BALANCE COMPUTATION METHODS. The daily balance method applies a periodic rate to the full amount of principal in the account each day.

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1 TRUTH-IN-SAVINGS DISCLOSURE Non-interest Bearing Accounts TODAY'S DATE Feb 12, 2018 ACCOUNT TYPE FREE BLUE CHECKING (311) ACCOUNT NUMBER INTEREST RATE 0.00% ANNUAL PERCENTAGE YIELD 0.00% HOW WE DETERMINE THE INTEREST RATE HOW WE COMPUTE THE BALANCE TO DETERMINE YOUR INTEREST This account will not earn or be paid interest. N/A HOW WE COMPOUND AND CREDIT YOUR INTEREST N/A YOUR MINIMUM DEPOSIT, TIME AND BALANCE REQUIREMENTS To open this account you must deposit $ 50. HOW TRANSACTIONS ON THIS ACCOUNT ARE LIMITED There are no transaction limitations on this account. ADDITIONAL FEES AND TERMS FOR THIS ACCOUNT Arvest Online Banking and e.statements are required for this account. If after 30 days you have not agreed to AOB Terms & Conditions and consented to the Use of Electronic Communications, the account will be converted to a Basic Blue account with a monthly service charge of $3.00. Online BillPay per item $.50 Overdraft Protection (upon approval) - If an item is presented for payment and there are not sufficient funds in the account we will pay the item into overdraft up to $400.00, including NSF/OD fees. Current NSF/OD fees still apply. You agree we reserve the right to remove or reduce your limit at any time without prior notification. You also acknowledge we reserve the right to refuse to pay any item(s) at any time regardless of account status. See Schedule of Fees and Charges on Reverse. BALANCE COMPUTATION METHODS The daily balance method applies a periodic rate to the full amount of principal in the account each day. The average daily balance method applies a periodic rate to the average balance in the account for the period. The average daily balance is calculated by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. TISANonInt.pdf 02/18/16

2 SCHEDULE OF FEES AND CHARGES These charges may be changed by us at any time after reasonable notice of not less than 30 days. PFUN316 (c) FormAtion Technologies, Inc. (4/21/94) (800) TISANonInt.pdf 02/18/16

3 SCHEDULE OF FEES AND CHARGES (PERSONAL FINANCIAL SERVICES) Member FDIC FEES LISTED MAY NOT APPLY TO ALL ACCOUNT TYPES ATM USAGE: Fee applies to the use of an ATM or terminal not owned and operated by Arvest Bank, including balance inquiry, deposit, or withdrawal. The ATM owner may charge an additional fee. ATM ACCOUNT INQUIRY $2.00 per item ATM TRANSACTION $2.00 per item ATM OR DEBIT CARD REPLACEMENT $7.50 per card ATM OR DEBIT CARD EXPEDITED DELIVERY CHARGES: RUSH MAILING $60.00 per card SPECIAL DELIVERY MAILING $70.00 per card INTERNATIONAL STANDARD MAILING $40.00 per card INTERNATIONAL EXPEDITED MAILING $60.00 per card AUTOMATIC TRANSFERS TO OR FROM EXTERNAL BANK $10.00 per transfer CASHIER S CHECK $8.00 per check CHARGEBACK OF DEPOSITED ITEM $8.00 per item CHECK PRINTING: Fee will be assessed based on product features and the quantity and style of checks you order. Shipping and handling charge of $5 may also apply. TEMPORARY CHECKS (SET OF 4) $2.00 set of 4 COLLECTION ITEM (INCOMING OR OUTGOING) $20.00 per item COLLECTION ITEM (INTERNATIONAL) $40.00 per item DORMANT ACCOUNT $5.00 per month A checking account is considered dormant if it has had no deposit or withdrawal activity for a period of 365 days. A money market or savings account is considered dormant if it has had no activity for a period of 730 days. Internal transactions, such as the posting of interest or service charges, do not qualify as activity. The fee is charged monthly until the account is reactivated, the balance reaches or falls below zero, or is remitted to the appropriate state as unclaimed property. To avoid this fee, you need to maintain a balance of $10,000 or more, or complete at least one deposit or withdrawal per year (two years if the account is a money market or savings). FAX OUTGOING (LONG DISTANCE) $5.00 per fax request FAX OUTGOING (INTERNATIONAL) $25.00 per fax request FOREIGN CURRENCY $20.00 per exchange INTERNAL TRANSFER (CUSTOMER SERVICE ASSISTED) $3.00 per transfer MONEY ORDER $3.00 per item ONLINE BILLPAY (if applicable, based on account type features) $0.50 per item OVERDRAFT (OD) INSUFFICIENT FUNDS (NSF) A fee will be charged, when permitted by law, for each overdraft created by check, ATM withdrawal, in person withdrawal or other electronic means. NSF/OD CHARGE RETURN ITEM $17.00 per item NSF/OD CHARGE PAID ITEM $17.00 per item RESEARCH OR ACCOUNT RECONCILIATION (plus postage costs, if applicable) $25.00 per hour SAFETY LINK TRANSFER FEE $10.00 per transfer STATEMENT OPTIONS: CURRENT ACTIVITY $4.00 per request DUPLICATE MONTHLY STATEMENT $10.00 per month STOP PAYMENT ORDER (initial order or a renewal) $25.00 per item VERIFICATIONS-CONFIRMATIONS: VERIFICATION OF DEPOSIT $20.00 per request (Including Credit/Audit Confirmations) WIRE TRANSFERS: INCOMING WIRE $10.00 per transfer OUTGOING WIRE (DOMESTIC) $20.00 per transfer OUTGOING WIRE FAX ADVICE (INTERNATIONAL) $60.00 per transfer TRACE FEE (DOMESTIC) $20.00 per trace TRACE FEE (INTERNATIONAL) $35.00 per trace 17ABG005 01/2018

4 FACTS WHAT DOES ARVEST DO WITH YOUR PERSONAL INFORMATION? Rev. 11/2017 Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Transaction history and payment history Credit history and credit scores How? All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information; the reasons Arvest chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Arvest share? Can you limit this sharing? For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness For our affiliates to market to you For nonaffiliates to market to you Yes Yes No Yes Yes Yes No No No We don t share No Yes Yes We don t share To limit our sharing Call or Visit us online: Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call or go to

5 Page 2 Who we are Who is providing this notice? Arvest Bank; Arvest Investments, Inc., doing business as Arvest Wealth Management; Arvest Central Mortgage Company; Arvest Insurance, Inc.; Security BankCard Center, Inc.; and Waco Title Company. What we do How does Arvest protect my personal information? How does Arvest collect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you open an account or apply for a loan show your government-issued ID or use your credit or debit card make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can t I limit all sharing? Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account unless you tell us otherwise. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with an Arvest name; and financial companies such as Security BankCard Center, Inc. and Waco Title Company Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Arvest does not share with nonaffiliates so they can market to you Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Arvest doesn t jointly market

