ELECTRONIC FUND TRANSFERS DISCLOSURE. and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR

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1 ELECTRONIC FUND TRANSFERS DISCLOSURE and MOBILE BANKING AGREEMENT YOUR RIGHTS AND RESPONSIBILITIES IMPORTANT! IF YOU DISCOVER YOUR VISA DEBIT CARD OR MAC CARD IS LOST OR STOLEN, PLEASE REPORT IT IMMEDIATELY BY CALLING DURING BUSINESS HOURS OR AFTER HOURS How to Contact Us: Write - Citizens Bank 33 N. Indiana St. Mooresville, IN Phone (317) Everyday is a business day except Saturdays, Sundays and federal holidays. The following pages indicate the types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully, because it tells you your rights and responsibilities for the transactions listed. You should keep this notice for future reference.

2 ELECTRONIC FUNDS TRANSFER DISCLOSURE: TYPES, FREQUENCY AND LIMITS OF TRANSFERS Automatic Teller Machine(ATM)Transfers If you have been authorized, you may use your MAC ATM Card or Visa Debit Card using your personal identification number, to do the following, providing there are sufficient funds in your account: 1. Withdraw cash from your checking or savings account up to a daily limit of $1,000 or $500 if you have a MAC card or Health Savings account; 2. Transfer funds between your bank deposit accounts; 3. Make deposits to your checking or savings accounts; 4. Pay your Citizens Bank installment or mortgage loan payment; 5. Get checking or savings account information. Fees: Citizens Bank will charge a $1.00 fee per cash withdrawal at any ATM not owned by our bank. Notice Regarding ATM Fees By Others: If you use an automated teller machine that is not operated by Citizens Bank, you may be charged a fee by the operator of the machine and/or by an automated transfer network. Computer Transfers You may use your customer number and password to access your account by computer at You may perform the following transactions: 1. Transfer funds between your Citizen Bank deposit accounts; 2. Pay your Citizens Bank installment or mortgage loan payment; 3. Get account information;

3 4. Transfer to a Christmas Club account 5. Pay bills. Bill payment cut-off time is 3:00 PM CT. After this time, payments will be processed on the next business day. On-line transfers have no monetary restrictions provided funds are available. See Additional Information section for important information about transfers. Electronic Check Conversion You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge if a check is returned for insufficient funds. Mobile Banking You may access your account by downloading our app from Play or the App Store through a web-enabled cell phone to do the following: 1. Transfer funds to and from deposit accounts. 2. Transfer to a Christmas Club, Citizens Reserve, installment, mortgage loan or revolving line of credit account. 3. Make payments from deposit accounts with us to loan accounts with us. 4. Make deposits to deposit accounts. (See Mobile Deposit section for more detailed information.) 5. Get checking or savings account information. Message and data rates may apply from your wireless carrier. See Additional Information section for important information about transfers. Point of Sale Transactions (POS) If you have been authorized, you may use your Visa Debit Card to pay for service or merchandise up to a daily limit of $2,500 per day provided funds are available in your designated checking account. If you have a Health Savings Account, the maximum daily limit is $1,000 per day provided funds are available in your designated account.

4 You may access your checking account to purchase goods or pay for services in person, by phone or by computer; get cash from a merchant, if the merchant permits it, or from a participating financial institution, and do anything that a participating merchant will accept. Signature required transactions are permitted. Telephone Transfers You may access your account by calling using a touch tone phone. You need your account number and personal identification number assigned to by a Bank Associate. You may make the following transfers: 6. Transfer funds between your Citizens Bank deposit accounts; 7. Get account information. Telephone transfers are restricted in amounts we have designated, provided funds are available. See Additional Information section for important information about telephone transfers. RIGHT TO RECEIVE DOCUMENTATION You will receive a receipt at the time you make a transaction using our ATM Machine. You may not get a receipt if the amount of a transfer at any ATM or point-of-sale is $15 or less. You will receive a monthly statement on any deposit account when electronic fund transfers occur, including electronic bill payment. You will receive a quarterly statement on your savings account if you have requested electronic fund transfer service but you make no electronic transaction during a quarter. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES We will not disclose information to third parties about your account or the transfers you make unless: 1. It is necessary for completing transfers, or 2. It is necessary to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or

5 3. We are required to comply with validly issued subpoenas or court orders, or 4. You gave us your written permission. PREAUTHORIZED PAYMENTS Preauthorized electronic transfers from your account to other parties must be authorized by you in writing and you must be provided with a copy by the party that obtains the authorization from you. To cancel any authorization, you should contact the party to whom authorization was given. If regular payments may vary in amount, such as a utility bill, the party you are going to pay will tell you 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set. See Additional Information section for important information about preauthorized transfers. Stop Payment of Preauthorized Payments: If you have authorized regular payments to be taken out of your account, you can stop any of these payments. Here's How: Call us or write us in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing within 14 business days after you call. There will be a $33.00 charge to you for each stop payment order you give in accordance with our current fee schedule. If you order us to stop one of these payments 3 business days before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. BANK LIABILITY If we do not properly complete a transfer to or from your account according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for example:

6 o o o o o o o If, through no fault of ours, your account does not contain enough money to make the transfer. If the transfer would go over the credit limit on your overdraft line. If the automated teller machine where you are making the transfer does not have enough cash. If the terminal was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control such as fire or flood prevent the transfer. If you do not correctly fill out the deposit or payment form; and If you do not provide the correct information when using our telephone banking services or internet bill payment system. There may be other exceptions stated elsewhere in the terms and conditions governing your account and in this agreement. ERROR RESOLUTION In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. 1. Tell us your name and account number. 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 1. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for point of sale, foreign initiated transfer, or involving a new account) to investigate your complaint or question. If we decide to do this, we will provide provisional credit to your account

7 within 10 business days (20 business days involving a new account) for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provide provisional credit. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of documents that we used in our investigation. **An account is considered a "new account" during the first 30 calendar days after the account is established. We will provide provisional credit within 5 business days of notification of unauthorized use of the Visa Debit Card from point-of-sale transactions. We may require written confirmation from you before providing provisional credit, or we may withhold provisional credit to the extent allowed under applicable law if the circumstances or account history warrant the delay. LOSS, THEFT OR UNAUTHORIZED USE (Consumer Liability): Tell us AT ONCE if you believe your card, PIN, or password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way to keep your possible losses down. If you fail to notify us promptly, you could lose all the money in your account, plus your maximum line-of-credit overdraft protection if you have one. You could lose all the money in your account (plus your maximum overdraft available line of credit or maximum allowable under your overdraft service). If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone uses your Card or password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or password, and we can prove we could have stopped someone from using your account without your permission if you had told us, you could lose as much as $ Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you,

8 you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card, PIN or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this disclosure. If your Card, PIN or password has been stolen, we may close your accounts to keep losses down. Special Note: Limits on Liability for Visa Debit Card, when used for pointof-sale transactions. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA, or to commercial cards. This additional limit does not apply to internet usage. For other assertions of unauthorized Visa transactions: Maximum of $50 liability if you provide proper notification of unauthorized Visa transaction. We may require you to provide a written statement regarding claims of unauthorized Visa transactions. ADDITIONAL INFORMATION In addition to limitations on transfers described elsewhere in this disclosure, transfers or withdrawals from a savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party, are limited to 6 per month. This does not apply to Health Savings accounts.

9 Notice Disclosure Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, Citizens Bank is not required to give next day notice to you of receipt of an ACH item and Citizens Bank will not do so. However, Citizens Bank will continue to notify you of the receipt of payments in the periodic statements we provide you. Choice of Law Disclosure Citizens Bank may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing House (ACH) and which are not subject to the Electronic Fund Transfer Act, and shall be construed in accordance with and governed by the laws of the state of New York as provided by the operating rules of the National Automated Clearing House Association which are applicable to ACH transactions involving your account. A 1% Currency Conversion fee will be assessed on International transactions where Visa or Plus has performed a currency conversion function. This fee will be based on a rate selected by VISA or Plus from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA or PLUS itself receives, or the government mandated rate in effect for the applicable central processing date. A 0.80% (80 basis points) Cross Border Fee will be assessed on all single currency International transactions. Provisional Payment Disclosure Credit given by Citizens Bank to you with the respect to an automatic clearing house (ACH) credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If Citizens Bank does not receive such final settlement you are hereby notified and agree Citizens Bank is entitled to a refund of the amount credited via such entry (ie. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

10 9/16 MOBILE DEPOSIT AGREEMENT: Mobile Deposit is a service that allows you to remotely deposit paper checks into an eligible Account by creating an Electronic Deposit through our Remote Deposit Capture System. We will process and collect the Electronic Deposit through the check collection system just as we would a paper check. Your Responsibility With respect to each Electronic Deposit that you transmit to us, you indemnify and hold us, our affiliates and other Service Providers and each of our and their respective officers, directors, employees and agents harmless from and against any and all claims, demands, damages, losses, liabilities, penalties and expense (including, without limitation, reasonable attorney fees and court costs at trial or on appeal) arising directly or indirectly: From your failure to follow the eligibility or endorsement standards outlined in this agreement From your breach of any check presentment representation or warranty As a result of any of our acts or omissions in the capturing, creation, or transmission of the Electronic Deposit From any duplicate, fraudulent, or unauthorized presentment of an Electronic Deposit For any loss caused by our acceptance of the Electronic Deposit in lieu of the original paper check; or From any other act or omission arising out of our action or inaction taken pursuant to any request by you or pursuant to this Agreement. If you believe you have deposited a check more than once, please call the Electronic Operations Department immediately at

