LYON COUNTY STATE BANK

ONLINE & MOBILE BANKING AGREEMENT AND ELECTRONIC FUND TRANSFER ACT DISCLOSURE

This Online and Mobile Banking Access Agreement and Electronic Fund Transfer Act Disclosure is a contract which establishes the rules covering your electronic access to your accounts at Lyon County State Bank through Online and Mobile Banking. By clicking “I Accept” below and using Online or Mobile Banking, you accept all the terms and conditions of this Agreement. Please read it carefully.

DEFINITIONS

The word “Agreement” refers to this Online and Mobile Banking Access Agreement and Electronic Funds Transfer Act Disclosure. The terms “Internet Banking,” "Online and Mobile Banking," and “Online Banking Services,” means the services provided pursuant to this Agreement. As used in this Agreement, the words “Bank,” "we", "us" and "our" refer to Lyon County State Bank. "You" and "your" refer to the accountholder authorized by Lyon County State Bank to use Internet Banking under this Agreement or anyone authorized by that accountholder to exercise control over the accountholder's funds through Online Banking Services. "Account" or "Accounts" means your accounts at Lyon County State Bank. "Electronic funds transfers," or “EFT Services” means ATM and/or debit card transactions (including point-of-sale transactions), preauthorized transactions, electronic check conversion, telephone banking, and transfers to and from your Bank accounts using Online Banking Services. “FI to FI Transfer Service” has the meaning ascribed to it in “Online Banking Services” below. "Business Day(s)" means Monday through Friday; holidays are not included.

AGREEMENT

The terms and conditions of the deposit agreements and disclosures for each of your Bank accounts as well as your other agreements with Bank, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal laws and the laws of the State of Kansas (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and Bank’s successors and assigns. Certain obligations of the parties pursuant to this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement together with the Application constitutes the entire agreement between you and Bank with respect to the subject matter hereof and there are no understandings relative hereto which are not fully expressed herein.

ACCESS AND SERVICE LIMITATIONS

To use Online Banking Services, you must have at least one open and active account at Bank, access to Internet service and the appropriate hardware/software systems. Online and Mobile Banking can be used to access Bank accounts which you are authorized to access. Access to your accounts through Online Banking Services will be based upon the identification of users. We undertake no obligation to monitor transactions through Online and Mobile Banking to determine that they are made on behalf of the accountholder.

You can use Online and Mobile Banking seven days a week, twenty-four hours a day, although some or all Online Banking Services may not be available occasionally due to emergency or scheduled system maintenance. In addition, accessibility may be interrupted because of conditions beyond our control, including outages in internet or phone service. We will use commercially reasonable efforts to secure all Online Banking Services to prevent access by unauthorized persons and to prevent the introduction of any unauthorized tracking or malicious code, such as a computer virus or spyware. However, no security system is failsafe, and despite our efforts the security of Online and Mobile Banking could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is subject to a security breach as required by applicable law. The accounts that you access using Online Banking Services are subject to the terms and conditions of the deposit agreement for those accounts and the additional terms and conditions included in this Agreement.

SECURITY

You understand the importance of your role in preventing misuse of your accounts through Online and Mobile Banking and you agree to promptly examine your periodic statement for each of your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification information by itself, or together with information related to your account, may allow unauthorized access to your account. Your Password and Login ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via Online and Mobile Banking is encrypted in an effort to provide transmission security and Online Banking Services utilizes identification technology to verify that the sender and receiver of transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the Online and Mobile Banking system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Online and Mobile Banking, or e-mail transmitted to and from us, will not be monitored or read by others.

YOUR PASSWORD

For security purposes, you are responsible for creating a Password upon your initial login to Online and Mobile Banking. You determine what Password you will use and the identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You accept responsibility for the confidentiality and security of your Password and agree to change your Password periodically. Upon three unsuccessful attempts to use your Password, your access to Online Banking will be locked. To unlock your Online Banking, you must contact the Bank to have your Password reset.

Passwords are required to be at least eight characters in length and cannot exceed twenty-five characters total. Your password must utilize both upper and lower case alpha characters, contain at least one numeric character, and one of the approved special characters. Your Password should not be associated with any commonly known personal identification, such as a social security number, address, date of birth or names of children, and should be memorized rather than written down.

