Login to Online Banking

INTERNET BANKING AGREEMENT

The following Agreements set forth the terms and agreements between City National Bank of West Virginia and its customers for Internet Banking. All customers are deemed to have read, understood, and agreed to each specific agreement upon requesting and obtaining the service. Each service is different and the existence of a term in one agreement does not constitute the existence of that term in any other agreement unless specifically stated.

There may be additional Online Services that are not specifically described in this Agreement and we reserve the right to add or eliminate Online Services. The availability of select Online Services may be limited by your access method or access device.

This Agreement is revised periodically and it may include changes from earlier versions. By accessing your account and engaging in Online Services, you agree to the most recent version of this Agreement, which is always available to you online. You may withdraw your consent at any time by calling or writing us at the telephone number or address listed at the end of this disclosure.

This Agreement contains terms and conditions that apply to your use of various Online Services and is in addition to other agreements and disclosures that apply to your account(s). For example, when you access your deposit account online, the terms and conditions of your deposit account agreement do not change and continue to apply.

For the purpose of this Agreement, the words "we," "us," "our," or "City National Bank" mean City National Bank of West Virginia. The words "you" or "your" mean each person who is authorized to access City National Bank account information via the Internet.

CELLULAR PHONE CONTACT POLICY

By providing us with a telephone number for a mobile device, including a number that you later convert to a mobile device number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your mobile services provider.

You have the ability to update your contact information and manage your communication preferences at any time by visiting us at a branch, logging in to your account online, or by calling us at the telephone number listed at the end of this Agreement.

SECURITY AND RESPONSIBILITY OF USER ID AND PASSWORD

You are solely responsible for the security of your User ID and Password. Anyone who has your User ID and Password will be able to access your account information. Because we are unable to identify the person actually using your User ID and Password, we will not be held liable for any harm that may occur from the unauthorized access of your account information. If you become aware of any unauthorized use of your User ID and Password, you must notify us immediately. Upon notice from you we will take reasonable steps to protect your account information, including but not limited to voiding your existing User ID and Password and issuing you a new User ID and Password.

JOINT ACCOUNTS

If your account is held jointly with other persons, each of you will have the same right to transfer funds. Accordingly, each of you are jointly and severally liable under this Agreement. We will not be held liable to you for allowing anyone who is a holder of a joint account to transfer funds, or for any disputes that may arise between the parties of a joint account concerning access through the "Funds Transfer” function.

COMMUNICATION BETWEEN YOU AND CITY NATIONAL BANK "NOTICE"

Notices from you to us can be made by phone, mail, or electronic mail and will be effective only after you receive written confirmation. Any notice made by you by phone must be followed by a written notice in order to be effective. Separate instructions for contacting us concerning your "Funds Transfer” function will be provided to you and those instructions are part of this Agreement. All notices required to be sent to you concerning any "Internet Banking Service," will be made by electronic mail or through our "Internet Banking Service." All notices provided to you will be effective when we make such notices to your last known electronic mail address or through our "Internet Banking Service." Notice to one joint account holder will be effective to all holders of the account.

DURABILITY OF HARDWARE AND SOFTWARE

Due to probable advances in technology, we may upgrade any or all of our "Internet Banking Services" at any time. You understand and agree that if in the event we upgrade our "Internet Banking Services" with respect to its technological capabilities, in a manner that renders the computer hardware or the software you use to access our "Internet Banking Services" obsolete, we will not be responsible for maintaining or providing compatible Internet service to you.

VIRUSES

In order to protect your computer you should utilize any and all anti-virus capabilities available to you. Because you will access our "Internet Banking Service" through the Internet, we cannot reasonably detect viruses you may encounter. Accordingly, you agree that we will not be responsible for any electronic virus or other harmful component you may encounter using our "Internet Banking Service." We encourage you to routinely scan your computer hard drive and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your programs, files and even your hardware.

TERMINATION

This Agreement along with any service provided hereunder may be terminated by you or us at any time with or without cause. You agree that you will adhere to the terms and conditions of this and related agreements. We agree that we will not terminate this Agreement and the service and any service provided hereunder on any discriminatory basis.

