CITYNET CONSUMER ONLINE BANKING AGREEMENT


This CityNET Consumer Online Banking Agreement (“CityNET Agreement”) sets forth the terms and conditions of the personal banking online service that City National Bank & Trust Company of Lawton, Oklahoma makes available to its customers, including but not limited to online internet banking, mobile and text banking, Bill Pay services, and E-Statements (“Service” or “CityNET”).


The terms and conditions of this CityNET Agreement are in addition to all other agreements, documents and disclosures that relate to your accounts at City National Bank, including but not limited to the Consumer Deposit Account Agreement and Disclosure (“Disclosure Booklet”), and the other agreements referred to in the Disclosure Booklet, including the Consumer Deposit Accounts Brochure and the account opening documents for your account, and including any subsequent amendments and updates, all of which make up the contract between you and City National Bank that governs your account. In the event there is a conflict between the terms of (A) this CityNET Consumer Online Banking Agreement and (B) the Consumer Deposit Account Agreement and Disclosure booklet, the terms of the Disclosure Booklet shall control. By applying for CityNET, accessing your account, and engaging in Online Financial Services you agree to be bound by the terms of the most recent version of this CityNET Agreement. You may withdraw your consent at any time by contacting us and discontinuing your use of CityNET. Your continued use of CityNET will be additional evidence of your agreement to these terms.


The most recent version of this CityNET Agreement is available to you at: https://www.CNB1901.com/


You may also receive a copy of the CityNET Agreement by calling customer service during our business hours at 866-385-3444, writing us at PO Box 2009, Lawton OK 73502-2009, or visiting any CNB branch.


Our customer service business hours are: Monday through Friday, 8:00 AM to 6:00 PM, and Saturday, 9:00 AM to 4:00 PM, excluding federal holidays.


This CityNET Agreement is revised periodically and it may include changes from earlier versions. This CityNET Agreement must be reviewed in conjunction with the Consumer Deposit Account Agreement and Disclosure booklet, the consumer deposit accounts brochure and all of your account opening documents for a complete DISCUSSION of all of the terms and conditions applicable to this CityNET Agreement, your account and your use of CityNET online financial services.


Terms and Definitions


Please carefully read this CityNET Consumer Online Banking Agreement, Consumer Deposit Accounts Brochure, and the account opening documents for your account, because these documents tell you your rights and obligations for your account and other products and services. You should keep these documents, including any subsequent amendments and updates, for future reference regarding your account and other products and services.


Getting Started With CityNET

Eligibility

To be eligible to use City National Bank’s CityNET Online Financial Services, you must be a City National Bank customer with at least one open and active consumer deposit account. You must also establish and maintain valid log-in credentials, including a personal ID and password, and maintain a valid email address. Use of certain services may have additional requirements, as described in this CityNET Agreement.


If you close all of your CNB accounts, you must notify CNB to cancel your CityNET Online Financial Services. Your CityNET Online Financial Services may be canceled by CNB at any time without prior notice. If you wish to cancel any of your Online Financial Services offered through CityNET, please notify us of the cancellation through secure messaging within CityNET, by telephone, visit your local CNB location, or by postal mail.


Enrollment

Enrollment in the CityNET online banking service is simple, fast and convenient. First, you need to open an account with City National Bank. Then, you can enroll in CityNET online banking by simply visiting our website at https://www.CNB1901.com. By clicking on the “Enroll Now” link you will be taken to a secure form to complete and submit. You will be asked to select a unique login name and several questions to verify your identity. For your security, you must be able to provide accurate information to enroll online. You are also welcome to visit your local branch to apply in-person. Once you have successfully enrolled, you will have access to your

account history and balances. Additional features may not be available until the next business day. Enrollments completed after 5:00 PM, Monday through Friday, or Saturday, Sunday or federal holiday will be processed on the next business day.


Joint Accounts - Please note that each joint account holder must apply individually for separate access to CityNET banking services for security purposes. See the Joint Account section in the Disclosure Booklet for additional information on joint accounts.


Mobile Banking - To utilize the Mobile Banking Service you must be enrolled in CityNET online banking, which you can now do through your mobile app. You may enroll after downloading our mobile app from either the Apple App Store or Google Play Store. To enroll in text banking, click on the “Text Enrollment” listed under the “Settings” tab within CityNET online banking or the mobile app and you will be provided with additional instructions.


