Community Bank Online – Business Service Agreement

Effective April 1, 2016

I.        General Description of Agreement

A.    What This Agreement Covers

Community Bank is a Department of Defense owned banking program operated through a contract with a commercial financial institution. Currently, the contractor is Bank of America, N.A. The Defense Finance and Accounting Service, in coordination with the Military Service banking representatives, is responsible for the oversight and management of Community Bank. Community Bank is referred to as "we", "us", “Community Bank” or "the Bank" within this Agreement. This Agreement between you and Community Bank governs the use of Community Bank Online services. These services permit Community Bank account customers to perform a number of banking functions on accounts linked to the services through the use of a personal computer and the Internet. Before you begin to use Community Bank Online, you should familiarize yourself with the services by reading this Agreement and other online information.

You should read this Agreement carefully, print them and keep them in a safe place as you may want to refer to them in the future.

B.    Accepting the Agreement; Transfer of Personal Data

When you use any of the Community Bank Online services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of this Agreement. We may amend these terms, and modify or cancel any or all Services, or any of its features without notice. You also agree that the Bank, its agents or associates may process any personal data held in connection with the Community Bank Online service and may transfer such personal data outside your host country and, if applicable, the European Economic Area as is reasonably necessary to provide such service.

C.    Relation to Other Agreements

Your use of Community Bank Online services may also be affected by the agreements between us for your deposit and other linked accounts. When you link accounts to Community Bank Online services, this does not change the agreements you already have with us on those accounts. For example, when you use Community Bank Online services to access a checking account, you do so under the terms and conditions contained in the agreement and disclosure for the checking account. You should review those agreements for any applicable fees, for any limitations on the number of withdrawals/transfers you can make, and for any other restrictions, which might impact your use of Community Bank Online services with an account.

II.      Community Bank Online Services

These services, within Community Bank Online, are offered to Organizations:

A.    Community Bank Online

To use Community Bank Online, you need:

§  A Community Bank Organization checking or Organization savings account.

§  Service through an Internet service provider (ISP)

§  A Username and Password, which will be provided to the custodian on the account after the access has been established by us. Please contact a bank associate to begin the process to establish the access. Your Username and temporary password will be provided to you. You will be required to change your password the first time you access the system.

B.    You may use Community Bank Online to:

§  Transfer funds between your linked Community Bank checking and savings account(s), between two linked checking accounts or between two linked savings accounts.

§  Transfer funds from your Community Bank checking or savings account to another US financial institution via wire transfer (Fed Wire).

§  View current balance information for your linked Community Bank checking, savings and CD accounts.

§  Review transactions for the current statement cycle and prior statement cycles for your checking or savings account.

§  Send us secure e-mail messages and questions regarding Community Bank Online.

§  Export your account information to Quicken®.

III.    Description of Services

A.      Processing Account to Account Transfers

All Accounts

Account to Account transfers enable customers to transfer funds between linked Community Bank checking and savings accounts. Transfers may take up to 2 business days for processing once the transfer is submitted. 

Sterling Accounts (UK Only)

Transfers can occur between the following accounts within the United Kingdom only:

§  Dollar Checking to Sterling Checking

§  Savings to Sterling Checking

§  Sterling Checking to Dollar Checking

§  Sterling Checking to Savings

§  Sterling Checking to Sterling Checking

Exchange rates are determined on the day the transaction is processed, and will be provided within the transfer screen. This information will be viewable through online banking or on your statement by the following business day. For specific rate information contact your Banking Center.

Wire Transfers

Wire transfers enable customers to electronically transfer funds from a Community Bank account to an account at another U.S. financial institution.

Requests for same day wire transfers must be submitted by 2:00 pm U.S. Central Time. Wire transfer requests received after 2:00 pm U.S. Central Time will be processed on the next business day.

There is a $15.00 charge for domestic wire transfers. Accounts utilizing analysis will see the wire transfer fee itemized on their analysis statement.