LIMITATION OF LIABILITY

You agree that City National Bank, City Holding Company nor any of our officers, directors, employees or agents, nor any of its subsidiaries or affiliates (collectively, "City National Bank") nor any third party service providers engaged by City National Bank to perform any of the services connected with City National Bank "Internet Banking Services" will be responsible for any damages, loss, property damage or bodily injury, incurred as a result of your using or attempting to use the City National Bank "Internet Banking Service," whether caused by the equipment, software, Internet browser providers, Internet access providers or on-line service providers or an agent or subcontractor of any of the foregoing. Nor will City National Bank or any third party service providers engaged by City National Bank be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way as a result of the use of City National Bank Online Service or Internet browser or access software, or for any errors in information provided through that service, or arising out of the use, misuse or inability to use the Services, or for any loss of any data, even if we have been informed of the possibility of such damages. We make no warranty to you regarding your equipment or any software including any warranty of merchantability or fitness of any "Internet Banking Services" for any particular purpose.

ARBITRATION

You agree that any dispute regarding this Agreement or any dispute arising from the use of City National Bank Online Services will be resolved in Charleston, West Virginia, and in accordance with the then existing rules of the Commercial Financial Disputes Arbitration Rules of the American Arbitration Association (AAA) and Title 9 of the US Code as the exclusive remedy for such dispute and instead of any court or administrative action, which is expressly waived. The parties acknowledge that they have knowingly and voluntarily agreed to this arbitration provision and fully understand that it is comprehensive and covers any and all disputes between the parties including, but not limited to, any claims based on alleged violations of this Agreement, any covenant of good faith and fair dealing, express or implied, any violation of State or Federal law, any alleged violation of public policy, negligence or other cause of action whatsoever.

APPLICABLE LAW AND SEVERABILITY

You agree that this Agreement and all related agreements will be interpreted under West Virginia and Federal law exclusively regardless of where you live, work, or access your account.

NO SIGNATURE REQUIRED

You agree that no signature is required to make this Agreement enforceable. Because you are required to read, understand, assent to and inquire about any terms or conditions that are unclear to you prior to applying for any City National Bank Internet Banking Service, this Agreement will become fully effective and enforceable when you receive and then use your User ID and Password. You further agree to be bound by this Agreement when you access your City National Bank account information via the Internet.

"BALANCE AND TRANSACTION HISTORY INQUIRY" AGREEMENT

This Agreement states the terms and conditions that apply when you utilize the Internet to access account balance, transaction history, or account transfer history information on your City National Bank checking or savings accounts. The terms stated are in addition to any other agreement you may have with City National Bank including all agreements for online and conventional banking services.

ACTIVATION AND DESCRIPTION OF SERVICE

The "Balance and Transaction History Inquiry" function allows you to utilize our web page for the purpose of accessing account balance, transaction history, or account transfer history concerning your checking or savings account. We may provide inquiry service on other accounts in the future. In order to activate this service you must apply by filling out an online application or contact a City National Bank branch. Once access is granted a letter will be issued to you containing your User Identification Number (User ID) and temporary Password information; as well as instructions for use.

FEES

There is no fee for utilizing the "Balance and Transaction History Inquiry” functionfor viewing balance and transaction history information on your checking, savings and other accounts or savings accounts. We reserve the right to charge fees for other services related to online banking

AVAILABILITY AND ACCURACY OF ACCOUNT INFORMATION

The "Balance and Transaction History Inquiry” function will allow you to access all information concerning your checking or savings account balances or transaction history since the last date of your account statement. This time period for availability applies only to the "Balance and Transaction History Inquiry” function.

The information you access concerning your accounts through our online services may not reflect transactions that have not been posted. Although our online services are generally available 24 hours a day, 7 days a week, we only process transactions and update information on business days, which are Monday through Friday excluding holidays.

"FUNDS TRANSFER" AGREEMENT

This Agreement states the terms and conditions that apply when you utilize the Internet to transfer funds between your City National Bank checking or savings accounts. The terms stated are in addition to any other agreement you may have with City National Bank including all agreements for online and conventional banking services. For the purpose of this Agreement, the words "we," "us," "our," or "City National Bank" mean City National Bank of West Virginia. The words "you" or "your" mean each person who is authorized to access City National Bank account information via the Internet.

