tr CONSUMER AND SMALL BUSINESS ONLINE ACCESS AGREEMENT

Transcription

1 Please read the disclosure below and accept the Agreement. tr CONSUMER AND SMALL BUSINESS ONLINE ACCESS AGREEMENT The following document represents the terms and conditions of the Online Banking program and Online Financial Services ( Services ). By selecting one of the boxes on the acceptance page you acknowledge that you agree/disagree to these terms and conditions. It is recommended that you retain this document for your records. ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT A. Your Consent is Required: You must consent to receiving the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will apply to the legal disclosures, agreements and instructions that are related to the products you have selected. By proceeding with this application process, you affirmatively consent to receiving the legal disclosures, agreements and instructions electronically that are related to your accounts. If you do not consent to electronic delivery of such documents, please exit the application now and contact your local KleinBank branch to open an account in person. If you choose to enroll in our estatements service, then your consent will also apply to the electronic delivery of your account statements and notices as further outlined elsewhere in this Agreement. Additional steps are necessary to enroll in specific Online Financial Services. Please follow the instructions provided through Online Banking. B. Withdrawal of Consent: You have the right to withdraw your consent to receive legal disclosures, agreements and instructions electronically that are related to your accounts. You may withdraw your consent by either closing out of the application process or, if you have opened an account, contact our Solutions Center at (1-888-Klein-4-U). IF YOU WITHDRAW YOUR CONSENT, WE WILL TERMINATE YOUR ONLINE FINANCIAL SERVICES. You may withdraw your consent to the delivery of electronic statements and notices by canceling your estatements service. If you cancel your estatements service, there may be fees associated with the delivery of your paper statements and notices. C. Paper Copies and Updating Information: You may request a paper copy of your related legal disclosures, agreements and instructions by contacting our Solutions Center at (1-888-Klein-4-U). We will not charge you any fees for providing you a copy of the disclosures, agreements and instructions. If you are enrolled in the estatements service and would like to receive a paper copy of a statement, please contact the Solutions Center. There may be a fee to receive prior copies of your statement, please refer to the Schedule of Miscellaneous Services and Fees or contact the Solutions Center. You may update your address by contacting the Solutions Center or once authenticated to Online Banking. D. System Requirements to Access the Information: To receive an electronic copy of the requested document, you must have the following equipment and software: 1. You must have a personal computer or other access device, which is capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider). Your access to this page verifies that your system meets these requirements. 2. Your computer or access device must have a compatible browser as listed on Your Online Banking session may display differently in different browsers. Your Internet browser must be capable of supporting 128bit SSL encrypted communications. Your access to this page verifies that your browser and encryption software meets these requirements. 3. Adobe Acrobat Reader software is required to view online statements and disclosures in Portable Document Format (PDF). If you do not have Adobe Acrobat Reader on your computer, you may go to and follow their instructions to download the program free of charge. E. System Requirements to Retain the Information: In order to keep copies for your records you will need access to a printer or the ability to download information to your computer s hard drive. ONLINE BANKING A. Agreement: This Online Access Agreement ( Agreement ) contains the terms that govern your use of the Online Banking services through the website (the Website ). This Agreement is between KleinBank and the Customer or you or your. The designations the Customer or you or your apply to the individual person, if this is a consumer account, the proprietor of a sole proprietorship, or the entity, for example a limited liability company or corporation, as a whole if this is a business account. The terms us, we, the Bank or our refer to KleinBank. By using Online Banking to access an account you are agreeing to the terms of this Agreement. Examples of accounts that you may elect to access include deposit accounts, (checking, savings, and certificates of deposit), and loans. Your accounts will continue to be subject to the agreements otherwise governing them, including without limitation our Deposit Account Terms and Conditions, except where it is noted in this Agreement. Additionally, each account will be subject to the following: 1. The terms or instructions appearing on a screen when using Online Banking; 2. KleinBank rules, procedures and policies applicable to each account; 3. The rules and regulations of any funds transfer system used in connection with Online Banking, and Rev 10/1/2015 1

2 4. All applicable state and federal laws and regulations. To access an account you must have a password and the required hardware and software. Subject to the terms of this Agreement, you will generally be able to access your accounts through the Website seven days a week, 24 hours a day. At certain times, a Service may not be available due to system maintenance or circumstances beyond our control. During these times, you may use KleinLine ( ) or any automated teller machine (ATM). B. Electronic Mail ( ): One way of communicating with the Bank is by sending an . Our website and Online Banking provide forms for you to submit questions about your account(s) or provide comments on the Service. We cannot ensure the security of communications. You should not indicate specific account numbers, your social security number or your Online Banking password in your comments. You cannot use to initiate transactions on your accounts. For transactions, please use the appropriate functions within Online Banking, or call (1-888-Klein-4-U). C. Online Financial Services: You may use Online Banking to obtain balance information, transaction history, statements and other information and to request electronic funds transfers. Through Online Banking, you may also sign up for Bill Payment Services, Mobile Banking, My Deposit/My Deposit Mobile, External Funds Transfer, estatements, FinanceWorks TM and Purchase Rewards, which are described below. In some instances, balances and transaction history may only reflect activity conducted through the close of the previous business day. KleinBank may, from time to time, introduce new Services, such as new product enhancements, convenience services, etc. We will announce new Services through the Website. By using a Service, you agree to be bound by the terms contained in this Agreement at the time of use and additional agreements applicable to your particular financial services and products. D. Fees: Fees may apply for the Online Banking Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the Online Banking Service for more information. E. Security: Information you provide in connection with Services is protected by advanced encryption techniques. These security measures are intended to protect this important information so that it may only be used by you; however, these security features are contingent on your protecting your Username and Password for Online Banking (See "Protecting Your KleinBank Username and Password" below). F. Protecting Your KleinBank Username and Password: As a KleinBank Online Banking customer you have chosen a Username and Password to access your accounts and statements. Except as provided elsewhere in this Agreement or as required by applicable law, you are responsible for all transactions and other activities that occur or are undertaken using your Username and Password. You are also responsible for keeping your Username and Password confidential and for ensuring you have logged off of Online Banking when your session is complete to prevent unauthorized users from accessing your Online Banking account. You agree that you will be the only user of your Username and Password, that you will not transfer or disclose any of this information to any other persons, and that you will be responsible for all usage of Online Banking and any fees associated with use of other services accessed through Online Banking on your account whether or not they are authorized by you. You agree to immediately contact our Solutions Center at (1-888-Klein-4-U) if you know or suspect any unauthorized use of your Username and Password. Please use maximum care in protecting your Username and Password from disclosure to anyone else - you may ultimately be responsible for any transactions or actions made by a party accessing your Online Banking by using your Username and Password. G. Disclosure of Account Information to Others: We disclose information to third parties about you and your accounts and transactions where it is necessary for completing transactions and bill payments. The Bank currently has an agreement with outside vendors under which the vendors assist in the provision of functions. We provide the vendors with information about your accounts, your transactions, and your electronic messages in order to carry out your instructions. Vendors maintain the confidentiality of your information and use it only as necessary to process your transactions. H. Waiver of Requirement For Two or More Signatures You agree that any requirement of verifying two or more signatures on any item, such as checks, will not apply to electronic transfers, and we will have no liability when making these kinds of transfers without the requisite verification. This means that any person who is an authorized signer on your deposit account is authorized by you to individually make electronic transfers, even though that person's authority to transfer or withdraw funds from your account by some other means (e.g., by check) must be exercised jointly with one or more other persons. This provision controls and takes precedence over any conflicting provision in any other agreements you have with us. Rev 10/1/2015 2

