"You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account.

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1 FIRST BANK KANSAS Information about Electronic Fund Transfers The Electronic Fund Transfer Act and Regulation E require banks to provide certain information to customers regarding electronic fund transfer services. These services include all electronically generated transactions including, but not limited to: Internet Banking (ezbanking), Mobile Banking (ezapps), Telephone Banking (ezcall), Automated Clearing House (ACH), Automated Teller Machine (ATM) transactions, Point of Sale (POS) transactions, Electronic Check conversion, preauthorized automatic electronic fund transfers, such as Social Security or payroll direct deposit or insurance premium or Bill Payment (ezpayments). In this document, the following terms have defined meanings: "You" and "your" mean the account holder(s) and anyone else with authority to deposit, withdraw, or exercise control over the funds in the account. "We," "us" and "our" mean First Bank Kansas. "Electronic fund transfer" and "EFT" mean any transfer of funds, other than one originated by check, draft or similar paper instrument, that is initiated through a terminal, telephone, computer or magnetic tape for the purpose of ordering, instructing or authorizing us to debit or credit your Account. They include all transfers resulting from Card transaction(s), ezbanking or ezcall services, including those that do not involve a terminal at the time of the transaction. Electronic Check Conversion is a transfer via ACH that is created by a merchant using certain information from the check when it is presented to them either in person or through the mail. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay for bills. If the check is mailed to the merchant, you will not receive either your original check or an image of the check on your periodic statement. "Terminal" means an electronic device through which you may initiate an EFT. The term includes, but is not limited to, point-of-sale terminals, ATMs, smart phones, telephones and computers. "ATM" means a cash-dispensing or non-cash-dispensing automated teller machine. "Card" means an InstaKey Card, VISA Check Card or any other plastic card issued by us, which gives you electronic access to your Account. "Personal Identification Number (PIN) and Mobile Authorization Code mean a numeric code issued or selected, which must be used in order to affect an EFT at a Terminal. Password, Login ID, and Security Code mean a designated access code that has certain specifications used to gain access to available ezbanking, ezapp and ezcall services. "Account" means any Account with us to which you can gain access. "Business Day" means Monday through Friday but does not include a Federal holiday. Service Charges Service charges, if any, are deducted from your Account monthly. Service charges include charges for EFTs. All our service charges, including service charges for EFTs, are listed on the Truth in Savings disclosure or a fee schedule you receive when you open your Account or obtain a new electronic service. These documents are also available upon request from any of our offices. Some ATM networks charge a "surcharge" that is assessed at the time your transaction is approved. This fee amount may vary. To offset network-handling costs, there is a minimal $1.75 foreign ATM transaction fee for using the card at another financial institution s ATM. Types of Available Transactions You may use your Card, PIN and/or Password to: (a) Withdraw cash from your Account; or (b) Make deposits to your Account where allowed; or (c) Transfer funds between Accounts; or (d) Inquire as to the balance in your Account; or (e) Pay for purchases at places that have agreed to accept the Card; or Without a Card, PIN and/or Password: (f) You may instruct other companies to debit or credit your Account using the ACH system. You may use ezcall with your Security Code to: (a) Obtain balance information; or (b) Review transaction history; or (c) Transfer funds. You may use ezbanking with your Login ID and Password to: (a) Transfer funds between designated Accounts with us; or