ACTIVATION AND DESCRIPTION OF SERVICE

The "Funds Transfer" function allows you to utilize our web page for the purpose of transferring funds between your checking, savings and other accounts and savings accounts. We may provide "Funds Transfer" function on other accounts in the future. In order to activate this service you must contact a City National Bank branch or apply by filling out an online application. Upon approval of your application you will receive a User Identification Number (User ID) and a Password. Separate instructions concerning how to use your User ID and Password will be provided to you.

FEES

There is no fee for utilizing the "Funds Transfer" function. We reserve the right to charge fees for other services related to online banking.

AVAILABILITY AND ACCURACY OF ACCOUNT INFORMATION

The "Funds Transfer” function will allow you to transfer funds between your checking, savings and other accounts. There is no limit on the amount of funds you can transfer between accounts except for the then current availability of funds on any particular account. Regulation D requirements limit the number of transfers you can make from your Regular Savings or Money Market account to 6 per month. This includes withdrawals made by check or draft to third parties; debit or ATM card point-of-sale (POS) purchases; and pre-authorized withdrawals such as automatic transfers for overdraft protection and transfers made by telephone, online, through a mobile device, bill pay, wire and facsimile. Withdrawals and transfers made in person or at an ATM are not included in the limit of six per account cycle.

The information you access concerning your accounts through our online services may not reflect transactions that have not been posted. Although our online services are generally available 24 hours a day, 7 days a week, we only process transactions and update information on business days, which are Monday through Friday excluding holidays. Thus, any transfer you perform will not be effective until we process the transaction on the next business day.

“ELECTRONIC STATEMENT SERVICE” AGREEMENT

This agreement is made between you and City National Bank and provides your request and consent to receive statements and notices for your City National account(s) by electronic delivery. These electronic statements and notices are called "eDocs". Included in the items that you will receive electronically are your monthly statements and notices including, but not limited to: certificate of deposit interest credits and renewal notices; renewal rate change notices; etc. Although you are opting out from receiving your statement(s)/notice(s) by U.S. mail, you have the option to receive a paper statement, at any time, by contacting your local branch.

FEES

There is currently no service charge or fees associated with the use of eDocs. However, you agree that City National Bank has the right to institute or change the fee for eDocs upon thirty days prior written notice to you. In addition, City National Bank has the right to amend these terms and conditions from time to time providing you with written notice of the amended terms and conditions.

You agree to waive and release any claims against City National Bank arising out of or that may in any way be related to the use of eDocs, except for those claims resulting solely from the negligent acts or omissions of the Bank. You agree that you are solely responsible for any loss due to use of eDocs by you, any authorized user, or any unauthorized user or recipient who gains access to eDocs through your computer or information obtained directly or indirectly from you.

You must be a City National Online Banking user to enroll for eDocs and have at least one City National Bank deposit or loan account. Adobe Acrobat Reader® version 6.0 or higher is required to open and view your statement(s)/notice(s). To download the latest version of Adobe Acrobat Reader®, click here. We also recommend that you use the latest browser version available that supports 128 bit SSL Encryption.

*Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ACROBAT READER.

You will need email access with at least 1MB of free space to receive your eDocs notifications, which will inform you that your statement is available to view. Your notifications will be sent to the email address that’s on file with Online Banking. It is your responsibility to keep your email address updated on Online Banking. You may change your email address under the eDocs tab or the Options tab within your online banking account. You may also contact your local branch to request any customer information change.

Statement(s)/notice(s) are sent as a "shell" .pdf without customer data. Once the user logs into eDocs, the ID and Password are authenticated and the data fills the PDF document. The data included in the statement(s)/notice(s) is streamed via a secure 128-bit SSL encryption.

Your Online Banking ID and Password are your keys to eDocs. It takes both identification keys to gain access. No one representing City National Bank will ask for your Password. You should never give your Password to anyone who asks for it in an email or by phone or anyone else who you do not want to have access to your account.

Statement(s)/Notice(s) can be printed or saved to a file on your computer for easy storage. The past eighteen months’ statement(s)/notice(s) will be available on Online Banking for your convenience.