FEES

You agree to pay any fees and charges for use of Online Banking Services as set forth in the current fee schedule. You are also responsible for telephone and Internet service fees you incur in connection with your use of Online and Mobile Banking.

ONLINE BANKING SERVICES

You can use Online Banking Services to check the balance of your Bank accounts, view Bank account histories, view check images and statements, enroll to receive electronic statements and/or notices, transfer funds between your Bank checking and savings accounts, make Bank loan payments, submit stop payment requests, and use Mobile Banking. Consumer Online Banking Users may enroll in the FI to FI Transfer Service to transfer funds to and from external bank account(s), enroll in Bill Pay and make Payments, enroll and submit eligible Mobile Deposit(s), and enroll in SMS Text Banking services. Upon approval, Business Customers may use Online Banking for Positive Pay, the origination of ACH files, and the origination of wire transfers.

STOP PAYMENT REQUESTS

You may initiate stop payment requests using Online Banking only for paper checks you have written on your Bank account(s). The stop payment must precisely identify the name of the payee, the check number, the amount and date of the check. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account. Review your account agreement with us for additional limitations on Stop Payment Requests.

TRANSFERS

Transfers can be made on a one-time or recurring basis. One-time transfers may be immediate or scheduled for a future date. The recurring transfer feature may be used when a set amount is transferred at regular intervals.

Online Banking identifies both internal and external transfers based upon the login ID of the user who made the electronic transfer. You agree to communicate with any other persons with authorized access to your accounts concerning any scheduled or recurring transfers from your accounts in order to avoid overdrafts.

Canceling Transfers: Future-dated and recurring transfers that were created using Internet Banking can be canceled by accessing Internet Banking prior to 7:00 pm Central Time on the Business Day prior to the date the transfer is scheduled to be made. You may also request to cancel a recurring or future-dated transfer by calling us at 620-342-3523. We must receive your phone request at least three Business Days before the transfer is scheduled for processing.

Posting of Transfers:Internal transfers initiated through Online and Mobile Banking on a regular Business Day made prior to 7:00 pm Central Time are posted to your account the same Business Day. Transfers completed after 7:00 pm Central Time, will post on the next Business Day.

Lyon County State Bank’s FI to FI Transfer Service allows you to transfer funds between your Bank account and your account(s) at another financial institution through your Lyon County State Bank Online Banking Services. Enrollment is required for FI to FI Transfer Service. To ‘enroll’ an external account, you must provide the following information regarding the external account: account number, the ABA Routing and Transit Number for the external financial institution, the name of the external financial institution, and whether the external account is a checking or savings account. You agree that you will only attempt to enroll and verify account(s) for which you are an account owner and have the actual authority to transfer funds. For verification purposes, Lyon County State Bank will make a small deposit(s) to the external account. It is your responsibility to verify with the external financial institution any restrictions regarding transfers to or from any external account that you enroll. Lyon County State Bank is not responsible for direct, indirect, special or consequential costs, fees, losses, penalties, or other damages resulting from external transfers that are not permitted under restrictions of other financial institutions or those imposed by applicable laws and regulations.

Outbound external transfers initiated through Bank’s FI to FI Transfer Service, on a regular Business Day prior to 3:00 pm Central Time, effective for the same Business Day as initiation, will post to your Account the same Business Day. One-time, immediate outbound external transfers, initiated thru Bank’s FI to FI Transfer Service, after the 3:00 pm Central cut-off time, will process the next Business Day. Funds from inbound external transfers are available the Business Day after the banking day on which we receive the payment in actually and finally collected funds.

Limits on Amounts and Frequency of Electronic Transfers: The number of transfers from Bank accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. 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.

Your Liability for Unauthorized Transfers: If your statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the FIRST statement on which the error is alleged was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period if we can establish that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we may extend the time periods.

CONTACT US IMMEDIATELY if you believe your Password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft limit, if any).