B.    Limitation and Dollar Amounts for Transfers

The cumulative daily limit for account to account transfers is $10,000.00. In addition, the primary user may establish set limits for authorized secondary users. When you schedule a transfer, you authorize Community Bank to withdraw the necessary funds from your Community Bank account. You agree that you will instruct Community Bank to make a withdrawal only when a sufficient balance is or will be available in your account at the time of the withdrawal. You understand that Community Bank will not act on any withdrawal instruction from you if sufficient funds are not available in your account.

C.    Canceling Transfers


You may cancel a transfer transaction up to the date you scheduled it for processing. We must receive your instructions to cancel before the end of the appropriate theatre bank business day on the date the transaction was scheduled to be processed

D.    Confirmation of Transfers

Transfers can be reviewed on your monthly account statement or within Community Bank Online.

E.     Euro Payments

With Euro Bill Pay service you can make single and repeating payments online from your linked Community Bank checking accounts that were opened in Germany, Italy, or The Netherlands, to companies or individuals you select that have an account in a SEPA participating country for receipt of funds.

Payments are processed on the German banking day that you specify, using the information provided by you through the Bank’s online system. Payments scheduled on a non-business day, will be processed the next business day. You are wholly responsible for all payment information provided (i.e. beneficiary name, IBAN, date of transaction, and amount to be processed). Community Bank is not liable to you in the event that we followed the guidance within your payment request, should the funds be delivered to the incorrect beneficiary, if the payment was delayed, or if the payment was sent for the incorrect amount. In the event that a payment you submitted to us is processed as requested, but was ultimately incorrect, you are solely responsible for working with the beneficiary to have the funds returned to you.

Modification or cancelation of future dated payment requests must be submitted through Online Banking before the beginning of the appropriate bank business day in the country in which the account is domiciled on the date the transaction was scheduled to be processed. Euro Bill Payments cannot be canceled the same day as they are processed.

Repeating payments may only be initiated via online banking.

Euro bill payments can be submitted in any amount between $0.01 and $15,000.00 equivalent. The cumulative daily organizational limit for Euro bill payment transactions is $75,000.00 equivalent. In addition, the primary user may establish set limits for authorized secondary users.

The Euro bill payment cut-off time is 4 p.m. U.S. Central Time, Monday through Friday, excluding Bundesbank holidays, Thanksgiving, Christmas and New Years Day. Payments received before the cut-off time will be processed the following business day and may take up to 4 business days for the beneficiary to receive the payment.  

Should a payment that you submitted and we processed not be received by the beneficiary in a reasonable period of time (4 business days), you can request a “Euro Bill Pay Inquiry” be placed on the payment. If we are charged a fee by the beneficiary bank for the inquiry request, that cost will be debited from the payment account and appear on your next statement.


§  Upon request of the Originator or upon Community Bank’s own initiative, Community Bank may request from the beneficiary bank a recall of funds sent to a beneficiary provided the following criteria are met.

§  Recall request must be executed prior to the close of the 10th German banking business day from the day the funds were debited out of your account. This will allow the bank the appropriate amount of time to process the request and ensure it reaches the receiving institution within the required timeframe.

§  The payment was wrongly executed for one of the reasons below:

o    Duplicate transmission

o    Technical problems resulting in an erroneous payment

o    Fraudulent payment


§  The beneficiary bank must generally respond within 10 German banking business days. Community Bank cannot guarantee that the funds will be returned. In these rare instances, you must work with the payment recipient to receive the funds.

§  The beneficiary bank may charge a fee for returning a payment that has been recalled. You may receive less than the original amount transferred. Funds will only be placed into the original debiting account when we receive the funds back from the beneficiary bank. You may not receive a notice from us informing you of the credit back to your account.

F.     Privacy

Community Bank recognizes that our customers and others visiting our online site have an expectation of privacy in their dealings with us. For this reason, we take security and privacy of customer information very seriously. Please see the Community Bank Privacy Policy , which can be found on our website, for more details.

G.    Exclusions of Warranties


H.    Password and Security

You agree not to give or make available your password or other means to access your account to any unauthorized individuals. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling us at 1-800-239-9427 during customer service hours. Customer Service is available between 8:00 AM to 6:00 PM Central Time Monday through Friday (except bank holidays).

I.     Alterations and Amendments

This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates.

