SERVICES AGREEMENT

By making application for Online Banking @ cbankandtrust.com, you acknowledge and agree that the terms and conditions outlined in the application and this agreement will apply to and govern your use of Online Banking @ cbankandtrust.com offered by the Citizens Bank & Trust Company (‘the Bank"), and that you have read and understand the terms and conditions of this application and this agreement. This application and this agreement create a valid and binding legal contract between you and the bank. If you have questions about this agreement, contact Citizens Bank & Trust, eBanking Department, P. O. Box 469, Van Buren, Arkansas 72956, phone (479) 474-1201, before entering into this contract.

1. What This Agreement Cover. This agreement between you and the Bank governs your use of the Bank’s Online Banking @ cbankandtrust.com services, defined as any electronic service provided by the Bank that permits you to access financial services or account information through the use of a personal computer. Access will be provided through the Worldwide Web of the Internet. You are responsible for providing your own access to the Internet through the Internet Service Provider of your choice. The terms and conditions of this agreement are in addition to and shall supplement the terms, conditions, rules and regulations that apply to any of your existing Citizens Bank & Trust Company accounts or services of the Bank which you currently use.
   
    
2. Service at Online Banking @ cbankandtrust.com. The Online Banking @ cbankandtrust.com service enables you to review your current account information and to transfer funds between and among your accounts to the extent you identify your applicable accounts on your Online Banking @ cbankandtrust.com application.
   
    
3. Transfers and Payments with Online Banking @ cbankandtrust.com. When you instruct the Bank to transfer funds between or among your Citizens Bank & Trust Company accounts through Online Banking @ cbankandtrust.com, you authorize the Bank to withdraw the necessary funds from the bank account you designate. As with any funds transfer request, whether or not utilizing Online Banking @ cbankandtrust.com, you agree that you will instruct the Bank to make a withdrawal only when a sufficient balance is or will be available in your designated Citizens Bank & Trust account at the time of withdrawal. The Bank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including overdraft lines of credit, are not available in the account you designate.
   
    
4. Cost of Online Banking @ cbankandtrust.com. There are currently no monthly service charges or transaction fees for the Retail Online Banking @ cbankandtrust.com service. However, you are responsible for all telephone charges you incur in connecting to Online Banking @ cbankandtrust.com. You are also responsible for charges by any Internet Service Provider you use.
   
    
5. Changes in Terms. The Bank may change the Online Banking @ cbankandtrust.com services and the terms, including fees, set forth in this agreement at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. You understand that you are agreeing to the change by using Online Bank @ cbankandtrust.com after a change becomes effective and after you are notified of the change.
   
    
6. Cancellation. This agreement will remain in effect until it is terminated by you or by the Bank. You may cancel this agreement at any time by notifying the Bank in writing mailed to:

   Citizens Bank & Trust Company
   Attention: Online Banking @ cbankandtrust.com Department
   P. O. Box 469
   Van Buren, Arkansas 72957

   The Bank may cancel this agreement and terminate your use of Online Banking @ cbankandtrust.com for any reason, at any time. The Bank will use commercially reasonable measures to notify you in advance of any such termination, but the Bank is not obligated to do so.
    

7. Security. In order to maintain secure communications and reduce fraud, you agree to protect the security of your numbers, codes, marks, signs, public keys or other means of identification. The Bank reserves the right to block access to Online Banking @ cbankandtrust.com to maintain or restore security to the Bank’s systems if the Bank reasonably believes your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). You are liable and responsible for all Online Banking @ cbankandtrust.com transactions made using your means of identification, whether those transactions are made by you or any person you authorize, permit, or enable to have your means of identification (even if the person exceeds your authority) or by any person who obtains through you, by whatever means, your means of identification. If you have given someone your means of identification and wish to terminate their authority or if you know or believe that your means of identification otherwise is compromised, you must notify the Bank so that the Bank can take the necessary steps to change the means of identification. You agree to defend, hold harmless and indemnify the Bank from and against any and all claims of any nature arising out of any such access by a person you have authorized, permitted or enabled to have access to your Bank accounts via Online Banking @ cbankandtrust.com.
   
