Online User Agreement

The following information represents the Online Banking Agreement between you and Central State Bank (“Bank,” “we,” “our,” “ours,” us”). This Agreement, including, as applicable, the signature card, rate and fee schedule, Truth in Savings disclosures, Funds Availability Policy Disclosure, Electronic Funds Transfer Agreement and Disclosure, Consent for Electronic Communications and Disclosures, and other instructions and the terms and conditions contained herein relating to specific Services that may be provided in connection herewith (collectively, this “Agreement”), sets forth the terms and conditions governing the provision of Online Banking services to you or anyone authorized by you (collectively, “Customer,” “you,” “your,” “yours”) and describes your and our rights, responsibilities and obligations. Unless otherwise indicated, the provisions of this Agreement apply to both business and consumer customers. If you are a business Customer who utilizes specific services, you may be required to agree to additional terms and conditions. These terms and conditions, if applicable, are incorporated by reference into this Agreement. If you are a business Customer, by completing and signing the Enrollment Form, and/or using one or more of the Services, Customer agrees to, and shall be bound by, the terms, conditions and provisions in this Agreement, including those for each Service which Customer has selected. If you are a consumer, by clicking the “I agree” button at the end of this Agreement, you are electronically signing this Agreement, which shall be considered the same as your authorized written signature constituting your binding agreement to all of the terms, conditions, and notices contained or referenced in this Agreement.

The Bank, in its sole discretion, may not permit Customer to use the Service until the Bank has determined that Customer has accepted or executed the applicable documentation and otherwise provided appropriate information and specifications for the use of the Service, and until the Bank has had a reasonable opportunity to receive and review this Agreement and activate the Service. In any event, Customer agrees that the use by Customer of any Service shall, without any further action or execution or acceptance of any documentation on the part of Customer, constitute Customer’s acceptance of and agreement to the Bank’s terms and conditions for the use of such Service as may be in effect as of the time of such usage, whether set forth in this Agreement or otherwise prescribed by the Bank. In order to activate the Service, you must have at least one Account with us linked to the Service.

Therefore, in consideration of the mutual promises contained herein and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you and the Bank, intending to be legally bound, do hereby agree as follows:

The following terms and definitions apply when used in this Agreement.

1.1. “Access Device” means access equipment, including but not limited to a personal computer or a
Mobile Device, that meets the requirements for use of the Service.

1.2. “Access Device System” means all software, hardware, Access Devices or other equipment
necessary to access the Services.1.3. “Account” or “Accounts” means one or more checking, savings, money market deposit, individual
retirement, certificate of deposit or loan accounts that you have with us.

1.4. "Account Access" means your ability to access account and transaction information on Accounts
and transfer funds between Accounts through the Internet.

1.5. "Account Agreement" means the agreement between you and us that governs the use of your
Account including the deposit account agreement, any funds availability agreement, electronic funds
transfer agreement or disclosure, line of credit agreement, and our schedule of fees and charges.

1.6. "Bill Payment Account" means the Account(s) you have authorized us to debit for payment made
to Payee(s) in connection with the Bill payment service offered as a part of online banking.

1.7. “Bill Payment Service" means our service that allows you to pay or transfer funds to
designated Payees based upon your instructions to us, via any Access Device, entered through Bill
payment service offered as a part of online banking.

1.8. “Bill Payment” or “Payment” means the remittance of funds, initiated through Bill payment
service offered as a part of online banking, from a Bill Payment Account to a Payee.

1.9. “Business Day(s)” means Monday through Friday. Federal Holidays are not included. Some online
transaction deadlines may vary from this definition.

1.10. “Deposit Account Agreement” has the meaning provided in Section 10.7.

1.11. “Electronic” means electrical, digital, magnetic, wireless, optical or electromagnetic
technology, or any other technology that entails similar capabilities.

1.12. “External Transfer” means a transfer of funds between a Central State Bank account and an
account held by another financial institution and transferred through the Automated Clearing House.
External transfers initiated through on-line banking are restricted to consumer accounts only where
the customer has ownership of both accounts involved in the transfer process.

1.13. “Enrollment Form” means the Online Banking Enrollment form for business customers.

1.14. “Funds transfer” or “Transfer” means a transfer of funds, initiated through Online Banking
Service, from one eligible Central State Bank account to another.

1.15. “Mobile Device” means an Access Device that is mobile, including but not limited to a mobile
phone, smartphone, tablet, any personal data assistant, laptop or other wireless device.

1.16. “Online Banking” or “Service” means the service(s) described in this Agreement.
1.17. “Password” means the confidential identification number or other code assigned to you by us
or selected by you for identification purposes in connection with the use of our Online Banking
Services.

1.18. “Payee” means any individual, financial institution, educational institution, company,
merchant or other entity you wish to pay using Bill payment service offered as a part of online
banking.
1.19. “PC” means personal computer (including any personal data assistant or other wireless access
device) that meets the requirements for use of Online Banking Services.

1.20. “Transfer Day” means a business day set forth by the Alabama State Banking Department and/or
the Federal Reserve regarding the settlement and processing of banking transactions. These days are
Monday through Friday and do not include Federally recognized holidays unless specified elsewhere.

Other definitions may be set forth elsewhere in this Agreement.

2.1. Eligibility.

To have access to the Services you must be an authorized user of the Software you select, if
required for use with the Equipment. You must also have at least one eligible deposit or loan
account with us. If you have more than one Account, under common ownership and tax identification
number, we will “link” the Accounts together. Accounts which are "linked" under the Services will
have one common owner and signer. Any signer, acting alone, must be authorized to access a linked
account. Any non-linked account will not be accessible through the Service. Upon enrollment in the
Service, you must designate an Online Banking ID and Password, and answers to security questions
selected by you (“Answers”), which will be required to gain access to the Service (the Online
Banking ID, Password, and Answers collectively are referred to as the “Access Codes”). We recommend
that your Password be comprised of both upper-case letters, lower-case letters, numbers, and
special characters and that it not be easily associated with your personal information, such as
your address, date of birth, or anniversary.

“Eligible Accounts” include the following:

1. Checking (Demand Deposit) Accounts

2. Savings Accounts

3. Money Market Accounts

4. Loans

5. Certificates of Deposit
6. Individual Retirement Accounts

2.2. Security Procedure.

The use of the Access Codes, in addition to other authentication methods described below, is a
security procedure established by the Bank to authenticate the identity of the person attempting to
gain access to the Service. The security procedure is not designed for the detection of errors. We
may require you to change your Access Codes from time to time for security reasons. You should keep
your Access Codes in a secure location. Any person having access to your Access Codes will be able
to access these Services and perform all transactions, including reviewing
Account information and making Transfers to other Accounts and to other persons.
You are responsible for safeguarding the Access Codes. Providing these Access Codes to another
person effectively constitutes a grant of authority to access to your accounts.

2.2.1. You agree to comply with the “Security Procedures” and any other Security Procedures Bank
directs you to use, and you acknowledge and agree that the Security Procedures, including (without
limitation) any code, password, personal identification number, user identification technology,
token, certificate, layered security, or other element, means, or method of authentication or
identification used in connection with a Security Procedure (“Security Devices”), constitute
commercially reasonable security procedures under applicable law for the initiation of the Services
you utilize, including without limitation, transfers and access to confidential information. You
authorize us to follow any and all instructions entered and transactions initiated using applicable
Security Procedures unless and until you have notified us, according to notification procedures
prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised,
or otherwise become known to persons other than you or your representative(s) and until we have had
a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction or
instructions using applicable Security Procedures constitutes sufficient authorization for the Bank
to execute such transaction or instruction notwithstanding any particular designation by you of
authorized persons or signature requirements identified on any signature card or other documents
relating to this Agreement or your deposit account maintained with the Bank, and you agree and
intend that the submission of transactions and instructions using the Security Procedures shall be
considered the same as your authorized written signature in authorizing us to execute such
transaction or instruction. You acknowledge and agree that you shall be bound by any and all
transactions initiated through the use of such Security Procedures, whether authorized or
unauthorized, and by any and all transactions and activity otherwise initiated by you, to the
fullest extent allowed by law. You further acknowledge and agree that the Security Procedures are
not designed to detect error in the transmission or content of communications or transaction
initiated by you and that you bear the sole responsibility for detecting and preventing such error.

2.2.2. You agree to keep all Security Procedures and Security Devices protected, secure, and
strictly confidential and to provide or make available the same only to your authorized
representative(s). You agree not to disclose or provide any Security Procedures or Security Devices
to any unauthorized person. Where you have the ability to change or modify a Security Device from
time to time (e.g., a password or User Name), you agree to change Security Devices frequently in
order to ensure the security of the Security Device. You agree to notify us

immediately, according to notification procedures prescribed by us, if you believe that any
Security Procedures or Security Device have been stolen, compromised, or otherwise become known to
persons other than you or your authorized representative(s) or if you believe that any transaction
or activity is unauthorized or in error. In the event of any actual or threatened breach of
security, we may issue you a new Security Device or establish new Security Procedures as soon as
reasonably practicable, but we shall not be liable to you or any third party for any delay in
taking such actions. If you are a business, you agree to indemnify, defend all claims, and hold the
Bank harmless from any loss, damages, or expenses, including but not limited to attorney’s fees,
caused by you, your employees’, or agents’ failure to keep the Security Procedures or Security
Device confidential and secure.

2.2.3. You agree to notify us immediately, according to notification procedures prescribed by us,
if the authority of any authorized representative(s) shall change or be revoked. You shall recover
and return to us any Security Devices in the possession of any of your authorized representative(s)
whose authority to have the Security Device has been revoked.

2.2.4. We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures,
and/or to cancel or replace any Security Device, at any time and from time to time in our
discretion. We will endeavor to give you reasonable notice of any change in Security Procedures;
provided that we may make any change in Security Procedures without advance notice to you if we, in
our judgment and discretion, believe such change to be necessary or desirable to protect the
security of our systems and assets. Your implementation and use of any changed Security Procedures
after any change in Security Procedures shall constitute your agreement to the change and your
agreement that the applicable Security Procedures, as changed, are commercially reasonable and
adequate for the purposes intended.

2.3. Access.

Services are generally accessible 24 hours a day, seven days a week, except that the Services may
be inaccessible for a reasonable period on a daily basis for system maintenance. We are not liable
under this Agreement for failure to provide access due to a system failure or due to other
unforeseen acts. We may modify, suspend, or terminate access to the Services at any time and for
any reason without notice or refund of fees you have paid. The Bank may change the terms and
conditions of this Agreement from time to time to conform with changes or advancements in our
services, or as required by law or regulation. All such changes will be made according to the
procedures outlined in Article IX. Use of Online Banking after the effective date of such changes
will constitute your consent to the changes.