J.     Address or Banking Changes

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes to this information can be made by contacting Customer Service. Any changes in your Primary Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for transfers paid from the updated Primary Account information. The Service is not responsible for any processing errors or fees incurred if you do not provide accurate Primary Account or contact information.

K.    Service Termination, Cancellation, or Suspension

In the event you wish to cancel the Service, you may have the ability to do so through the service, or you may contact customer service via one of the following:

§  Telephone us at 1-800-239-9427 during customer service hours; and/or,

§  Write us at:
Community Bank
Attn: Customer Service Center
300 Convent Street, Suite 400
San Antonio, TX 78205-3701

Any transfer(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Transfers including recurring transfers will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

L.     Information Authorization

Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that the Service reserves the right to obtain financial information regarding your account from another financial institution (for example, to resolve posting problems or for verification).

M.   Disputes

In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

N.    Assignment

You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

O.    No Waiver

The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

P.    Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.


IV.   Errors, Questions and Unauthorized Transactions

A.      In Case of Errors or Questions about Your Electronic Transactions; Reporting Unauthorized Transactions

Call or write us AT ONCE if you think:

§  Your statement or transaction record is wrong,

§  You need more information about a transaction listed on the statement, or

§  Your Community Bank Online ID and/or Password have been discovered by an unauthorized person, or someone has transferred or may transfer money from your account without your permission.

Contact us by either:

§  Telephone us at 1-800-239-9427 during customer service hours.

§  Contacting us by using the application's secure e-messaging feature; and/or,

§  Writing us at:

Community Bank
Attn: Customer Service Center
300 Convent Street, Suite 400
San Antonio, TX 78205-3701

We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared.

If you tell us verbally, we may require you to send us your complaint or question in writing within 10 business days. When you contact us, please provide the following information:

§  Your name and account number,

§  Date and dollar amount of transaction in question,

§  Transaction number assigned by Community Bank Online if available, and

§  Any additional description of the transaction you are unsure of.

Please explain as clearly as you can why you believe there is an error or unauthorized transaction or why you need more information.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) business days after your verbal notification. We will tell you the results of our investigation within ten (10) business days after we hear from you, and we will promptly correct any error we have made. If we need more time, however, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within ten business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive your letter in ten business days, we may not provisionally credit your account.

If we conclude there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of any documents used in our investigation.

Unless you have instructed us otherwise, you agree that any correspondence we send you concerning errors, questions or alleged unauthorized transactions may be delivered via e-mail to the most recent address you have submitted for our records.

B.    Unauthorized Transactions; Limitation of Bank's Liability

This section only applies to transactions performed in dollars. Euro Bill Payments are not included in the protections identified below.


Tell us at once if you believe your Community Bank Online ID and/or Password have been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately. The unauthorized use of your Community Bank Online service could cause you to lose all the money in your accounts.

If you tell us within two business days after you learn of an unauthorized transaction, you can lose no more than $50 if someone made a transaction without your permission.

However, if you do not tell us within two business days, and we can prove that we could have stopped someone from using your Community Bank Online service without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transactions you did not make, tell us at once. If you do not tell us within 60 days after the statement is mailed to you, you may not get back any of the money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a change of custodian) kept you from telling us, we may extend the above time periods.

When you give someone your Community Bank Online ID and Password, you are authorizing that person to use your Service, and you are responsible for all transactions the person performs using the Service. All transactions that person performs even those transactions you did not intend or want performed are considered authorized transactions. If you notify us that the person is no longer authorized, then transactions that person performs after the time you notify us and we have had a reasonable opportunity to act on the notice are considered unauthorized.

Transactions that you or someone acting for you initiates with fraudulent intent are also considered authorized transactions.

C.    Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your direct losses or damages. However, there are some exceptions. We will not be liable, for instance, if:

§  Through no fault of ours, you do not have enough available funds in your account to cover the transaction.

§  Community Bank Online or your equipment was not working properly, and the malfunction was apparent to you when you started the transaction.

§  Circumstances beyond our control (such as telecommunications outages, fire or flood) prevent the transaction, despite reasonable precautions we have taken.

There may be other exceptions not specifically mentioned here.