    
8. Limit of the Bank and Other Providers’ Responsibility. The Bank agrees to make reasonable efforts to ensure full performance of Online Banking @ cbankandtrust.com. The Bank will be responsible for acting only on those instructions sent through Online Banking @ cbankandtrust.com that are actually received and cannot assume responsibility for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages you send. The Bank is not responsible for any losses or delays in transmission of instructions arising out of the use of any Internet Service Provider or caused by any browser software. Any information you receive from the Bank can only be provided on a best-efforts basis for your convenience and is not guaranteed. The Bank is not liable for any computer virus or related problems, which may be attributable to Online Banking @ cbankandtrust.com, or to any services provided by any Internet Services Provider. In the absence of negligence on the part of the Bank, none of the Bank, any of its affiliates or any of their respective officers, directors, employees or agents is responsible for any direct, indirect, special, incidental or consequential damages arising in any way out of the use of Online Banking @ cbankandtrust.com. Because some states do not allow the exclusion of limitation of liability for consequential or incidental damages, in such states the liability of the foregoing entities and individuals is limited to the extent permitted by law.
    

   The Bank makes no express or implied warranties concerning Online Banking @ cbankandtrust.com, including but not limited to, any warranties of merchantability, fitness for a particular purpose or non-infringement of third party proprietary rights unless, and then only to the extent, disclaiming such warranties is prohibited by law.
    

9. No Other Use. Online Banking @ cbankandtrust.com gives you access to services and information from the Bank, which may be presented with a distinctive "look and feel." These services, information and "look and feel" are the proprietary property of the bank. You may use Online Banking @ cbankandtrust.com only for your personal use and may not reproduce, sell or distribute all or any portion of the information provided to you by Online Banking @ cbankandtrust.com.
   
    
10. Severability. In the event any one or more of the provisions of this agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.
    
     
11. Governing Law. The terms and conditions of this agreement shall be governed by and construed in accordance with the laws of the State of Arkansas without regard to its conflicts of law provisions. Your existing account relationships shall continue to be governed by and construed to be in accordance with the laws of the state where the Citizens Bank & Trust Company branch at which you initially established your bank account is located or has been transferred by the Bank or as otherwise specified in the applicable agreements between you and the Bank. Any issue relating to an account or service with the Bank, which you access through Online Banking @ cbankandtrust.com shall be governed by the laws specified in the agreement for that account or service if there is a separate agreement for that account or service.
    
     
12. Assignment. The Bank may assign its rights and delegate its duties under this agreement to a company affiliated with the Bank or to any other party. You may not assign any of your rights or duties under this agreement at any time.
    
     
13. Entire Agreement. This agreement is the entire agreement between you and the Bank regarding your use of Online Banking @ cbankandtrust.com, and it supersedes any prior discussions and agreements between you and the Bank regarding Online Banking @ cbankandtrust.com and supersedes any marketing or other similar material pertaining to Online Banking @ cbankandtrust.com delivered to you in writing, verbally or obtained at any Citizens Bank & Trust Company site or the site of any Internet Service Provider.
    
     
14. Interruptions in Services. The Bank shall not be responsible for nor shall it incur any liability as a result of any interruption in services provided to on-line banking customers resulting from matters outside the Bank’s control, including but not limited to interruptions in telephone service, electrical services, equipment failures, failures of outside service providers, or other interruptions in service resulting from causes beyond the Bank’s control. In addition, the Bank may on a regular basis perform maintenance on the Bank’s equipment or systems, which may result in interruption of on-line banking at Online Banking @ cbankandtrust.com. The Bank will not incur any liability as a result of any such interruptions.
    