3 ELECTRONIC FUND TRANSFER PROVISIONS FOR CONSUMERS AND SOLE PROPRIETORS ONLY A. Applicability: The provisions in this section apply only to Electronic Fund Transfers (EFT) that debit or credit a consumer or sole proprietor's checking, savings or other asset account and are subject to the Consumer Financial Protection Bureau s Regulation E. This section does not apply to business checking or savings accounts. KleinBank may, when applicable, rely on any exceptions to the provisions in this section that are contained in Regulation E. All terms not otherwise defined in this Agreement which are defined in Regulation E will have the same meaning when used in this section. B. Your Liability: Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows: 1. If you notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us. 2. If you fail to notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $500 or the sum of a. $50 or the amount of unauthorized EFTs that occur within the two business days, whichever is less; and b. the amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that two-day period. 3. You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish would not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts described in the immediately preceding sections 1 or 2 above. C. Telephone Number and Addresses: If you believe that an unauthorized EFT has been or may be made against your account, please contact us immediately by one of the following methods: 1. Visit or write to the Bank at the address as indicated on your monthly checking statement; 2. Call (1-888-Klein-4-U), during regular banking hours ; 3. Write to KleinBank Service Center, Attention Online Banking CSR, P.O. Box 487, Chaska, MN 55318; or 4. Send an to us through Online Banking or use the Contact Us form available at Do not include your account number, Username or password in the Contact Us form. D. Business Days: Our business days are Monday through Friday excluding Federal Reserve Bank holidays. E. Documentation: If you have arranged preauthorized deposits the company making the deposit may notify you when a deposit is made and you may call us at (1-888-Klein-4-U) to verify the deposit of funds. In any event, you will get a monthly account statement from us for any deposit account on which there is a deposit, withdrawal or transfer in a particular month. F. Confidentiality: We will disclose information to third parties about your account or the transfers you make: 1. Where it is necessary to complete transactions; 2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; 3. In order to comply with government agency requests, court orders or legal process; or 4. If you give us written permission. G. Error Resolution: In Case of Errors or Questions About Your Electronic Funds Transfers, telephone us at (1-888-Klein-4- U) or write us at KleinBank Service Center, Attention Online Banking CSR, P.O. Box 487, Chaska, MN as soon as you can, if you think your statement or receipt is wrong or if you need more information about an EFT listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 1. Tell us your name and account number (if any). 2. 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. 3. 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 for Debit/ATM card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for (5 business days for Debit/ATM card point-of-sale transactions and 20 business days if the transfer involved a new account) 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. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and will revoke any provisional credit that has already been posted to your account. Rev 10/1/2015 3

4 You may ask for copies of the documents that we used in our investigation. H. Limitations on Number of Funds Transfers. Federal regulations limit the number of transfers made by check, telephone, Online Banking and overdraft protection, as well as preauthorized transfers (including automatic transfers and electronic funds transfers) to no more than six (6) per calendar month for certain savings accounts and money market accounts. BILL PAY SERVICE A. Description of the Bill Pay Service: Additional steps are necessary to enroll in specific Online Financial Services. Please follow the instructions provided through Online Banking. The Online Banking Bill Pay Service ( Bill Pay Service ) allows you to schedule bill payments. You can arrange, at your option, for the payment of your current, future and recurring bills from your checking account ( Bill Pay Account ) up to $9,999 per payment and $19,999 per Business Day. There is no limit to the number of payments that may be authorized subject to available funds and federal regulations. By furnishing us with the names of your payees and their addresses, you authorize us to follow the payment instructions to these payees that you provide us via the Bill Pay Service. In some instances, we may submit payments to the best known payee address. When necessary, we will reformat your payee account number to match the format required by your payee for electronic payment processing. B. Definitions "Payee" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be. "Payment Instruction" is the information provided by you for a bill payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date). "Bill Pay Account" is the checking account from which bill payments will be debited. Business Day is Monday through Friday excluding Federal Reserve Bank holidays. Cutoff Time is 3:00 p.m. Central Standard Time for the Service. See the Expedited Payments section for applicable Cutoff Times. "Deliver By Date" is the day you want your Payee to receive your bill payment. If the Deliver By Date falls on a non-business Day it will be considered to be the previous Business Day. "Due Date" is the date reflected on your Payee statement for which the payment is due; it is not the late date or grace period. "Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing. C. Payment Scheduling: The date the payment is to be received by the Payee is called the "Deliver By Date". When we receive a Payment Instruction (for the current or a future date) we will remit funds to the Payee on your behalf from the funds in your Bill Pay Account in advance of the Deliver By Date. Funds for electronic bill payments will be withdrawn from your Bill Pay Account on the Deliver By Date. Funds for check bill payments will be withdrawn when presented by the merchant for payment. The earliest possible Deliver By Date for each Payee will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Deliver By Date less than the earliest possible Deliver By Date designated for each Payee. When scheduling payments you must select a Deliver By Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-business Day. If the actual Due Date falls on a non-business Day, you must select a Deliver By Date that is at least one (1) Business Day before the actual Due Date. Deliver By Dates must be prior to any grace period. We reserve the right to select the method by which your bill payment will be transmitted, which may be by electronic funds transfer, check or any other reasonable method. You agree that all payments issued through Online Banking pursuant to the Bill Pay Service will be deemed authorized by you. D. Prohibited Payments: Payments to Payees outside of the United States or its territories; payments in excess of $9,999 made to any one Payee; payments in excess of $19,999 made to all Payees on any one Business Day are prohibited. Tax payments and court ordered payments may be scheduled through the Bill Pay Service; however such payments are discouraged and must be scheduled at your own risk. In no event shall we be liable for any claims or damages resulting from your scheduling of these types of payments. The Payment Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed by the Bill Pay Service. We have no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, misposted or misdirected payments will be your sole responsibility. E. No Duty to Monitor Payments: We do not have any duty to monitor the payments that are made through the Bill Pay Service. If an authorized representative of yours uses your Bill Pay Account to pay bills which are not yours, you assume the entire risk of loss and will Rev 10/1/2015 4

5 indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with such use. F. Fees: Fees may apply for the Bill Payment Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the Bill Payment Service for more information. G. Change or Stop Payment Instructions: You have the right to change any scheduled Bill Payment. However, you must change a payment before we have begun processing the payment. If you want to change the Payee for a scheduled payment, you must first delete the payment and then schedule a new payment to a different Payee. We are not able to accept a stop payment request for a payment that was sent electronically. Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. We may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed and may not be able to stop payment on a check. If you want to stop any payment that has already been processed, you must contact us at (1-888-Klein-4-U). Although we will make every effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule. Except as stated in this Agreement, any stop payment provisions of the agreement otherwise governing your account that is applicable to checks will also apply to the Bill Pay Service. H. Available Funds in Your Bill Payment Account: To avoid NSF/Overdraft Fees, you are responsible at all times for keeping track of all your transactions and making sure the balance available for withdrawal from your Bill Payment Account is sufficient to cover all your transactions. Subject to the terms of a discretionary overdraft service you may have with us, we will charge you an NSF/Overdraft Fee each time: (1) a Bill Payment (electronic or check) is submitted to us for payment from your Bill Payment Account when, at the time of posting, your Bill Payment Account is overdrawn, would be overdrawn if we paid the item (whether or not we in fact pay it) or does not have sufficient available funds; or (2) we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your Bill Payment Account. We will charge an NSF/Overdraft Fee as provided in this section regardless of the number of times an item is submitted or resubmitted to us for payment, and regardless of whether we pay the item or return, reverse, or decline to pay the bill payment. I. Bill Payment Service Blocks: If we return an electronically originated Bill Payment, your Bill Payment Service will be blocked/suspended. When this happens, we notify you at the address you provided. During the time the Bill Payment Service is blocked, you are able to view your e-bills and cancel any pending payments. You are not allowed to schedule new payments. Single and automatic payments scheduled for delivery during the blocked timeframe are cancelled. Future dated automatic payments are processed once the block is lifted. Bill Payment Service is blocked for three (3) Business Days after you have resolved/paid the returned Bill Payment if we returned the payment for NSF/Insufficient/Unavailable Funds. Bill Payment Service access will be reinstated on the fourth Business Day. If we returned the payment for any other reason, the reinstatement of your Bill Payment Service may be delayed. Your Bill Payment Service is terminated when you do not resolve/pay a returned Bill Payment or your Bill Payment Service is blocked for more than one (1) year. J. Expedited Payments: We will process your request for an overnight check payment if you submit the request through the Bill Payment Service before 6:45 p.m. Central Standard Time on a Business Day. Any request received after this time will be processed on the next Business Day. We process your request for an expedited electronic payment throughout the Business Day as prescribed by the Payee. The earliest possible expedited payment date for each Payee will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select an expedited payment date less than the earliest possible Deliver By Date designated for each Payee. K. Payment Guarantee: If a properly scheduled electronic payment is not received and posted on time by the Payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating. This Payment Guarantee does not apply to payments processed by paper check. Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. We will bear responsibility for any late payment related charges you incur up to $50.00 should an electronic Bill Payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement. The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of an electronic payment, provided that the following conditions are met: 1. The electronic payment was scheduled to be paid as allowed through the Bill Pay Service. 2. The payment was not prohibited as defined elsewhere in this Agreement. 3. The information supplied by you is correct (Payee name and address, your name and account number as it appears on the Payee s records). Rev 10/1/2015 5

