollar limit is $1, per business day per account, for a maximum monthly limit of $20,000. Daily and monthly Mobile Deposit limits may be adjusted for qualifying customers. There is currently no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded. Daily and monthly deposit limits may vary for users of other services provided by CB&S Bank or its affiliates. K. Presentment The manner in which the checks and items are cleared, presented (or represented) for payment, and collected shall be in CB&S Bank s sole discretion as set forth in the relevant deposit account agreement governing your Account. L. Promises You Make to Us; Indemnity You warrant to CB&S Bank that: You will only transmit eligible checks and items that you are entitled to endorse; all checks and items will include all signatures required for their negotiation. Images will meet CB&S Bank s image quality standards in effect from time to time. You will not transmit an image or images of the same check or item to us more than once and will not deposit or negotiate, or seek to deposit or negotiate, such check or item with any other party. You will not deposit or represent the original check or item with CB&S Bank or any other party. All information you provide to CB&S Bank is accurate and true, including all images that are transmitted to CB&S Bank which should accurately reflect the front and back of the check or item at the time it was scanned. You will comply with this Agreement and all applicable rules, laws and regulations. You will use Mobile Deposit only for your own deposits and will not allow the use of Mobile Deposit by way of a service bureau business, timesharing, or otherwise disclose or allow use of Mobile Deposit by or for the benefit of any third party. You agree to indemnify and hold harmless CB&S Bank from any loss for breach of this warranty provision or the terms of this Agreement. 16. Privacy 13

14 We understand how important privacy is to our customers. We have taken steps to protect the privacy and security of your personal information as well as your financial transactions with us. You should read our privacy notice before completing the enrollment process for the Service. a. Disclosure of Account Information to Third Parties 17. Internet Security It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations: i. Where it is necessary for completing transactions; ii. Where it is necessary for activating additional services; iii. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller; iv. To consulting firms, in an aggregate non-personally identifiable format, for research and product improvement purposes only v. In order to comply with a governmental agency or court orders; or vi. If you give us your written permission. Please refer to our privacy notice for additional detail on disclosure of account information. The Service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Access IDs and Passcodes - One of the main security features protecting the Service is the unique combination of your Access Identification Code (Access ID) and Passcode. During the enrollment process, you will be asked to select a unique Access ID, Passcode, and security image that will be used to gain access to the Service. You determine your own Passcode, which is encrypted in our database. Neither CB&S Bank nor its Service Providers have access to this information. The Service will automatically deactivate your account after multiple unsuccessful login attempts. Contact Customer Service for assistance in resetting your Passcode. Because your Passcode is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a Passcode that is hard to guess. You should not use words based on your name, address, social security number, birthday, or other personal information. Special characters may be used to increase security. Do NOT use dictionary words. Keep your Passcode safe. Memorize your Passcode and do NOT write it down. You should also change your Passcode occasionally, such as every 90 days. A Passcode should be changed immediately if you suspect that your Passcode has been compromised. This can be done at any time from the menu after you log on to the Service. Do not use the same Passcode that you use for any other website. 14

15 Do not disclose your Access ID or Passcode to third party account aggregation Service Providers. NEITHER CB&S BANK NOR ITS SERVICE PROVIDERS WILL CONTACT YOU VIA TELEPHONE OR REQUESTING PERSONAL INFORMATION, YOUR ACCESS ID, OR YOUR PASSCODE. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS INFORMATION, PLEASE CONTACT US IMMEDIATELY. Encryption - The Service uses the Secure Socket Layer (SSL) encryption technology. Your browser automatically activates this technology when it attempts to connect to our Service. The Service requires a browser that supports 128-bit encryption. The Service will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Service have been certified by a Certificate Authority to assure you that you are actually talking to the Service instead of someone pretending to be us. If you are using an older browser, you will see that the Certificate Authorities key may have expired; you will need to update your browser. By clicking on the lock within the Service, you can view the certificate to ensure it is valid. Cookies - During your use of the Service, our Internet Banking Service Provider will pass an encrypted cookie to your computer in order to identify your computer during the session. This cookie enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. Users must accept this cookie to use the Service. This cookie does not contain any personal information; it simply provides another level of security for our Internet Banking product. The cookie is stored on your computer s hard-drive, identifying your computer while you are logged on. When you log off, close your browser, or turn off your machine, the cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Additional Security Guidelines: All Authorized Users should sign-off after every Service session; however, online sessions will automatically end after a period of inactivity. This to protect you in case you accidentally leave your computer unattended after you log-in. The security of public computers (e.g. in a library, or Internet café) cannot be assured; therefore we recommend that you refrain from accessing the Service on a public computer. Routinely scan your computer, servers, and electronic media using a reliable virus detection product. Undetected or un-repaired viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit a virus to other computers. Use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem. Periodically update your computer operating system and browser for critical security related patches. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service. 15