2.4. Access Device Equipment, Browser Access and Internet Services.

You are responsible for obtaining, installing, maintaining and operating all software, hardware, or
other equipment necessary (collectively, “Access Device Systems”) necessary for you to access and
use the Service. This responsibility includes, without limitation, your utilizing up to date
web-browsers and Access Devices and the best commercially available encryption, antivirus,
anti-spyware, and Internet security software. You are additionally responsible for obtaining
Internet service via an Internet service provider of your choice, for any and all fees imposed by
such Internet service provider, and any associated communications service provider
charges. You acknowledge that there are certain security, corruption, transmission error and access
availability risks associated with using open networks such as the Internet and you hereby
expressly assume such risk, including, but not limited to those we may disclose in our educational
materials. You acknowledge that you are responsible for data security of the Systems used to access
the Service, and for the transmission and receipt of information using such System. You acknowledge
that you have requested the Service for your convenience, have made your own independent assessment
of the adequacy of the Internet and Systems and that you are satisfied with that assessment. The
Bank shall have no responsibility for failures, interruption or other defects in the Services,
which arise from the malfunction or failure of the Internet or your Systems nor are we responsible
for notifying you of any upgrades, fixes, or enhancements to, or
for providing technical or other support for your Systems. The Bank may add to, modify, or replace
software programs used in conjunction with providing the Services under this Agreement at its sole
discretion and without notice, provided Services rendered to you are not substantially negatively
affected or obligations altered.

3.1. Products and Services Offered.

Customers may use the Online Services to:

1. Make transfers between Accounts you may have with us.

2. Make Payments to a Payee from your Account(s) (Bill Payment Service).

3. Obtain Account balances. Your “current” account balance is generally current as of 9:00 a.m.
Central Time (Standard or Daylight) of each Business Day, but may not include recent transactions
(such as checks cashed at a teller on the Business Day). In addition, your account balance may show
funds that have been credited to your account but are not yet available for withdrawal.

4. Review recent transactions on your Accounts. Transaction histories are available for up to 90
days including checks

5. Transfer money to make loan payments.

6. Transfer money from Line of Credit to transactional accounts.

7. Communicate directly with the Bank via the Online Banking secure message center.

8. Download account information in various formats.

9. Issue stop payment orders (excludes paper checks issued via the Bill Payment Service).

10. View/Print check images.

11. *Originate ACH entries.12. Initiate a Wire Transfer request.

13. Person to Person transfers (consumers only)

14. Deposit a check utilizing the camera on a mobile Access Device.

15. Additional business services are available through on-line banking that include, but are not
limited to Business ACH Services, Wire Transfer Requests, Tax Payments, and Positive Pay.

These activities are limited to the extent noted herein and in the agreements governing your
various accounts with us.

*Consumers can initiate ACH entries with a SEC code of WEB only. A business customer can initiate
ACH entries as governed by the terms of the ACH Origination agreement.

3.2. Additional Services.

Additional services may be included in an update to this Agreement or in other separate agreements
to notify you of the existence of any new services available through Online Banking. Information
about new services may be obtained from our website at www.centralstatebank.com. By using these
services when they become available, you agree to be bound by the terms and conditions contained in
this Agreement or separate agreements covering these services.

3.3. Restrictions; Limits.

In most cases you may use Online Banking to gain access to deposit accounts in which you have an
unrestricted right to withdraw funds. However, the Bank, as it may determine at any time and from
time to time in its sole discretion, may deny Online Banking account access, restrict Online
Banking account transactions, or place limits on the specific dollar amount of funds that may be
withdrawn or transferred from any account.

3.4. Vendor.

You acknowledge and agree that the Service is provided by an independent third-party service
provider (“Vendor”) as selected by the Bank, and that both the Vendor and the Service are subject
to change from time to time without notice to you. You further acknowledge, agree, and stipulate
that the Vendor is an independent contractor providing software and data transmission services and
is not the agent of you or the Bank. Neither the Bank nor the Vendor is responsible for the actions
or omissions of the other.

3.5. Consumer Disclosure Provisions.

THE FOLLOWING PROVISIONS OF THIS SECTION APPLY ONLY TO SERVICES AND ACCOUNTS ESTABLISHED PRIMARILY
FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES.

3.5.1. Unauthorized Transactions.

To the extent a transaction is an “electronic fund transfer” under Consumer Financial Protection
Bureau Regulation E, tell us AT ONCE if you believe your Password has been lost or stolen, or if
you believe that an Online Banking transaction has been made without your permission using
information from your check. Telephoning is the best way of keeping your possible losses down. Call
us at 205-668-0711 or write us at Central State Bank, P.O. Box 180, Calera, Alabama
35040-0180. You could lose all the money in your account (plus your maximum overdraft line of
credit). If you tell us within two (2) Business Days after you learn of the loss, theft, or
unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made
a transaction without your authorization.

If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or
unauthorized transaction, and we can prove we could have stopped someone from using your Access
Code or the Service without your authorization if you had told us, you could lose as
much as $500.00. Also, if your statement shows a transaction that you did not make or authorize,
tell us at once. If you do not tell us within sixty (60) days after the statement was mailed,
electronically transmitted, or otherwise made available to you, you may not get back any money you
lost after the 60 days if we can prove that we could have stopped someone from taking the money if
you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend
the time periods as may be reasonable under the circumstances.

3.5.2. The Bank’s Failure to Complete Transactions.

To the extent that a Service transaction is an “electronic fund transfer” under Consumer Financial
Protection Bureau Regulation E that relates to an Account established primarily for personal,
family, or household purposes, if we do not properly complete a transfer to or from your Account on
time or in the correct amount according to the terms of this Agreement, we will be liable for your
losses or damages. However, we will not be liable (and any payment guarantee provided elsewhere in
this Agreement will not be applicable) if any of the following occurs:

.1. Through no fault of ours, you do not have sufficient collected funds in the Account to complete
the transaction;

.2. The transaction would exceed the credit limit on any overdraft line of credit linked to the
Account;

.3. Your PC, Internet service provider, telephone line, modem, or other equipment is not operating
properly;

.4. The Service is not working properly and you were aware of the malfunction when you initiated
the transaction;

.5. You do not properly follow the instructional materials provided in connection with Online
Banking;

.6. You do not authorize a Payment within a sufficient period of time for your Payment to be
received by the payee by the due date;

.7. You have not provided us with the correct Payee name, address, account information, Payment
amount, or other instructions necessary to complete the Payment, or the foregoing instructions
stored on your Access Device or the host system have been lost;

.8. A Payee mishandles or delays the handling of Payments sent by us;

.9. Your funds are held or frozen, or a court order or other legal process prevents us from making
a transaction;

.10. Your Access Code has been reported lost or stolen;
.11. We have reason to believe that a transaction has not been properly authorized or
authenticated, or is fraudulent, erroneous, or illegal;

.12. You have exceeded the limitations on frequency of transactions or dollar amount of
transactions applicable to the Service or the Account;

.13. Your telephone service has been disconnected or there are deficiencies in the quality of your
telephone line;

.14. Circumstances beyond our control (such as telecommunication or electrical outages and
malfunctions, postal strikes or delays, computer system failures, or natural disasters) prevent the
transaction;

.15. Making a transfer would cause us to violate any law, rule, or regulation to which we are
subject; or,

.16. Any failure on our part was not intentional and resulted from a bona fide error
notwithstanding procedures to avoid such error, except for actual damages (which do not include
indirect, incidental, special, or consequential damages).

There may be other exceptions to liability stated in this Agreement, or in other agreements we have
with you, or otherwise provided by applicable law.

3.5.3. Error Resolution.

In case of errors or questions about your electronic transfers, telephone us, write us at or E-mail
us at the number or address provided in Section 10.6 as soon as you can if you think that your
statement is wrong or you need more information about a transaction listed on your statement or
appearing on the account activity screen of your Access Device, we must hear from you no later than
sixty (60) days after we sent the FIRST statement on which the problem or error appeared or you
received notification of the problem or error on your Access Device. You must:

.1. Tell us your name and the Account number.

.2. Describe the error or the transaction 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
ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days
(twenty (20) Business Days for transactions that have occurred within 30 days after the first
deposit to the account) after we hear from you and will correct any error promptly. If we require
more time, however, we may take up to forty-five (45) days (ninety (90) days for point-of-sale
transactions, transactions initiated outside the United States, or transactions that have occurred
within 30 days after the first deposit to the account) to investigate your complaint
or question. If this additional time is necessary, and your written notification has been received
by us, we will credit your account within ten (10) Business Days (twenty (20) Business Days for
transactions that have occurred within 30 days after the first deposit to the account) for the
amount you think is in error, so that you will have the use of the money during the time it takes
us to complete our investigation. If we ask you to put your complaint or question in writing and we
do not receive it within ten (10) Business Days (twenty (20) Business Days for transactions that
have occurred within 30 days after the first deposit to the account), we will not credit your
account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale
transactions, transactions initiated outside the United States, or transactions that have occurred
within 30 days after the first deposit to the account) for our investigation.

We will tell you the results within three (3) Business Days after completing our investigation. If
we decide that there was no error, we will send you a written explanation. You may ask for copies
of the documents that we used in our investigation.

4.1. Account Access.

Transfers and Payments from your Account will be deducted on the date you instruct us to process
them. If the date you schedule a Transfer or Payment falls on a weekend or holiday, we will process
your transaction the following Transfer Day. We may refuse to act on your Transfer instructions or
Payment request if sufficient funds, including funds available under any overdraft protection plan,
are not available in your Account on the date you want us to make the Transfer or Payment.

4.2. Processing Fund Transfers.

The cutoff time for a Transfer is 6:00 p.m., Central Time (Standard or Daylight) on a Transfer Day.
The cutoff time for an External Transfer is 3:00 p.m., Central Time (Standard or Daylight) on a
Transfer Day. If you request a Transfer after the cutoff time, the Transfer will be processed the
following Transfer Day. If you schedule a Transfer for a future date, we will process the
transaction after the close of business on that date, if that day is a Transfer Day. A unique
reference number is assigned for each Transfer request you make, regardless of whether the

Transfer is successful or unsuccessful.

You are fully obligated to us to provide sufficient funds for any payments or transfers you make or
authorize to be made. If we complete a payment or transfer that you make or authorize and we
subsequently learn that you have insufficient funds for the transaction, you agree that we may
reverse the transaction or offset the shortage with funds from any other deposit account(s) you
have with us to the extent permissible by the applicable law and the terms of any other relevant
agreements.

If there are insufficient funds in your Account to make a Transfer or Payment, we may refuse to
make the Transfer or Payment or we may make the Transfer or Payment and overdraw your Account. In
either event, you are responsible for any non-sufficient funds (“NSF”) or overdraft charges that
may apply.

4.3. Canceling Transfers or Payments.

You may cancel a pending Transfer or Payment transaction. However, to do so, we must receive your
instruction to cancel prior to the cutoff time on the Transfer Day the transaction is scheduled to
be processed. If we don’t receive your instruction to cancel a transaction before that time, we may
process the transaction.

4.4. Transfer(s) from Savings/Money Market Deposit Accounts.

Federal regulations require us to limit, either by contract or in practice, the number of certain
types of transfers from savings and money market deposit accounts. You are limited to six (6)
preauthorized electronic fund transfers per calendar month. Each fund transfer through these
Services from your savings or money market deposit account is counted as one of the six (6)
transfers permitted each calendar month. However, payments to your loan accounts with us are not
counted toward this transfer limit for savings/money market deposit accounts.