You have the option to receive check images with your electronic statement. To request a change to your images, contact your local branch.

You have the right to terminate eDocs at any time by logging into Online Banking and changing your eDocs settings from the Document Settings tab. City National Bank has the right to terminate its obligation to provide electronic statement(s)/notice(s) services to you upon thirty days prior written notice.

“BILL PAY” AGREEMENT

You may use City National Bank’s bill paying service to direct City National Bank to make payments from your designated checking account to the “Payees” you choose in accordance with this agreement. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.

INSTRUCTIONS FOR SETTING UP PAYEES AND PAYMENTS
Payees: If you want to add a new “Payee,” first select the “Payee” tab located in the bill pay or speak to a service representative.

a. The Financial Institution reserves the right to refuse the designation of a “Payee” for any reason.

Payments: You may add a new payment to a “Payee” by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the service.

b. You may pay any “Payee” with-in the United States (including U.S. territories and APO’s / AEO’s).
c. The Financial Institution is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information.

BILL PAY PROCESS

A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by the Financial Institution, is currently 2:00 PM.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date.

When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment. If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

a. If the recurring payment’s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.

b. If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

SINGLE AND RECURRING PAYMENTS

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”.

CANCELING A PAYMENT

A bill payment can be changed or cancelled any time prior to the cutoff time on the scheduled processing date.

LIMITATIONS

a. Consumer

o Bill Payment Transaction Limit: $20,000 Per item

o Person to person email payments: $1,000 Per item/per day

o Payments made using City National Bank’s mobile app: $10,000 Per item

b. Business

o Bill Payment Transaction Limit: $20,000 Per item/Per day

o Person to person email payments: $1,000 Per item/per day

SERVICE FEES

a. A $1.99 Service Fee will be assessed when initiating charitable donations

b. A $2.99 Service Fee will be assessed when initiating gift checks

c. Expedited delivery costs:

o Business Day ($19.95, sent by check via UPS)

o Second Day Standard ($14.95, sent by check via UPS)

o Second Day Economy ($4.95 sent electronically)

d. Commercial customers who utilize the electronic bill pay invoicing function for 15 invoices, will be assessed a $7.95 fee per business user per month.

e. Commercial customers who utilize the electronic bill payment business basic and payroll option (includes 10 transactions), will be assess a $5.95 fee per business user per month.

f. Commercial customers will be assessed a $.45 electronic bill payment business fee, per transaction.

We reserve the right to charge fees for other services related to online bill payment.

LIMITATION OF LIABILITY

a. You are solely responsible for controlling the safekeeping of and access to your Personal Identification Number (PIN).

b. If you want to terminate another person's authority to use the Bill Pay service, you must notify the Financial Institution and arrange to change your PIN.

c. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment.

d. The Financial Institution is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment.

e. The Financial Institution is not liable for any failure to make a bill payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a “Payee” for a bill payment.

f. The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed the Financial Institution's agent.

AMENDMENT

The Financial Institution has the right to change this agreement at any time by notice mailed to you at the last address shown for the account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law.

TERMINATION

a. The Financial Institution has the right to terminate this agreement at any time.

b. You may terminate this agreement by written notice to the Financial Institution.

c. The Financial Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice.

d. You remain obligated for any payments made by the Financial Institution on your behalf.

“MOBILE BANKING” AGREEMENT

City National Bank (“We” or “Us”) endeavors to provide you with the highest quality Mobile Internet banking available. This Agreement states our obligations with respect to our Mobile Internet banking service (the “Service”).

SERVICE AND AVAILABILITY

We will use reasonable efforts to make the Service available for your use on a continuous basis. The Service may be unavailable for short periods of time for regular or emergency system maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours. In addition, accessibility to the Service may be interrupted because of conditions beyond our control, including outages in internet availability. We will use diligent efforts to re-establish the Services as promptly as possible. We do not promise the Service will always be available for your use. We may elect to discontinue this Service at any time. If we choose to discontinue the Service, We will provide you with reasonable notice in advance of that fact.