16 Business Internet Banking Customers may be subject to additional security requirements as detailed in separate agreements. 18. Your Passcode Responsibilities When you accept the terms and conditions of this Agreement, you agree not to give or make available your Passcode or other means to access your account to any unauthorized individuals. You are responsible for all transfers and Bill Payments you authorize using the Service. If you permit other persons to use the Service, your Passcode, your token, your Access ID, or other means to access your account, you are responsible for any transactions they authorize. If you believe that your Passcode or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify us at once by calling during customer service hours. You can also contact us by sending a secure message through the Service. IF YOU OR YOUR AUTHORIZED USERS DISCLOSE YOUR PASSCODE TO ANYONE, AND/OR IF YOU ALLOW SOMEONE TO USE YOUR PASSCODE TO ACCESS YOUR ACCOUNTS, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM (E.G., SUCH AS WHEN YOU PROVIDE THIS INFORMATION TO A JOINT ACCOUNT HOLDER, AN EMPLOYEE, AND/OR AN AGGREGATION SERVICE PROVIDER). In addition to the security features described above, there may be other security related notices posted on our website or the Service from time-to-time. It is your responsibility to read all security notices. 19. Our Liability for Failure to Complete Transactions in Bill Payment Service We will use commercially reasonable efforts to make all your transfers and Bill Payments properly. However, we shall incur no liability and any Bill Payment Service Guarantee shall be void if we are unable to complete any transactions initiated by you because of the existence of any one or more of the following circumstances: 1. If, through no fault of ours, your Eligible Account(s) does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account (if applicable); 2. The Service and/or the payment processing center is not working properly and you know or have been advised by CB&S Bank and/or its Service Providers about the malfunction before you execute the transaction; 3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller; 4. Your Eligible Account(s), including either your Payment Account or Billing Account, is closed; 5. If your computer, software, telecommunication lines were not working properly and this problem should have been apparent to you when you attempted the transfer or Bill Payment; 6. It can be shown that the Biller received the Bill Payment within the normal delivery timeframe and failed to process the payment through no fault of ours; 7. Your Password or any other account access device has been reported lost or stolen; 8. You have exceeded the limitations on frequency of transactions or dollar amount of transactions applicable to the Service or Service Account; 9. Making a transfer would cause us to violate any law, rule, or regulation to which we are subject; 16

17 10. Your Eligible Account is presumed abandoned under applicable law, or we consider your Eligible Account to be dormant or inactive under our policies and procedures; 11. The payment or transaction request involves funds subject to hold, dispute, restriction, or legal process we believe prevents their withdrawal; 12. We have reason to believe that a payment or other transaction request may not be authorized by you or any third party whose authorization we believe is necessary; and/or 13. Circumstances beyond control of the Service, our Service Providers, and CB&S Bank (such as, but not limited to, loss of power, Internet interruption, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from any of your Eligible Account(s), or Payment Account or causes funds from your Payment Account to be directed to a Biller, which does not comply with your Payment Instructions, CB&S Bank and/or its Service Providers shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges. 20. Documentation and Verification of Payments And Transfers Information regarding Basic Internet Banking, Commercial Internet Banking, Mobile Banking, and Bill Payment transactions will be reflected on the account detail in the Basic Service and in your regular monthly account statement(s). 21. Provisions Applicable Only to Consumer Deposit Accounts THE DISCLOSURES AND TERMS IN THIS SECTION ARE APPLICABLE TO YOU ONLY TO THE EXTENT THAT YOUR USE OF THE SERVICE AND/OR YOUR APPLICABLE SERVICE ACCOUNTS ARE PRIMARILY FOR PERSONAL, FAMILY, OR HOUSEHOLD USE. SUCH DISCLOSURES AND TERMS DO NOT APPLY TO YOU TO THE EXTENT YOUR USE OF THE SERVICE IS FOR NON-CONSUMER PURPOSES. Certain types of transactions that are handled completely or partially electronically are subject to the Electronic Fund Transfer Act ( EFT Act ). These include certain transactions made through the Service. Your rights, protection, and liabilities as a Consumer are outlined in the following disclosure in accordance with the EFT Act. Please read and become familiar with this disclosure. Be sure to retain the telephone numbers and addresses that you may need in order to limit your liability and to resolve problems that you may have concerning electronic transfers. This disclosure supplements other electronic fund transfer disclosures that you may receive in connection with the Service and other electronic fund transfer services affecting your CB&S Bank accounts. a. Errors and Questions In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods: Telephone us at during customer service hours; Contact us by using the secure messaging feature within the Service; or 17