ONLINE BANKING/BILL PAYMENT & PRESENTMENT AGREEMENT AND DISCLOSURE

Transcription

1 ONLINE BANKING/BILL PAYMENT & PRESENTMENT AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclsure ("Agreement") describes yur rights and bligatins as a user f the Online Banking and/r Bill Payment & Presentment service ("Services"). It als describes the rights and bligatins f Clintn Savings Bank ("Bank"). Please read this Agreement carefully. By requesting and using ne f these Services, yu agree t cmply with the terms and cnditins f this Agreement. 1. Definitins The fllwing definitins apply in this Agreement: "Authrized Representative" refers t a persn with authrity (with respect t the accunt); "Bill Payment & Presentment" is the Internet service that enables the scheduling f bill payments using a persnal cmputer, and the receipt f electrnic bills; "ISP" refers t yur Internet Service Prvider; "Online Banking" is the internet-based service prviding access t yur Bank accunt(s); "Online Accunt" means the bank accunt frm which yu will be cnducting transactins using a Service; "Passwrd" is the custmer-generated cde selected by yu fr use during the initial sign-n, r the cdes yu select after the initial sign-n, that establishes yur cnnectin t the Service; "PC" means yur persnal cmputer which enables yu, with the Internet brwser and ISP, t access yur Online Accunt; "Time f day" references are t Eastern Standard Time; "Username" is the identificatin cde fr yur cnnectin t the Service; "We", "us", r "Bank" refer t Clintn Savings Bank, which ffers the Services and which hlds the accunts accessed by the Services; and "Yu" r "yur" refers t the wner f the accunt r the authrized representative. 2. Access t Services The Bank will prvide instructins n hw t use the Online Banking and Bill Payment & Presentment Services. Yu will gain access t yur accunt nline thrugh the use f yur Internet-enabled device, yur ISP, yur Username and yur Passwrd. Yu may access yur accunts nline 24 hurs a day, seven (7) days a week. Hwever, availability f the Services may be suspended fr brief perids f time fr purpses f maintenance, updating and revising the sftware. Fr purpses f transactins, the Bank's business days are Mnday thrugh Friday, excluding hlidays and weekends. All Online Banking transactin requests received after 4:00 p.m. n business days and all transactins which are requested n Saturdays, Sundays, r hlidays n which the Bank chses t remain clsed, will be prcessed n the Bank's next business day. The Bank's business day begins at 9:00 a.m. 3. Banking Transactins with Online Banking 1. Transfer f Funds. In additin t viewing accunt infrmatin, yu may use Online Banking t cnduct the transfer f funds. Yu may make netime transfers r schedule future r recurring transfers such as transfers t make lan payments. Yu may transfer funds amng yur checking accunt(s), savings accunt(s) and mney market accunt(s). NOTE: Because regulatins require the Bank t limit withdrawals and transfers (including Online Banking transfers) frm certain types f accunts, the fllwing limitatins apply: Statement Savings. Transfers frm a Statement Savings Accunt t anther accunt r t third parties by preauthrized, autmatic, telephne, r cmputer transfer are limited t six per statement cycle with n transfers by check, draft, debit card, r similar rder t third parties. Cntinuatin f excess transactins may result in the clsing f the accunt. Mney Market Accunts. Transfers frm a Mney Market Accunt t anther accunt r t third parties by preauthrized, autmatic, telephne, r cmputer transfer are limited t six per statement cycle with n mre than six by check, draft, r similar rder t third parties. Cntinuatin f excess transactins may result in the clsing f the accunt. 2. Additinal Services. New services may be intrduced fr Online Banking frm time t time. The Bank will ntify yu f the existence f these new services thrugh varius means, including ntices psted n the Online Banking website. By using these services when they becme available, yu agree t be bund by the rules that will be made available t yu cncerning these services.

2 4. Schedule f Fees The Bank ffers the benefits and cnvenience f the Online Banking Service t yu free. The Bill Payment & Presentment Service is free fr the first three mnths, beginning with the mnth in which yu enrll fr bill payment. Thereafter, all Basic and Dividend Checking accunts will be charged a flat fee (see Fee Schedule) each mnth fr the Bill Payment & Presentment Service. All ther checking accunt types receive free Bill Payment & Presentment. If applicable, the fee will be deducted autmatically frm yur primary Bill Payment accunt. Fees fr the Bill Payment & Presentment service will be assessed the mnth fllwing service. 5. Statement Optins Clintn Savings Bank ffers the ability fr yu t receive yur statements electrnically, free f charge. Yu may enrll fr this service via the Additinal Services tab within Online Banking. If yu d nt enrll yu will cntinue t receive yur regular accunt statement either mnthly r quarterly, depending n the type f accunt. Once yu enrll fr estatements, any statement accunt(s) that yu subsequently pen and access via Online Banking will autmatically receive estatements. Yu may request paper statements n any accunt at any time, hwever this may require the remval f the accunt(s) frm Online Banking. 6. Use f Yur Security Passwrd Yu are respnsible fr keeping yur passwrd and Online Accunt infrmatin cnfidential. In rder t prtect yurself against fraud, yu shuld adhere t the fllwing guidelines: D nt give ut yur accunt infrmatin, Username r Passwrd; D nt leave yur PC unattended while yu are lgged int the Bank's Online Banking Site; Never leave yur accunt infrmatin within range f thers; and D nt send privileged accunt infrmatin (accunt number, Passwrd, etc.) in any public r general system. If yu suspect any fraudulent activity n yur accunt, call the Bank immediately at r tll free at CSB (4272) between the hurs f 8:00 a.m. t 4:30 p.m., Mnday thrugh Friday. Telephning the Bank is the best way f minimizing yur lsses and liability. (See Sectin 12) If yu need yur Passwrd reset, yu can click the Frgtten Passwrd link n the Online Banking lg in page, r cntact the Bank during business hurs. If yu wuld like t change yur Passwrd, select the My Prfile link within yur Online Banking sessin. 