DISCLOSURES

CITIZENS SECURITY BANK & TRUST CO. BILL PAY TERMS AND CONDITIONS

These terms and conditions constitute the agreement ("Agreement") between you and Citizens Security Bank & Trust Company ("Service Provider") with respect to the provision of Online Bill Payment Services (the "Service") to you. Your use of the Service constitutes your agreement to be bound by the terms of this Agreement and that your contract is with the Service Provider, who is responsible to you for the provision of the Service. In this Agreement the words "you" and "your" mean each person whom signed the application; the terms "us" and "we" means the Service Provider.

BILL PAYMENT SERVICE

By providing the Service Provider with the names and account information of those persons or entities to whom you wish to direct payment, you authorize the Service Provider to follow the payment instructions that it receives from you through the bill payment program. When the Service Provider receives a payment instruction, you authorize the Service Provider to charge your transaction account on the selected Process Date and remit funds to the designated payee on your behalf.

In the following instructions, the Process Date is defined as the day you request the Service Provider to process the payment.

A Business Day is defined as Monday through Friday up to 12:00 noon (Central Time) excluding weekends and holidays.

If you select a Process Date that is a Saturday or a Sunday, the payment will be processed on the previous Business Day. If the selected Process Date is a holiday, the payment will be processed on the previous Business Day.

Payments are processed each day at 2:00 am and 12:00 noon Central Time. Any payments entered up to that time will be processed the same day. Any payment issued via check will be printed and mailed the same day. Electronic payments will be sent for processing the same day.

For this reason, it is recommended that all Process Dates selected by you be at least five Business Days before the actual "payment due date", not the late date and/or grace period. The risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

Note: The Service may not be used to pay taxes or court-directed payments.

The Service Provider will use its best efforts to make all your payments properly. If we do not complete a payment on time or in the correct amount according to the Agreement, we will be liable for your losses and damages. However, there are some exceptions to this liability. For instance, we will not be liable in the following circumstances:

If through no fault of ours, you do not have enough funds in your account to make the transfer, or the transfer would exceed the credit limit on any overdraft line associated with the account;
The equipment or software used by the Service Provider to provide the Service was not working properly and you knew or were advised by the Service Provider about the malfunction before you executed the transaction;
You have not provided the Service Provider with the correct names or account information for those persons or entities to whom you wish to direct payment;
Circumstances beyond our control (such as, but not limited to fire, flood, or interference from an outside force) prevent the proper execution of the transaction despite the reasonable precautions we have taken;
You have reported your PIN as lost or stolen;
Your Service has been cancelled;
If the funds in your account are unavailable because of garnishment, levy, or other hold requirements imposed upon us by law or by a government agency or court orders. Also, any holds placed by Citizens Security Bank & Trust Company for uncollected funds.

PASSWORD AND SECURITY

You agree not to give or make available your Online Personal Identification Number "PIN" to any unauthorized individuals. If you believe that your PIN has been lost, stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service Provider at once by calling Citizens Security Bank & Trust Company at 1-888-272-8866 or 918-366-4000.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS

If you tell us within two (2) business days after you discover your PIN has been lost or stolen, you can lose no more than $50.00 if someone uses your PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your PIN, and we can prove that we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.00. If your monthly statement contains transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may lose any amount transferred without your authorization. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

ERRORS AND QUESTIONS

In case of errors and questions about your electronic transfers or payments, you should contact us as soon as you can by:

1. Telephoning us at: 1-888-272-8866 or 918-366-4000
2. Write us at:

Citizens Security Bank & Trust Company
P.O. Box 130
Bixby, Oklahoma 74008-0130

If you think that your statement is wrong or you need more information about a transfer listed on the statement, you must notify us no later than sixty (60) days after you received the first statement on which the problem or error appeared.

You must:

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; and

3. Tell us the dollar amount of the suspected error.

If you tell us orally we may require that you send your complaint in writing within ten (10) business days. Except as noted below, we will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days from the amount you think is in error, so that you will have the use of the 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 10 business days, we may not credit your account.

