Common use of ONLINE BANKING FEATURES Clause in Contracts

ONLINE BANKING FEATURES. In addition to viewing account information, you may use Online Banking to conduct the following transactions: • Transfer funds between your linked checking, savings, money market, and loan accounts. • Place stop payment orders on checks • Xxxx Pay option available through CheckFree • View up-to-the-minute account information • View images of paid items and deposits • Communicate with us via e-mail • Account Alerts can be sent via e-mail or text message • eStatements New services may be introduced for Online Banking from time to time. First Resource Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. Stop Payment Orders You may place stop payment orders on checks using Online Banking. When placing a stop payment order, you agree to indemnify us and hold us harmless for all losses incurred by us due to our refusal to pay the check. You acknowledge that, under the law, there are some situations where a check can be enforced against you even though you ordered us to stop payment. In such instances, we will not be liable to you for refusing to enforce your stop payment order. We will not have a duty to stop payment until you have given us the number, the exact amount of the item and the name of the payee. In addition, we must have had a reasonable opportunity to act on your stop payment order prior to the earlier of our payment of it or one hour after the opening of the next business day after the business day we received it. The information we require you to submit in connection with your stop payment order must be exactly correct to enable our computer Online Banking to match the payment to be stopped to your stop payment order. A stop payment order on a check is effective for six months unless you renew the notice in writing within that time, in which case the stop payment order will be effective for an additional six month period. At our option, we may continue stop payment orders beyond these time periods unless cancelled by you. Stop payment orders received after regular banking hours or on a holiday shall be deemed received at the opening of business on the next business day. If we pay an item despite your timely stop payment order, the following rules will apply: (a) you will have to prove to us that you have suffered a loss and, if so, the amount of the loss; (b) we will be able to enforce any rights that the original payee or any other person who held the check had against you; (c) we will not re-credit your account until you prove your loss and we are satisfied that we are required by law to do so; and (d) if we re-credit your account, you agree to sign a statement describing the dispute with the payee or other holder of the check, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. Stop payment order will be released only upon written request from the account owner who authorized the stop payment order to be placed. If you submit a stop payment request to us, we will charge your account the fee for such service specified on our current service fee schedule, as amended from time to time.

ONLINE BANKING FEATURES. In addition You may access your account information by using a specific Online User ID and password assigned to viewing account information, you. At the present time you may use the system to: General Online Banking to conduct the following transactions: •  Perform account inquiries on checking, savings, certificate, and loan accounts  Obtain statement transaction detail on your accounts  Transfer funds between your linked checking, savings, money market, and deposit accounts  Transfer funds between your accounts at another financial institution  Make payments to loan accounts. • Place stop payment orders on checks • Xxxx Pay option available through CheckFree • View up-to-the-minute account information • View images of paid items and deposits • Communicate with us via e-mail • Account Alerts can be sent via e-mail or text message • eStatements New services may be introduced accounts  Initiate instructions for Online Banking from time to time. First Resource Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. Stop Payment Orders You may place stop payment orders on checks using Online Banking. When placing a stop payment order Set up Alerts  Send secure e-mail messages to Bank personnel  Request to receive periodic statements online  Update email address and other personal information  Initiate payments to any merchant or vendor you choose through the Bill Pay option Cash Management Features (Commercial customers only)  Initiate EFTPS tax payments  ACH origination  Add/Manage Users Preauthorized Payments Your account will be charged $25.00 for each stop payment order you request. Notice of varying amounts. If these regular payments may vary in amount, the person you agree to indemnify us and hold us harmless for all losses incurred by us due to our refusal 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 checkpayment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) Liability for failure to stop payment of preauthorized transfer. You acknowledge that, under the law, there are some situations where a check can be enforced against If you even though you ordered order us to stop payment. In such instancesone of these payments 3 business days or more the transfer is scheduled, and we do not do so, we will not be liable for your losses or damages. CASH MANAGEMENT FEES AND CHARGES: Monthly fees will be deducted automatically from your general checking account the first day of each month. If the first falls on a weekend or holiday, deductions will occur the first prior business day. Upon signing this application, you authorize the Bank to you for refusing to enforce your establish automatic withdrawal. Personal  No charge with or without Bill Pay Services  Standard check fees will be assessed when check orders are processed  Standard stop payment order. We will not have a duty to stop payment until you have given us the number, the exact amount of the item and the name of the payee. In addition, we must have had a reasonable opportunity to act on your stop payment order prior to the earlier of our payment of it or