7. Electrnic Mail ( ) If yu send the Bank an message, the Bank will be deemed t have received it n the fllwing business day. Yu shuld nt rely n if yu need t reprt an unauthrized transactin frm ne f yur accunts r if yu need t stp a payment that is scheduled t ccur. NOTE: transmissins utside f the Online Banking site are nt secure. We advise yu nt t send us r ask fr sensitive infrmatin such as accunt numbers, passwrd, accunt infrmatin, etc. via any general r public e- mail system. 8. Bill Payment & Presentment Services The Bill Payment & Presentment Service permits yu t use yur Internet enabled device t direct payments frm yur designated nline Bill Payment Accunt t third parties yu wish t pay, and t receive yur bills electrnically. Yur Bill Payment Accunt must be a checking accunt. 9. Linked Accunts All accunts with the Bank that yu enrll in a service will be linked by yur tax identificatin number. All ther accunt wners must register and enrll their accunts using their tax identificatin number. Once yu becme an Online Banking custmer, any subsequent accunts yu pen will autmatically be added t yur nline banking prfile. 10. Business Accunts If yu are a business, yu must apply, enrll and be apprved fr use f ur Business Online Banking prduct. 11. Term and Terminatin Term. This Agreement will becme effective n the Effective Date and shall remain in full frce and effect until terminatin in accrdance with the fllwing prvisins. Terminatin fr Cause. We may immediately terminate yur electrnic banking privileges withut ntice t yu under the fllwing circumstances: yu d nt pay any fee required by this Agreement when due r yu d nt cmply with the agreement gverning yur depsit r lan accunt(s) r yur accunt(s) are nt maintained in gd standing. We will prmptly ntify yu if we terminate this Agreement r yur use f the Services fr any ther reasn. Terminatin fr Cnvenience. T terminate this Agreement, yu must ntify the Bank and prvide yur name, address, the Service(s) yu are discntinuing, and the terminatin date f the Service(s). When Bill Payment &

3 Presentment is terminated, any prescheduled bill payments made thrugh Online Banking will als be terminated. Yur final charge fr the Bill Payment & Presentment service will be assessed the mnth fllwing terminatin f service. Yu may ntify the Bank by ne f the fllwing methds: By sending an t nlinebanking@clintnsavings.cm By calling , r tll-free at CSB (4272) By writing a letter and either sending it t the fllwing address: Clintn Savings Bank, Attn: Electrnic Banking Department 200 Church Street, Clintn, MA r; By giving it t a Custmer Service Representative at any f ur branch lcatins. If yu d nt sign n t the Service r have any transactin scheduled thrugh the Service fr a cnsecutive 6 mnth perid, yur accunt will be cnsidered inactive and yu may n lnger have access t the Service. Yu may then be required t re-register fr the Service in rder t regain access. 12. Electrnic Fund Transfer Prvisins fr Cnsumers Applicability. These prvisins are nly applicable t nline electrnic fund transfers that credit r debit a cnsumer's checking, savings r ther asset accunt and are subject t the Federal Reserve Bard's Regulatin E (an "EFT") and/r Massachusetts General Law 167B. When applicable, the Bank may rely n any exceptins t these prvisins that are cntained in Regulatin E and/r MGL 167B. All terms that are nt defined in this Agreement but which are defined in the regulatins shall have the same meaning when used in this sectin. Chapter 167B f the Massachusetts General Laws was enacted t prvide a means fr financial institutins, businesses, and cnsumers t cnduct their business relatins mre cnveniently. Transferring funds electrnically will supplement the use f checks, credit, and cash and will nt replace these present methds f ding business. As a cnsumer, yu shuld be aware f yur rights if yu chse t utilize this system. 1. Prhibitin f cmpulsry use. N persn may: -require yu t use a preauthrized electrnic fund transfer as a cnditin f the extensin f credit unless the credit is being extended in cnnectin with an verdraft checking plan, r is being extended t maintain a specified balance in yur accunt, r - require yu either t accept a transfer service r t establish an accunt which is accessed electrnically as cnditins f emplyment r receipt f gvernmental benefit, r -require yu t pay electrnically fr the purchase f gds r services. If yur accunt is t be credited by a preauthrized transfer yu may chse the financial institutin t which the transfer may be made. If the institutin is technically capable f receiving such preauthrized transfer. 2. Waiver f rights. N writing r agreement signed by yu can waive the rights cnferred t yu by Chapter 167B f the Massachusetts General Laws unless yu decide t waive these rights in settlement f a dispute r actin. 3. Refunds. If it is the plicy f a stre r retail business t give cash refunds in return fr an item purchased by cash, then this plicy must als cver refunds fr items purchased by electrnic fund transfer unless it is clearly disclsed at the time the transactin is cnsummated that n cash r credit refunds are given fr payments made by electrnic fund transfers. 4. Suspensin f bligatins. If a persn agrees t accept payment by means f an electrnic fund transfer and the system malfunctins preventing such a transfer, then the cnsumer s bligatin is suspended until the transfer can be cmpleted, unless that persn, in writing, demands payment by ther means. 5. Prhibited means f identificatin. Yur Scial Security number cannt be used as the primary identificatin number althugh it can be used as secndary aid t identify yu. 6. Criminal liability. Prcuring ur using a card, cde r ther means f electrnic access t an accunt with the intent t defraud is a basis fr criminal liability. Yur Liability. The fllwing determines yur liability fr any unauthrized EFT r any series f related unauthrized EFTs: If yu ntify the Bank that yur passwrd was lst r stlen, yur liability will nt exceed $50.00 f the unauthrized EFTs that ccur befre ntificatin. Yu must reprt any unauthrized EFTs that appear n yur peridic statement n later than 60 days after transmittal f the statement t avid liability fr subsequent transfers. Yur liability will nt exceed $50.00 f the unauthrized EFTs that ccurred within the 60-day perid. If the reprt is made rally, we will require that yu send the cmplaint r questin in writing within 10 business days. We will ntify yu with the results f the investigatin within 10 business days and will crrect any errr prmptly. If mre time is needed, hwever, we may take up t 45 calendar days t investigate a cmplaint r questin. If this ccurs, we will credit yur accunt within 10 business days fr the amunt yu think is in errr. This will allw yu t use the mney during the time it takes us t cmplete ur

