Community Bank of Oklahoma

Online Banking
Access Agreement

I. Introduction

II. Accessing Your Community Bank of Oklahoma Accounts through online banking
A. Requirements
B. Electronic Mail (E-mail)

C. Fees
D. New Services
E. Benefits of Using Online Banking

III. Terms and Conditions
A. Your Online Password
B. Our Liability
C. Overdrafts: Order of Payments, Transfers, Other Withdrawals
D. Hours of Accessibility
E. Additional Terms and Conditions

IV. Online Banking Payment Services
A. Using the Service

V. General Terms
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on Online Banking Transactions
D. Other General Terms

VI. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your Community Bank of Oklahoma Accounts

I. Introduction

This Online Access Agreement ("Access Agreement") for accessing your Community Bank of Oklahoma accounts through Online banking explains the terms and conditions governing the Online banking services. By using the Online Banking Services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of Oklahoma. The terms "we," "us," "our," "CBOK," and "Bank" refer to Community Bank of Oklahoma. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

Online Banking can be used to access Community Bank of Oklahoma accounts. Each of your accounts at Community Bank of Oklahoma is also governed by the applicable account disclosure statement ("Deposit Agreement and Disclosure").

II. Accessing Your Community Bank of Oklahoma Accounts through Online Banking

A. Requirements

To access your accounts through Online Banking, you must have a Community Bank of Oklahoma account and an Online password. .

B. Electronic Mail (E-mail)

Sending electronic mail (E-mail) through Online Banking is a way to communicate with the Bank. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of Online Banking. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within Online Banking or call 405-453-7101, 405-392-3600, or 405-224-8737

C. Fees

There are no monthly or transaction fees for accessing your account(s) through Online Banking. Please note that fees may be assessed by your Online service provider.

D. New Services

Community Bank of Oklahoma may, from time to time, introduce new Online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

E. Benefits of Using Online Banking

With Online Banking, you can manage your personal or small business accounts from your home or office on your personal computer. You can use Online Banking to:

• View account balances and review transaction history.

• Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).

• Communicate directly with Community Bank of Oklahoma through E-mail.

III. Terms and Conditions

The first time you access your Community Bank of Oklahoma accounts through Online Banking you agree to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure.

A.Your Online Password

You will be given an Online Password that will give you access to your Community Bank of Oklahoma accounts for Online Banking access. After you have entered this password it will automatically prompt you to change your password. Your password can also be changed within Online Banking using the Other Tab. We recommend that you change your password regularly. Community Bank of Oklahoma will act on instructions received under your password. For security purposes, it is recommended that you memorize this Online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential.

C. Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Community Bank of Oklahoma, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser) , OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or access software.

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals

If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, E-Bank transfers that you have requested for a given business day), then:

• Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and

• The electronic funds transfers initiated through Online Banking may result in an overdraft of your account and may, at Community Bank of Oklahoma's discretion, be canceled.

In addition, you will be charged the same overdraft charges that apply to your account.

E. Hours of Accessibility

You can access your Community Bank of Oklahoma accounts through Online Banking seven days a week, 24 hours a day. However, at certain times, some or all of Online Banking may not be available due to system maintenance. You will be notified online when this occurs.

A transfer initiated through Online Banking before 2:30pm Central Time on a business day is posted to your account the same day. All transfers completed after 2:30pm Central Time on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.

Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.

F. Additional Terms and Conditions

Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as of the close of the previous business day.

Transferring Funds - The number of transfers from a savings account is limited as described in the applicable Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

V. General Terms

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

B. Disclosure of Account Information

You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. In addition, the Bank routinely informs Chex Systems when accounts are closed by the Bank because they were not handled properly. The Bank may also seek information about you from others, such as a credit bureau and/or chex systems, in connection with the opening or maintaining of your account. You hereby authorize these transfers of information.

C. Questions or Error Correction on Online Banking Transactions

In case of questions or errors about E-Bank funds transfers through E-Bank involving your account, here is what you should do:

• Contact Community Bank of Oklahoma by electronic mail (E-mail)

• Telephone Community Bank of Oklahoma at 405-453-7101, 405-392-3600 , or 405-224-8737

• Write Community Bank of Oklahoma PO Box 159 Verden, OK 73092, PO Box 1433, Newcastle OK 73065, or 1227 W. Grand Chickasha, Ok 73092 as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record

• We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we require that you send us your complaint or question in writing within ten (1O) business days.

• Tell us your name and account number

• Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information and provide an approximate time when the transaction took place.

• Tell us the dollar amount of the suspected error.

• Here's what we will do:

We will tell you the results of our investigation within ten (10) business days, after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days in the case of new accounts, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, 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 ten (10) business days, we may not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.

If we do not complete a transfer to or from your Community Bank of Oklahoma account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make a transfer.

• If a legal order directs us to prohibit withdrawals from the account.

• If your account is closed or if it has been frozen.

• If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.

• If you, or anyone you allow, commits any fraud or violates any law or regulation.

• If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.

• If you have not properly followed the instructions for using Online Banking.

• If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.

Other agreements for all deposit transactions are set out in the deposit agreement.

D. Other General Terms

Other Agreements - In addition to this Agreement you hereby agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable State and Federal laws and regulations. We agree to be bound by them, also. Community Bank of Oklahoma Reserves the Right to terminate this Agreement - The Bank reserves the right to terminate this Agreement and your access to Online Banking, in whole or in part, at any time without prior notice.

VI. Protecting Your Account

A. Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Community Bank of Oklahoma at 405-453-7101, 405-392-3600, or 405-224-8737

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password - The password that is used to gain access to Online Banking should also be kept confidential. For your protection we recommend that you change your Online password regularly. It is recommended that you memorize this Online password and not write it down.

You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, please contact Community Bank of Oklahoma at once at 405-453-7101, 405-392-3600, or 405-224-8737 .

B. Unauthorized Transactions in Your Community Bank of Oklahoma Accounts

Notify us immediately if you believe another person has improperly obtained your Online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Community Bank of Oklahoma at 405-453-7101, 405-392-3600, or 405-224-8737 or write Community Bank of Oklahoma, PO Box 159 Verden, Ok 73092, PO Box 1433, Newcastle, OK 73065, or 1227 W. Grand Chickasha, Ok 73018.

If your Online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a Community Bank of Oklahoma deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.

Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the first paper statement which contained the transaction(s) in question was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.