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CITIZENS
BANK & TRUST COMPANY You may agree to the
terms and enter the Citizens Online Connection by clicking "ACCEPT"
at the bottom of this page or "DECLINE" if you do not accept the
terms of this agreement and do not wish to use Citizens Online Connection. Browser Security
Requirements: (View our list of supported browsers to see if your version is
on the list) Citizens Online Connection uses strong encryption to ensure your
account information remains safe and confidential while traveling over the
Internet. You will need strong encryption
web browser to access Citizens Online Connection. The Service Citizens Bank & Trust Company,
Ardmore, Oklahoma ("BANK"), agrees to provide internet banking
services (?Citizens Online Connection?) as described from time to time in
information distributed by BANK to its customers. In the agreement,
"Customer" refers to the person(s) subscribing to or using Citizens
Online Connection. You may use a Personal Computer
("PC"), an Internet connection, an access ID and password to obtain
account balances and transaction information. You may also use your PC to
obtain statements on your accounts (eSTATEMENT REQUIREMENTS AND AGREEMENT), transfer
money between your accounts, and pay bills directly from your checking
account in the amounts and on the day you request. Transfers from your
Money Market account to another account or to third parties by
pre-authorized, automatic, telephone, or through electronic bill payment are
limited to six per statement cycle. Transfers from a savings account to
another account or to third parties by pre-authorized, automatic, telephone,
or through electronic bill payment are limited to six per quarter with no
transfers by check, or similar order to third parties. BY CLICKING ON THE
"ACCEPT" BUTTON, YOU THEREBY INDICATE YOUR CONSENT TO THESE TERMS
AND ACKNOWLEDGE YOUR RECEIPT AND UNDERSTANDING OF THIS DISCLOSURE AND
ADDITIONAL REQUIREMENTS. PLEASE READ THIS AGREEMENT AND DISCLOSURES CAREFULLY
AND KEEP A COPY FOR YOUR RECORDS. Your Access ID and PIN Each individual who has
access to Citizens Online Connection, including each individual named on
joint accounts, must have a unique access ID and Password. Your
password must be a minimum of 9 characters and meet complexity requirements,
we recommend using a strong password. When you log-in to the
system as a First Time Customer, you must use your Citizens Connection
the 24 Hour Information Phone Line,
assigned password. You will be prompted to change your password;
however, this will not change your Citizens Connection
password. Call us at 580-226-4610 if you do not know your Citizens
Connection password. You may be required to change your password
periodically to enhance security. To guard against unauthorized use of
your access ID and password, Citizens Online Connection disables the password
on the third incorrect attempt to log-in. The disabling of the
password keeps an unauthorized agent from attempting to guess a password. This
will occur if you accidentally activate this security feature by
unintentionally miss-keying a password three times. You will need
to call the bank to reestablish the password for your
account(s). A common mistake made by users is having the caps-lock
on while keying in an access ID or password. Since the access ID
and password are case sensitive and you cannot actually
see the password characters you are typing, it is easy to think
you are typing the password correctly. Delivery of Your
Transfers You may schedule transfers to be
initiated on the current business day, on a future date, or on the same date
of each month, subject to the restrictions in agreements between you and the
BANK. Although you can enter transfer information through Citizens Online
Connection twenty-four (24) hours a day, seven (7) days a week, transfers can
be initiated only on business days. Funds will be deducted from your account
on the business day on which a transfer is to be "initiated." This
date is referred to in this Agreement as the "Transaction Date." If
you direct the initiation of a transfer to occur on a day other than a
business day, it will be initiated on the following business day. Transfers
must be scheduled by the normal cut-off time of 6:00 p.m. (CST) on any
business day in order for the transaction
to be completed on that business day. Recurring Transfers Recurring transfers are those made
for the same amount and are made on a weekly, bi-monthly, monthly basis, etc.
Once started, recurring transfers will be made automatically until you tell
us to stop or cancel the transfers and we have a reasonable opportunity to
act on your request. Our Liability of
Failure to Complete Transactions If we do not complete a transfer to
or 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 if it is our
responsibility. However, there are some exceptions. We will not be liable,
for instance:
All payments, transfers, and or/fees
made with Citizens Online Connection will appear on your monthly Account
statement. The Payee name, payment amount, and the date of the transfer will
be shown for each transfer made through Citizens Online Connection during
that month. If you have arranged to have direct
deposits made into your account at least once every 60 days from the same
person or company, you can call our Citizens Connection service or use
Citizens Online Connection to find out whether or not the
deposit has been made. Citizens
Connection number: 877/223-6250 Fees and Charges Bank may modify its fee
schedule at any time upon 30 days prior written notice to you. You are also
responsible for any telephone tolls and charges (including long distance
charges, if any), which you incur by accessing your accounts utilizing Citizens
Online Connection and other related fees. Equipment You are solely responsible for the
equipment (including, in the case of Citizens Online Connection, your
personal computer and software) you use to access Citizens Online Connection.