4 investigatin. If yur cmplaint r questin is nt received in writing within 10 business days, we may nt credit yur accunt until the investigatin is cmpleted. If an alleged errr invlves an electrnic fund transfer utside a state r territry r pssessin f the United States r resulted frm a POS debit card transactin, the applicable time perids fr actin by us are 20 business days (instead f 10) and 90 business days (instead f 45). If we determine that n errr ccurred, we will send yu a written explanatin within three business days after the investigatin is cmplete, and the prvisinal credit may be withdrawn frm yur accunt. Yu may request cpies f the dcuments that were used in the investigatin. Yu may ntify the Bank by telephne, in writing, r by visiting a lcal branch ffice. Ntificatin by general t reprt an unauthrized transactin is nt secure and therefre nt accepted. Telephne Numbers and Addresses. In case f errrs r questins regarding an Online Banking r Bill Payment & Presentment transactin, call , tll-free at CSB (4272), r write us at: Clintn Savings Bank Attn: Electrnic Banking Department 200 Church Street, Clintn, MA We must hear frm yu at the telephne number r address, listed abve, n later than 60 days after we sent yu the FIRST statement n which the prblem r errr appeared. We will need: Yur name and accunt number A descriptin f the errr r the transfer in questin and an explanatin cncerning why yu believe it is an errr r need mre infrmatin The dllar amunt f the suspected errr and date n which it ccurred. Supprting dcumentatin such as a transactin receipt, plice reprt, r ther applicable dcuments. 13. Liability Our Liability. This sectin explains ur liability t yu nly t the extent that any ther agreements, ntices r disclsures have nt separately disclsed ur liability. In n event shall we be liable t yu fr failure t prvide access t yur Online Banking r Bill Payment & Presentment services accunts. Unless therwise required by applicable law, we are nly respnsible fr perfrming the Online Banking and Bill Payment & Presentment services as delineated in this Agreement. We will be liable fr the amunt f any material lsses r damages incurred by yu and resulting directly frm ur grss negligence. We will nt be liable t yu in the fllwing instances: If thrugh n fault f the Bank, yu d nt have enugh mney in yur accunt t make the transfer. If circumstances beynd ur cntrl (such as fire, fld, pwer utage, equipment r technical failure r breakdwn) prevents the transfer despite reasnable precautins that we have taken. If there is a hld n yur accunt, r if access t yur accunt is blcked, in accrdance with banking plicy. If yur funds are subject t a legal prceeding r ther encumbrance restricting the transfer. If yur transfer authrizatin terminates by peratin f law. If yu believe smene has accessed yur accunts withut yur permissin and yu fail t ntify the Bank immediately. If yu have nt prperly fllwed the instructins n hw t make a transfer included in this Agreement. If we have received incmplete r inaccurate infrmatin frm yu r a third party invlving the accunt r transfer. If we have a reasnable basis fr believing that unauthrized use f yur Passwrd r accunt has ccurred r may be ccurring r if yu default under this Agreement, the depsit accunt agreement, a credit agreement r any ther agreement with us, r if we r yu terminate this Agreement. IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT. Indemnificatin. Yu agree t indemnify, defend and hld us, ur affiliate cmpanies, directrs, fficers, emplyees and agents harmless against any third party claim, demand, suit, actin r ther prceeding and any expenses related t an Online Banking r Bill Payment accunt. Third Parties. We are nt liable fr any lss r liability resulting frm any failure f yur equipment r sftware, r that f an internet brwser prvider), by an internet access prvider, r by an nline service prvider, nr will we be liable fr any direct, indirect, special r cnsequential damages resulting frm yur access t r failure t access an Online Banking r Bill Payment & Presentment accunt. Virus Prtectin. The Bank is nt respnsible fr any electrnic virus r viruses that yu may encunter. We suggest that yu rutinely scan yur PC using a virus prtectin prduct. An undetected virus may crrupt and destry yur prgrams, files, and yur hardware. 14. General Terms and Cnditins Bank Agreements. In additin t this Agreement, yu and the Bank agree t be bund by and cmply with the requirements f the agreements applicable t each f yur Online Accunts. Yur use f the Online Banking Service r the Bill Payment & Presentment Service is yur acknwledgment that yu have received these agreements and

5 intend t be bund by them. Yu shuld review ther disclsures including the charges that may be impsed fr electrnic funds transfers r the right t make transfers listed in the fee schedules accmpanying thse disclsures and the fee schedule cntained in this Agreement. We will autmatically deduct any fees related t this Service frm yur designated Bill Payment checking accunt each mnth. Changes and Mdificatins. The Bank may mdify the terms and cnditins applicable t the Services frm time t time. We may send any ntice t yu via and yu will be deemed t have received it three days after it is sent. The revised terms and cnditins shall be effective at the earliest date allwed by applicable law. We reserve the right t terminate this Agreement and yur use f the Services in whle r in part at any time withut prir ntice. Assignment. We may assign this Agreement t an affiliate f the Bank r any successr in interest in the event f a merger, rerganizatin, change f cntrl, acquisitin r sale f all r substantially all assets f the business t which this Agreement is related withut the ther party's prir written cnsent. Ntices. Unless therwise required by applicable law, any ntice r written cmmunicatin given pursuant t this Agreement may be sent t yu electrnically. Disclsure f Infrmatin. We will nly disclse infrmatin t third parties abut yur accunt r transfers yu make under the fllwing circumstances: where it is necessary fr the prvisin f Online Banking and fr cmpleting transfers; in rder t verify the existence and cnditin f yur accunt fr a third party, such as a credit bureau r merchant; in rder t cmply with gvernment r curt rders, r ther reprting requirements; if yu give us yur permissin; t the Bank affiliated cmpanies. Gverning Law. This Agreement is gverned by the laws f the State f Massachusetts and applicable federal law. 15. Expedited Bill Payment Terms and Cnditins