Cornerstone Community Bank is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using that password. You should not, under any circumstances disclose your password. Bank employees do not need and should not ask for your password.

If you suspect that an unauthorized person has access to your password or believe your password has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred funds without your permission, you must notify Cornerstone Community Bank immediately. Call a Cornerstone Community Bank Customer Service Representative at (727) 526-5678 and tell them about your security concern. Customer Service Representatives are available Monday through Friday 8:30 a.m. until 5:00 p.m. excluding Saturday, Sunday and Federal Bank Holidays.

You may use your personal computer to:

• View account balances and transaction history
• Transfer funds between your Cornerstone Community Bank accounts which belong to you
• Establish automatic transfers between your Cornerstone Community Bank accounts.
• Pay bills to any merchant, institution or individual with a U.S. mailing address
• Communicate directly with Cornerstone Community Bank via E-mail.

Cornerstone Community Bank reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and /or pending transfers. To reinstate your service, contact a Cornerstone Community Bank Customer Service Representative at one of our locations.

Balance Information - You may access any eligible Cornerstone Community Bank Account on which you are an owner and signer to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. In progress returns due to non-sufficient funds or stop payments may not be reflected in the inquiry.

Account Information - Account balances and activity is current information. Funds transferred between related accounts initiated on your computer using Online Banking and received by the bank before 4:30 p.m. EST Monday through Friday will be effective on the current business day. Transfers processed on your computer using Online Banking and received after 4:30 p.m. EST Monday through Friday or all day Saturday, Sunday and banking holidays will be effective the following business day.

• Transaction Sessions - You will be automatically disconnected from this service after 15 minutes of inactivity.

If you do not access your accounts via Cornerstone Community Bank's Online Banking Service for any consecutive three (3) month period, Cornerstone Community Bank reserves the right to disconnect your service. (See paragraph above for reinstatement of service information.)

If you do not schedule or process a payment with your Cornerstone Community Bank Bill Payment system within a three (3) month period, Cornerstone Community Bank reserves the right to discontinue your Bill Payment Service.

You agree to be responsible for any local or long distance telephone charges or Internet Service Provider (ISP) charges that you incur by accessing your accounts via Cornerstone Community Bank's Online Banking Service.

If you wish to cancel any of your Cornerstone Community Bank Online Banking Services, please contact a Cornerstone Community Bank Customer Service Representative at one of our locations or send us cancellation instructions in writing to Cornerstone Community Bank, PO Box 55699, St. Petersburg, FL 33732.

Hours of Accessibility
You may access Cornerstone Community Bank's Online Banking Service 24 hours per day, seven days per week. Necessary system maintenance will be scheduled for hours during which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated voice response system (Telebanc), our ATM machines, or a branch office (during regular business hours) to conduct your transactions.

Bill Payment
You may apply for our optional Online Bill Payment system by contacting a Customer Service Representative at any of our branch locations. The Bill Payment service allows you to schedule payments through your online banking system for current, future and recurring bills from your checking account. You must designate a specific checking account (excluding money market accounts) as your bill payment account.

Restrictions
We will not permit you to use a money market checking or savings account as your Bill Payment Account, because Federal regulations require us to limit either by contract or in practice the number of certain types of transfers from money market checking or savings accounts. Under these regulations, you are limited to six (6) preauthorized electronic funds transfers and telephone transfers, including Cornerstone Community Bank's Online Banking transactions, checks, and point-of-sale transactions per month. Of these six transactions, you are limited to no more than three (3) transactions per month by check or point-of-sale. Each funds transfer or payment through Cornerstone Community Bank's Online Banking Service from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each month.

Eligibility
You may pay any merchant or individual approved for payment by Cornerstone Community Bank for payment through the Online Bill Payment Service. We will be unable to process any payments to federal, state, or local tax agencies. Online Bill Payments are available only to payees with a U.S. mailing address.

Bill Pay Procedure
By furnishing us with the names of your payees (merchants and/or individuals) and their addresses, you give us authorization to follow the payment instructions, which you provide to us via Cornerstone Community Bank's Online Banking Service for these payees. When we receive a payment instruction for the current date or a future date, we will remit the funds to the payee on your behalf from the funds in your selected account; on the day you have instructed them to be sent (Payment Date). We are not obligated to pay funds from your account(s) if the account balance is insufficient to cover the payment, unless your account has overdraft protection in an amount sufficient to cover the payment. Funds for ALL bill payments, whether paid electronically or by check, will be withdrawn on the day the payment is scheduled to be SENT to the payee.

Note
Any payments made with Bill Payment require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. In the event that the payee for your scheduled payment does not accept payments via the electronic system, your payment will be made by mailing a paper check. Paper payment requires a longer delivery time. Payments should be made seven (7) business days prior to the due date.