Our Liability for Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. 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 of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts.
  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  • f any electronic terminal, telecommunications device, or any part of the Online Banking electronic fund transfer system was not working properly when you attempted to initiate the transfer and you reasonably suspected that there was a problem or that your transfer might not have been initiated, but you failed to notify us.
  • If you have not properly followed the on-screen instructions for using Online Banking or you fail to receive a transaction confirmation screen.
  • If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

Overdrafts: If your account has insufficient funds to perform all electronic fund transfers you have requested for a given Business Day, then:

  • Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority;
  • Electronic fund transfers initiated through Online Banking which would result in an overdraft of your account may, at our discretion, be cancelled;
  • In the event the electronic fund transfers initiated through Online Banking, which would result in an overdraft of your account, are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Right to Receive Documentation of your Transfers: Transfers to and from your accounts will appear on the respective periodic statements for your Bank account. A separate Online Banking statement will not be provided.

MOBILE BANKING

Mobile Banking is a delivery method providing access to your account information and other Online Banking Services using your mobile phone or other compatible device. It is provided as an additional service to our Online Banking Services and is 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. In order to use Mobile Banking you must be enrolled to use Internet Banking. Access to Mobile Banking is provided through the Bank’s branded Mobile Application (“App”) which can be downloaded through a standard application store available to you through your mobile device.

We will use reasonable efforts to make the service available for your use on a continuous basis, although it may be unavailable for short periods of time for regular or emergency system maintenance. We will use diligent efforts to re-establish services as promptly as possible. We cannot guarantee the service will always be available for your use. Mobile Banking may not be accessible or may have limited use over some network carriers. Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues. We do not guarantee functionality of the service on all wireless devices. You are responsible for the charges of any wireless service provider while using the service.

You are responsible for providing your own hardware and browser software and downloading the branded Lyon County State Bank App. You agree not to use this service for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations.

You agree that you will not attempt to access this service for which your use has not been authorized. You agree that you will not attempt to use a third party’s account and/or otherwise abuse the service.

MOBILE DEPOSIT

Mobile Deposit is an additional service available to Consumer Online and Mobile Banking Users. Mobile Deposit is accessible through the Bank’s Mobile Application (“App”) and may be used to deposit checks into eligible Bank accounts from a remote location. Mobile Deposit requires use of a compatible Mobile Device that can capture an electronic image (“Image”) of the front and back of an eligible, original check (‘Item”). Once captured, the Images of the Item and associated deposit information is delivered to the Bank electronically. This agreement governs your use of the Bank Mobile Deposit Service and your use of Mobile Deposit constitutes your acceptance of this agreement.

When using Mobile Deposit, you may experience technical or other difficulties. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. We may establish limits on the dollar amount and or number of Items from time to time. We may reject your deposit if you attempt to initiate a deposit in excess of these limits. We reserve the right to change, suspend or discontinue Mobile Deposit immediately and at any time without prior notice to you.

You agree to use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You agree that you will only transmit acceptable Items for deposit and will handle the original Items in accordance with applicable laws, rules and regulations.

You are responsible for any loss or overdraft plus any applicable fees to your Account due to an Item being returned. In the event an Item that you deposited using Mobile Deposit is credited to your account and is dishonored, you authorize us to debit the amount of such Item from your account plus fees as applicable in the current Fee Schedule.

Processing of the transaction may be limited based on our normal hours of operation, or those of third party financial service organizations involved in a transaction.

Qualifications: Personal accounts opened for at least 30 days with a current positive balance and satisfactory account history may be approved to use Mobile Deposit Service.

Image Quality: You are responsible for the Image quality of an Item that you transmit using Mobile Deposit Service. If an Image that we receive from you is not sufficient quality to satisfy our image quality standards, we may reject the Image without prior notice to you. The Image quality of the Item must comply with the standards established by any clearing house we use, and the following information must be clearly legible: amount, payee name, drawer signature, date, check number, account number, routing and transit number, MICR (Magnetic Ink Character Recognition) line, and any endorsement or other information written on the Item.

Eligible Items: You agree to capture an image and deposit only Items as defined in Federal Reserve Regulation CC and only Items that are permissible under this Agreement. Captured Items meeting our requirements will be converted to substitute checks as defined in the Check Clearing for the 21st Century Act (“Check 21”) and Federal Reserve Regulation CC, to facilitate the deposit and collection of such items.

