Common use of Additional Provisions Applicable Only to Business Customers Clause in Contracts

Additional Provisions Applicable Only to Business Customers. a. Protecting Your Account The Service will allow Business Customers to establish individual Access IDs, Passcodes, privileges for each Authorized User. Transaction history is maintained for each Access ID. Additional fees may be assessed for each Access ID. Business Customer(s) will be solely responsible for designating its Authorized Users, assigning privileges, and disclosing the identity of said Authorized Users to CB&S Bank and all changes thereof in writing. Business Customer represents and warrants that its Authorized Users have the appropriate authority to initiate transfers and xxxx payments through the Service. Business Customer authorizes CB&S Bank and its Service Providers to act upon, and you agree to be bound by, any transaction, whether or not authorized, that is initiated with your Access ID and Passcode and/or the Access ID and Passcode of an Authorized User. Furthermore, any instructions, directions, or other information provided by the Business Customer, or any of its Authorized Users, will be deemed to have been authorized by the Business Customer. CB&S Bank and its Service Providers will not be responsible for verifying the identity or authenticity of any person claiming to be an Authorized User of the Business Customer. Business Customer assumes any and all liability arising from the use or misuse of the service or company accounts by its Authorized Users. Business Customer agrees to indemnify and hold harmless CB&S Bank and its Service Providers for any liability and damages resulting from our acting upon any direction, instruction, or information that is initiated with an Access ID and Passcode of an Authorized User. You agree that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that CB&S Bank and/or its Service Providers will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. In addition, you agree to: • require all Authorized Users to keep Passcodes secure and strictly confidential; • immediately notify us and select a new Passcode if you or your Authorized Users believe your Passcodes may have become known to an unauthorized person. We may disable Passcodes of Authorized Users even without receiving such notice from you, if we suspect Passcodes are being used in an unauthorized or fraudulent manner; provided, however, that we shall be under no obligation to disable any such Passcodes or incur any liability for failure to disable any such Passcodes. Business Customers shall be solely responsible for the development and implementation of all commercially reasonable procedures to control access to their computer systems and to protect any data files stored thereon. Business Customers shall be solely responsible for all appropriate and commercially reasonable, physical, logical, and network security systems and devices to protect the security of data files maintained on computer(s) used to access the service as well as the protection against unauthorized access to business computers, and/or networks used to access the service. Business Customers shall be solely responsible for any and all losses and damages arising from any authorized or unauthorized access to the service. CB&S Bank and its Service Providers shall have no obligation, liability or control, either directly or indirectly concerning the Business Customers’ selection of security systems or devices for the protection of any data files or computers used to access the services or over Business Customers development or implementation of security procedures or the failure of Business Customer to maintain said procedures. Security tokens will be issued to Business Internet Banking Customers for additional security. A security token is a small device that generates a one-time Passcode to use each time you log in to business internet banking. This Passcode is unique to your Access ID and CB&S Account, and it changes every 32 seconds for the protection of the business. Tokens issued must be activated within 30 days for your security. After 30 days you must contact CB&S Bank prior to activating your token. To order replacement tokens contact Customer Service at 877-332-1710. If a security token is lost or stolen contact us at once. Security Tokens are assigned to individual Authorized Users and may not be shared. If any user is no longer authorized to use the Service, such as when a user is no longer employed at the business, notify us at once. Return the Security Token assigned to that user to CB&S Bank immediately. b. Commercially Reasonable Security Procedures of the Service When you accept this agreement and use the Service, you acknowledge and agree that the Service includes security measures which are commercially reasonable. You agree to be bound by our security procedures and instructions, which may be periodically updated. You agree to review and implement all security procedures available in connection with the Service, including procedures to protect the confidentiality of your Access ID and Passcode and the same for your Authorized Users in addition to safeguarding Security Tokens. You agree to notify us in the event that your use of the service would necessitate or be better served by a level of security that exceeds that offered by the service. If you fail to notify us you acknowledge and agree that the security aspects of the service are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.