This Agreement (the Agreement ) represents the terms and cnditins gverning the Expedited Payment Service and is between CSB and yu as a cnsumer f the Expedited Payment Service. Any references t "we", "us", r "ur" includes any agent, independent cntractr, designee, r assignee that CSB invlves in the prvisin f the Expedited Payment Service, and any references t "yu", "yur", r "yurs" includes yu and any persn authrized by yu t access the Expedited Payment Service. Please review this entire dcument t ensure that yu understand the full scpe f rights and respnsibilities assciated with the Expedited Payment Service. This agreement is an extensin f the agreement in place fr the Bill Pay service. Yu shuld reference that agreement fr infrmatin n what t d if yu believe there is an errr in the service r have a claim related t the service; a descriptin f ur privacy plicy; a descriptin f yur warranties and authrizatins; and a descriptin f additinal limitatins f ur liability in additin t the nes utlined in this dcument. Descriptin f Features: CSB s Expedited Payment Service allws yu t submit payments t participating merchants that will be psted t yur accunt with that merchant n the same day, within the parameters f the Service and ther parameters established by the participating merchants. In rder fr an Expedited Payment t pst n the same day, yu must submit accurate and cmplete infrmatin fr the payment, the payment must be submitted n a day during which the U.S. Federal Reserve System is pen fr peratins, and yu must submit the payment prir t the merchant s designated daily cutff time. Expedited Payments submitted withut cmplete r accurate infrmatin may be rejected r may nt pst n time. Expedited Payments submitted by yu n a nn-federal Reserve business day r submitted by yu after the applicable merchant s daily cutff time will be psted the fllwing Federal Reserve business day. Yu will be charged a fee fr each Expedited Payment yu submit, regardless f whether the payment was prperly submitted. This is NOT a "pay anyne" service where yu can make payments t any payee; with this service yu can nly make Expedited Payments t thse merchants that participate in the prgram and the payments yu make under this service are subject t the rules f each merchant as t hw they define an expedited payment. Hurs f Access Yu can use the Expedited Payment Service seven days a week, twenty-fur hurs a day, althugh sme r all services may nt be available ccasinally due t emergency r scheduled system maintenance, updates r repairs r fr ther reasns beynd ur cntrl. Expedited Payment Service Limits Additinally, fr risk management and security purpses the Expedited Payment Service limits the dllar amunt per payment, as well as the ttal dllar amunt per day. Yu will be given an errr message and prevented frm fully executing any transactin that exceeds these limits. Frm time t time we may mdify the limits t the frequency r amunt f transfers yu

6 can make using the Expedited Payment Service. We d nt disclse these limits fr security purpses. In any event, funds transfers in excess f the then-applicable limits will nt be cmpleted. Fees and ther Deductins The Expedited Payment Service is a transactin-based service. Fr each Expedited Payment, a fee will be added t the amunt f the transactin ($5 fr 1-2 day service and $25 fr vernight service). There are n mnthly r recurring fees assciated with the service. Peridic Statements Yu will nt receive a separate statement fr transactins cnducted thrugh the Expedited Payment service. These transactins will be nted n yur regular peridic statement. Electrnic Cmmunicatin CSB Expedited Payment service is an electrnic Internet based service. Therefre, yu understand that this Agreement will be entered int electrnically. Yu have the right t have this disclsure prvided r made available n paper r in nn-electrnic frm. Yu have the right t withdraw the cnsent t have the disclsure prvided r made available in an electrnic frm, but this will result in the terminatin f yur bill payment service. The cnsent t receive electrnic cnsumer disclsures applies t all future required cnsumer disclsures and any amendments, mdificatins r supplements in cnnectin with the Expedited Payment service. Yu can update yur electrnic cntact infrmatin by using the My Prfile link within Online Banking r calling ur Custmer Service number (4CSB). Yu understand that t access and retain this disclsure and t use the Expedited Payment service, yu must have the fllwing: a PC with a supprted Internet brwser that has ckies enabled and supprts 128 bit encryptin, an Internet cnnectin fr the PC, an address, a printer r sufficient electrnic space t stre this disclsure. Yu understand we will deliver t yu electrnically yur recrds f funds transfers and ther transactins thrugh the Expedited Payment Service, including withut limitatin cnfirmatins f individual transactins, and any ther cmmunicatin related t the Expedited Payment service. Yu understand we will deliver t yu electrnically any custmer service cmmunicatins, including withut limitatin cmmunicatins with respect t claims f errr r unauthrized use f the Expedited Payment Service. CSB's Liability If we d nt cmplete a prperly-submitted Expedited Payment n time r in the crrect amunt accrding t ur agreement with yu, we will be liable fr any late fees and/r finance charges assessed against yu fr the late psting f such payment, excluding any fees r charges assessed n yur ttal utstanding balance with that merchant ("Penalties"). We will nt be liable fr cnsequential damages that might arise frm the payment nt arriving in time. Additinally, there are sme exceptins. We will nt be liable, fr instance: If yu did nt prvide us accurate infrmatin t successfully cmplete the payment. If yu d nt have enugh mney in yur accunt t cmplete the transfer. If yu are unable t schedule a payment because yu have exceeded the risk management limits fr the day. If yu are unable t schedule a payment because the merchant des nt participate in the Expedited Payment service. If yu are unable t schedule a payment because the system is unavailable. If yu schedule the payment fr an incrrect amunt. Mbile Banking Service Addendum The Mbile Banking Services are prvided t yu by Clintn Savings Bank as part f Clintn Savings Bank Online services and pwered by a third Party (the "Licensr") mbile technlgy slutin. Sectin A f this Mbile Banking Service Addendum is a legal agreement between yu and Clintn Savings Bank. Sectin B f this Mbile Banking Service Addendum is a legal agreement between yu and the Licensr.