4.5. Electronic Communications and Notifications.

4.5.1. E-Mails.

The Bank will not immediately receive e-mail that you send. Therefore, you should not rely on e-
mail if you need to communicate to the Bank immediately. Please see additional information
regarding e-mails in Section 10.1.

4.5.2. Account Notifications.

You may have the ability to set up an "Account Notification," which is a convenience feature that
permits you to request a notification of specific situations. For example, you can request an
Account Notification when an Account has reached a certain balance or check has been processed. You
are responsible to input accurate information to set up the Account Notification. Account
Notifications do not replace standard communications received from us concerning your Accounts. We
are not responsible for any losses, damages or expenses that may occur if an Account Notification
is not set up properly or is not processed as a result of factors beyond our

reasonable control. You agree to keep your e-mail address up to date, using the Service.

4.5.3. Secure Messaging.

You may communicate with us using the Secure Messaging feature offered as part of the Service. You
agree not to use this feature to conduct transactions on an Account, to seek to accomplish any of
the available services listed in Section 3.1, or to provide us with instructions or notice. We may
post messages for you in the secure location of our website. We may also use e-mail to notify you
that a new message has been posted. After you log in, you agree to review all messages. You agree
to keep your e-mail address up to date, using the Service. You will be deemed to have "received"
the message upon receipt and opening of the e-mail message, or by the next business day after we
post it to the website and send you a notification of availability,
whichever occurs earliest. You may print a copy of a message using the “print” function of your
software.

We may not immediately receive messages that you send and we will not take action based on any
requests until we actually receive your message and have had a reasonable opportunity to act.
Therefore, you should not rely on secure messaging if you need our immediate attention. In such
cases, you should contact the Bank immediately by calling the Bank (see Section 10.6). For example,
if you need to report an unauthorized transaction from one of your Accounts, you should call us to
ensure prompt action on your request.

4.6. Overdrafts: Order of Payments, Transfers, and Other Withdrawals.

If funds are withdrawn from any of your accounts by means of electronic funds transfers, other than
through Online Banking on the same business day as an Online Banking transaction, and if the
account contains insufficient funds to enable both the electronic funds transfer and the Online
Banking transfer to be made, then the electronic funds transfer will have priority and the Online
Banking transfer will be refused or will result in an overdraft on your account. This is at the
Bank’s sole discretion.

4.7. Documentation of Payments and Transfers.

Upon completion of a Bill Payment or Transfer, you will be given a reference number. You should
keep a record of this number, along with the payee, scheduled date and transaction amount. Your
bill payments will also appear on your statement. No printed receipts are issued through the
Service. Any documentation that we make available to you indicating that an electronic fund
transfer was made to another person or entity shall be admissible as evidence of such transfer and
shall constitute prima facie proof that such transfer was made.

4.8. Bill Payment Service.

We are offering you the Bill Payment Service through one or more “Service Providers” that we have
engaged to process your Bill Payment transactions on our behalf. You agree that we have the right
under this Agreement to delegate to Service Providers all of the rights and performance obligations
that we have under this Agreement, and that the Service Providers will be intended third party
beneficiaries of this Agreement and will be entitled to all the rights and protections

that this Agreement provides to us. Any information you provide may be used by us or any of the
Service Providers to complete or otherwise deal with your transactions or comply with any laws,
rules or regulations. If there is a dispute between you and us, or either of us and any other
person (including any merchant, payee, financial institution or other intended or actual recipient
of any bill payment), you authorize us to obtain information regarding you, your account and your
bill payment obligations (or the absence of them) from any party that was involved in the Bill
Payment transaction or that might otherwise assist in the resolution of the dispute or problem.
This may include financial and other information regarding you.

4.8.1. Payment Scheduling.

The "Biller" 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. The "Scheduled Payment Date" is the day the payment is initiated. Your Payment Account
will be debited upon settlement of the transaction. The earliest possible Scheduled Payment Date
for each Biller (typically four (4) or fewer Business Days from the current date) will be
designated within the application when you are scheduling the payment. Therefore, the application
will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled
Payment Date designated for each Biller.

Notwithstanding the foregoing, you are responsible for ensuring that you initiate a Payment
Instruction in time for the payment to reach the payee before its Due Date (without taking into
account any grace period). We are not responsible for any damages you may suffer if you do not
allow a sufficient number of business days between the Scheduled Payment Date and the Due Date of
your bill or obligation or delays in the delivery of your Payment Instruction or delays in
processing by the payee, without counting any grace period offered by the payee. Central State
Bank’s liability ends when the Payment Instruction is completed and transmitted to the payee.

4.8.2. Payment Authorization and Payment Remittance .

You represent and warrant that you are acting
with full authority for the applying entity, and that you are duly authorized to execute this
Agreement on behalf of the applying entity. By providing the Bill Payment Service with names and
account information of Billers to whom you wish to direct payments, you authorize the Bill Payment
Service to follow the information provided by you in a Payment Instruction to the Bill Payment
Service (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment
Date) that it receives through the payment system. In order to process payments more efficiently
and effectively, the Bill Payment Service may edit or alter payment data or data formats in
accordance with Biller directives.

When the Bill Payment Service receives a Payment Instruction, you authorize the Bill Payment
Service to debit your Bill Payment Account upon receipt of the Payment Instruction. You also
authorize the Bill Payment Service to credit your Bill Payment Account for payments returned to the
Bill Payment Service by the United States Postal Service or Biller, or payments remitted to you on
behalf of another authorized user of the Bill Payment Service.

You must have sufficient funds in your Bill Payment Account when you submit the Payment
Instruction. You can initiate Bill Payments up to the available funds in your account, plus any
linked credit or other overdraft facility. If you exceed these limits, then we may prevent (or
reverse) Bill Payments in any order and in any amount that we choose, even if the result is to
reduce your transactions to a level below the amounts needed to pay your bills.

The Bill Payment Service shall incur no liability and any Service Guarantee shall be void if the
Bill Payment Service is unable to complete any payments initiated by you because of the existence
of any one or more of the following circumstances:
1. If, through no fault of the Bill Payment Service, your Bill Payment Account does not contain
sufficient funds to complete the transaction or the transaction would exceed the credit limit of
your overdraft account.

2. The payment processing center is not working properly and you know or have been advised by the
Bill Payment Service about the malfunction before you execute the transaction;

3. You have not provided the Bill Payment Service with the correct Bill Payment Account
information, or the correct name, address, phone number, or account information for the Biller;
and/or,

4. Circumstances beyond control of the Bill Payment Service (such as, but not limited to, fire,
flood, or interference from an outside force) prevent the proper execution of the transaction and
the Bill Payment Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Bill Payment Service causes an
incorrect amount of funds to be removed from your Bill Payment Account or causes funds from your
Bill Payment Account to be directed to a Biller which does not comply with your Payment
Instructions, the Bill Payment Service shall be responsible for returning the improperly
transferred funds to your Bill Payment Account, and for directing to the proper Biller any
previously misdirected transactions, and, if applicable, for any late payment related charges.

4.8.3. Payment Methods. The Bill Payment Service reserves the right to select the method in which
to remit funds on your behalf to your Biller. These payment methods may include, but may not be
limited to, an electronic payment, such as through the Automated Clearing House (“ACH”), an
electronic check payment, or a remotely created check (as defined in Regulation CC). (For remotely
created checks, funds remitted to the Biller are deducted from your Bill Payment Account when the
remotely created check is presented for payment.) Electronic payments that are made by ACH are
subject to the ACH Rules, and you agree to be bound by the ACH Rules, including the rule making
payment to the payee provisional until receipt by the payee’s bank of final settlement of the
credit transaction. If final settlement is not received, you will not be deemed to have paid the
payee the amount of the electronic bill payment. If a Bill Payment is processed electronically as
an ACH entry, the ACH Entries and the transaction will also be subject to the terms and conditions
of any other ACH origination agreement between you and us, to the extent applicable.

4.8.4. Payment Cancellation Requests . You may cancel or edit any Scheduled Payment (including
recurring payments) by following the directions within the application. There is no charge for
canceling or editing a Scheduled Payment. Once the Bill Payment Service has begun processing a
payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

4.8.5. Stop Payment Requests . The Bill Payment Service's ability to process a stop payment

request will depend on the payment method and whether or not a check has cleared. The Bill Payment
Service may also not have a reasonable opportunity to act on any stop payment request
after a payment has been processed. If you desire to stop any payment that has already been
processed, you must contact us at the phone number listed in the “Errors and Questions” section of
this agreement. We will make reasonable efforts to stop the payment on the next business day if
notice is not given during normal business hours or on a day that the bank is closed. Although the
Bill Payment Service will make every effort to accommodate your stop payment request, the Bill
Payment Service will have no liability for failing to do so. The Bill Payment Service 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.

4.8.6. Prohibited Payments . Payments to Billers outside of the United States or its territories
are prohibited through the Bill Payment Service.

4.8.7. Exception Payments. Tax payments and court ordered payments may be scheduled through the
Bill Payment Service; however such payments are discouraged and must be scheduled at your own risk.
In no event shall the Bill Payment Service be liable for any claims or damages resulting from
you’re scheduling of these types of payments. The Service 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 Payment Service. The Bill Payment Service has no obligation to research or resolve any claim
resulting from an exception payment. All research and resolution for any misapplied, mis-posted or
misdirected payments will be the sole responsibility of you and not of the Bill Payment Service.

4.8.8. Bill Delivery and Presentment . This feature is for the presentment of electronic bills only
and it is your sole responsibility to contact your Billers directly if you do not receive your
statements. In addition, if you elect to activate one of the Bill Payment Service's electronic bill
options, you also agree to the following:

.1 Information provided to the Biller - The Bill Payment Service is unable to update or change your
personal information such as, but not limited to, name, address, phone numbers and e-mail
addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller
directly. Additionally it is your responsibility to maintain all usernames and passwords for all
electronic Biller sites. You also agree not to use someone else's information to gain unauthorized
access to another person's bill. The Bill Payment Service may, at the request of the Biller,
provide to the Biller your e-mail address, service address, or other data specifically requested by
the Biller at the time of activating the electronic bill for that Biller, for purposes of the
Biller informing you about Bill Payment Service and/or bill information.

.2 Activation - Upon activation of the electronic bill feature the Bill Payment Service may notify
the Biller of your request to receive electronic billing information. The presentment of your first
electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the
billing cycle of each Biller. Additionally, the ability to receive a paper copy of your
statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being
activated it is your responsibility to keep your accounts current. Each electronic Biller reserves
the right to accept or deny your request to receive electronic bills.

.3 Authorization to obtain bill data - Your activation of the electronic bill feature for a Biller
shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your
behalf. For some Billers, you will be asked to provide us with your user name and password for that
Biller. By providing us with such information, you authorize us to use the information to obtain
your bill data.

.4 Notification - The Bill Payment Service will use its best efforts to present all of your
electronic bills promptly. In addition to notification within the Bill Payment Service, the Bill
Payment Service may send an e-mail notification to the e-mail 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 Payment Service
and check on the delivery of new electronic bills. The time for notification may vary from Biller
to Biller. You are responsible for ensuring timely payment of all bills.