Business Accounts - The CityNET Online Financial Services covered by this CityNET Agreement apply to consumer accounts only. A separate service is offered for your business banking needs. Businesses should call or visit CNB for current information regarding CityNET business online banking.


Hardware and Software Requirements

In order to receive the email notification that your statement is ready, you will need access to a computer that allows you to receive email and an account with an email service provider compatible with your email software. You will need to check any email filtering software that you may be using to ensure that it does not screen out email notifications from CNB. You are responsible for the use and protection of your password, account numbers, and email address information. You are also responsible for contacting us with any changes to the email address you have provided. A valid email address is required to receive eStatements and eNotices.


To access and retain documents electronically, you must have on your computer and/or maintain the following. Enrollment in CNB’s CityNET online banking (Consumer or Business).

The computer you use must meet the following minimum requirements:


PRIVACY POLICY AND NOTICE

City National Bank & Trust is required by law to disclose our privacy practices to our customers annually. We reserve the right to modify them as needed, along with related provisions, at any time. You may view our privacy policy at http://www.CNB1901.com. A copy of our privacy policy is also available through CityNET. Or, you may call customer service during our business hours at 866-385-3444, write to us at PO Box 2009, Lawton, OK 73502-2009, or visit any CNB branch. Our customer service business hours are: Monday through Friday, 8:00 AM to 6:00 PM, and Saturday, 9:00 AM to 4:00 pm, excluding federal holidays.


General Terms For Using CityNET

Multiple Access Devices

Your acceptance of this CityNET Agreement on one Access Device constitutes your acceptance on all Access Devices you use. For example, if you view and accept this agreement on a traditional computer through an internet connection, the terms of this CityNET Agreement will apply to Online Financial Services accessed on a Mobile Device (or vice versa).


By viewing and accepting this CityNET Agreement on any Access Device, you are reasonably demonstrating your ability to access Online Financial Services and view electronic documents in the format that the services are provided on that Access Device and all subsequent Access Devices. If you change Access Devices (or use multiple Access Devices), it is your responsibility to ensure the new Access Device meets the applicable system requirements and that you are still able to access CityNET and view electronic documents.


If you have questions or difficulties accessing CityNET or viewing electronic documents on your Access Devices, please contact CNB customer service during our business hours at 866-385-3444.


Changes to Terms, Charges, or Fees

Except as may be otherwise specifically set forth in this CityNET Agreement or as may be required by law, the Bank may change this CityNET Agreement, including adding to, deleting from or changing the terms of the agreement from time to time, without notice to you. CNB reserves the right to change the charges and fees described in this CityNET Consumer Online Banking Agreement, the Disclosures Booklet and your other account documents. When changes are made to any fees, charges or other material terms, we will update this Online Banking Agreement and either send a notice to you at the address shown on our records or send you an email through CityNET secure messaging. 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. 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 agreements, documents and disclosures that relate to your account and the Consumer Deposit Account Agreement and Disclosure Booklet.


Changes in Online Financial Services

There may be additional online services that are not specifically described in this CityNET Agreement and CNB reserves the right to add, modify or eliminate online, mobile and text services as it deems necessary, from time to time, without notice to you, except as may be required by law. Any added CityNET online financial services, including internet banking, mobile banking and text banking services will be governed by the terms and conditions of this CityNET Agreement, the other agreements, documents and disclosures related to your accounts, including but not limited to the Consumer Deposit Account Agreement and Disclosure Booklet, and by any additional terms and conditions provided to you at the time the new CityNET online financial services feature is added or at the time of enrollment for the applicable feature or service.


Limitations on Frequency of Withdrawals and Transfers

Federal Regulations require financial institutions to limit the way certain withdrawals and transfers may be made from a savings or money market account to another account, or to third parties, by pre-authorized, automatic, telephone or electronic means, to a combined total of six per month or statement cycle. Each transfer from a savings or money market account using CityNET, including internet, mobile or text banking services, is counted as one limited transaction permitted each statement cycle. See the Withdrawals section of the Disclosures Booklet for additional information on transfer and withdrawal restrictions.


Service Changes, Cancellations and Terminations

You may cancel Bill pay at any time by contacting a CNB customer service Representative. If, for any reason, you should ever wish to cancel CityNET or cancel Bill Pay, you must cancel all future bill payments prior to cancelling or changing your service by deleting any scheduled payments. This will ensure that any future payments and transfers made by you will not be duplicated. We will continue to maintain your accounts until you notify us otherwise. CNB reserves the right to terminate your use of Bill Pay at any time.