6 Arvest Bank ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE The federal Electronic Fund Transfer Act and Regulation E require financial institutions to provide certain information to consumers (i.e., natural persons) regarding electronic fund transfers (EFTs). Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This Agreement and Disclosure also applies to the use of an ATM Card or Debit Card and any other personal identification number, password, or access code ( Access Device ) we have issued to you as described below. In this Agreement and Disclosure ( Agreement ), we, our and us refer to Arvest Bank and its affiliates. You and your refer to each and every owner of an account and all others authorized to access an account on your behalf. The provisions in this Agreement apply only to electronic fund transfers that debit or credit a checking, savings or other asset account owned by a consumer and used primarily for personal, family or household purposes. All terms in this Agreement will have the same meaning as that contained in Regulation E. Terms and Conditions. Arvest Bank offers a variety of services that our customers may use to initiate electronic transfers of funds to or from their accounts. This agreement includes important information about the rights, liabilities, and responsibilities of each party involved in an electronic fund transfer (EFT). By establishing or using an EFT service, you agree to the terms and conditions below, as well as those contained in your application for the service. We may change the fee for any service at any time, but will provide you a notice before such change takes effect. Your account is also governed by the terms and conditions of other applicable agreements between you and Arvest Bank, including but not limited to the Schedule of Fees and Charges. Electronic Fund Transfer (EFT) Services ATM CARD OR DEBIT CARD If we issue you an ATM Card or Debit Card, you may use it for the types of services noted below and the following provisions will be applicable: Using Your Card and Personal Identification Number ( PIN ). In order to assist us in maintaining the security of your account and the terminals, the ATM Card or Debit Card ( Card ) remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may at our sole discretion, charge or credit the transaction to another account. In this case, you agree to pay us the amount of the improper withdrawal or transfer upon request. Your ATM Card may only be used with your PIN. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Arvest Bank immediately if your Card is lost or stolen, or if the secrecy of your PIN is compromised. You also agree: (i) not to reveal your PIN to any person not authorized by you to use your Card; and (ii) not to write your PIN on your Card or on any other item kept with your Card. We have the right to refuse a transaction on your account when your Card or PIN has been reported lost or stolen, or when we reasonably believe there is unusual activity on your account. The security of your account depends upon you maintaining possession of your Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN by visiting any branch office. Automated Teller Machine (ATM) Services The following services are available through the use of your Card: You may withdraw cash from your checking account(s), savings account(s), and money market account(s). You may make deposits into your checking account(s), savings account(s), and money market account(s). You may transfer funds between your checking account(s), savings account(s), and money market account(s). You may make balance inquiries on your checking account(s), savings account(s), and money market account(s). Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions. Besides being able to use your Card at our ATM terminals, you may access your accounts through the following networks: Shazam, Pulse, Plus or Visa. When you use an ATM not owned by us, you may be charged a fee by the ATM operator for any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Point-of-Sale (POS) Transactions You may use your Debit Card to purchase goods and services from merchants that have arranged to accept the card as a means of payment (these merchants are referred to as Participating Merchants ). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your Debit Card, including any purchase where you receive cash, are referred to as Point-of-Sale transactions and will cause your designated account to be debited for the amount of the purchase. The designated account for debit card transactions is your checking account. In addition, your Debit Card may be used at any merchant that accepts Visa debit cards for the purchase of goods and services. Your Debit Card may also be used to obtain cash from your designated account at participating financial institutions. Each time you use your Debit Card, the amount of the transaction will be debited from your designated account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the Debit Card transactions. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection. If we do, you agree to pay the overdraft. 1 EFT

7 When you use your Debit Card on the Pulse network, the transaction may be processed as a debit transaction without requiring PIN authentication ( PIN-less ). Transactions that are completed as PIN-less debit transactions will not be processed by Visa and may post to your account as an ATM or debit transaction rather than a Visa purchase. Visa s Zero Liability Policy will not apply to transactions processed in this manner. Transactions completed as PIN-less debit transactions include, but may not be limited to, government payments, utilities, and property management fees. Most merchants, however, must provide you a clear way of choosing how you want the Debit Card transaction processed. Currency Conversion Visa. When you use your Debit Card at a merchant that settles in currency other than U.S. dollars, the charge will be converted into the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. IMPORTANT ADDITIONAL FEE NOTICE. Visa charges an International Service Assessment Fee on all international transactions. Your Debit Card purchase will be subject to the Visa International Service Assessment (ISA) Fee of 1.000% of the transaction amount when there is a currency conversion. If there is no currency conversion (the transaction is completed in the same currency as your country as cardholder), the ISA Fee will be 1.000% of the transaction amount. Arvest Bank does not determine the currency conversion rate or the amount of the transaction in U.S. dollars. Your account will be charged the transaction amount as determined by Visa, plus the 1.000% currency conversion fee. We reserve the right to restrict or block any international transaction. Please see the Limitations on Electronic Fund Transfer (EFT) Services below. ACCOUNT INFORMATION LINE (AIL) You may use your access code to perform the following functions through our telephone banking solution: Initiate transfers of funds between your Arvest Bank checking, money market and savings account(s). Make balance inquires on your Arvest Bank checking, money market and savings account(s). Verify incoming direct deposit amounts or the credits and debits that have posted to your account(s). Make a payment on your consumer loan. Account Transfer Limit. You may use your Access Code to transfer up to $10,000 between your accounts during a business day. This limit applies to each account. Arvest Loan Payments. This account transfer option may not be available for all of your loans with us or for certain types of payments. Money Market and Savings Account Restrictions. Federal regulations require us to treat AIL transfers from a money market or savings account as a payment to a third party. Please read Limitations on Electronic Fund Transfer (EFT) Services. A fee may also be charged for exceeding the limit. ONLINE & MOBILE BANKING You may use your Online Banking ID and password to perform the following functions through our internet banking or mobile banking solutions: Initiate transfers of funds between your Arvest Bank accounts. Check your Arvest Bank account balance(s), and the credits and debits that have posted to your account(s). Make a payment on your Arvest Bank loan or Security Bank Card credit card. Initiate Arvest to Arvest Transfers, or transfers of funds from your eligible Arvest consumer checking account to an eligible consumer or business account of another Arvest customer. Please read the Arvest to Arvest Transfers section under Limitations on Electronic Fund Transfer Services. BILL PAY SERVICES By adding this service to your online or mobile banking, you may pay bills from your account using a computer or mobile device. We will use one of two methods to initiate the payment of your bill. The Payee Type you select along with other factors will determine how the transfer is completed, and the applicable rules and regulations that will apply to the transaction. Electronic Method. Your payment will be made electronically and, therefore, covered by this Agreement if certain criteria are met. These criteria include the Payee s participation in the Automated Clearing House (ACH) Network and/or acceptance of electronic payments as well as other determining factors. Check Method. For all other payees, the payment will be made solely by check, draft or similar paper instrument drawn on your account. As such, your deposit contract with us, and not this agreement, will cover the check payment. Fees for Bill Pay. We may charge your account a fee for each Bill Pay item you initiate. You should refer to the terms of your account with us and the current Schedule of Fees and Charges we have furnished you. Copies of this schedule are available upon request. If you have more than six withdrawals or transfers (including Bill Pay items) from a money market or savings account during the monthly statement cycle, you will also be charged an additional fee for each withdrawal or transfer after the sixth one. Please refer to the terms and conditions of your money market or savings account for more information on these transaction restrictions and the fees charged for exceeding the limits. POPMONEY By adding this service to your online banking, you may transfer funds from your checking account in the amount of $5.00 or more to anyone in the United States via or text message. Your account will be charged a fee for each transfer you send. You should check the current service terms for the amount you will be charged for each transfer. ELECTRONIC CHECK CONVERSION You may authorize a merchant or other payee to make a one-time electronic payment from your checking 2 EFT

