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Electronic Banking Service Agreement
And Disclosure Statement

Last amended: 03/04/2008

By signing an electronic banking registration form to subscribe to electronic banking and related services offered by Citizens Bank as described in this Service Agreement and Disclosure Statement, you (the account holder) agree to the terms and conditions of this agreement. Each time you use Citizens Bank electronic banking service constitutes confirmation by you of your agreement to and the understanding of the terms of this agreement. Please read this agreement carefully and keep it for future reference.
This agreement is in addition to all other agreements we may have with you including your signature cards or account agreements for your Deposit Account(s) and/or Loan Agreement(s).

PASSWORD; CONFIDENTIALITY OF PASSWORD
All Citizens Bank electronic banking transactions or inquiries must be initiated by use of your Citizens Bank electronic banking password. You may change your password from time to time, as provided in the software programs. It is recommended that you do not use your social security number, birthdays, or other codes that may be easy for others to determine as your password. No bank employee will ever ask for your password, nor should you provide it to anyone unless you intend to allow that person access to your accounts. If you authorize another person to use your password, that person can use Citizens Bank electronic banking services to view any information or initiate any transaction on any of the accounts to the same extent as you, including viewing information or initiating transactions on accounts to which that person would not otherwise have access. As such, sharing your password is strongly discouraged by the Bank, and is done at your sole risk and peril. If a third party should gain access to your password, you alone are responsible for changing the password so as to deny the third party's access to your banking information.
Citizens Bank disclaims any liability for the display or accuracy of your account data by any account aggregation service provided by a third party.
YOU AGREE TO KEEP YOUR PASSWORD CONFIDENTIAL. USE OF THE PASSWORD BY YOU OR BY ANY OTHER PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION COMMUNICATED THROUGH CITIZENS BANK BANKING SYSTEMS.
You should always exit Citizens Bank electronic banking systems after viewing your accounts. Never leave your computer or phone unattended while accessing Citizens Bank electronic banking system. If you should, a third party may be able to access your accounts without ever needing to use your password.

FEES
Access to the Online Banking system is free at this time to you, the customer. This includes making transfers between your Citizens Bank accounts, retrieving and reviewing Citizens Bank account information and making Citizens Bank loan payments using funds from your Citizens Bank deposit accounts.
New program capabilities in the future may have fees associated with them. By using these new features you agree to pay, and authorize us to debit any such fees from the designated account. You will be notified of such fees before you begin using the feature and in this agreement. Any changes in these fees will be designated through updates to this agreement.

AUTHORIZATION
You expressly authorize us to debit the appropriate Deposit Account in the amount of any bank transfer initiated through Citizens Bank’s electronic banking systems, by you or by any other person who is authorized to use your password. You agree that we may treat any such bank transfer from a Deposit Account the same as a duly executed written withdrawal, transfer, or check and that we may treat any such bank transfer to a Deposit Account the same as a deposit, all in accordance with the terms of this agreement and your deposit agreements with us.

HARDWARE AND SOFTWARE REQUIREMENTS
To be able to use Citizens Bank’s Online Banking system, you must obtain your own personal computer (a "PC") with a modem and related equipment (the "Hardware"). You also must provide the type of telephone service and Internet access service required by the Hardware and/or Software. Once the Hardware has been properly connected to the telephone service, and any required internet access has been established, you will be able to access Citizens Bank’s Online Banking site. You are and will remain solely responsible for the purchase, hookup, installation, loading, operation and maintenance of the Hardware, Software, telephone service, and the Internet access service to your PC, and for all related costs. You are solely responsible for scanning the Hardware and Software for computer viruses and other related problems before you use them.

Browser Security:
The encryption system used by the Citizens Bank’s electronic banking system is a Secure Socket Layer system that supports 128-bit encryption. In order to use Citizens Bank’s Online Banking you must have the hardware and/or software to support 128-bit encryption.

INTENDED USAGE
Use of this system is restricted to authorized users. You agree to use Citizens Bank’s electronic banking systems solely for the purpose intended. If any possible suspicious or criminal activity is detected, system records may be provided to the necessary law enforcement officials.
You may use this system to:

1. Transfer funds between any Deposit Accounts, such as checking, savings, or money market deposit accounts;
2. To receive and download balance and transaction information;
3. To make loan payments.

FREQUENCY OF TRANSFERS
You may use your password to make an unlimited number of transfers each day from your checking account. Federal Regulations limit the number of transfers you may make from a savings account or money market account to a maximum of six (6) transfers, including Online Banking transfers, per statement cycle (month).

FAILURE TO MAKE TRANSFERS
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for losses or damages. However, there are some exceptions: We will NOT be liable if (for instance):

1. Through no fault of ours, you do not have enough money in your account to make the transfer; or
2. The terminal/system was not working properly and you knew about the breakdown when you started the transfer; or
3. Circumstances beyond our control prevented the transfer, despite reasonable precautions that we have taken.

There may be other exceptions stated in our agreement with you.

ACCOUNT ACCESS
If you fail to log in three (3) consecutive times the system will lock you out for twelve (12) hours. If you are locked out three (3) consecutive times, your access to the system will be terminated. This will require you to call or come into the bank and reenter a new password before you are subsequently able to use the system.
The electronic banking systems of the Citizens Bank are available to you for your convenience 24 hours a day, 7 days per week. However, due to system maintenance, some or all of Citizens Bank's electronic banking systems may be down. We will attempt to provide prior notice of such interruptions, however we cannot guarantee that such notice will always be possible.