If you close all your account(s), you must notify CNB to cancel your CityNET Online Financial Services. If you wish to cancel any of your Online Financial Services offered through CityNET, please send us cancellation instructions in writing by postal mail to PO Box 2009, Lawton OK 73502-2009 or by secure messaging, or by visiting any CNB branch. Your CityNET Online Financial Services may be canceled by CNB at any time without prior notice. The Bank, in its sole discretion, may also close your account(s) at any time upon reasonable notice to you and the tender of the account balance personally or by mail. For joint accounts, notice from the Bank to any one of the joint owners will be considered notice all of the joint owners.


CityNET Featured Services

CityNET online banking is an internet-based system that allows you to have constant access to your account. You can view account activity and account statements, change login I.D. and password, make transfers between your accounts and with other CNB accounts, schedule payments to be sent automatically from your account through Bill Pay, re-order your checks, process stop payments, and much more. CityNET also offers you the ability to send and receive secure messages to and from City National Bank, name and organize your accounts, view outside and internal accounts all in one place, and create budgets and view spending and cashflow information you have uploaded. In addition to online internet access, CityNET also includes mobile banking and text banking services.


To get additional information on the CityNET Online Financial Services offered by the Bank, you can visit us at https://www.CNB1901.com, or call us during our business hours at 866-385-3444, write to us at PO Box 2009, Lawton OK 73502-2009, or visit any CNB branch. Our customer service business hours are: Monday through Friday, 8:00 AM to 6:00 PM, and Saturday, 9:00 AM to 4:00 pm, excluding federal holidays.


CITYNET BILL PAY SERVICE

Using the Bill Pay Service

To gain access to Bill Pay, you will sign on to CityNET using your password. Once you have successfully scheduled a payment on the Bill Pay system, a confirmation number will be provided. By using CityNET Bill Pay, you agree that, based upon instructions received under your Password, we will process and debit the account that you selected through the bill payment section of online banking. All bill payments debited from your account will appear on your monthly statement.


Overdraft Protection and Non-Sufficient Funds

When you transmit a transfer or payment request to us, you authorize us to charge your account for the amount indicated. If your account has non-sufficient funds to make your indicated Bill Pay(s), it will be paid or returned at the Bank’s discretion. Each overdraft paid or returned will be subject to a fee ($25), not to exceed five overdraft fees per day ($125), and will be deducted from any available Overdraft Protection limit. Any overdraft items in excess of your limit may be paid or returned at the Bank’s discretion and assessed a fee. Even if Overdraft Protection is available, this does not guarantee all items that overdraw the account will be paid.


For more information about overdrafts or returned items and the associated fees, or for further information about CNB’s account management options, visit your nearest City National Bank branch or contact the Overdraft Protection Department by phone at 866-385-3444 or by mail at City National Bank, Attention: Overdraft Protection Department, PO Box 2009, Lawton OK 73502-2009. Additional information about overdrafts and non-sufficient funds is also available in the Disclosure Booklet in the section titled Overdraft Protection & Non-Sufficient Funds.


CityNET Bill Payment Payees and Scheduled Payments

When adding a payee to your payee list, you will enter the information as indicated on your bill from the payee. That information will determine if the payment will be sent electronically or as a check. If the payee is paid electronically, you understand and agree that the payee may not receive the payment until 3 to 5 business days after the date the payment is scheduled to be processed. Payees that are not electronically available will be paid by paper check delivered to the designated payee by the U.S. Postal Service. You understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 5 to 7 business days after your scheduled send date. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party such as the failure of the bill payment payee to properly post a payment to your account. Payments that are scheduled for non-business days, including holidays, will not be sent until the following business day.


Modifying or Cancellation of a Bill Payment

To modify or cancel a bill payment that you have scheduled and is pending, you must modify or cancel the payment using the bill payment system following the onscreen instructions before 3:00 PM (Central Time) on the date the payment is scheduled for process. Payments cannot be cancelled after that time.