2 (b) (c) (d) (e) Make payments to designated loan Accounts with us; or Make payments from checking to third parties via ezpayments; or Obtain information about: Account history Account interest information on interest bearing Accounts; or Account related information such as balances Once permissions are properly set within ezbanking, you may use an ezapp via your smartphone to perform functions (a), (b), & (d) listed above. A Mobile Authorization Code is required in addition to a Login ID and Password in order to complete funds transfers between your accounts via an ezapp. Some of these services may not be available at all Terminals. You can generally use these services 7 days a week, 24 hours a day, although some services may not be available occasionally due to processing schedules, or due to emergency or scheduled system maintenance or down time. Limitations on Transactions There are no limitations on the frequency of EFTs you can make unless otherwise restricted by your account agreement. Card Limitations: Your total cash withdrawals in any one transaction at ATMs may not exceed $500 per day (that is, from 2:00 p.m. to 2:00 p.m.), subject to the following additional rules for weekends: Your total cash withdrawals from 2:00 p.m. Friday to 2:00 p.m. Sunday may not exceed $600, and your total cash withdrawals from 2:00 p.m. Friday to 2:00 p.m. Monday may not exceed $700. In addition, if Monday is a holiday, your total cash withdrawals from 2:00 p.m. Friday to 2:00 p.m. Tuesday may not exceed $800. Your total purchases in any one transaction may not exceed $2500 per day (that is, from 2:00 p.m. to 2:00 p.m.), subject to the following additional rules for weekends: Your total purchases from 2:00 p.m. Friday to 2:00 p.m. Sunday may not exceed $2600, and your total purchases from 2:00 p.m. Friday to 2:00 p.m. Monday may not exceed $2700. In addition, if Monday is a holiday, your total purchases from 2:00 p.m. Friday to 2:00 p.m. Tuesday may not exceed $2800. When you make a deposit at an ATM, we will give you immediate credit for a minimum of the first $50.00 of the deposit. Deposits made on a business day before 2:00 p.m. will be posted to your transaction history during night time processing. Deposits made on a business day after 2:00 p.m., Saturday, Sunday or a holiday will be posted to your transaction history during night time processing on the next business day. Please see the notice posted on the machine or your account information to determine the exact amount of immediate credit as this may vary by machine or customer. If you have Opted-In to allow us to authorize and pay overdrafts on ATM and one-time debit card transactions, you may overdraw your account at the ATM, Point of Sale and for Internet or phone purchases using your card. You will not be alerted or given an option to cancel when you complete a transaction that initiates an overdraft. You may incur overdraft charges when this happens. If you have NOT opted-in and the transaction will result in an overdraft, the transaction may be declined. ezbanking Limitations: You may transfer from a minimum of $1.00 to a maximum of $999, per transaction per day. You must have sufficient funds in the designated transfer Account at the time a one-time transaction is scheduled. We will not act on any transfer instructions if sufficient funds are not available. Recurring & future dated transfers will not process funds are not available on the process date and no notice will be sent. The unavailability of funds will not affect future payments of a recurring transfer. An Account that requires two or more signatures to make withdrawals or special withdrawal restrictions may not be accessed electronically for transaction purposes. When you complete a transfer on ezbanking, both sides of the transaction will memo post to your Account and will affect your available balance immediately. If a transfer is completed after 7:30 p.m., the transfer will post to your transaction history during processing at the end of the next business day. Transfers from a Money Market or Savings Account to another Account or to a third party by preauthorized, automatic or telephone transfer are limited by law to six per month. Check images are available within the transaction history for a minimum of 90 days or as part of your downloadable electronic statement for 13 months. Failure to login to ezbanking within 15 days of registration or at least once every 45 days following activation may result in the closing of the ezbanking account and will require new registration. You do not have a right to cancel or amend a payment, transfer or other instruction once we have received it. If we attempt to reverse a transaction at your request, we assume no liability for any interest or losses that result if the reversal is not affected. You may choose to enable your Login ID and Password for use from a mobile device via an ezapp. Set up is required through the online version of ezbanking prior to gaining access to the system. In addition, if you choose, you will need to create a Mobile Authorization Code in order to have the ability to transfer funds via an ezapp. ezpayment Limitations: You may use ezpayments to electronically direct us to make payments from a designated checking Account on your behalf to third parties that you have selected. You may make payments to any business, merchant, or individual within the United States. We reserve the right to decline to make payment to certain payees. You may schedule payments to be deducted from your Account on a future date or on a recurring basis, subject to the limitations described in this disclosure. Payments are processed on the day designated by you. When a processing day falls on a weekend or bank holiday, the payment is processed the previous business day. 2

