Online Banking Agreement and Disclosure

Cypress Bank, SSB Online Banking Agreement and Disclosure

WHAT THIS AGREEMENT COVERS

This agreement between you and Cypress Bank, SSB governs the use of Online Banking services
and transfers outside of Cypress Bank. These services permit our customers to perform various
banking activities on accounts linked to the services through the use of a personal computer.

ACCEPTING THIS AGREEMENT

When you or your authorized agent use any of the Online Banking services described in this agreement, you agree to the terms and conditions of the entire agreement.

ONLINE BANKING SERVICES

To access your account via Online Banking, you are required to complete the enrollment process
through the Cypress Bank website and have an eligible account (checking account, savings
account, money market accounts, and/or personal loans). Upon completion of the enrollment
form, you will be required to setup an Access ID and Password of your choosing. Any person
having access to your login name and password will be able to access your accounts through the
Online Banking service.
The Online Banking service is accessible seven (7) days a week, twenty-four (24) hours a day,
except for reasonable periods from time to time for system maintenance. There may also be
unscheduled down time, but we will work to minimize such interruptions in service. You agree
that we are not liable for scheduled or unscheduled interruptions regarding the Online Banking
services.
In addition to the reasons set forth below, we may modify, suspend, or terminate access to your
Online Banking service at any time and for any reason without notice or refund of fees you have
paid.

TYPES OF TRANSACTIONS

At the present time, you may use the Online Banking service to access your accounts and
perform the following functions:
• Transfer funds between your bank accounts.
• Review account balance and transaction history for your bank accounts.
• Communicate with us via our E-mail address: info@cypressbanktx.com

SERVICE LIMITATIONS

The following limitations on Online Banking service transactions may apply in using the
services listed previously.
Transfers
You may transfer or withdraw up to the available balance in your account at the time of the
transfer, except as limited under this agreement or your deposit or loan agreements.
Transfers to deposit account(s) are immediately reflected in the account balance online and at
ATM’s. In order for transferred funds to be available to pay items that are processed against your
account overnight (i.e. checks, direct debits), they must be entered before the cut-off time of 6:00
p.m. CST to avoid possible NSF or overdraft fees. Please be sure to make your transfers before
the cut-off time.
The account balance and transaction history information may be limited to recent account
information involving your accounts. Also, the availability of funds for transfer or withdrawal
may be limited due to the processing time for ATM transactions and our Funds Availability
Policy.
We may not immediately receive e-mail communications that you send and we will not take
action based on e-mail requests until we actually receive your message and have a reasonable
opportunity to act. If you need to contact us immediately regarding an unauthorized transaction
or stop payment request, you may call us at (903)-572-7585.

ALERTS

 Your enrollment in Cypress Bank Online Banking and/or Mobile Banking (the
“Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts
are electronic notices from us that contain transactional information about your Cypress Bank
account(s). Account Alerts and Additional Alerts must be managed and/or added online through
the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify
you when we cancel alerts, but are not obligated to do so. Cypress Bank reserves the right to
terminate its alerts service at any time without prior notice to you.

Methods of Delivery.

We may provide alerts through one or more channels (“endpoints”): (a) a
mobile device, by text message, (b) a mobile device, by push notification; (c) an email account,
by an e-mail message; or (d) your Cypress Bank Online Banking message inbox. You agree to
receive alerts through these endpoints, and it is your responsibility to determine that each of the
service providers for the endpoints described in (a) through (c) above supports the email, push
notification, and text message alerts provided through the alerts service. Please be advised that
text or data charges or rates may be imposed by your endpoint service provider. Alert frequency
varies by account and preferences. You agree to provide us a valid mobile phone number or
email address so that we may send you alerts. If your email address or your mobile device's
number changes, you are responsible for informing us of that change. Your alerts will be updated
to reflect the changes that you communicate to us with regard to your primary and secondary
email addresses or mobile device number.
Alerts via Text Message. To stop alerts via text message, text "STOP" to 99588 at any
time. Alerts sent to your primary email address will be unaffected by this action. To restore
alerts on your mobile phone, just visit the alerts tab in Cypress Bank Online Banking. For help
with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service
at (903)-572-7585. Our participating carriers include (but are not limited to) AT&T, SprintPCS,
T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations.

Cypress Bank provides alerts as a convenience to you for information purposes
only. An alert does not constitute a bank record for the deposit or credit account to which it
pertains. We strive to provide alerts in a timely manner with accurate information. However, you
acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s)
affecting your mobile phone service provider, internet service provider(s) and other factors
outside Cypress Bank’s control. We neither guarantee the delivery nor the accuracy of the
contents of each Alert. You agree to not hold Cypress Bank, its directors, officers, employees,
agents, and service providers liable for losses or damages, including attorneys' fees, that may
arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the
misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your
reliance on or use of the information provided in an Alert for any purpose.

Alert Information.

As alerts delivered via SMS, email and push notifications are not encrypted,
we will never include your passcode or full account number. You acknowledge and agree that
alerts may not be encrypted and may include your name and some information about your
accounts, and anyone with access to your alerts will be able to view the contents of these
messages.

