First Security Bank & Trust Federa E-SIGN Act Discosure and Consent Pease read this Federa Eectronic Signatures in Goba and Nationa Commerce Act ( E-Sign ) Discosure and Consent carefuy and keep a copy for your records You can record your consent the E-SIGN discosure by pacing a checkmark in the box on the webpage, if opening an account onine, or by signing this discosure, if opening in person By doing this, you consent the eectronic deivery of any Communication incuding discosures (origina and subsequent), agreements, change in terms notices, terms and conditions, statements, and any other documents You aso agree that we do not need provide you with additiona paper (non-eectronic) copies of the discosures (origina & subsequent), agreements, change in terms notices, terms and conditions, statements, and any other documents, uness specificay requested Once you consent this discosure, requests for paper copies of any of the above mentioned documents may resut in a fee Eectronic Deivery of Discosures and Notices In order access, receive and retain the discosures (origina and subsequent), agreements, change in terms notices, terms and conditions, statements, and any other documents, you must provide, at your own expense, an Internet connected device that meets the minimum requirements outined beow You aso confirm that your device wi meet these specifications and requirements and wi permit you access and retain the discosures (origina and subsequent), agreements, change in terms notices, terms and conditions, statements, and any other documents eectronicay each time you access and use it A Communications in either eectronic or paper format from us wi be considered in writing System Requirements Access Information To receive an eectronic copy of the discosures (origina & subsequent), agreements, change in terms notices, terms and conditions, statements, and any other documents, you must have the foowing equipment and software: -A persona computer or other device which is capabe of accessing the Internet so you can access, receive, retain, and either print or sre the document received -An Internet web browser which is capabe of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of Microsoft Internet Exporer version 90 and your system or device must have 128-bit SSL encryption software -You must have software which permits you receive and access Portabe Document Format or PDF fies, such as Adobe Acrobat Reader version 90 and above -An e-mai account with an Internet Service Provider and e-mai software in order participate in our eectronic communications program Withdrawa of Eectronic Acceptance of Discosures and Notices You may withdraw your consent receive Communications in eectronic form for any of your Accounts by contacting us via emai at eservices@1stsecuritybankcom or by teephone at (641) 228-2343 or by posta mai at First Security Bank & Trust, Attn: eservices Dept, 809 Cark Street, PO Box 577, Chares City, IA 50616 We may treat your provision of an invaid emai address or the subsequent mafunction of a previousy vaid address or canceation of participation in our onine banking product as a withdrawa of your consent receive eectronic communications We wi not impose a fee process the withdrawa of your consent receive eectronic communications Any withdrawa of your consent receive eectronic communications wi be effective ony after we have a reasonabe period of time process your withdrawa How Update Your Records It is your responsibiity provide us with true, accurate and compete e-mai address, contact, and other information reated this Discosure and your Account(s), and maintain and update prompty any changes in this information You can update such information (such as your e-mai address) by sending us a secure message within our Onine Banking or by teephone at (641) 228-2343 or by posta mai at First Security Bank & Trust, Attn: eservices Dept, 809 Cark Street, PO Box 577, Chares City, IA 50616 Pease incude your name, existing information, and updated information Termination/Changes We reserve the right, in our soe discretion, discontinue the provision of your eectronic Communications, or terminate or change the terms and conditions on which we provide eectronic Communications We wi provide you with notice of any such termination or change as required by aw The Undersigned has read and agrees the terms and conditions as stated above Cusmer Signature Date Cusmer Rev 10/15 Signature Acct No Empoyee Initias
estatement Appication To receive estatements, pease compete this form Once processed, you wi receive an emai from First Security Bank & Trust vaidate the emai address provided You wi then receive an emai notification at the emai address you provided on this form when your next statement is produced At that time, you wi need compete the enroment process onine in order receive estatements Last Name / Business Name First Name Midde Initia SSN/TIN Maiing Address City, State, ZIP Home Phone Ce Phone List beow the checking account for which you are an owner and woud ike receive an estatement You wi aso need provide a PIN that wi be used setup your Onine estatement account Account Number Emai Address which the notification wi be sent PIN PLEASE READ You shoud know that you are responsibe for the care and safekeeping of your account number(s) and PIN(s) You are responsibe for notifying us if your emai address is changed Notification of emai address changes shoud be received ten (10) days before the end of your norma statement cyce If your eectronic mai is returned as undeiverabe, an attempt wi be made contact you If contact cannot be made, your account wi be reverted back paper and a copy of your statement wi be sent by US Mai Pease return this appication and signed discosure any of our ocations, or send : First Security Bank & Trust Attn: eservices PO Box 577 Chares City, IA 50616-0577 Bank Use Ony: Empoyee Branch