.5 Cancellation of electronic bill notification - The electronic Biller 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
Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller.
The Bill Payment Service will notify your electronic Biller(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. The Bill Payment Service will not be responsible for presenting any electronic bills that are
already in process at the time of cancellation.

.6 Non-Delivery of electronic bill(s) - You agree to hold the Bill Payment Service harmless should
the Biller 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 Biller directly.

.7 Accuracy and dispute of electronic bill - The Bill Payment Service is not responsible for the
accuracy of your electronic bill(s). The Bill Payment Service is only responsible for presenting
the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of
your electronic bill summary or detail must be addressed with the Biller directly.

This Agreement does not alter your liability or obligations that currently exist between you and
your Billers.

4.8.9. Bill Payment Service Termination , Cancellation or Suspension.

In the event you wish to cancel the Bill Payment Service, you may have the ability to do so through the product, or you may
contact customer service via one of the following:

.1 Telephone us at 205-668-0711 during customer service hours; and/or

.2 Write us at:

Central State Bank
P.O. Box 180
Calera, AL 35040

Any payment(s) the Bill Payment Service has already processed before the requested cancellation
date will be completed by the Bill Payment Service. All Scheduled Payments including recurring
payments will not be processed once the Bill Payment Service is cancelled. The Bill Payment Service
may terminate or suspend Bill Payment Service to you at any time. Neither termination nor
suspension shall affect your liability or obligations under this Agreement.

4.8.10. Biller Limitation. The Bill Payment Service reserves the right to refuse to pay any Biller
to whom you may direct a payment. The Bill Payment Service will notify you promptly if it decides
to refuse to pay a Biller designated by you. This notification is not required if you attempt to
make a prohibited payment or an exception payment under this Agreement.

4.8.11. Returned Payments . In using the Bill Payment Service, you understand that Billers and/or
the United States Postal Service may return payments to the Bill Payment Service for various
reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is
not valid; Biller is unable to locate account; or Biller account is paid in full. The Bill Payment
Service will use its best efforts to research and correct the returned payment and return it to
your Biller, or void the payment and credit your Payment Account. You may receive notification from
the Bill Payment Service.

4.8.12. Information Authorization . Your enrollment in the Bill Payment Service may not be
fulfilled if the Bill Payment Service cannot verify your identity or other necessary information.
Through your enrollment in the Bill Payment Service, you agree that the Bill Payment Service
reserves the right to request a review of your credit rating at its own expense through an
authorized bureau. In addition, you agree that the Bill Payment Service reserves the right to
obtain financial information regarding your account from a Biller or your financial institution
(for example, to resolve payment posting problems or for verification).

4.9. Stop Payment Service .

With this Service, you can stop payment on a check by following the procedures established for the
Service. You must provide us with timely, complete and accurate information on the account number,
date of the item, item number, payee, and EXACT amount (dollars and cents) of the item. If any
information is incomplete or incorrect, we will not be responsible for failing to stop payment on
the item. Requests become effective when we confirm their receipt. There is a fee for each request
(effective for six months), whether or not we receive your request in time to act upon it. Requests
received outside of the Bank’s published hours of operation or on non-business days will be deemed
received by us as of the start of the next business day. If our online system is not available for
any reason, you can contact us at the phone number listed in Section 10.6 of this agreement to make
your request. You may not cancel stop payment orders through the Services. Any cancellation request
must be made in writing and must be received in such time as to allow us a reasonable opportunity
to act and actually stop the payment of the check.

4.10 Mobile Remote Deposit

4.10.1 Limits We may establish limits on the dollar amount and/or number of items or deposits

from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject
your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still
be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at
other times.

4.10.2 Eligible Items You agree to scan and deposit only domestic checks (i.e., drafts drawn on a
United States-based credit union, savings and loan or bank and payable on demand.)
You agree that you will not use Mobile Deposit to deposit:
• Checks payable to any person or entity other than you (i.e., payable to another party and then
endorsed to you).
• Checks payable to you and another party who is not a joint owner on the account.
• Checks that contain evidence of alteration (i.e., a date change that is initialed by the
depositor), or that you know or suspect, or should know or suspect, are fraudulent or otherwise not
authorized by the owner of the account on which the check is drawn.
• Checks issued by a financial institution in a foreign country.
• Checks that are incomplete.
• Checks that are “stale dated” (more than six months old) or “postdated”.
• Savings Bonds, traveler’s checks, money orders, or postal money orders.
• Checks previously deposited whether as an original item, substitute check or image replacement
document, without Central State Bank’s express written consent.

4.10.3 Requirements Each image must provide all information on the front and back of the original
check at the time presented to you by the drawer, including, but not limited to, information about
the drawer and the paying bank that is preprinted on the original check, MICR information,
signature(s), any required identification written on the front of the original check and any
endorsements applied to the back of the original check. The image quality must meet the standards
established by the American National Standards Institute, the Board of Governors of the Federal
Reserve, and any other regulatory agency, clearing house or association.

Endorsements must be made on the back of the share draft or check within 1½ inches from the top
edge, although we may accept endorsements outside this space. Your endorsement must include your
signature and you must write “For CSB e-deposit Only”. Any loss we incur from a delay or processing
error resulting from an irregular endorsement or other markings by you will be your responsibility.

A check payable to two payees must be endorsed by both payees. If the check is payable to you or
your joint owner, either of you can endorse it. If the check is made payable to you and your joint
owner, both of you must endorse the check.

4.10.4 Receipt of Deposit All images processed for deposit through Mobile Deposit will be treated
as “deposits” under your current Account Agreement with us and will be subject to all terms of the
Account Agreement. When we receive an image, we send out a confirmation receipt via email to you.
Your deposit activity is available in the on-line banking apps activity center for up to 90 days.
We shall not be deemed to have received the image for deposit until we have confirmed receipt to
you. “Confirmation” only refers to receipt of the image and does not guarantee that the deposit has
been accepted or is free of errors. We are not responsible for any image that we do not receive.

We reserve the right, at our sole and absolute discretion, to reject any image for remote deposit
into your account.

4.10.5 Original Checks After you receive confirmation that we have received an image, you must
securely store the original check for 60 calendar days after transmission to us and make the
original check accessible to us at our request. Upon our request from time to time, you will
deliver to us within 10 calendar days, at your expense, the requested original check in your
possession. If not provided in a timely manner, such amount will be reversed from your account.
Promptly after such period expires, you must destroy the original check by first marking it “VOID”
and then destroying it by cross-cut shredding or another commercially acceptable means of
destruction. After destruction of an original check, the image will be the sole evidence of the
original check.

You agree that you will never re-present the original check. When you deposit an item using our
mobile remote deposit capture you acknowledge that Central State Bank is the bank of first deposit.
Additionally, you agree that you are responsible for any liability associated with the presentment
of the same item at a later date, whether that item is negotiated electronically or in physical
form.

4.10.6 Returned Deposits Any credit to your account for checks deposited using Mobile Deposit is
provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or
otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or
collecting bank, for any reason, including, but not limited to, issues relating to the quality of
the image, you agree that an original check will not be returned to you, but that we may charge
back the amount of the original check and provide you with an image of the original check, a paper
reproduction of the original check or a substitute check. You will reimburse us for all loss, cost,
damage or expense caused by or relating to the processing of the returned item. Without our
approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been
charged back to you. Reprocessing returned items must be done in-person at one of our branches and
cannot be submitted again through our Remote Deposit system.

We may debit any of your accounts to obtain payment for any item that has been rejected or
returned, for any adjustment related to such item or for any warranty claim related to such item,
whether or not the rejection, return, adjustment or warranty claim was made timely.

4.10.7 Your Warranties You make the following warranties and representations with respect to each
image:
• Each image 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, payee(s), signature(s), and endorsement(s) on the image and on the original check
are legible, genuine, and accurate.
• You will not deposit or otherwise endorse to a third party the original check and no person will
receive a transfer, presentment, or return of, or otherwise be charged for, 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 an item that has already been paid.
• There are no other duplicate images of the original check.
• The original check was authorized by the drawer in the amount stated on the original check and
to the payee(s) stated on the original check.

• You are authorized to enforce and obtain payment of the original check.
• You have possession of the original check and no party will submit the original check for
payment.

With respect to each image, you make to us all representations and warranties that we make or are
deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files
and images transmitted to us will contain no viruses or any other disabling features that may have
an adverse impact on our network, data, or related systems.

4.10.8 Compliance with Law You will use Mobile Deposit for lawful purposes and in compliance with
all applicable laws, rules and regulations. You warrant that you will only transmit acceptable
items for deposit and have handled the original items in accordance with applicable laws, rules and
regulations.

4.10.9 Mobile Deposit Unavailability Mobile Deposit may be unavailable temporarily due to system
maintenance or technical difficulties, including those of the Internet service provider, cellular
service provider and Internet software. In the event that Mobile Deposit is unavailable, you may
deposit original checks at our branches. Central State Bank is not liable for any damages caused by
a delay in deposit funds availability due to unavailability of the Mobile Deposit service.

4.10.10 Funds Availability You agree that items deposited using Mobile Deposit are not subject to
the funds availability requirements of Regulation CC. In general, deposits made using Mobile
Deposit and confirmed as received and deemed as accepted before close of business on a business day
will be credited to your account within one business day of receipt. Deposits confirmed as received
and deemed as accepted after close of business, and deposits confirmed as received and deemed as
accepted on holidays or days that are not business days will generally be credited to your account
within one business day of the following business day. A business day is Monday through Friday,
excluding all holidays recognized by the Federal Reserve.

Funds deposited using Mobile Deposit will generally be made available in (2) two business days from
the date of deposit. Central State Bank may make such funds available sooner or later, in part or
in full based on factors such as length of relationship with us, transaction and experience
information, and such other factors as deemed relevant by Central State Bank in its sole
discretion.

In some case, we may not make funds deposited using Mobile Deposit available in accordance with
this general policy. Should this occur, a communication will be sent to you informing as to when
your funds will be available. In the event we receive an item where we have reason to doubt the
collectability of that item, we may delay the availability of funds for a reasonable period of time
until the item is either paid or returned. In such cases, we will notify you of this action.

4.10.11 Mobile Deposit Security You will complete each deposit promptly. If you are unable to
complete your deposit promptly, you will ensure that your mobile device remains securely in your
possession until the deposit has been completed. It is your responsibility to establish and
maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by
telephone, followed by written confirmation or secure electronic communication, if you learn of any
loss or theft of original checks. You will ensure the safety and integrity of original checks from
the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may
audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm

that you have satisfied your obligations under this Agreement.

4.10.12 Your Responsibility You are solely responsible for the quality, completeness, accuracy,
validity and integrity of the image. You are solely responsible if you, intentionally or
unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Deposit is
used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate,
incorrect or otherwise improper or unusable images to us.

4.10.13 Accountholder’s Indemnification Obligation By using the Mobile Deposit service, you agree
to indemnify us and hold us harmless and defend us against any and all claims, actions, damages,
liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from
your use of the Services and/or breach of this Disclosure and Agreement. You understand and agree
that this paragraph shall survive the termination of this Agreement.