6 L. Bill Delivery and Presentment: This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Bill Pay Service's electronic bill options, you also agree to the following: Information provided to the Payee We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally it is your responsibility to maintain all Usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. We may, at the request of the Payee, provide to the Payee your address, postal address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about service and/or bill information. Activation - Upon activation of the electronic bill feature we may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your Username and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification - We will use our best efforts to present all of your electronic bills promptly. In addition to notification within the Bill Pay Service, we may send an notification to the address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Bill Pay Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. We will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We are not responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - You agree to hold us harmless from all claims and liability should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. M. Limitations on Our Liability: We will not be responsible for any charges imposed or any other action taken by a Payee resulting from a Bill Payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we will not be liable if any third party through whom any Bill Payment is to be made fails to properly transmit the payment to the intended Payee. We will also not be liable if you have insufficient available funds in your Bill Pay Account on the Deliver By Date; if a legal order directs us to prohibit withdrawals from the Bill Pay Account; if the Bill Pay Account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. We will not be liable for indirect, special, or consequential damages arising out of the use of the Bill Pay Service. N. Bill Pay Accounts Accessible by More Than One Person: If a Bill Pay Account is owned by more than one person or is accessible by one or more authorized representatives, each such owner or authorized representative may access the Bill Pay Service. The terms of this Agreement apply to each person. Each person may choose to share the same Payee list. Any person may terminate his/her use of the Bill Pay Service without affecting the Bill Pay Service of any other person using that Bill Pay Account. O. Linked Eligible Accounts: All accounts are linked by means of your authority on the account as owner or authorized signer. This means that all accounts will be displayed together. P. Waiver of Requirement For Two or More Signatures: You agree that any requirement of verifying two or more signatures on any item, such as checks, will not apply to electronic transfers, and we will have no liability when making these kinds of transfers without the requisite verification. This means that any person who is an authorized signer on your deposit account is authorized by you to individually make electronic transfers, even though that person's authority to transfer or withdraw funds from your account by some other means (e.g., by check) must be exercised jointly with one or more other persons. This provision controls and takes precedence over any conflicting provision in any other agreements you have with us. Rev 10/1/2015 6

7 MOBILE BANKING A. Description of the Mobile Banking Service: Additional steps are necessary to enroll in specific Online Financial Services. Please follow the instructions provided through Online Banking. Mobile Banking requires Online Banking enrollment. In order to use this service, you need an Internet browser enabled mobile device (i.e. cell phone, Smartphone or tablet). You will be responsible for data charges on your device (please check with your mobile provider). KleinBank does not provide support for any mobile hardware/device. We are not responsible for any errors or failures from any malfunction of your mobile device, the browser or software. You are responsible for the security and security settings of your device. We recommend that you establish password security on your mobile device. KleinBank also is not responsible for any virus or related problems that may be associated with the use of an online system. Your use of Mobile Banking constitutes your acceptance of the terms of this Agreement. B. Protecting Your KleinBank Username and Password: To access Mobile Banking, use your Online Banking Username and Password. Additional authentication is required the first time you access Mobile Banking with your mobile device. We recommend that you change your password regularly. We will act on instructions received under your password. For security purposes, it is recommended that you memorize the password and do not write it down. You are responsible for keeping your password and account information confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account, notify us by using the "Contact Us" feature or call the Solutions Center at (1-888-Klein-4-U). Alternative authentication methods (i.e. TouchID) may be made available. Regardless of the authentication method you use, you are responsible for keeping your device and credentials (i.e. Username/Password, Touch ID) secure. C. Text Banking: The Text Banking Service allows you to conduct certain banking transactions using text messaging. Text Banking requires Online Banking enrollment. You agree to provide us with a valid mobile number. You agree that we may send you text messages through your wireless provider. You are responsible for all charges and fees associated with text messaging imposed by your wireless service provider. You understand that balances provided may not include recent or pending transactions that have not yet posted to your account and that other restrictions may apply. Notify us immediately of any changes to your registered mobile device. D. Fees: Fees may apply for the Mobile Banking Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the Mobile Banking Service for more information. MY DEPOSIT/MY DEPOSIT MOBILE A. Description of the My Deposit/My Deposit Mobile Service: The Deposit/My Deposit Mobile Service allows you to deposit checks using your desktop scanner (My Deposit) or mobile device (My Deposit Mobile). You must enroll in Online Banking and Mobile Banking Services to use the My Deposit Mobile Service. After enrolling in the My Deposit/My Deposit Mobile Service, we will notify you electronically of your approval to electronically transmit a digital image of a paper check(s) to deposit to your KleinBank account. Your use of the My Deposit/My Deposit Mobile Service constitutes your acceptance of this Agreement. Upon receipt of the digital image, we will review the image for acceptability. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that we are responsible for any information you transmit to us. We are not responsible for any image that we do not receive. Following receipt of the image, we may process the image by preparing a substitute check or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole discretion, to accept or reject any item for remote deposit into your account. Any amount credited to your account for items deposited using the My Deposit/My Deposit Mobile Service is a provisional credit and you agree to indemnify us against any loss we suffer because of our acceptance of the remotely deposited check. By your use of the My Deposit/My Deposit Mobile Service you warrant that you will only transmit acceptable items for deposit and have the original items in accordance with applicable laws, rules, and regulations. You promise to indemnify and hold KleinBank harmless for any damages, liabilities, costs, expenses (including attorneys fees) or other harm arising out of any violation thereof. B. Check Processing and Requirements: Any image of a check that you transmit to us must accurately and legibly provide all the information on the front and back of the check at the time presented to you by the drawer. The original check will be transmitted accurately and legibly and will provide the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) payee information placed on the check prior to the time an image of the check is captured and properly endorsed on the back of the check. Checks payable to a third party will not be accepted for deposit (i.e. any item that is made payable to another party and then endorsed to you by such party). If the check is payable to all account owners, then either customer may endorse the check; unless the check is payable with and then all payees must endorse the check to be accepted for deposit. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ( ANSI ), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rev 10/1/2015 7

