You may withdraw your consent to receive disclosures by exiting this online session anytime prior to subscribing to a service. Your consent is not stored unless you complete this online session. Withdrawal of consent after completion of this online session will not affect your account.

If you would like additional paper copies of the above disclosures, please e-mail: info@caldwellstatebank.com or phone (620) 845-6444. We will provide the disclosures to you via U.S. Mail. No fee will be charged for this service. Caldwell State Bank will not be responding to you in electronic format.

By clicking "I agree" on the CSBOnline Banking enrollment page, you are indicating you have read, understood and agree to be bound by the terms of this Agreement: indicating your execution and acceptance of the electronic delivery of the CSBOnline Discolsure; authorizing the delivery of CSBOnline Bill Pay and Banking notices on the Designated Accounts as described above; warranting you have the appropriate equipment and software to provide the ability to receive and retain CSBOnline Bill Pay Banking notices on the Designated Accounts, warranting that you have successfully viewed the CSBOnline Disclosure, and warranting you have appropriate authority to act on behalf of the Owners of any and all Designated Accounts.

CSBOnline Bill Pay On-Time Payment Guarantee
Caldwell State Bank is committed to sending bill payments made through CSBOnline Bill Pay to your designated payee on time and for the dollar amount you specify. If you properly follow the procedures described herein for CSBOnline Bill Pay and the Service fails to send a payment according to the Payment Instructions received, Caldwell State Bank will bear responsibility for all late charges. In any other event, including but not limited to choosing a Send On Date which is not five Business Days before the due date or on or past the due date stated on your invoice, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

For this reason, it is recommended that all Send On Dates selected by you be no less than five Business Days before the actual due date, not the late date and/or a date in the grace period. (For example, the payment should be entered no later than Monday before 8 p.m., Central Time, for a payment to arrive on Friday, when the actual due date of the bill is the following Friday.) Payment Instructions entered after the Cutoff Time or on non-Business Days will be considered entered in the Service on the next Business Day.

While it is anticipated that most transactions will be processed four Business Days after your selected Send Payment Date, it is understood that due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by slow responding companies or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your account.

These Guarantees cover transactions on CSBOnline Bill Pay only and do not extend to any transaction on any third party site, whether or not such third party site is linked to or otherwise advertised on our site. These Guarantees do not apply to bill pay using Microsoft® Money Banking. These Guarantees do not cover transactions conducted with your user identification and password on CSBOnline Banking if you have disclosed to others, or have otherwise been negligent in protecting, your user identification and password.

==================================================================================
CSBOnline Bill Pay Terms and Conditions
This Agreement is between you and Caldwell State Bank and governs the use of the CSBOnline Bill Pay Service ("Online Bill Pay") on this web site. When you enroll your account(s), you agree to the terms and conditions of this CSBOnline Disclosure. If you are a Business, you also agree to execute the Certificate of Resolution Authorizing Use of Internet Banking ("Resolution"). (Bank will send you the Resolution at your request or upon your acceptance of this Agreement.)

All provisions contained in this Agreement apply to both Consumer and Business accounts unless otherwise specifically stated.
DEFINITIONS:

As used in this Agreement, the following terms have the following meanings:
· "Cutoff Time" means 8:00 P.M. Central Time on any Business Day and is the time by which you must transmit instructions to have them considered entered on that particular Business Day.
· "ePayment" means an electronic payment transmitted by automated clearing house (ACH).
· "Payee" means the merchant or other person or entity to whom you wish a payment to be directed.
· "Payment Account" means your checking or now account from which all bill payments will be made. "Payment Amount" means the amount in US dollars you authorize to be paid to a Payee.
· "Payment Date" means the Business Day upon which your Payment Account will be debited. (Sometimes referred to as "Send On Date".)
· "Payment Instruction" means the information provided by you for a bill payment to be made to your Payee.
· "Pending Payment" means any Payment Instruction which you have ordered to be made which has not been canceled by you before the Cutoff Time on the Payment Date.
· "Repeating Payment" means an automatic recurring payment to the same Payee for the same Payment Amount, which you can authorize for payment up to 364 days in advance.

CSBOnline Bill Pay:
In order to use CSBOnline Bill Pay, you must maintain at least one checking, savings or NOW account with the Bank designated as Payment Account(s). . Money Market accounts are restricted to as many as six (6) preauthorized or automatic transfers per monthly statement cycle (of which only three (3) may be by check or draft). Each online transfer using a money market account is considered a preauthorized or automatic transfer. NOW accounts are restricted to 25 debits monthly.