Your use of these Services is subject to the following limitations:

5.1. Dollar Amount.

There may be a limit on the dollar amount of the transactions you can make using these Services.
Security reasons limit the dollar amount of transactions and these limits are subject to change
from time to time. Payment can only be made with U.S. currency.

5.2. Frequency.

In addition to the Federal banking regulations that restrict the number of transfers and
withdrawals, there may be limits on the number of transactions you can make using these Services.
These limits are for security reasons and are subject to change.

5.3. Foreign Transactions.

No Payments may be made to Payees outside the United States.

5.4. Additional Limitations.

Additional limitations may be contained elsewhere in this Agreement. Your ability to initiate
transactions may also be limited by the terms of other agreements you have with the Bank or by
applicable law.

6.1. Your Responsibility.

6.1.1. Physical and Electronic Security.

.1. You are solely responsible for providing for and maintaining the physical, electronic,
procedural, administrative, and technical security of data and systems in your possession or under
your control. We are not responsible for any computer viruses (including, without limitation,
programs commonly referred to as “malware,” “keystroke loggers,” and/or “spyware”), problems or
malfunctions resulting from any computer viruses, or any related problems that may be associated
with the use of an online system. Any material downloaded or otherwise obtained is obtained at your
own discretion and risk, and the Bank is not responsible for any damage to your computer or
operating systems or for loss of data that results from the download of any such material, whether
due to any computer virus or otherwise. You are solely responsible for maintaining and applying
anti-virus software, security patches, firewalls, and other security measures with respect to your
operating systems, and for protecting, securing, and backing up any data and information stored in
or on your operating systems. The Bank is not responsible for any errors or failures resulting from
defects in or malfunctions of any software installed on your operating systems.

.2. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant
against e-mail fraud and other internet frauds and schemes (including, without limitation, fraud
commonly referred to as “phishing” or “pharming”). If you are a business, you agree to educate your
representative(s), agents, and employees as to the risks of such fraud and to train such persons to
avoid such risks. You acknowledge that the Bank will never contact you by e-mail in order to ask
for or to verify Account numbers, Security Devices, or any sensitive or confidential information,
and will never provide links to websites in e-mails that the Bank transmits to you. In the event
you receive an e-mail or other electronic communication that you believe, or has reason to believe,
is fraudulent, you agree that you shall not respond to the e-mail, provide any information to the
e-mail sender, click on any links in the e-mail, or otherwise comply with any instructions in the
e-mail. You should notify us of any such e-mail or other electronic communication by calling (205)
668-0711. To the extent allowed by law, you agree that the Bank is not responsible for any losses,
injuries, or harm incurred by you as a result of any electronic, e-mail, or internet fraud.

.3. In the event of a breach of the Security Procedure, you agree to assist the Bank in determining
the manner and source of the breach. Such assistance shall include, but shall not be limited to,
providing the Bank or Bank’s agent access to your hard drive, storage media and devices, systems
and any other equipment or device that was used in breach of the Security Procedure.
You further agree to provide to the Bank any analysis of such equipment, device, or software or any
report of such analysis performed by you, your agents, law enforcement agencies, or any other third
party. Your failure to assist the Bank shall be an admission by you that the breach of the Security
Procedure was caused by a person who obtained access to your transmitting facilities or who
obtained information facilitating the breach of the Security Procedure from you and not from a
source controlled by the Bank.

6.1.2. Duty to Inspect.

You shall inspect all transaction history, reports, journals, and other material evidencing the
output of the Service(s) performed by the Bank. You must report all errors to the Bank for Services
performed and indicated in the transaction history, reports, journals, and other material
evidencing the output of the Service(s) or otherwise reported to you daily by the close of
business on the banking day following the day on which the Service(s) is rendered. You must report
all other errors within a reasonable time. If your service and accounts are established primarily
for personal, family, or household purposes, the time period for reporting is not to exceed sixty
(60) days from the date that the banking statement containing the error is made available. Failure
of you to promptly report errors within such specified time shall preclude you from asserting
against the Bank any claims arising from the error or any loss caused by the error.

6.1.3. Financial Information.

The Bank may from time-to-time request information from you in order to evaluate a continuation of
the Service(s) to be provided by the Bank hereunder and/or adjustment of any limits set by this
Agreement. You agree to provide the requested financial information immediately upon request by the
Bank, in the form required by the Bank. If you refuse to provide the requested financial
information, or if the Bank concludes in its sole discretion that the credit risk of you is
unacceptable, the Bank may terminate the Service according to the provisions hereof. You authorize
the Bank to investigate or reinvestigate at any time any information provided by you in connection
with this Agreement or any Services and to request reports from credit bureaus and reporting
agencies for such purpose.

6.1.4. Deadlines.

You shall deliver or transmit all data or information to the Bank by the deadline(s) specified in
this Agreement. The Bank shall have no obligation to process data or perform the Service if the
data is not received by the Bank by the specified deadline.

6.1.5. Payment for Services.

.1. You agree to pay the Bank the fees established by the Bank, if any, for rendering the Services
under the terms of this Agreement. Depending on which Online Banking services you subscribe to, you
may be charged the applicable Online Banking fees as set forth in our General Information and Fee
Schedule hereby incorporated by reference and made a part hereof.

.2. The Bank may change or add any fees for Online Banking by the procedures outlined in Article IX
for amending this Agreement. Fees charged for Online Banking under this Agreement are in addition
to any service charges or fees that apply to your accounts with us.

.3. You authorize the Bank to deduct all applicable Monthly Fees from any Account linked to the
Service. If you close the Account(s) associated with the Service, Fees may be deducted from any
other account you maintain with us or any of our affiliates. Furthermore, the Bank may setoff
against any amount it owes to you in order to obtain payment of your obligations under this
Agreement.

.4. In addition to the Service fees, you agree to pay for all taxes, tariffs and assessments levied
or imposed by any government agency in connection with the Service, this Agreement, and/or the
software or equipment made available to you (excluding any income tax payable by the Bank). You are
also responsible for the costs of any communication lines and any data processing charges payable
to third parties.

6.1.6. Additional Provisions for Business Customers.

THE FOLLOWING PROVISIONS OF THIS SECTION APPLY ONLY TO SERVICES AND ACCOUNTS ESTABLISHED PRIMARILY
FOR BUSINESS PURPOSES.

.1. Required Deposit Balance .

You agree to maintain the minimum collected balance ("Required Deposit Balance") in the amount and
in the account specified in the Service Agreement establishing the terms and conditions of the
specific Services selected by you and the set of detailed instructions ("Operating Instructions")
establishing the procedures and operating instructions governing the Service.

.2. Data and Information Supplied by You .

You shall transmit or deliver data and other information in the format and on the media as provided
for in the applicable agreements, setup forms or instructions if applicable or as otherwise
required by the Bank in conjunction with rendering the Service(s) selected by you. You shall have
the sole responsibility of ensuring the accuracy and correctness of the data transmitted. You
acknowledge and agree that the Bank shall not examine the data for correctness and the Bank shall
not have any responsibility for detecting errors in the data transmitted by you. The data
transmitted by you must be legible, correct and complete. The Bank shall not process, and the Bank
shall not be liable to you for failure to process, the data if it is not in the format specified by
the Bank or if the data is incomplete. The Bank shall not be liable for errors or omissions caused
by data that is rejected as the result of your failure to provide the data in accordance with the
standards specified in the Agreement or any applicable Service Agreement and the Operating
Instructions.

.3. Remotely Created Checks .

If you use a Service wherein you create or deposit a Remotely Created Check, as that term is
defined in Federal Reserve Board Regulation CC, you warrant to the Bank that the person on whose
account the Remotely Created Check is drawn authorized the issuance of the check in the amount
stated on the check and to the payee stated on the check.

.4. Use of Services .

You will use the Services only for your own internal business use in accordance with the terms of
this Agreement. Without limiting the generality of the foregoing, you agree not to make the
Services available or allow use of the Services in a computer bureau service business, timesharing,
or otherwise disclose or allow use of the Service by or for the benefit of any third party.

FURTHER, YOU REPRESENT AND WARRANT THAT NONE OF THE ACCOUNTS HAVE BEEN ESTABLISHED OR ARE BEING OR
WILL BE USED FOR PERSONAL, FAMILY OR HOUSEHOLD PURPOSES AND THAT YOU ARE NOT A "CONSUMER" UNDER
REGULATION E – ELECTRONIC FUNDS TRANSFER ACT (HEREIN, "REG. E").

.5. Prohibited Transactions .

You agree not to use or attempt to use the Services (a) to engage in any illegal purpose or
activity or to violate any applicable law, rule or regulation, (b) to breach any contract or
agreement by which you are bound, or (c) to engage in any internet or online gambling
transaction, whether or not gambling is legal in any applicable jurisdiction, (d) to engage in any
activity or business that would result in you being or becoming a “money service business” as
defined in the Bank Secrecy Act and its implementing regulations, or (e) to engage in any
transaction or activity that is not specifically authorized and permitted by this Agreement. You
acknowledge and agree that the Bank has no obligation to monitor your use of the Services for
transactions and activity that is impermissible or prohibited under the terms of this Agreement;
provided, however, that the Bank reserves the right to decline to execute any transaction or
activity that the Bank believes violates the terms of this Agreement.

.6. Transfers and Payments processed via the ACH.

You agree that for all Transfers and Payments initiated by you that are processed by the Bank via
the ACH, you are the Originator, as that term is defined by the NACHA Operating Rules. You agree to
be bound by the NACHA Operating Rules as well as all other applicable agreements and you authorize
the Bank to originate Electronic entries (“Entries”) on your behalf.
You also agree that you will not originate Entries that violate the laws of the United States. You
acknowledge and agree that the Bank will determine the types of Entries that may be originated in
its sole discretion. You hereby grant the Bank the right to audit your compliance with this
Agreement, any other related agreement you have with the Bank and the NACHA Operating Rules.

6.2. The Bank’s Responsibilities.

The Bank agrees to use ordinary care in rendering Services under this Agreement. You recognize and
agree that ordinary care does not mean error free. You agree to pay all attorneys’ fees, costs and
expenses the Bank may incur in collecting any sums you owe to the Bank for overdrafts, service
charges or otherwise or in enforcing any rights the Bank may have under the terms of this Agreement
or applicable law, rule or regulation applicable to your account(s) or the Services rendered by the
Bank under this Agreement. You also agree to pay all attorneys’ fees, costs and expenses that the
Bank may incur as the result of defending any claim or action made against the Bank by you, or on
your behalf where the Bank is found not to be liable for such claim. In no event shall the Bank be
liable to you for attorneys’ fees incurred by you in any action brought by you against the Bank.

Our sole responsibility for an error in a transfer will be to correct the error. Without limiting
the generality of the forgoing, we will not be responsible for the following matters, or for errors
or failures of our Services as result of:

6.2.1. Access.

We will not be liable under this Agreement for failure to provide access or for interruptions in
access to our Services due to a system failure or due to other unforeseen acts or circumstances.

6.2.2. Your Computer Equipment & Your Software .

We will not be responsible for any errors or failures from any malfunction of your computer or any
computer virus or other problems related to your computer equipment used with our Services.