8 C. Unacceptable Deposits: You are not permitted to deposit the following items: Any item drawn on your KleinBank account; Any item that is stamped with a non-negotiable watermark; Any item that contains evidence of alteration to any of the information on the check, or which you know or suspect, or should know or suspect, is fraudulent or otherwise not authorized by the owner of the account on which the check is drawn; Any item issued by a financial institution in a foreign country; Any item that is incomplete; Any item that is stale dated or post dated ; Savings bonds; Any item that is not payable in US Dollars; Any third party check (any item that is made payable to another party and then endorsed to you by such party). D. Endorsement: Endorsements must be made on the back of the check within 1½ inches from the top edge, although we may accept endorsements outside this space. Your endorsement must include your signature and FOR MOBILE DEPOSIT. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. E. Rejection of Deposit: We reserve the right to reject any item for mobile deposit for any reason, including but not limited to, rejection of a substitute check that was created by another financial institution, customer or any other person. You are responsible for any loss or overdraft plus any applicable fees due to an item being returned. F. Limitations on Frequency and Dollar Amount: Remote deposits are subject to frequency and dollar amount limits. These maximum limits may not be applicable to all customers and are subject to change at any time. The maximum deposit limits that apply to you are shown within the My Deposit/My Deposit Mobile Service. G. Items Returned Unpaid: If images of checks you deposited are dishonored or otherwise returned unpaid by the drawing bank or are returned by a clearing agent for any reason, including, but not limited to issues relating to the quality of the image and or duplication, they will be charged back to your account where they were deposited. You are responsible for any fees and charges caused by this return, including Overdraft Fees, if applicable. H. Business Days and Hours: Our Business Days are Monday through Friday, excluding Federal Reserve Bank Holidays. A deposit received after 5:00 p.m. will be processed the following Business Day. I. Fees: Fees may apply for the My Deposit/My Deposit Mobile Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the My Deposit/My Deposit Mobile Service for more information. J. Funds Availability: Deposited funds accepted through the My Deposit/My Deposit Mobile Service will be available the Business Day after we receive the deposit. You will see the deposited funds in your account when the funds are available. K. Warranties and Representations: By using the My Deposit/My Deposit Mobile Service, you make the following warranties and representations with respect to each image of an original check: Each image of a check you transmit is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check; The amount, the payee, signature(s) and endorsement(s) on the original check are legible, genuine, and accurate; The original check will not be deposited or otherwise endorsed to a third party and no person will receive a transfer, presentment, or return of, or otherwise be charged for the check (either the original check or a paper or electronic representation of the original check) such that the person will be asked to make payment based on a check it has already paid; Other than the digital image of an original check that was remotely deposited through the My Deposit/My Deposit Mobile Service, there are no other duplicate images of the original check; Procedures are in place to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check; The original check deposited using the My Deposit/My Deposit Mobile Service is securely stored for 14 days after you receive confirmation that the deposited check has cleared. After such time, the original check will be destroyed using a cross-cut shredder. The check images captured on my mobile device are stored on the device only until receipt of confirmation that the deposit was accepted and my mobile device remains securely in my possession until the deposit has been completed or the associated images are deleted. EXTERNAL FUNDS TRANSFER (CONSUMERS ONLY) A. Description of External Funds Transfer Service: Within Online Banking, you have the option of participating in the External Funds Transfer Service which allows you to transfer funds between your linked personal deposit accounts at KleinBank and certain deposit or investment accounts owned by you or someone else at other financial institutions. An Inbound transfer moves funds into an account you own at KleinBank from an account you own at another financial institution. An Outbound transfer moves funds from an account you own at KleinBank to an account outside KleinBank that is owned by you or someone else. External Funds Transfer Service is not available for Small Business customers. You will need to provide certain identifying information about each non-kleinbank account in order to register that account for this Service. Rev 10/1/2015 8

9 B. Applicability: The provisions in this section apply only to consumer and sole proprietor checking, savings or other asset account. This section does not apply to business checking or savings accounts. C. Inbound Transfers: For Inbound transfers, you agree that you will only attempt to register non-kleinbank personal accounts that you own or for which you have the authority to transfer funds. Delivery speeds for domestic (U.S.) Inbound transfers are Standard (three Business Days) or Express (next Business Day). Standard transfers: Funds typically will be debited from your account outside KleinBank on the business day or next business day after you direct us to initiate processing of the transfer, and will be credited to your KleinBank account on the third business day after the transfer is initiated. Express transfers: Funds typically will be debited from your account outside KleinBank on the business day or next business day after you direct us to initiate processing of the transfer, and will be credited to your KleinBank account on the next business day after the transfer is initiated. D. Outbound Transfers: Delivery speeds for domestic (U.S.) Outbound transfers are Standard (three Business Days) or Express (next Business Day). Standard transfers: Funds will be debited from your KleinBank account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the third business day after the transfer is initiated. Express transfers: Funds will be debited from your KleinBank account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the next business day after the transfer is initiated. E. Available Funds: You agree that you will have sufficient available funds in the designated deposit account to cover all External Funds Transfers on the date scheduled. If the deposit account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. If we do elect to initiate the transfer, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees and interest thereon, as set forth in your Deposit Account Terms and Conditions. If we do elect to initiate the transfer, you agree to pay all related fees as disclosed in your Deposit Account Terms and Conditions. You agree that we may use any means or routes which we in our sole discretion consider suitable to execute your transfer. Transfers may be made through the Automated Clearing House processor selected by us or directly to another bank, and you agree you will be subject to the National Automated Clearing House Association rules or our agreement with the other bank as applicable. F. Popmoney Service: /mobile transfers ( Popmoney Service ) allows you to send money from your KleinBank checking or savings account to another person by using a recipient's address or mobile phone number. Another person may also send money to your account using your address or mobile phone number. In order to send or receive money transfers, you must register through Online Banking from your personal computer or Mobile Banking from your mobile device. Recipients of your money transfers must also register with Popmoney, a company that arranges electronic money transfers. Once registered, you may send a money transfer using Online Banking or Mobile Banking by entering the address or mobile phone number of the recipient. In addition, money sent to your address or mobile number will be deposited into the KleinBank account you designated when you registered for the service. By participating in the Popmoney Service, you are representing to us that you are the owner or you have the authority to act on behalf of the owner of the mobile phone number or address you are using to send or receive messages regarding money transfers. In addition, you are consenting to the receipt of s or automated text messages from us, or our agent, regarding the transfers and represent to us that you have obtained the consent of the recipients of your intended transfers to the receipt of such s or automated text messages. Once registered, you may make one-time transfers at any time using Online Banking or Mobile Banking by entering the address or mobile phone number of the recipient. An unregistered recipient must register within 10 days and set up the same address or mobile phone number that you entered to send them money. If the recipient does not register, set up an address or mobile number and accept the transfer within 10 days, the transaction will be cancelled. Funds are debited from the sender s account when the transfer is initiated. Once the recipient has successfully enrolled with Popmoney, transfers will automatically be debited from the sender's account and deposited in the recipient's account. If the sender and recipient are both KleinBank customers enrolled in the Popmoney Service, transfers will be immediately debited from the sender's account and reflected in the recipient's account. If both parties are enrolled with Popmoney and you are sending money to a customer of a different bank, the transfer will be immediately debited from your account and, if completed by 7:00 p.m. Central Time, will be delivered to the recipient's bank within three business days. We are not responsible for any failure of another bank to timely credit its customer's account. The transfer process for funds sent to you using your address or mobile number generally takes approximately four business days, subject to the terms of the sender's agreement with its bank. We will deposit the funds into your designated account when the transfer has settled and the funds are available. You acknowledge and agree that payment transfers will be completed using only the address or mobile phone number you enter even if it identifies a person different from your intended recipient. The name you enter will help you identify your intended recipient in the drop down menu and your transaction history but will not be used to process payments. Please make sure you accurately enter the recipient's address or mobile phone number since your obligation to pay for the transfer will not be excused by an error in the information you enter. Transfer Instructions relating to external accounts and the transmission and issuance of data related to such Instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and we agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to an account shall be provisional until such credit has been finally settled by us or the third party institution which holds the account. G. Initiating and Scheduling Transfers: The cut-off time for Standard and Express transfers is 12:00 a.m. Central Time. Any transfer initiated after the applicable cut-off time will be considered as being initiated on the next Business Day. Transfers can be scheduled on either a one-time or a recurring basis. Processing of one-time transfers may be initiated immediately or scheduled for initiation on a future date. Recurring transfers may be scheduled for up to one (1) year in advance for domestic (U.S.) transfers Rev 10/1/2015 9