7 SECTION A 1. Intrductin. This Mbile Banking Service Addendum (this "Addendum") is part f the ONLINE BANKING/BILL PAYMENT & PRESENTMENT AGREEMENT AND DISCLOSURE (the "Agreement"), and is hereby incrprated by reference int the Agreement. In the event f a cnflict r incnsistency between this Addendum and the Agreement, the terms f this Addendum will apply unless therwise prvided in this Addendum. The terms and cnditins f this Addendum gvern yur use f certain nline banking services via a cell phne r ther handheld Mbile Device, as described belw (the "Mbile Banking Service" r "MBS"). We may ffer additinal MBS services and features in the future. Any added MBS services and features will be gverned by this Addendum and the Agreement, and by any terms and cnditins prvided t yu at the time the new MBS service r feature is added r at the time f enrllment fr the feature r service, if applicable. By using MBS, yu accept and agree t all f the terms, cnditins and ntices cntained in this Addendum and the Agreement and accept respnsibility fr yur use f the MBS in accrdance with the terms f this Addendum and the Agreement. Further, as mre specifically set frth in Sectin A f the Agreement, yur use f MBS is subject t the terms and cnditins f any agreement between yu and Clintn Savings Bank that is applicable t the prducts and/r services accessed thrugh MBS, such as the Online Banking / Bill Pay and Presentment Disclsure, Funds Availability Plicy and EFT Agreement. Please read this Addendum, the Agreement, and all such additinal agreements carefully befre using the MBS, and keep a cpy fr yur recrds. In this Addendum, the wrds "yu" and "yur" mean each Clintn Savings Bank nline banking user wh has accessed the MBS, and the terms "we" and "us" refer t Clintn Savings Bank, its successrs and assigns. Unless therwise defined in this Addendum, all capitalized terms shall have the meanings given t them in the Agreement. This Addendum cvers nly the MBS, and it shall nt be cnstrued t apply t ther prducts r services. 2. Services. Clintn Savings Bank Mbile Banking is a persnal financial infrmatin management service that allws yu t access certain accunt infrmatin and perfrm certain transactins using a wireless device, all as are described n ur website at 3. Amendment, Terminatin r Suspensin f Services. Except as therwise required by law, we may in ur sle discretin change these terms, mdify r cancel MBS, at any time, withut ntice. This may include adding new r different terms t, r remving terms frm, this Addendum r the Agreement. When changes are made we will update this Addendum n The website will be updated n r befre the effective date, unless (i) the Licensr has made a mdificatin and did nt prvide Clintn Savings Bank with advance ntice; r (ii) an immediate change is necessary t maintain security r t prevent fraud; r (iii) a legal requirement requires immediate change; in which event this Addendum will be updated within a cmmercially reasnable perid f time By cntinuing t use the MBS, yu agree t any changes r mdificatins. We may terminate r suspend all r any part f the MBS at any time, in ur discretin, withut ntice t yu, and withut liability t yu. N terminatin f the MBS r any part theref will affect yur liability r bligatins under this Addendum r the Agreement accruing prir t the date f terminatin r any prvisins f this Addendum r the Agreement which, by their nature r by express prvisin, are intended t survive terminatin. Each time yu use r allw thers t use MBS, yu cnfirm yur agreement t abide and be bund by the terms and cnditins f MBS and this Addendum as in effect at that time. MBS is nt intended t replace access t yur Clintn Savings Bank Online services frm yur persnal cmputer. Clintn Savings Bank may limit the types and number f accunts eligible fr MBS at any time. Yu agree t immediately install any upgrades, patches r fixes required fr security reasns r therwise fr the prper functining f the MBS, regardless f whether requested by us r ur services prviders. 4. Registratin/Activatin.

8 In rder t access MBS, yu must have a cell phne r ther handheld device that can send and receive infrmatin using the technlgy that supprts this Service (a "Mbile Device"). MBS may nt be available thrugh all mbile service prviders and carriers, and sme mbile phnes and ther wireless devices may nt be supprted.. The technical standards required t access and use MBS (the "Mbile Technical Standards") may vary amng the types f Mbile Devices and telecmmunicatins carriers that supprt MBS, and may be updated frm time t time by the carriers. Yu are respnsible fr satisfying any Mbile Technical Standards.. Yu understand and agree that Licensr r the telecmmunicatin carriers may mdify the supprted Mbile Devices and/r the Mbile Technical Standards at any time, withut prir ntice, and that Licensr, the telecmmunicatin carriers and Clintn Savings Bank shall nt be liable t yu fr yur failure t access r use MBS due t any such mdificatins. Depending n the Mbile Device and telecmmunicatins carrier yu use, yu may be required t dwnlad and install an applicatin r ther sftware t yur Mbile Device (a "Mbile Applicatin") in rder t access and use MBS. It is slely yur respnsibility t dwnlad and prperly install any Mbile Applicatin that is required in rder t access MBS thrugh yur Mbile Device and telecmmunicatins carrier. By dwnlading the Mbile Applicatin, yu agree t the additinal terms and cnditins cntained in the End User License Agreement Terms set frth in Sectin B f this Addendum, and any ther terms and cnditins required by the licensr f the Mbile Applicatin. Yu understand that the Mbile Applicatin is being prvided by a third party, and Clintn Savings Bank has n respnsibility whatsever t yu in cnnectin with the Mbile Applicatin. Yu are slely respnsible fr cmplying with all terms f use applicable t the Mbile Applicatins, and prperly dwnlading, installing, updating, and using the Mbile Applicatins. Clintn Savings Bank has n bligatin whatsever t ntify yu f any changes t r new releases fr any Mbile Applicatin and Clintn Savings Bank shall have n liability fr any claims r damages arising frm r relating t the Mbile Applicatin, r yur failure t cmply with any terms f use fr the Mbile Applicatin r yur failure t dwnlad and prperly install any update. Yu agree that any Mbile