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NetTeller:
Internet Banking Agreement and Electronic Funds Transfer Disclosure

After reading our agreement and disclosure, please click on the link
at the bottom of the page to reach our application.

Introduction

"We," "us," and "our" means Commercial Bank and Trust Company. "You" and "Your" means each depositor who establishes a NetTeller service with us or who uses or is authorized to use a NetTeller Identification Number and NetTeller Personal Identification Number (PIN) or other means of access, which we establish or approve. The term "NetTeller" refers to our service that allows you to transfer funds, access accounts, obtain information, and perform other transactions over the Internet, including the optional Bill Payment service, by use of a compatible personal computer (with sufficient power and memory) and modem and/or other means which we now authorize or may allow from time to time.

This agreement states the terms and conditions that apply when you use our NetTeller service. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other service you obtain from us. You are also required to follow all of our instructions and procedures applicable to the services covered by this agreement. This agreement shall be governed by and interpreted under Tennessee and federal law. We reserve the right to amend or terminate the NetTeller service at any time.

Identification Number and Personal Identification Number

You agree that the NetTeller Identification Number, assigned by us, and the NetTeller Personal Identification Number (PIN), chosen and entered by you, controls the account security. You will be requested to change your PIN the first time you enter the NetTeller service. You can change your PIN at any time through the Option section of the NetTeller service. You are responsible for all transactions you and any authorized user make. If you have given someone your NetTeller Identification Number and PIN and want to terminate that person’s authority, you must change your PIN or take additional steps to prevent further access by such person. You agree to protect the PIN and hold us harmless from unauthorized use.

Your Liability

Notify us immediately if your Identification Number or PIN has been lost or stolen. Failure to notify us immediately could result in the loss of all money accessible by the PIN. If you tell us within two business days after you learn of the loss or theft of your ID and PIN, you can lose no more than $50.00 if someone used your ID and PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your ID and PIN, and we can prove we could have stopped someone from using your ID and PIN 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 if you had told us in time. If a good reason such as a long trip or hospital stay kept you from telling us, we will extend the time periods. Any information downloaded by you to your financial or other software becomes your property and responsibility.

Account Ownership

You agree that the provisions of joint account ownership apply to the NetTeller service if the account(s) being accessed is jointly owned. Any account that requires more than one signature cannot be designated for withdrawals.

Internet Banking Transactions

You, or someone you have authorized by giving them your NetTeller Identification Number and Personal Identification Number (even if that person exceeds your authority), can instruct us to perform the following transactions:

1. Make transfers between your qualifying accounts to the extent authorized
2. Obtain information that we make available about your qualifying account

There is no fee to perform these transactions.

Limits on Internet Banking Transactions

You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. If any of your qualifying accounts are savings accounts or money market savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any statement cycle or month. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. You also agree to the Terms and Disclosures that you received when you opened your deposit account. You can request another one of these at the time you fill out your NetTeller Application.

Our Liability for Failure to Complete Payments or Transfers

If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for instance:

1. If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
2. If any payment or transfer would go over the credit limit of any account.
3. If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
4. If you have not given us complete, correct, or current account numbers or other identifying information so that we properly credit your account or otherwise complete the transaction.
5. If you do not properly follow our instructions, or if you provide us with wrong or inaccurate information or fail to correct or to tell us about any inaccuracy of which you are aware.
6. If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it is due.
7. If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim restricting the transaction.
8. If circumstances or persons beyond our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that we have taken.

Business Days

Our NetTeller service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday, except bank holidays. Transfers made after 6:00 P.M. will be processed on the next business day.

Statements

Your NetTeller payments and transfers will be indicated on the monthly or quarterly statements we provide. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement or statement information.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your accounts or the transactions you make:

1. Where it is necessary for completing a transaction; or
2. In order to verify the existence and condition of your accounts to a third party such as a credit bureau; or
3. In order to comply with a governmental agency or court order; or
4. If you give us your written permission; or
5. To collect information for internal use or the use of our service providers for purposes of offering or providing you other products or services or to our affiliates; or
6. It involves a claim by or against us concerning a deposit to or a withdrawal from your account; or
7. Where otherwise required or permitted under state or federal laws and/or regulations.