one hour after the opening of the next business day after the business day we received it. The information we require you to submit in connection with your stop payment order must be exactly correct to enable our computer Online Banking to match the payment to be stopped to your stop payment order. A stop payment order on a check is effective for six months unless you renew the notice in writing within that time, in which case the stop payment order fees will be effective for an additional six month period. At our option, we may continue assessed when stop payment orders beyond these time periods unless cancelled by you. Stop are processed Commercial  No charge without Cash Management Services  Standard check fees will be assessed when check orders are processed  Standard stop payment fees will be assessed when stop payment orders received after regular banking hours are processed  Commercial Cash Management features are billed per individual proposal Separate charges as listed below may apply for Bill Pay Services: Overnight Fee: $19.95 2nd Day Delivery Fee: $14.95 Gift Check Fee: $2.99 Charitable Donation Fee: $1.99 LIMITATIONS ON FREQUENCY AND AMOUNT: According to Federal Regulations, you may not make more than six (6) preauthorized or automatic transfers from your money market or savings accounts during a given monthly period. There are no limits on a holiday shall be deemed received at the opening number or dollar amount of transfers or payments you make from your checking account. Balances shown online are as of close of business on for the next business prior day. If we pay an item despite Balances may include deposits subject to verification by us. The balance may also differ from your timely stop payment orderrecords due to deposits in process, outstanding checks or other withdrawals, payments or charges. We have the following rules will apply: (a) you will have right to prove to us that you have suffered a loss and, cancel transactions if so, the amount of the loss; (b) we will be able to enforce any rights that the original payee or any other person who held the check had against you; (c) we will sufficient funds are not re-credit your account until you prove your loss and we are satisfied that we are required by law to do so; and (d) if we re-credit available in your account, you agree to sign a statement describing the dispute with the payee or other holder of the check, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. Stop payment order will be released only upon written request from the account owner who authorized the stop payment order to be placed. If you submit a stop payment request to us, we will charge your account the fee for such service specified on our current service fee schedule, as amended from time to time.

ONLINE BANKING FEATURES. In addition to viewing account information, you may use Online Banking to conduct the following transactions: • Transfer funds between your linked checking, savings, money market, and loan accounts. • Place stop payment orders on checks • Xxxx Pay option available through CheckFree • View up-to-the-minute account information • View images of paid items and deposits • Communicate with us via e-mail • Account Alerts can be sent via e-mail or text message • eStatements NOTE: Because regulations require First Resource Bank to limit pre-authorized transfers (including Online Banking transfers), the following limitations apply: Savings Accounts—you can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer, or by Online Banking. Money Market Savings Account—You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by Online Banking. New services may be introduced for Online Banking from time to time. First Resource Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. Stop Payment Orders You may place stop payment orders on checks using Online Banking. When placing a stop payment order, you agree to indemnify us and hold us harmless for all losses incurred by us due to our refusal to pay the check. You acknowledge that, under the law, there are some situations where a check can be enforced against you even though you ordered us to stop payment. In such instances, we will not be liable to you for refusing to enforce your stop payment order. We will not have a duty to stop payment until you have given us the number, the exact amount of the item and the name of the payee. In addition, we must have had a reasonable opportunity to act on your stop payment order prior to the earlier of our payment of it or one hour after the opening of the next business day after the business day we received it. The information we require you to submit in connection with your stop payment order must be exactly correct to enable our computer Online Banking to match the payment to be stopped to your stop payment order. A stop payment order on a check is effective for six months unless you renew the notice in writing within that time, in which case the stop payment order will be effective for an additional six month period. At our option, we may continue stop payment orders beyond these time periods unless cancelled by you. Stop payment orders received after regular banking hours or on a holiday shall be deemed received at the opening of business on the next business day. If we pay an item despite your timely stop payment order, the following rules will apply: (a) you will have to prove to us that you have suffered a loss and, if so, the amount of the loss; (b) we will be able to enforce any rights that the original payee or any other person who held the check had against you; (c) we will not re-credit your account until you prove your loss and we are satisfied that we are required by law to do so; and (d) if we re-credit your account, you agree to sign a statement describing the dispute with the payee or other holder of the check, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. Stop payment order will be released only upon written request from the account owner who authorized the stop payment order to be placed. If you submit a stop payment request to us, we will charge your account the fee for such service specified on our current service fee schedule, as amended from time to time.

