Internet Banking Services Agreement

THIS AGREEMENT sets out the terms on which the undersigned ("you") may obtain services from Carroll County State Bank and Council Bluffs Savings Bank a division of Carroll County State Bank (the "Bank") using the Internet.

1. Internet Services. The following Bank services will be available to you through the Internet: check your current account information, transfer funds among your accounts at the Bank, stop payments on checks, and pay bills. You may be required to enter into other agreements in order to use any of these services. The Bank may, at any time, increase or delete any such services, provided that no services will be deleted unless you have been given at least 30 days prior notice. You must provide your own access to the Internet through an Internet provider of your choice and have a functional user ID and password.

Minimum System Requirements:
Operating System
Windows 95, Windows 98 or higher
Mac OS 9 or higher

Browser (128-bit encryption min.)
Recommended Browsers
Microsoft Internet Explorer 6.x (includes AOL 8 & 9)
Netscape 7.2
Mozilla Firefox 1.0
Safari 1.2

* Our site is optimized for use with certified/recommended browsers. If you use a different browser, you may not be able to take full advantage of all the features of the site.

2. Transfers of Fund; Bill Paying.
(a) You may transfer funds from one account to another account, provided that the same persons are the owners of both accounts. The number of transfers that you may make may be limited by law or government regulation and the Bank may establish restrictions on transfers that may exceed those limits.

(b) You may pay bills from your accounts by registering with our third party vendor, CheckFree Services Corporation. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Payment Account to third parties you wish to pay. Your Bill Payment Account must be a primary checking account. Through the Bill Payment Service, you can pay bills from your Bill Payment Account to businesses or individuals.

All payments you make will be deducted from the checking account that you designate as your Bill Payment Account for the Bill Payment Service. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

(c) The Bank will not be required to transfer any funds, or to honor any request to pay bills, unless there are collected funds in the originating account sufficient to cover the transfer or bill payment. If you give us instructions to make multiple transfers, or to pay multiple bills, and there are not sufficient collected funds for each transaction, the Bank may honor the instructions in the order that the instructions are received and may refuse to honor all further instructions. We have no obligation to notify you if there are not sufficient funds to permit the transfer or pay the bill. We may, but we are not required to, make the transfer or pay the bill at such future time, as collected funds are available in the originating account.

3. Stop Payment Orders. If the Internet services include the ability to request stop payments on checks, the Bank will not be required to act on such instructions until 4 hours after the notice is received by the Bank, or until 11:00 a.m. on the next business day if the 4 hours would end after the normal business hours of the Bank. You should call the Bank if you wish your instructions to be acted on more quickly.

4. Changes in Terms; Cancellation. The Bank may change the terms of this Agreement at any time by giving you at least 30 days prior notice of the change. If you use the Internet services after receipt of such notice, you will be deemed to have agreed to such change. Either you or the Bank may cancel this Agreement and terminate your use of the Internet banking services for any reason by giving the other 30 days prior written notice. Notwithstanding the foregoing, the Bank may terminate your rights under this Agreement at any time, and without prior notice or liability to you, if you have breached any of your obligations under this Agreement or any other agreement with the Bank, or if the Bank has reason to believe that you have attempted to access accounts or information at the Bank to which you do not have rights.

5. Security. You will be assigned an initial identification code to be used when you use the Internet system to obtain Bank services or to make transactions. The Bank reserves the right to block access to the Internet banking services in order to maintain or restore security if the Bank reasonably believes your identification codes has been or may have been obtained, or is being used or may be used, by any unauthorized persons. You are solely liable and responsible for all Internet transactions that are made using your identification codes, whether those transactions are made by you or any person you authorize, permit or enable to have your means of identification (even if the person exceeds your authority), or by any person who obtains your identification codes as a result of your act of negligence. If you have given someone your identification codes and wish to terminate their authority, or if you know or believe that your identification codes otherwise are compromised, you must notify the Bank immediately so that the Bank can take the necessary steps to change your identification code. You will defend, hold harmless and indemnify the Bank from and against any and all claims of any nature arising out of any access by a person you have authorized, permitted or enabled to have access to the Bank and any records or accounts maintained at the Bank regardless of whether the records or accounts belong to you or others.

