Personal Enrollment Agreement

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Cedar Valley Bank & Trust
Internet Banking Services Agreement

(Please retain the Internet Banking Services Agreement for your records)
CEDAR VALLEY BANK & TRUST INTERNET BANKING SERVICES AGREEMENT Cedar Valley Bank & Trust, La Porte City & Vinton, Iowa

I. INTRODUCTION
This Internet Banking Services Agreement (“Internet Banking Agreement”) explains the terms and conditions governing the Internet Banking Services (“CEDAR VALLEY BANK & TRUST INETNET BANKING”) offered through Cedar Valley Bank & Trust. You should read this Internet Banking Agreement and the related information provided by the Bank prior to using CEDAR VALLEY BANK & TRUST Internet Banking. By using the CEDAR VALLEY BANK & TRUST Internet Banking Services you agree to abide by the terms and conditions of this Interne Banking Agreement. The terms “we,” “us,” “our,” and “Bank” refer to Cedar Valley Bank & Trust. The words “you”, “your”, and “yours” mean each deposit account owner, authorized deposit account signer, and anyone authorized to act on behalf of a deposit account owner. You agree that the Bank may provide any notices required by law or by this Agreement in electronic form.

II. ACCESSING YOUR BANK ACCOUNTS THROUGH CEDAR VALLEY BANK & TRUST INTERNET BANKING
You can access your Cedar Valley Bank & Trust accounts through CEDAR VALLEY BANK & TRUST InternetBanking. Each of your accounts at Cedar Valley Bank & Trust is also governed by your “Understanding Your Deposit Account Disclosure”, and the Funds Availability Act Disclosure, Electronic Funds Transfer Act Disclosure and related terms & conditions contained within.
A. REQUIREMENTS
To access your personal and/or business accounts through CEDAR VALLEY BANK & TRUST Internet Banking, you must have an eligible Bank account (listed below), a User ID, and an online banking password. Cedar Valley Bank & Trust accounts accessible through Internet Banking include:
*Economy Checking *Regular Checking *NOW Checking *Cedar Valley Club Checking *Cedar Valley Plus Checking *Regular Savings Accounts* Junior Savings Account *Valley Christmas Savings *Valley Market Savings *Money Market Savings *IRA'S *Certificate of Deposits *Business and Consumer Loans *Business and Consumer Lines of Credit *Mortgage Loans


B. FEES
There are no monthly fees for accessing your account(s) through CEDARVALLEY BANK & TRUST Internet Banking Certain fees may apply to services ordered online.
PLEASE NOTE THAT FEES FOR INTERNET ACCESS WILL BE ASSESSED AND BILLED SEPARATELY BY YOUR INTERNET SERVICE PROVIDER.

C. ELECTRONIC MAIL (E-MAIL)
Sending E-mail through CEDAR VALLEY BANK & TRUST Internet Banking is a way to communicate with the bank. CEDAR VALLEY BANK & TRUST Internet Banking has provided E-mail capabilities for you to ask questions about your account(s) or to provide us comments on your banking service. This E-mail capability is accessible after you sign on with your password to a secure session with CEDAR VALLEY BANK & TRUST Internet Banking. Despite our best efforts, messages sent by E-mail may not be secure, may be intercepted by third parties and may not be immediately received by the appropriate department of Cedar Valley Bank & Trust. Please do not use E-mail to send us communications which contain confidential information, which we require in writing or which need our immediate attention. An Internet record that an E-mail has been “sent” or “received” is not verification that the E-mail has been received by Cedar Valley Bank & Trust. You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within CEDAR VALLEY BANK & TRUST Internet Banking or call a Cedar Valley Bank & Trust customer service representative at(319)342-2850.

D. NEW SERVICES
Cedar Valley Bank & Trust may, from time to time, introduce new CEDAR VALLEY BANK & TRUST Internet Banking services. We shall update this Internet Banking Services Agreement to notify you of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

III. TERMS AND CONDITIONS
The first time you, or someone authorized by you on your behalf, access your Bank accounts through CEDAR VALLEY BANK & TRUST Internet Banking the system confirms your agreement to be bound by all the terms and conditions of this Internet Banking Agreement and acknowledges your receipt and understanding of this disclosure.

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