8 account using information from your check to pay for purchases or to pay bills. PREAUTHORIZED TRANSFER SERVICES You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), and money market account(s). You may also arrange for the preauthorized automatic payment of bills from your checking account(s), savings account(s), and money market account(s). Rights and Procedures to Stop Payment of Preauthorized Transfer If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment of a preauthorized transfer, call us at or write to: Arvest Bank Attention: Deposit Operations PO Box 1670 Lowell, Arkansas, You may also execute the stop payment order by visiting the nearest Arvest Bank branch for assistance. We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after your call. These rights apply only to preauthorized transfers, such as automatic bill payments. We will charge your account our standard Stop Payment/Renewal fee in effect at the time you place the order. YOU MAY NOT PLACE A STOP PAYMENT ORDER ON ANY TRANSACTION INITIATED WITH YOUR ATM CARD OR DEBIT CARD. Our Liability for Failure to Stop Preauthorized Transfer Payments If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages. Limitations on Electronic Fund Transfer (EFT) Services ATM Card Daily Withdrawal Limit You may use your ATM Card to withdraw cash up to $ from your account(s) at automated teller machines (ATMs) during a business day. For example, ATM withdrawals made after cutoff on Friday, on Saturday and on Sunday are included in the limit for Monday. ATM usage fees or surcharges are deducted from this limit. Debit Card Daily Limit for Withdrawals and PIN-based Point-of-Sale Transactions You may use your Debit Card with your PIN to make purchases or withdrawals up to $1, during a business day at or through Participating Merchants or terminals. For example, transactions made after cutoff on Friday, on Saturday and on Sunday are included in the limit for Monday. Daily Limit for Signature-based Point-of-Sale Transactions You may use your Debit Card without your PIN to make purchases up to $2, during a business day at or through Participating Merchants. For example, purchases made after cutoff on Friday, on Saturday and on Sunday are included in the limit for Monday. Blocked ATM Card and Debit Card Transactions We reserve the right to lower the daily limits, place additional restrictions, and/or block transactions without notice to help prevent the unauthorized or fraudulent use of your card. Our actions may include, but are not limited to, blocking transactions from certain types of merchants, retailers located in certain states or international transactions. Representative Payee Accounts and Access Devices Arvest does not issue debit cards to Organizational Representative Payees. Arvest to Arvest Transfers You may use your Online Banking ID and password to transfer a total of $2, per Online Banking ID per business day from your eligible consumer Arvest checking account(s) ( FROM accounts) to the eligible consumer or business account of another Arvest customer ( TO account). This means that the most one Online Banking ID can transfer per business day (regardless of the number of accounts) is a total of $2, The transfer limit is $5, per Online Banking ID per business day for Private Banking customers. Arvest to Arvest Transfers are not available from Health Savings Accounts (HSAs) or Spending Card accounts. Money Market Account Restrictions (including fees) may apply as described below. Money Market and Savings Account Restrictions Federal regulations limit the number of checks, telephone transfers, online transfers, debit card transactions, and preauthorized electronic transfers from money market and savings type accounts. For each money market and/or savings type account you have with us, you are limited to six such transfers each month for purposes of making a payment to a third party or by use of a telephone, computer or mobile device. If you have more than six withdrawals or transfers of this type from a money market or savings type account during the monthly statement cycle, you may be charged additional fees for each withdrawal or transfer. If excessive transactions continue, your account may be closed, or we may change the product to a type without these transaction limitations. Other Limitations We reserve the right to impose limitations for security purposes at any time. 3 EFT

9 Notice of Rights and Responsibilities The use of any electronic fund transfer described in this Agreement creates certain rights and responsibilities as described below. Right to Receive Documentation of Your Transfers Transaction Receipts Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your ATM Card or Debit Card at a Participating Merchant. If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt. Periodic Statements If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receive a statement less frequently than monthly, you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case, you will receive a monthly statement. In any case, you will receive your statement at least quarterly. Preauthorized Deposits If you have arranged to have direct deposit made to your account at least once every sixty (60) days from the same person or company, they will tell you every time they send us the money. To find out whether or not the deposit has been made, you can call us at You can also check your transactions 24/7 by logging on to our telephone, online or mobile banking systems. Notice of Varying Amounts If you have arranged for automatic periodic payments to be deducted from your checking or savings account(s) and these payments vary in amount, you will be notified by the person or company you are going to pay ten (10) days prior to the payment date of the amount to be deducted. 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 you set. Your Responsibility to Notify Us of Lost or Theft If you believe your ATM Card, Debit Card, or Access Device has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call or write: Arvest Bank ATTN: Deposit Operations PO Box 1670 Lowell, AR You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. Your Liability Tell us at once if you believe your ATM Card, Debit Card, or Access Device has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your Access Device, you can lose no more than fifty dollars ($50.00) if someone uses your Access Device without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Device and we can prove we could have stopped someone from using it without your permission if you had given us notice, you can lose as much as five hundred dollars ($500.00). Also, if your statement shows transfers you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft limit or line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. Your Liability for Unauthorized Debit Card Transactions The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your Debit Card. These limits apply to unauthorized transactions processed on the Visa network. If you notify us of an unauthorized transaction involving your Debit Card, and the unauthorized transaction took place on the Visa network, zero liability will be imposed on you for the unauthorized charge. We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your Debit Card. The zero liability provisions do not apply to PIN-based or PIN-less debit transactions not processed by the Visa network, including ATM transactions. Your liability for unauthorized transactions with your Debit Card that involve PIN-based or PIN-less debit transactions not processed by the Visa network, including ATM transactions, are described under Your Liability above. Illegal Use of Debit Card You agree not to use your Debit Card for any illegal transactions, including internet gambling and similar activities. 4 EFT