BUSINESS DAYS
Everyday is a business day, except Saturdays, Sundays and federal holidays.

FUNDS AVAILABILITY
Our policy is to make funds, from your deposits, available to you on the first business day after the day we receive your deposit. At that time you can withdraw the funds in cash, or we will use the funds to pay checks that you have written.
If you make a deposit through our Online Banking system before 2:00 p.m. EST on a business day, we will consider that to be the day of your deposit. However, if you make a deposit after 2:00 p.m. EST or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
Please refer to your Funds Availability Disclosure given to you at the time you opened your account for more information on this subject.

LIABILITY DISCLOSURE
Tell us at once if you believe your password has been stolen. Telephoning is the best way of keeping possible losses down. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your password without your permission.
If you do not tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.00.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money had you told us in time.

ADDRESS AND TELEPHONE NUMBER
In case of errors or questions about your electronic transfers or if you believe that your password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call (662) 838-2146 or write, Citizens Bank, P.O. Box 667, Byhalia, MS 38611.
Please inform us as soon as possible. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

In all correspondence please:

1. Include your name and account number;
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within 10 business days.
Within 10 business days after we hear from you we will determine whether an error occurred and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.

ACCOUNT INFORMATION DISCLOSURE
We will disclose information to third parties about your account or the transfer you make:

1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government or court orders; or
4. If you give us your written permission.

PERIODIC STATEMENT
If you use our Online Banking service, you will receive a monthly account statement each month you make a Online Banking transaction.

BILL PAYMENT
You must have established Online Banking with the Citizens Bank and you must have a checking account in order to use Citizens Bank’s BillPay service. Upon approval of your BillPay Enrollment Form, which is available online at www.citizensbyhalia.com, we will initiate the addition of the BillPay service on your account. This should be completed within 3 business days, after which you will receive e-mail notification allowing you to proceed with the enrollment process.

FEES
BillPay is $4.25 per month to Citizens Bank customers.

PAYMENTS NOT ALLOWED
We reserve the right to decline to make payments to certain persons and entities.
For example, you may not:

• make tax or court ordered payments;
• make payments outside the United States; or
• make payments to anyone on the US Department of Treasury's Office of Foreign Assets Control (OFAC) list.

MAXIMUM PAYMENT AMOUNTS
The maximum payment you may make using Citizens Bank’s BillPay is based on the available balance in your account, up to a $5,000.00 daily limit.

PAYMENTS
Although payments may be scheduled 24 hours a day, seven days a week, we will only process payments once per business day at 2:00 PM EST. Everyday is a business day, except Saturdays, Sundays, and federal holidays.
If you schedule a payment after 2:00 PM EST or on a non business day, it will begin processing the next business day.
For bill payments made electronically you should allow 2 business days. For bill payments made by check you should allow 5 business days.
You agree to have available funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested using the BillPay service, as well as any other obligations related to your account at Citizens Bank. Citizens Bank reserves the right to reject or reverse a bill payment request if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in your account you will be charged the current NSF/Overdraft fee as previously disclosed in your account agreements.

LIABILITY
Citizens Bank is not liable for any late payments made through no fault of our own such as:

1. Insufficient funds, or non availability of funds due to legal process or other encumbrances restricting the payment from your account.
2. Non adherence to the terms as set forth in the Electronic Banking Service Agreement and Disclosure Statement.
3. Your failure to provide correct and complete information.
4. Delays in the handling of the payment by the payee.
5. Natural disaster such as a fire, flood, tornado, etc.
6. Delays in postal delivery.
7. Hardware or software failures.

Other applicable laws and/or regulations may also exempt us from liability.

MONITORING OF PAYMENTS
Citizens Bank is not required by law to give you any notification that we have not been able to make a payment. It is the customer's responsibility to monitor these payments coming out of the account.

BILL PAYMENT PRIVILEGE
Citizens Bank is pleased to offer BillPay as a convenience and a privilege to our customers. Please note that Citizens Bank reserves the right to limit an account holder's BillPay privileges in the event those privileges are misused.

BILLPAY INACTIVITY
If you do not use your BillPay for a period of 90 days your BillPay account will be deactivated. To reinstate your BillPay you need to contact your nearest Citizens Bank branch.

BILLPAY SUPPORT
For BillPay support please call 1-866-748-9326.

BILLPAY AMENDMENTS
We may amend this agreement from time to time. You will be notified of changes, either through use of the BillPay system via a secure message or notice of amendment posted on our website www.citizensbyhalia.com and continued use of this service will constitute your agreement to the changes.

TERMINATION
Citizens Bank may terminate your BillPay service at any time. We will notify you of the termination however, we have no obligation to give you advance notice of the termination.

You may terminate this agreement by contacting us. However, Citizens Bank will not be liable for any payments made using the BillPay service until the bank has a reasonable opportunity to act on your termination notice.

AMENDMENTS
We may amend this agreement from time to time. The "Last amended" date will be indicated within the Electronic Banking Service Agreement and Disclosure Statement. It is your sole responsibility to review this agreement and any subsequent amendments to this agreement prior to logging in.

By clicking "Agree" you acknowledge you have read and agree to the above terms and conditions.