Additional Provisions Applicable Only to Business Customers. a. (A) Protecting Your Account The Service will allow authorized signers of Business Customers Accounts to establish individual Access IDsUser Names and Passwords and be authorized to access the Business account in which they are an authorized signer. If you DO NOT want an Authorized Signer to have access to your Business Account through the Service, Passcodes, privileges for each Authorized User. Transaction history is maintained for each Access ID. Additional fees may be assessed for each Access ID. Business Customer(s) will be solely responsible for designating its Authorized Users, assigning privileges, and disclosing you must contact the identity of said Authorized Users to CB&S Bank and all changes thereof inform us in writingwriting immediately. If you do not contact the Bank with such instructions, the following will apply: Business Customer represents and warrants that its Authorized Users Signers have the appropriate authority to initiate transfers and xxxx payments through the Serviceservice. Business Customer Customer(s) authorizes CB&S this Bank and its Service Providers to act upon, and you agree to be bound by, any transaction, whether or not authorized, that is initiated with by your Access ID Authorized Signer that you have established and Passcode and/or the Access ID and Passcode of an Authorized Userauthorized. Furthermore, any instructions, directions, directions or other information provided by the Business Customercustomer, or any of its Authorized Users, Signers will be deemed to have been authorized by the Business Customer. CB&S Bank and its Service Providers will not be responsible for verifying the identity or authenticity of any person claiming to be an Authorized User of the Business Customer. Business Customer assumes any and all liability arising from the use or misuse of the service Service or company accounts by its Authorized UsersSigners. Business Customer agrees to indemnify and hold harmless CB&S this Bank and its Service Providers for any liability and damages resulting from our acting upon any direction, instruction, instruction or information that is initiated with an Access ID a User Name and Passcode Password of an Authorized UserSigner. You agree that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that CB&S Xxxxxx Deposit Bank and/or its Service Providers will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of businesslocation. In addition, you agree to: • require - Require all Authorized Users Signer’s to keep Passcodes Passwords secure and strictly confidential; • immediately confidential - Immediately notify us and select a new Passcode Password if you or your Authorized Users Signers believe your Passcodes Passwords may have become known to an unauthorized person. We may disable Passcodes Passwords of Authorized Users Signers even without receiving such notice from you, if we suspect Passcodes Passwords are being used in an unauthorized or fraudulent manner; provided, however, that we shall be under no obligation to disable any such Passcodes or incur any liability for failure to disable any such Passcodes. Business Customers shall be solely responsible for the development and implementation of all commercially reasonable procedures to control access to their computer systems and to protect any data files stored thereon. Business Customers shall be solely responsible for all appropriate and commercially reasonable, physical, logical, logical and network security systems and devices to protect the security of data files maintained on computer(s) used to access the service Service as well as the protection against unauthorized access to business computers, and/or networks used to access the serviceService. Business Customers shall be solely responsible for any and all losses and damages arising from any authorized Authorized Signer or unauthorized access to the serviceService. CB&S This Bank and its Service Providers shall have no obligation, liability or control, either directly or indirectly concerning the Business Customers’ selection of security systems or devices for the protection of any data files or computers used to access the services Service or over Business Customers customer development or implementation of security procedures or the failure of Business Customer customer to maintain said procedures. Security tokens will be issued to Business Internet Banking Customers for additional security. A security token is a small device that generates a one-time Passcode to use each time you log in to business internet banking. This Passcode is unique to your Access ID and CB&S Account, and it changes every 32 seconds for the protection of the business. Tokens issued must be activated within 30 days for your security. After 30 days you must contact CB&S Bank prior to activating your token. To order replacement tokens contact Customer Service at 877-332-1710. If a security token is lost or stolen contact us at once. Security Tokens are assigned to individual Authorized Users and may not be shared. If any user is no longer authorized to use the Service, such as when a user is no longer employed at the business, notify us at once. Return the Security Token assigned to that user to CB&S Bank immediately. b. Commercially (B) Reasonable Security Procedures of the Service When you accept this agreement Agreement and use the Service, you acknowledge and agree that the Service includes security service measures which are commercially reasonable. You agree to be bound by our security procedures and instructions, which may be periodically updated. You agree to review and implement all security procedures available in connection with the Service, including procedures to protect the confidentiality of your Access ID User Name and Passcode Password and the same for your Authorized Users in addition to safeguarding Security TokensSigner(s). You agree to notify us this Bank in the event that your use of the service Service would necessitate or be better served by a level of security that exceeds that offered by the serviceService. If you fail to notify us this Bank, you acknowledge and agree that the security aspects of the service Service are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.