11 Security Procedures- You must comply with all security procedures for Mobile Deposit that are established by us or set forth in any written user requirements communicated to you. You are solely responsible for: Maintaining your own internal security procedures for maintaining, marking, destroying paper items deposited using Mobile Deposit. Safeguarding the security and confidentiality of any information obtained from your deposited checks that may be printed from, stored on, or transferred from, the Capture Device, the Remote Deposit Capture System, or your other computer/data systems or portable media; and Preventing errors or unauthorized access to the Capture Device or the Remote Deposit Capture System. Our Responsibility Availability- We will take reasonable measures to ensure that Mobile Deposit is available, but we are not liable for system failures or temporary service disruptions that cause Mobile Deposit to be unavailable. If Mobile Deposit is unavailable; you are responsible for carrying out your business through alternative channels. Further, we are not liable for any inaccurate or incomplete information with respect to transactions which have not been completely processed or posted using mobile Deposit. We are not liable to you for a failure to process an Electronic Deposit, or any error that results in processing or collecting an Electronic Deposit: For which you have not provided us with full and correct MICR Data and dollar amount from the original paper check; For which you have not provided an accurate and legible image of the original paper check, For which you have failed to comply with formatting standards or other guidelines required by us; or

12 That would violate this Agreement or any other agreement between you and us. Determination of Items Eligible for Mobile Deposit You may only create a Check Image of items made payable to you individually or to you alternatively with another person or persons (John Doe or Jane Doe); jointly payable items (John Doe and Jane Doe) may not be deposited using Mobile Deposit unless both parties have endorsed the item (see additional endorsement standards below). Without limiting the preceding sentence, we reserve the right to reject any deposit for any reason and the following items are specifically not eligible for deposit using Mobile Deposit. U.S. Treasury Checks, Checks, including travelers checks, that are drawn on banks located outside of the United States, Checks payable in a medium other than U.S. dollars, Non-cash items (as defined under Section 229.2(u) of Federal Reserve s Regulation CC), Promissory notes and similar obligations, such as savings bonds, Third party checks, Pre-existing substitute checks, Checks that have been previously returned as unpaid or uncollected, Checks drawn on your own Citizens Bank account, Checks greater than 180 days old, Checks that contain erasures or checks that have been altered/fictitious; and Any other class of checks or drafts as communicated to you from time to time. Creating an Electronic Deposit Endorsement- The check must be properly endorsed by the payee(s) of the check and the check must be deposited into an account of the payees. Each

13 payee must sign his or her name along with the printed words For Mobile Deposit Only and the account number to which the check will be deposited. Accuracy- You are responsible for creating an accurate Check Image and inputting the correct dollar amount of the check into the Capture Device. In creating the Check Image, ensure that the MICR Data, check number, and name of the maker of the check are commercially printed on the check. Any defects such as tears or alterations may prevent the Capture Device from creating an accurate Check Image, causing the Electronic Deposit to be rejected. If you receive error messages indicating that the Electronic Deposit has been rejected you may be asked to physically deposit the check at your local bank branch or ATM. Legibility- you are responsible for the inspection of all Check Images to ensure the legibility of the Check Image including without limitation the dollar amount, the signature of the person who made the check, and for ensuring that any and all information on the paper check is accurately captured and legible in the resulting Check Image. If any information is not accurately captured and legible, you may cancel the scan/photography and rescan/re-photograph the physical check. Any physical check that continues to yield an illegible Check Image after repeated scanning/photographing attempts must be physically deposited at your local branch. Security Features- You acknowledge that the Capture Device may not capture all security features (e.g., watermarks) contained in or on the original paper checks, and you must manually examine the paper item to determine authenticity prior to creating a Check Image or submitting and Electronic Deposit. You agree to assume any and all losses resulting from claims based on security features that do not survive the image process.

14 Submitting an Electronic Deposit Confirmation and Receipt- When submitting an Electronic Deposit, you will receive an from us confirming that we have received the Electronic Deposit. After we have confirmed receipt of your deposit, you will receive a second from us indicating whether your deposit has been approved for processing or rejected. Performance of Mobile Deposit may be affected by external factors such as communication network latency. An Electronic Deposit is not considered received until the entire Electronic Deposit transmission is received by us and you receive a message confirming that the Electronic Deposit was received. Deposit Limits You are limited in the amount that you may deposit at any given time using Mobile Deposit. The following deposit limits apply to each account: Daily Limit- Limits the total combined value of all items deposited in a single Business Day. Deposits made after the daily cutoff time or on a non-business Day (as explained in the Funds Availability section below) will apply to the daily limit of the next Business Day. Weekly Limit- Limits the total combined value of all items deposited in a single week. For the purposes of deposit limits a week is defined as the current Business Day plus the four previous Business Days. Monthly Limit- Limits the total combined value of all items deposited in a single month. For the purposes of deposit limits a month is defined as the current Business Day with in the same calendar month.