Special Rules for New Customers: If you are a new customer, for transfers occurring within 30 days after the first deposit in your account, we will determine if an error occurred within 20 business days after we hear from you. However, if needed, we may take up to 90 days to investigate your complaint or question. If we decide to do this, we will credit your account within 20 business days for the amount you think is in error so that you will have the use of the money while we complete our investigation.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

Refer to Citizens Security Bank & Trust Company Privacy Policy.

CHARGES

As a user of the Service, you will be charged a fee of $5.95 per month with the first fifteen (15) payments included per login ID. Each additional payment will be $ .35. The fee will be charged monthly on the date your statement cuts. The first three (3) months of service is free.

Horizon Club or Presidents Club members will not have a fee to use this Service.

IN THE EVENT OF INSUFFICIENT FUNDS

Check Payments: Checks will be handled in the same manner as a check that is written from your checkbook against an insufficient balance.

Electronic Payments: During the noon bill pay processing, the electronic payment files are verified for funds availability. If the funds are available, your account will be debited for the payment, and the payment will be processed.

STOP PAYMENTS

Check Payments may be stopped after the check is printed and mailed. You will need to view the payment history to obtain the check number, and then contact Citizens Security Bank & Trust Company. If you call, we will require you to put your request in writing and get it to us within 14 days after you call. Refer to Errors and Questions Section for the telephone number and address.

ALTERATION AND AMENDMENTS

The terms of this Agreement, applicable fees and service charges may be altered or amended by the Service Provider from time to time. In such event, the Service Provider will post the amended term or conditions on the Web Site, and notify you by mail.

TERMINATION OR DISCONTINUATION

In the event you wish to discontinue the Service, you must contact the Service Provider in writing. Written notice of service discontinuance must be supplied ten (10) days prior to the actual discontinuation date and must be sent to:

Citizens Security Bank & Trust Company
Attn: Internet Bill Pay Department
P O Box 130
Bixby, Ok 74008-0130

The Service Provider may terminate use of the Service by any individual at any time. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

MERCHANT OR PAYEE LIMITATION

The Service Provider reserves the right to refuse to pay any person or entity to whom you may direct a payment. The Service Provider is obligated to notify you promptly if it decides to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court-related payments, which are prohibited under this Agreement.

INFORMATION AUTHORIZATION

You agree that the Service Provider reserves the right to obtain financial information regarding your account from a merchant, another payee or financial institution to resolve payment-posting problems.

DISPUTES

In the event of a dispute regarding the Service, you and the Service Provider agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service Provider which supersedes any prior agreement, oral or written, and any other communications between you and the Service Provider relating to the subject matter of this Agreement except to the extent that this Agreement may be subsequently modified by the Service Provider posting additional terms or modifications to the Web Site as described under the Alterations and Amendments section of this Agreement above. If there is a conflict between what a Service Provider's employee says and the terms of this Agreement, the terms of this Agreement shall control.

ASSIGNMENT

You may not assign this Agreement to any other party. The Service Provider may assign this Agreement at any time to an affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

NO WAIVER

The Service Provider shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service Provider. No delay or omission on the part of the Service Provider in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any right or remedies on future occasions.

CAPTIONS

The captions of Section hereof are for convenience only and shall not control or affect the meaning or construction of any of the provision for this Agreement.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of Oklahoma, without regard to its conflicts of laws provisions.

CSB Online Information Sheet, Disclosures, And Access Agreement

This Electronic Banking Agreement and Disclosure (the "Agreement") discusses how you can use CSB Online (the "Service") 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 the Service.

If you use this Service, you are bound by the terms of this Agreement.

Under this Agreement, customers can use the Service to transfer funds between their Citizens Security Bank & Trust accounts. If you do not wish to have the ability to transfer funds between accounts using CSB Online, please call us at (918) 366-4000 and we will remove that function from your Service.