Additional Provisions Applicable Only to Business Customers. a. (A) Protecting Your Account The Service will allow Business Customers to designate and/or establish individual Access IDs, Passcodes, privileges for each Authorized User. Transaction history is maintained for each Access ID. Additional fees may be assessed for each additional Access ID. Business Customer(scustomer(s) will be solely responsible for designating its Authorized Usersauthorized users, assigning privileges, account access, credit limits, and disclosing the identity of said Authorized Users users to CB&S Bank and all MCBank. All changes thereof must be in writing. Business Customer customer represents and warrants that its Authorized Users authorized users have the appropriate authority to initiate transfers and xxxx bill payments through the Serviceservice. Business Customer authorizes CB&S Bank customer(s) authorize this institution and its Service Providers service providers to act upon, and you agree to be bound by, any transaction, whether or not authorized, that is initiated with your Access ID access id and Passcode passcode and/or the Access ID access id and Passcode passcode of an Authorized Userauthorized user. Furthermore, any instructions, directions, or other information provided by the Business Customerbusiness customer(s), or any of its Authorized Usersauthorized users, will be deemed to have been authorized by the Business Customerbusiness customer(s). CB&S Bank This financial institution and its Service Providers service providers will not be responsible for verifying the identity or authenticity of any person claiming to be an Authorized User authorized user of the Business Customerbusiness customer(s). Business Customer customer(s) assumes any and all liability arising from the use or misuse of the service or company accounts by its Authorized Usersauthorized users. Business Customer agrees customer(s) agree to indemnify and hold harmless CB&S Bank MCBank and its Service Providers service providers for any liability and damages resulting from our acting upon any direction, instruction, or information that is initiated with an Access ID access id and Passcode passcode of an Authorized Userauthorized user. You agree that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that CB&S Bank MCBank and/or its Service Providers service providers will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. In addition, you agree to: • require all Authorized Users authorized users to keep Passcodes passcodes secure and strictly confidential; • immediately notify us and select a new Passcode password if you or your Authorized Users authorized users believe your Passcodes passcodes may have become known to an unauthorized personperson(s). We may disable Passcodes passcodes of Authorized Users authorized users even without receiving such notice from you, if we suspect Passcodes passcodes are being used in an unauthorized or fraudulent manner; provided, however, that we shall be under no obligation to disable any such Passcodes or incur any liability for failure to disable any such Passcodes. Business Customers customer(s) shall be solely responsible for the development and implementation of all commercially reasonable procedures to control access to their computer systems and to protect any data files stored thereon. Business Customers customer(s) shall be solely responsible for all appropriate and commercially reasonable, physical, logical, and network security systems and devices to protect the security of data files maintained on computer(s) used to access the service as well as the protection against unauthorized access to business computers, and/or networks used to access the service. Business Customers customer(s) shall be solely responsible for any and all losses and damages arising from any authorized or unauthorized access to the service. CB&S Bank MCBank and its Service Providers service providers shall have no obligation, liability or control, either directly or indirectly concerning the Business Customersbusiness customers’ selection of security systems or devices for the protection of any data files or computers used to access the services or over Business Customers business customers’ development or implementation of security procedures or the failure of Business Customer business customer(s) to maintain said procedures. Security tokens will be issued to Business Internet Banking Customers for additional security. A security token is a small device that generates a one-time Passcode to use each time you log in to business internet banking. This Passcode is unique to your Access ID and CB&S Account, and it changes every 32 seconds for the protection of the business. Tokens issued must be activated within 30 days for your security. After 30 days you must contact CB&S Bank prior to activating your token. To order replacement tokens contact Customer Service at 877-332-1710. If a security token is lost or stolen contact us at once. Security Tokens are assigned to individual Authorized Users and may not be shared. If any user is no longer authorized to use the Service, such as when a user is no longer employed at the business, notify us at once. Return the Security Token assigned to that user to CB&S Bank immediately. b. (B) Commercially Reasonable Security Procedures of the The Service When you accept this agreement and use the Serviceservice, you acknowledge and agree that the Service service includes security measures which are commercially reasonable. You agree to be bound by our security procedures and instructions, which may be periodically updated. You agree to review and implement all security procedures available in connection with the Serviceservice, including procedures to protect the confidentiality of your Access ID access id and Passcode passcode and the same for your Authorized Users in addition to safeguarding Security Tokens. You authorized users you agree to notify us MCBank in the event that your use of the service would necessitate or be better served by a level of security that exceeds that offered by the service. If you fail to notify us MCBank, you acknowledge and agree that the security aspects of the service are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.

