Online Banking Access Agreement

Introduction
This Internet Banking Access Agreement for accessing your personal accounts via The Citizens Bank of East Tennessee Banking explains the terms and conditions which govern online account activity.

By using the online financial services provided by The Citizens Bank of East Tennessee, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Tennessee.

The term "business day" refers to every day except Saturday, Sunday and Federal Banking Holidays..

Accessing Your Accounts
In order to activate Online Banking, you must have at least one account with The Citizens Bank of East Tennessee.

As a customer of The Citizens Bank of East Tennessee, you may access your accounts by selecting and using an online password (PIN). You should keep your PIN in a secure location. Any person having access to your Citizens Bank PIN will be able to access Online Banking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible with your PIN.

Upon receipt of your signed application, instructions for accessing your account online will be mailed to you. The first time you log into Online Banking, you will be required to change the assigned password and choose a password known only to you containing a combination of Alpha and Numeric characters. The password must be at least eight (8) digits and no more than twelve (12) digits. The user can change their password through the Online Banking at any time, and occasional password changes are recommended.

If you suspect that an unauthorized person has access to your password, please use one of the following methods to contact us immediately:

Call us Monday through Thursday, 8:00 a.m. to 4:30 p.m. or Friday, 8:00 a.m. to 6:00 p.m. at
423-272-2200 or e-mail us at info@cbetn.com.

There are no monthly fees for viewing these accounts or for transferring funds between accounts.

Terms and Conditions
The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure.

The Citizens Bank of East Tennessee reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service contact us at 423-272-2200 or via e-mail at info@cbetn.com.

Balance Information-You may access any eligible Citizens Bank of East Tennessee bank account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry.

If you do not access your accounts via Online Banking for any three-month period, The Citizens Bank of East Tennessee reserves the right to disconnect your service.

You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at The Citizens Bank of East Tennessee.

If you wish to cancel any of your Online Banking services, please contact The Citizens Bank of East Tennessee at 423-272-2200, e-mail us at info@cbetn.com or send us cancellation instructions in writing to The Citizens Bank of East Tennessee, PO Box 550, Rogersville, TN 37857, Attn: Operations Department.

Fees and Charges for Online Banking
There are no monthly fees for viewing accounts or transferring funds between accounts.

We reserve the right to change the fees, charges or other terms outlined in this agreement. We will notify you 30 days prior to implementation of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing or discontinuing the service to which the changes relate. Changes to fees applicable to specific accounts are governed by the applicable account disclosure.

Hours of Accessibility
You may access Online Banking at The Citizens Bank of East Tennessee seven days a week, 24 hours a day. Necessary system maintenance will be scheduled for hours in which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system (Telebanc-not available at this time), one of our ATM machines or a branch office to conduct your transactions.

Customer Rights and Responsibilities
In addition to this agreement you agree to be bound by and comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions. If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, or changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us call 423-272-2200, e-mail at info@cbetn.com or call your local branch.

Stop Pays
Stop pays will not be processed at this time. For your protection and the safe guarding of your account(s), this process must be conducted in the presence of a Citizens Bank employee or officer.

Limitations on Bank Liability
The bank will not be responsible for the following incidents, errors or failures:

Access - The bank will not be responsible for failure to provide access to Online Banking at The Citizens Bank of East Tennessee due to a system failure or due to other unforeseen acts or circumstances.

Your Computer Equipment or Software- We will not be responsible for any error or failures from a malfunction of your computer or any computer virus or other problems related to your computer equipment used with Online Banking. The bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer, Netscape Navigator, etc.), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken), or any equipment you may use to access or communicate with The Citizens Bank of East Tennessee.

Electronic Mail (e-mail)
You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal or financial information by e-mail. There may be times when you need to speak with someone immediately, in these cases, call your local branch.

Ownership of Website
The Citizens Bank of East Tennessee prohibits the unauthorized use, reproduction, linking, or distribution of any portions of information contained on our website.