OPTIONAL Bill Payment Service

You are responsible for all transactions that you or any authorized user make or authorize, even if the person you authorize exceeds your authority. If you have given someone your authority, you must change your PIN or take additional steps to prevent further access by such person. You agree to protect your PIN and hold us harmless for unauthorized use.

You authorize us to deduct payment transactions generated by the Bill Payment service from the checking account designated. If at any time, you decide to discontinue this service, you must provide written notification to us. If we decide to discontinue or amend this Bill Payment service, including any fees, we will notify you.

You understand that payments generally take 5 to 10 business days to reach the vendor and that they will be sent either electronically or by check. We are not liable for any service fees or late charges incurred by you if you do not provide timely, complete, and accurate information or if you do not properly follow our instructions. You also understand that you are responsible for any loss or penalty incurred due to insufficient funds or other conditions that may prevent the posting of payment from your account.

OPTIONAL Electronic Statement Disclosure

This disclosure relates to your enrollment in Commercial Bank and Trust Co. estatement (electronic statement delivery).

Please read this notice carefully and retain a copy for your records.

* By enrolling, you agree to receive your statements electronically (via email).

* Upon enrolling, you will no longer receive statements in the mail for the account(s) you have selected.

By selecting “I Agree” (which appears below if you are enrolling at this time), you choose to receive the following information electronically: periodic statements, overdraft notices, bounce protection notices, charge back notices, Outgoing wire notice, Incoming wire notices, Loan billing notices, First Past Due Notice, Second Past Due Notice, Dormant Account Notice, and updates to bank disclosures.

To receive your statements electronically, you will need access to a computer that satisfies the minimum browser requirements for online banking, which at this time is 128 bit encryption. Additionally you will need access to a printer or the ability to download and archive the document to your computer in order to keep copies for your records. You will need Adobe 6.0 or greater. By selecting “I Agree” at the time of enrollment, you accept the electronic statement delivery service with electronic disclosures.

When your statement is available, you will receive an email to that effect at the email address we have on file at that time. You will have sixty (60) days from the time of the email within which to view, print or archive your statement. You will have 30 days from the time of the email in which to view any notices chosen.

We also make statements and images available through our NetTeller online banking service at www.cbtcnet.com. You are able to retrieve text pages of your statement for a maximum of twelve (12) months by selecting the “Statement” option next to the “Account Information” page of the NetTeller service. Check and deposit images are available on line for a maximum of twelve (12) months by selecting the “transactions” option next to the account on the “Account Information” page of the NetTeller service. After the above periods of time, the information will be available upon request and a charge of $20.00 an hour and a $1.00 a copy will apply. Contact us at 731-641-9450 or 888-518-7053.

If you have questions or require assistance concerning this service, please contact us by telephone at 731-641-9450 or 888-518-7053, or by email, info@cbtcnet.com.

Error Resolution

In case of errors or questions about electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later that 60 days after we sent you the FIRST statement on which the error appeared. (1) Tell us 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 inform us orally, we may require you to send us your complaint or questions in writing within 10 business days. We will inform you of the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need additional time, however, we may take up to 45 days to investigate your complaint or questions. If it is necessary for us to do this, we will credit your account within 10 business days for the amount in question so that you may have use of these funds during our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not credit your account for the amount in question. If we decide that no error was made, we will send you a written explanation of our findings within 3 business days of completion of our investigation. You may ask for copies of the documents that we used in our investigation.

For error resolution or questions, please call 731-641-9450 or 1-800-273-8889, 8:00 A.M. to 4:30 P.M. Monday through Friday or write:
Commercial Bank and Trust Company
P. O. Box 1000
Paris, TN 38242-1000

Amendments

Terms and conditions of this agreement may be amended in whole or part at any time within 30 days of written notification prior to the change taking effect. Amendments or changes to term(s) or condition(s) may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you.

Termination

You may terminate the use of NetTeller by contacting Commercial Bank and Trust Company by mail or personal delivery. If your account is closed or restricted for any reason, NetTeller accessibility will automatically terminate.

I AGREE. I have read the above disclosure, agree to the terms, and would like to proceed with NetTeller Application.



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