10 only. The recurring transfer feature may be used when a set amount is transferred at regular intervals. For example, you may schedule a $100 transfer from an account you own at another financial institution to your KleinBank checking account every 2 weeks. Immediate, one-time future-dated and recurring transfers are available for both Inbound and Outbound transfers. In addition to choosing the delivery speed, as described above, you will be asked to pick the date that you want us to initiate the processing of the transfer. For example, if you direct us to initiate processing an Outbound transfer immediately and choose Next Business Day delivery, funds will be debited from your KleinBank account on the Business Day you schedule the transfer and typically will be credited to the receiving account on the next Business Day after the transfer is initiated. One-time future-dated or recurring transfers scheduled for a weekend or a non-business Day will be processed on the prior Business Day. H. Cancelling Transfers: Subject to the limitations in paragraph K. below, you can cancel one-time future-dated and recurring transfers prior to midnight Central Time on the Send On date. This is the preferred method for cancelling transfers. After you cancel a future-dated transfer the status changes to Cancelled. If you direct us to begin processing a transfer immediately or a transfer's status is In Process or Completed, you no longer have the right to cancel it. However, the Bank at its option, may attempt to cancel the transaction, subject to the limitations in paragraph K. below. The easiest and most convenient way to cancel a transfer is through the method described above. However, you also may request to cancel a one-time future-dated or recurring payment by calling us at (1-888-Klein-4-U). If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. You may not call and cancel a transfer whose status is In Process or Completed. If you attempt to cancel a payment or transfer in accordance with the above instructions and we do not do so, we will be liable for your losses or damages, subject to the limitations in paragraph K. below. I. Fees: Fees may apply for the External Funds Transfer Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the External Funds Transfer Service for more information. Please note that your mobile carrier may charge you for text messaging. Please check your mobile service agreement for details on applicable fees. J. Dollar Limits: Limits are in place for External Funds Transfers and are displayed within the Service. We reserve the right to change these limits at any time and without prior notice to you. In the event we determine that there are risks associated with an External Funds Transfer or if we determine you are subject to a "Disqualifying Event," as defined below, we may delay or cancel the transfer and notify you, or direct you to contact us to provide additional details on the transfer before it is initiated or funds are released. Any transfer initiated on a day that is not a Business Day begins processing on the following Business Day and counts toward the applicable dollar limit for the next Business Day. K. Processing Transfers and Disqualifying Events: A transfer remains In Process until fully processed and it will appear as In Process on your External Funds Transfer tab within Online Banking. Transfers remain In Process until the close of business on the day the funds are scheduled to be credited to the receiving account. For Inbound transfers, Standard delivery speed is available to all consumer customers participating in the External Funds Transfers Service, but you agree we may cancel a transfer, without prior notice, upon the occurrence of a "Disqualifying Event," as defined below. You must be approved to make an Express Inbound transfer and are permitted only at our discretion, but you must have completed at least one Standard Inbound transfer involving the same non-kleinbank account no less than 60 days prior to the attempted Express Inbound transfer. You may determine whether you have been approved for Express Inbound transfers by going to the External Funds Transfer tab and selecting Make Transfer, then verify if the Express option is available once an account you own at another financial institution is selected. Once approved, you will remain eligible for Express Inbound transfers, as applicable, unless we provide you with notice, as required by law. We may change your dollar limits at any time. Any decrease will be subject to notice, as required by law, but you agree that we may reduce your limits below the amounts stated above without prior notice upon occurrence of a Disqualifying Event. Each of the following is a "Disqualifying Event": - Any of your deposit accounts with us are not current or are not in good standing. - You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any KleinBank deposit account during the current or 3 prior calendar months. - You have had any prior transfer canceled, revoked, or uncompleted due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason. - Any garnishment, levy, legal order or other seizure of the funds in any of your accounts has occurred. We will use best efforts to provide oral, written or electronic notice to you of rejection of a transfer on the scheduled date of initiation of the transfer; provided, however, that we shall not be liable to you for interest compensation for its failure to give such notice. L. Liability: Any liability for unauthorized Standard and Express transfers involving a transfer to or from a KleinBank consumer or sole proprietor account is specified in the section above titled ELECTRONIC FUND TRANSFER PROVISIONS FOR CONSUMERS. By enrolling in Online Banking and accessing the External Funds Transfers Service using your Username and password, you acknowledge and agree that this system includes security procedures for transfers initiated through this Service that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have Rev 10/1/

11 given us prior notice of possible unauthorized use of your Username and password and we had a reasonable opportunity to act on such notice. If we fail or delay in making a transfer pursuant to your instructions, or if we make a transfer in an erroneous amount that is less than the amount per your instructions, unless otherwise required by law or as otherwise provided in this Agreement, our liability shall be limited to interest on the amount that we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the transfer, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment or transfer in an erroneous amount that exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use of your Username and password as described in this Section above, unless otherwise required by law or as otherwise provided in this Agreement, our liability will be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the transfer to the date of the refund, but in no event to exceed 60 days' interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the prevailing interest rate on your account. Unless otherwise required by law, in no event will we be liable to you for special, indirect or consequential damages including, without limitation, loss or damage from subsequent wrongful dishonor resulting from our acts or omissions or lost profits, even if we are advised in advance of the possibility of such damages. We shall not be liable for your attorney's fees, except as required by law. You expressly agree that KleinBank shall be liable to you only for our negligent performance or non-performance of the services provided pursuant to the External Funds Transfers Service, and that our responsibility shall be limited to the exercise of reasonable and ordinary care. Unless otherwise required by law, we shall not be liable for any error or delay on the part of any third party or for any other act or omission of any third party, including without limitation third parties used by us in executing any payment order relating to a transfer or performing a related act, and no such third party shall be deemed to be our agent. Further, we shall not be liable to you or any third party for failure to execute any transfer or perform a related act if such a failure is due to causes or conditions beyond our reasonable control, including without limitation, strikes, riots, insurrection, war, military, or national emergencies, acts of God, natural disasters, fire, outages of computers or associated equipment, or failure of transportation or communication methods or power supplies. Except as may be limited by applicable law, you agree to indemnify and hold KleinBank and officers, directors, employees and representatives harmless (including payment of reasonable attorney's fees) against any and all liability to third parties arising out of, or in connection with, this Agreement, the External Funds Transfers Service or any actions taken by us pursuant to your instructions. For each transfer, we will a confirmation to you at the address indicated in our records. The confirmation will note the date and the amount of the transfer and the bank or institution to or from which the transfer was made. You agree to examine the confirmation promptly upon receipt and to notify us immediately of any discrepancy between the confirmation and your records. We shall not be liable for interest compensation, as otherwise set forth in this Agreement, unless you notify us of the discrepancy within 30 days from the date of your receipt of the confirmation or your bank statement including the transfer, whichever is earlier. You acknowledge and agree that if a payment order relating to a transfer describes a beneficiary inconsistently by name and account number, payment might be made by the beneficiary's bank on the basis of the account number, even if it identifies a person different from the named beneficiary, and that your obligation to pay the transfer issued by you to us shall not be excused by such payment. We may at our option accept your cancellations or amendments to a transfer. You acknowledge that if we attempt to cancel or amend a transfer, then the reversal request or amendment must be agreed to by each financial institution which has accepted a payment order related to the transfer at issue before it will be acted upon and you further agree that we shall have no liability if a cancellation or amendment is not effected. You agree that you shall indemnify and hold KleinBank and officers, directors, employees, and representatives harmless from and against any and all claims, demands, losses, liabilities, and expenses, including attorney's fees and costs, resulting directly or indirectly from compliance with your cancellation or amendment request. DIGITAL PAY (SMALL BUSINESS ONLY) A. Description of Digital Pay Service: Within Online Banking, you have the option of participating in the Digital Pay Service which allows you to transfer funds between your linked business deposit accounts at KleinBank to accounts at other financial institutions through the Automated Clearing House ( ACH ) operated by the National Automated Clearing House Association, Inc. ( NACHA ). Digital Pay Service is not available for consumer customers. B. Rules: You acknowledge that The ACH Rules (as amended from time to time, the "Rules") are available at and you agree to comply with and be bound by the Rules. C. Transmission of Entries: You will transmit all debit and credit entries to us, on or before the deadlines and will conform all entries to the format, content and specifications contained in the Rules. You authorize us to transmit all entries received in accordance with this Agreement. D. Delivery and Transmission Deadlines: Digital Pay transactions must be received at KleinBank no later than 2:00 p.m. two days prior to settlement date. You may cancel a transmission as described in paragraph J. You realize that if the above deadline is not adhered to, the file may not be processed or transmitted by its settlement date. We will not be held liable due to this late delivery. We shall use reasonable efforts to transmit such entries by the next deposit deadline. E. Security Procedures: You will comply with the Bank s security procedures, instructions, testing requirements, forms, rules and regulations, policies and procedures and all agreements between the Bank and you, as modified from time to time, collectively, (the Security Procedures ). You acknowledge that the purpose of the Security Procedures is for verification of authenticity of such transmission and not to detect an error in the transmission or content of an entry. You shall implement such other commercially reasonable security measures as may be necessary or appropriate, including, but not limited to those provided to safeguard and prohibit unauthorized access to and use of the ACH Network and all banking information related to this Agreement. You will not permit anyone else to have access to any Security Procedure or access the ACH Network. You are solely responsible and liable for the consequences of any misuse or unauthorized use of or access to the ACH Network. If you believe or suspect that any such information or instructions have been known or accessed by unauthorized persons, you agree to notify us immediately. Rev 10/1/

