THIS ONLINE SERVICES ACCESS AGREEMENT (the "Agreement") contains the terms and conditions governing your use of online electronic services (the "Online Financial Services").

I. INTRODUCTION

You may use the Online Financial Services to access your loans and other products you maintain with us (collectively, the "Eligible Accounts"). You may also use the Online Financial Services to access such products and services as are available from time to time through the Online Financial Services as then disclosed at our company's website (the "Website") including, without limitation, conducting transactions and obtaining balance information, transaction history, and other information concerning your Eligible Accounts through Online Banking or other personal financial software (“Personal Online Banking”), securemail, eStatements and other Internet-accessible services. In some instances your balances and transaction histories might only reflect activity conducted through the close of the previous business day. We may, from time to time, introduce new Online Financial Services. When this happens, we will update our Website to include them. By using an Online Financial Service, you agree to be bound by the terms contained in this Agreement at that time.

II. DEFINITIONS

Unless the context clearly provides a contrary meaning, then in this Agreement the words:

III. ACCEPTANCE AND EFFECTIVENESS OF AGREEMENT

You accept and agree to the terms and conditions of this Agreement, effective when you use or authorize others to use the Online Financial Services to access an Eligible Account.

IV. RELATION TO OTHER AGREEMENTS

Your use of the Online Financial Services may also be governed by other agreements between us concerning your Eligible Accounts. Acceptance of this Agreement does not change or diminish the terms of any other agreements between us concerning the Eligible Accounts unless this Agreement expressly indicates that to be the case. Additionally, each Eligible Account and Online Financial Service will be subject to:

V. ACCESS TO ELIGIBLE ACCOUNTS

You may only access an Eligible Account or use an Online Financial Service if you have a password and multi-factor authentication and the necessary hardware and software. You will generally be able to access your Eligible Accounts seven days a week, twenty-four hours a day, through the Website. From time to time, the Online Financial Services may not be available because of system maintenance or circumstances beyond our control. During such times you may call or visit us about your Eligible Accounts.

VI. MOBILE BANKING TO ACCESS TO ELIGIBLE ACCOUNTS

For Alerts, you agree to provide us with a valid mobile phone number that must be verified for use of the service. Your full account number will not be included in any short message service (SMS), commonly referred to as “texting”, communications from us. You are responsible to manage and make changes to your registered mobile device. By registering a mobile phone number through the enrollment process, you are certifying that you are the account holder for the mobile phone account or have the account holder's permission to register the number.

Message & data rates may apply. Message frequency based on use. You may revoke access to your accounts at any time from Online Banking or by texting “STOP” to 83318 to opt out. Texting “STOP” deactivates all alerts or messages being delivered to that mobile phone number from our short code. For help text "HELP" to 83318. In case of questions, please call customer service at (573) 634-1111.

Supported Carriers:
Alltel AWCC, Associated Carrier Group, AT&T, Boost, Cincinnati Bell, Cricket, Interop, MetroPCS, Rural Carrier Group, T-Mobile, US Cellular, Sprint, Verizon Wireless, and Virgin Mobile.

For information about our privacy and security practices and a link to our U.S. Consumer Privacy Notice, go to our Web site at https://www.onlinecentral.net.

By adding an alert, you consent to delivery of account information in this format. Anyone with access to your mobile device may be able to access the contents of our communications. It is your responsibility to secure your mobile device and to protect your user name and password. We will not bill you for alerts, but your mobile phone carrier may apply standard rates and fees for SMS messages. You agree to indemnify, defend, and hold us harmless from any third party claims, liability, damages or costs arising from your use or from you providing us with a mobile phone number that is not your own. We will not be liable to you for special, indirect, or consequential damages.

VII. ACCESS METHODS

There are two (2) ways to access Personal Online Banking: (1) personal financial software such as Intuit® Quicken ("Personal Financial Software"); or (2) Internet access. You chose either or both methods of access when you enrolled in Personal Online Banking.

If you chose Personal Financial Software, you will be responsible for purchasing a version which supports Personal Online Banking services in order to use or to access your accounts. We will not supply or be responsible for any Personal Financial Software, user’s guides or upgrades.

We have no control over and will not be responsible for the content of any Personal Financial Software, and no part of such content will affect or be considered a part of this Agreement. You acknowledge and agree that your use of Personal Financial Software is solely your decision and you are responsible for any and all resulting liability or issues.

Please note that if you chose both Personal Financial Software and Internet access, you will be able to use them interchangeably. A fee may be associated with the use of Personal Financial Software in accessing your accounts.