Bill Payment Stop Payment Requests

Payments that have been made electronically cannot be cancelled or stopped after the payment has processed. You may be able to stop a bill payment that was paid by check by contacting us by telephone before the check has cleared. You must contact us by telephone to determine if the check has cleared. If the check has not

cleared, we will process your stop payment request. To be effective, the stop payment request must precisely identify the name of the payee and the amount of the

check. CNB reserves the right to impose a “stop payment” fee pursuant to our current fee schedule.


Bill Pay Fees

For the fees applicable to your Bill Pay service, refer to the section titled Fees and Charges.


Bank not Responsible or Liable

We shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through which any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are non-sufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special or consequential damages arising out of the use of Bill Pay.


Mobile and Text Banking

General

City National Bank strives to provide the highest quality mobile banking and text banking services available. By accessing the Mobile Banking Service, including mobile banking and text banking, you agree to all of the terms and conditions contained in this CityNET Online Banking Agreement, the Disclosures Booklet and all agreements referenced in the Disclosures Booklet including your account opening documents.


Mobile banking and text banking services are offered as a convenience and supplemental service to our online internet banking services. They are not intended to replace access to internet banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking Service allows you to access your CNB account information, use bill pay, and conduct other limited banking transactions with the Bank. You may use the Mobile Banking Services to transfer funds between your eligible CNB accounts (internal transfer), subject to certain limitations for savings and money market accounts discussed in the Limitations on Frequency of Withdrawals and Transfers section set out above.


To utilize the Mobile Banking Services, you must be enrolled in CityNET online banking. Some Mobile Banking Services, such as text banking, require you to register your Mobile Device from a desktop computer.


The Bank will use reasonable efforts to make the Mobile Banking Services available for your use on a continuous basis. Mobile Banking Services may be unavailable for short periods of time for maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours. In addition, accessibility to mobile banking service may be interrupted because of conditions beyond our control, including outages in internet availability. CNB will use diligent efforts to re-establish the Mobile Banking Service as promptly as possible.


Text Banking

By registering for text banking services and entering your phone number you acknowledge that you agree to the terms of service for text banking services. CNB text banking works with numerous wireless service providers including Alltel, AT&T, Boost Mobile, Cincinnati Bell, Sprint PCS, T-Mobile, U.S. Cellular, Virgin Mobile USA, and Verizon Wireless. However, CNB text banking is not compatible with all handsets. When registering for text banking services you must confirm that you hold the account corresponding to the mobile phone number you have entered, or that you have the account holder's permission to use this service.

You may choose to receive banking account alerts via text, and will receive one message per query. If you need help with the text banking service, you can reach CNB’s text support by texting “HELP” to CNB text banking at 226563, or you can obtain text banking support by visiting https://www.CNB1901.com/html/services/services- sms-banking.html or you can CNB customer service during normal business hours at 866.385.3444 . If you wish to cancel text banking you may do so at any time by texting “STOP” to CNB text banking at 226563. You will be subscribed to the text banking services until such time as you send “STOP” to CNB text banking or such text services are otherwise terminated or cancelled under the terms and conditions set forth in this CityNET Agreement, the Disclosure Booklet or your other account documents.


Your wireless carrier may assess you additional fees for data or text messaging services, and/or additional charges may apply for internet usage depending on your wireless carrier. Please consult your wireless provider/carrier for details on correlated rates and charges.


Mobile Banking Restrictions

We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through mobile and text banking. Additionally, we reserve the right to modify the scope of the mobile banking and text banking services at any time. Mobile banking and/or text banking may not be accessible over some network carriers. In addition, the Mobile Banking Services may not be supportable for all Mobile Devices. CNB does not guarantee nor is it responsible for the availability of data services provided by your mobile carrier such as data outages or “out of range” issues.


Other Online Services

Obtaining Account Balance and Transaction History

You can obtain balance and transaction history on all of your accounts that are enrolled in CityNET online banking. Please note that when transactions are pending on your account, your account’s available balance reflects these items, i.e. your available balance is the balance available to you at this moment. The available balance does not include any transactions that the Bank has not received. The current balance and transaction history reflects activity through the close of the previous business day.


Email Notifications and E-Statements

You have the right to receive a paper statement for any account that you have with CNB, but you may also agree to receive E-Statements to replace all of your future paper account statements. If you agree and select E-Statements, you will also be agreeing to electronic delivery of certain disclosures, account-related notices and other regulatory information that you would normally receive in paper form.