12 F. Bank Obligations: In a timely manner and in accordance with the Rules, we will process, transmit, and settle for the entries received in compliance with the information provided which comply with this Agreement, including the Security Procedures. G. Warranties and Indemnification. You warrant to us all warranties the Bank is deemed by the Rules to make with respect to entries originated by you. H. Provisional Credit: You acknowledge that the Rules make provisional any credit given for an entry until the Bank crediting the account specified in the entry receives final settlement. If we do not receive final settlement, we are entitled to a refund from the credited party and you shall not be deemed to have paid the party. I. Settlement: You will maintain an Account with us at all times during the term of this Agreement and you will maintain in the Account, as of the applicable settlement date, immediately available funds sufficient to cover all credit entries initiated by you. You authorize us to debit your Account on the applicable settlement date in the amount of each entry. J. Cancellation or Amendment: You shall have no right to cancel or amend any entry/file after the transmission deadline noted in paragraph D of this section. However, we shall use reasonable efforts to act on your request to cancel an entry/file before transmitting it to the ACH or crediting an on-us entry. Any such request shall comply with the Security Procedures. We shall have no liability if the cancellation is not effective. K. Rejection of Entries: We shall reject any entry, including an on-us entry, which does not comply with the requirements of this Agreement. We will notify you by phone, mail or electronic notification of such rejection no later than the business day such entry would otherwise have been transmitted by us to the ACH or, in the case of an on-us entry, its effective entry date. L. Notice of Returned Entries: We shall notify you by phone, mail or electronic notification of the receipt of a returned entry from the ACH no later than one business day after the business day of such receipt. We shall have no obligation to retransmit a returned entry if we complied with the terms of this Agreement with respect to the original entry. M. Notifications of Change: We shall, no later than two (2) business days after the receipt of a Notification of Change ( Notice of Change ), notify you by phone, mail or electronic notification of each Notice of Change received by the Bank. You agree to make the changes submitted within six (6) banking days of the settlement date of the original entry or before the next live entry, whichever is later. If the Notice of Change is incorrect, you will notify us. N. Fees: Fees may apply for the Digital Pay Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the Digital Pay Service for more information. O. Liability: The Bank shall be responsible only for performing the services expressly provided for in this Agreement, [and shall be liable only for its gross negligence or willful misconduct in performing those services]. We shall not be responsible for your acts or omissions, (including, without limitation, the amount, accuracy, timeliness or transmittal or authorization of any entry received from you) or those of any other person. In no event shall the Bank have any liability for any consequential, special, punitive or indirect loss or damage, which you may incur or suffer in connection with this Agreement. In addition, we shall be excused from failing to act or delay in acting if such failure or delay is caused by legal constraint, interruption of transmission or communications facilities, equipment failure, war, emergency conditions, acts of God, or other conditions beyond our control. We shall be liable only for your actual damages due to claims arising solely from our obligations to you as provided in this Agreement. P. Inconsistency of Name and Account Number: You acknowledge that, if an entry describes the receiver inconsistently by name and account number, payment of the entry may be made on the basis of the account number even if it identifies a person different from the named receiver. Q. Acknowledgment that Entries May NOT Be Initiated in Violation of any Law: You acknowledge that you will not generate transactions that violate the laws of the United States, including the sanction laws administered by Office of Foreign Assets Control, or the laws of the State of Minnesota. R. Exposure Limits: You acknowledge that we will have in place certain exposure limits relating to this Agreement and that we may establish procedures for reviewing exposure limits on a periodic basis. S. Miscellaneous: We may amend the terms of this Agreement from time to time by notice to you. Either party may terminate this Agreement upon ten (10) days' written notice to the other. We shall have no obligation to transmit entries if you are in default of any of its obligation under this Agreement, including the obligation to pay us for each credit entry. We shall be entitled to rely on any written notice believed by it in good faith to be signed by you. You acknowledge that these Terms and Conditions may also be regulated by the Electronic Fund Transfer Act, the Consumer Financial Protection Bureau s Regulation E, and the Uniform Commercial Code for entries related to consumer accounts. This Agreement shall be governed by and construed in accordance with the laws of the State of Minnesota. T. Data Retention: You shall retain data on file adequate to permit remaking of entries for seven (7) days following the date of their transmittal by us and shall provide such data to us upon request. Without limiting the foregoing, you specifically agree to be bound by and comply with all applicable provisions of the Rules regarding the retention of documents or any record, including, without limitation. In addition, you will employ commercially reasonable methods to securely store all source documents until their destruction, and all banking information relating to entries initiated by you. You shall obtain all consents and authorizations required under the Rules and shall retain such consents and authorization for two (2) years after they expire. Rev 10/1/

13 U. Cooperation in Loss Recovery. In the event of any damages for which the Bank or you may be liable to each other or to a third party pursuant to services provided under this Agreement, the Bank and you will undertake reasonable efforts to cooperate with each other, as permitted by applicable law, in performing loss recovery efforts and in connection with any actions that the relevant party may be obligated to defend or elects to pursue against a third party. ONLINE STATEMENTS (estatements) A. Agreement: Additional steps are necessary to enroll in specific Online Financial Services. Please follow the instructions provided through Online Banking. By accepting the terms and conditions of this Agreement and enrolling in Online Statement delivery ( estatements ), you agree to abide by the terms and conditions set forth in this Agreement and acknowledge your receipt of the Agreement and disclosures contained within this Agreement. You also acknowledge that by accepting these terms and conditions you can indeed view this Agreement produced in Portable Document Format (PDF) and therefore demonstrate your consent and ability to receive Online Statements. By accepting this Agreement you also accept the terms of the E-Sign Act. If you choose not to accept the terms and conditions of this Agreement you will not be enrolled in Online Statements and will not be bound by this section of the Agreement. By accepting this Agreement you expressly consent to allow KleinBank to send communications to your address on file B. Description of Online Statements: By electing to receive your statements online you are agreeing to no longer receive a paper statement by mail. Online Statements may only be viewed electronically in Portable Document Format (PDF) online; you may save the Online Statements to your computer or print at your convenience. Any legal notices that would normally accompany a mailed statement will either continue to be mailed to you or supplied electronically. From time to time we may add to, modify or delete any feature from the Online Statements service at our sole discretion. C. Registration for Online Statements: In order to receive Online Statements you must be a registered Online Banking user as well as have accepted the terms and conditions of this Agreement. Any account owner with joint account relationships can enroll for Online Statements. The account statements will be available for viewing online to all owners of the account who are enrolled in Online Banking regardless of which owner enrolled in Online Statements. D. Fees: Fees may apply for the Online Statements Service. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in the Online Statements Service for more information. E. Eligible Accounts for Online Statements: Online statements are available for consumer checking, savings, money market, and loan accounts. Each account must be individually enrolled for Online Statements. Statements will be available online for viewing with the same frequency as paper statements that were previously mailed to you. Generally, this means on a monthly basis for checking, money market, and loan accounts, and on a quarterly basis for most savings accounts. If you are currently receiving information for multiple accounts on your paper statements be aware that if you enroll in Online Statements you will begin to receive Online Statements for the eligible account types mentioned above and paper statements for any other account you have not listed in the paragraph above. F. Accessing Your Online Statements: Your Online Statements and any legal notices and disclosures will be available to you through Online Banking. You will receive an notification letting you know that your statement is ready to be retrieved. All statements will be in PDF; the statements may be printed or saved to your hard drive for future reference. Multiple copies of your statement may be printed or saved. Your account statements will be available online for up to fourteen (14) months as long as your account is open. In the event you close your account your final account statement will be mailed to you. You can request paper statements to be printed and mailed to you through by calling us at (KLEIN-4-U). A fee may apply for this service. G. Statement Availability Notification: When you sign up to receive Online Statements, you will receive a notification informing you that your statement is ready and available for you to view. This notification will be sent to an address designated by you when you sign up for Online Statements. In the event that you wish to change the designated address, instructions to do so are supplied in the notification or you can contact us at (KLEIN-4-U). It is your responsibility to ensure that we have your current address. Paper statements will not be sent out if an address is rejected. FINANCEWORKS TM A. Description of FinanceWorks TM : FinanceWorks TM allows you to consolidate and track your financial information through Online Banking. B. Account Presentment: FinanceWorks TM is for the presentment of account information from KleinBank and third-party financial institutions, in which you have a customer relationship, maintain accounts or engage in financial transactions ( Account Information ). You will not be allowed to add third-party financial institution accounts if you are in one of the following statuses (or equivalent status) at the third-party financial institution: Rev 10/1/

