Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts

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1 Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure For Personal Accounts First State Bank Central Texas offers the highest quality banking products and services available. As used in this Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure (the Agreement ), you and yours mean each person with authorized access to your accounts, and We, Us and Bank means First State Bank Central Texas. This Agreement is made to comply with federal law regulating Electronic Funds Transfer (EFT) services, and contains disclosures required by Regulation E that apply to consumer accounts, as they relate to electronic banking services. In addition, this disclosure contains information about terms and fees for some of the accounts we offer. ACH/Direct Deposit Types of preauthorized transfers: You may arrange for us to complete the following preauthorized transfers to your deposit accounts: Accept direct deposits from your employer or other financial institutions to your checking or savings account, Preauthorized transfers to or from account an account at the bank. Fees and Charges: We do not charge consumer accounts for any preauthorized EFTs, We will charge $30.00 for each stop payment order that is placed on a preauthorized transfer. Combined ATM/ Point of Sale/ Debit Card Types of Transactions/Transfers: You may use the card to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. POS transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card with a MasterCard symbol. POS transactions in the United States can be done as signature/credit or pinned/debit. POS transactions outside of the United States where the card is present can only be done using your PIN. Signature transactions will NOT be allowed outside of the United States. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during ATM transactions, your Primary Account will be used for transactions. Your Primary Account number and information may be obtained from the Debit Card Request Form that you signed at the bank. At present, you may use your card to (some of these services may not be available at all ATMs): Withdraw cash from your checking account, Withdraw cash from your savings account, Transfer funds between your checking and savings accounts, Obtain balance information on your deposit accounts. Limitations on Frequency and Amount: You may withdraw up to a maximum of $1, (if there are sufficient funds in your account) per day at the ATM, You may make no more than ten transactions per day, You may purchase up to a maximum of $2,000 worth of goods and services per day, exclusive of ATM withdrawals. Fees and Charges: There is no ATM withdrawal charge at ATMs owned by us, There is a Replacement Card Fee of $5.00 per card. International transactions will be charged a fee up to 1% of the transaction amount. ATM Surcharges: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry). Online Bill Payment Our Online Bill Payment uses the highest standards of encryption available. For consumers, Online Bill Payments are protected by the same laws that protect you from credit card fraud, limiting a consumer s liability to a maximum of $50 for any unauthorized use of your account. Using NetTeller, 180 days of payment history is available. Fees and charges for Online Bill Payment: We do not charge for consumer internet transactions, Some fees may apply to commercial internet transactions. The following limitations may be applicable to your accounts, except as provided by law: Liability for Unauthorized Point of Sale (POS) transactions: TELL US AT ONCE, if you believe your Debit Card has been lost or stolen or if there are any unauthorized transactions. Your liability for unauthorized POS transactions that take place on your account are $-0- under the following conditions: Your account is in good standing, You have exercised reasonable care in safeguarding your card, You have not reported two or more unauthorized events in the past 12 months. We may require you to provide a written statement regarding claims of unauthorized POS debit card transactions. Unauthorized Use means that the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. These provisions limiting your liability do not apply to Debit Cards issued on Commercial Accounts, ATM transactions and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceed to the extent allowed