Security & Protecting Your Account

Citizens Security Bank & Trust Company is strongly committed to protecting the security and confidentiality of our customer account information. Citizens Security Bank & Trust Company uses state-of-the-art technology in the ongoing development of its Electronic Banking service to ensure this security. We use several different methods to protect your account information:

You can only access CSB Online with certain browsers that have a high security standard.
The bank's server has been certified as a 128-bit secure server by VeriSign, using Secure Sockets.
We use state-of-the-art firewall configuration to insure only permitted data exchanges are allowed.
You must have a valid Online ID and PIN to logon.
If no action is taken for ten (10) minutes, you will be automatically logged off CSB Online.

Your responsibility:

You agree….

Not to give out your identifying information such as your PC Password you any other person. The Bank may rely on your 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 CSB Online. Always close your web browser.
To always exit the system by clicking on EXIT after using.
To notify the Internet Banking Coordinator at (918) 366-4000 immediately if you suspect that you Online ID or PIN has become known to any unauthorized person.

CSB ONLINE E-MAIL COMMUNICATIONS

Electronic messages that are sent and received via the "E-Mail" tab option in CSB Online are secure. Therefore, we will not send, and we strongly suggest that you do not send, any confidential account information unless using the electronic communication options provided in our E-Mail tab. 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 you need to immediately stop payment on a check you have issued, should be made by calling Citizens Security Bank & Trust Company. (For your nearest CSB bank office location and phone number, click on the "Location" tab at the CSB web site home page.)

FUNDS TRANSFER SERVICE

If you are a consumer and you have an Online ID and PIN from us, you will be able to transfer funds between your Citizens Security Bank accounts. If you do not wish to have the ability to transfer funds between accounts using CSB Online, or if you want to restrict the accounts from which you can transfer funds using your Online ID and PIN, call us at (918) 366-4000 and we will make the necessary adjustments to this service for you.

ELECTRONIC BANKING FUNDS TRANSFER PROVISIONS

As a CSB Online customer, you can make immediate transfers between your Citizens Security Bank deposit accounts (Checking and Savings) over the Internet. All such transfers are subject to the terms of these Electronic Banking Funds Transfer Provisions (the "Transfer Provisions").

By using the Funds Transfer Service, you agree to these Transfer Provisions.

1. General Information.

a. Meaning of Terms. As used in the Transfer Provisions, 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 the applicant.

"Business" means any corporation, partnership, limited liability company, sole proprietorship, or any other type of entity maintaining a deposit account for commercial purposes.

"We", "us", "our(s)", "CSB" or "Bank" refer to the Citizens Security Bank & Trust Company depository institution that holds an account that is accessed by the Service.

"Business Day" means Monday through Friday, except banking holidays as defined by the Federal Reserve Bank.

b. Authorized To Charge Accounts. You are responsible for all transfers you or your authorized representatives make using the Service. You authorize us to debit your designated account(s) for any transaction accomplished through the use of the Service. You agree that we may comply with transfer instructions entered by any one person using an authorized Online ID and PIN, notwithstanding any provision that may be contained in other account documentation purporting to require more than one signature to withdraw funds from the account.

c. If you permit another person to use CSB Online or give them your Online ID or PIN, you are responsible for transfers, payments, or advances that person makes from the deposit account linked to your Service registration even if that person exceeds your authorization.

2. Electronic Banking Funds Transfer Service Particulars.

a. a. You can transfer funds between your Checking and Savings accounts using CSB Online.

b. Limits On Transactions. There is a maximum dollar limit on any transfer equal to the available balance in your account.

c. Availability. Funds must be available in the account from which you wish to transfer funds on the date you enter the transactions or on the date that a scheduled transfer is to be made.

d. Restrictions on Transfers from Savings and Money Market Accounts. Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may make no more than six transfers per calendar month for savings accounts or six transfers per monthly statement cycle for money market accounts to another of your own accounts at CSB or to a third party by means of a pre- authorized agreement or automatic transfer or telephone agreement. No more than three (3) of the six (6) such transfers may be made by you and payable to a third party.

e. Insufficient Funds to Complete Transfer. If your account does not have sufficient funds to complete a transfer as of the date the transfer is scheduled to be made, the transfer may not be complete, but if we do complete the transfer as an accommodation to you, you are responsible for any overdraft created and any service fees incurred.