10 In Case of Errors or Questions About Your Transactions In case of errors or questions about your electronic fund transfers, Call: OR Write: Arvest Bank ATTN: Deposit Operations PO Box 1670 Lowell, AR You may also use the current information on your most recent account statement to reach us. Notification should be made as soon as possible if you think your statement is wrong or if you need more information about a transaction listed on the statement. You must contact Arvest Bank no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. You must be prepared to provide the following information: - Your name and account number; - A description of the error or transaction you are unsure about, along with an explanation as to why you believe it is an error or why you need more information; and - The dollar amount of the suspected error. If you give notice by calling us, you may be required to send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (20 business days for a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (90 days for new accounts and Point-of-Sale transactions) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (20 business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made. 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. Liability for Failure to Complete Transfer If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance: - If through no fault of ours, you do not have enough money in your account to make the transfer. - If the transfer would result in you exceeding the credit limit on your line of credit, if you have one. - If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. - If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. - If we have terminated our Agreement with you. - If we receive inaccurate or incomplete information needed to complete a transaction. - If the funds in the account are subject to legal action preventing a transfer to or from your account. There may be other exceptions provided by applicable law. Charges for Transfers or the Right to Make Transfers ATM-POS Fees You may be charged a fee for cash withdrawals at an ATM not owned by us or a point-of-sale transfer through a Participating Merchant. An ATM operator may also charge you a fee for a balance inquiry even if you do not complete a fund transfer. Schedule of Fees and Charges Your account will be charged for each transfer/transaction as published in the Schedule of Fees and Charges we have provided you, which is hereby incorporated into this Agreement. Additional copies of the schedule may be obtained from Arvest Bank upon request. Card Replacement Fee We may charge our standard published fee to reissue or replace your ATM Card or Debit Card. Overdraft Fee Unless restricted by law, we will charge our standard published NSF/OD fee for each item presented against insufficient funds in your account (excluding any overdraft limit). This fee may be charged for an ATM Card or Debit Card transaction even when it was preauthorized based on sufficient funds in the account at the time of withdrawal, transfer or purchase. 5 EFT

11 Disclosure of Account Information You agree that merchant authorization messages transmitted in connection with Point-of-Sale transactions are permissible disclosures of account information, and you further agree to release Arvest Bank and hold it harmless from any liability arising out of the transmission of these messages. We will disclose information to third parties about your account or electronic fund transfers made to your account: (i) where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or (ii) in order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or (iii) in order to comply with government agency or court orders; or (iv) with your consent. Definition of Business Day Our business days are Monday through Friday, excluding federal and State of Arkansas legal holidays observed by us. Amending or Terminating this Agreement We may change or amend any of the terms and conditions of this Agreement, including applicable fees, at any time upon at least thirty (30) days written notice to you prior to the effective date of the change or amendment. If you do not agree to abide by a change or amendment, you must notify Arvest Bank of the fact prior to the effective date of the change or amendment and cancel this Agreement. Your failure to furnish notice before the change or amendment takes effect shall be deemed to be your acceptance of such change or amendment. Arvest Bank may cancel this Agreement at any time, without giving you prior notice. Notice of ATM Safety Precautions For your safety, please remember the following tips when you use any ATM, particularly after dark: (1) Have your card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. (2) If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly. (3) If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. (4) Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location. (5) If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. (6) When using the machine, stand so you block anyone else s view from behind. (7) If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. (8) Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then. (9) Keep your receipts and verify transactions on your account statement. Report errors immediately. Do no leave receipts at an ATM location. Additional Provisions You agree not to reveal your Access Device to any person not authorized by you to access your account. 6 EFT

12 ARVEST BANK FUNDS AVAILABILITY POLICY Your Ability to Withdraw Funds Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposit every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day we are open we will consider that to be the day of your deposit. However, if you make a deposit on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the 2nd business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid You deposit checks totaling more than $5,000 on any one day You redeposit a check that has been returned unpaid You have overdrawn your account repeatedly in the last six months There is an emergency, such as failure of computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 7th business day after the day of your deposit. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposit to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day s total deposits of cashier s, certified, teller s, traveler s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury Check) is not made in person to one of our associates, the first $5,000 will not be available until the second business day after the day of deposit. Funds from all other check deposits will be available no later than the 9th business day after the day of your deposit. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. Effective 11/26/13 FundsAvail.pdf revised 10/29/13

13 CHECK 21 - SUBSTITUTE CHECK POLICY IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT Substitute Checks and Your Rights To make check processing faster, federal law permits banks to replace original checks with substitute checks. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: This is a legal copy of your check. You can use it the same way you would use the original check. You may use a substitute check as proof of payment just like the original check. Some or all of the checks you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also entitled to interest on the amount of your refund if your account is an interest bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under the law. If you use this procedure, you may receive a refund up to the amount of the item (not to exceed $2,500) plus interest (if interest is earned) within 10 business days after we received your claim and the remainder of your refund plus interest (if interest is earned) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact your local branch, call or visit You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your Claim must include - 1). A description of why you suffered a loss (for example, you think the amount withdrawn was incorrect). 2). An estimate of the amount of your loss. 3). An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss and 4). A copy of the substitute check and/or the following information to help us identify the substitute check: identifying number (for example, the check number), the name of the person to whom you wrote the check, and the amount of the check. Check21.pdf Arvest Bank 10:09

