Online Lending Disclosures

CBG, National Association

ONLINE LENDING SERVICE AGREEMENT and DISCLOSURE

Welcome to CBG Online!

CBG is pleased to offer you the many benefits of Personal and Business Online Lending. Using your computer and the Internet, you will be able to obtain information about your accounts, initiate certain account transactions, view check images, and take advantage of many of the account services we offer to our customers.

All you need is access to the Internet using either Internet Explorer or Netscape Navigator (the latest versions are highly recommended for your greatest security) and a 128-bit Secure Sockets Layer (SSL) encryption protocol. If your browser is not using the latest 128-bit encryption, you will be prompted to upgrade before accessing your accounts.

Please read the Service Agreement and Disclosures outlined below and keep a copy for your records.

CBG, N.A. Online Lending

Service Agreement and Disclosure

CBG hereby publishes the following Agreement and Disclosure (the "Agreement") for use of our Internet Banking Services (the "Services"). As used in this Agreement, the terms "we," "us," and "our" refer to CBG. "You" and "your" refer to the account holder(s) and anyone else who enrolls in and/or uses the Services. The term "account" means your account(s) at CBG, such as deposits and loans. "Business day" means every day, except Saturdays, Sundays, and federal holidays. CBG reserves the right to modify this Agreement at any time, effective upon 30 days of notice to you via postal letter to the last address you have given us, e-mail message, or as posted when accessing the Services, unless an immediate change is necessary to ensure the security of the Services. Use of the Services or attempting to connect to the Services, constitutes your agreement with these terms, conditions, instructions and any modifications thereof.

RELATION TO OTHER AGREEMENTS

Except where it is noted in this Agreement, all Services are subject to the terms and conditions set forth in the Redefining Personal Loans brochure and the Fee Schedule provided to you at the time you first opened your CBG account. The Services will be subject to the following:

• The terms or instructions appearing on a screen when using a Service;
• The rules and regulation of any fund transfer system used in connection with a Service; and
• Applicable federal and state laws and regulations, as applicable.

Furthermore, you agree that the terms and conditions contained herein apply to accounts held for consumer or household purposes only. Accounts held for business purposes are subject to the terms and conditions set forth in the Redefining Commercial Banking Services brochure.

SERVICES

CBG offers the Services to you, our customer, to enable you to perform inquiries, transfer funds between your accounts, view transaction activity, access and use bill payment services, place stop payment orders, and communicate electronically with us via a personal computer and the Internet.

You agree that the following uses of the Services are strictly prohibited:

1. Unauthorized communications of any transaction, charge, transfer, or credit-card information belonging to any other person or entity;
2. Unauthorized communication of any information concerning any password or other online access number, code, or identification or any other proprietary information belonging to any other person or entity (other than a co-owner);
3. Use of the Services to copy or to distribute or transmit copies of copyrighted materials belonging to any other person or entity, including CBG, except to the extent that the owner has provided express written permission to you permitting such activity.
4. Communicating any obscene or defamatory materials or information including but not limited to materials on bulletin boards or in conjunction with electronic mail ("e-mail") to CBG.
5. Use of the Services in violation of any telecommunication, postal, or other federal or local laws or regulations of your country of origin or of the United States or in furtherance or in the commission of any crime or other unlawful or improper purpose.
6. Use of the Services to complete or attempt to complete transactions that involve countries under sanction by the United State Government and Specially Designated Nationals (SDN) or any other conduct that is in violation with the Office of Foreign Asset Control Regulations.

SECURITY & PASSWORD

You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. 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 an Online Lending Customer Care Representative at (888) 880-4048. Online Lending Customer Care Representatives are available Monday- Friday 7:00 am – 6:00 pm (CT) and Saturdays 8:00 am – Noon.

TRANSFER CUTOFF TIME

Subject to the terms of this Agreement, you will generally be able to access your accounts through the Website seven days a week, 24 hours a day. A transfer completed through the Service before the transfer cutoff time on a business day will be posted to your account on that same day. All transfers completed after the transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day. The transfer cutoff time is 6:00 pm (central time). Transfers initiated after 6:00 pm (central time) may not be processed and posted until the following business day.

INTERNET BANKING FEES

You agree to pay fees for the Services in accordance with the CBG Fee Schedule provided to you at the time you opened your account and as updated by us from time to time. We may automatically deduct these fees from your Designated Account (checking account from which bills will be paid) or a related account even if they create an overdraft. CBG reserves the right to modify the fees, service charges, and terms at any time, effective upon 30 days notice to you via postal letter at the last address you have given us, e-mail message, or as posted when accessing the Services, unless an immediate change is necessary to ensure the security of the Services. Use of the Services or attempting to connect to the Services, constitutes your agreement with these fees, service charges, terms, conditions, instructions and any modifications thereof.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

We may disclose information about you, your Designated Account or transactions on your Designated Account as provided in your account terms and conditions and Privacy disclosures. We will disclose information to third parties about your account or the transfers you make: 1) where it is necessary for completing transfers; or 2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or 3) in order to comply with government agency or court orders; or 4) if you give us written permission.