Liability
If you fail to schedule your payment according to the recommended time frame, Cornerstone Community Bank will not be responsible for the late fees or finance charges. 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 or late fees. Paper checks are mailed to the address you supply. Cornerstone Community Bank will not be responsible for processing incorrect information, which is supplied by you through the bill payment system, or for failure of the payment to process due to incorrect information. In addition, we will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. We will also not be liable if there are insufficient funds or credit availability in your designated payment account or overdraft protection plan, if a legal order prohibits us from conducting withdrawals to the payment account, if there is a hold on the account for uncollected funds or any other valid reason for hold, if the payment account is frozen or closed, 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 due to the use of Bill Payment.

Research Requests
To inquire about an Online Bill Payment, please contact a Cornerstone Community Bank Customer Service Representative at one of our locations.

Termination
Cornerstone Community Bank reserves the right to terminate your use of Bill Payment at any time. If for any reason you should wish to terminate your use of Cornerstone Community Bank's Bill Payment System, we recommend that you cancel all future bill payment and transfers at the same time you cancel your account, by deleting the payments yourself, or by calling a Cornerstone Community Bank Customer Service Representative at one of our locations. This will insure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payments and transfers (both one-time and recurring) once we have been notified that your service has been terminated. We will continue to maintain your accounts unless you notify us otherwise.

Joint Account Holders
Each Bill Payment account may consist of either one individual account holder, or multiple (joint) account holders. Each account holder needs a unique Cornerstone Community Bank Online Banking password. The terms of this online banking agreement apply to all account holders enrolled in the Online Bill Payment program. In order to have a joint membership, all members must be joint signers on the checking account linked to Bill Payment. Joint members share the same payee list, and are subject to the joint tenant rules contained in the Account Agreement and Signature Card for the checking or savings account. Either account owner may close the bill payment service.

Consumer Rights and Responsibilities
In addition to this Agreement, you agree to be bound by and comply with the Account Agreement and Account Disclosure, the rules and regulations of the electronic transfer system, and state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account.

You, the consumer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transaction(s). If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, changed your PIN, and that you are responsible for any transactions made by such persons until such time as we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us, call a Cornerstone Community Bank Customer Service Representative at one of our locations or click here .

When you write us about your problem, please:

• Describe the error or transaction in question, and explain why you believe it to be an error.
• Tell us the dollar amount of the suspected error.
• If the problem involves a bill payment provide the payee’s name, date for which the payment was scheduled and payment amount.

The Bank reserves the right to terminate or modify this agreement and modify your access to Cornerstone Community Bank's Online Banking Service in whole or in part, at any time.

Federal law requires that if you believe your online password has been lost, stolen or compromised and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your online password without your permission.

Limitations on Bank Liability
We will not be responsible for the following incidents, errors or failures:

We will not be responsible for failure to provide access or for interruptions in access to Cornerstone Community Bank's Online Banking Service or Online Bill Payment Service due to a system failure or due to other unforeseen acts or circumstances.

We will not be responsible for any errors or failures from any malfunction of your computer or any computer virus or other problems related to your computer equipment used with Cornerstone Community Bank's Online Banking Service.

We are not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplications of any system you use, including your browser (Microsoft Explorer® , Netscape Navigator® , or otherwise), your Internet Service Provider (ISP), your personal financial management or other software (such as Quicken® , or Microsoft Money® ), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Cornerstone Community Bank's Online Banking Service.

We are not responsible for postal delays or processing delays by the payee for any bill payment made through our Bill Payment Service.

Other Provisions

Electronic Notice
With your consent, we may send notices to you by electronic mail (e-mail). You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential personal or financial information by e-mail. There may be times when you need to speak with someone immediately, especially to report a lost or stolen PIN, or to stop a payment. In these cases, do not use e-mail. Instead call a Cornerstone Community Bank Customer Service Representative at one of our locations, during regular business hours, Monday - Friday 8:30 a.m. - 5:00 p.m., excluding Saturday, Sunday or Federal Bank Holidays.

Ownership of Website
The content, information and offerings on our website are owned by Cornerstone Community Bank, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.

Fees and Charges

Changes to Fees, Charges and Other Terms
We reserve the right to change the fees, charges or other terms outlined in the agreement. We will notify you 30 days prior to implementation of changes, either by written notice or e-mail, and will also update this agreement, if the changes to this agreement are more restrictive than those stated in the agreement, or increase your responsibility for unauthorized transactions. In the event that a change is necessary to ensure the security of the online system, an immediate change may be necessary, and we will notify you within 30 days after the change is made by electronic or written notice. You may choose to accept or decline changes by continuing or discontinuing the services to which the changes relate. We reserve the option to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure.