Online Banking Agreement

This Online Banking Agreement and Disclosure (the "Agreement")...

discusses how you can use Online Banking (" Cornerstone Bank Online") to obtain information about your accounts, to transfer funds between your accounts, and to request certain other bank services. It also contains the terms and conditions governing Cornerstone Bank Online. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us.

If you use Online Banking, you thereby indicate your consent to these terms. You may print a copy of this Agreement for your records now, or you can refer to this document in the Online Help section later at your convenience. Users of Online Banking should always check the logon screen for the agreement revision date to ensure they have reviewed the most recent version of this agreement. Changes will always be summarized at the beginning of the document.

Definitions

As used in this agreement, the following words have the meanings given below.

"You" and "your(s)" refer to each person (including any business) who applies to use the Service, and each person who uses the Service with the permission of an applicant.
"Consumer" means any natural person who uses a deposit account primarily for personal, family or household purposes.
"We," "us," "our(s)," "Cornerstone Bank," or "Bank" refer to Cornerstone Bank, the depository institution that holds one or more accounts accessed by Cornerstone Bank Online.
"Cornerstone Bank Online" means our service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer and modem and/or other means we authorize or allow.
"Cornerstone Bank Online Bill Pay" means our service that allows you to pay bills over the Internet by use of a personal computer and modem and/or other means we authorize or allow through Cornerstone Bank Online.
"Business Day" means Monday through Friday, except banking holidays.

Security & Protecting Your Account

Cornerstone Bank is strongly committed to protecting the security and confidentiality of our customer account information. Cornerstone Bank uses state-of-the-art technology in the ongoing development of its Online Banking Service. To ensure this security, we use several different methods to protect your account information:

You can only access Online Banking with certain browsers that have a high security standard.
Your account numbers are not displayed; you must choose an "Online Reference Name" in its place.
You must have a valid Access I.D. and Password to sign in.
If no action is taken for 10 minutes, you will be automatically logged off Online Banking.

Your Responsibility

You agree...

Not to give out your identifying information such as your PC Password to any other person. The Bank may rely on your Cornerstone Bank Online ID to identify you when providing banking services to you.
Never to leave your account information displayed in an area accessible by others.
Never to leave your PC unattended while using Online Banking.
To always exit the system by clicking on "Exit" in the upper middle portion of the screen after using Online Banking.
To notify by telephone call customer service at (417) 658-1698 immediately if you suspect that your Access I.D. or Password has become known to any unauthorized person.

Online Banking E-mail Communications

Electronic messages sent via the "Email" option in the Customer Service function of Online Banking are sent through normal email and are not to be considered a secure form of communication. (Even though the browser may show the "SSL Secured" lock.)

In general, communications sent over the public Internet are not necessarily secure. Therefore, we will not send, and we strongly suggest that you do not send, any confidential account information. We will not respond to account information related questions sent via Internet e-mail.

You agree that we may take a reasonable time to act on any e-mail. Correspondence that requires expeditious handling -- for example, if you need to report an unauthorized transaction from one of your accounts, or if you need to stop payment on a check you have issued, should be made by calling the Bank. The number for the Customer Service Center is (417) 658-1698.

Unless you have instructed us otherwise, you agree that Cornerstone Bank may send you electronic messages about other products or services we offer. You also agree that we may respond to any electronic message that you send us by electronic mail (via the "Customer Service" function mentioned above), such as responding to any claim of unauthorized electronic funds transfer. Any electronic message sent to you by the Bank shall be considered as if it were sent by U.S. Mail, postage prepaid, and shall be considered received within three days of the date sent by the Bank, regardless of whether you sign on to the Service within that time frame.

Service Availability

Online Banking with Cornerstone Bank is available 365 days a year. However, it is necessary to interrupt the Service on a scheduled basis to perform periodic system and account maintenance. These maintenance periods occur weekly and are typically limited to the early morning hours (i.e. Midnight - 6:00 a.m.) between Saturday and Monday. The times may vary somewhat by geographic region due to different time zones. During these periods, customers are notified of the maintenance activities by an informational screen that is displayed when attempting to access.