ONLINE BANKING FEATURES. In addition You may access your account information by using a specific Online User ID and password assigned to viewing account information, you. At the present time you may use the system to: General Online Banking to conduct the following transactions: • Perform account inquiries on checking, savings, certificate, and loan accounts • Obtain statement transaction detail on your accounts • Transfer funds between your linked checking, savings, money market, and deposit accounts • Transfer funds between your accounts at another financial institution • Make payments to loan accounts. accounts • Place stop payment orders on checks • Xxxx Pay option available through CheckFree • View up-to-the-minute account information • View images of paid items and deposits • Communicate with us via e-mail • Account Alerts can be sent via e-mail or text message • eStatements New services may be introduced Initiate instructions for Online Banking from time to time. First Resource Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. Stop Payment Orders You may place stop payment orders on checks using Online Banking. When placing a stop payment order• Set up Alerts • Send secure e-mail messages to Bank personnel • Request to receive periodic statements online • Update email address and other personal information • Initiate payments to any merchant or vendor you choose through the Bill Pay option Cash Management Features (Commercial customers only) • Initiate EFTPS tax payments • ACH origination • Add/Manage Users Preauthorized Payments Your account will be charged $25.00 for each stop payment order you request. Notice of varying amounts. If these regular payments may vary in amount, the person you agree to indemnify us and hold us harmless for all losses incurred by us due to our refusal 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 checkpayment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) Liability for failure to stop payment of preauthorized transfer. You acknowledge that, under the law, there are some situations where a check can be enforced against If you even though you ordered order us to stop payment. In such instancesone of these payments 3 business days or more the transfer is scheduled, and we do not do so, we will not be liable for your losses or damages. CASH MANAGEMENT FEES AND CHARGES: Monthly fees will be deducted automatically from your general checking account the first day of each month. If the first falls on a weekend or holiday, deductions will occur the first prior business day. Upon signing this application, you authorize the Bank to you for refusing to enforce your establish automatic withdrawal. Personal • No charge with or without Bill Pay Services • Standard check fees will be assessed when check orders are processed • Standard stop payment order. We will not have a duty to stop payment until you have given us the number, the exact amount of the item and the name of the payee. In addition, we must have had a reasonable opportunity to act on your stop payment order prior to the earlier of our payment of it or one hour after the opening of the next business day after the business day we received it. The information we require you to submit in connection with your stop payment order must be exactly correct to enable our computer Online Banking to match the payment to be stopped to your stop payment order. A stop payment order on a check is effective for six months unless you renew the notice in writing within that time, in which case the stop payment order fees will be effective for an additional six month period. At our option, we may continue assessed when stop payment orders beyond these time periods unless cancelled by you. Stop are processed Commercial • No charge without Cash Management Services • Standard check fees will be assessed when check orders are processed • Standard stop payment fees will be assessed when stop payment orders received after regular banking hours are processed • Commercial Cash Management features are billed per individual proposal Separate charges as listed below may apply for Bill Pay Services: Overnight Fee: $19.95 2nd Day Delivery Fee: $14.95 Gift Check Fee: $2.99 Charitable Donation Fee: $1.99 LIMITATIONS ON FREQUENCY AND AMOUNT: According to Federal Regulations, you may not make more than six (6) preauthorized or automatic transfers from your money market or savings accounts during a given monthly period. There are no limits on a holiday shall be deemed received at the opening number or dollar amount of transfers or payments you make from your checking account. Balances shown online are as of close of business on for the next business prior day. If we pay an item despite Balances may include deposits subject to verification by us. The balance may also differ from your timely stop payment orderrecords due to deposits in process, outstanding checks or other withdrawals, payments or charges. We have the following rules will apply: (a) you will have right to prove to us that you have suffered a loss and, cancel transactions if so, the amount of the loss; (b) we will be able to enforce any rights that the original payee or any other person who held the check had against you; (c) we will sufficient funds are not re-credit your account until you prove your loss and we are satisfied that we are required by law to do so; and (d) if we re-credit available in your account, you agree to sign a statement describing the dispute with the payee or other holder of the check, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. Stop payment order will be released only upon written request from the account owner who authorized the stop payment order to be placed. If you submit a stop payment request to us, we will charge your account the fee for such service specified on our current service fee schedule, as amended from time to time.