Introduction

This Internet Banking Access Agreement for accessing your personal accounts via Community Bank of the South's Online Banking explains the terms and conditions which govern online account activity.

By using the online financial services provided by Community Bank of the South, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Georgia.

The term "business day" refers to every day except Saturday, Sunday and Federal Banking Holidays..

Accessing Your Accounts
In order to activate Online Banking, you must have at least one account with Community Bank of the South.

As a customer of Community Bank of the South, you may access your accounts by selecting and using an online password (PIN). You should keep your PIN in a secure location. Any person having access to your Community Bank of the South PIN will be able to access Online Banking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible with your PIN.

You will use the last four digits of your social security number (or the PIN number that you use to access TELEBANK, if it has been changed) that will allow you to log on to Community Bank of the South's Online Banking for the first time. The first time you log into Online Banking, you will be required to change the assigned password and choose a password known only to you containing a combination of Alpha and Numeric characters. The password must be at least six (6) digits and no more than sixteen (16) digits. The user can change their password through the Online Banking at any time, and occasional password changes are recommended.

If you suspect that an unauthorized person has access to your password, please use one of the following methods to contact us immediately:

There are no monthly fees for viewing these accounts or for transferring funds between accounts.

Terms and Conditions
The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure.

Community Bank of the South reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service contact us at 678-385-7534 or via e-mail at online@cbsouth.com.

Balance Information-You may access any eligible Community Bank of the South bank account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry.

If you do not access your accounts via Online Banking for any three-month period, Community Bank of the South reserves the right to disconnect your service.

You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at Community Bank of the South.

If you wish to cancel any of your Online Banking services, please contact Community Bank of the South at 678-385-7534, e-mail us at online@cbsouth.com or send us cancellation instructions in writing to Community Bank of the South, 3016 Atlanta Road, Smyrna, GA 30080 Attn: Deposit Operations.

Fees and Charges for Online Banking
There are no monthly fees for viewing accounts or transferring funds between accounts. For additional services offered online the following charges will apply:

We reserve the right to change the fees, charges or other terms outlined in this agreement. We will notify you 30 days prior to implementation of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing or discontinuing the service to which the changes relate. Changes to fees applicable to specific accounts are governed by the applicable account disclosure.

Hours of Accessibility
You may access Online Banking at Community Bank of the South seven days a week, 24 hours a day. Necessary system maintenance will be scheduled for hours in which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system (TELEBANK), one of our ATM machines or a branch office to conduct your transactions.

Customer Rights and Responsibilities
In addition to this agreement you agree to be bound by and comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions. If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, or changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us call 678-385-7534, e-mail at online@cbsouth.com or call your local branch.

Stop Pays
Stop pays will be processed the same day as long as they are received before 4:00 p.m. EST. There is a $32.00 fee that will be automatically assessed to your account. We WILL NOT be liable:

Stop Payment Agreement-You agree that unless your stop payment order is received by the bank within a reasonable time for the bank to act on your order prior to final payment of the check, the bank will not be responsible for stopping payment. You agree that you may not stop payment on any type of ACH/EFT transfers including Point of Sales and Pre-authorized ACH transactions, any Cashiers Check, certified check or other financial institution check you have purchased from the bank, or any check of which the bank has guaranteed. You understand that your stop payment request is conditional and subject to the bank's verification that the check has not already been paid or that some other action to pay the check has not been taken by the bank.

Duration-A stop payment order against a check is effective only against the check that is described in the online stop payment order. A written stop payment order is effective for six (6) months only and will expire automatically at that time unless you have specifically renewed it prior to expiration.

Fees-You agree to pay a service charge for this stop payment order in the amount shown in the banks current disclosure of fees and charges. Unless otherwise agreed, the bank is authorized to charge this service charge to the account.

Indemnification-You agree to indemnify, defend and hold the bank harmless against all costs, including attorneys fees, actions, damages or claims related to or arising from the bank's action in refusing payment of the check, including claims of any joint depositor, payee or endorsee or in failing to stop payment of a check, as a result of incorrect information provided by you. You agree to notify the bank promptly upon the issuance of any duplicate check, which replaces the check subject to this order or upon return of the original check.

Limitations on Bank Liability
The bank will not be responsible for the following incidents, errors or failures:

Access-The bank will not be responsible for failure to provide access to Online Banking at Community Bank of the South due to a system failure or due to other unforeseen acts or circumstances.

Your Computer Equipment or Software- We will not be responsible for any error or failures from a malfunction of your computer or any computer virus or other problems related to your computer equipment used with Online Banking. The bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer, Netscape Navigator, or otherwise), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken, or Microsoft Money), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Community Bank of the South.

Electronic Mail (e-mail)

You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal or financial information by e-mail. There may be times when you need to speak with someone immediately, in these cases, call your local branch.

Ownership of Website
Community Bank of the South prohibits the unauthorized use, reproduction, linking, or distribution of any portions of information contained on our website.

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