With E-Statements, we will send you an email notification, at the email address you provide, each time your new statement is ready for viewing. The email notification will contain a link for you to access CityNET online banking. After you log on, you will find your E-Statement by clicking the Statements link under the “Transactions” tab. Click on Statements and select the account you wish to view. At the time you agree, we will begin to maintain your account statements electronically beginning with your next account statement. The system will then maintain 18 months of statements for your access.


You are responsible for accessing and reading your E-Statements and/or other notices, disclosures or information provided to you in electronic format. CNB will not be liable to you or any other person for any loss or damage that may arise from your failure to access and review E-Statements. By enrolling any account in E-Statements, you agree that the notice of availability constitutes delivery of such E-Statements for all purposes on the date of the notice. The statute of limitations regarding claims related to any items disclosed in a particular E-Statement begins on the date that CNB provides you notice that an E-Statement is available. Any failure to actually access, view, print and/or save an online E-Statement will not impact the statute of limitations.

For additional information about the availability and requirements for eStatements, please see the CNB eStatement Disclosure agreement. Transferring Funds

Upon enrollment in CityNET, you will have the option to transfer funds between your accounts. You will also have the option to transfer funds via online banking to

another CNB accountholder. But, to be eligible to receive the transferred funds, the recipient must also be an enrolled and active CityNET user, and this service will only

support deposits made to another CNB customer’s account and will not allow withdrawals.


Transfers can be made for aggregate amounts up to $10,000. The number of transfers from specific types of accounts may also be subject to some limitations. For additional information on applicable limitations see the Limitations on Frequency of Withdrawals and Transfers section above, the Withdrawals section of the Disclosures Booklet and the current Consumer Deposit Accounts Brochure. 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.


You agree that you will only make transfers when a sufficient balance is or will be available in your account. If your account becomes overdrawn because one or more other transactions posted on the same day a transfer is made, we reserve the right to impose a fee, for each overdraft item paid or returned, which is currently $25 per item. For additional information, please see the Overdraft Protection and Non-Sufficient Funds section of the Disclosure Booklet and our current Consumer Deposit Accounts Brochure.


A transfer initiated through CityNET before 11:45 PM (Central Time) on a business day is posted to your account the same day. All transfers completed after 11:45 PM (Central Time) on a business day or on a Saturday, Sunday or federal holiday may be posted on the next business day. Our business days are Monday through Friday, excluding federal holidays. For additional information on transaction posting order please see the Processing Transactions section in the Disclosures Booklet.


Wire Transfer Requests

The online wire request form through CityNET is a secure and convenient way to send wire transfers from your bank account(s) to an account at another financial institution. Submitting the online wire request form is not a guarantee that the wire will be processed. All wire requests are still subject to review and approval prior to being processed. Prior to sending any wire requested through CityNET, a bank representative will call you at the phone number we have on file to validate the authenticity of the request. If for any reason your online wire request is declined, you will be contacted via a phone call and/or secure message notifying you of the decision. Wire requests must be received by 3:00 PM on a business day (Central Time) to be sent same-day. All wire requests submitted after 3:00 PM CST and on a Saturday, Sunday or federal holiday will be processed on the following business day.


In the event that there are non-sufficient funds to cover the wire transfer, it will be sent or rejected at the bank’s discretion.


By submitting a wire request you are authorizing CNB to charge the sending account a non-fundable fee. The receiving bank may also charge a fee. For additional

information about the Bank’s wire transfer fee, please see the current Consumer Deposit Accounts Brochure.


Additional Terms and Conditions

This Agreement

The terms and conditions of this CityNET Agreement are in addition to all other agreements, documents and disclosures that relate to your accounts at City National Bank, including but not limited to the Consumer Deposit Account Agreement and Disclosure (“Disclosure Booklet”), and the other agreements referred to in the Disclosure Booklet, including the Consumer Deposit Accounts Brochure and the account opening documents for your account, and including any subsequent amendments and updates, all of which make up the contract between you and City National Bank and Trust Company of Lawton, Oklahoma that governs your account. In the event there is a conflict between the terms of (A) the CityNET Consumer Online Banking Agreement and (B) the Consumer Deposit Accounts Disclosures and Agreement Booklet, the terms of the Disclosure Booklet shall control.