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these may not be avaiabe at a terminas Pease read this discosure carefuy because it tes you your rights and obigations for these transactions You shoud keep this notice for future reference TYPES OF TRANSFERS, FREQUENCY AND DOLLAR Make payments from LIMITATIONS (a) Prearranged Transfers Get checking account(s) information Preauthorized credits You may make arrangements Get savings account(s) information for certain direct deposits be accepted in your Get cash withdrawas from checking accounts checking and/or savings account(s) Preauthorized payments You may make Get cash withdrawas from saving accounts arrangements pay certain recurring bis from your checking and/or savings account(s) (d) Point-Of-Sae Transactions Using your card: You may access your checking account (b) Teephone Transfers You may access your account(s) account(s) purchase by teephone at 641-228-2500 or 888-532-2500 goods( inperson, byphone, bycomputer), using a uch ne phone, your account numbers, and pay for services ( in person, by phone, your persona identification number (PIN) : by computer), get cash from amerchant, if the Transfer funds from checking savings merchant permits, or from a participating financia Transfer funds from savings checking institution, and do anything that a participating Transfer funds from checking merchant wi accept checking Youmaynot exceedmorethan$ in Transfer funds from savings savings Make payments from checking oan accounts with us Make payments from saving oan accounts with us Make payments from Get checking account(s) information Get savings account(s) information X Get certificate of deposit(s), IRA(s), or oan information X Get information about the ast 60 days of checking and savings account deposits and withdrawas (c) ATM Transfers You may access your account(s) by ATM using your Debit Card and persona identification number : Make deposits checking accounts Make deposits savings accounts Get cash withdrawas from checking accounts you may withdraw no more than per Get cash withdrawas from savings accounts you may withdraw no more than per Transfer funds from savings checking Transfer funds from checking savings Transfer funds from Make payments from checking account (e) Computer Transfers You may access your account(s) by computer by ogging on onine banking at X transactions per www1stsecuritybankcom and using your : Transfer funds from checking savings Transfer funds from savings checking Transfer funds from checking checking Transfer funds from savings savings Make payments from checking oan accounts with us Make payments from saving oan accounts with us Make payments from Get checking account(s) information Get savings account(s) information user name and password X Get oan(s) account information X Make payments from checking third parties with Bi Pay Eectronic Fund Transfers Discosure Woters Kuwer Financia Services -2014 Page 1 of 5
(f) Mobie Banking Transfers You may access your account(s) by web-enabed ce phone by using a downoadabe app or your unique URL and using your password after confirming your security question : Transfer funds from checking savings Transfer funds from savings checking Transfer funds from checking checking Transfer funds from savings savings Make payments from checking oan accounts with us Make payments from saving oan accounts with us Make payments from Get checking account(s) information Get savings account(s) information Get oan account(s) information X Make payments from checking third parties with Bi Pay X Make mobie deposits of check your checking or savings account(s) some other method) trusted third parties whom you have authorized initiate these eectronic fund transfers Exampes of these transfers incude, but are not imited : Eectronic check conversion You may authorize a merchant or other payee make a one-time eectronic payment from your checking account using information from your check pay for purchases or pay bis You may: Not exceed more than by eectronic check per payments Make payments by eectronic check from Payments are imited per Eectronic returned check charge You may authorize a merchant or other payee initiate an eectronic fund transfer coect a charge in the event a check is returned for insufficient funds You may: Make no more than payments per for eectronic payment of charges for checks returned for insufficient funds Make eectronic payment of charges for checks returned for insufficient funds from Payments are imited per Youmaybechargedaccessfeesbyyourcephone provider based on your individua pan Web access is needed usethis service Check with your ce phone provider for detais on specific fees and charges (g) Eectronic Fund Transfers Initiated By Third