To apply please complete the following information, print and mail the form below to:

CVNetCenter™
Cumberland Valley National Bank
PO Box 709
London, KY 40743-0709
Attn: Call Center

We cannot accept enrollment via e-mail or fax. We require original signature(s) on the application form.

"We", "us", and "our" mean Cumberland Valley National Bank & Trust Company (CVNB) and agents. "You" and "your" mean each depositor and/or borrower who enrolls in the CVNetCenter service with us or who uses or is authorized by us to use a CVNetCenter Identification Number (ID) and CVNetCenter Personal Identification Number (PIN) or other means of authentication which we establish or approve. The term "CVNetCenter" refers to our service that allows you to transfer funds, access accounts, obtain information, view account transactions and balances, obtain account statements, download account transactions and perform other transactions or communications over the Internet, including the optional Bill Payment service, by use of a compatible personal computer (PC) or other means which we now authorize or may allow from time to time. We reserve the right to restrict or prevent your access to any account through CVNetCenter.

This agreement states the terms and conditions that apply when you use our CVNetCenter. Please read them carefully and retain them for your records. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other services you obtain from us. You are also required to follow all of our instructions and procedures, including those in our User's Guide and Frequently Asked Questions (FAQ's) applicable to the services covered by this agreement. This agreement shall be governed by and interpreted under the laws of the Commonwealth of Kentucky and applicable federal laws and regulations. We reserve the right to amend, modify or terminate the CVNetCenter service or these terms and conditions at any time. You agree to receive all notices from us through the CVNetCenter or via e-mail. You may terminate your enrollment in CVNetCenter by written notice to us at the address set out above.

At the time you enter into this agreement you must have an e-mail address with an Internet Service Provider (ISP). If your e-mail address changes, you must notify us within a reasonable period of time of the change. If you do not notify us, you will hold us harmless from any consequences, including financial loss, resulting from your failure to notify us of the change in your e-mail address. If you e-mail us or ask us to reply to you via e-mail you agree to hold us harmless, from any consequences, including financial loss, resulting from any unauthorized use or disclosure of your account or personal information resulting from e-mail.

If at any time you wish to change an account's status, add an account or remove an account, you must provide us at least ten (10) business days advance notice. To do this call us at our CVNetCenter at 1-800-999-3126 or click on this form, the CVNetCenter Application & Agreement form, print it out and mail the completed form to us.

Your access to the CVNetCenter service will be blocked in the event your Logon ID or Password is entered incorrectly on three (3) consecutive access attempts. If this occurs, please call CVNetCenter at 1-800-999-3126.

You agree that the account security is controlled by the authentication method of a CVNetCenter ID assigned by us, together with the CVNetCenter PIN chosen and entered by you. CVNB strongly discourages you from selecting passwords of information that may be widely available concerning your identity. You will be requested to change your PIN the first time you enter the CVNetCenter service. You can change your ID and/or PIN at any time through the Account Management section of the CVNetCenter service. You are responsible for all transactions that you or any authorized user makes. If you have given someone your CVNetCenter ID and PIN and want to terminate that person's authority, you must change your ID and PIN. You agree to protect the PIN and hold us harmless from its unauthorized use or disclosure. Any of your account or personal information delivered by us to your Internet Browser, e-mail, financial or other software or to any PC or other devices becomes your responsibility and you agree to hold us harmless from any losses or damages resulting from its unauthorized use or disclosure. Additionally, your Internet browser, e-mail, financial or other software, your PC, or other devices may capture, save, cache or forward the account or personal information delivered by us to you and displayed on your PC monitor or other devices. This information may be captured, saved or cached on your PC's memory or hard drive or other devices, either within your PC or other devices or within a remote PC or server or other devices through which your PC is networked with or communicates with by any means. This information may be accessed by any person or device with access to your PC or other device through any means. You agree to hold us harmless from any losses or damages resulting from the unauthorized use or disclosure of this information.

You agree that the provisions of joint account ownership apply to the CVNetCenter service if the account(s) being accessed is jointly owned and agree that each owner authorizes the other without limitation to use CVNetCenter.

You acknowledge that transaction limitations, as described in the Truth in Savings Disclosure you received when you opened your deposit account(s) or subsequently thereafter, apply to transfers from savings or money market deposit accounts. Federal regulation limits transfers from savings or money market deposit accounts to six per statement cycle when initiated by telephone, electronic, or other pre-authorized means. This limit applies to transfers through CVNetCenter. You acknowledge that the Activity Charge Fee as disclosed in our Truth in Savings Disclosure or Fee Schedule or any subsequent disclosure, will apply to transactions that exceed the transaction limitation.

By signing below, you acknowledge our delivery to you of the Electronic Funds Transfer Disclosure. This Disclosure can be viewed or printed by clicking on Electronic Funds Transfer Disclosure. This Disclosure will further define your rights and responsibilities. If you don't have a printer, e-mail us at cvnetcenter@cvnb.com or call CVNetCenter at 1-800-999-3126 and we will send you a copy of the Disclosure.