Online Banking

Cornerstone Bank may, at our discretion, extend the maintenance periods outlined above as necessary to complete more extensive maintenance, system upgrades, or to resolve service problems.

Registration

Please contact your account officer or visit a branch for business account registration. There are additional forms that need to be completed prior to your banking online.

Cornerstone Bank Online ID and Password. You need to select an Access I.D. during your first online session through our online registration process. Your Access I.D. and Password identify and authenticate you to Cornerstone Bank when you use Online Banking. To access our Internet banking services you must use the user identification number and/or other means of access we establish or provide for your Internet banking Customer Account, together with a Personal Identification Number (PIN). Your initial Cornerstone Bank Online PIN will be the last four digits of your taxpayer identification number.

You can change your Password online at any time by selecting the Change Password option in our Customer Service section. If necessary, passwords can also be reset by calling Online Banking Customer Service at (417) 658-1698. However, any password changed over the telephone will be "temporary" only, then it will require an online reset at first use, and expire 30 days after issuance.

Accounts Linked to Your Cornerstone Bank Online. You can choose which of your accounts you want to link to a Cornerstone Bank Online ID, and what activity level each account linked to your Cornerstone Bank Online ID will have. There are some limits on the accounts that can be linked to your Cornerstone Bank Online ID.

Funds Transfer Service

If you have an Access I.D. and Password from us, you will be able to transfer funds between certain of your Cornerstone Bank accounts. If you do not want to have the ability to funds transfer between your accounts using Online Banking, or if you want to restrict the accounts from which you can transfer funds using your Cornerstone Bank Online I.D. and Password, you may designate the limits on the following application, and we will make the necessary adjustments to this service for you. The terms that apply to the Funds Transfer Service are set forth more fully below.

Online Banking Funds Transfer Provisions

As an Online Banking customer, you can make immediate transfers between certain of your Cornerstone Bank deposit accounts over the Internet. All such transfers are subject to the terms of these Online Banking Funds Transfer Provisions (the "Transfer Provisions"). For more information, see Online Help, Guidelines for Online Transfers.

General Information

Fees: The bank will not charge you a setup fee for online banking. If there are not sufficient funds in the account on the date the fee or charge is payable, you authorize the bank to automatically deduct the payment from your account as soon as funds are available.
Authorization To Charge Accounts: You are responsible for all transfers you or your authorized representative make using Cornerstone Bank Online. You authorize us to debit your designated account(s) for any transactions accomplished through the use of the Service (including the transfer of funds from another deposit account, if you have this services in effect). You agree that we may comply with transfer instructions entered by any one person using an authorized Access I.D. and Password, notwithstanding any provision that may be contained in other account documentation purporting to require more than one signature to withdraw funds from the account.

If you permit another person to use Online Banking or give them your Access I.D. or Password, you are responsible for transfers or advances that person makes from the deposit and credit accounts linked to your Service registration even if that person exceeds your authorization. We strongly discourage giving another person access to your account.