We are not responsible for any error, damages or other loss you may suffer due to malfunction or
misapplication of any system you use, including your browser (Mozilla Firefox®, Microsoft Internet
Explorer®, Microsoft Edge®, Google Chrome®, or otherwise), your Internet service provider, your
personal financial management or other software (such as Quicken® or Microsoft Money®), or any
equipment you may use (including your telecommunications facilities, computer hardware and modem)
to access or communicate with the Online Banking Services.

6.2.3. Any Transaction or instruction .

We will not honor a request for a Transfer if:

(a) it exceeds your collected and available funds on deposit with the Bank; (b) it is not in
accordance with any condition indicated by you and agreed to by the Bank; (c) the Bank has reason
to believe it may not be authorized by you; (d) it involves funds subject to hold, dispute, or
legal process preventing their withdrawal; (e) it would violate any provision of any present or
future risk control program of the Federal Reserve or any current or future rule or regulation of
any other federal or state regulatory authority; (f) it is not in accordance with any other
requirement stated in this Agreement or any Bank policy, procedure or practice; or, (g) for the
protection of the Bank or you, the Bank has reasonable cause not to honor.

7.1. Personal Accounts and Services.

The importance of maintaining the confidentiality and privacy of the information provided by you is
one of our highest priorities. We may disclose information about your Accounts or the Transfers you
make: (a) where it is necessary for completing the transfers or processing or maintaining your
Accounts; (b) in order to verify the existence or condition of your Accounts for a third party such
as a credit bureau or merchant; (c) in order to comply with legal process, government agency or
court orders; (d) where it is necessary for activating additional services;
(e) to a consumer reporting agency for research purposes only; (f) if you give us your written
permission; or (g) otherwise as permitted by law. An explanation of our privacy policy will be
provided to you separately in the manner required by applicable law. Please review it carefully.
Our privacy policy may change from time to time and is always available on our website and at our
branch offices upon request.

7.2. Business Accounts and Services.

All information of a business nature relating to the assets, liabilities or other business affairs
disclosed to the Bank by you and your customers in connection with this Agreement is confidential.
The Bank shall not, without the express written consent of you, disclose or permit access to any
such information by any person, firm or corporation and the Bank shall cause its

officers, employees, and agents to take such action as shall be necessary or advisable, to preserve
and protect the confidentiality of disclosing such information to persons required to have access
thereto for the performance of this Agreement, or to any other party to which the Bank may be
required by law to report such information. You agree to hold confidential and to use only in
connection with the Service provided under this Agreement all information furnished to you by the
Bank or by third parties from whom the Bank has secured the right to use the Service, including,
but not limited to, the Bank's product and service pricing structure, system design, programming
techniques or other unique techniques. In addition, should you at any time receive or acquire any
information relating to another customer of the Bank, you shall promptly return such information to
the Bank and not reveal such information to any other party and shall not make use of such
information for your own benefit. The Bank and your obligations and agreements under this paragraph
shall not apply to any information supplied that was known to either party prior to the disclosure
by the other, or is or becomes generally available to the public other than by breach of this
Agreement, or otherwise becomes lawfully available on a non- confidential basis from a third party
who is not under an obligation of confidence to either party. Notwithstanding anything to the
contrary contained herein, it is authorized and agreed by the parties hereto that the performance
of said Service is or might be subject to regulation and examination by authorized representatives
of applicable regulatory agencies and you agree to the release of your reports, information,
assurances, or other data as may be required by them under applicable laws and regulations. You
agree that any specifications or programs developed by the Bank in connection with this Agreement
or supplied or made available to you by the Bank are the exclusive property of the Bank, its
agents, suppliers, or contractors, and further agrees that such material shall not be copied or
used in any manner or for any purpose without the express written consent of the Bank. This clause
shall survive the termination of this Agreement.

8.1. Termination Upon Written Notice.

You may terminate this Agreement and your Online Banking subscription at any time upon giving
Written Notice of the termination to the Bank per Section 10.6 of this Agreement. If you terminate
Online Banking, you authorize the Bank to continue making transfers you have previously authorized
and continue to charge monthly fees until such time as the Bank has had a reasonable opportunity to
act upon your termination notice. Once the Bank has acted upon your termination notice, the Bank
will make no further transfers from your accounts, including any transfers you have previously
authorized.

8.2. Immediate Termination.
The Bank may immediately terminate this Agreement for any reason and at any time without notice. If
the Bank terminates your use of Online Banking, the Bank reserves the right to make no further
transfers from your accounts, including any transactions you have previously authorized.

8.3. Rights Cumulative.

The Bank’s election to terminate this Agreement is in addition to any and all other remedies that
may be available to the Bank and will not affect any obligations you may have to the Bank. Any

reinstatement of the Service under this Agreement will be at the Bank’s sole discretion and must be
agreed upon in writing by an authorized representative of the Bank.

8.4. Rights/Duties Upon Termination.

Upon termination of this Agreement, any property or rights of a party in the possession of the
other party, tangible or intangible, shall be returned to owner thereof within ten (10) days after
the later to occur of (i) termination of the Agreement or (ii) the last date that such party
receives any such property or rights.

Upon termination of this Agreement, (i) you will promptly pay to the Bank all sums due or to become
due under this Agreement, and (ii) you shall have no further right to make use of the Service or
any system or software which may have been provided in connection with the Service.

9.1. Personal Accounts and Services.

Where Regulation E applies, the Bank may amend this Agreement at any time by sending notice to you
by mail or, to the extent permitted by law, by e-mail or electronic communication through Online
Banking, at least 21 days before the effective date of the amendment. Where Regulation E applies,
notice is always required if the change would result in:

a. Increased fees for you;

b. Increased liability for you;

c. Fewer types of available electronic fund transfers; or

d. Stricter limitations on the frequency of dollar amount of transfers.

If Regulation E applies, we are not required to give notice if an immediate change in terms or
conditions is necessary to maintain or restore the security of an account or an electronic fund
transfer system. However, if such a change is permanent, and disclosure would not jeopardize
security, we will notify you in writing on or with the next regularly scheduled periodic statement
or within 30 days of making the change permanent. If Regulation E does not apply to a particular
transaction, and other state or federal laws do not specify any notice or other requirements for an
amendment, we will decide what kind of notice (if any) we will give you and the method of providing
any such notice.

Your continued use of Online Banking is your ratification and agreement to any amendments of the
Agreement, including the Instructions as may be amended from time to time.

9.2. Business Accounts and Services.

The Bank may amend the terms of this Agreement and alter, change, or modify the Services provided
under the terms of this Agreement (including the fees and charges for Services listed)

or any supplemental agreement at any time in its sole discretion. If required by agreement or by
applicable law, notice will be given for the required applicable number of days in advance of such
amendments by mailing a copy of the amendment to you at your most recent address shown on our
records or, if you have previously agreed, by providing notice delivered to the last email address
you have provided us. Your continued use of the Services shall constitute your agreement to such
amendment. No amendments requested by you shall be effective unless received in writing by the Bank
and agreed to by the Bank in writing.

10.1. Electronic Notices.

We may deliver to you any required disclosures and other notices concerning these Services or your
Accounts by e-mail or other appropriate electronic means in accordance with the Bank’s Electronic
Statement Delivery Authorization and Agreement where such notices or disclosures are allowed by
law.

E-mail is not a secure method of communication, therefore we recommend you do not send confidential
personal or financial information by e-mail. Likewise, for your security, we do not accept
instructions for the operation of your Accounts by e-mail. You agree to contact us electronically
only through the Service’s Secure Messaging feature. We also do not communicate with you through
e-mail except as provided in this Section 10.1 and in Section 4.5. There may be times when you need
to speak with someone immediately (especially to report a lost or stolen Password, or to stop a
payment). In these cases, do not use e-mail. Instead, you should call us at the number provided in
Section 10.6.

10.2. Hours of Operation.

Our lobbies typically open during normal business hours on Monday through Friday excluding Federal
Holidays. For specific times of operation please refer to our web site. Our representatives are
available to assist you by telephone from the hours of 8:00 a.m to 4:30 p.m. Monday through
Thursday and 8:00 a.m. to 5:00 p.m. on Friday.

10.3. Ownership of Website.
The content, information and offers on our website are copyrighted by the Bank and/or Vendor and
the unauthorized use, reproduction, linking or distribution of any portions is strictly prohibited.
You agree not to copy, display, distribute, download, license, sub-license, modify, publish,
repost, reproduce, reuse, sell, transmit, create a derivative work from or otherwise use for public
or commercial purposes, the information and materials on the Sites, except as provided in this
Agreement, without our express written permission. Unless otherwise noted, all other trademarks,
service marks, and logos used on the Bank’s sites are the trademarks, service marks or logos of the
Bank, or others as indicated.

10.4. Web-linking Practices.

The Bank may provide access to information, products or services offered on other third-party web
sites. The Bank is not responsible for, nor does control, the content, products, or services

provided by linked sites. The Bank does not endorse or guarantee the products, information or
recommendations provided by linked sites, and is not liable for any failure of products or services
advertised on those sites. In addition, each third-party site may provide less security than the
Bank and have a privacy policy different than that of the Bank. Your access use and reliance upon
such content, products or services is at your own risk.

10.5. Geographic Restrictions.

The Services described in this Agreement and any application for credit, deposit services, and
brokerage services available at our web site are solely offered to citizens and residents of the
United States of America residing within the United States of America. Citizens and residents may
not be able to access these Services outside the United States of America.

10.6. Contact Information.

In case of questions about your electronic transactions, or to provide Written Notice regarding
this Agreement, contact customer service at:

Central State Bank,
P.O. Box 180 Calera, AL 35040

Email: support@centralstatebank.com

Phone: 205-668-0711

10.7. Deposit Account Agreement.

You acknowledge and agree that your demand deposit account maintained with the Bank is an integral
part of the Services offered by the Bank and that all transactions and Services initiated or
processed pursuant to this Agreement are subject to the terms and conditions of the rules,
regulations and agreement ("Deposit Account Agreement") governing accounts in effect from time to
time between you and the Bank. The Deposit Account Agreement is expressly incorporated herein by
reference. The terms and conditions of this Agreement shall control over
any inconsistent terms and conditions of the Deposit Account Agreement. You acknowledge that you
have signed and executed all agreements, resolutions, signature cards and forms governing your
demand deposit account required by the Bank. If you have not signed the foregoing forms required by
the Bank, by signing this Agreement, you acknowledge that you have read the contents of and agree
to be bound by the terms of those forms, agreements and documents, and adopt and ratify, as an
authorized signatory(s), the signature(s) of any person(s) who has signed a signature card or any
check on your account. You also agree to establish all accounts that must be opened in conjunction
with the Service provided by the Bank.

10.8. Effective Dates.

The effective date of this Agreement shall be the date upon which the Agreement is executed by you
and accepted by the Bank.

10.9. Internet Disclaimer.

For any Service(s) described in the Agreement utilizing the Internet, the Bank does not and cannot
control the flow of data to or from the Bank's network and other portions of the Internet. Such
flow depends in large part on the performance of Internet Services provided or controlled by third
parties. Actions or inactions of such third parties can impair or disrupt your connections to the
Internet (or portions thereof). The Bank cannot guarantee that such events will not occur.
Accordingly, the Bank disclaims any and all liability resulting from or related to such events and
in no event shall the Bank be liable for any damages (whether in contract or in tort) that are
attributable to the public Internet infrastructure, your ability to connect to the Internet, or the
Bank's ability to connect to the Internet on your behalf.