14 Limbo Pre-registered or New On Hold Locked Needs to accept disclosure Registration approval pending Reset Closed General ledger account Tiered commercial loan We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and addresses, with third-party financial institutions. Any changes will need to be made by contacting the third-party financial institution directly. Additionally it is your responsibility to maintain all Usernames and passwords for all electronic third-party financial institution sites. You also agree not to use someone else's information to gain unauthorized access to another person's account. Your activation of FinanceWorks TM shall be deemed by us to be your authorization for us to obtain Account Information from the third-party financial institutions on your behalf. You will be asked to provide us with your Username and password for that third-party financial institution. By providing us with such information, you authorize us to use the information to obtain your Account Information. This Agreement does not alter your liability or obligations that currently exist between you and third-party financial institutions. C. Liability: NEITHER KLEINBANK NOR FINANCEWORKS TM IS INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. FinanceWorks TM is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through FinanceWorks TM may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant, attorney or other financial advisers who are fully aware of your individual circumstances. D. Fees: Fees may apply for FinanceWorks TM. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in FinanceWorks TM for more information. PURCHASE REWARDS A. Description of Purchase Rewards: Purchase Rewards ( rewards or cash back deals or offers ) are provided pursuant to these terms and conditions and any operating rules or policies that may be published by KleinBank (including our Privacy Policy), as may be amended from time to time. Purchase Rewards provides you with the opportunity to earn cash back with deals based on your use of your eligible KleinBank debit card. If you have an eligible debit card and meet the Purchase Rewards eligibility requirements, the deals recommended for you will appear in Online Banking or in Mobile Banking. We try to match deals to the places you've shopped or to similar places that might interest you. We do not share individually identifiable information with merchants as part of Purchase Rewards, and we offer you the opportunity to hide or opt out of receiving these cash back deals. As always, we will only use personally identifiable information in accordance with our Privacy Policy. B. Redeeming Rewards: In order to redeem a cash back deal you must first click on the deal to load it to your eligible KleinBank debit card and then complete the transaction using that card. The amount of cash back and any specific terms and conditions related to a particular deal will be included in the deals details. However, cash back will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types. Cash back you earn will be posted into the account designated as your cash back account ("Designated Account") in the Purchase Rewards section of Online Banking or Offers or Cash Back Offers in Mobile Banking. You may change the Designated Account to another eligible account at any time Cash back from Purchase Rewards you redeem in a given month will appear as one transaction on the Purchase Rewards page in Online Banking or your Offers/Cash Back Offers in Mobile Banking. Your Purchase Rewards cash back will typically be posted to your account the month after you redeem the deal. For example, any deals you redeem in the month of December will be posted to your account toward the end of January. Since we don't share your personal information with merchants as part of Purchase Rewards, we cannot post the cash back reward to your account immediately at the time of purchase and there may be a delay for your cash back reward to show to be paid. If you would like to see the Purchase Rewards you have redeemed or the total value of the deals you have redeemed to date, please visit the Purchase Rewards Summary tab in Online Banking or the Offers/Cash Back Offers in Mobile Banking. Your Designated Account must be open in order to receive Purchase Rewards cash payments. If your Designated Account is closed but you have other open eligible accounts, we reserve the right to select an alternative Designated Account for you. If all of your eligible accounts are closed by you or us, you forfeit any Purchase Rewards cash payments that you have not yet been awarded. C. Eligible Cards: Only KleinBank debit cards associated with consumer accounts are eligible for use with Purchase Rewards. ATM-only cards and debit cards connected to a Health Savings Account (HSA) are not eligible. Only accounts linked to your unique Online Banking Username will be listed as eligible accounts for Purchase Rewards. D. Fees: Fees may apply for Purchase Rewards. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in Purchase Rewards for more information. Rev 10/1/

15 E. Participating Retailers: When redeeming Purchase Rewards, please refer to the retailer's terms and conditions related to the purchase, including but not limited to, guarantees, warranties, payment terms, shipping, delivery, taxes, return policies and processing of returns. The retailers are solely responsible for the content and offerings presented. We make no warranties and disclaim responsibility for fulfillment of the transaction between you and a participating retailer and, we disclaim any responsibility for the policy positions or business practices of any participating retailer. When redeeming your deals online, please remember that the participating retailers operate their websites with different privacy practices. You should review each retailer's website privacy policy, as we have no control over information that is submitted by you to these third parties. All returns must be made through the retailer. We are not responsible for any returns, and all questions about purchases or returns should be directed to the retailer. F. Hiding or Opting Out of Receiving Rewards: You can choose to hide or opt out of Purchase Rewards at any time. To opt back in to receiving Purchase Rewards follow the onscreen prompts in Online Banking or Mobile Banking. G. Reporting an Error in the Cash Back Amount: If you wish to dispute the amount of cash back posted to your Designated Account in connection with Purchase Rewards, please call us at (KLEIN-4-U). GENERAL PROVISIONS A. Changes: Except as otherwise required by law, rule, or regulation, we may change the terms of this Agreement from time to time and at any time. When changes are made we will update this Agreement at the Website and notify you. The Website will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that it be updated at an earlier time. As always, you may choose to accept or decline changes by continuing or discontinuing the use of Online Banking. B. Notices: UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT WE ARE REQUIRED TO PROVIDE A NOTICE OR OTHER COMMUNICATION TO YOU IN WRITING, THAT NOTICE OR OTHER COMMUNICATION MAY BE SENT TO YOU ELECTRONICALLY TO YOUR INTERNET ADDRESS AS REFLECTED IN OUR THEN CURRENT RECORDS. C. Disclosure of Information: The circumstances under which we will disclose information about you, your accounts, or your Online Financial Services is set forth in the information that has been separately disclosed to you in the contracts, notices, and disclosures that have been separately provided to you and in accordance with our privacy policy disclosed at our Website. D. Other Agreements: This Agreement is intended to supplement and not to supersede any other agreements between you and us relating to your accounts, including without limitation our Deposit Account Terms and Conditions and any loan agreements. In the event of any conflict between this Agreement and any other agreement that applies to your accounts, this Agreement will control unless otherwise specified herein. E. Fees: 1. Fees may apply for Online Banking Services. These fees may be assessed by us or through our business partner(s). Fees are subject to change. See the current Schedule of Miscellaneous Services and Fees and in-session screens in Online Banking for more information. 2. Telephone and Data Charges. You will be responsible for any telephone, internet service provider or mobile access charges which you incur by using Online Banking. 3. Miscellaneous Fees and Charges. The fees that have been separately disclosed to you in connection with your account(s) will continue to apply to those account(s) and to your Online Banking Services. F. Term and Termination: 1. Term. This Agreement will become effective on the effective date and shall remain in full force and effect until termination in accordance with the following provisions. 2. Unless otherwise required by applicable law, KleinBank may terminate this Agreement and/or your access to any Online Financial Service through Online Banking, in whole or in part, at any time. Access to the Online Financial Services through Online Banking, in whole or in part, may be reinstated by us, at our discretion, at any time. If reinstated, the then current terms of this Agreement will control. You may request reinstatement of an Online Financial Service by calling the Solutions Center at ( Klein-4-U). If you decide to terminate the Bill Pay Service, we strongly suggest that you cancel all future bill payments at the same time that you cancel your Bill Pay Service online by calling the Solutions Center at (1-888-Klein-4-U). This will ensure that future payments made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your Bill Pay Service has been terminated. Termination of the Bill Pay Service will not automatically close Accounts. 3. Termination for Cause. We may immediately terminate your online banking privileges (including the Bill Pay Service) without notice to you under the following circumstances. You will remain responsible for all transactions approved by the system prior to the termination, and for any other fees associated with the Service. After termination, Service may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate Service, you must contact our Solutions Center. We will promptly notify you if we terminate this Agreement or your use of the Service for any other reason. Rev 10/1/