ACCESS

You are responsible for providing your own hardware and software to access the Service. The hardware and software that you use may be subject to unauthorized tracking or other manipulation by “spyware” or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. 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.

SECURITY

We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by applicable law. Further, we reserve the right at all times to take actions to protect our systems and information, including denial of access to users of the Service.

DEPOSIT AGREEMENT

The accounts that you access using the Service are subject to the terms and conditions of the deposit agreement for those accounts and the terms and conditions for internet banking.

VIRUSES

In order to protect your computer you should utilize any and all anti-virus capabilities available to you. Because you may access our Mobile Internet banking through the Internet, we cannot reasonably detect viruses you may encounter. Accordingly, you agree that we will not be responsible for any electronic virus or other harmful component you may encounter using our Mobile Internet banking. We encourage you to routinely scan your computer hard drive and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your programs, files and even your hardware.

TERMINATION

This Agreement along with any service provided hereunder may be terminated by you or us at any time with or without cause. You agree that you will adhere to the terms and conditions of this and related agreements. We agree that we will not terminate this Agreement and the service and any service provided hereunder on any discriminatory basis.

LIMITATION OF LIABILITY

You agree that City National Bank, City Holding Company nor any of our officers, directors, employees or agents, nor any of its subsidiaries or affiliates (collectively, "City National Bank") nor any third party service providers engaged by City National Bank to perform any of the services connected with City National Bank Mobile Internet banking service will be responsible for any damages, loss, property damage or bodily injury, incurred as a result of your using or attempting to use the City National Bank Mobile Internet banking service, whether caused by the equipment, software, Internet browser providers, Internet access providers or on-line service providers or an agent or subcontractor of any of the foregoing. Nor will City National Bank or any third party service providers engaged by City National Bank be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way as a result of the use of City National Bank Online Service or Internet browser or access software, or for any errors in information provided through that service, or arising out of the use, misuse or inability to use the Services, or for any loss of any data, even if we have been informed of the possibility of such damages. We make no warranty to you regarding your equipment or any software including any warranty of merchantability or fitness of any Mobile Internet banking service for any particular purpose.

ARBITRATION

You agree that any dispute regarding this Agreement or any dispute arising from the use of City National Bank Online Services will be resolved in Charleston, West Virginia, and in accordance with the then existing rules of the Commercial Financial Disputes Arbitration Rules of the American Arbitration Association (AAA) and Title 9 of the US Code as the exclusive remedy for such dispute and instead of any court or administrative action, which is expressly waived. The parties acknowledge that they have knowingly and voluntarily agreed to this arbitration provision and fully understand that it is comprehensive and covers any and all disputes between the parties including, but not limited to, any claims based on alleged violations of this Agreement, any covenant of good faith and fair dealing, express or implied, any violation of State or Federal law, any alleged violation of public policy, negligence or other cause of action whatsoever.

APPLICABLE LAW AND SEVERABILITY

You agree that this Agreement and all related agreements will be interpreted under West Virginia and Federal law exclusively regardless of where you live, work, or access your account.

NO SIGNATURE REQUIRED

You agree that no signature is required to make this Agreement enforceable. Because you are required to read, understand, assent to and inquire about any terms or conditions that are unclear to you prior to applying for any City National Bank Mobile Internet banking service, this Agreement will become fully effective and enforceable when you receive and then use your User ID and Password. You further agree to be bound by this Agreement when you access your City National Bank account information via the Internet.

“MOBILE DEPOSIT” AGREEMENT

This Mobile Deposit User Agreement ("Agreement") contains the terms and conditions for the use of City National Bank Mobile Deposit that City National Bank or its affiliates ("City", "us," or "we") may provide to you ("you," or "User"). Other agreements you have entered into with City as applicable to your City account(s), are incorporated by reference and made a part of this Agreement.

SERVICES

The mobile remote deposit capture services ("Services") are designed to allow you to make deposits to your checking, savings, or money market savings accounts from home or other remote locations by scanning checks and delivering the images and associated deposit information to City or City’s designated processor.