f. Correcting or Canceling Your Transfer. You cannot cancel your transfer after it has been entered in CSB Online and the information transmitted to us. You can correct information about a transfer before you send us the information, and you can use CSB Online to reverse a transaction after is has been entered. Scheduled transfers may be cancelled or deleted before the date the transfer is scheduled to be made.

g. Documentation and Verification of Transfers. The date and amount of transfers made through CSB Online will be shown on the Transaction History screen of CSB Online and will also be shown on your printed statement for the accounts from which and to which the transfer is made.

h. Address and Telephone Number For Notification of Unauthorized Use. If you believe your Online ID or PIN has become known by an unauthorized person, or that someone has transferred money without your permission, call Citizens Security Bank & Trust Company immediately at: (918) 366-4000, or write to Citizens Security Bank & Trust Company, P.O. Box 130, Bixby OK 74008-0130. 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 difficulty with a transfer you authorized using CSB Online, or your statement reflects a transfer you think is in error.

You need to obtain documentation concerning a CSB Online transfer previously issued from your account.

i. Information will be disclosed to third parties about your account or the transfers you make under the following conditions:

When it is necessary for completing requested transfers.

In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant.

In order to comply with a government agency or court orders and subpoenas.

If you give us your written (including electronic message) permission;

As otherwise permitted or required by law or government regulations.

j. Protecting Your Online ID and PIN. You agree that we may send confidential mailing, including Online ID and PIN confirmation, to the current address shown in our records for your primary checking account, whether or not that address includes a designation for delivery to the attention of any particular individual; and you further agree that CSB will not be responsible or liable to you in any way in the event that such properly addressed information is intercepted by an unauthorized person, either in transit or at your place of business.

You agree to:

(1) keep your Online ID and PIN secure and strictly confidential, providing them only to authorized signers on your account(s) or other trusted employees, agents, etc. who you want to act as your representatives to access your account(s).
(2) instruct each person to whom you give your Online ID and PIN that he or she is not to disclose them to any unauthorized person; and
(3) immediately notify us and select a new Online ID and PIN if you believe an unauthorized person may know your confidential codes.

The Bank shall have no liability to you for any unauthorized payments or transfers made using your Online ID and PIN that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We reserve the right to suspend or cancel your Online ID and PIN, even without receiving such notice from you, if we suspect they are being used in an unauthorized or fraudulent manner.

k. Your Obligation to Examine Records and Report Discrepancies. The Bank provides no separate written confirmation of individual payments or transfers. Confirmation is provided through online information available from the Service and through your periodic mailed account statements. You agree to examine your statement promptly and to notify us immediately of any discrepancy between the statement and your other account records. You also agree to notify us immediately of any discrepancy you may find in reviewing online information.

l. Acknowledgement of Commercially Reasonable Security Procedures. By using the Service, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions, which are commercially reasonable. You agree to be bound by any instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above and we have had a reasonable opportunity to act on such notice.

m. Limitations of Bank's Liability. If we do not complete a transfer from your account 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. For instance, we will not be liable:

1. If, though no fault of ours, you do not have enough money in your Account to make the transfer.

2. If the funds on deposit are under some restraint due to some legal process or other encumbrance restricting the transfer.

3. If the system was not working properly and you knew about the breakdown when you started the transfer.

4. If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.

5. If you have reported your Online ID and PIN had been misappropriated.

6. If your CSB Online service is cancelled.

7. In case of any error or malfunction which was not intentional on our part and resulted in a good faith effort.

8. Other exceptions stated in our Agreement with you.

MISCELLANEOUS PROVISIONS & RELATED AGREEMENTS

Your CSB accounts accessed by CSB Online continue to be governed by the following CSB agreements and documents, as they are amended from time to time:
(1) Deposit Agreement and Disclosures
(2) The applicable Personal or Business Schedule of Fees, and the applicable Miscellaneous Fees for Personal or Business Accounts.
If you have overdraft protection or accounts that are accessed by the Service, they continue to be governed by the applicable agreements you have with CSB. If any inconsistency exists between such other documentation and this Agreement, then this Agreement shall control to the extent of the inconsistency.