2. Online Banking Funds Transfer Service Particulars.

Types of Transfers and Posting: You can transfer funds between Checking and Savings accounts using Online Banking, and between certain of your deposit accounts and your Loan Accounts. You may obtain information that we make available about your qualifying accounts and obtain other services or perform other transactions that we authorize.
We allow transfers to the following accounts: Checking and Savings. We allow transfers from the following accounts: Checking and Savings.
Limits On Transactions: There is a maximum dollar limit on any transfer equal to the available balance in your account plus the available balance or credit balance in any other account attached to the deposit account.
Availability: Funds must be available in the account from which you wish to transfer funds on the date you specify the transfer or payment to occur.
Restrictions on Transfers from Savings: Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings, however, you may make no more than six transfers or withdrawals out of such an account per monthly statement cycle. Transfers made by telephone, personal computer or funds automatically transferred from a savings account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If your transactions exceed the legal limit, we will charge you a fee for each such transaction in excess of the legal limit. If you exceed the restrictions more than three times during a 12-month period, we will close the savings and transfer the funds to a checking account.
Insufficient Funds to Complete Transfer: If your account does not have sufficient funds to complete a transfer, the transfer may not be completed, but if we do complete the transfer as an accommodation to you, you are responsible for any overdraft created including any fees associated with the transfer.
Correcting or Canceling Your Transfer: You can add, edit, or delete a transfer up until 3:00p.m. every evening. Payments may be stopped or changed up until the day they are to be processed and deducted from your account. The bank will be liable for the damages caused as explained in the paragraph titled "Bank's Liability for Failure to Make Transfers" for failure to stop payments as requested.
Documentation and Verification of Transfers: The date and amount of transfers made through Online Banking will be shown on the Transaction History screen of Online Banking, and will also be shown on your printed statements for the accounts from which and to which the transfer is made.
Address and Telephone Number for Notification of Unauthorized Use: If you believe your Access I.D. or password has become known by an unauthorized person, or that someone has transferred money without your permission, call Cornerstone Bank immediately at: (417) 658-1698, or write to:

Cornerstone Bank
117 N Main Street
Southwest City, MO 64863

If you suggest that an unauthorized transfer may have occurred, we may require you to sign an affidavit. Also contact us with any other questions or problems that you may have regarding the Service, including:

You have a problem with a transfer you authorized, or your statement reflects a transfer you think is in error.
You need to obtain documentation concerning a transfer previously issued from your account. (There may be a fee for these requests, as disclosed in the Schedule of Fees applicable to your accounts.)

i. Disclosure of Account Information: We may disclose information to third parties about your account or transfers you make:

When necessary for verifying or completing transfers, or to resolve a problem related to a transfer;
To verify the existence and status of your account for a third party such as a credit bureau or merchant;
At the Bank's discretion, to any of our subsidiaries or affiliates;
If you give us your written (including electronic message) permission; or
As otherwise permitted or required in the Bank's Privacy Principles, Deposit Agreement and Disclosures, or other applicable agreements, or by law or government regulations.

3. Additional Provisions Applicable Only to Consumer Accounts

When you transfer funds using Online Banking in connection with consumer (personal) accounts, the information in this section applies to you.

Your Liability for Unauthorized Use: Tell us immediately if you believe your Access I.D. or Password has become known to an unauthorized person or if an unauthorized transaction has occurred involving your account. Telephoning is the best way of keeping your possible losses to a minimum.

If you tell us within two business days after you learn that your Access I.D. and Password have become known by an unauthorized person, you can lose no more than $50.00 if an unauthorized person used your personal codes without your permission to process a transaction. If you do NOT tell us within two business days, and we can prove that we could have stopped someone from using your Access I.D. or Password without your permission if you had told us, you could be liable for as much as $500.00.

Also, if your statement shows electronic funds transfers that you did not make or authorize, 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 a hospital stay) kept you from telling us, we may extend the time periods.

b. Bank's Liability for Failure to Make Transfers: If we do not make a transfer or payment on time, or in the
correct amount according to your instructions given in accordance with the Transfer Provisions, we will be
liable for your proximately caused damages. However, there are some exceptions. We will not be liable, for
instance, if:

Through no fault of ours, your account does not contain enough money to make the transfer or payment.
The transfer would exceed the balance in the deposit account you use for overdraft protection.
You have not properly followed the instructions on how to make a transfer or payment contained in the Transfer Provisions or the online instructions for Cornerstone Bank Online.
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.
Circumstances beyond our control prevented the transfer, 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.
We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
We have a reasonable basis for believing that unauthorized use of your Access I.D., Password, or account has occurred or may be occurring; or
You or we have terminated your Online Banking Service or closed the account.
If you do not instruct us soon enough for your transfer to be received and credited by the time it is due.
There may be other exceptions stated in our agreements with you.

c. Errors or Questions: In case of errors or questions about your electronic transfers, call Cornerstone Bank
immediately at (417) 658-1698, or write to:

The Cornerstone Bank
117 N. Main Street
Southwest City, MO 64863

If you think your statement is wrong or if you need more information about a transfer listed on the statement, contact us as soon as possible. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared, and you must:

Tell us your name and account number;
Describe the transfer or other error 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.