ACCEPTANCE OF THESE TERMS

Your use of the Services constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change via e-mail, text message, or on our website(s) by providing a link to the revised Agreement or by an online secure message. You will be prompted to accept or reject any material change to this Agreement the next time you use the Service after City has made the change. Your acceptance of the revised terms and conditions along with the continued use of the Services will indicate your consent to be bound by the revised Agreement. Further, City reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.

LIMITATIONS OF THESE SERVICES

When using the Services, you may experience technical or other difficulties. We will attempt to post alerts on our website to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

HARDWARE AND SOFTWARE

In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by City from time to time. See https://www.bankatcity.com/Mobile_Banking for current hardware and software specifications. City is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

FEES

A fee is not currently charged for the service. City may change the fees for use of the Service at any time pursuant to the section titled "Acceptance of these Terms" above. You are responsible for paying the fees for the use of the Service. You authorize City to deduct any such fees from any City account in your name.

ELIGIBLE ITEMS

You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to City is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

a.Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into

b.Checks containing an alteration on the front of the check or item, 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 is drawn

c.Checks payable jointly, unless deposited into an account in the name of all payees.

d.Checks previously converted to a substitute check, as defined in Reg. CC.

e.Checks drawn on a financial institution located outside the United States.

f.Checks that are remotely created checks, as defined in Reg. CC.

g.Checks not payable in United States currency.

h.Checks dated more than 6 months prior to the date of deposit.

i. Checks or items prohibited by City’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your City account.

j.Checks payable on sight or payable through Drafts, as defined in Reg. CC.

k.checks with any endorsement on the back other than that specified in this agreement.

l.Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.

m.Checks or items that are drawn or otherwise issued by the U.S. Treasury Department

n.Checks written from any account that customer owns or is a signer on

ENDORSEMENTS AND PROCEDURES

You agree to restrictively endorse any item transmitted through the Services as "For mobile deposit only, account #______" or as otherwise instructed by City. You agree to follow any and all other procedures and instructions for use of the Services as City may establish from time to time.

RECEIPT OF ITEMS

We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive an email confirmation from City that the check has been approved for processing. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

AVAILABILITY OF FUNDS

You agree that items transmitted using the Services are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through the Service is received and accepted before 8:00 p.m. Eastern Time on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using the Services will generally be made available on the second business day from the day of deposit.

DISPOSAL OF TRANSMITTED ITEMS

Upon your receipt of a confirmation from City that your check has been approved for processing, You agree to retain the check for at least 30 calendar days from the date of the image transmission. After 30 days, you agree to destroy the check that you transmitted as an image, mark it "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to promptly provide it to City upon request.

DEPOSIT LIMITS

We may establish limits on the dollar amount and/or number of items or deposits from time to time. 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 a deposit at other times. The current daily dollar limit is $2,500.00 per business day. In addition, the current monthly dollar limit is $10,000.00 per calendar month. There is a daily limit of five items per business day, and twenty-five items per calendar month. Daily and monthly deposit limits may vary for users of other services.

PRESENTMENT

The manner in which the items are cleared, presented for payment, and collected shall be in City’s sole discretion subject to the Terms and Conditions governing your account.

ERRORS

You agree to notify City of any suspected errors regarding items deposited through the Services right away, and in no event later than 30 days after the applicable City account statement is sent. Unless you notify City within 30 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against City for such alleged error.

ERRORS IN TRANSMISSION

By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. City bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.

IMAGE QUALITY

The image of an item transmitted to City using the Services must be legible, as determined in the sole discretion of City. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by City, ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

USER WARRANTIES AND IDEMNIFICATION

You warrant to City that:

a. You will only transmit eligible items.

b. You will not transmit duplicate items, meaning you will not deposit the same check/item twice using City’s mobile deposit service.

c. You will not re-deposit or re-present the original item meaning you will not present an item previously negotiated using City’s mobile deposit service for cash or deposit at another financial institution or City National Bank.

d. All information you provide to City is accurate and true.

e. You will comply with this Agreement and all applicable rules, laws and regulations.

f. You are not aware of any factor which may impair the collectability of the item.

You agree to indemnify and hold harmless City from any loss for breach of this warranty provision.

COOPERATION WITH INVESTIGATIONS

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

TERMINATION

We may terminate this Agreement at any time and for any reason. This Agreement shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use the Services for any unauthorized or illegal purposes or you use the Services in a manner inconsistent with the terms and conditions of your account(s), or any other agreement with us.