14 IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT The USA Patriot Act and the related rules and regulations requires all financial institutions to verify the identity of customers in certain situations, as defined by law. Customers include, but are not limited to, deposit account holders, borrowers, guarantors of credit, parties in trust, purchasers of investment products and signers on deposit accounts and loans. We are required to ask you to provide your name, current address, social security number or other government issued identifying number and date of birth. You may be asked to provide proof of your identity, such as a valid driver s license, passport (and country of issuance), or other government issued photo identification documenting evidence of nationality and residence. The information you provide to us may be verified using one or more methods. For instance we may compare it against public databases of information to determine that it is valid. We may also ask you additional questions after the time of your transactions concerning the information requested. If the information cannot be verified satisfactorily, your account may be restricted or closed. 24-Hour Account Info Line USPatriotAct Hour Account Info Line is the automated customer service line. A touch-tone phone is all you need to give you current account/card information.you may access information about: checking, savings, spending card, money market accounts, and loan information. By choosing a Personal Identification number (PIN) for 24-Hour Account Info Line, I agree and understand that this number will allow me access to my accounts/cards when I call the 24-Hour Account Info Line. The Bank reserves the right to refuse to release this number to the owner(s) of the account(s)/card(s) whether in person, by telephone, or by letter. If the number is lost or stolen, I will contact the Bank immediately to select a new number. I understand that my Personal Indentification number (PIN) should be kept confidential and not disclosed to any party that is not an account/cardowner. Disclosure of my Personal Identification number (PIN) to another party is considered implied consent and the Bank will not be liable for any transactions conducted due to disclosure of your Personal Identification number (PIN). Arvest Online Banking Agreement I am requesting the above named accounts be included in the Arvest Online Banking service. I understand that access to this service is controlled by Logon ID(s) and Password(s). The security of the Logon ID(s) and Password(s) shall be my sole responsibility and I agree to keep the Logon ID(s) and Password(s) confidential and not to disclose them to any unauthorized person. The Bank shall not be liable to me for any loss or damage sustained by me or any third party resulting from, or arising out of, my failure to safeguard the confidentiality of the Logon ID(s) and Password(s). I agree to change my Password(s) on a regularly scheduled basis or in the event I feel my password(s) may have become compromised, I agree to promptly change my Password(s) and notify the Bank. The Bank shall not be liable to me or any third party for any loss or damage resulting from, or arising out of, my failure to do so. If I utilize the Bill Payment Services, I authorize Arvest Bank to post the bill payment transactions by electronic transfer, a draft without signature, or a debit to the account. If I elect to terminate this service, a ten day(10) written notice must be provided to Arvest Bank. All applicable portions of the agreement shall remain in effect with respect to any entries initiated by me prior to such termination. This agreement does not supersede any signature card rules and regulations, depository agreements, or any other agreements I may have with the Bank. All account agreements and rules now or hereafter governing my accounts will remain in full force and effect after the execution of this agreement. We may discontinue your Arvest Online Banking for any reason, including non-usage or 180 days of inactivity, at any time. My use of this service signifies that I have read and accepted the terms and conditions of Arvest Online Banking and Bill Payer Services. These terms and conditions can be located on the sign-on page for Arvest Online Banking services. Application for Electronic Access Device Depositor (whether one or more) hereby applies to Bank for an electronic access device ("Access Device"), and additional Access Devices for the authorized person(s) indicated below, to access the accounts listed below and to perform such other banking functions with the Access Device as are described in the Electronic Fund Transfers Agreement and Disclosure. If there are questions about this Application, Bank may contact Depositor at the address or phone number shown above, or depositor may contact Bank at the following telephone number: (866) Depositor, and any authorized person(s) indicated above, have received a copy of the Electronic Fund Transfers Agreement and Disclosure and agree to be bound by the terms and conditions contained therein, as they may be amended from time to time by Bank, and to pay all fees that may be assessed in connection with the issuance, maintenance, and/or use of the Access Device(s). Depositor also authorizes Bank to check credit and employment history should it deem necessary. Under penalties of perjury, I Arvest Applicant(s) certify each of the following statements beside which an "X" appears: SSN(s) Provided is my correct taxpayer identification number (or I am waiting for a number to be issued to me). I am a U.S. person (including a U.S. resident alien). SUBSTITUTE FORM W-9 CERTIFICATIONS I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding. The FATCA code(s) entered on this form (if any) indicating I am exempt from FATCA reporting is correct. Exemption from FATCA reporting code (if any) Deposit Agreement In consideration of Bank's agreement to open this account, and other value received by each of us, the Depositor (whether one or more) agrees to the terms stated on this form and acknowledges receipt of this Deposit Agreement & Terms and Conditions and other applicable disclosures. In the event of a conflict or inconsistency between the terms of any separately receipted document and this Agreement, the term of the separately receipted document shall govern and control. Depositor also authorizes Bank to check Credit and Employment history should it deem necessary. The terms and conditions of all receipted documents, together with all terms and conditions stated hereof, are incorporated herein by this reference. OAONonMO.pdf 14:47