Parties You may authorize a third party initiate eectronic fund transfers between your account and the third party' s account These transfers make or receive payment may be one-time occurrences or may recur as directed by you These transfers may use the Aumated Cearing House (ACH) or other payments network Your authorization the third party make these transfers can occur in a number of ways For exampe, your authorization convert a check an eectronic fund transfer or eectronicay pay a returned check charge can occur when a merchant provides you with noticeand you go forward with the transaction (typicay, at the point of purchase, a merchant wi post a sign and print the notice on a receipt) In a cases, these third party transfers wi require you provide the third party with your account number and financia institution information This informationcanbefoundonyourcheckasweasona deposit or withdrawa sip Thus, you shoud ony provide your financia institution and account information(whether over the phone, the Internet, or via GENERAL LIMITATIONS In addition those imitations on transfers esewhere described, if any, the foowing imitations appy: Transfers or withdrawas from a savings/money market account another account of yours or a third party by means of a preauthorized or aumatic transfer or teephone order or instruction, computer transfer, or by check, draft, debit card or simiar orderathirdparty,areimited caendar month per If you exceed the transfer imitations set forth above, your account sha be subject cosure 6 Eectronic Fund Transfers Discosure Woters Kuwer Financia Services -2014 Page 2 of 5
FEES Wecharge Wecharge aumated teer machine point-of-sae termina You may not get a receipt if the amount of the transfer is $15 or ess (b) Preauthorized Credits If you have arranged have direct deposits made your account at east once every 60 days fromthesameperson or company, you can ca us at the teephone number isted beow find out whether or not the deposit has been made (c) In addition, You wi get a monthy account statement from us, uness there are no transfers in a particuar month In any case you wi get a statement at east quartery aresetupuse each our cusmers whose accounts each bunyifthe baance in the fas beow during the X We reserve the right impose a fee and charge fees upon notice you X See Fees and Charges Schedue for additiona fees that may affect your account Except as indicated above, we do not charge for Eectronic Fund Transfers ATM Operar/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operar or any network used(andyoumay becharged a fee for a baance inquiry even if you do not compete a fund transfer) DOCUMENTATION (a) Termina Transfers You can get a receipt at the time you make a transfer or from your account using a(n) You wi get aquartery statement fromuson your savings account if the ony possibe eectronic transfer or from the account is a preauthorized credit If youbringyourpassbookus,wewirecordany eectronic deposits that were made your account since the ast time you brought in your passbook PREAUTHORIZED PAYMENTS (a) Right sp payment and procedure for doing so If youhavedusinadvancemakereguarpaymentsout of your account, you can sp any of these payments Here's how: Ca or write us at the teephone number or address isted in this discosure, in time for us receive your request 3 business days or more before the payment is scheduedbemadeifyouca,wemayasorequireyou put your request in writing and get it us within 14 days after you ca We charge $2800 for each sp payment (b) Notice of varying amounts If these reguar payments may vary inamount, thepersonyouaregoingpay wi te you, 10 days before each payment, when it wi be madeand how muchit wi be (You may chooseinstead get this noticeony when thepayment woud differ by more than a certain amount from the previous payment, or when the amount woud fa outside certain imits that you set) (c) Liabiity for faiure sp payment of preauthorized transfer If youorder ussponeof thesepayments3 business days or more before the transfer is schedued, andwedonot doso, wewi beiabefor your ossesor damages FINANCIAL INSTITUTION' S LIABILITY (a) Liabiity for faiure make transfers If we do not competeatransfer or fromyour account ontimeor in the correct amount according our agreement with you, we wi be iabe for your osses or damages However, there are some exceptions We wi not be iabe, for instance: If, through no faut of ours, you do not haveenough money in your account make the transfer If the transfer woud go over the credit imit on your overdraft ine If the aumated teer machine where you are making the transfer does not have enough cash If theterminaorsystemwasnotworkingproperyand you knew about the breakdown when you started the transfer If circumstances beyond our contro (such as fire or food) prevent the transfer, despite reasonabe precautions that we have taken There may be other exceptions stated in our agreement with you CONFIDENTIALITY We wi discose information third parties about your account or the transfers you make: (1) where it is necessary for competing transfers; or (2) inorderverifytheexistenceandconditionofyour account forathirdparty, suchasacredit bureauor merchant; or (3) in order compy with government agency or court orders; or (4) ifyougiveuswrittenpermission as expained in the separate Privacy Discosure Eectronic Fund Transfers Discosure Woters Kuwer Financia Services 2014 Page 3 of 5 -