2 under applicable law (See Liability for Unauthorized Transfers, below) only if we determine that you were grossly negligent or fraudulent in the handling of your account or POS debit card. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth below. This will help prevent future unauthorized access to your account and minimize any inconvenience. In addition to the limitations set forth above, the following limitations may be applicable to your account: Liability for Unauthorized Transfers on Consumer Accounts: TELL US AT ONCE if you believe your card, PIN or Audio Response System PIN has been lost or stolen. Contact us by telephone at once to advise us of any unauthorized transaction as it is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) business days, you could lose no more than $50.00 if someone used your card or code without permission. If you do not tell us within two (2) business days after you have learned of the loss or theft of your card or code, and we can provide that we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $ Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, or delivered to you electronically, you will not get any money lost after the sixty (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 hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without permission, call or write us: First State Bank Central Texas P. O. Box 6136 Temple, Texas Business Days: For the purposes of this Electronic Funds Transfer, Internet and Mobile Banking Agreement and Disclosure, our business days are Monday Friday. Holidays are not included. Stop Payment Orders on ATM, POS or Debit Card Transactions: You may not place a Stop Payment Order on any ATM, POS or debit card transaction. Preauthorized Electronic Fund Transfer: Stop Payment Rights: If you have told us in advance to make regular electronic fund transfers out of your account(s), you can stop any of these payments. Call us or write us in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. We will charge you $30.00 for each Stop Payment Order you place. Notice of Varying Amounts: If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment, when the payment will be made and how much it will be. 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. Liability for Failure to Stop Payment of Preauthorized Transfers: If you order us to stop one of the payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses and damages. Our Liability for Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: If through no fault of ours, you do not have money in your account to make the transfer, If the money in your account is subject to legal process or other claim restricting such transfer, If the transfer would go over the credit limit on your overdraft line, If the ATM where you are making the transfer does not have adequate cash, If the terminal or system was not working properly and you knew about the breakdown when you started the transfer, If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. Documentation: Periodic Statement: You will receive a monthly account statement from us for your checking account. For all other accounts you will receive a monthly account statement from us unless there are no transactions in those accounts in a particular month (in which case you will get a statement at least quarterly). You will receive a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit. Terminal Receipt: You can receive a receipt at the time you make any transfer to or from your account using one of our ATMs or POS terminal. The bank is not required to make available a receipt if the amount of the transfer is $15 or less. Direct Deposit: If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at to find out whether or not the deposit has been made. In Case of Errors or Questions about Your Electronic Transfers: Telephone or write us: First State Bank Central Texas P. O. Box 6136 Temple, Texas

3 As soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your Name and Account Number (if any), Describe the error or the 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, 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 ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10 business days for the amount you think is in error, so that you will have 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 ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves an electronic funds transfer that occurred with thirty (30) days after the first deposit to the account was made, the applicable time periods for the action shall be twenty (20) business days in place of the ten (10) business days. If a notice of error involves an electronic funds transfer that was initiated in a foreign country, occurred within thirty (30) days after the first deposit to the account was made, or is a point of sale debit card transaction, the applicable time period for action shall be ninety (90) calendar days in place of forty five (45) calendar days. If a notice of error involves unauthorized use of your point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay. If we determine that previously issued provisional credit should be revered, Notice of Reversal of Provisional Credit will be provided to you. If we debit your account to reverse a provisional credit, we will honor checks, drafts or similar instruments payable to third parties and preauthorized transfers from your account (without charge to you as a result of an overdraft) for five (5) business days after the notification. Confidentially: We will disclose information to third parties about your account or the transfer you make: To complete transfers as necessary, To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant, or If you give us your written permission. Personal Identification Number (PIN)): The ATM PIN, POS PIN or Audio Response PIN issued to you is for security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping your PIN(s). You agree not to disclose or otherwise make your ATM PIN, POS PIN, or Audio Response PIN available to anyone not authorized to sign on or access your accounts. First State Bank Central Texas Hotline, our 24 Hour Audio Response System You may access your deposit accounts by using a separate personal identification number (PIN) assigned to you and your account number in our Audio Response System. At the present you may use the system to: Transfer funds between your deposit accounts, Give you tax information on interest earned or paid on your accounts, Obtain balance information on your deposit accounts, Determine if a particular check as cleared your account. Limitations on Frequency and Amount: Transfers from savings deposit account to another account or to third parties by preauthorized, automatic, or telephonic (including data transmissions) and checks, drafts, and debit cards agreement are limited to six per month. Transfers from savings deposit account to another account or to third parties are unlimited by mail, messenger, automatic teller machine or in person. Fees and Charges for Audio Response Transactions: We do not charge for any Audio Response Transactions. Internet Banking (NetTeller Online Banking Services) You may access your accounts by requesting the online banking services that use the internet. We will provide you with a user identification number and password. You may: Transfer from checking to savings Transfer from savings to checking Inquire on checking, savings, IRAs, CDs and Loans Use for Online Bill Payments Obtain Electronic Statements and Notices (estatement, enotice) Limitations on Frequency and Amount: Transfers from savings deposit account to another account or to third parties by preauthorized, automatic, or telephonic (including data transmissions) and checks, drafts, and debit cards agreement are limited to six per month. Transfers from savings deposit account to another account or to third parties are unlimited by mail, messenger, automatic teller machine or in person.