We are not responsible for errors or delays or your inability to access
Citizens Online Connection caused by your equipment. We are not responsible
for the cost of upgrading equipment to stay current with Citizens Online
Connection nor are we responsible, under any circumstances, for any damage to
your equipment or the data resident thereon. Business Days/Hours of
Accessibility Unless otherwise defined by this
Agreement or in an Exhibit, a Business Day is any day that Bank is operating
and open for business. Saturdays, Sundays and selected Federal holidays will
not be considered Business Days. You should contact Bank to
inquire if a given Federal holiday is determined by Bank to be a Business
Day. All transactions, deposits, instructions and
entries received by Bank on a day that is not a Business Day will be treated
as if received on the next Business Day. Contact us for information
regarding Bank's normal business hours or
visit our web site for hours of operation. You can usually access your Accounts
through Citizens Online Connection seven (7) days a week, 24 hours a
day. However, at certain times, some or all of Citizens Online Connection may
not be available due to system maintenance or reasons beyond Bank's
control. Bank specifically does not
warrant that Citizens Online Connection will be
available at all times. During those times when Citizens Online
Connection is not available, you may use touch-tone telephone service,
any TransFund or participating ATM
network, or a Bank branch to conduct your transactions (assuming you have
applied for and been accepted to utilize such telephone and ATM services). A
transfer, other than a wire transfer, initiated through Citizens Online Connection
before 6 p.m. (Central Time) on a Business Day will be posted to your account
the same day. All transfers completed on a Saturday, Sunday or
banking holiday or after 6 p.m. (Central Time) on a Business Day will be
posted on the next Business Day. Notice of Your Rights
and Liabilities Security of your transactions is
important to us. Use of Citizens Online Connection therefore requires an
access ID and password. If you lose or forget your access ID or password,
please call Customer Service during the normal business hours listed below. Customer Service
Number: 580/226-4610 We may accept as authentic any
instructions given to us through the use of your
access ID or password. You agree to keep your access ID and password secret
and to notify us immediately if your access ID or password is lost or stolen
or if you believe someone else has discovered your access ID or password. You
agree that if you give your password to someone else, you are authorizing
them to act on your behalf, and we may accept any instructions they give us
to make transfers or otherwise use Citizens Online Connection. Do not
discuss, compare, or share information about your account number(s), Access
ID, or Password, with anyone unless you are willing to give him or her full
use of your money. If you furnish your password and grant actual authority to
make transfers to another person (a family member or coworker, for example)
who then exceeds that authority, you are liable for the transfers unless we
have been notified that transfers by that person are no longer authorized and
we have sufficient time to act on your instructions. Citizens Online
Connection enables you to change your password; we require that you do so
regularly. We may be liable for certain security breaches to the extent
required by applicable law and regulation. We do not assume any other liability
or otherwise guarantee the security of information in transit to or from our
facilities. Please note that we reserve the right to but are not
obligated to (1) monitor and/or record all communications and activity
related to Citizens Online Connection; and (2) require verification of all
requested transfers in the manner we deem appropriate before making the
transfer (which may include written verification by you). You agree that our
records will be final and conclusive as to all questions concerning whether or not your access ID or password was used in
connection with a particular transaction. If any unauthorized use of your
access ID or password occurs you agree to (1) cooperate with us and
appropriate law enforcement authorities in identifying and prosecuting the
perpetrator; and (2) provide reasonable assistance requested by us in
recovering any unauthorized transfer of funds. WE CANNOT ACCEPT
NOTIFICATION OF LOST OR STOLEN ACCESS IDs OR PASSWORDS OR UNAUTHORIZED
TRANSFERS VIA E-MAIL. Tell us AT ONCE if
you believe your access ID or password has been lost, stolen, or compromised
in any way. Telephoning is the best way of keeping your possible losses down.