UNAUTHORIZED TRANSFERS (a) Consumer Liabiity Te us at once if you beieve your card and/or code has been ost or sen, or if you beieve that an eectronic fund transfer has been made without your permission using information from your check Teephoning is the best way of keeping your possibeossesdownyoucoudoseathemoneyinyour account (pus your maximum overdraft ine of credit) If you te us within 2 business days after you earn of the oss or theft of your card and/or code, you can ose no more than $50 if someone used your card and/or code withoutyourpermissionaso,ifyoudonotteuswithin 2businessdaysafteryouearnof theossortheft of your card and/or code, and we can prove we coud have spped someone from using your card and/or code without yourpermissionif youhaddus, youcoudose as much as $500 Aso, if your statement shows transfers that youdidnot make,incudingthosemadebycard,code orothermeans,teusat onceif youdonot teuswithin 60 daysafter thestatement was maied you, you may not get back any money you ost after the60 daysif we can prove that we coud have spped someone from taking the money if you had d us in time If agoodreason(suchasaongtriporahospita stay) kept you from teing us, we wi extend the time period Visa, Debit Card Additiona Limits on Liabiity for Visa Debit Cards Uness you have been grossy negigent or have engaged in fraud, you wi not be iabe for any unauthorized transactions using your ost or sen Visa card This additiona imit on iabiity does not appyatmtransactionsoutsideof theus,atm transactions not sent over Visa or Pus networks, or transactions using your Persona Identification Number which arenot processed by Visa Visais aregistered trademark of Visa Internationa Service Association MasterCard, Debit Card Additiona Limits on Liabiity for You wi not be iabe for any unauthorized transactions using your MasterCard debit card if: (i) you can demonstrate that you have exercised reasonabe care insafeguardingyourcardfromtheriskofossortheft, and (ii) upon becoming aware of a oss or theft, you promptyreporttheossortheft usmastercardisa registered trademark of MasterCard Internationa Incorporated (b) Contact in event of unauthorized transfer If you beieveyourcardand/orcodehasbeenost orsen, ca or write us at the teephone number or address isted at theendof thisdiscosureyoushoudasocathenumber orwritetheaddressisted at theendof thisdiscosure if you beieve a transfer has been made using the information from your check without your permission ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Eectronic Transfers, Ca or Write us at the teephone number or addressistedbeow,assoonasyoucan,if youthinkyour statement or receipt is wrong or if you need more information about a transfer isted on the statement or receiptwemusthearfromyounoaterthan60daysafter we sent the FIRST statement on which the probem or error appeared (1) (2) Te us your name and account number (if any) Describe the error or the transfer you are unsure about, andexpain as ceary as youcan why you beieve it is an error or why you need more information Te us the doar amount of the suspected error (3) If youte usoray, wemay requirethat yousend us your compaint or question in writing within 10 business days We wi determine whether an error occurred within 10 business days (5 business days if invoving a Visa, point-of-sae transaction processed by Visa or 20 business daysif thetransferinvovedanew account)afterwehear fromyou and wi correct any error prompty If weneed moretime, however, wemaytakeup45days(90days if the transfer invoved a new account, a point-of-sae transaction, or a foreign-initiated transfer) investigate yourcompainrquestionifwedecidedothis,wewi credit your account within 10 business days (5 business days if invoving a Visa point-of-sae transaction processed byvisaor20businessdaysif thetransferinvovedanew account) fortheamount youthink isinerror, sothat you wihavetheuseof themoney duringthetimeit takesus compete our investigation If weask you put your compaint or question in writing and wedo not receiveit within 10 business days, we may not credit your account Anaccount isconsideredanew account for30daysafter the first deposit is made, if you are a new cusmer We wi te you the resuts within three business days after competing our investigation If we decide that there was no error, we wi send you a written expanation You may ask for copies of the documents that we used in our investigation Eectronic Fund Transfers Discosure Woters Kuwer Financia Services 2014 Page 4 of 5 -