You agree that you will NOT use Mobile Deposit Service to capture and deposit any Items as listed below:

  • Checks or Items payable to any person or entity other than a person or entity that owns the account the check is being deposited into (third party checks)
  • Checks or Items containing alterations to any fields on the front of the check or Item (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or Item is drawn
  • Checks or Items previously converted to a substitute check as defined in Regulation CC.
  • Checks or Items drawn on a financial institution located outside the United States
  • Checks or Items not payable in United States currency
  • Checks or Items dated more than 6 months prior to the date of deposit (stale dated Items)
  • Checks or Items with any endorsement on the back of the Item other than that specified in this Agreement
  • Money Orders
  • Savings Bonds
  • Traveler’s Checks
  • Insurance Drafts
  • Checks from a closed account

Nothing in this agreement should be construed as requiring Bank to accept any Item for deposit, even if we have accepted the type of Item previously. Bank is not required to identify any Items that you may use for Mobile Deposit that fail to meet the requirements of this Agreement.

Endorsement Requirements: In order for an Item to be processed using Mobile Deposit, the Item must be restrictively endorsed in the proper location on the back of the check. The restrictive endorsement must include the signature endorsement(s) as specified by the Item and include the words, “For Mobile Deposit Only; LCSB” or “For Mobile Deposit Only; Lyon County State Bank.” The Bank reserves the right to reject all Items that are not endorsed as specified or if the Bank has reason to suspect that the image is defective.

Availability of Funds: You agree that Items transmitted using Mobile Deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. Funds deposited using Mobile Deposit are normally available within one Business Day after receipt of the Image of the Item. The deposit cut-off time for Mobile Deposit is 5:00pm Central Time. If the Bank receives and accepts an Item transmitted using Mobile Deposit after the cut-off time, or on any day that is not a Business Day, the deposit is considered as received by us on the next Business Day we are open.

The Bank may delay availability of funds based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as the Bank, in its sole discretion, deems relevant. A notice will be provided to you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the 4th Business Day (Monday thru Friday, excluding federal holidays) after the day of your deposit. You agree that it is your responsibility to understand and build into your transmission schedules the appropriate deadlines necessary to meet our funds availability schedule.

Deposit Limits: Deposits submitted using Mobile Deposit are generally limited to $2,500 per Business Day, and no more than 10 Items per Business Day. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such deposits at other times.

Storage, Security and Destruction of Original Items: You agree that once a check has been deposited through Mobile Deposit, the original Item is your property and not the property of the Bank. You shall securely store the original Item in safekeeping for a reasonable period, not to exceed 180 days after you submit your deposit using Mobile Deposit. Once deposited, you shall ensure that the Item is not presented for payment by you or anyone else.

Upon request by the Bank you will promptly provide to the Bank a retained original Item, or a sufficient copy of the front and back of the original Item in form acceptable to us, to aid in the clearing and collection process, or to resolve claims by third parties, or for our audit or fraud loss prevention purposes. After the 180-day retention period expires, you shall destroy the original Item by shredding it or by any other permanent manner that does not allow the original Item or a copy thereof to be accessed by an unauthorized person(s) and in a manner that the original Item is no longer readable or capable of being reconstructed. After destruction of an original Item, the image will be the sole evidence of the original Item. You shall be liable to us for any losses, costs, expenses, and damages we may incur as a result of your failure to comply with the provisions of this Section.

Rejection of Deposits by Bank: You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to the Bank for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against the Bank relating to such deposits. We will attempt to make contact with you on all Mobile Deposit Items that are rejected by us. If we are unable to contact you by phone, we will send an email to the email address on file informing you that the Item submitted for Mobile Deposit was rejected.

The Bank is not liable for any service or late charges that may be imposed against you due to the Bank’s rejection of any Item that you transmit for deposit through Mobile Deposit. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to the Item being returned. You acknowledge and agree that, while we normally provide communication or notice of rejected deposits, we may reject an Item transmitted through Mobile Deposit in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection.

SMS TEXT BANKING

Your use of SMS (short message service) Text Mobile Banking constitutes your agreement to these terms and conditions. You agree that we may send you text messages through your wireless provider. We do not charge for SMS Text Banking, however you understand that you are responsible for any fees or other charges that your wireless carrier may charge for any related data or message services, including, without limitation, for short message service.

You understand that balances provided may not include recent or pending transactions that have not yet posted to your account and that other restrictions may apply.