15 The deposit limits vary depending on many factors including your deposit history and the length of your relationship with us. Deposit limits are subject to change as we continually evaluate these factors and/or you can request an increase by contacting the Electronic Ops Department at to start the approval process for the increase. Fees and Charges There is no fee for using our Mobile Deposit product. Funds Availability This policy only applies to deposits made using Mobile Deposit; deposits made at a branch location or ATM remain subject to the funds availability policy outlined in the most current version of your deposit account agreement. We are not liable for transactions you initiate before the funds are available for your use. Until you receive confirmation that the funds are made available, you may not withdraw the funds in cash and we may not use the funds to pay items that you have written or honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, we may charge a fee for this. Mobile Deposit is available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: Deposits submitted and approved before 3:30 p.m. Eastern on a Business Day will be posted the same day and available for withdrawal after nightly processing.

16 Deposits submitted and approved after 3:30 p.m. Eastern on a Business Day (or items deposited on a non-business Day) - these deposits will not be posted until the next available Business Day and will not be available for withdrawal till after nightly processing of that day. Please remember that even after the item has cleared, we have made funds available to you;, and you have withdrawn the funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposit. Returned or Rejected Items Returns- If a check that is deposited using Mobile Deposit is returned to us unpaid for any reason (such as non-sufficient funds); you agree that we may charge your account for any and all fees associated with the returned item. Our per item charge back fee is $5.00. Rejections- We will notify you whether your deposit is approved or rejected; you will not be charged a service fee for rejected items. Depending on the reason for the item being rejected you may be able to re-deposit the item through Mobile Deposit otherwise you will need to deposit the item by other means. We reserve the right to reject any deposit for any reason and below is a list of the most common reasons for rejecting an item through Mobile Deposit: Item not eligible as described above Not properly endorsed Absence of For Mobile Deposit Only Payee/Account Title Discrepancy Items requiring a Regulation CC hold

17 Account/Customer Relationship status Marking, Retaining, and Destroying Original Paper Checks To mitigate the risk of potential fraud or the presentment of duplicate items, you agree to clearly mark on the original paper check that the item has been deposited electronically. Items should be marked after you receive confirmation that the deposit was received and approved for processing by Citizens Bank. Destruction- You must destroy the original paper check in accordance with this Agreement and employ commercially reasonable methods to securely store the original paper check until destruction. You agree to securely store all deposited checks in a location away from daily processing activities. To help ensure that checks are not electronically processed more than once or physically deposited at the bank after being electronically deposited, you will establish procedures to ensure that only authorized persona have access to these checks. Retention- Retain all checks for at least 60 calendar days after the deposit is made in case a check is returned and you need to collect by re-depositing the original item. You agree to destroy all deposited checks as soon as reasonably possible thereafter. Cross-cut shredding is strongly recommended for check destruction. At our request, you must provide the original paper check to us if the original paper check has not been destroyed by you and we need the original paper check to process a payment or resolve a dispute arising from an Electronic Deposit. Re-presentment- In the event we, in our sole discretion, determine that we require the original paper check for re-presentment in order to collect a returned Check Image or Substitute Check, you are responsible for providing to us the original paper check, or if the original paper check has been destroyed, for obtaining a replacement check.

18 Representations and Warranties With respect to each Electronic Deposit that you transmit to us, you are deemed to make any representation or warranty that would have applied had you deposited the original paper check. In addition you are deemed to make to us any representation or warranty that we make, under applicable law, clearinghouse rule, Federal Reserve Operating circular, bi-lateral agreement or otherwise, to any person (including without limitation a collecting U.S. bank, a Federal Reserve Bank, a Receiving Depository Financial Institution, a paying bank, a returning bank, the drawee, the drawer, any endorser, or any other transferee) when we representations and warranties include but are not limited to, that: (a( the transmissions contain accurate images of the front and back of the original checks; (b) the transmissions contain all necessary endorsements; and (c) no depository bank, drawee, drawer, or endorser will be asked to make a payment based on an item that is has already paid. TERM AND TERMINATION: We may terminate all or part of this agreement and your use of any or all Online Services for any reason and at any time with or without prior notice as the law requires. You agree that you will immediately stop using Online Services upon our request. You may voluntarily terminate your access to Online Services and withdraw your consent to this Agreement by calling the Electronic Ops Department at If you terminate your access and/or withdraw your consent to this agreement, you will no longer have access to any of the Online Services.

19 09/16

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