Applicatin is licensed, nt sld, slely fr yur use in accessing MBS. Further, any Mbile Applicatin is licensed t yu "AS IS" withut any warranty. Clintn Savings Bank DISCLAIMS ALL WARRANTIES WITH RESPECT TO ANY MOBILE APPLICATION, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. Yu release Clintn Savings Bank, its service prviders, affiliates and all ther parties frm all claims and damages that may arise frm r relate t yur use f any Mbile Applicatin. Yu agree nt t reverse engineer, decmpile, disassemble r attempt t learn the surce cde f any Mbile Applicatin, and yu may nt redistribute any Mbile Applicatin. In rder t access MBS, yu must first register fr Clintn Savings Bank Online Banking lcated at As part f the registratin prcess, yu may be required t prvide infrmatin abut yur Mbile Device, as well as the telephne number fr yur Mbile Device, the telecmmunicatins carrier that prvides service t yur Mbile Device, and the address yu have designated in cnnectin with yur use f Online Banking ("Yur Address"). It is yur respnsibility t prvide us with accurate, cmplete and current infrmatin abut yu and yur Mbile Device (including its telephne number, the telecmmunicatins carrier, and yur Address), and t ntify us immediately if any f this infrmatin changes r if service t yur Mbile Device is terminated. Access t MBS requires the use f Lgin Cdes, and all terms and cnditins in the Agreement relating t Lgin Cdes fr Clintn Savings Bank Online apply t the use f Lgin Cdes fr MBS. Yu accept respnsibility fr making sure that yu understand hw t use MBS befre yu actually d s. Yu als accept respnsibility fr making sure that yu knw hw t prperly use yur Wireless Device and the MBS sftware, including the Mbile Applicatin, as they may be changed r upgraded frm time t time. Clintn Savings Bank may change r upgrade MBS frm time t time. In the event f such changes r upgrades, yu are respnsible fr making sure yu that yu understand hw t use MBS as changed r upgraded. 5. Third Party Fees. Yu are slely respnsible fr fees, including web access, cellular and/r data r text message charges, that may be billed by yur mbile carrier based n yur individual plan. Check with yur mbile carrier fr details n specific fees and charges that may be applicable. 6. Mbile Banking Service Limitatins. It is imprtant that yu understand the limitatins f the MBS, including but nt limited t the fllwing:

9 The balance f yur accunts may change at any time as we prcess items and fees against yur accunts, and the infrmatin prvided t yu thrugh MBS may becme quickly utdated. Because MBS is accessible nly thrugh yur Mbile Device, yur access t MBS may be limited by the service prvided by yur telecmmunicatins carrier. There may be technical r ther difficulties related t MBS. These difficulties may result in lss f data, persnalized settings r ther MBS interruptins. Neither Clintn Savings Bank nr its service prviders assume any respnsibility fr the timeliness, deletin, r misdelivery f any user data, failure t stre user data, cmmunicatins r persnalized settings in cnnectin with yur use f MBS; nr fr the delivery r the accuracy f any infrmatin requested r prvided thrugh MBS. Neither we nr any f ur service prviders assumes respnsibility fr the peratin, security, functinality r availability f any Mbile Device r mbile netwrk which yu utilize t access the MBS, nr guaranty that yu will have cntinuus r uninterrupted access t MBS. We are nt respnsible fr any delay, failure r errr in the transmissin r cntent f infrmatin prvided thrugh MBS. Neither we nr any f ur service prviders and affiliates will be liable fr damages arising frm the nn-delivery, delayed delivery, r imprper delivery f any infrmatin thrugh MBS, frm any inaccurate infrmatin prvided thrugh MBS, frm yur use f r reliance n any infrmatin prvided thrugh MBS, r frm yur inability t access MBS. We will nt be liable t yu fr any lsses caused by yur failure t prperly use MBS r yur Mbile Device. We reserve the right t refuse t make any transactin yu request thrugh MBS fr any reasn. Yu agree and understand that MBS may nt be accessible r may have limited utility ver sme mbile netwrks, such as while raming. Yu agree t exercise cautin when utilizing MBS and/r the Mbile Applicatin n yur Mbile Device and t use gd judgment and discretin when btaining r transmitting infrmatin. Financial infrmatin btained thrugh MBS (including, withut limitatin, any text message alerts) reflects the mst recent accunt infrmatin available thrugh MBS and may nt be accurate r current. Yu agree that neither we nr ur service prviders will be liable fr any errrs r delays in the cntent, r fr any actins taken in reliance theren. Certain features and functins available thrugh the Online Banking Service may nt be available using MBS. Yu understand that the MBS are prvided by Clintn Savings Bank thrugh the Licensr, and Clintn Savings Bank shall nt be liable t yu fr any mdificatin, interruptin r terminatin f all r any prtin f the MBS due t the acts r missins f Licensr r its agents. 7. Security. In additin t the safeguarding and security prvisins set frth in the Agreement, the fllwing prvisins shall apply t yur use f MBS: Once yu have registered fr MBS, yur Mbile Device may be used t btain infrmatin abut yur accunts, and perfrm transactins n and make transfers between accunts. Yu are respnsible fr maintaining the security f yur Mbile Device and yu are respnsible fr all transfers made using yur Mbile Device. MBS will display sensitive infrmatin abut yur accunts, including balances and transfer amunts. Anyne with access t yur Mbile Device may be able t view this infrmatin. In rder t prevent misuse f yur accunts thrugh MBS, yu agree t prtect all lgin credentials assciated with yur accunts and the MBS, and t mnitr yur accunts n a daily basis. In additin t prtecting yur lgin credentials and ther accunt infrmatin, yu shuld als take precautins t prtect yur persnal identificatin infrmatin, such as yur driver's license, Scial Security Number, etc. This infrmatin by itself r tgether with ther accunt infrmatin may allw unauthrized access t yur accunts. Yu are als respnsible fr prtecting and securing all infrmatin and data stred in yur Mbile Device. We strngly recmmend that yu secure yur mbile device thrugh the use f a passcde. 8. Additinal Usage Obligatins.

10 When yu use the Mbile Banking Service t access yur accunts, yu agree t the fllwing terms (which terms shall survive the terminatin f this Addendum r the Agreement): a) Accunt Ownership/Accurate Infrmatin. Yu represent that yu are the legal wner f the accunts and ther financial infrmatin which may be accessed thrugh MBS. Yu represent and agree that all infrmatin yu prvide t us in cnnectin with MBS is accurate, current and cmplete, and that yu have the right t prvide such infrmatin t us fr the purpse f perating MBS. Yu agree t nt misrepresent yur identity r yur accunt infrmatin. Yu agree t keep yur accunt infrmatin up t date and accurate. b) Prprietary Rights. Yu are permitted t use cntent delivered t yu thrugh MBS nly in cnnectin with yur prper use f MBS. Yu may nt cpy, reprduce, distribute, r create derivative wrks frm this cntent. c) User Cnduct. Yu agree nt t use MBS r the cntent r infrmatin delivered thrugh MBS in any way that wuld (i) infringe any third-party cpyright, patent, trademark, trade secret, r ther prprietary rights r rights f publicity r privacy, including any rights in MBS sftware r the Mbile Applicatins, (ii) be fraudulent r invlve the sale f cunterfeit r stlen items, including, but nt limited t, use f MBS t impersnate anther persn r entity, (iii) vilate any law, statute, rdinance r regulatin (including, but nt limited t, thse gverning exprt cntrl, cnsumer prtectin, unfair cmpetitin, anti-discriminatin r false advertising), (iv) be false, misleading r inaccurate, (v) create liability fr us r ur affiliates r service prviders, r cause us t lse (in whle r in part) the services f any f ur service prviders, (vi) be defamatry, trade libelus, unlawfully threatening r unlawfully harassing, (vii) ptentially be perceived as illegal, ffensive r bjectinable, (viii) interfere with r disrupt cmputer netwrks cnnected t MBS, (ix) interfere with r disrupt the use f MBS by any ther user, (x) result in unauthrized entry r access t the cmputer systems r netwrks f thers; (xi) send unslicited electrnic mail messages (als knwn as spam). d) N Cmmercial Use r Re-Sale. Yu agree that MBS is fr persnal use nly. Yu agree nt t resell r make cmmercial use f MBS. e) Yu agree t take every precautin t ensure the safety, security and integrity f yur accunts and transactins when using MBS. Yu agree nt t leave yur Mbile Device unattended while lgged int MBS and t lg ff immediately at the cmpletin f each access by yu. Yu agree nt t prvide yur passwrd r ther access infrmatin t any ther persn. If yu d, we will nt be liable fr any damage resulting t yu. Yu agree t ntify us immediately if yu lse, r change r cancel the number f, yur Mbile Device. If yu believe that smene may have unauthrized access t yur MBS, yu agree t cancel yur MBS assciated with the Mbile Device immediately. Yu agree t prvide us with immediate ntice in the event yu suspect fraud r any unauthrized access t any f yur accunts. Yu agree t cmply with all applicable laws, rules and regulatins in cnnectin with MBS. f) Yu agree t ntify us immediately t disable MBS frm yur Mbile Device if yur lgin credentials have been cmprmised, lst, stlen r used withut yur authrizatin, r if yur Mbile Device has becme cmprmised, lst, stlen r used withut yur authrizatin. g) T the extent that we r ur service prviders require infrmatin abut yu in rder t prvide MBS, yu hereby cnsent t the exchange f such infrmatin between us and such service prviders. 9. Exclusin f Warranties; Limitatin f Liability; Indemnificatin. Limitatins n Clintn Savings Bank s liability are described in the Online Banking/Bill Payment and Presentment disclsure, EFT Agreement, and the Agreement. In additin: YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE MBS IS AT YOUR SOLE RISK. MBS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE MBS IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND CLINTON SAVINGS BANK IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. CLINTON SAVINGS BANK MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY THIRD PARTY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF THE SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CLINTON SAVINGS BANK OR THROUGH OR FROM YOUR USE OF MBS WILL CREATE ANY WARRANTY OR REPRESENTATION NOT EXPRESSLY STATED IN THESE TERMS.