ADDITIONAL INFORMATION: We may change or terminate this agreement at any time upon proper notice you By signing beow cusmer acknowedges receipt of pages 1, 2, 3, 4 and 5 of this notice: Your account is aso governed by the terms and conditions of other appicabe agreements between you and the bank Signed Dated You agree not use your debit card for any iega gambing or other iega purposes Dispay of a payment card ogo by, for exampe, an onine merchant does not necessariy mean that transactions are awfu in a jurisdictions in which the cardhoder may be ocated INSTITUTION(name, address, teephone number, business days) You agree not revea your PIN any person not authorized by you access your account First Security Bank & Trust Co Additiona Exceptions Liabiity for Faiur Compete Transactions: ~ If we have terminated our Agreement with you ~ When your debit card has been reported ost or sen or we have reason beieve that something is wrong with a transaction ~ In the case of preauthorized transfer, we wi not be iabe where there is a breakdown of the system which woud normay hande the transfer ~ If the funds in the account are subject ega action preventing a transfer or from your account 809 Cark St, PO Box 577 Chares City, IA 50616 Contact us anytime during reguar business hours at (641) 228-2343 or 800-272-0159 Business days are Monday - Friday excuding hoidays There is a daiy imit for a ATM withdrawa transactions Specific doar imits are discosed at the time your debit card is issued We reserve the right change doar imits at any time upon prior notification See Eectronic Fund Transfer Additiona Information Discosure Eectronic Fund Transfers Discosure Woters Kuwer Financia Services 2014 Page 5 of 5 -
First Security Bank & Trust 809 Cark Street PO Box 577 Chares City, IA 50616 800-272-0159 or 641-228-2343 ELECTRONIC FUND TRANSFER ADDITIONAL INFORMATION Non-Visa Debit Transaction Processing We have enabed non-visa debit transaction processing This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-visa network) without using a PIN The non-visa debit network(s) for which such transactions are enabed are Acce Network ( 2013 Fiserv, Inc or its affiiates Acce and the Acce ogo are trademarks of Fiserv, Inc) Exampes of the types of actions that you may be required make initiate a Visa transaction on your Visa Debit Card incude signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sae termina Exampes of the types of actions you may be required make initiate a transaction on a PIN-Debit Network incude initiating a payment directy with the bier (possiby via teephone, Internet, or kiosk ocations), responding a ogo dispayed at a payment site and choosing direct payment through that network, and having your identity verified using known information derived from an existing reationship with you instead of through use of a PIN The provisions of your agreement with us reating ony Visa transactions are not appicabe non-visa transactions For exampe, the additiona imits on iabiity (sometimes referred as Visa's zero-iabiity program) and the streamined error resoution procedures offered on Visa debit card transactions are not appicabe transactions processed on a PIN-Debit Newrk *Visa Rues generay define PIN-Debit Network as a non-visa debit network that typicay authenticates transactions by use of a persona identification number (PIN) but that is not generay known for having a card program Currency Conversion and Internationa Transactions For point of sae (merchant) transactions When you use your debit card for this type of transaction and it settes in a currency other than US Doars, the charge wi be converted in the US Doar amount The currency conversion rate used determine the transaction amount in US Doars is either a rate seected by Visa from the range of rates avaiabe in whoesae currency markets for the appicabe centra processing date, which rate may vary from the rate Visa itsef receives, or the government-mandated rate in effect for the appicabe centra processing date The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date Visa USA charges us a 8% Internationa Service Assessment on a internationa transactions if there is no currency conversion If there is a currency conversion, the Internationa Service Assessment is 1% of the transaction As a resut, we wi charge you a 8% internationa transaction fee on a internationa transactions if there is no currency conversion If there is a currency conversion, we wi charge you an internationa transaction fee of 1% of the transaction An internationa transaction is a transaction where the country of the merchant is outside the USA For ATM transactions using Cirrus network When you use your debit card for this type of transaction and it settes in a currency other than US Doars, MasterCard/Cirrus wi convert the charge in a US Doar amount The MasterCard/Cirrus currency conversion procedure incudes use of either a government-mandated exchange rate, or a whoesae exchange rate seected by MasterCard/Cirrus The exchange rate MasterCard/Cirrus uses wi be a rate in effect on the day the transaction is processed This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted your account MasterCard/Cirrus charges us a Currency Conversion Assessment of 20 basis points (2% of the transaction) for performing the currency conversion In addition, MasterCard/Cirrus charges us an Issuer Cross-Border Assessment of 90 basis points (9% of the transaction) on a cross-border transactions regardess of whether there is a currency conversion As a resut, we wi charge you a currency conversion fee of 2% of the transaction if there is a currency conversion and a cross-border transaction fee of 9% of the transaction The cross-border transaction fee is charged on a cross-border transactions regardess of whether there is a currency conversion A cross-border transaction is a transaction processed through the Goba Cearing Management System or the MasterCard Debit Switch in which the country of the merchant is different that the country of the cardhoder