VIII. ALERTS

Personal Online Banking provides you with the ability to set and receive electronic alerts to the electronic mail address(es) or mobile phone number(s) you have provided to us and for us to communicate service information to you. You may set alerts to obtain information regarding certain activities that may impact your Eligible Account(s). You agree to provide and to maintain a current electronic mail address and/or mobile phone with us. We agree to use reasonable commercial efforts to provide the alerts to you, but will have no liability or responsibility for your failure to receive such alerts due to: 

IX. SECURITY

You will initially select a password and multi-factor authentication that will give you access to your Eligible Accounts through the Online Financial Service. This password and multi-factor authentication can be changed within the Online Financial Service. We recommend that you change your password and multi-factor authentication regularly. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize the password and multi-factor authentication and do not write it down. You are responsible for keeping your password and multi-factor authentication and Eligible Account information confidential. Contact us immediately if you believe that your password and multi-factor authentication may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account.

X. LIABILITY

Our liability to you is explained in any agreements, notices, and disclosures that we separately provide to you from time to time regarding your Eligible Accounts and Online Financial Services. This section explains our liability to you only to the extent that our liability has not been separately disclosed to you by any of these agreements, notices, or disclosures. Under no circumstances will we have any liability to you for failing to provide you access to your Eligible Accounts or Online Financial Services. Furthermore, unless otherwise required by applicable law, we will only be responsible for performing the Online Financial Services as expressly stated in this Agreement, and will only be liable for material losses incurred by you to the extent such losses directly result from our gross negligence or intentional misconduct in performing the Online Financial Services.

IN NO EVENT WILL WE HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE OR INDIRECT LOSS OR DAMAGE WHETHER OR NOT ANY CLAIM FOR SUCH DAMAGES IS BASED ON TORT OR CONTRACT OR WE KNEW OR SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCES.

We will not be obligated to honor, in whole or in part, any transaction or instruction which:

A. Indemnification

Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your Eligible Account, you as an owner of an Eligible Account agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an Eligible Account or the performance of an Online Financial Service.

B. Third Parties

Except as specifically provided in this Agreement or where applicable law requires a different result, neither we nor our service providers or other agents will be liable for any loss or liability resulting in whole or in part from any act or failure to act of your equipment or software, or that of an Internet browser provider such as Google (Google Chrome), Microsoft (Microsoft Internet Explorer browser) or Mozilla (Firefox browser) or other browsers not named in this Agreement, by an Internet access provider, by an online service provider or by an agent or subcontractor of any of them, nor will we or our service providers or other agents be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of your access to or use of, or failure to obtain access to Online Financial Services.

XVII. GENERAL PROVISIONS

A. Termination

Unless otherwise required by applicable law, we may terminate this Agreement and/or your access to any Online Financial Service, in whole or in part, at any time.

Access to the Online Financial Services, in whole or in part, may be reinstated by us, at our discretion, at any time. If reinstated, the then current terms of this Agreement will control.

If you do not access your Eligible Accounts via the Online Financial Service for any three (3) month period, we may terminate your Service, including the Bill Pay Service.

B. Changes

Except as otherwise required by law, rule, or regulation, we may change the terms of this Agreement from time to time and at any time. When changes are made we will update this Agreement at the Website. The Website will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated at an earlier time. If such a change is made, and it can't be disclosed without jeopardizing the security of the system, this Agreement will be updated within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing using the Online Financial Service. Changes to fees or terms applicable to Eligible Accounts are governed by the agreement otherwise governing the applicable account.

C. Assignment

We may assign our interest in this Agreement to Central Bancompany, Inc. or future direct or indirect subsidiaries of Central Bancompany, Inc. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

D. Notification

UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT WE ARE REQUIRED TO PROVIDE A NOTICE OR OTHER COMMUNICATION TO YOU IN WRITING, THAT NOTICE OR OTHER COMMUNICATION MAY BE SENT TO YOU ELECTRONICALLY TO YOUR INTERNET ADDRESS AS REFLECTED IN OUR THEN CURRENT RECORDS.

XII. FEES

A. The Service

Fees separately disclosed to you in connection with an Eligible Account or online services apply when using the Online Financial Service. Other fees may be assessed and billed separately by your Internet and/or telephone service provider.

B. Miscellaneous Fees And Charges

The fees that have been separately disclosed to you in connection with your Eligible Account(s) will continue to apply to those account(s) and to your Online Financial Services.

XI. ELECTRONIC STATEMENTS AND NOTIFICATIONS

A. Availability

You may choose to receive your monthly loan statements electronically through eStatements rather than paper statements. The eStatements will be made available to you each month at the same time a paper statement would be available. An eStatement notification will be sent to you when notice is available online. eStatements satisfies our obligation to provide you a statement of account as required by Article 4-406 of the Uniform Commercial Code.

B. Paper Statements

If you choose to receive eStatements electronically, you will no longer receive paper statements of account by U.S. mail.

C. Notifications

Registering for an eStatement automatically registers you to receive other notifications electronically. Notifications that you may receive electronically include, but are not limited to: Loan Notices, Privacy Statements, and Notices of Advance. Unless configured otherwise, you will receive these notifications by the same method used to deliver your eStatement.


R. 12/2017