15 Terms and Conditions GENERAL PROVISIONS - The following printed terms, and those on any separate agreements and disclosures (the terms and conditions of which have been incorporated herein), will govern the operation of this account, unless clearly varied in writing or typing. "We," "our," or "us" means the depository institution and "you" means the Depositor, or each Depositor, if more than one. This agreement includes your promise to pay the charges for check orders and other charges as shown on the Schedule of Fees and Charges and your permission for us to deduct these charges, as we earn them, directly from the account balance. You also agree to pay any additional reasonable charges we may impose for services you request which are not contemplated by this agreement. Each of you agrees to be jointly and severally liable for any account deficit resulting from charges or overdrafts, together with the costs we incur to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees. We will not be liable for dishonor of your checks or other items resulting from our deduction of any such charges and, to the extent permitted by law, collection costs and reasonable attorneys' fees. This agreement is governed by state and federal law and regulations and applicable clearinghouse rules, except to the extent that this agreement can and does vary such rules or law. OWNERSHIP OF ACCOUNT - The following provisions explain the rules applicable to this account depending on the form of ownership specified on the reverse side. Only the portion corresponding to the form of ownership specified will apply. Individual Account - This account is owned by one person who does not create any rights to the account in any other person. Multiple Party Account - With Survivorship - This account is owned in the name of two or more persons. Each owner intends that upon death the balance in the account, subject to any outstanding pledge to which we have consented, will belong to the survivor(s), and will not be inherited by the heirs of the deceased owner or controlled by the deceased owner's will. If two or more owners survive, the survivors will own the account equally with survivorship, unless otherwise required by applicable law. Multiple Party Account - No Survivorship - This account is owned by two or more persons, none of whom intend to create any right of survivorship in any other person. Revocable (Totten) Trust or Pay-On-Death Account - This account is owned by one or more persons/trustees who create this account. If two or more owners/trustees create this account, it is a multiple party account with survivorship and will not be inherited by the heirs of the deceased owner/trustee or controlled by the deceased owner's/trustee's will. The named beneficiary will acquire rights to the account only upon the death of all owners/trustees, and provided the beneficiary is then alive. In the case of two or more surviving beneficiaries, the account will become a multiple party account with no survivorship. The account owner(s)/trustee(s) reserve(s) the right, at any time, to change beneficiaries, account type, and/or account ownership, and to withdraw all or part of the account balance. Custodian Under Uniform Gifts/Transfers to Minors Act - The funds deposited to this account, together with all earnings and additions, constitute an irrevocable gift to the named Minor, to be administered by the named Custodian under the Uniform Gifts/Transfers to Minors Act (as adopted by the state indicated in Bank's address), the terms and provisions of which are incorporated herein by reference. Fiduciary Account - The named representative(s) exercise(s) control over these accounts for the benefit of third party(ies), and the fiduciary relationship is established other than by this agreement. Organization Account - This account is owned by the named organization, which acts through its authorized representatives. The governing body of the organization shall provide us with an authorization, in a form acceptable to us, telling us who is authorized to act in its behalf. We will honor this authorization until we actually receive written notice of a change from the governing body. We are not responsible for any transaction conducted by a previously authorized representative if we have not actually received written notice from the governing body of the organization that the representative is no longer authorized to transact on its behalf. DEPOSITS - In receiving items for deposit or collection, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. We are not liable for default or negligence of our duly selected correspondents, nor for losses in transit, and each correspondent is not liable except for its own negligence. Any items accepted for deposit (including items drawn "on us") will be given provisional credit only until collection is final and in U.S. dollars. We are not responsible for any transactions (including any deposits made at an outside depository) until we actually record them. You agree to assume liability for any endorsement that violates the standards prescribed by Federal law or regulation. WITHDRAWALS - Unless otherwise indicated on the reverse side, any one of you who signs this agreement, as a Depositor or otherwise, may withdraw or transfer all or any part of the account balance at any time on forms approved by us. Each of you authorizes each other person signing this agreement to endorse any item payable to you or your order for deposit to this account or any other transaction with us, until we receive actual notice to the contrary. A check that will overdraw the available account balance will trigger a service charge, whether we pay the item or dishonor it. We may, at our option and in lieu of other charges in connection with an overdraft, charge interest on the overdraft at a rate not to exceed the maximum legal rate until paid. You agree, immediately upon notice from us, to deposit funds sufficient to cover any overdraft plus service charges. In connection with overdrafts, our determination of the account balance may be made at any time between presentment and our midnight deadline, and will only be made once. The fact that we may honor withdrawal requests which overdraw the available account balance does not obligate us to do so. We will not be obligated to honor such requests unless required by law or by another agreement we have with you. We reserve the right to disregard any information on the check other than the drawer's signature, the payee, the amount, and any magnetically-encoded information at the bottom of the check. Unless previously agreed to by us in writing, we will not be liable for payment of any post-dated item, or for payment of any item bearing on its face any conditional statement or restriction such as "Void after 90 days", "Void over $100", "Paid in full", or "Two signatures required". If we pay any such item, we may charge the full amount of that item to your account. We may refuse any withdrawal or transfer request which is for an amount less than any minimum withdrawal requirement or which exceeds any frequency limitation. If you fail to observe these stated account limitations, we may close this account. We will use the date a transaction is completed by us (and not the day you initiate it) to apply the frequency limitations. On interest-bearing accounts other than time deposits, we reserve the right to require at least seven days' written notice before any withdrawal or transfer. Withdrawals from a time deposit prior to maturity or prior to the expiration of any notice period may be restricted or prohibited and, if consented to by us, may be subject to a substantial penalty. WHOLESALE WIRE AND ACH TRANSACTIONS - With respect to wire transfers or other transfers of funds not governed by the Electronic Funds Transfer Act, you agree to enter into and comply with our wire transfer (if applicable) agreement and to comply with our security procedures and this section. We advise you that any receiving financial institution (including us) is entitled to rely on any account or bank number you have provided even though that account or bank number may identify a party different from the person or entity you have described by name in any transfer order. Provisional Payment - Credit given by us to you with respect to an automated clearing house credit or wholesale (wire) funds transfer entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to this account in connection with such entry, and the party (the originator of the entry) making payment to you via such entry shall not be deemed to have paid you the amount of such entry. Notice of Receipt - We will notify you of the receipt of payments in the periodic account statements we provide to you. You acknowledge that we will not give next day notice to you of receipt of an automated clearing house or wholesale (wire) funds transfer item. ELECTRONIC CHECK CONVERSION - You may authorize a merchant to use your check as a source of account information to initiate an electronic withdrawal from your account. The merchant uses the check information, along with the transaction amount, to initiate an ACH debit transaction. The transaction is electronically transferred through the ACH system and the funds will be debited directly from your account and deposited automatically into the merchant's account. After the information is gathered from the check, the merchant should mark it void and return it to you. You should sign and receive a receipt documenting the transaction. A description of the transaction will appear on your monthly statement from us. Checks used in these types of transactions will not be returned with your statement. If you authorize a merchant to use your check for this type of transaction, the transfer is governed by the Electronic Funds Transfer Act and subject to the Electronic Funds Transfer Agreement and Disclosure. RE-PRESENTED CHECKS - A merchant may also re-present a check returned for insufficient or uncollected funds electronically. The merchant must provide notice to you, before accepting your check, that your returned check may be collected electronically. Checks used in these types of transactions will not be returned with your statement. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act. However, if the merchant charges you a fee as a result of the returned check and the fee is electronically debited from your account that transfer will be covered by the Electronic Funds Transfer Act and subject to the Electronic Funds Transfer Agreement and Disclosure. ACCOUNT TERMS, AMENDMENTS, AND TERMINATION - This account is subject to charges, interest rates, and minimum balance requirements established from time to time by us. We may change such applicable charges, interest rates, and minimum balance requirements, or any other account terms, at any time, after such notice, if any, as is required by law, or if there is no specific requirement of law, then after reasonable notice. Notice from us to any one of you is notice to all of you. This account relationship may be terminated by us at any time and without previous notice by mailing notice thereof and a check for the account balance, if any, to you at your address as shown on our records on the date of mailing. This account may not be transferred or assigned without our written consent. STOP PAYMENTS - Any one of you can order us to stop payment on a check drawn on your account. In order to place a stop payment order, you must inform us of the exact amount of the check, the number of the check, the number of the account and the name of the payee; otherwise, we may not catch your stop order. We will not be responsible if the check in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after you give us a stop order to notify our employees. Oral stop payment requests are effective for fourteen (14) days unless confirmed by written order; written stop payment orders are effective for six (6) months and may be renewed. There is a charge for each stop payment request. You agree to hold us harmless for all liability, expense, and cost we incur because we refuse to pay the check, except for our failure to exercise ordinary care. If we recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee or other holder of the check, and to assist us in legal action taken against that person. No stop payment orders are allowed on cashier's checks, teller's checks, or certified checks, except as provided or required by law. STATEMENTS - If periodic statements are generated for this account, such statements will be mailed to you at the address shown on our records unless you otherwise instruct us. Examine your statement carefully upon receipt and reconcile your account. Notify us promptly of any error or unauthorized signature or alteration. If you do not notify us of an unauthorized signature or alteration promptly, you cannot assert the unauthorized signature or alteration against us if we suffered a loss by reason of your failure to do so. If you do not notify us of an unauthorized signature or alteration within a reasonable time (not to exceed 30 calendar days) after we send or make available to you your statement and (if applicable) accompanying items, you cannot assert any unauthorized signatures or alterations by the same wrongdoer on any items paid by us after the reasonable time mentioned above elapses, but before we receive notice from you. DIRECT DEPOSITS - If we deposit any amount in this account which should have been returned to the State or Federal Government for any reason, you authorize us to deduct the amount of our liability to the State or Federal Government from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. SET-OFF - By signing this form, for value received, you each grant to us a security interest in the account and in addition agree that we have the right (without prior notice and when permitted by law) to set-off the funds in this account against any due and payable indebtedness owed to us now or in the future by any of you, either individually or jointly. We may set-off any debt owed to us by any one or more of you without regard to the ownership or source of the funds in the account and without requirement that the debt be owed to us by all of you rather than only some of you. This right of set-off does not apply to this account to the extent restricted or prohibited by law or contract. You agree to hold us harmless from any claim arising from exercise of our right of setoff. DORMANT ACCOUNTS - We may, after a reasonable period of inactivity, consider your account dormant. Dormant accounts (if interest bearing) will continue to earn interest, and will be subject to such maintenance and service charges as may be shown on the Schedule of Fees and Charges. We will mail periodic statements for dormant accounts. We may define dormancy differently than as defined by applicable state law. ADDITIONAL ACCOUNT TERMS - This agreement is governed by the laws of the State of Missouri. If you are opening an interest bearing account, you hereby acknowledge and accept the qualifications and/or terms as set forth within the Truth in Savings Disclosure. If you are opening a time deposit account, this agreement is applicable to that account and any future book entry receipts of identical ownership. OAONonMO.pdf 15:04