Intellectual Property Rights

All content connected with CityNET Online Financial Services, i.e. our websites and mobile applications, are the exclusive property of City National Bank, its licensors, and/or service providers and it is protected by copyrights and other intellectual property rights. You are permitted to use content delivered to you through the Online Financial Services only for your personal use. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any technology, including but not limited to any software or other content associated with CityNET Online Financial Services.


The trademarks, logos, and service marks displayed in connection with CityNET Online Financial Services are the registered and unregistered trademarks of CNB and/or its service providers. Under no circumstance may you use, copy, imitate, alter, modify or change these trademarks. Nothing contained on, in or otherwise connected

with any CityNET Online Service should be construed as granting (by implication or otherwise) any license or right to use any trademark without the express written permission of City National Bank or the third party which as the rights to such trademark, as appropriate.


Limitation of Liability

Except as specifically provided in this CityNET Agreement or where the law requires a different standard, you agree that in no event will the Bank, it affiliates, contractors, or their respective officers, directors, employees, consultants, or agents, or other service providers or licensors be liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect incidental, special, consequential or exemplary damages, including but not limited to damages for use, data or other intangible losses, whether caused by or resulting from the equipment, software, the Bank, or by internet browser providers such as 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 the Bank 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, internet browser or access software.


Indemnification

UNLESS CAUSED BY OUR INTENTIONAL MISCONDUCT OR GROSS NEGLIGENCE, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS CNB, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONSULTANTS, AGENTS, SERVICE PROVIDERS AND LICENSORS FROM ANY AND ALL CLAIMS, LIABILITY, DAMAGES, EXPENSE AND COSTS CAUSED OR ARISING FROM (1) A CLAIM, DISPUTE, ACTION OR ALLEGATION OF INFRINGEMENT, MISUSE OR MISAPPROPRIATION BASED ON INFORMATION, DATA, FILES OR OTHERWISE IN CONNECTION WITH THE ONLINE FINANCIAL SERVICES INCLUDING INTERNET, MOBILE OR TEXT BANKING; (2) YOUR VIOLATIONS OF ANY LAW OR RIGHTS OF A THIRD PARTY; OR (3) YOUR USE OR USE BY A THIRD PARTY OF ONLINE FINANCIAL SERVICES INCLUDING INTERNET, MOBILE AND TEXT BANKING SERVICES.


Other Agreements

In addition to this CityNET Consumer Online Banking Agreement, you agree to be bound by and will comply with 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, as well as the requirements of the other agreements, documents and disclosures that relate to your accounts at City National Bank, including but not limited to the Consumer Deposit Account Agreement and Disclosure (“Disclosure Booklet”), and the other agreements referred to in the Disclosure Booklet, including the Consumer Deposit Accounts Brochure and the account opening documents for your account, and including any subsequent amendments and updates, all of which make up the contract between you and City National Bank that governs your account. In the event there is a conflict between the terms of (A) this CityNET Consumer Online Banking Agreement and (B) the Consumer Deposit Account Agreement and Disclosure booklet, the terms of the Disclosure Booklet shall control.

Bank’s Right to Terminate this Agreement- The Bank reserves the right to terminate this CityNET Agreement and your access to Online Financial Services through CityNET, in whole or in part, at any time.


Assignment and Waiver

This CityNET Agreement is made for the exclusive benefit of you and City National Bank. No third party has any rights under this agreement. The Bank may assign our rights and delegate our duties under this CityNET Agreement to a company affiliated with us, or to a third party including independent contractors. You may not assign any right or delegate any obligation under this CityNET Agreement without our prior written consent.

Governing Law and Compliance -Your accounts and this CityNET Agreement will be governed by federal laws and regulations applicable to national associations like City National Bank, and, to the extent local law applies, construed in accordance with the laws of the state of Oklahoma, without reference to Oklahoma’s conflict of law provisions. If Oklahoma law and federal law are inconsistent, federal law governs.


Security Interest and Right of Set-Off- You grant us a security interest in your Bank accounts to secure the repayment of any overdraft, debt or other obligation that you have with the Bank, whether direct or indirect, and/or any fees or service charges owed to the Bank. We may (without prior notice and when permitted by law) set-off the funds in your Bank account(s) against any due and payable debt you owe us now or in the future, by any of you having the right of withdrawal, to the extent of such person’s or legal entity’s right to withdraw. See the Security Interest and Right of Set-Off in your Disclosure Booklet for additional information.


Other Terms