3 When scheduling payments, you should allow (2) business days for an electronic payment and (3-4) business days for a check payment from the due date that appears on your payment coupon or invoice, regardless of any grace period. Scheduling a payment during a grace period could result in late charges being applied at the discretion of the payee. An estimated arrival date is displayed at the time the payment is scheduled. Funding to process the scheduled payments will be debited from your checking account according to the following schedule: For payments sent to your payee electronically, on the process date you selected. For payments sent to your payee by check payment, when the check is received and submitted for payment by the payee. The cut off time for ezpayments is 3:00 p.m. Payments entered after this time will be processed the next business day. You may schedule payments from a minimum of $1.00 to a maximum of $9, per business day. Failure to schedule payments for 45 consecutive days could result in the closing of your ezpayments account. Payments to payees outside of the United States are prohibited. You do not have a right to cancel or amend a payment, transfer or other instruction once we have received it. If we attempt to reverse a transaction at your request, we assume no liability for any interest or losses that result if the reversal is not affected. If a Bill Payment is cancelled by the bank for any reason, a $30.00 ezpayment Cancellation Fee may be imposed. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Bank will not be liable in any way for damages you incur for any of the following reasons: Delays in mail delivery; Changes to the payee s address or account number unless we have been advised of the change in advance; The failure of any payee to correctly account for or credit the payment in a timely manner; or any other circumstance beyond the Bank s control. If the session during which you schedule a payment or transfer ends by 3:00 p.m., the Bank will consider the payment received on the following business day. For all entries made using the services, the time recorded by the Online Banking Service will be considered the official time of the transaction. If your account does not have sufficient funds to make a payment as of the date the payment is debited from your account, the Bill Payment Service may not submit payments. The Bank will attempt to notify you via eznotice or U.S. Postal Mail that your account has insufficient funds, but the Bank shall have no obligation to process a payment. In all cases, you are responsible for either making alternative arrangements for the payment or rescheduling through the service once funds are available. In the case of recurring payments, only the payment currently scheduled will be impacted and future dates will not be affected. ezcall Limitations: When you complete a transfer using ezcall, both sides of the transaction will memo post to your Account and will affect your available balance immediately. If a transfer is made after 7:30 p.m., it will post to your transaction history during processing at the end of the next business day. Right to Documentation You will receive the following documentation on EFTs: (a) You may receive a receipt at the time you use your Card at a Terminal. If the transaction is $15.00 or less, the Financial Institution is not required to provide a receipt. (b) If you have arranged to have direct deposits made to your Account at least once every 60 days from the same person or company, you can call us at to find out whether or not the deposit has been made; or (c) You will get a monthly statement for your checking Account. You will get a monthly statement for your savings Account for any month in which there is an EFT (other than a balance inquiry); in any case you will get a statement for your savings account at least quarterly. (d) If you have arranged for automatic periodic payments to be deducted from your account and these payments vary I amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. Right to Stop Payment You are not permitted to stop payment on any purchase or cash withdrawal originated by use of the Card. If you have made arrangements with any person or company to regularly withdraw payments from your Account electronically, you can stop any of these payments. Here's how: contact the company first, then call us at or write us at: First Bank Kansas Customer Service Department P.O. Box 1337 Salina, Kansas We must receive your request 3 business days or more before the payment is scheduled to be made. If you request a stop payment online or by telephone, we may also require you put your request in writing within 14 days after notification. You may be charged a stop payment fee of $30.00, as disclosed in the fee schedule. If you order us to stop one of these pre-authorized electronic payments 3 business days or more before it is scheduled, and we do not do so, we may be liable for your losses or damages. Understand the cancellation of a Bill Payment is different from stop payment of check or EFT. A payment may be edited or deleted before 3:00 p.m. Central Time on the process date. Payments that have been remitted electronically cannot be stopped. If a Bill Payment is cancelled by the bank for any reason, a $30.00 ezpayments Cancellation Fee may be imposed. 3

4 Liability Limitations If we do not complete an EFT to or from your Account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for the following: (a) If through no fault of ours, you do not have enough money in your Account or your Account is closed; or (b) If the Terminal where you are making the EFT does not have enough cash; or (c) If the Terminal was not working properly and you knew about the breakdown when you started the EFT; or (d) If circumstances beyond our control (such as fire or flood) prevent the EFT from occurring, despite reasonable precautions that we have taken; or (e) If the EFT would exceed the limit of the overdraft line of credit (if any) associated with your Account; or (f) If the money in your account is subject to legal process, adverse claims, or other encumbrances restricting the EFT; or (g) If you have not properly followed instructions on how to make a transfer; or (h) If we have placed a hold on funds in your Account; or (i) If we have a reasonable basis for believing that unauthorized use of your Card, PIN, or Password occurred or may be occurring; or (j) If we have suspended the use of your card or online services. There may be other exceptions stated in our agreement with you. Your use of available ezbanking or ezcall services may be made by use of certain numbers, codes, marks, signs, passwords (PINs), public or private keys or other means which are acceptable to us to establish your identity and acceptance of the electronic communications. All electronic communications that meet these requirements will be deemed valid and authentic and those electronic communications will be given the same legal effect as written and signed paper communications. Electronic copies of communications are deemed valid and you agree not to contest the validity of the originals or copies, absent proof of altered data or tampering. Disclosure to Third Parties We will disclose information to third parties about your Account or the EFTs you make: (a) Where it is necessary for completing EFTs; or (b) In order to verify the existence and condition of your Account for a third party, such as credit bureau or merchant; or (c) In order to comply with government agency or court orders; or (d) If you give us your written permission. Consumer Liability Unauthorized Transfers: Keep your Card, PIN, Login IDs, Codes and/or Passwords confidential to prevent unauthorized use. For security purposes, we recommend that you memorize your Password and/or PIN. Contact us AT ONCE if you believe your Card, PIN, and/or Password has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. If we reasonably believe your Card, PIN, and/or Password or account has been or may be obtained by an unauthorized user, we reserve the right to block access to services to maintain or restore security to your account, our website and systems. Telephoning is the best way of keeping your possible losses down. During business hours you may call , after hours you may call CANCEL1 ( ), or you may write: First Bank Kansas Customer Service Department P. O. Box 1337 Salina, Kansas If you tell us within 4 business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your Card, PIN, and/or Password without permission. If you do NOT tell us within 4 business days after you learn of the loss or theft of your Card, PIN, and/or Password and we can prove we could have stopped someone from using your card without your permission if you had told us, you can lose as much as $300 as applicable under the Kansas State law. If your statement shows transfers that you did not make, contact us at once. If you do not contact us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days 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 a hospital stay) kept you from telling us, we may extend the time period. Limited Consumer Liability for Unauthorized VISA Network Transactions The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa logo. These limits apply to unauthorized transactions processed on the Visa Network. If you notify us about an unauthorized transaction involving your debit card, and the unauthorized transaction took place on the Visa Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your debit card. The zero liability provisions do not apply to PIN=based or PIN=less debit transactions not processed by the Visa Network, including ATM transactions. 4