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 the Service. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not pay any fees 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 Online ID, PIN, or account may be occurring.

CSB reserves the right to terminate your access to the CSB Online Service that is unused for a period of 180 consecutive days. A fee of $2.50 will be charged to re-activate the service after this period.

CSB reserves the right to terminate your access to the CSB Online 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. Any notice will be effective not later than ten (10) days after we send the notice (unless a law or regulation requires a longer notice period), whether or not you have retrieved the notice by that time.

NEW SERVICES

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

VIRUS PROTECTION

You agree that Citizens Security Bank & Trust Company is not responsible for any electronic virus that you may encounter using CSB Online. 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 Citizens Security Bancshares Incorporated nor any of its subsidiaries or affiliates (collectively, Citizens Security Bank & Trust Company) nor any third party service providers engaged by CSB to perform any of the services connected with CSB, shall be responsible for any damages, loss, property damage or bodily injury, incurred as a result of your using or attempting to use the CSB Online 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 on-line service providers or any agent or subcontractor of any of the foregoing. Nor shall CSB or any third party service providers engaged by CSB 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 damages arising in any way out of the installation, use, or maintenance of the equipment, software, CSB Online or Internet browser or access software, or from the unavailability of CSB Online or for any errors in information provided though that service.

CHARGES AND FEES

Transfers of funds using CSB Online are free except as follows: If the number of transactions that you are allowed during a monthly statement cycle is limited. Transfers through CSB Online are counted, and if you exceed the total number of authorized transactions for those accounts, your account will be charged according to the applicable Deposit Agreement and Disclosures for your account.

YOUR AGREEMENT TO THESE TERMS AND CONDITIONS

Your registration for CSB Online confirms (a) your agreement to be bound by all the terms and conditions of this Agreement; and (2) your acknowledgement that you received and understand the terms of this Agreement.

SAFETY PRECAUTIONS TO USE REGARDING YOUR INTERNET BANKING ACCOUNTS

Never share your online banking user name and password. Any individual who has your user name and password can successfully masquerade as you online and can access your accounts;
Choose your password wisely. (Do not use information that could be easily guessed, such as you date of birth or social security number).
If you find it necessary to write down your user name and password, keep the information in a safe place, away from prying eyes. Do not leave it in an unsecured spot where another person may view it.
If you suspect that your user name and/or password may have been compromised, report it to the bank immediately.
Change your password periodically. A password is like a piece of chewing gum. It should not be shared and it's best when fresh.
Avoid accessing online banking through a public computer, such as one at a library or a cyber café where a malicious user may have installed a keystroke logging program or a password sniffer. It is virtually impossible to guarantee your transmission will be secure on such a machine.
If you are going to access your online account on a machine that is accessible to other users, such as a roommate, coworker, or family member, take precautions:
- If using Internet Explorer, before you access the bank's web site, go first to the menu bar at the top of the browser. Choose Tools/Internet Options. In the dialog box that appears, click on the Content tab. Then click on the "Auto Complete" button. Uncheck all auto complete buttons.
- At the end of your session, click on Tools/Internet Options, and click on the button to "Delete Temporary Files". Then click OK.
- Close the browser.
Monitor your account frequently for any unauthorized transactions and report them to the bank immediately.

USA PATRIOT ACT

In an effort to protect you and our country, the President signed the USA PATRIOT ACT on October 26, 2001. Section 326 of the Act requires all financial institutions to verify the identity of every person who seeks to open an account or become a signor on an account after October 25, 2002.

Citizens Security Bank & Trust Company is required to verify the identity of every person who seeks to open an account or become a signor on an account. All persons are subject to the identity verification requirements even though they may be a long term customer of and well known to the bank. We must maintain records of the information used to verify our customer's identity, including a copy of your picture identification.

We proudly support all efforts to protect and maintain the Security of our customers and our country.