You may pay bills only in US dollars to Payees located in the United States (including Guam, Puerto Rico, U.S. Virgin Islands and U.S. military bases). You may enter Payment Instructions for a one-time payment or for Repeating Payments up to 364 days in advance. The minimum payment you may request is $.01 and the maximum is $9,999.99.

You must be at least eighteen (18) years of age to enroll in CSBOnline Bill Pay and be a resident of the United States. You must provide a valid e-mail address to the Bank and maintain access to the Internet.

It is your responsibility to notify the Bank of any and all changes to your email address. The Bank accepts no responsibility or liability for the consequences of your failure to notify the Bank of all changes to your email address.

Repeating Payments may be scheduled on a regular basis: weekly, bi-weekly, twice a month, monthly, every two months, quarterly, semi-annually or annually.

If you are a Consumer, you may make payments to or at the direction of government agencies, organizations and institutions, and court directed payments.

The Bank has limited ability to research any issues arising from such government or court directed payments and will not be responsible for any late fees or penalties incurred by the use of the Bill Payment Service for such payments. By providing the names and account information of your Payees, you authorize the Bank to follow the Payment Instructions that it receives through the Bill Payment Service. When the Bank receives a Payment Instruction, you authorize the Bank to debit your Payment Account on the Payment Date and remit funds on your behalf. You agree to only instruct the Bank to make a withdrawal when a sufficient balance is or will be available in your Payment Account on the Payment Date. If you do not have a sufficient balance, the payment will not be made. The Bank is under no obligation to notify you if a payment is not completed because there are non-sufficient funds in your Payment Account to process the transaction.

BILL PAY PROCESSING:
Payment Instruction entered must include a Payment Date (Send On Date). You should select a Send On Date based upon the actual payment due date on your bill, not the late date or a date in the grace period. The Send On Date should allow sufficient time for processing the transaction and remitting the funds (either by ePayment or check) to the Payee. No less than three business days should be allowed, after Bank processing, for remittance of funds if by ePayment. No less than five business days should be allowed, after Bank processing, for remittance if by check. (For example, if the actual due date of the bill is Wednesday the 9th the latest date that should be chosen as the Send On Date is Friday the 4th, if remittance is by ePayment, or Wednesday the 2nd if remittance is by check.) The determination of whether payment is made by ePayment or check is at the sole discretion of the Bank and will be based primarily on acceptance of ePayments by specific Payees. The Bank is not responsible for any charges imposed or any other action, by a Payee resulting from a late payment, including any applicable finance charges and/or late fees. 8:00 P.M. CST is the batch cut-off time for same day consumer initiated

CSBOnline bill payments.
Payment Instructions may be processed either electronically or via check. You may schedule multiple payments to the same Payee with the same Payment Date so long as they are for differing Payment Amounts. If you enter multiple payments to the same Payee with the same Payment Date and in the same Payment Amount, the Bill Payment Service will not send the duplicate payments. When more than one customer schedules a payment to the same Payee on the same date, all such payments may be consolidated and one electronic file or check may be issued to the Payee.

Since your Payment Instructions are transmitted by computer, the payment will not be sent to the Payee with the Payee's payment stub. Payments received without the payment stub are sometimes processed at a different location. In addition, some Payees take longer to process payments made without payment stubs. It is your responsibility to contact your Payees to ensure that the address provided in your Payment Instruction is the correct address and that you allow sufficient time for the Payment to be sent and posted by the Payee.

CANCELLING PAYMENTS AND PLACING STOP PAYMENTS:
You may cancel or change any Payment Instruction prior to the Cutoff Time on the Payment Date. If the payment has been made by check, you may request a stop payment be placed on that check by contacting Caldwell State Bank at (620) 845-6444. No stop payment will be placed if the check has already been presented for payment. A written or confirmed stop payment is effective for six (6) months. Each renewal must be received by the Bank prior to the expiration of the prior six (6) month period. If you request a stop payment on a Repeating Payment, further payments will not be made to that Payee unless you enter new Payment Instructions.

You may be charged for each stop pay request in accordance with the most current applicable fee schedule.
No stop payment can be placed after the Cutoff Time on the Payment Date if the payment has been made by ePayment, the stop payment Cutoff Time is 10:00 P.M. C.S.T.

Your request through CSBOnline Banking to stop payment of a check drawn on your Account is subject to the terms and conditions of stop payments.

You may not request through CSBOnline Banking the stop payment of an electronic item (such as an ACH) or a check which has been made into an electronic item (such as an electronically recleared check). A fee will be charged to place a stop payment. 10:00 P.M. CST is the cut-off time for same day consumer initiated CSBOnline stop payments (except those excluded above).