In case of unauthorized access to your device or SMS, you agree to cancel enrollment associated with the device immediately. You agree to indemnify, defend, and hold us harmless from any third-party claims, liability, damages or costs arising from your use of SMS or from you providing us with a phone number that is not your own.

You agree that we will not be liable for failed, delayed, or misdirected delivery of information sent through SMS; any errors in such information; any action you may or may not take in reliance on the information or SMS; or any disclosure of account information to third parties resulting from your use of SMS.

You have the right to withdraw this consent and cancel SMS Text Banking at any time by texting the word “STOP” to 89549 from your registered mobile device or by disabling the service in Online Banking.

CHANGE IN TERMS

We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking Service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the Bank's web site or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all the Online or Mobile Banking services shall be deemed as your acceptance of the change in terms. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

IN CASE OF ERRORS OR QUESTIONS

Contact us immediately, if you think there is an error on your statement, or if you need more information about a transfer listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement upon which the problem or error appeared. When you contact us:

  • Tell us your name and account number.
  • Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you contact us by telephone or by e-mail, we may require that you send us your request or question in the form of paper writing by postal mail or fax within 10 Business Days. We will communicate to you the results of our investigation within 3 Business Days of completing our investigation which may take up to 10 Business Days after you contact us. If our investigation shows that an error occurred, we will correct the error within 1 Business Day of making the determination. If we need more time, however, we may take up to 45 days to investigate your request or question, and will provisionally credit your account within 10 Business Days for the amount you allege as an error. If we ask you to put your complaint or question in writing and we do not receive it in the form of paper writing within 10 Business Days, we may not provisionally credit your account.

DISCLAIMER OF WARRANTY AND LIMITATIONS OF LIABILITY

WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IN CONNECTION WITH THE ONLINE BANKING SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT. WE DO NOT AND CANNOT WARRANT THAT ONLINE BANKING WILL OPERATE WITHOUT ERRORS, OR THAT ANY OR ALL ONLINE BANKING SERVICES WILL BE AVAILABLE AND OPERATIONAL AT ALL TIMES. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT, OR OTHERWISE REQUIRED BY LAW, YOU AGREE THAT OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES UNDER OR BY REASON OF ANY SERVICES OR PRODUCTS PROVIDED UNDER THIS AGREEMENT OR BY REASON OF YOUR USE OF OR ACCESS TO ONLINE BANKING, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT OR BASED ON A WARRANTY. FURTHER, IN NO EVENT SHALL THE LIABILITY OF BANK AND ITS AFFILIATES EXCEED THE AMOUNTS PAID BY YOU FOR THE SERVICES PROVIDED TO YOU THROUGH ONLINE BANKING.

YOUR RIGHT TO TERMINATE

You may cancel your Bank Online Banking Services, including Mobile Banking and your participation in Mobile Deposit, at any time by providing us with written notice by postal mail or fax. To cancel Mobile Banking Services, Online Banking access must be terminated. Your access to Internet Banking will be suspended within 3 Business Days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation.

OUR RIGHT TO TERMINATE

You agree that from time to time we may limit access to Online Banking Services to perform routine hardware or software maintenance. We may limit Online and Mobile Banking access and its additional Services, including Mobile Deposit, without prior notice, if you have insufficient funds in any one of your BANK accounts. Online Banking service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.

We reserve the right to change or cancel Online and Mobile Banking services, including Mobile Deposit, in whole or in part, at any time without prior notice. We also reserve the right to temporarily suspend Online and Mobile Banking Services, including Mobile Deposit, at our sole discretion. You agree that we may terminate and/or limit access upon reasonable notice, for any other reason in our sole discretion.

COMMUNICATION BETWEEN BANK AND YOU

Unless this Agreement provides otherwise, you can communicate with us in one of the following ways:

Contact Us Link: Send a secure message via Online Banking to one of our customer service representatives.

Regular e-mail: lcsb@mylcsb.com (Note: regular email sent over the internet is not sent in secure form.)

Telephone: 620-342-3523 or 1-877-448-5272

Fax: 620-342-3522

Mail:

Lyon County State Bank
PO Box 488
Emporia, KS 66801

In Person:

Lyon County State Bank
902 Merchant
Emporia, KS 66801