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This Agreement and Disclosure sets forth your and our rights and responsibilities concerning the use of our Internet Banking Product. In this agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we”, "us" and "our" mean The Bank. By using Internet Banking, you agree to all of the terms of this agreement.

CB EXPRESS FEATURES
You may access your account information by using a specific Internet User ID and initial password assigned to you. If you have not accessed Internet Banking after a period of 180 days, your account will be deleted and it will be necessary for you to re-enroll using our auto enroll feature.  Additional fees may apply. At the present time you may use the system to:

GENERAL INTERNET BANKING
- Perform account inquiries on checking, savings, certificate and loan accounts
- Obtain statement transaction detail on your accounts
- Transfer funds between your deposit and/or loan accounts
- Process a stop payment
- Access to all current and/or future Community Bank Accounts.

BILL PAYMENT
Initiate bill payments to any merchant or vendor you choose

MOBILE BANKING
Access your CB Express Internet Banking through a mobile device

MESSENGER ALERTS 
Receive alerts on the balance and/or activity of your account(s) via email or text message

FEES AND CHARGES 
- We do not charge for General Internet Banking features
- Normal check fees will be assessed when check orders are processed
- Account will be charged $29.00 for Stop Payments processed through Internet Banking

LIMITATIONS ON FREQUENCY AND AMOUNT
According to Federal Regulations, you may not make more than six(6) pre-authorized or automatic transfers from your money market account during a given monthly statement period. Limitations also apply to savings and statement savings accounts. There are no limits on the number or dollar amount of transfers or payments you make from your checking account. Current balances shown online are as of close of business for the prior business day. Balances may include deposits subject to verification by us. The balance may also differ from your records due to deposits in process, outstanding checks, debit card transactions, ATM or teller withdrawals. We have the right to cancel transactions if sufficient funds are not available in your account.

USER ID AND PASSWORD
The User ID and password issued to you is for your security purposes. Your password is confidential and should not be disclosed to third parties. You are responsible for safekeeping your password. You may change your password at any time by clicking on "Change Password". For security purposes, the system will automatically prompt you to change your password the first time in. You should carefully select a password that is hard to guess. (We suggest that you stay away from names, dates, and information that may be easily guessed.) You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts.

In order to help ensure the security of your records, we will end your online session if we have detected no activity for 15 minutes. We recommend that you do not use options to “Save Password” on Internet Banking.
This is to protect you in case you accidentally leave your computer unattended while you are logged on to the website. When you return to your computer, simply re-enter your user id and password and continue your session.

NO SIGNATURE REQUIREMENT
When any payment or other on-line service generates items to be charged to your account, you agree that we may debit the designated account without requiring your signature on the item and without any notice to you.

BUSINESS DAYS
Our business days are Monday through Friday. Holidays are not included.

CUTOFF TIMES
The following cutoff times pertain to specific Internet Banking features. Transactions received after the cutoff time will be posted the following business day.

Funds Transfers - 7:00 p.m. Central Standard Time
Bill Payments - To ensure that payment is properly credited to your account prior to the payment due date, please allow at least (7) business days from the date payment is submitted for your payment to reach your merchant or vendor. Since each vendor may process payments different, actual experience over time will help you determine the appropriate number of days to allow.

DOCUMENTATION
Periodic Statement: You will get a monthly account statement from us on your checking or savings account.
Confirmation or Receipt: A confirmation or receipt will be displayed at the time you make a transfer, submit a bill payment or place a stop payment. This confirmation or receipt should be printed and kept for your records.

NOTICE OF LIABILITY
Tell us AT ONCE if you believe your password has been lost or stolen. Contacting the bank immediately is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). 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, and we can prove that 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.

If you discover the transactions on a bank statement and fail to notify us within 60 days - maximum liability is $50.00 for transactions that occurred prior to the 60 days and unlimited liability for transactions after the 60 days until the time we are notified. 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 (985) 537-5283, write to us at Community Bank P.O. Box 248, Raceland LA 70394, or send an e-mail to communitybank@cbexpress.com.

OUR LIABILITY FOR INCOMPLETE TRANSACTIONS
If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable only for the actual amount of the transaction. We will NOT be liable for any incidental or consequential losses or damages and there are some other exceptions. We will NOT be liable for instance:
- If, through no fault of ours, you do not have enough money in your account to cover the transaction.
- If the money in your account is subject to legal process or other claim restricting such transaction.
- If the transaction would go over the credit limit on your overdraft line.
- If the terminal or system was not working properly and you knew about the breakdown when you started the transaction.
- If circumstances beyond our control prevent the transaction, despite reasonable precautions that we have taken.
- If any information provided by you about the payee on a bill payment is incorrect.
- If there are any delays in handling the payment by the payee.

IN CASE OF ERRORS OR QUESTIONS
Telephone us (985) 537-5283 or write to us at Community Bank P.O. Box 248, Raceland LA 70394 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than (60) days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number
- 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.
- Tell us the dollar amount of the suspected error.
- Confirmation or Receipt number

For bill payment errors tell us
- Checking account used to pay the bill
- Payee name
- Date the payment was sent
- Confirmation or Receipt number
- Payment amount

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If a notice or error involves an electronic funds transfer that was initiated in a foreign location, the applicable time period for action shall be ten (10) business days and ninety (90) calendar days in place of forty five (45) calendar days.

CONFIDENTIALITY
We will disclose information to third parties about your account or the transaction you make:
- To complete transactions as necessary;
- To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; or
- To comply with government agency or court orders; or
- If you give us your written permission.

VIRUS PROTECTION
The Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

SPYWARE PROTECTION
The Bank is not responsible for any spy ware that may be inadvertently downloaded to your computer. We encourage our customers to install and periodically update anti-spy ware, virus protection and firewall software. Adjust browser settings to prompt you whenever a Web site tries to install a new program or Active-X control. Carefully read all End User Licensing Agreements and avoiding downloading software when license agreements are difficult to understand. Maintain patches to operating systems and browsers. Not opening e-mail from untrustworthy sources.

NOTICES
All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in this agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law.

ENFORCEMENT
In the event either party brings a legal action to enforce this agreement or collects amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.

APPLICABLE REGULATIONS
Use of this service is subject to existing regulations governing your account(s) and any future changes to those regulations.

TERMINATION
You agree that we may terminate this agreement if:
- You or any authorized user of your password breach this or any other agreement with us;
- We have reason to believe that there has been an unauthorized use of your account or password;
- We notify you or any other party to your account that we have canceled or will cancel this Agreement.
- You or any other party to your account can terminate this Agreement by notifying us in writing.

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

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