GENERAL PROVISIONS:
The Bank will use its best efforts to make your payments properly and in accordance with your Payment Instructions. The Bank shall not be responsible and shall have no liability for any payment it is unable to complete due to any of the following circumstances:

· Through no fault of the Bank, your Payment Account does not contain sufficient funds to complete the transaction.
· The Bill Payment Service is not working properly and you know or have been advised of the malfunction before you execute the transaction.
· You have not provided correct information regarding the Payee.
· Circumstances beyond the control of the Bank (such as, but not limited to, telecommunications failure, acts of God, fire, riot, war, act of terrorism, or severe or adverse weather) prevent the proper execution of the transaction and the Bank has taken reasonable precautions to prevent the circumstances.

If for any reason your access connection is interrupted during an on-line session or you have questions regarding whether your Payment Instructions were received by the Bank, please call Caldwell State Bank at (620) 845-6444.

SERVICE CHARGE AND CHANGES TO AGREEMENT:
A monthly service fee will be charged to your Billing Account in accordance with the current applicable fee schedule. This fee may be changed at any time after prior notice to you. This Agreement may be revised at any time, effective upon posting the revised Agreement on this Internet Site. Continued use of CSBOnline Bill Pay after posting of a revised Agreement or notice of a fee change will constitute acceptance and agreement to the revisions in the Agreement or changes in service fee.

DISCONTINUATION OR TERMINATION OF BILL PAY SERVICE:
In the event you wish to discontinue using CSBOnline Bill Pay, you must provide ten (10) days written notice prior to the actual discontinuation date. Written notice must be sent to Caldwell State Bank Internet Support, P.O. Box 153, Caldwell KS 67022. Once the Bank has acted on your discontinuation notice, the Bank will make no further bill payments, including any bill payments previously authorized.

The Bank may terminate your use of this Bill Pay Service, in whole or in part, at any time without prior notice. The Bank reserves the right to cancel CSBOnline Bill Pay to all customers, without prior notice. Your access to CSBOnline Bill Pay will be terminated automatically if the Payment Account is closed or access to the Payment Account is restricted for any reason.

Discontinuation or termination of CSBOnline Bill Pay shall not affect your liability or obligation under this Agreement.

GOVERNING LAW:
This Agreement shall be governed by and construed in accordance with the law of the state of Kansas without regard to principles of conflicts of laws.
THE FOREGOING SHALL CONSTITUTE THE BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. BANK DOES NOT PROVIDE WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE. IN NOEVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, LOST PROFITS (EVEN IF ADVISED OF THE POSSIBLITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT AND / OR ONLINE BILL PAY.
=================================================================================
CSBOnline Internet Banking Fees
CSBOnline eBanking is FREE.
CSBOnline eStatement is FREE.
CSBOnline Bill Payment is FREE
Bill Payment Check Photocopy Fee is $5.00 per item, eBanking Bill Payment Stop Payment Fee is $16.00 per item. Overdraft Fee is $16.00 per item.
=================================================================================
Caldwell State Bank Internet User Agreement
Caldwell State Bank requires that all visitors (collectively, the "User") to its site on the World Wide Web (the "Site") adhere to the following rules and regulations. Please read the terms carefully before using this Site. By accessing the Site, User acknowledges and accepts these terms and conditions. Caldwell State Bank may modify or supplement this User Agreement by publishing amendments on the Site and may discontinue or revise any or all others aspects of the Site in its sole discretion and without prior notice to User.

Ownership of Site
All information, including test and graphics, contained in the Site is subject to a copyright by Caldwell State Bank as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without permission of Caldwell State Bank the holder of the copyright.

Products and Services Offered on the Site
Caldwell State Bank may make available to User various products and services through the Site. Not all of the products or services described on the Site are available in all geographic areas. Every User may not be eligible for all products or services. Caldwell State Bank reserves the right to determine a User's eligibility for any product or service subject only to federal or state law. In addition to the terms and conditions of this User Agreement, specific Caldwell State Bank products or services may be subject to certain other disclosures and agreements.

Banking Products and Services
Deposit and loan products and services are made available through Caldwell State Bank a Kansas-chartered bank with its main office in Caldwell , Kansas . Caldwell State Bank is federally insured by the FDIC and an Equal Opportunity Lender.

General Disclaimer of Warranties and of Liability
Caldwell State Bank does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User's own risk. By using the Site, User acknowledges that Caldwell State Bank specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with User's access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any viruses which may infect a user's computer equipment. Except as restricted by applicable law, or express agreement, Caldwell State Bank is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, loss of data, or otherwise. THE SITE IS DISTRIBUTED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES OF SPECIFIC CALDWELL STATE BANK HAS EXPRESSLY AGREED

Disclaimers Relating to Products and Services of Third Parties
Caldwell State Bank may maintain on its Site one or more electronic malls or market places, or otherwise make available hypertext links, icons or marks of various merchants, suppliers and other companies unrelated to Caldwell State Bank. Caldwell State Bank has provided these hypertext links, icons or marks for User convenience and does not endorse or accept responsibility for any such websites. Caldwell State Bank makes no representations about any website User may access through its Site.

