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Please read the following agreement carefully. After you have read this agreement, you may activate e-z BANKING Internet Banking, (hereafter referred to as e-z BANKING) by clicking the I AGREE button below.

Definitions - As used in this Agreement, the words "we," "our," "us" and "Bank" mean Citizens & Northern Corporation, which includes its subsidiary, Citizens & Northern Bank. "You" and "your" refer to the account holder authorized by Bank to use e-z BANKING under this Agreement and anyone else authorized by that account holder to exercise control over the account holder's funds through Bank. "Account" or "accounts" means your accounts at Bank. "Electronic funds transfers" means ATM withdrawals, preauthorized transactions, point of sale transactions, transfers to and from your Bank accounts using e-z BANKING including bill payments. "Bank Services" means the services provided pursuant to this Agreement, including the Bill Payment Service. "Business days" means Monday through Friday. Holidays are not included.

Agreement - This Agreement, which includes the Fee Schedule and Enrollment Form, is a contract which establishes the terms and conditions which govern the following Internet Banking services. These services include but are not limited to the following: view your Bank account balances, view account statements, view Bank account histories, transfer funds between your Bank accounts, make stop payment requests, view checks and deposits, change your address, pay bills from your Bank accounts in the amounts and on the dates you request if you have enrolled in the Bill Payment service, and other electronic banking services presently or

prospectively offered by Bank through e-z BANKING Internet Banking. If you are applying as a Business customer (Cash Manager), you may be eligible for cash management services, subject to existing and required additional agreements. These services include bill payment, direct deposit payroll, collections, EFT Federal tax payments, ACH receipts/debits, ACH payments/credits, wire transfer requests, and file transmission. Each Cash Manager service is provided only with prior Bank approval. All of the above named services, including Cash Management services if applicable, are collectively hereinafter referred to as the "Bank

Services." Additional services and enhancements to existing services may be added from time to time by Bank without notice.

By using e-z BANKING or permitting any other person to use e-z BANKING, you are accepting all the terms and conditions of this Agreement and any instructional material which we provide you regarding Bank Services.

The terms and conditions of this agreement are in addition to those that apply to any accounts you may have with us, any loan or credit agreements with us, or any other services you obtain from us, including but not limited to signature cards, account and deposit agreements and disclosures, fee schedules, and any other agreements with Bank. The terms of these other agreements continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal laws and the laws of the State of

Pennsylvania for Citizens & Northern Bank customers, (except to the extent this Agreement can and does vary such rules or laws). If there is no applicable federal law or regulation, this


Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon you, your heirs and BANK's successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination,

cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Enrollment Form and Fee Schedule, constitutes the entire agreement between you and Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein.

Joint Accounts - The provisions of this agreement apply if any of your accounts with us is a joint account. As a holder of a joint account, you are jointly and severally liable under this agreement. Each of you acting alone, under assigned log in ID and password may perform transactions, pay bills, obtain information, stop or change payments or transfers, terminate this Agreement or otherwise transact business, take actions or perform under this Agreement. We are not required to obtain the consent of or notify the other one of you about the actions of the other. However, each of you will only be permitted to access accounts for which you are an owner or authorized user.

Each of you individually releases us from liability and agrees not to make a claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Bank Services. Each of you agrees to indemnify us and hold us harmless from any and all liability (including, but not limited to, reasonable attorney's fees) arising from any such claims or actions.

Access - To use e-z BANKING, you must have at least one loan or deposit account at BANK, access to Internet service, and an e mail address. Once we have received your signed

Enrollment Form or online enrollment application, and verified your account information, we will send you, either in person, via email or by postal mail, confirmation of our acceptance of your enrollment. e-z BANKING can be used to access only the Bank accounts which have been designated for access by e-z BANKING in your enrollment. You can add or delete any of your Bank accounts from this Agreement by sending your request to the Electronic Banking

Department via the Secure Messaging system. To utilize the Bill Payment Service, you must have a checking account. We undertake no obligation to monitor transactions through e-z BANKING to determine that they are made on behalf of the accountholder.