V.     Other Terms and Conditions

A.    Community Bank Online Charges

There is no charge for our Community Bank Online service, which provides access to your entire Community Bank financial relationship.

B.    Other Charges

Normal fees and charges continue to apply to all of your linked accounts. Depending on how you access Community Bank Online, you may also incur Internet Service Provider fees. Additionally, fees may be assessed for non-sufficient funds and failed or returned transactions.

C.    Business Days

For Community Bank Online services, our business days are Monday through Friday, excluding U.S. banking holidays.

D.    Service Hours

Community Bank Online services are generally available 24 hours a day, 365 days a year, except for unscheduled outages, system maintenance and upgrades. When this occurs, a message will be displayed on-line when you sign on to Community Bank Online. Customer Service is available between 8:00 a.m. and  6:00 p.m. Central Time, Monday through Friday (except bank holidays).

E.     Canceling Your Community Bank Online Service

Your Community Bank Online service remains in effect until it is terminated by you or Community Bank. You may cancel your service at any time by notifying us of your intent to cancel in writing, through Community Bank Online e-mail, or by calling Community Bank Online Customer Service. This notice will apply only to your Community Bank Online service and will not terminate your Community Bank accounts (unless you do so by separate notice to the appropriate area of the Bank).

We may terminate your participation in the Community Bank Online service for any reason, at any time. We will try to notify you in advance, but we are not obligated to do so.

F.     Changes to Agreement

We may change this Agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or by electronic message. If you maintain your Community Bank Online service after the effective date of a change, you indicate your agreement with the change.

G.    Contact by Community Bank or Affiliated Parties

No employee of Community Bank or any affiliated company will contact you via e-mail, or phone or otherwise requesting your Online ID and/or Password. If you are contacted by anyone requesting this information, please contact us immediately. In addition, the Bank will not send notification that your service has been frozen, or for any other similar “administrative” situation.

H.    Disclosure of Account Information

We may disclose information to third parties about your account or your transactions:

§  When necessary for verifying or completing transfers, or to resolve a problem related to a transfer;

§  To verify the existence and condition of your account for a third party, such as a or merchant;

§  To comply with a government agency or court order or request of a federal regulator;

§  If you give us your written (including electronic message) permission or where it is necessary for activating additional services you requested;

§  At the Bank's discretion, to any of our subsidiaries or affiliates;

§  In the form of non-specific aggregate data to a consumer-reporting agency for research purposes only;

§  On a closed account, if we reasonably believe you have mishandled it; or

§  As otherwise permitted or required in the Bank's Privacy Policy, Deposit Agreement and Disclosures, or other applicable agreements, or by law or government regulations.

I.     Account History

We report your Community Bank Online transactions on your designated account monthly statement. A description of the recipient, date, and amount will appear on the statement.

J.     E-mail Communications

Unless you have instructed us otherwise, you agree that Community Bank may send you electronic messages about other accounts and services we offer, and that we may respond to any electronic message that you send us by electronic mail (via the "Messages" or Contact Us function), such as responding to any claim of unauthorized electronic funds transfer. Any electronic message sent to you by the Bank shall be considered as if it were sent by U.S. Mail, postage prepaid, and shall be considered received within three days of the date sent by the Bank, regardless of whether you sign on to the Community Bank Online service within that time frame. It is your responsibility to ensure your e-mail address remains accurate.

We cannot act on instructions sent by you from an external e-mail address. If for any reason your external e-mail address changes or becomes disabled, please contact the Bank immediately so that we can continue to provide you with the automated messages.

K.    Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Texas. To the extent that any term of this Agreement may conflict with any applicable state or federal law, such law shall supersede the conflicting term only to the extent required by law, and all other terms of this Agreement shall remain in full force and effect.

VI.   Community Bank Online Electronic Disclosure and Consent

If you provide your consent below, you agree that we may provide to you in electronic format with agreements, disclosures, notices, statements and other information and communications regarding your accounts, services and products, the use of any Community Bank Online services, your relationship with us, and/or other programs, products or services that are or may be in the future be made available to you through Community Bank Online ("eCommunications"). We will provide such eCommunications by posting them on the Community Bank Online website for a period of at least 90 days. Such eCommunications may include, but are not limited to:

§  This Electronic Disclosure and Consent and any future amendments;

§  The Community Bank Online Service Agreement and any future amendments;

§  Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;

§  Any notice or disclosure regarding an account, product or service fee, such as a late fee, an overdraft fee, an overlimit fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;

§  Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us; and

§  Our Privacy Policy and other privacy statements or notices (by posting such notices on our website).