Any third party website linked to this Site is independent for Caldwell State Bank and Caldwell State Bank has no control over the products, services or information contained in or available through these third party websites. The quality and dependability of these third party websites may vary as they are updated or altered, and Caldwell State Bank does not accept responsibility for monitoring or testing the quality or dependability of these third party sites. Access to any third party websites linked to this Site is at the User's own risk. Caldwell State Bank shall not be considered an agent of any third party and Caldwell State Bank shall have no responsibilities nor liabilities to any User regarding any action, omission, or warranty of any kind concerning any third party, its products, services or information. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, Caldwell State Bank does not endorse, and shall have no obligation or liability concerning, such third party's delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, Caldwell State Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and Caldwell State Bank specifically disclaims all other warranties with regard to said services and products. Additional disclosures and agreements relating to specific products and services of third party providers are available from the site of the third party. Before dealing with any third party, the User should read, understand and be satisfied with the terms and conditions of such third party related to its products, services or information.

Access to Site
Certain products and services available on the Site, including CSBOnline Banking requires password(s), user id's, electronic signatures, authentication certificate(s) or other authentication procedures to assist in attributing an electronic record to a User ("Access Authentication"). Such Access Authentication may be revised by Caldwell State Bank or a third party provider from time to time without prior notice to User. User shall be solely responsible for controlling and safeguarding its Access Authentication to prevent disclosure to unauthorized person(s). Do not display your password at or near your computer. Do not use numbers or names that others can guess for your password. No Caldwell State Bank person will ever need to know your password and you should not furnish it to anyone claiming to represent Caldwell State Bank. You should exit Caldwell State Bank Online Banking or any other secured site, as soon as you complete your transaction. Do not leave your computer with your account information on the screen. It is recommended that you close your browser after signing off from Caldwell State Bank Online Banking, or any other secured site, to clear account information from your browser's memory. You should treat your Access Authentication as a valuable financial asset and be diligent in safeguarding it from disclosure to unauthorized person(s). User shall be responsible for all use of the Site accessed through User's Access Authentication. User hereby ratifies and guarantees any obligation or transaction entered into or assumed by others who access the Site through User's Access Authentication. User agrees to promptly notify Caldwell State Bank, or the applicable third party provider, of the loss or theft of User's Access Authentication.

Access to Site by Aggregator or Other Agent of User
If you share your user id and password with others, such person(s) will be deemed to be your authorized agent(s) for accessing the products and services on the Site, and you will be solely responsible for all transactions they conduct, even if those transactions are beyond the scope of the agreement you have with your agent. This includes any information obtained or transactions conducted by an Aggregator, or person(s) who obtain your user id and password through an Aggregator. An Aggregator uses a method called screen scraping to collect your Internet account information from various sources and consolidate it in one place. You will be asked to provide your user ids and passwords for your Internet accounts to the Aggregator to be maintained by the Aggregator and used to access your Internet accounts. Whether or not to use an aggregation service is a decision requiring careful review of the risks and of the specific Aggregator providing the service. Since your confidential user id, password and account information will be stored with the Aggregator, it is essential that you have confidence in the Aggregator and its security, and be satisfied with the terms of the Aggregator's privacy policy and user agreement. Caldwell State Bank is not an Aggregator.

Transmission of Information to Bank
Any communication or material you transmit to us via the Site or Internet electronic mail becomes the property of Caldwell State Bank and may be used by Caldwell State Bank for any purpose within the limits of our Privacy Policy. You may not transmit any obscene, libelous or defamatory messages to us. All communications you send to us may be shared by Caldwell State Bank with any of its affiliates unless you notify us to the contrary.

Governing Law
The Site is operated by Caldwell State Bank from its headquarters in the State of Kansas . Caldwell State Bank of Kansas makes no representation that the information contained in the Site complies with the laws of any other jurisdiction. The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Service
Caldwell State Bank reserves the right to deny or terminate User's access to or use of the Site, or any service or product, in Caldwell State Bank’s sole discretion, without notice and without limitation, including, but not limited to User's breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of Caldwell State Bank access to any product or service from any third party provider.

I agree to all terms and conditions in the CSBOnline Disclosure and acknowledge having read, understood and printed out all pages of the document.