Balances - Balance and activity information are stated in real-time and reflect your current balance as of the time of the information request.

Hours of Access - You can use e-z BANKING seven days a week, twenty four hours a day, although some or all e-z BANKING services may not be available occasionally due to

emergency or scheduled system maintenance. We agree to post, if possible, notice of any extended periods of non availability on the e-z BANKING website.


your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to e-z BANKING will be revoked. To re establish your

authorization to use e-z BANKING, you must contact us to have your password reset or to obtain a new temporary password. Upon three unsuccessful attempts to use your password, your e-z BANKING account will be placed on a 24 hour lockout. You may wait 24 hours and attempt to re-login or you may contact us to have your password reset.

We recommend that you create a password that utilizes both upper and lower case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.

Security - You understand the importance of your role in preventing misuse of your accounts through e-z BANKING and you agree to promptly examine your paper statement for each of your Bank accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification

information by itself, or together with information related to your account, may allow unauthorized access to your account. Your password and login ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via e-z BANKING is encrypted in an effort to provide transmission security and e-z BANKING utilizes identification technology to verify that the sender and receiver of e-z BANKING transmissions can be appropriately identified by each other. Notwithstanding, our efforts to insure that the e-z BANKING system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and could possibly be monitored and read by others. We cannot and do not warrant that all data transfers utilizing e-z BANKING, or e mail transmitted to and from us, will not be monitored or read by others.

Fees and Charges - You agree to pay the fees and charges for your use of Bank Services as set forth in the current fee schedule. Business customers agree that all such fees and charges will be deducted from the Bank Account designated as the Billing Account on the enrollment form. If you close the billing account you must contact us immediately to designate another account as the billing account. You agree to pay any additional reasonable charges for services you request that are not covered by this Agreement. You are also responsible for any

telephone, cable, satellite and Internet service fees you incur in connection with your use of e-z BANKING.


Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If your account has insufficient funds to perform all electronic fund transfers you have requested for a given business day, then:

1. Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority;

2. Electronic fund transfers initiated through e-z BANKING which would result in an overdraft of your account may, at our discretion, be cancelled;

3. In the event the electronic fund transfers initiated through e-z BANKING which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account.

Limits on Amounts and Frequency of e-z BANKING Transactions - The number of transfers from Bank accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

e-z BANKING Bill Payment Service - You must designate the Bank account from which the payments are to be made; the complete name of the payee, your account number with the payee, (if applicable), and the payee's remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment; and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day, your account will be debited the next business day. By using the e-z

BANKING Bill Payment Service option, you agree that, based upon instructions received under your password, we can charge your designated account by electronic transfer, "no signature required draft," or by debiting and remitting funds on your behalf. You also agree that your e-z BANKING bill payments will be charged to the checking account designated by you. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you promptly. The bank reserves the right to terminate or deny bill payment service.


How to Cancel a Bill Payment - Bill Payments can be cancelled up to the point they are sent to the biller for payment. To cancel a bill payment that you have scheduled through e-z BANKING, you must cancel the payment online via e-z BANKING by following the onscreen instructions. If a payment was remitted via paper check, and the check has not cleared your account, you may initiate a Stop Payment request. Standard Stop Payment fees will apply.


To be effective, this type of stop payment request must precisely identify the name of the payee, the check number, the amount, and the date of the check. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account. If Bank receives a Stop Payment order from you three or more business days before the transfer is scheduled, and Bank does not do so, Bank will be liable for losses and/or damages.

Disclosure of Account Information and Transfers - You understand information about your accounts or the transfers you make may automatically be disclosed to others. This may occur if Bank is required to comply with government agency or court orders. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions, must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written or other service agencies such as check reporting services. In addition, we

routinely inform credit bureaus about your credit experience with us. We may also seek

information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to e-z BANKING. You agree and hereby authorize all of these transfers of information. We may also release

information to other parties if you give us written permission to do so.