16 OVERDRAFT OPTIONS OVERDRAFT COVERAGE OPTIONS At Arvest, we offer options on how you want to handle overdrafts on your account should you inadvertently take your account into a negative balance. We also offer a number of solutions to help prevent overdrafts from happening on your account. You should choose the program that works best for your individual situation. SafetyLink We can set up an automatic transfer from your money market or savings account to cover overdrafts that may happen on your personal checking account. SafetyLink is a good alternative if you have a separate account with sufficient funds available to cover any unexpected overdrafts. There is a limit of six SafetyLink overdraft transfers per month (i.e., statement cycle), and that number may be reduced by other transactions occurring during the month on your savings or money market account. Other transactions that may limit the number of overdraft transfers include telephone transfers, checks written on a money market account, preauthorized automatic withdrawals, debit card purchases, mobile banking transfers or online banking transfers. Once your savings or money market account has reached the maximum number of these limited transactions for the current statement cycle, no additional overdraft transfers will be allowed until the next statement cycle. It is important to understand that, when an overdraft occurs on your checking account, checks and other items on your account may be returned when your funding account has reached the transaction limit. When your funding account does not have enough money to cover the overdraft on your checking account, we will transfer funds to cover the fee and pay items according to our posting order. Some checks or other items, though, may be returned. There is a $10 transfer fee charged to the checking account each day we transfer funds to cover an overdraft. The transfer amount includes an amount necessary to cover the fee. When funds are not available or you have reached your transfer limit, checks and other items clearing your account will be subject to an Insufficient Funds/Overdraft fee of $17 and may be returned to the payee. Additional merchant fees may apply. If there are items we are unable to return, such as preauthorized debit card transactions or checks that have been cashed at the bank, we will assess an Overdraft fee of $17 for each item paid into a negative balance when permitted by law. There is a maximum of eight (8) Insufficient Funds/Overdraft fees per day. If you select this option, you should be aware that debit card purchases you make will be authorized only for the balance in your checking account. Available funds in a SafetyLink funding account will not be considered in approving debit card purchase transactions or cash withdrawals at an ATM. You should review the SafetyLink Transfer Agreement for complete details on this program. 17ABG005 05/2017 Member FDIC

17 OVERDRAFT COVERAGE OPTIONS Overdraft Coverage Your checking account comes with a preset overdraft limit (see table below), which is available on most personal checking accounts between 30 and 120 days from when overdraft coverage is requested, subject to approval. Generally, accounts approved for overdraft coverage have no more than two Insufficient Funds items presented for payment or have not been overdrawn more than two consecutive days in the first 30 days after overdraft coverage is requested. Overdraft Coverage Includes ATM/ Debit Transactions Preferred Club Arvest Club myblue Basic Blue Free Blue Basic Overdraft Coverage No $1,000 $800 $600 $400 $400 Extended Overdraft Yes $1,000 $800 $600 $400 $400 No Overdraft Coverage SafetyLink Transfers No No You can elect to have no overdraft coverage. Checks and other items that overdraw your account will be returned. Up to 6 transfers per month, covers overdrafts on your account with funds from your Savings or Money Market account. $10 fee each day transfers are made. Once approved for overdraft coverage, we will pay checks and other items that cause your account to go into a negative balance up to the amount of the overdraft limit on your account. We pay all overdrafts at our discretion. Our Options That Can Assist in Reducing Overdrafts information can help you better understand how you can limit overdrafts on your account. Basic Overdraft Coverage pays these items: Checks you write and checks initiated by BillPay online or via our mobile application ACH electronic payments for bills automatically deducted from your account Recurring debit card transactions, such as a monthly membership or subscription Basic Overdraft Coverage does not cover everyday debit card transactions or ATM transactions. These transactions would be declined at the point of sale or at the ATM when there are insufficient funds in your account to complete the transaction. Extended Overdraft Coverage pays these items: All of the items included in Basic Overdraft Coverage Everyday debit card purchases ATM Transactions (including cash withdrawals and transfer between accounts) One-time online card payments (including utilities, online shopping and reservations) Unless you specifically decline overdraft coverage, request SafetyLink, or opt in to Extended Overdraft Coverage, your account will default to Basic Overdraft Coverage. 17ABG005 05/2017 Member FDIC

18 OVERDRAFT COVERAGE OPTIONS Overdraft Fees We will charge you an Overdraft fee of $17 for each paid overdraft item up to a maximum of eight (8) Overdraft fees per day, regardless of the number of paid overdraft items. If checks or other items clearing your account cause a negative balance in excess of your overdraft limit, those items will be returned and a $17 Insufficient Funds fee per item will be assessed when permitted by law. Additional merchant fees may also apply. If you select our overdraft coverage program, you should understand that you are still responsible for bringing your account to a positive balance. If your account maintains a negative balance at the end of posting each business day for 35 consecutive days, we will remove your overdraft coverage. If your account maintains a negative balance at the end of posting each business day for 56 consecutive days, your account will be closed. Decline Overdraft Coverage You may determine that you do not want any overdraft coverage at all. If you are concerned about managing your account with the overdraft coverage options previously described, we can remove all coverage. When you decline overdraft coverage, checks and other items presented on your checking account that would cause an overdraft will be returned and you will be assessed a $17 Insufficient Funds fee for each item when permitted by law. Additional merchant fees may also apply. We will decline debit card purchases and ATM transactions that would take your account into a negative balance. If you have authorized a recurring transaction on your debit card, such as a monthly payment, it could overdraw your account and we may charge you a $17 Insufficient Funds fee for each item presented against insufficient funds, up to a maximum of eight (8) Insufficient Funds fees per day. The order in which items are posted to your account depends on when the items are presented to the bank for payment. This is important if there is not enough money in your account to pay for all of the transactions presented to the bank. This can affect the number of transactions either paid into overdraft or returned unpaid, as well as the amount of fees you may have to pay. Changing your Overdraft Coverage Type You can elect to change your overdraft coverage option at any time. Unless you have specified otherwise, your account comes with Basic Overdraft Coverage. To add or remove SafetyLink, call or visit a local Arvest Bank location. To remove overdraft coverage, elect Basic Overdraft Coverage or elect Extended Overdraft Coverage, you can use any of these convenient options: Online using our Choose Your Overdraft Coverage Options request process Call our customer service department at (866) Visit your local Arvest Bank branch location. 17ABG005 05/2017 Member FDIC