6. Interruptions in Service; Limit of the Bank's Liability. Any information you receive from the Bank can only be provided on a best-efforts basis for your convenience and is not guaranteed. The Bank is not liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any investment or other decision made using this information. The Bank is not responsible for any computer virus or related problems, which may affect or result from your use of the Internet banking services. Neither the Bank, nor any of the Bank's affiliates, officers, directors, employees or agents, will be responsible for any indirect, special incidental or consequential damages arising in any way out of the Agreement or your use of the Internet banking services. Any liability of the Bank for actual damages shall be limited to the fees that you have previously paid to the Bank for the use of the Internet banking services under this Agreement. The Bank will have no liability to you if you are not able to complete any transaction using the Internet as provided herein if: (1) you do not have enough money in your accounts to make the transfers; (2) the Bank's Internet or computer system, is not working properly and you knew about this when you started your transaction; (3) the failure is the result of any act or omission of any Internet service provider or any software provided by any third party, or the other party to the transaction; or (4) circumstances beyond the Bank's control (for example, fire, flood, loss of power, or interruption of communication systems) prevent the completion of the transaction. The Bank may on a regular basis perform maintenance on the Bank's equipment or systems which may result in interruption of the Internet banking services and the Bank will not have any liability to you as a result of any such interruptions. The Bank may contract with third parties to provide certain Internet services to you. The Bank will have no liability of any kind to you with respect to any acts or omissions of such parties, and your sole remedy shall be against such third party. If you experience any inability to access the Internet Banking Service, you should call 866-951-9391.

7. Fees. You may be required to pay the standard fee for any transactions that you make through the Internet. The Bank may establish other fees by giving you at least 30 days prior written notice. You are responsible for all the telephone charges you incur in connecting to the Internet and for any charges imposed by your Internet provider. The following special fees may apply to Internet Banking services:

All charges listed above will be automatically deducted from your account and will appear on your account statement, if those charges are applicable.

8. Miscellaneous. If any one or more of the provisions of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain valid and enforceable. The terms and conditions of this Agreement shall be governed by and constructed in accordance with the laws of the State of Iowa, without regard to its conflicts of law provisions. Any litigation arising under this Agreement or the Internet services shall take place only in the state or federal courts having jurisdiction over the home office of the Bank and you agree to such jurisdiction. The Bank shall be entitled to recover its costs (including attorney's fees) from you for any claims arising under this Agreement or the Internet services. The term "business day" means Monday through Friday except for legal bank holidays.

9. Entire Agreement. This Agreement is the entire agreement between you and the Bank regarding your use of the Internet banking services, and it supersedes any prior discussions and agreements between you and the Bank regarding the Internet banking services, and supersedes any marketing or other similar material pertaining to the Internet banking services. The foregoing does not apply to agreements and disclosures applicable to your accounts, or disclosures or agreements relating to specific transactions, and such other agreements or disclosures shall supersede this Agreement to the extent that there is any inconsistency. This Agreement is subject to, and incorporates, all account agreements and other agreements or disclosures that the Bank has delivered, or may hereafter deliver, to you with respect to your account or Bank products or transactions.

10. Notices. The Bank may give you written notices and disclosures either by mailing them to your last known address, or by sending such notice to you over the Internet at your designated Internet address. You agree that if the Bank is required by any laws or regulations to give you written confirmation of the completion of any transaction or supply you with any disclosures or notices, then the Bank may in its sole discretion give such information to you electronically over the Internet. If there is more than one account holder, the Bank will only be required to give notice to one of you. The Bank will not normally mail you paper copies of the disclosures, notices, or account statements you receive electronically. To obtain a paper copy, please contact the bank by mail. Applicable fees may be billed to your account. If you wish to give notices to the Bank you must send it in writing to either of the following addresses:

Mail Address:
Carroll County State Bank, PO Box 67, Carroll, IA 51401 or
Council Bluffs Savings Bank, 1751 Madison Ave, Council Bluffs, IA 51503

E-mail Address: cservice@carrollia.com

11. Cancellation. To cancel electronic disclosures please contact the bank by mail.

12. E-mail Address Change. If your e-mail address changes, please update it by selecting the "User Option" button which can be found on the main menu of your on-line banking page and select, "E-mail Address". You will be responsible for maintaining an accurate e-mail address in which to receive the e-mail notifications.

13. Electronic Mail (E-mail). If you send an e-mail message, the bank will be deemed to have received it on the following business day. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need help to stop a payment that is scheduled to occur.

** NOTE: E-mail outside of the Online Banking site are not secure. We advise you not to send us or ask for sensitive information such as account numbers, Passwords, account information, etc., via general or public e-mail systems. If you wish to contact us electronically, please us the secure "contact us" link provided in our Online Banking site.