Periodic Statements - You will not receive a separate e-z BANKING statement. Transfers to and from your accounts using e-z BANKING will appear on the respective periodic paper statements for your Bank accounts. Periodic statements will be sent to you for each monthly cycle in which an electronic fund transfer has occurred, or quarterly if no such activity is present. If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

Change in Terms - We may change any term of this Agreement at any time. We may do so by notifying you by posting a notice at this electronic site or by mail or delivery of a written notice of such amendments or changes. If the change would result in increased fees for any e-z

BANKING service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on BANK's website or forward it to you by e mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Bank Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures and agree to accept notification of any and all changes to these accounts by e mail.


1. Tell us your name and account number.

2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information.

3. Tell us the dollar amount of the suspected error.

4. If the suspected error relates to a bill payment made via the e-z BANKING Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, tax identification number, and the payee account number for the payment in question. (This information appears on the Bill Payment View Posting Screen.)

If you contact us by telephone or by e mail, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within 10 business days.

We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days 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 in the form of a paper writing within 10 business days, we may not provisionally credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account.

Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will NOT be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make a transfer.

2. If a legal order directs us to prohibit withdrawals from the account. 3. If your account is closed, or if it has been frozen.

4. If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts, or exceed the balance in your savings account that has been linked to your checking account for overdraft protection.

5. If you, or anyone authorized by you, commits any fraud or violates any law or regulation. 6. If any electronic terminal, telecommunication device, or any part of the e-z BANKING

electronic fund transfer system is not working properly and you knew about the problem when you started the transfer.

7. If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee assigned account number, payment date, and payment amount for the payee on a bill payment. 8. If you have not properly followed the on screen instructions for using e-z BANKING. 9. If circumstances beyond our control (such as fire, flood, interruption in telephone service


10. If you pay a bill too late to arrive at the Payee's place of business on a timely basis. Your Liability for Unauthorized Transfers - CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. HOW TO CONTACT US - telephone 1 (877)-838-2517, email contactcn@cnbankpa.com, postal mail Citizens & Northern Bank, Attn: Electronic Banking Department, 90 92 Mail Street, PO Box 58, Wellsboro, Pennsylvania, 16901 or in person at one of our locations. An immediate

telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any). If you contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, you can lose no more than $50 if someone used your password without your permission.

If you do NOT contact us within 2 business days after you learn of the loss, theft, compromise, or unauthorized use of your password, and we can prove we could have stopped someone from using your password to access your accounts without your permission if you had told us, you could lose as much as $500.

Also, if your paper statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper statement was mailed to you, you may not get back any money you lost through transactions made after the 60 day time period if we can 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 long trip or hospital stay) kept you from contacting us, we may extend the time periods.

Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Bank Services provided to you under this Agreement. We do not and cannot warrant that e-z BANKING will operate without errors or that any or all Bank

Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential

damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to e-z BANKING, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty.

Further, in no event shall the liability of Bank and its affiliates exceed the amounts paid by you for the services provided to you through e-z BANKING.

When using e-z BANKING to pay bills, you agree that the BANK, without prior notice to you, may debit any payment account(s) to pay checks that you have not signed by hand or by legally acceptable form of electronic signature (e.g., digital signature). When using e-z BANKING to make transfers from credit accounts, you agree that BANK, without prior notice to you, may take any action required to obtain cash advances on your behalf, including charging any credit account at Bank without your handwritten or legally acceptable electronic signature.


illegal purposes, for transmission of threatening, obscene, or harassing materials, or to interfere with or disrupt other users, services or equipment. Disruptions include, but are not limited to, distributing chain letters or mass mailings of unsolicited e mail ("spamming"), propagating computer worms and viruses, or using the services and the Internet to make unauthorized entry to any other machine. Violation of the foregoing may result in termination of access rights to the offending party or parties. We do not warrant that our services, the Internet or our suppliers will be available on a specified date or time or that our services and the Internet will have the capacity to meet your demand during specific hours. Neither Bank nor its suppliers will be liable for any damage that you may suffer arising out of use, or inability to use, the services or

products provided hereunder. Neither Bank nor its suppliers will be liable for unauthorized access to BANK's transmission facilities or premise equipment or for unauthorized access to or alteration, theft or destruction of your data files, programs, procedures or information through accident, fraudulent means or devices, or any other method, regardless of whether such damage occur as a result of Bank or its suppliers negligence.