19 OVERDRAFT COVERAGE OPTIONS How to tell when overdraft changes go into effect: If Your Current OD Option is: No OD Coverage (Declined) And you are requesting to change to the following OD option: Basic Extended Change will be effective: Up to 30 days from date of request and subject to approval as described under Overdraft Protection above. If not eligible, customer will be notified by letter. Up to 30 days from date of request and subject to approval as described under Overdraft Protection above. If not eligible, customer will be notified by letter. Basic OD Coverage No OD Coverage (Declined) Extended OD Coverage Immediately Immediately if change made in person in a branch. If not made in person, such as over the phone or online, change will be effective 3 business days after request is received. Extended OD Coverage No OD Coverage (Declined) Basic OD Coverage Immediately Immediately 17ABG005 05/2017 Member FDIC

20 OVERDRAFT COVERAGE OPTIONS Options That Can Assist in Reducing Overdrafts We offer a number of options to assist you in managing your checking account balance to be sure you do not inadvertently overdraft. Monitoring your balance not only can help you prevent overdraft fees, it can also alert you should any type of fraudulent activity take place on your account. We are happy to help you get set up with any of these services: 24-Hour Account Info Line Automated account information available by phone 24 hours a day, 7 days a week. This service includes the ability to transfer funds between accounts. Any transactions you initiate that have not yet been presented to the bank are not reflected in the available balance information. Arvest Online Banking You can use Arvest Online Banking to monitor account activity and balance information each day for transactions that have been presented to the bank. You can also use Arvest Online Banking to transfer funds between accounts and to initiate electronic bill payments through our Online BillPay service. Any transactions you initiate that have not yet been presented to the bank are not reflected in the available balance information. Arvest Mobile Banking You can use Arvest Mobile Banking to monitor account activity and balance information each day for transactions that have been presented to the bank. You can also use Arvest Mobile Banking to transfer funds between accounts. In addition, with a smart phone app you can deposit checks into your account without making a trip to the bank. Any transactions you initiate that have not yet been presented to the bank are not reflected in the available balance information. Text Alerts Customers with Arvest Mobile Banking can also sign up for SMS text alerts or push notifications regarding specific account transactions, including deposits posting, withdrawals over a set limit, account dropping below a predetermined balance threshold or an overdraft fee posting. Balance Alerts Set up alerts through Arvest Online Banking that will notify you when your account reaches a specific balance amount. In addition, we offer online assistance at arvestmoneyskills.com. This website has resources to assist you with managing your money such as setting budgets, managing credit and a number of other areas of financial management. If you do not have access to the internet, come visit us at your local branch for assistance in using these valuable resources. 17ABG005 05/2017 Member FDIC

21 What You Need to Know About Overdrafts and Overdraft Fees An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Your checking account comes with a preset overdraft limit and overdraft coverage is available on most personal checking accounts between 30 and 120 days from when overdraft coverage is requested, subject to approval. Unless you make another election, the default coverage on your account is Basic Overdraft Coverage. What is the Basic Overdraft Coverage plan that comes with my account? If you have Basic Overdraft Coverage, we do authorize and pay overdrafts up to your overdraft limit for the following types of transactions: Checks you write and checks initiated by BillPay online or via our mobile application ACH electronic payments for bills automatically deducted from your account Recurring debit card transactions, such as a monthly membership or subscription If you have Basic Overdraft Coverage, we do not authorize and pay overdrafts for any of the following types of transactions: ATM Transactions*, including cash withdrawals and transfers between accounts Everyday debit card transactions*, such as purchasing items at a store *Transactions that would create an overdraft will be declined at the time the transaction is initiated unless you have chosen to affirmatively consent, or opt in, for Extended Overdraft Coverage. What if I want Arvest Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you want us to authorize and pay overdrafts for your ATM and everyday debit card transactions, you must affirmatively consent, or opt in, to our Extended Overdraft Coverage plan. This service pays all of the items included in Basic Overdraft Coverage, plus everyday debit card transactions, ATM Transactions (including cash withdrawals and transfers between accounts), and one-time online card payments (including utilities, online shopping and reservations), up to your overdraft limit. You have the right to revoke your consent at any time. If we do not authorize and pay an overdraft, your transaction will be declined or the item may be returned. We pay all overdrafts at our discretion. What fees will I be charged if Arvest Bank pays my overdraft? We will charge you an overdraft ( OD ) fee of up to $17 each time we pay an overdraft. We will charge you an OD fee for each paid overdraft item up to a maximum of eight (8) fees per day, regardless of the number of paid overdraft items presented each day. What if I want to change the Overdraft Coverage Plan I have on my account? You can change your overdraft coverage plan or decline overdraft coverage at any time through the options listed below: Call Visit your nearest Arvest Bank branch Arvest.com Are there any other ways to manage overdrafts at Arvest Bank? Arvest Bank offers an alternative overdraft coverage option, which may be less expensive than Basic or Extended Overdraft Coverage plans: our SafetyLink service provides automatic transfers from your Savings or Money Market account to cover overdrafts that may occur on your checking account. There is a $10 fee each day an overdraft transfer is made, and monthly transaction limits do apply. We also offer several options to assist you in managing your checking account balance to be sure you do not inadvertently overdraft. Monitoring your balance not only can help you prevent overdraft fees, it can also alert you should any type of fraudulent activity take place on your account. Visit your local Arvest branch, Arvest.com or call our Contact Center at (866) for more information on alternative overdraft coverage options and options to assist you in managing your checking account balance. I do not want Arvest Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I understand that I will still be provided Basic Overdraft Coverage for checks and electronic debits I authorize on my account. I want Arvest Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions through the Extended Overdraft Coverage plan. I Decline Overdraft Coverage and do not want Arvest Bank to provide an overdraft limit on my account. I understand that transactions presented against my account when I do not have enough money to cover the transaction will be returned and Arvest will charge me an insufficient funds fee of up to $17 for each item presented against insufficient funds. We will decline debit card purchases and ATM transactions that would take your account into a negative balance. If you have authorized a recurring transaction on your debit card, such as a monthly payment, it could overdraw your account and we may charge you a $17 fee for each item presented against insufficient funds. YOUR SELECTION WAS MADE DURING THE APPLICATION PROCESS Printed Name Checking Account Number Signature Date

22 CHECK & BALANCE HOW TO KEEP GOOD BANK RECORDS Enter your starting balance in the check register. Subtract any bank fees. Enter every transaction as soon as possible. For checks, enter the check number (i.e ), date, payee and amount. For debit cards, enter ckcard, date, payee and amount. For ATM withdrawals, enter ATM, date, location and amount. For deposits, enter deposit, date, description and amount. For drafts, enter draft, date, payee and amount. Remember to subtract any automatic drafts, such as a utility payment. Enter pending drafts monthly, weekly or each pay period. Keep a running balance. Be sure to double check addition and subtraction. In case of errors or questions about your electronic transfer, please contact us at the phone number listed under the Helpful Information section of this document or on your bank statement. Notify us 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 30 days after we sent the first statement on which the problem or error appeared. ABBREVIATIONS ACH = Automatic Clearing House ATM = Automatic Teller Machine POP = Point of Purchase (may replace a check) POS = Point of Sale (CheckCard purchase) *Check numbers do not always clear in numerical order or immediately.

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