     
15. Mandatory Arbitration and Waiver of Jury Trial. Unless otherwise required by law or regulatory provisions, all unresolved disputes or claims arising out of or related to this agreement or services to be provided pursuant to the terms of this agreement of any nature whatsoever, whether in contract, tort or otherwise, at law or in equity, shall be subject to an resolved by a binding arbitration under the expedited procedures of the Commercial Financial Disputes Arbitration Rules of the American Arbitration Association (AAA) and the Federal Arbitration Act (FAA), Title 9 of the U. S. Code. To the extent conflicts arise between the AAA procedures and the FAA, the FAA shall control. Any arbitration held pursuant to this requirement shall be conducted in the city where your account is established or as otherwise mutually agreed. A single arbitrator appointed by the AAA shall conduct arbitration. The person so appointed by the AAA shall have experience and knowledge of banking transactions. Any issue concerning whether or to the extent to which a dispute or claim is subject to arbitration, including but not limited to issues related to the validity or enforceability of these arbitration provisions, or rights pursuant to federal law or regulations, shall be determined by the arbitrator so selected. All statutes of limitation or other defenses relating to the timeliness of the assertion of a dispute or claim that otherwise would be applicable to an action brought in a court of law or equity shall be applicable to such arbitration, and the commencement of an arbitration proceeding under this agreement shall be deemed the commencement of an action for such purposes. No provision of this paragraph shall restrict the ability of any person to exercise all rights and remedies available under applicable law, regulations or this agreement, provided that the exercise of those rights or remedies is subject to the right of any other person to demand arbitration as provided herein to the extent not otherwise inconsistent with such other rights and remedies. Unless otherwise required by state statute, federal law or judicial ruling, all costs and expenses of arbitration shall be born by the non-prevailing party, and all legal costs and expenses shall be allocated in accordance with applicable state and federal law. The commencement of legal action by a person entitled to demand arbitration does not waive the right of that person to demand arbitration with respect to any counterclaim or other claim. No person entitled to demand arbitration herein shall be permitted to assert a dispute or claim that is on behalf of any other person. In addition, no claims or any other person or persons shall be jointed in such arbitration and proceeding, each arbitration proceeding being an individual and exclusive action. Similarly, an arbitration proceeding under this agreement may not be consolidated with any other arbitration proceedings. Judgment upon the award rendered in arbitration shall be final and may be entered in any court, state or federal, having jurisdiction. IF A DISPUTE OR CLAIM IS NOT SUBJECT TO ARBITRATION FOR ANY REASON, THEN THE DISPUTE OR CLAIM SHALL BE DECIDED IN A COURT OF COMPETENT JURISDICTION TRIED TO THE BENCH WITHOUT A JURY. YOU AND WE IRREVOCABLY WAIVE ALL RIGHTS TO JURY TRIAL AND SUBMIT SUCH ACTION TO THE JUDGE SITTING AS A TRIER OF FACT.
    
     
16. Minimum Software Requirements. Online Banking @ cbankandtrust.com requires access to the Internet through an Internet Service Provider (ISP) of your choice. You must have browser software installed on your computer system that supports 128-bit encryption.

17. Electronic Banking Disclosure.

(a)Introduction. This Electronic Banking Disclosure applies to Electronic Funds Transactions (EFTs) and Online Banking @ cbankandtrust.com involving the accounts of a "consumer" (a natural person). If you are not a consumer, for example, if you are a corporation, a limited liability company or a partnership, then neither this disclosure nor the terms contained therein apply to you.

Electronic Funds Transactions (EFTs) cover a growing range of methods for moving funds. The common link between all these methods is that they are all means of moving money between accounts and banks electronically, rather than using the physical movement of checks, drafts, negotiable orders of withdrawal or other similar paper instruments. EFT is currently defined as any transfer of funds that is started through an electronic terminal or magnetic tape for the purpose of ordering, instructing or authorizing us to debit or credit your account. The term includes, but is not limited to, Online Banking @ cbankandtrust.com. Transferring funds through Online Banking @ cbankandtrust.com will supplement the use of checks, credit and cash, but will not replace these present methods of doing business. As a consumer, you should be aware of your rights if you choose to utilize Online Banking @ cbankandtrust.com. We have made every effort to provide you this information in a clear and concise manner. If you have any questions, please do not hesitate to contact Citizens Bank & Trust Company:

You may also find out information about your account by calling the Citizens Bank 24 Hour Bank-By-Phone Information Line, which allows access from any touch tone telephone. Depending on the type of account accessed, you may obtain information about your current and available balance, transaction inquires (which will include paid checks, deposits, ATM transactions, EFT debits, etc.) or a specific transaction by paid check number. During regular business hours, you can speak to one of our associates who will be happy to assist you. You may contact our Bank-By-Phone Information Line at:

Telephone (479) 410-5299
Available: 365 days a year, 24 hours a day
(except for routine maintenance)

Please use this disclosure in conjunction with the appropriate account Rules and Regulations and Truth in Savings disclosures. Pleases refer to our current service fee brochure for further information. Finally, you may also find out information about your account through Online Banking @ cbankandtrust.com.

We will not sell lists containing names, addresses or other information about consumers using Online Banking & cbankandtrust.com.

(b) Definitions.

(c) General Information about Online Banking @ cbankandtrust.com. Online Banking @ cbankandtrust.com enables you to place stop payments, review your current account information and to transfer funds between and among your accounts to the extent that you identify your applicable accounts on your Online Banking @ cbankandtrust.com application, subject to an applicable statutory or regulator limitations. The use of Online Banking @ cbankandtrust.com does not affect the applicable minimum balance requirements of or rates of interest payable upon any account.

(d) Questions about your Electronic Fund Transfer(s) and/or Error Resolution. Contact the e-Banking Department promptly if you have a question or problem with an EFT (see telephone in Section 15(a). Examples of possible problems are: You think your statement is wrong; you need more information about a transaction listed on your statement; or you need more information about a transfer.

We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. You need to provide us with the following information:

• Your name, address, daytime telephone number and account number.
• Description of the suspected error or problem with a clear explanation about why you believe is it an error, problem or why you need more information.
• The dollar amount of the suspected error or problem.

If you notify the Bank orally or in person, we require you to send us the foregoing information in writing within ten (10) calendar days after that oral or in person notification. Failure to provide that writing may result in your not receiving provisional credit during the investigation period.

The Bank will inform you of the status of its investigation within ten (10) calendar days following the date you notified the Bank. The Bank will correct any error as promptly as possible; however, it may take up to forty-five (45) calendar days to complete the investigation. If more than ten (10) calendar days is needed to investigate, the Bank will provide you with provisional credit so you may have use of the money.

The Bank will correct any error within one business day after determining that an error occurred. If the Bank decides that there was no error, the Bank will send you a written explanation within three (3) business days after the completion of its investigation. Upon request, the Bank will make the documentation used in its investigation available for your inspection or provide you with copies, for a reasonable fee to cover duplication costs.

The Bank’s record of your account will be binding if there is a difference between the Bank’s record and your assertion.

(e) Stop Payments. If you have arranged for pre-authorized transfers or issued a check to a third party from your account, you can stop any of these payments by contacting the e-Banking Department in time for us to receive your request three (3) business days or more before the payment is negotiated. We will send you a confirmation receipt within seven (7) calendar days of your initial request.

It is understood that a Stop Payment Order is not effective until an actual signed order is delivered to Citizens Bank & Trust Company (by mail or in person), P. O. Box 469, Van Buren, AR 72957, within fourteen (14) days of an oral notification, and it remains effective for only six (6) months thereafter. We will charge you a fee for each stop payment order. Please refer to our Service Fees Brochure for current fees.

The initiation by you of certain EFTs from your account will, except as otherwise provided in this agreement, effectively eliminate your ability to stop payment of the transfer. Unless otherwise provided in this agreement, you may not stop payment of EFTs; therefore, you should not employ electronic access for purchases and services unless you are satisfied that you will not need to stop payment.