11 YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY FAILURE OR NON-PERFORMANCE OF MBS (INCLUDING ANY SOFTWARE OR THEIR MATERIALS SUPPLIED IN CONNECTION WITH MBS) SHALL BE FOR US TO USE COMMERCIALLY REASONABLE EFFORTS TO CORRECT THE APPLICABLE MOBILE BANKING SERVICE. Sme jurisdictins d nt allw the exclusin f certain warranties, s the abve exclusins may nt apply t yu. Indemnificatin. YOU AGREE TO INDEMNIFY, HOLD HARMLESS AND DEFEND US, OUR OFFICERS, DIRECTORS, EMPLOYEES, SUBSIDIARIES, AFFILIATES, AGENTS, LICENSORS AND SERVICE PROVIDERS FROM AND AGAINST ANY AND ALL THIRD PARTY CLAIMS, LIABILITY, DAMAGES, EXPENSES AND COSTS (INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEYS FEES) CAUSED BY OR ARISING FROM YOUR USE OF MBS, OR THE USE OF MBS BY ANY OF YOUR CO- DEPOSITORS OR ANY OTHER PERSON WHOM YOU HAVE PERMITTED TO USE MBS, YOUR BREACH OF THIS AGREEMENT, YOUR INFRINGEMENT, MISUSE OR MISAPPROPRIATION OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY, AND/OR YOUR COMMISSION OF FRAUD OR ANY OTHER UNLAWFUL ACTIVITY OR CONDUCT. 10. Miscellaneus. a) Cnsent t use f Data. Yu agree that Clintn Savings Bank may cllect infrmatin abut yur Mbile Device, system and applicatin sftware in cnnectin with ffering and perating MBS and t enhance yur experience when using CSB Mbile Services. T read ur privacy statement, visit b) We reserve the right t blck access r delete MBS sftware frm yur Mbile Device if we r ur agents r MBS service prviders have reasn t believe yu are misusing the MBS r therwise nt cmplying with this Addendum r the Agreement, r have reasn t suspect yur Mbile Device has been infected with malicius sftware r virus. c) Clintn Savings Bank is nt respnsible fr translating any f the infrmatin cntained within MBS t any ther language and we are nt respnsible fr the accuracy f any third party translating services. d) Fr assistance with ur Mbile Bank Services visit /mbilebanking r call (4CSB) r visit a lcal Clintn Savings Bank branch. D nt attempt t cmmunicate with a Clintn Savings Bank representative via SMS Text Messaging r any frm f unencrypted electrnic message. e) Clintn Savings Bank may prvide links t third party websites withut endrsing the accuracy r safety f the third party service, and Clintn Savings Bank disclaims all liability fr any linked sites r their cntent. It is imprtant fr yu t take necessary precautins t ensure apprpriate safety frm viruses, wrms, Trjan hrses, and ther ptentially destructive items. When visiting external websites, yu shuld review thse websites' privacy plicies and ther terms f use t learn mre abut hw they cllect and use any persnally identifiable infrmatin. f) Clintn Savings Bank reserves the right t emply "ckie" technlgy t as a prerequisite fr yur use f MBS. Yu must allw the use f "ckies" r MBS may nt functin as intended. g) Yu are respnsible fr the acquisitin, upkeep and management f yur Mbile Devices. Further, yu are respnsible fr prcuring yur wn netwrk r cellular cnnectins. Clintn Savings Bank des nt prvide internet r cellular cnnectivity r the devices assciated with the use f this service. h) Yu are respnsible fr the accuracy f yur data entry and use f the applicatin when accessing accunts and cnducting transactins. Clintn Savings Bank is nt liable fr errrs caused by yur misuse r errr. This includes any errr caused by "pre-filling" r autmated entry dne n yur behalf by the device, system r applicatin sftware. i) Yu are respnsible fr keeping all accunt and lgin credentials private and ensuring that yu d nt dwnlad viruses r malicius sftware that culd put yu cnfidential infrmatin at risk. j) Clintn Savings Bank maintains the right t cntact yu via yur Mbile Device as a means t relay imprtant accunt infrmatin r infrmatin abut the use f MBS fr as lng as yu are enrlled in MBS. k) We specifically d nt warrant that MBS will functin in any freign cuntries.

12 l) Clintn Savings Bank lcatins and driving directins are prvided t yu as cnvenience and we are nt liable fr the accuracy r effectiveness f the infrmatin. We are nt liable fr death r damage as it relates t the use f such lcatin services. m) Clintn Savings Bank shall nt be liable fr any failure t perfrm its bligatins under this Addendum r the Agreement due t the ccurrence f an event beynd ur cntrl (including withut limitatin as fire, fld, pwer utage, acts f Gd, gvernment r civil authrity, civil r labr disturbance, war, rits, r the failure f ur service prviders t perfrm). 11. Third Party Beneficiaries. Yu agree that ur MBS service prviders (including any prvider f the Mbile Applicatin r ther MBS sftware) may rely upn yur agreements and representatins in this Agreement, and such service prviders are third party beneficiaries f such agreements and representatins, with the pwer t enfrce thse prvisins against yu, as applicable and as the circumstances r cntext may require. SECTION B END USER LICENSE AGREEMENT TERMS FOR THE DOWNLOADABLE APP T be Agreed t by End User Prir t Use f the Dwnladable App 1. Ownership. Yu acknwledge and agree that a third party prvider r licensr t yur financial services prvider ("Licensr") is the wner f all right, title and interest in and t the dwnladed sftware t be used fr access t mbile banking services frm yur financial services prvider and the cmputer prgrams cntained therein in machine readable bject cde frm as well as any accmpanying user dcumentatin alng with all subsequent cpies, updates r versins theref which are made available t yu (if any), regardless f the media r frm in which they may exist (cllectively the "Sftware"). 2. License. Subject t the terms and cnditins f this Agreement, yu are hereby granted a limited, nnexclusive license t use the Sftware in accrdance with the terms f this Agreement. All rights nt expressly granted t yu by this Agreement are hereby reserved by the wner f the Sftware. Nthing in this license will entitle yu t receive hard-cpy dcumentatin, technical supprt, telephne assistance, r updates t the Sftware. This Agreement may be terminated at any time, fr any reasn r n reasn. Upn terminatin, yu agree t immediately destry all cpies f the Sftware in yur pssessin r cntrl. 3. Restrictins. Yu shall nt: (i) mdify, revise r create any derivative wrks f the Sftware; (ii) decmpile, reverse engineer r therwise attempt t derive the surce cde fr the Sftware; (iii) redistribute, sell, rent, lease, sublicense, r therwise transfer rights t the Sftware; r (iv) remve r alter any prprietary ntices, legends, symbls r labels in the Sftware, including, but nt limited t, any trademark, lg r cpyright. 4. Disclaimer Warranty. THE SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SOFTWARE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SOFTWARE WILL BE UNINTERRUPTED. YOUR USE OF THE SOFTWARE AND ANY OTHER MATERIAL OR SERVICES DOWNLOADED OR MADE AVAILABLE TO YOU THROUGH THE SOFTWARE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. 5. Limitatins f Warranty. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LICENSOR, THE PROVIDER OF ANY FINANCIAL SERVICES AVAILABLE THROUGH OR RELATED TO THE SOFTWARE, ANY OF THEIR CONTRACTORS OR