4 Fees and charges for Internet Transactions: We do not charge for consumer internet transactions, Fi (Financial Institution) to Fi (Financial Institution) Transfers First State Bank Central Texas allows you to transfer funds to your Financial Institution checking or savings accounts you may have at other financial institutions. Limitations on Frequency and Amount: Two outbound transfers per day not to exceed a total of $5,000 or the collected balance in your account. The above limits apply to the total of all transfers of a specific type for all accounts enrolled in the Service. We may change your dollar limits and transfer limits at any time. Fees and charges: We do not charge for Fi to Fi Transfer transactions. Mobile Banking Use of Service: By using the Mobile Banking Service, you agree to all of the terms and conditions contained in this Agreement and Disclosure. We may offer additional Mobile Banking services and features in the future. Any added Mobile Banking services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added or at the time of enrollment for the feature or service, if applicable. From time to time, we may amend these terms or modify or cancel the Mobile Banking service we offer without notice, except as may be required by Law. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the Service or your Device. Definitions: (1) Device means a supportable mobile device (ex.: a cellular phone or other mobile device) that is web-enabled and allows secure SSL traffic which is also capable of sending and receiving text messages*. Your wireless carrier may assess you fees for data or text messaging services. Please consult your wireless plan or provider for details. (2) Mobile Banking means the banking services accessible from the Device you use for Mobile Banking. Description of Service: Mobile Banking is offered as a convenience and supplemental service to NetTeller Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your account information, pay bills to established payees, transfer funds between your accounts and conduct other banking transactions. To utilize the Mobile Banking Service, you must be enrolled in NetTeller Online Banking services. We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Service at any time. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. FSBCT cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues. Device Compatibility: While many devices can use this Service, not all wireless devices will be able to do so. You also acknowledge that equipment and software used in these devices change over time, and so the Service may not be available at all times or may have to be suspended or discontinued for a device that at one time was able to access the Service. While we will use reasonable efforts to make the Service compatible with mobile devices, you agree that we have no obligation to provide the Service with respect to any particular wireless mobile device. Other Agreements: You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us. Any deposit account, loan or other banking product accessed through this Service is also subject to the Account Agreements and Disclosures provided at the time of Account opening. You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile Banking. The accounts that you access using the Service are subject to the terms and conditions of the deposit agreement for those accounts and the terms and conditions for Online banking. If a banking transaction is initiated by the use of your mobile device, using your NetTeller User ID and Password, you agree that we may rely upon that communication and act upon it to complete the transaction as directed. Security: Consistent with our privacy and data security policies, we will use reasonable means to secure the information that is sent to you through the Mobile Banking Service. However, wireless communications are capable of being intercepted, and our reasonable security measures may be defeated by third parties. Moreover, your use of mobile devices may provide an opportunity for others to view your banking information on your device. You agree that use of the Service may present these and other additional security risks, and you agree to assume these additional risks and acknowledge that the Bank has no responsibility for

5 the wrongful or criminal acts of third parties or your negligence in using the service. We reserve the right at all times to take actions to protect our systems and information, including denial of access to users of the Service. You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person. You agree not to use any personally identifiable information when creating shortcuts to your Account. You shall be responsible for keeping us informed of any breach of any security application. If you permit other persons to use your Device, login information or other means to access Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representations that Mobile Banking Service will be available for use in locations outside of the United States. Accessing Mobile Banking Service from locations outside of the United States is at your own risk. We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Mobile Banking Services at any time. Mobile Banking may not be accessible over some network carriers. User Conduct: You agree not to use Mobile Banking Service or the content or information delivered through Mobile Banking Service in any way that would be considered illegal. Indemnification: Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless First State Bank Central Texas, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (1) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (2) your violation of any law or rights of a third party; or (3) your use, or use by a third party, of Mobile Banking. Please contact us at with any questions you may have regarding the above information and disclaimers. Notices: All notices from us will be effective when we have mailed or delivered them to your last known address on our records or delivered them via Online Banking if you have selected electronic delivery of this information using the estatement and/or enotice feature(s). We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of an change is made on a consumer account, as required by law. The use of our services is subject to existing regulations governing your account and any future changes to those regulations. Other Provisions: There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of the funds deposited at ATMs. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Enforcement: In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorneys fees and costs, including fees on any appeal, subject to any limits under applicable law. Termination of ATM, POS, Audio Response System or Online Banking Services: You agree that we may terminate this Agreement and your use of the ATM/POS Card, Audio Response System access or Online Banking Services access, if: You or any authorized User of your ATM/POS Card, Audio Response System, or Online Banking Services breach this or any other agreement with us, We have reason to believe that there has been an unauthorized use of your ATM/POS card, Audio Response System PIN or Online Banking User ID and Password, We notify you or any other party to your account that we have cancelled or will cancel this Agreement, You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of services will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. January, 2013