We agree to provide you with a paper copy of such eCommunications at your request. You may request paper copies of required notices by calling us at Telephone us at 1-800-239-9427 during customer service hours.

You have the right to withdraw this consent, but if you do, we will immediately terminate your participation in Community Bank Online. To withdraw your consent, please contact us at 1-800-239-9427 during customer service hours.

A.    Acknowledgment of Commercially Reasonable Security Procedures

By using Online Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).

B.    Limitation of Bank's Liability

If we fail or delay in making a transfer pursuant to your instructions, or if we make a transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law, our liability shall be limited to interest on the amount that we failed to timely transfer, calculated from the date on which the transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you, and our payment will fully discharge any obligation. If we make a transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed 60 days' interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where Community Bank is headquartered for each day interest is due, computed on the basis of a 360-day year.

VII. Additional Services Intended for Businesses/Organizations

A.    Creating and Managing Users

You may add additional users to your Online ID and provide each with a separate passcode. For each user, you may designate the activity level - Inquiry or Financial - for each linked account.

You may also designate another user as an Administrator, which means that this user will also be able to designate additional users. You agree that, by granting financial access, you will be allowing a user to transfer funds, perform account maintenance and view account transactions for the linked account. Inquiry access allows a user to view account transactions. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the customer has the obligation to inform Community Bank of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to us in writing at:

Community Bank
Online Banking Services
300 Convent Street
San Antonio, TX 78205

B.    Protecting Your Passcode

You agree that we may send notices and other communications, including passcode confirmations, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that Community Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to: 1) keep your passcode secure and strictly confidential, providing it only to authorized signers on your account(s); 2) instruct each person to whom you give your passcode that he or she is not to disclose it to any unauthorized person; and 3) immediately notify us and select a new passcode if you believe your passcode may have become known to an unauthorized person. Community Bank will have no liability to you for any unauthorized payment or transfer made using your passcode that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your passcode even without receiving such notice from you, if we suspect your passcode is being used in an unauthorized or fraudulent manner. In the event that an authorized user becomes unauthorized, you must notify us, and change your passcode. We may, on occasion request that the User ID to protect the account(s).


In order for you to access and retain eCommunications in connection with Community Bank Online, your system must meet the following requirements (collectively, "System Requirements"):

§  Internet Access

§  The Banking Solutions applications require one of the following Internet browsers:

o    Microsoft Internet Explorer 11

o    Microsoft Internet Explorer 10

o    Mozilla Firefox 44 (or higher)

Most eCommunications provided within Community Bank Online are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 6.0 or later versions is required - A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at

In certain circumstances, some eCommunications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications.

To print or download eCommunications you must have a printer connected to your computer or sufficient hard-drive space (approximately 1 MB) to store the Communications.

Updating Your Contact Information

In the event that your e-mail address or other contact information is changed, you must notify Community Bank of such changes immediately by selecting the Services tab within Community Bank Online or calling Customer Service at 1-800-239-9427 during customer service hours.

If you fail to update or change an incorrect e-mail address or other contact information, you understand and agree that any eCommunications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form through Community Bank Online or e-mailed to the e-mail address we have for you in our records.

By selecting "I agree" below, I understand that:

§  I consent to receive eCommunications in electronic form;

§  I agree to the Terms and Conditions of the Community Online Service Agreement;

§  I acknowledge receipt of the Community Bank Privacy Policy ;

§  I agree that my computer meets the required System Requirements to access and retain the eCommunications; and

§  I agree that the Bank, its agents or associates may process any personal data held in connection with the Community Bank Online service and may transfer such personal data outside my host country and, if applicable, the European Economic Area as is reasonably necessary to provide such service. I may revoke this consent at any time, but if I do, my participation in Community Bank Online will be promptly terminated.