Common use of AMENDING OR TERMINATING THE AGREEMENT Clause in Contracts

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. NOTICE OF ATM SAFETY PRECAUTIONS SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • · Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • · If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • · If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • · Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • · If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • · When using the machine, stand so you block anyone else's view from behind. • · If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • · Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • · Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.. ADDITIONAL PROVISIONS

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.. ADDITIONAL PROVISIONS Your account is also governed by the terms and conditions of other applicable agreements between you and Tioga Franklin Savings Bank. ACKNOWLEDGMENT The undersigned acknowledge(s) receipt of a copy of this Electronic Fund Transfer Disclosure and Agreement and agrees to abide by the terms of the Agreement. X Date: X Date: X Date:

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's ’s view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.. ADDITIONAL PROVISIONS

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 21 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given Nonoticewill begiven if the change is necessary thechangeisnecessary for security reasons. We also Wealso have the right to terminate this agreement at any timeanytime. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location. ADDITIONAL PROVISIONS Your account is also governed by the terms and conditions of other applicable agreements between you and Xxxxxx Bank. Do NOT reveal your PIN to any person not authorized to access your account. * SAVINGS BUILDER. Build your Savings automatically with Savings Builder. This service provides an easy way to make your everyday purchases part of your savings plan by rounding up your debit card transactions to the nearest dollar amount and transferring it directly to your savings account. Every time you swipe your debit card you'll be building your savings! First, ENROLL your Xxxxxx Bank debit card* and then use your card for daily purchases, online purchases, and recurring payments to accumulate the most change. In other words, spend like you normally would. We'll round up each of your purchases to the nearest dollar amount and transfer the change from your checking account to a Xxxxxx Bank savings account of your choice or to a child's savings account. At the end of each business day, the accumulated amount(s) from each of your posted debit card* transactions will be transferred from the checking account attached to your debit card to a savings account of your choice as a single transaction. There is no cost to enroll. All you need to get started is a Xxxxxx Bank checking account with a debit card and Xxxxxx Bank savings account. If you would like to enroll in *SAVINGS BUILDER, please contact us today to get started at (000) 000-0000 or visit your local branch for more information. *Upon enrollment, we will round up your MasterCard debit card purchases to the nearest dollar amount and transfer the difference from your checking account to your Xxxxxx Bank savings account. If your savings account enrolled in Savings Builder is converted to a checking account, Savings Builder transfers will continue to be made into that account. We may cancel or modify the Savings Builder service at any time without prior notice. OTHER INFORMATION ABOUT SAVINGS BUILDER. Savings Builder is only available if you have a Debit Card linked to a Xxxxxx Bank checking account. If you enroll, all qualifying transactions from debit card(s) attached to your checking account will be included in the roundup. > Both signature-based and PIN based debit card transactions qualify for Savings Builder; ATM transactions do not qualify. > Credit transactions or adjustment transactions will not be rounded up.

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 21 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.. ADDITIONAL PROVISIONS Your account is also governed by the terms and conditions of other applicable agreements between you and Xxxxxxxx Bank & Trust Company. ACKNOWLEDGMENT The undersigned acknowledge(s) receipt of a copy of this Electronic Fund Transfer Disclosure and Agreement and agrees to abide by the terms of the Agreement. X Date: X Date: X Date:

AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 30 21 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM: • Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else's view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location. ADDITIONAL PROVISIONS Your account is also governed by the terms and conditions of other applicable agreements between you and Xxxxxx Bank. Do NOT reveal your PIN to any person not authorized to access your account.