10.10. Limitation of Liability.

10.10.1. YOU AGREE THAT THE BANK SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY OTHER PARTY
FOR CONSEQUENTIAL, INDIRECT, SPECIAL EXEMPLARY, PUNITIVE OR INCIDENTAL DAMAGES ARISING OUT OF THE
USE BY YOU OF ANY SERVICE EVEN IF YOU, THE BANK OR BANK’S SERVICE PROVIDER HAVE BEEN SPECIFICALLY
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.10.2. TO THE FULLEST EXTENT ALLOWED BY LAW, THE BANK’S LIABILITY TO YOU UNDER THIS AGREEMENT
SHALL BE LIMITED TO CORRECTING ERRORS RESULTING FROM THE BANK’S FAILURE TO EXERCISE ORDINARY CARE
OR TO ACT IN GOOD FAITH. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, IF YOUR USE OF THE
SERVICE IS NOT PRIMARILY FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES, IN NO EVENT WILL THE BANK BE
LIABLE TO YOU FOR AN AMOUNT GREATER THAN THE FEES ACTUALLY PAID BY YOU AND RECEIVED BY THE BANK
DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM FIRST ACCRUED,
WHICH SHALL BE DETERMINED BY THE EARLIER OF THE DATE WHEN YOU FIRST BECAME AWARE OF THE CLAIM OR
THE DATE WHEN, THROUGH THE EXERCISE OF REASONABLE CARE, YOU REASONABLY SHOULD HAVE BECOME AWARE OF
THE CLAIM.

10.10.3. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICES SHALL BE AT YOUR SOLE RISK AND
THAT THE SERVICES ARE PROVIDED BYTHE BANK ON AN “AS IS” BASIS.

10.10.4. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, THE BANK MAKES NO, AND HEREBY DISCLAIMS
ANY AND ALL, REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, IN LAW OR IN FACT, WHATSOEVER TO
YOU OR TO ANY OTHER PERSON AS TO THE SERVICES OR ANY ASPECT THEREOF, INCLUDING (WITHOUT LIMITATION)
ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, OR
SUITABILITY. YOU AGREE THAT NO ORAL OR WRITTEN ADVICE OR REPRESENTATION OBTAINED FROM ANY BANK
EMPLOYEE OR REPRESENTATIVE SHALL CREATE A WARRANTY OR REPRESENTATION FOR PURPOSES OF THIS AGREEMENT
OR ANY SERVICES TO BE PERFORMED PURSUANT HERETO.

10.10.5. THE BANK MAKES NO REPRESENTATION OR WARRANTY, EITHER EXPRESS OR IMPLIED, TO YOU AS TO ANY
COMPUTER HARDWARE, SOFTWARE, OR EQUIPMENT USED IN CONNECTION WITH THE SERVICES (INCLUDING, WITHOUT
LIMITATION, YOUR COMPUTER SYSTEMS OR RELATED EQUIPMENT, YOUR SOFTWARE, OR YOUR INTERNET SERVICE
PROVIDER OR ITS EQUIPMENT), OR AS TO THE SUITABILITY OR COMPATIBILITY OF THE BANK’S SOFTWARE,
INTERNET DELIVERED SERVICE, EQUIPMENT OR COMMUNICATION INTERFACES WITH THOSE THAT YOU USE, OR AS TO
WHETHER ANY SOFTWARE OR INTERNET DELIVERED SERVICE WILL PERFORM IN AN UNINTERRUPTED MANNER,
INCLUDING (BUT NOT LIMITED TO) ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

10.10.6. THE BANK SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY ERRORS OR FAILURES RESULTING FROM
DEFECTS IN OR MALFUNCTIONS OF YOUR COMPUTER HARDWARE OR SOFTWARE, FOR THE QUALITY OF PERFORMANCE OR
LACK OF PERFORMANCE OF ANY COMPUTER SOFTWARE OR HARDWARE OR INTERNET DELIVERED SERVICES SUPPLIED BY
THE BANK TO YOU IN CONNECTION WITH THIS AGREEMENT, OR FOR THE TRANSMISSION OR FAILURE OF
TRANSMISSION OF ANY INFORMATION FROM YOU TO THE BANK OR FROM THE BANK TO YOU. THE BANK SHALL NOT BE
RESPONSIBLE FOR NOTIFYING YOU OF ANY UPGRADES OR ENHANCEMENTS TO ANY OF YOUR COMPUTER HARDWARE OR
SOFTWARE.

10.11. Force Majeure.
The Bank shall not be responsible for any liability, loss, or damage resulting from the Bank's
failure to perform any Service or to perform any other obligations under this Agreement which is
caused by an act of God, fire, floods, adverse weather or atmospheric conditions or other
catastrophes; war, sabotage, riots, acts of public enemy, or acts of governmental authority or the
Board of Governors of the Federal Reserve; labor difficulties; equipment or computer failure or
destruction or the unavailability, interruption, or malfunction of communications facilities or
utilities; delays or failure to act by you or third parties and their personnel; criminal acts; or
generally any cause reasonably beyond the Bank's control.

10.12. Reimbursement.

Any reimbursement by the Bank for any liability hereunder may be made either directly to you or by
adjustment of the aggregate ledger and collected balances of your accounts.

10.13. Indemnification.

In addition to other indemnification and liability provisions elsewhere in this Agreement, to the
fullest extent allowed by law, if your use of the Service is not primarily for personal, family, or
household purposes, and/or if your applicable Account(s) is (are) not established primarily for
personal, family or household purposes, you will be liable for, hold harmless, and will indemnify
the Bank and Vendor, and their respective employees and agents, from and against all claims of any
sort by third parties or others arising out of this Agreement, including all losses and expenses
incurred by the Bank arising out of your failure to report required changes, transmission of

incorrect data to the Bank, or failure to maintain compliance with all laws, regulations and rules.
Except for those losses caused directly by the Bank’s gross negligence or to act in good faith, you
agree to indemnify and hold the Bank, its officers, directors, shareholders, agents, employees, and
affiliates, and their respective officers, directors, agents and employees, harmless from and
against any and all losses, costs, suits, damages, claims, liabilities and expenses (including
reasonable attorneys’ fees) arising from or related in any way to (i) any Services performed in
connection with this Agreement, (ii) the Bank’s action or inaction in accordance with or reliance
upon any instructions or information received from any person reasonably believed by the Bank to be
an authorized representative of you, (iii) your breach of any of your covenants, agreements,
responsibilities, representations or warranties under this Agreement, and/or (iv) your breach of
applicable laws, rules or regulations.

10.14. ARBITRATION AND WAIVER OF JURY TRIAL.

YOU AND THE BANK AGREE THAT THE TRANSACTIONS PROCESSED UNDER THIS AGREEMENT INVOLVE “COMMERCE”
UNDER THE FEDERAL ARBITRATION ACT (“FAA”). ANY CONTROVERSY OR CLAIM BETWEEN YOU AND THE BANK, OR
BETWEEN YOU AND ANY OF THE BANK’S OFFICERS, EMPLOYEES, AGENTS OR AFFILIATED ENTITIES, THAT ARISES
OUT OF OR IS RELATED TO ANY SERVICE PROVIDED UNDER THIS AGREEMENT, WHETHER BASED ON CONTRACT OR IN
TORT OR ANY OTHER LEGAL THEORY, INCLUDING CLAIMS OF FRAUD, SUPPRESSION, MISREPRESENTATION AND FRAUD
IN THE INDUCEMENT (COLLECTIVELY, ANY “CLAIM”), WILL BE SETTLED BY BINDING ARBITRATION UNDER THE
FAA. THE ARBITRATION WILL BE ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS
COMMERCIAL ARBITRATION RULES (“THE ARBITRATION RULES”). IF A CLAIM IS SUBMITTED TO ARBITRATION, (A)
YOU WILL NOT HAVE THE RIGHT TO GO TO COURT OR TO HAVE A JURY TRIAL; (B) YOU WILL NOT HAVE THE RIGHT
TO ENGAGE IN PRE-ARBITRATION DISCOVERY
EXCEPT AS PROVIDED IN THE ARBITRATION RULES; (C) YOU WILL NOT HAVE THE RIGHT TO HAVE ANY CLAIM
ARBITRATED AS A CLASS ACTION UNDER THE ARBITRATION RULES OR UNDER ANY OTHER RULES OF CIVIL
PROCEDURE; (D) THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING WITH LIMITED RIGHTS TO APPEAL;
AND (E) THIS AGREEMENT SUPERSEDES ANY PRIOR ALTERNATIVE DISPUTE RESOLUTION AND/OR ARBITRATION
AGREEMENT THAT MAY EXIST BETWEEN YOU AND THE BANK. THIS AGREEMENT TO ARBITRATE DISPUTES WILL
SURVIVE THE CLOSING OF YOUR ACCOUNT AND THE TERMINATION OF THIS AGREEMENT.

10.15. Governing Law.

These terms and conditions of this Agreement shall be governed by and construed in accordance with
the laws of the State of Alabama, without regard to its conflict of law provisions and without
regard to your state of residence.

10.16. Enforcement.In the event a dispute arises either directly or indirectly under this Agreement, the venue for any
and all litigation resulting therefrom shall be in a court of appropriate jurisdiction in the State
of Alabama. The prevailing party in any such action shall be entitled, subject to applicable law,
to payment by the other party of its reasonable attorney’s fees (which may be or include the
allocable cost of in-house counsel) and costs, including fees for any litigation, arbitration,
mediation, appeal, or bankruptcy proceedings, and any post-judgment collection actions, if
applicable.

10.17. Miscellaneous Provisions.

10.17.1. Headings. The headings and captions contained in this Agreement are included only for
convenience of reference and do not define, limit, explain, or modify this Agreement or its
interpretation, construction, or meaning.

10.17.2. Severability. The holding of any provision of this Agreement as invalid, illegal, or
unenforceable, in whole or in part, shall not affect the other provisions of this Agreement, which
shall remain in full force and effect.

10.17.3. Waiver. No waiver by the Bank (whether or not in writing) of any term, condition, or
obligation of you under this Agreement shall bind the Bank to waive the same term, condition, or
obligation again, nor shall any other provision, condition, term, or obligation hereof be affected
by such a waiver.

10.17.4. Binding Effect. This Agreement shall inure to the benefit of and be binding upon the
successors, heirs, trustees, and permitted assigns of the parties hereto.
10.17.5. Entire Agreement. This Agreement constitutes the entire agreement between the parties
hereto concerning the subject matter hereof. All contemporaneous agreements or understandings
concerning the subject matter hereof, whether oral or written, are merged into this Agreement.

10.17.6. Transfers and Assignments. You cannot transfer or assign any rights or obligations under
this Agreement without the Bank's written consent. The Bank may assign its rights and delegate its
duties under this Agreement to a company affiliated with the Bank or to any other party.