5 Illegal use of Debit Card You agree to not use your debit card for any illegal transactions, including illegal internet gambling and similar activities. Your Responsibilities and Our Rights The use of a Card, ezbanking services, and other electronic services presents opportunities for fraudulent transactions and for loss both to you and to us. An EFT withdrawal is different from a withdrawal made by means of a paper check. We have the opportunity to examine the paper check and to refuse payment if it is irregular. An EFT withdrawal, on the other hand, occurs without any exercise of discretion on our part; if funds are available in your Account; our computer debits the Account automatically and instantaneously. Also, it is in your best interest and ours that we know your current mailing address so that you can promptly receive your statements and examine them to detect improper EFTs. Anyone to whom you give your access codes will have full access to your accounts even if you attempt to limit that person s authority. Additionally, that person will have full access to any other of your accounts which are accessed by those access codes, even if those accounts are in your name with another person. You must use caution to protect your Card, PIN, Login, Codes and/or Passwords and other Account information to prevent unauthorized use, which might result in loss to you or to us. Therefore, we reserve the right to permanently or temporarily revoke your right to use the Card, ezbanking, or ezpayments services and to close your Account by sending you a check for the balance if: (a) We have evidence proving your failure to safeguard your Card, PIN, or Password; or (b) You abuse your Account using the Card or ezpayments; (c) You fail to notify us of a change of your address; (d) You fail to protect your Account information If you change your Account information (name, address, etc.), we require that you notify us in writing. Failure to do so may result in suspension of ezbanking, ezapp or ezcall privileges. Our employees or employees of our affiliates will never contact you via phone or requesting your access codes. If you are contacted by anyone requesting this information, please contact us immediately at the phone number shown in the section below. We are not liable for any loss or liability resulting from any failure of equipment or software, or that of an internet browser provider such as Mozilla (Mozilla Firefox browser) or Microsoft (Internet Explorer browser), by an internet access provider, or an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an ezbanking or ezpayments account. The Bank is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may cause your banking information to be vulnerable to unauthorized access in addition to the possibility of corrupting and destroying your programs, files and hardware. In Case of Errors or Questions About Your Electronic Transfers Telephone us at: , or write us at: First Bank Kansas Customer Service Department P. O. Box 1337 Salina, Kansas Notify us as soon as possible if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Please provide us with the following: (a) Your name and Account number; (b) 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; (c) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days if the transfer involved a VISA point of sale transaction processed by VISA) after we hear from you 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 credit your Account within 10 business days(5 business days if the transfer involved a VISA point of sale transaction processed by VISA) 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 within 10 business days, we may not credit your Account. You may ask for copies of the documents that we used in our investigation. We will notify you of the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. If the notice of an error involves an electronic fund transfer to or from an account within 30 days after the first deposit to an Account was made, the applicable time period shall be 20 business days in place of 10 business days, and 90 days in place of 45 days. If the electronic funds transfer was initiated outside of the United States or resulted from a point-of-sale transaction, the applicable time period shall be 90 days in place of 45 days. Visa cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa Check Card use within 5 business days of the notification of the loss. 5

6 Electronic Mail ( ): You should not rely on if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. transmissions that are outside of ezbanking are not secure. We advise you not to send or ask for sensitive information such as Account Numbers, Password, Account Information, etc. via any general public system. The following notice is for those customers completing Pinned transactions internationally: The exchange rate between the transaction currency and the billing currency used for processing international transactions is: A rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. This following notice is for only those customers who receive commercial ACH transactions: Disclosure Regarding Electronic Wholesale Credit Transactions Subject to Uniform Commercial Code Article 4A Provisional Payment: We give credit to you with respect to an automated clearinghouse credit entry until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making the payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt of Entry: Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you. Choice of Law: We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses ( ACH ) and which are not subject to the Electronic Funds Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of Kansas, unless it is otherwise specified in a separate agreement that the law of some other state shall govern

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