You could lose all the money in your account (plus your maximum overdraft
line of credit). If you tell us within 2 business days, you can lose no more
than $50. If you do NOT tell us within 2 business days after
you learn of the loss or theft of your access ID or password, and we can
prove that we could have stopped someone from using your access ID or
password without your permission, if you had told us, you could lose as much
as $500. Also, if your statement shows
transfers that you did not make, tell us at once. If you do not tell us
within 60 days after the statement was mailed 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 will
extend the time periods for a reasonable period of
time. If you believe your access ID or password has been lost
or stolen or that someone has transferred or may transfer money from your
account without your permission, call or write us at the telephone number or
address listed below. Errors and Questions In Case of Errors or Questions About
your Electronic Transfers or Bill Payments, Call or Write us at the
telephone or address listed below, as soon as you can, if you think your
statement or receipt is wrong or if you need more information about a
transfer or bill payment listed on the statement or receipt. We must
hear form you no later than 60 days after
we sent the FIRST statement on which the problem or error appeared. If you tell us orally, we may
require that you send us your complaint or question in writing within 10
business days. We will determine whether an error
occurred within 10 business days (20 business days if the transfer involved a
new account) after we hear from you and will correct any error promptly. If
we need more time, however, we may take up to 45 days (90 days if the
transfer or bill payment involved a new account, a point-of-sale transaction,
or a foreign-initiated transfer) to investigate your complaint or question.
If we decide to do this, we will credit your account within 10 business days
(20 business days if the transfer involved a new account) for 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. Your account is considered a new
account for the first 30 days after the first deposit is made, unless each of
you already has an established account with us before the account is opened. 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. CITIZENS BANK
& TRUST COMPANY Business Days:
Monday through Friday, 9:00 a.m. to 5:00 p.m. Disclosure Information
to Third Parties of Account We will disclose information to
third parties about your account or the transactions you make:
Authorization to
Obtain Information You agree that we may verify credit
and employment history by any necessary means, including preparation of a
credit report by a credit reporting agency. Termination If you want to terminate your access
to Citizens Online Connection, please call Customer Service. We reserve the
right to terminate Citizens Online Connection, in whole or in part, at any
time with or without cause and without prior written notice. In that event,
or in the event that you give us a termination
notice, we may (but are not obligated) to immediately discontinue making
previously authorized transfers, including recurring transfers and other
transfers that were previously authorized but not yet made. We also reserve
the right to temporarily suspend Citizens Online Connection in situations
deemed appropriate by us, in our sole and absolute discretion, including when
we believe a breach of the system security has occurred or is being
attempted. We may consider repeated incorrect attempts to enter your access
ID or password as an indication of an attempted security breach. Termination
of Citizens Online Connection does not affect your obligations under this
Agreement with respect to occurrences before termination or cooperation after
termination. Limitation of
Liability Except as otherwise provided in this
Agreement or by law, we are not responsible for any loss, injury, or damage,
whether direct, indirect, special or
consequential, caused by Citizens Online Connection or the use thereof or
arising in any way out of the installation, operation, or maintenance of your
PC equipment. Assignment You may not transfer or assign your
rights or duties under this Agreement. Governing Law The laws of the state of Oklahoma
shall govern this Agreement and all transactions hereunder, without giving
effect to any conflict of laws rule or principle that might result in the
application of the laws of another jurisdiction. Customer acknowledges
that he/she has reviewed this Customer Agreement, understands the terms and
conditions set forth herein, and agrees to be bound hereby. Amendments We can change a term or condition of
this Agreement by mailing or delivering to you a written notice at least
thirty (30) days before the effective date of any such change. We do not need
to provide you with any prior notice where an immediate change in the terms
or conditions of this Agreement is necessary to maintain and restore the
security of our system or an account. However, even in these cases, if the
change is to be made permanent, we will provide you with a notice of the
change with the next regularly scheduled periodic statement that we send you,
or within thirty (30) days, unless disclosure would jeopardize the security
of our system or an account. Notices mailed or delivered to you under this
paragraph will be considered effective if mailed to the most recent address
we show for you in either or Checking or Savings Accounts records, or e-mail
address in which you authorized the BANK to send such notices and/or
disclosures. Indemnification Customer, in consideration of being
allowed access to Citizens Online Connection, agrees to indemnify and hold
the BANK harmless for any losses or damages to the BANK resulting from the use of Citizens Online Connection, to the
extent allowed by applicable law. Security Procedures By accessing Citizens Online
Connection, you hereby acknowledge that you will be entering a protected web
site owned by the BANK, which may be used only for authorized purposes. Any
unauthorized use may be a violation of state and or federal law and will be
prosecuted to the fullest extent allowed by law. The BANK may monitor
and audit usage of the System, and all persons are hereby notified that use
of Citizens Online Connection constitutes and are subject to prosecution
under the Computer Fraud and Abuse Act of 1986. Citizens
Bank & Trust Company Ardmore, OK. Member FDIC |
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