ONLINE BANKING
DISCLOSURES, TERMS and ACCESS AGREEMENT

 Welcome to CSB Online!

Community State Bank is pleased to offer you the many benefits of Personal and Business Online Banking. Using your computer and the Internet, you will be able to obtain information about your accounts, initiate certain account transactions, view check images, and take advantage of many of the account services we offer to our customers.

All you need is access to the Internet using either Internet Explorer or Netscape Navigator (the latest versions are highly recommended for your greatest security) and a 128-bit Secure Sockets Layer (SSL) encryption protocol. If your browser is not using the latest 128-bit encryption, you will be prompted to upgrade before accessing your accounts.

Please read the Access Agreement and Disclosures outlined below and keep a copy for your records.

The following services are currently available through CSB Online Banking: Account Balance Information, Transaction Inquiries, Transfer Funds, Loan Payments, Online Stop Payments, Online New Account Applications, Bill Pay for personal and business accounts, CSB Messenger, view images of checks and Electronic Statements Online.

In consideration of the Online Banking services ("Services") to be provided by Community State Bank, National Association (CSB) as described from time to time in information distributed by CSB to its customers. In the agreement, "Customer" refers to the person(s) or businesses subscribing to or using the Service, the Customer agrees as follows. You may use a Personal Computer ("PC") through an Internet connection to obtain account balances and transaction information. You may also use your PC to obtain statements on your accounts and to transfer money between your accounts.

Funds must be available in the account from which you wish to transfer or pay bills on the date you submit the transaction. If your account does not have sufficient funds to complete a transfer, the transfer will not be completed.

Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may make no more than six transfers or withdrawals out of such an account per calendar month (not counting transactions made at ATMs, in-person transactions or automatic transfers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If you exceed the restrictions more than three times during a 12-month period, we may close the savings or money market account and transfer the funds to a checking account.

In addition, you may use your PC to electronically direct us to make payments from your account to third parties ("Payees") that you have selected to receive payment through the Service. You may make payments through the Service to any business professional, merchant, family member, or friend. The ("Account") means your designated bill payment checking account at CSB from which we make bill payments on your behalf pursuant to the Agreement. By subscribing to the Service or using the Service to make any payments to a third party, you agree to the terms of the Agreement.

 2. Privacy and Confidentiality

Community State Bank is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. You must also provide both your account number and your password. Once logged in, if no action is taken within 15 minutes, you will be automatically logged off CSB Online Banking.

You are also assured that we will guard your information from third parties except for the following situations:

• When it is necessary to complete a transfer as requested by you.
  
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant when you have authorized the disbursement of such information.
  
• In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal processes.
  
• In order to give information to any government agency or official having legal authority to request such information.
  
• If you give us written permission.
  

4. Equipment

5. Virus Protection

6. Electronic Messaging and Notices

7. New Services

9. Bill Pay

Bill Pay is available for personal and business accounts. You must have a checking account to initiate bill payments.

You may include all utility companies, merchants, financial institutions, insurance companies, individuals, etc. whom you wish to pay through CSB Online Bill Pay. Include a complete mailing address and telephone number for each and your account number with each payee. We reserve the right to decline to make payments to certain persons and entities.

Note: Payments may be made only to payees with a U.S. payment address. You may not make a payment of alimony, child support, taxes, or other governmental fees or court-directed payments through this service.

10. Scheduling Payments Through Bill Pay

11. Types of Payments Through Bill Pay

A single transfer is a transfer made on a one-time basis. A single transfer must be requested prior to 6:00 p.m. Central Time to be posted on the same business day.

• Recurring payments are those made for the same amount and are made on a weekly, bi-monthly, monthly basis, etc. Once started, recurring payments will be made automatically until you tell us to stop or cancel the service and we have a reasonable opportunity to react.
  
  
• Funds must be available in your account(s) on the requested initiation date. If there are insufficient funds in the account to make the payment, we may either refuse to pay the interim or make such payment thereby overdrawing your account(s). In either occurrence, you are responsible for any non-sufficient funds (NSF) or overdraft charges imposed, as stated in our Common Fees brochure.

• If you wish to cancel payments, you may do so by completing the cancellation process available on the Web Site. You must cancel payments prior to 6:00 p.m. on the date you initiated the payment. If you do not cancel your payment prior to 6:00 p.m., you will be responsible for the payment. Do not send payment requests or cancel payment requests via e-mail to the bank.
  
   
• You may view balances and transaction activity on checking, savings, money market, and certificate of deposits, IRA’s, and loan accounts.

12. Delivery of Your Payments and Transfers Through Bill Pay

You may schedule payments to be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in the Agreement. Although you can enter payment information through the Service twenty-four (24) hours a day, seven (7) days a week, payments can be initiated only on business days. Funds will be deducted from your Account on the business day on which a payment is to be "initiated." This date is referred to in this Agreement as the "Transaction Date. If you direct the initiation of a payment to occur on a day other than a business day, it will be initiated on the preceding business day. (Business days are Monday through Friday, excluding Federal holidays). The Bill Payment will be processed on the following business day, once the transaction is initiated.

After funds are withdrawn from your Account, we may remit your payments by mailing your Payee a check, or by electronic funds transfer, including ACH (Automated Clearing House) or by other means. Because of the time it takes to send your payment, your Payees generally will not receive payment on the Transaction Date. This applies regardless of whether the payment is a next-day payment, a future payment, or a recurring payment, as described above. Therefore, in order to provide sufficient time for payments to be received by your Payees, the Transaction Date should be at least seven (7) days prior to the date your payment is due, excluding any applicable grace periods (the "Due Date"). This allows the Payee to adjust to the new form of payment. You may schedule a payment to be initiated on any business day or any future date. Payments must be scheduled by the normal cut-off time of 6 p.m. (Central Time) on any business day in order for the payment to be initiated for that business day. Transfers must be scheduled by the normal cut-off time of 6 p.m. (CT) on any business day in order for the transaction to be completed on that business day.

For each payment submitted, you will receive a Scheduled Payment Confirmation, which will include a confirmation number. We suggest that you keep the confirmation notice until the payment has been received.

13. Our Liability for Failure to Complete Transactions

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 might be liable for some of your losses or damages. However, there are some exceptions. We will not be liable for instance:

Through no fault of ours, your account does not contain enough money to make the transfer or complete the payment;

The transfer or payment would exceed the balance in the deposit account you use for overdraft protection, or the credit limit on your overdraft checking line of credit, or the line has been closed;

• Your computer, the software, phone lines, or the bank’s computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the transfer or the payment;
  
   
• Circumstances beyond our control prevented the transfer or the payment, despite reasonable precautions that we have taken. Such circumstances include telecommunication outages, postal strikes, fires, floods and other natural disasters;
  
   
• We have placed a “hold” on funds in your account or remitted funds to another party with your knowledge, pursuant to reasonable business procedures, or in compliance with legal process such as a garnishment, tax levy, court order, etc.

14. Canceling Payment

15. Statements

In case of errors or questions about your electronic deposit transactions, call the Consumer Operations Department at Community State Bank immediately at:

515-331-3100, toll free at 888-265-4449 option 0,
e-mail depositoperations@bankcsb.com
or write to:

We will tell you the results of our investigation within 10 business days 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 provisionally re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of your 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 ten days, we may not provisionally re-credit your account. If you are a new customer, for electronic funds transfer occurring during the first 30 days after the first deposit is made to your account, the applicable time periods for action by us are up to 20 business days (instead of 10) and 90 calendar days (instead of 45).

If we determine that there is no error, we will send you an explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

19. Authorization to Obtain Information

20. Termination

In the event you wish to discontinue using Community State Bank Online Banking, contact CSB in writing or send us an electronic mail message. We may at any time terminate your Online Banking service. If we terminate this Agreement or your use of the services, we reserve the right to make no further Payments or Transfers from your account(s), including transactions you have previously authorized. On a joint bank account either account holder is authorized to terminate this Agreement or Services. We are not responsible for notifying any remaining account holders of such termination. If you terminate this Agreement or your use of the Services, you authorize us to continue making Payments and Transfers you have previously authorized until such time as we have had a reasonable time to act upon your termination notice. To ensure that no recurring payments are made in the interim, you must cancel such payments; otherwise, we will continue to make such payments until we act on your request. Once we have taken action on our termination, we will make no further Payments or Transfers.

Call Community State Bank’s Internet Banking Department immediately at:

515-331-3100, toll free 888-265-4449 option 0,
e -mail to internetdept@bankcsb.com or
write to:

21. Limitation of Liability

22. Assignment

23. Governing Law

The laws of the state of Iowa shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

24. Amendments

25. Indemnification

26. Security Procedures

Personal Accounts:

The Service is free for setting up, maintaining or using the Online Banking Service for personal accounts, which includes Electronic Statements, Bill Pay and CSB Messenger.

Business Accounts:

A monthly fee of $3.00 plus applicable tax will be charged, regardless of whether or not any of the services are accessed during the month. This includes 15 Bill Payments. An additional $.40 fee plus applicable tax will apply for each Bill Payment in excess of 15. These services include the Online Banking Service, CSB Messenger, and Bill Pay for Business Accounts and Electronic Statements.

The monthly Online Banking fee will be charged to your designated account at CSB regardless of whether or not any bill payments are made during the applicable month. Unless otherwise specifically indicated, all fees shall be deducted automatically on a monthly basis from a payment account you have designated at CSB. We reserve the right to change applicable fees and charges at any time. We will provide you with any notice required by law of any changes to our fees and charges. If the designated account does not have a sufficient balance to pay all applicable fees and charges due, we may exercise our right of setoff against any of your other accounts as provided by law or your Deposit Account Agreement. Any applicable fees and charges will be charged regardless of whether you access or use a service during the billing cycle. You will be notified at 30 days prior to any fee changes being implemented. Please refer to the Fee Schedule for other fees that may be assessed against your account such as Stop Payment request. Charges shall be automatically deducted from your account, and CSB shall provide a monthly notice of such debit(s) on your statement.

You must designate one Account as the account from which all of your Online Banking service fees and charges will be paid (including, without limitation, any service fees for third party services accessed through Online Banking, such as Stop Payments). However, fees and charges such as insufficient funds charges may be charged against the account designated for the transaction. You are responsible for any non-bank charges incurred by accessing Online Banking, including, but not limited to, local or long -distance telephone charges, Internet access fees and any other charges that may be assessed and billed separately. If fees cannot be collected from any of your accounts, CSB may cancel all or some of your Online Services.

CSB will disable Internet access to your account if you have not accessed your account through the Internet for a consecutive 90-day period. Once your Internet access has been deactivated and you wish to reinstate the service, you may reapply for the service online. A fee may be assessed to re-instate Online Banking privileges.

28. CSB Messenger

A message sent by Community State Bank via email or online banking to you, regarding specific account information requested by you or sent by the bank informing you of new services or promotions. By enrolling in CSB Messenger, you can set notifications to be sent to you regarding your account(s). A few examples of notifications could be: transactions that occur on checking, savings, CD’s and loans, such as posting of a specific check, when a balance falls below a specified dollar amount, CD maturity, posting of interest, posting of a loan payment etc.

For more information regarding how to set up your notifications, please refer to the Frequently Asked Questions, found on our website www.bankcsb.com. Select Banking Tools, Online Banking then FAQ.

We reserve the right for the bank to monitor and record all communications and activity related to email messages to or from the bank.

We CANNOT accept notification of lost or stolen PINs, passwords, checks, credit cards, stop payment orders or unauthorized activity on any of your accounts with Community State Bank via email messages. These items need to be reported to us either in person or the US Postal service.

29. Log-in Instructions

You can access CSB Online by accessing our website www.bankcsb.com, the login screen is in the upper right hand corner of the home page. Or, the Online Banking button located on the left side of the home page.

On the Logon screen, enter your User Code and Password. Once entered, click on the Submit button.

If logging in for the first time you will be directed to a Change Password screen. Re-enter your current Password. Tab down to the New Password field and type your self-generated 8-17 character alphanumeric password (minimum 8-character, 2 must be lower case alpha, 2 must be numeric.) Tab down to the next field and confirm your new password by re-typing it. Click on the Submit button.

You should now be directed to your CSB Online Banking page. A list of your accounts should be seen on this page; clicking on the corresponding account number can access each account. There is a Help button at the top of each page for assistance when using the Online Banking program. You will also have access to Bill Pay and CSB Messenger.

Please contact us by email with any questions or problems logging on to CSB Online Banking at internetdept@bankcsb.com.