If you tell us verbally, we may require that you send your complaint or question in writing within ten business days. We may require you to provide your complaint in the form of an affidavit.

We will tell you the results of our investigation within ten business days (20 business days if you initiated the transaction from outside the United States) and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if you initiated the transaction from outside the United States) to investigate your complaint or question. If we decide to do this, we will provisionally re-credit your account within ten business days (20 business days if you initiated the transaction from outside the United States) 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 ten) and 90 calendar days (instead of 45).

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

Our Ability To Terminate Services

You are responsible for complying with all the terms of this Agreement and with the terms of the agreements governing the accounts to or from which transfers are made using Cornerstone Bank Online. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not pay any fee when due, or if you do not comply with any agreement governing your accounts, or if any such account is not maintained in good standing.

We can also terminate the Service if we believe that an actual or potential unauthorized use of your Access I.D, Password or account may be occurring.

As stated earlier in the agreement, Cornerstone Bank may also deactivate or "close" any Access I.D. that has been "inactive" for a period of 3 months or more or if unusual activity is detected at any time. Cornerstone Bank reserves the right to terminate your access to the Online Banking Service or any portion of it in its sole discretion, without notice and without limitation, except as may be required by law.

Amendment

We can amend this Agreement upon notice to you, which you agree may be sent by e-mail or by an announcement conspicuously displayed directly within the site. Any notice will be effective not later than ten (10) days after we send or post the notice (unless a law or regulation requires a longer notice period), whether or not you have retrieved or viewed the notice by that time.

New Services

We may, from time to time, introduce new services that are part of Online Banking. We will update this Agreement to notify you of these new services. By using Online Banking after those new services become available, you agree to be bound by the terms contained in the revised agreement.

Virus Protection

You agree that Cornerstone Bank is not responsible for any electronic virus that you may encounter using Online Banking. We encourage you to routinely scan your PC and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your programs, files and even your hardware.

Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither Cornerstone Bank nor any of its parents, subsidiaries or affiliates nor any third party service providers engaged by Cornerstone Bank to perform any of the services connected with Online Banking shall be responsible for any damages, loss, property damage or bodily injury, incurred as a result of your using or attempting to use the Online Banking Service, whether caused by the equipment, software, Internet browser providers such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Internet Explorer browser), Internet access providers or online service providers or an agent or subcontractor of any of the foregoing. Nor shall Cornerstone Bank or any third party service providers engaged by Cornerstone Bank be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, Online Banking or Internet browser or access software, or from the unavailability of Online Banking or for any errors in information provided through that service.

Charges & Fees

These service requests are subject to Cornerstone Bank's normal service charges that were disclosed at account opening and in any subsequent editions of or amendments to your Schedule of Fees brochure. Please refer to the latest version of your Schedule of Fees & Disclosure document and any applicable amendments.

Transfers and payments through Online Banking are counted, and if you exceed the total number of authorized transactions for accounts with limited transaction capabilities, your account will be charged in accordance with the applicable account agreement. If a transfer from a deposit account draws funds from an overdraft line of credit, or you directly make a transfer from your line of credit, you may be charged a fee for each advance, as stated in your line of credit agreement.

Entire Agreement

This Agreement, as it may be amended from time to time, and if you are a business customer with Cornerstone Bank Online ID administrators, Cornerstone Bank Online Identifier Enrollment Form, contains the entire understanding between you and Cornerstone Bank concerning the Online Banking Service, and supersedes any verbal conversations, other communications, and previous agreements, if any.

Your Agreement To These Terms And Conditions

Your registration for Online Banking with Cornerstone Bank confirms (1) your agreement to be bound by all the terms and conditions of this Agreement; and (2) your acknowledgment that you received and understand the terms of this Agreement.