ENFORCEABILITY.

We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

OWNERSHIP AND LICENSE

You agree that City retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to City’s business interest, or (iii) to City’s actual or potential economic disadvantage in any aspect. You may use the Services only for non-business, personal use in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.

DISCLAIMER OF WARRANTIES

YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.

LIMITATION OF LIABILITY

YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF CITY HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

“CARD MANAGEMENT APPLICATION” AGREEMENT

The Card Management Application services ("Services") are designed to allow you to temporarily suspend a debit card as well as report a card as lost/stolen. The terms and conditions of this agreement are in addition to the account agreements, disclosures and other documents in effect from time to time governing your account.

CARD MANAGEMENT PROCESS

Within City National Bank’s mobile banking application, access the flyout menu by clicking the three lines in the top left corner. Then select “Preferences” and “Manage Cards”. Once the Manage Cards option is selected, the cards that can be managed with the online banking ID provided will display.

Select the card you would like to manage and the options to “Suspend” the card or “Report” the card as Lost or Stolen will be made available.

If the “Suspend” Card option is chosen, the suspend button will also need to be selected to place a temporary hold on the debit card which will prevent the debit card from being used for transactions as long as the card remains in a Suspended status.

Once a card is suspended, customers have the ability to Activate (un-suspend) the debit card, or “Report” the card as lost or stolen by returning to the Manage Cards screen, selecting the suspended card and the action you would like to take in managing this card. If the “Activate” Card option is chosen, the Active button will also need to be selected to un-suspend the card. If the “Report” Lost or Stolen option is chosen, the Report button will need to be selected to complete the request and report the card as lost or stolen.

Any selection will prompt the display of the appropriate confirmation, such as “Your card has been suspended” or “Your card has been reported as lost/stolen” and a text notification to the customer will be generated.

When reporting a card as Lost or Stolen, there is no option to remove this status from the card within the mobile application. If the Report Card Lost or Stolen option is selected in error, you will need to call your local branch office, the telephone listed below or the Customer Care center at 1-888-816-8064 for assistance.

FEES

A fee is not currently charged for this service. City may change fees for use of this Service at any time. You are responsible for paying the fees for the use of the Service. You authorize City to deduct any such fees from any City account in your name.

ELECTRONIC FUNDS TRANSFERS DISCLOSURE
Your Rights and Responsibilities

The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

TYPE OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS

(a) Prearranged Transfers.

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s)

Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s).

(b) Telephone Transfers. You may access your account(s) by telephone at 1-800-776-0541 using a touch tone phone, your account numbers, and PIN and last 4 digits of SSN to: transfer funds from checking to savings; transfer funds from savings to checking; transfer funds from checking to checking; transfer funds from savings to savings; make payment from checking to loan accounts with us; get checking account(s) information; get savings account(s) information; get loan account(s) information; get CD account information

(c) ATM Transfers. You may access your account(s) by ATM using your debit MasterCard (name per acct) and personal identification number to: make deposits to checking accounts; make deposits to savings accounts; get cash withdrawals from checking accounts you may withdraw no more than 500.00 per day; get cash withdrawals from savings accounts you may withdraw no more than 500.00 per day; transfer funds from savings to checking; transfer funds from checking to savings; transfer funds from checking to checking to savings to savings; get checking account (s) information; get saving(s) account information. There is no charge for ATM withdrawals or deposits at machines owned by us.

(d) Point-of-Sale Transactions. Using your card: you may access your checking account(s) to purchase goods (in person, by phone, by computer), pay for services (in person, by phone, by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything at a participating merchant will accept. You may not exceed more than $2,500.00 in transactions per day. We do not charge for any POS transactions.

(e) Computer Transfers. You may access your account(s) by computer by www.bankatcity.com and using your assigned login and password to: transfer funds from checking to savings; transfer funds from savings to checking; transfer funds from checking to checking; transfer funds from savings to savings; make payments from checking to loan accounts with us; get checking account(s) information; get savings account(s) information; get loan and CD account information; pay bills directly from your account with ONLINE BILL PAY.