16 a. You do not pay any fee required by this Agreement when due or b. You do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing. c. You do not maintain sufficient funds in one of your accounts or cause other circumstances that may create an unanticipated liability to us. d. Your account(s) with us are closed. 4. Termination for Convenience. To terminate this Agreement, you must notify the Bank and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated. Your final charge for the Bill Payment service will be assessed at the end of your statement cycle. You may notify the Bank by one of the following methods: a. By calling (1-888-Klein-4-U) b. By writing a letter and either sending it to the following address: Attention: KleinBank Service Center, 1550 Audubon Road, Chaska, MN or giving it to a Personal/Business Banker at any KleinBank. 5. Inactive Status. We may convert your service to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 12 month period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service. G. Liability and Damage Limitations: OUR LIABILITY. This section explains our liability to you with respect to Online Financial Services. It does not amend or supersede any limitations on our liability set forth in any other agreements concerning your accounts. Under no circumstances will we have any liability to you for failing to provide you access to your accounts through Online Banking. Furthermore, unless otherwise required by applicable law, we will only be responsible for performing the Online Financial Services as expressly stated in this Agreement, and will only be liable for material losses incurred by you to the extent such losses directly result from our gross negligence or intentional misconduct in performing the Online Financial Services. IN NO EVENT WILL WE HAVE LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE OR INDIRECT LOSS OR DAMAGE WHETHER OR NOT ANY CLAIM FOR SUCH DAMAGES IS BASED ON TORT LAW OR CONTRACT LAW OR WE KNEW OR SHOULD HAVE KNOWN THE LIKELIHOOD OF SUCH DAMAGES IN ANY CIRCUMSTANCES. ANY AND ALL WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED INCLUDING BUT NOT LIMITED TO: 1. ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE, PURPOSE OR APPLICATION, OR OTHER IMPLIED CONTRACTUAL WARRANTY; 2. ANY IMPLIED WARRANTY ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING, OR USAGE OF TRADE; 3. ANY WARRANTIES OF TIMELINESS; AND 4. ANY OTHER WARRANTY WITH RESPECT TO QUALITY, ACCURACY OR FREEDOM FROM ERROR. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NEITHER BANK NOR ITS LICENSORS WARRANT THAT OPERATION OF THE ONLINE FINANCIAL SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED. BANK AND CUSTOMER ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS OF LIABILITY AND DAMAGES IN THIS AGREEMENT ARE A BARGAINED FOR ALLOCATION OF RISK, LIABILITY AND DAMAGES, AND AGREE TO RESPECT SUCH ALLOCATION OF RISK AND LIABILITY. EACH PARTY ACKNOWLEDGES AND AGREES THAT THE OTHER PARTY WOULD NOT ENTER INTO THIS ONLINE ACCESS AGREEMENT WITHOUT THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION. We will not be obligated to honor, in whole or in part, any transaction or instruction which: 1. Is not in accordance with any term or condition applicable to the relevant Online Financial Service or account; 2. We have reason to believe may not be authorized by you or any third person whose authorization we believe is necessary or involves funds subject to a hold, dispute, restriction or legal process we believe prevents their withdrawal; 3. Would result in us exceeding any limitation of our intra-day net funds position established pursuant to present or future Federal Reserve guidelines; 4. Would violate any applicable provision of any risk control program of the Federal Reserve or any applicable rule or regulation of any other federal or state regulatory authority; 5. Is not in accordance with any other requirement of our applicable policies, procedures or practices; or 6. We have reasonable cause not to honor for our or your protection. 7. Exceeds the amount of available funds in your account(s). H. Risks of Using the Internet. While KleinBank and its service providers have established certain security procedures, such as firewalls and data encryption, designed to prevent unauthorized access to your accounts or transactions, you acknowledge that the internet is inherently insecure, that all data transfers, including electronic mail, occur openly in the internet and potentially can be monitored and read by others, and Rev 10/1/

17 that there can be no assurance that inquiries or transaction activity will be completely secure. You also acknowledge that access to the Online Financial Services will not be free from delays, malfunctions, or other inconveniences generally associated with electronic media. We cannot and do not warrant that all data transfers using Online Banking, or transmitted to and from us, will not be monitored by others. You agree that KleinBank is not responsible for any such unauthorized access, delays, or malfunctions, and KleinBank is not responsible for the acts of third parties. I. Applicable Law and Jurisdiction: Your access to Online Banking will be governed by and construed in accordance with the laws of the state of Minnesota, excluding its conflict of law principals. By accessing these products and services you submit to venue in and jurisdiction of the Minnesota State Courts located in Carver County, Minnesota. J. Waiver of Trial by Jury: You hereby waive to the fullest extent permitted by law any right to a jury trial in any dispute arising out of or related to your use of Online Banking with KleinBank. K. Indemnification: Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your account, if you are an owner of an account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an account or the performance of an Online Financial Service. This indemnification is provided without regard to whether our claim for indemnification is due to the use of the Service by you or your authorized representative. L. Third Parties: Except as specifically provided in this Agreement or where applicable law requires a different result, neither we nor our service providers or other agents will be liable for any loss or liability resulting in whole or in part from any act or failure to act of your equipment or software, or that of an Internet browser provider such as Microsoft (Microsoft Explorer browser), Google or any other Internet access provider, by an online service provider or by an agent or subcontractor of any of them, nor will we or our service providers or other agents be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of your access to or use of, or failure to obtain access to Online Financial Services through the Service. Rev 10/1/

18 Rev. 11/2014 Privacy Policy KleinBank Please note that this policy is written for the customer and mailed annually. FACTS Why? What? How? What does KleinBank do with your personal information? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and income. Account balances and payment history. Transaction history and credit history. When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons KleinBank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness Does KleinBank share? Yes Yes Yes Yes No Can you limit this sharing? No No No No We don t share. For our affiliates to market to you No We don t share. For nonaffiliates to market to you No We don t share. Questions? Call or go to 11/19/14

19 Rev. 11/2014 Page 2 Who we are Who is providing this notice? What we do How does KleinBank protect my personal information? How does KleinBank collect my personal information? Why can t I limit all sharing? Definitions Affiliates Nonaffiliates Joint marketing KleinBank To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you: Open an account or apply for a loan. Deposit money or pay your bills. Use your credit or debit card. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Federal law gives you the right to limit only: Sharing for affiliates everyday business purposes information about your creditworthiness. Affiliates from using your information to market to you. Sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Companies related by common ownership or control. They can be financial and nonfinancial companies. KleinBank does not have any affiliates. Companies not related by common ownership or control. They can be financial and nonfinancial companies. KleinBank does not share with nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies and agents, investment firms, brokerage houses, and check printers. 11/19/14

20 YOUR DEPOSIT ACCOUNT Terms and Conditions Electronic Transfers Funds Availability Truth in Savings