In no event will Bank or its suppliers be liable for any other damages, including but not limited to loss of data, loss of revenue or profits, or for any other special, incidental, indirect or

consequential damages, arising out of or in connection with the use of the services or the Internet. Access to the services and the Internet cannot be guaranteed. You may be unable to access any Internet Service Provider or the Internet at any given time, and disconnections may occur from time to time. During your e-z BANKING on line session, you will be automatically disconnected following twenty (20) minutes of inactivity. (You may then sign on again, if desired.)

Third Party Software; Virus Protection - The Bank makes no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with e-z BANKING (e.g. Quicken, Microsoft Money). The Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage you to routinely scan your computer, diskettes, and software using a reliable virus product to detect and remove any viruses found. Undetected or unrepaired viruses may alter, corrupt, damage, or destroy your programs, files, and even your computer. Additionally, you may unintentionally transmit the virus to other computers, diskettes, and software.

Your Right to Terminate - You may cancel your e-z BANKING service at any time by providing us with written notice by postal mail or fax. Your access to e-z BANKING will be suspended within 3 business days of our receipt of your written instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of

cancellation. Our Right to Terminate - You agree that we can terminate or limit your access to e-z BANKING Services for any of the following reasons:

1. Without prior notice, if you have insufficient funds in any one of your Bank accounts. e-z BANKING service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.

2. Upon reasonable notice, for any other reason in our sole discretion.

Communications between Bank and You - Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:


Secure Messaging - You may contact us by initiating a Secure Message while logged on to e-z BANKING.

Telephone - You can contact us by telephone toll free at 1 877-838-2517. Facsimile - You can contact us by fax at 1 570 724-5391.

Postal Mail - You can write to us at: Citizens & Northern Bank, Attn: Electronic Banking, PO Box 58, Wellsboro, Pennsylvania 16901.

In Person - You may visit us in person at any one of our Bank Branch locations.

Consent To Electronic Delivery of Notices: You agree that this agreement, any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the Bank website, by e-mail or by Secure Messaging from within e-z BANKING. You also agree to the following:

- Hardware/Software Requirements: You confirm that you have access to the Internet, e-z BANKING Online and Internet Explorer version 6.x, 7.x, or 8.x or Mozilla Firefox version 3.x or 3.5.x for Microsoft Operating Systems and Mozilla Firefox version 3.x or 3.5.x for Mac Operating Systems. You also confirm that you have access to Adobe Acrobat Reader version 9 or higher which enables you to view your agreement and notices. You will also need a printer if you choose to print the agreement and notices and a storage device if you choose to download for permanent storage.

- Hardware/Software Changes: If the software and/or hardware requirements are changed we will notify you and you must again consent to receive your disclosures electronically and must confirm that you can view the disclosures in electronic format. If you do not consent again, your notices will be mailed to you via the U.S. Postal Service.

- Canceling Request: You have the right to receive your disclosures in paper form via the U.S. Postal Service and may do this by notifying the bank. You may reinstate your consent by contacting the bank.

- Paper Copy: You have the right to receive this agreement and future disclosures in paper format. Please visit any of our branch offices and request a copy during normal business hours or call your local branch. The cost for this is listed on our fee statement that you received when opening your account. You will be notified of any fee changes.

- Statement Notification: When a disclosure is available, we will send you an e-mail notification using the e-mail address you provided. If the e-mail address you provided is no longer valid and attempted delivery of your e-mail notification fails, we will discontinue your electronic delivery of disclosures, and will mail paper disclosures to you via the U.S. Postal Service.


e-z BANKING FEE SCHEDULE Consumer Accounts

Internet Access - No charge to view and transfer funds Bill Payer - $2.95 per month for unlimited bill payments.


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