(f) Mobile Banking Transfers. You may access your account(s) by web-enabled cell phone by visiting www.bankatcity.com and using your online banking login and password to: Transfer funds from checking to savings; Transfer funds from savings to checking; Transfer funds from checking to checking; Transfer funds from a line of credit to checking or savings; Make payments from checking to loan accounts with us; Get checking account(s) information; Get savings accounts(s) information; Make deposits to your account using City’s MOBILE DEPOSIT services. The current daily dollar limit for items deposited is $2,000 per business day. The current monthly dollar limit is $5,000 per calendar month. There is a daily limit of five items per business day, and twenty-five items per calendar month. Daily and monthly deposit limits may vary for users of other services. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.

(g) Electronic Fund Transfers Initiated by Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transactions (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: Electronic Check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds.

GENERAL LIMITATIONS

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: The following limitations apply to City National Bank’s Bill Pay service: CONSUMER: Transaction Limit $20,000 per item; Person to person $1,000 per item/day; Mobile app payments $10,000 per item; BUSINESS: Transaction Limit $20,000 per item/day; Person to person $1,000 per item/day. See our TIS for each account type specifics. Except as indicated above, we do not charge for Electronic Fund Transfers.

ATM Operator/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

(a) Terminal Transfers. You can get a receipt at the time you make a transfer to or from your account using a(n) automated teller machine; point-ofsale terminal. You may not get a receipt if the amount of the transfer is $15 or less.

(b) Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number listed below to find out whether or not the deposit has been made.

(c) In addition, you will get a monthly account statement from us, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

(a) Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how: call or write us at the telephone number or address listed in this disclosure, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after your call. We charge $34.00 for each stop payment.

(b) Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

(c) Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION’S LIABILITY

(a) 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 your agreement with you, we will be liable for your 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 money in your account to make the transfer; if the transfer would go over the credit limit on your overdraft line; if the automated teller machine where you are making the transfer does not have enough cash; if the terminal or system was not working properly and you knew about the breakdown when you started the transfer; if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. There may be other expectations stated in our agreement with you.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make: (1) where it is necessary for completing transfers; (2) or 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) as explained the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

(a) Consumer Liability. Tell us at once if you believe your debit card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $5000. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from the taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

MasterCard® Debit Card. Additional Limits on Liability for MasterCard POS transactions. You will not be liable for any unauthorized transactions using your MasterCard debit card, when used for point-of-sale transactions, if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor services obtained by the unauthorized use before notification to us. “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by MasterCard. MasterCard is a registered trademark of MasterCard International Incorporated.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed at the end of this disclosure. You should also call the number or write to the address listed at the end of this disclosure if you believe a transfer has been made using the information from your check without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below, 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 (5 business days if involving a Visa® point-of-sale transaction processed by Visa or 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 (5 business days if involving a Visa point-of-sale transaction processed by Visa or 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. An account is considered a new account from 30 days after the first deposit is made, if you are a new customer. We will tell you the results within three business days after completing your investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the document that we used in our investigation.

ADDITIONAL INFORMATION:

International Transaction Fee:

For all transactions outside of the United States, MasterCard assesses a transaction fee equal to 1% of the U.S. Dollar amount of each such Foreign Transaction. If a transaction is made in a foreign currency, MasterCard International (“MasterCard”) will convert the transaction into a U.S. Dollar amount. MasterCard will act in accordance with their operation regulations or conversion procedures in effect at the time the transaction is processed. Currently, their regulations and procedures provide that the currency conversion rate they use is either (1) a wholesale market rate or (2) a government mandate in effect one day prior to the processing date. The currency conversion rate calculated in this manner that is in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

Legend of Acronyms

(PIN) Personal Identification Number
(SSN) Social Security Number
(CD) Certificate of Deposit
(ATM) Automated Teller Machine
(TIS) Truth in Savings disclosure
(POS) Point of Sale
(ACH) Automated Clearing House

INSTITUTION (name, address, telephone number, business days)

BUSINESS DAYS: MONDAY – FRIDAY

City National Bank
3601 MacCorkle Avenue SE
Charleston, WV 25304
304-926-3308