ELECTRONIC MAIL

Because e-mail is not secure, do not disclose information such as your account number(s), credit card number, or social security number in the e-mail communication with the Bank. If you need to discuss more specific information with us, please call a Customer Care Representative at (888) 880-4048 Monday through Friday 7:00 am - 6:00 pm (central time). E-mail can be a useful tool for transmitting information of a general nature; however, e-mail is not a secure means of communication. You should contact us in person or by phone if you need to discuss specific account information. If you do send CBG an e-mail after normal business hours, it will be deemed to have been received on the following business day. CBG will have a reasonable time to act on your e-mail. You should not rely on e-mail if you need to communicate with CBG immediately. For urgent matters such as if you need to cancel a payment that is scheduled to occur or if you need to report the loss or theft of your password, contact the Bank in person or by telephone.

You agree that CBG may respond to you by e-mail with regard to any matter related to the Services. This includes, but is not limited to, responding to a claim of unauthorized electronic funds transfer that you make. Any such e-mail shall be considered received within three (3) calendar days of the date that it was sent by CBG, regardless of whether you sign onto your e-mail service provider within that time frame. You also agree that CBG may send information about other CBG products and services to you by e-mail.

LIABILITY

You also agree to indemnify, hold harmless, and defend CBG from and against any and all claims, actions, suits, judgments and expenses (including court costs and reasonable fees of attorneys, accountants and expert witnesses) at your sole expense, arising from your failure to abide by these restrictions on use of the Services.

PRIVACY POLICY

CBG is committed to respecting and protecting the privacy of our banking customers. Please refer to the CBG Privacy Policy by visiting http://tools_and_resources/privacy_policy.php.

CHANGE OF MAILING OR E-MAIL ADDRESSES

In order to properly provide disclosure of important information, you hereby agree to promptly notify CBG of any change of your mailing address and e-mail address. You may stop by any CBG office to complete a change of address form, or mail your address change information to us at:

CBG, NA

Customer Care
6175 Merle Hay Road
P.O. Box 308
Johnston, IA 50131

You may change your primary e-mail address by selecting Account Services when you are logged in Internet Banking, or notify us and we will prompt Internet Banking to ask you for you new email address the next time you log in.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS

If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

ERRORS RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, telephone us at (888) 880-4048 OR write us at Redefining Simple., Ankeny, Iowa 50021, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the 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.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will 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 it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

TERMINATION OR DISCONTINUATION

In the event you wish to discontinue the Services, you must contact us in writing. Written notice of service discontinuance must be supplied ten (10) business days prior to the actual discontinuation date and must be delivered in person at any CBG branch office or mailed to us at:

CBG, NA

Customer Care
6175 Merle Hay Road
P.O. Box 308
Johnston, IA 50131

If the Services are not used at least one time during the first 180 days, CBG may terminate your Internet Banking access and delete your user information and bill payment database, or charge an inactivity fee. Upon termination you will be responsible for making arrangements to pay any future or recurring payments. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

We also reserve the right to refuse to pay a payee if your Designated Account has insufficient funds, a payee refuses to accept a payment, you attempt to make tax or court-directed payments or for other good cause. Additionally, if we refuse to pay a payee due to insufficient funds in your Designated Account, we may charge a fee for returning the item.

Please be aware that requests for the cancellation of the Service can take up to ten (10) days to process. You should cancel all outstanding payments or transfer orders in addition to notifying us of your desire to terminate the Services. We will not be liable for payments or transfers not canceled or payments or transfers made due to the lack of proper notification by you of the Service termination or discontinuation for any reason.

GOVERNING LAW

This Agreement, terms and conditions and the Services are governed by the laws of the State of Iowa and applicable federal law, without regard to any different state, and its laws, from which you may access your account from time to time.

Electronic Disclosure and Consent

To the extent allowed by law, you agree that any communication from us to you, including but not limited to, disclosures, notices, agreements, confirmations, account statements, or other information required to be delivered in writing under applicable law, may be delivered to you by electronic delivery, and that such electronic delivery shall be in lieu of written communication.

By accepting this Agreement and enrolling in Internet Banking Services, you have demonstrated your ability to access and retain the disclosures provided to you and have consented to receiving these and any future disclosures electronically. You are deemed to have received communications provided to you by e-mail when they are made available to you at your e-mail address of record. You must immediately notify us of any change in your e-mail address.

You can download transaction information from your statement to a spreadsheet, using Comma Separated file (.CSV), lotus, excel, Quattro Pro, Quicken Internet Exchange (.QIF), Quicken Open Financial Exchange (.OFX), and Microsoft Money. Quicken and Quick Books must use version 2003 and older.

It is recommended that you retain a paper copy or electronic copy of this Agreement and any other disclosures for your records. To retain an electronic copy of any communication, highlight the text of the communication and use your copy command. Then open an application such as Word or Notepad, use the paste command to paste the text of the Agreement into the application, and then save the communication to a file of your choice.

If you request account records and we are able to provide them, there may be fees as stated in the CBG Fee Schedule provided to you when you opened your account. You have a right to withdraw your request to receive electronic communication. To withdraw your consent or to request paper copies, you must do so in writing.

CBG, NA

Customer Care
6175 Merle Hay Road
P.O. Box 308
Johnston, IA 50131

To change your electronic contact information, select Account Services after logging in to Internet Banking, or notify us at any CBG branch office and we will prompt Internet Banking to ask you for you new email address the next time you log in.

By checking "I Accept", I agree I have the hardware and software listed above to be able to receive and retain the described disclosures electronically, and I agree with the terms and conditions contained in this Agreement.