Additional Provisions Applicable Only to Business Customers. a. Protecting Your Account PROTECTING YOUR ACCOUNT The Service will allow a Business Customers Customer to establish individual only one (1) Access IDs, Passcodes, privileges ID and PIN for each Authorized User. Transaction history is maintained for each Access ID. Additional fees may be assessed for each Access IDan account. Business Customer(s) will be solely responsible for designating its Authorized Users, assigning privileges, and disclosing the identity of said determining Authorized Users to CB&S Bank and all changes thereof in writingof this Access ID. Business Customer represents and warrants that its Authorized Users have the appropriate authority to initiate transfers and xxxx payments Bill Payments through the Service. Business Customer authorizes CB&S Bank this institution and its Service Providers to act upon, and you agree to be bound by, any transaction, whether or not authorized, that is initiated with your Access ID and Passcode and/or the Access ID and Passcode of an Authorized UserPIN. Furthermore, any instructions, directions, or other information provided by the Business Customer, or any of its Authorized Users, will be deemed to have been authorized by the Business Customer. CB&S Bank This Financial Institution and its Service Providers will not be responsible for verifying the identity or authenticity of any person claiming to be an Authorized User of the Business Customer. Business Customer assumes any and all liability arising from the use or misuse of the service Service or company accounts by its Authorized Users. Business Customer agrees to indemnify and hold harmless CB&S Bank this Financial Institution and its Service Providers for any liability and damages resulting from our acting upon any direction, instruction, or information that is initiated with an your Access ID and Passcode of an Authorized UserPIN. You agree that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that CB&S Bank the Financial Institution and/or its Service Providers will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. In addition, you agree to: to • require Require all Authorized Users authorized users to keep Passcodes the PIN secure and strictly confidential; • immediately Immediately notify us and select a new Passcode PIN if you or your Authorized Users believe your Passcodes PIN may have become known to an unauthorized person. We may disable Passcodes of Authorized Users your PIN even without receiving such notice from you, if we suspect Passcodes are the PIN is being used in an unauthorized or fraudulent manner; provided, however, that we shall be under no obligation to disable any such Passcodes or incur any liability for failure to disable any such Passcodes. Business Customers shall be solely responsible for the development and implementation of all commercially reasonable procedures to control access to their computer systems and to protect any data files stored thereon. Business Customers shall be solely responsible for all appropriate and commercially reasonable, physical, logical, and network security systems and devices to protect the security of data files maintained on computer(s) used to access the service Service as well as the protection against unauthorized access to business computers, and/or networks used to access the serviceService. Business Customers shall be solely responsible for any and all losses and damages arising from any authorized or unauthorized access to the serviceService. CB&S Bank This Financial Institution and its Service Providers shall have no obligation, liability or control, either directly or indirectly concerning the Business Customers’ ' selection of security systems or devices for the protection of any data files or computers used to access the services Services or over Business Customers Customer's development or implementation of security procedures or the failure of Business Customer to maintain said procedures. Security tokens will be issued to Business Internet Banking Customers for additional security. A security token is a small device that generates a one-time Passcode to use each time you log in to business internet banking. This Passcode is unique to your Access ID and CB&S Account, and it changes every 32 seconds for the protection of the business. Tokens issued must be activated within 30 days for your security. After 30 days you must contact CB&S Bank prior to activating your token. To order replacement tokens contact Customer Service at 877-332-1710. If a security token is lost or stolen contact us at once. Security Tokens are assigned to individual Authorized Users and may not be shared. If any user is no longer authorized to use the Service, such as when a user is no longer employed at the business, notify us at once. Return the Security Token assigned to that user to CB&S Bank immediately. b. Commercially Reasonable Security Procedures of the Service When you accept this agreement and use the Service, you acknowledge and agree that the Service includes security measures which are commercially reasonable. You agree to be bound by our security procedures and instructions, which may be periodically updated. You agree to review and implement all security procedures available in connection with the Service, including procedures to protect the confidentiality of your Access ID and Passcode and the same for your Authorized Users in addition to safeguarding Security Tokens. You agree to notify us in the event that your use of the service would necessitate or be better served by a level of security that exceeds that offered by the service. If you fail to notify us you acknowledge and agree that the security aspects of the service are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.