BILL PAYMENT SERVICES

In addition to the Online Banking feature previously discussed, you may also enroll in Cypress
Bank’s Bill Payment service. This service allows you to make one-time or recurring payments
online from your linked checking account(s), and Daily Investment Account (Money Market) to
companies or individuals (payee) you select

BILL PAYING AGREEMENT/DISCLOSURE

This is your bill paying agreement with Cypress Bank, SSB. You may use Cypress Bank's bill
paying service, to direct Cypress Bank to make payments from your designated checking account
to the Payees you choose in accordance with this agreement. The terms and conditions of this
Agreement are in addition to the account agreements, disclosures and other documents in effect
from time to time governing your account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means anyone,
including the financial institution, you designate and the financial institution accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete the bill pay enrollment process through our website. IF YOU WANT TO ADD A
NEW PAYEE, USE "SET UP ACCOUNTS/PAYEE" ON THE INTERNET OR SPEAK TO A
SERVICE REPRESENTATIVE. You may add a new fixed payment to a Payee, only if the
Payee is on your authorized list of payees, and by accessing the service and entering the
appropriate information. Most other additions, deletions, or changes can be made in writing or by
using the service. The financial institution reserves the right to refuse the designation of a Payee
for any reason. Each Payee accepted by the financial institution will be assigned a payee code.
Although you may pay almost any payee you wish, there are several restrictions: 1) The
merchant must be located in the United States; 2) Payments may not be remitted to tax
authorities or government and collection agencies; 3) Payments may not be remitted to security
companies such as Ameritrade for stock purchases or trade taxing authorities and 4) Court
directed payments are unauthorized (alimony, child support, or other legal debts). You may also
use this system to send payments to your son/daughter in college, pay your local orthodontist,
credit cards, charitable donations, etc. A merchant is defined as anybody (company or individual)
to whom you want to send money.

The financial institution is not responsible if a Bill Payment cannot be made due to incomplete,
incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a
Payee that is not on your Authorized Payee list.

ACCESSING THE SERVICE

After completing the bill paying enrollment process online, you will select a USER ID and
Personal Identification Number (PIN). The financial institution will make every effort to
accommodate your request. Each time you access the service, you will be asked to enter your
USER ID AND PIN. Correct responses will give you access to the service.

THE BILL PAYING PROCESS

Single Payments
A single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payment’s process date, provided the payment
is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is
controlled by the financial institution, is currently 2:00 pm CST. A single payment submitted
after the cut-off time on the designated process date will be processed on the following business
day. If you designate a non-business date (generally weekends and certain holidays) as the
payment’s process date, the payment will be processed on the first business day following the
designated process date.

Recurring Payments
When a recurring payment is processed, it is automatically rescheduled by the system. Based
upon your selected frequency settings for the payment, a process date is calculated for the next
occurrence of the payment. If the calculated process date is a non-business date (generally
weekends and certain holidays), it is adjusted based upon the following rules:
      • If the recurring payment’s "Pay Backward" option is selected, the process date for the
        new occurrence of the payment is adjusted to the first business date prior to the calculated
        process date.
      • If the recurring payment’s "Pay Backward" option is not selected (or if the "Pay
        Backward" option is not available), the process date for the new occurrence of the
        payment is adjusted to the first business date after the calculated process date.
 Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a
particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated process
date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS
DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west
subscribers, allow seven (7) days and for west coast subscribers, allow eight (8) days). Any bill
payment can be changed or canceled, provided you access the Bill Pay Service prior to the cutoff
time on the business day, prior to the business day the bill payment is going to be initiated.
You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as any other payment
obligations you have to the financial institution. The financial institution reserves the right,
without liability, to reject or reverse a bill payment if you fail to comply with this requirement or
any other terms of this agreement. If you do not have sufficient funds in the account and the
financial institution has not exercised its right to reverse or reject a bill payment, you agree to
pay for such payment obligations on demand. You further agree the financial institution, at its
option, may charge any of your accounts with the financial institution to cover such payment
obligations. The financial institution reserves the right to change the cut-off time. You will
receive notice if it changes.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make or that you authorize
another person to make even if that person exceeds his or her authority. If you want to terminate
another person's authority, you must notify the financial institution and arrange to change your
PIN. You will be responsible for any Bill Payment request you make that contains an error or is a
duplicate of another Bill Payment. The financial institution is not responsible for a Bill Payment
that is not made if you did not properly follow the instructions for making a Bill Payment. The
financial institution is not liable for any failure to make a Bill Payment if you fail to promptly
notify the financial institution after you learn that you have not received credit from a Payee for a
Bill Payment. The financial institution is not responsible for your acts or omissions or those of
any other person, including, without limitation, any transmission or communications facility, and
no such party shall be deemed to be the Financial Institution's agent. In any event, the financial
institution will not be liable for any special, consequential, incidental, or punitive losses,
damages, or expenses in connection with this agreement or the service, even if the financial
institution has knowledge of the possibility of them. The financial institution is not liable for any
act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the
financial institution's reasonable control.

AMENDMENT AND TERMINATION

The financial institution has the right to change this agreement at any time by notice mailed to
you at the last address shown for the account on the financial institution's records, by posting
notice in branches of the financial institution, electronically (notice on your monthly statement),
or as otherwise permitted by law.

The financial institution has the right to terminate this agreement at any time. You may terminate
this agreement by written notice to the financial institution. The financial institution is not
responsible for any fixed payment made before the financial institution has a reasonable
opportunity to act on your termination notice. You remain obligated for any payments made by
the financial institution on your behalf.

FEES

The financial institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any
such charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the
Electronic Fund Transfers Disclosure Statement included, or, received when you
opened your account, which discloses important information concerning your rights
and obligations.

Continue to Online Banking Enrollment

Contact us for more information.

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