10.18. Authority and Joint Accounts.

THE FOLLOWING PROVISIONS OF THIS SECTION APPLY ONLY TO SERVICE AND ACCOUNTS ESTABLISHED PRIMARILY
FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES.

You hereby represent and warrant that you have full right, authority and power to execute, deliver
and perform this Agreement. If this account is a joint account, you are jointly and severally
liable under this Agreement. Each of you acting alone may perform transactions, obtain information,
stop or change payments or transfers, terminate this Agreement or otherwise transact business, take
actions or perform under this Agreement. We are not required to obtain the consent of, or notify
any other of you. However, each of you will only be permitted to access accounts for which you are
an owner or authorized user.

Each of you individually releases us from any liability and agrees not to make a claim or bring any
action against us for honoring or allowing any actions or transactions where the person performing
the action or transaction is one of you or is otherwise authorized to use your Online Banking
account. Each of you agrees to indemnify us and hold us harmless from any and all liability
(including, but not limited to, reasonable attorney’s fees) arising from any such claims or
actions.

10.19. Other Provisions for Business Customers.

THE FOLLOWING PROVISIONS OF THIS SECTION APPLY ONLY TO SERVICE AND ACCOUNTS ESTABLISHED PRIMARILY
FOR BUSINESS PURPOSES.

10.19.1. Compliance with Laws, Rules, and Regulations.

You agree to comply with all existing and future instructions used by the Bank for processing of
transactions. You further agree to comply with and be bound by all applicable state or federal
laws, rules and regulations affecting the use of checks, drafts, fund transfers, and ACH
transactions, including but not limited to, rules and procedural guidelines established by the
Federal Trade Commission ("FTC"), the Board of Governors of the Federal Reserve, the National
Automated Clearing House Association ("NACHA") and any other clearinghouse or other organization in
which the Bank is a member or to which rules the Bank has agreed to be bound. These laws,
procedures, rules, regulations, and definitions shall be incorporated herein by reference.

11.1. General Description of Service. Subject to the terms and conditions of this Agreement, the
Mobile Banking Service allows you to use a Wireless Device to access available Account information,
to make payments to eligible payees, and to perform such other transactions as described in the
Mobile Banking tab in the Online Banking Service. In order to use the Mobile Banking Service, you
must first enroll for, and maintain enrollment in, the Online Banking Service, and you must follow
our instructions for enrolling and activating your Wireless Device. You also may be required to
accept or acknowledge other terms, provisions, or conditions in order to use certain features or
functionality of the Mobile Banking Service. Such terms, provisions, and conditions constitute a
part of the Mobile Banking Service terms and this Agreement. Cancellation of your enrollment in the
Online Banking Service may result in the cancellation of the Mobile Banking Service.

11.2. Use of the Mobile Banking Service. When you enroll in the Mobile Banking Service, designated
available Accounts and eligible payees and funds transferees linked to you through the use of other
Services will be accessible through the Mobile Banking Service. The Service will not work unless
you use it properly. You accept responsibility for making sure that you understand how to use the
Service before you actually do so, and then that you always use the Service in accordance with the
instructions we provide. You also accept responsibility for making sure that you know how to
properly use your Wireless Device and the Service software. We may change or upgrade the Service
from time to time. In the event of such changes or upgrades, you are responsible for making sure
you that you understand how to use the Service as changed or upgraded. We will not be liable to you for any losses caused by your failure to properly
use the Service or your Wireless Device. We reserve the right to modify the scope of the Service at
any time. We reserve the right to refuse to execute any transaction you request through the
Service. You agree and understand that the Service may not be accessible or may have limited
utility over some mobile networks, such as while roaming.

11.3. Security Procedure. In addition to other Security Procedures provided for in this Agreement,
the use of the Access Code and your Mobile Device is a security procedure established by Bank to
authenticate the identity of the person attempting to gain access to the Service. The security
procedure is not designed for the detection of errors. We may require you to change your Access
Code from time to time for security reasons. You should keep your Access Code in a secure location.
Any person having access to your Access Code will be able to access these Services and perform all
transactions, including reviewing Account information and using the Bill Pay Services. With this
Access Code, a third party will be able to use your Online Banking Service to add new payees to the
Bill Pay Service. You are responsible for safeguarding the Access Codes and your Mobile Device.
Providing these Access Codes to another person effectively constitutes a grant of authority to
access your accounts under Consumer Financial Protection Bureau Regulation E (“REG E”).

11.4. Relationship to Other Agreements. You agree that when you use the Mobile Banking Service you
remain bound by the terms and conditions of all your existing agreements with us (including, but
not limited to, the terms and provisions applicable to each Service that may be accessible through
the Mobile Banking Service) and that the terms of the Mobile Banking
Service do not amend or supersede any of those agreements, except as otherwise expressly provided
by the terms of the Mobile Banking Service. Any agreement you may have with our affiliates and/or
any unaffiliated service providers, including, but not limited to, your mobile service carrier or
provider, also remains in full force and effect. You understand that other agreements you may have
with us, our affiliates, and/or any unaffiliated service providers may provide for fees,
limitations, and restrictions which might impact your use of the Mobile Banking Service (for
example, your mobile service carrier or provider may impose data usage or text message charges for
your use of or interaction with the Service, including while downloading the Service software,
receiving or sending Service text messages, or other use of your Wireless Device when using the
Service software or other products and services provided through the Service), and you agree to be
solely responsible for all such fees, limitations and restrictions.

You agree that your mobile service carrier or provider is solely responsible for its products and
services. Accordingly, you agree to resolve any problems with your carrier or provider directly
with such carrier or provider without involving us. You also agree that if you have any problems
with the Mobile Banking Service, you will contact us directly.

11.5. Software License Agreement. Subject to your compliance with the terms of the Mobile Banking
Service and the terms of this Agreement, you are hereby granted the License. In the event that you
obtain a new or different Wireless Device, you will be required to download and install the Mobile
Banking Service software to that new or different Wireless Device. The License shall be deemed
revoked immediately upon (i) termination of the Mobile Banking Service, (ii) termination of the
Online Banking Service, (iii) your deletion of the Mobile Banking Service software from your
Wireless Device, or (iv) notice to you at any time, with or without cause. In the event the License
is revoked for any of the foregoing reasons, you agree to promptly delete the Mobile Banking Service software from your Wireless Device.

In the event of revocation of the License, your obligations which are accrued and owing or which expressly or by implication survive such revocation, shall survive.

11.6. Additional Usage Obligations.

When you use the Mobile Banking Service to access your Service
Accounts, you agree to the following terms (which terms shall survive any revocation of the
License):

11.6.1. Account Ownership/Accurate Information.

You represent that you are the legal owner of the
Service Accounts and other financial information which may be accessed through the Mobile Banking
Service. You represent and agree that all information you provide to us in connection with the
Service is accurate, current and complete, and that you have the right to provide such information
to us for the purpose of operating the Service. You agree to not misrepresent your identity or your
account information. You agree to keep your account information up to date and accurate.

11.6.2. Proprietary Rights.

You are permitted to use content delivered to you through the Mobile
Banking Service only in connection with your proper use of the Service. You may not copy,
reproduce, distribute, or create derivative works from this content. Further, you agree not to
reverse engineer or reverse compile any Service technology, including, but not limited to, any
Service software or other mobile phone applications associated with the Service.

11.6.3. User Conduct.

You agree not to use the Mobile Banking Service or the content or information
delivered through the Service in any way that would (i) infringe any third party copyright, patent,
trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including
any rights in the Service software, (ii) be fraudulent or involve the sale of counterfeit or stolen
items, including, but not limited to, use of the Service to impersonate another person or entity,
(iii) violate any law, statute, ordinance or regulation (including, but not limited to, those
governing export control, consumer protection, unfair competition, anti- discrimination or false
advertising), (iv) be false, misleading or inaccurate, (v) create liability for us or our
affiliates or service providers, or cause us to lose (in whole or in part) the services of any of
our service providers, (vi) be defamatory, trade libelous, unlawfully threatening or unlawfully
harassing, (vii) potentially be perceived as illegal, offensive or objectionable, (viii) interfere
with or disrupt computer networks connected to the Service, (ix) interfere with or disrupt the use
of the Service by any other user, or (x) result in unauthorized entry or access to the computer
systems of others.

11.6.4. No Commercial Use or Re-Sale.

You agree that the Mobile Banking Service is for personal use
only. You agree not to resell or make commercial use of the Service.

11.6.5. Exercise of Caution.

You agree to exercise caution when utilizing the Mobile Banking
Service application on your Wireless Device and to use good judgment and discretion when obtaining
or transmitting information.

11.6.6. Indemnification.

Without limiting any of your other obligations to us under this Agreement,
you agree to protect and fully compensate us and our affiliates and service providers from any and
all third party claims, liability, damages, expenses and costs (including, but not limited to,
reasonable attorneys’ fees) caused by or arising from your use of the Mobile Banking

Service, your violation of any of the terms of the Mobile Banking Service or your infringement, or
infringement by any other user of your Service Account, of any intellectual property or other right
of anyone.

11.7. Export Control and International Use.

The United States controls the export of products and
information containing encryption ("Controlled Technology"). You agree to comply with such
restrictions and not to export or re-export any Controlled Technology within the Service to
countries or persons prohibited under the Export Administration Regulations ("EAR"). By downloading
any products or information from this Service, you are agreeing that you are not in a country where
such export is prohibited and that you are not a person or entity to which such export is
prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding
the import, export, or re-export of any products or information subject to the EAR. We do not make
any representation that any content or use of the Service is appropriate or available for use in
locations outside of the United States. Accessing the Service from locations where its contents or
use is illegal is prohibited by Bank. Those choosing to access the Service from locations outside
the United States do so at their own risk and are responsible for compliance with local laws.

11.8. Mobile Banking Service Limitations.

11.8.1. Loss of Data.

Neither we nor our service providers can always foresee or anticipate
technical or other difficulties related to the Mobile Banking Service. These difficulties may
result in loss of data, personalization settings or other Service interruptions. Neither we nor any
of our service providers assumes responsibility for the timeliness, deletion, misdelivery or
failure to store any user data, communications or personalization settings in connection with your
use of the Service.

11.8.2. Operational Availability.

Neither we nor any of our service providers assumes
responsibility for the operation, security, functionality or availability of any Wireless Device or
mobile network which you utilize to access the Mobile Banking Service.

11.8.3. Errors and Delays.

Financial information obtained through the Mobile Banking Service
(including, without limitation, any text message alerts) reflects the most recent account
information available through the Service and may not be accurate or current. You agree that
neither we nor our service providers will be liable for any errors or delays in the content, or for
any actions taken in reliance thereon. Certain features, functions, and services available through
other Services or at our Online Banking Service website may not be available using the Mobile
Banking Service.

11.8.4. Nonsupported Carriers and Devices.

The Mobile Banking Service may not be available through
all mobile service providers and carriers, and some mobile phones and other wireless devices may
not be supported as Wireless Devices in connection with the Service. You are responsible for
periodically referring to our website to determine currently supported mobile service providers,
carriers, and Wireless Devices and for ensuring that you satisfy all technical
requirements for using the Service.