(f) Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting. Inform the Bank AT ONCE if you believe there is any or the potential for any fraud regarding your account. Telephoning is the best way to keep possible losses down. Contact the Bank immediately if you believe that:

• Your means of identification (as further described in Section 7) is lost or stolen.
• Your PIN and ID are known to someone other than yourself.
• You believe someone has transferred or may transfer money from your account without your permission.
• Your statement shows transfers that you did not make.

You could lose all the money in your associated accounts plus the maximum amount of any overdraft line of credit. To the extent a transaction is an electronic funds transfer, if you tell us within two (2) business days after you learn of the loss, theft or unauthorized transaction, you can lose no more than $50.00 if someone used your password or made a transaction without your

authorization. If you do NOT tell us within two (2) business days after you learn of the loss, theft or unauthorized transaction, and we can prove we could have stopped someone from using your Password or the Online Banking @ cbankandtrust.com without your authorization if you had told us, you could lose as much as $500.00. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed, electronically transmitted or otherwise made available 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 may extend the time periods as may be reasonable under the circumstances.

(g) The Bank’s Liability for Failure to Make Transfers. If the Bank does not complete an electronic funds transfer to or from your account on time or in the correct amount according to this agreement with you, the Bank will be liable for proven losses or damages. However, there are some exceptions. The Bank will NOT be liable, for instance:

• If, through no fault of the Bank, you do not have enough money in your account to make the transfer;
• If the funds in your account are subject to legal process or other encumbrance restricting such EFT;
• If the transfer would go over your credit limit;
• If the Bank’s internal computer system was not working properly and you knew abut the breakdown when you started the transfer or, in the case of a pre-authorized transfer, at the time such transfer would have occurred;
• If the system failure was not intentional and resulted from a bona fide error, notwithstanding the maintenance of procedure reasonably adapted to avoid any such error;
• If circumstances beyond the Bank’s control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken; or
• If the delay causes you no losses or damages which you can prove in court.

The Bank will be liable if you request us in writing to stop payment to a particular EFT at least three (3) business days before the scheduled debit and we do not stop payment, or if our failure to transfer out was due to our failure to credit a deposit which would have provided sufficient funds for the transfer out.

(h) Termination. You may terminate any agreement authorizing transfers to or from your account by written notice to both the person or company initiating the transfer and the Bank. Only transfers scheduled to occur after the Bank receives your notification are affected. Your written notice must be received with enough time so that both the Bank and the other person or company have a reasonable opportunity to act on your request.

(i) Charges for Transfers or Right to Make Transfers. As indicated in Section 4, there are currently no monthly service charges of transaction fees for the Retail Online Banking @ cbankandtrust.com. There are other fees associated with your account or accounts, such as stop payment fees, insufficient funds fees, uncollected funds fees and ATM transaction fees. Please refer to our current Service Fee Brochure.

(j) Prohibition of Compulsory Use. No person may

• Require you to use a pre-authorized electronic funds transfer as a condition for the extension of credit;
• Require you either to accept a transfer service or to establish an account which is accessed electronically as conditions of employment or receipt of governmental benefit; or
• Require you to pay electronically for the purchase of goods or services.

(k) Waiver of Rights. No letter or agreement signed by you can negate the rights conferred to you by law unless you decide to waive these rights in settlement of a dispute or action.

(l) Prohibited Means of Identification. Your Social Security Number cannot be used as a primary identification number, although it can be used as a secondary means of identification.

(m) Right to Change the Terms of this Disclosure and/or Agreement. We may amend this disclosure and/or agreement at any time. If we change any term(s) or condition(s), which would result in a greater cost or liability to you or decrease access to your account, we will notify you at least thirty (30) days in advance. We will mail a written notice covering the substance of the amendments to your address on record. The amendment will be in effect for transactions after its effective date, unless you notify us in writing before that date that you will not use Online Banking @ cbankandtrust.com. Otherwise, you will agree to the amendment.

We may implement a change in the terms or conditions of an account without prior notice if it is necessary to maintain or restore the security of an EFT system or a consumer’s account.