Internet Banking Application

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1 Internet Banking Applicatin Last Name First Name Middle Initial Scial Security N. Business Name (If applicable) Tax ID# Current Address City State Zip Cde Hme Phne Cell Phne Address LIST BELOW ALL ACCOUNTS THAT YOU ARE AN AUTHORIZED SIGNER ON AND WOULD LIKE TO BE ABLE TO ACCESS. WE WILL NOT RELEASE ANY OF YOUR ACCOUNT NUMBERS OVER THE INTERNET. INTERNET BANKING Please allw access t all f my accunts r List belw specific accunt descriptins fr access ESTATEMENTS Please allw access t all my available accunts r List belw specific accunt descriptins fr access Please Read Befre Signing I certify that the infrmatin prvided is true and crrect. I authrize Greenville Natinal Bank t verify infrmatin included in this applicatin and allw access t all the accunts I may be a signer n listed abve. The use f On-line banking shall be gverned by the terms and cnditins r amendments theret, as may be established by Greenville Natinal Bank. Greenville Natinal Bank Internet Banking Privacy Statement Greenville Natinal Bank is cmmitted t yu, ur valued custmer; we understand the imprtance f prtecting ur custmer s privacy and thers wh visit ur web site. Greenville Natinal Bank is cmmitted t securing infrmatin that may persnally identify yu in the n-line envirnment. The Undersigned has read and agrees t the terms and cnditins stated abve. Signature Date Bill Payment enrllment is dne within Internet Banking. Click n the Bill Payment tab t start the enrllment prcess. Internet Banking Sign-On infrmatin will be sent t yu by mail. FOR BANK USE: INITIALS DATE ID# Please mail r drp ff at: Greenville Natinal Bank 446 Suth Bradway P.O. Bx 190 Greenville, Ohi 45331

2 GREENVILLE NATIONAL BANK INTERNET/BILL PAY/MOBILE BANKING AGREEMENT AND ELECTRONIC FUND TRANSFER ACT DISCLOSURE Agreement - This Agreement, which includes the Internet Banking Custmer Applicatin, is a cntract which establishes the rules which cver yur electrnic access t yur accunts at Greenville Natinal Bank ("GNB") thrugh GNB s Internet Banking ("SYSTEM"). By using SYSTEM, yu accept all the terms and cnditins f this Agreement. Please read it carefully. The terms and cnditins f the depsit agreements and disclsures fr each f yur GNB accunts as well as yur ther agreements with GNB, such as lans, cntinue t apply ntwithstanding anything t the cntrary in this Agreement. This Agreement is als subject t applicable federal laws and the laws f the State f Ohi (except t the extent this Agreement can and des vary such rules r laws). If any prvisin f this Agreement is fund t be unenfrceable accrding t its terms, all remaining prvisins will cntinue in full frce and effect. The headings in this Agreement are fr cnvenience r reference nly and will nt gvern the interpretatin f the prvisins. Any waiver (express r implied) by either party f any default r breach f this Agreement must be in writing and shall nt cnstitute a waiver f any ther r subsequent default r breach. Yu may nt assign this Agreement. This Agreement is binding upn yur heirs and GNB s successrs and assigns. Certain f the bligatins f the parties pursuant t this Agreement that by their nature wuld cntinue beynd the terminatin, cancellatin r expiratin f this Agreement shall survive terminatin, cancellatin r expiratin f this Agreement. This Agreement, tgether with the Internet Banking Custmer Applicatin and Fee Schedule, cnstitutes the entire agreement between yu and GNB with respect t the subject matter heref and there are n understandings r agreements relative heret which are nt fully expressed herein. Definitins - As used in this Agreement, the wrds "we," "ur," "us," and "GNB" mean Greenville Natinal Bank. "Yu" and "yur" refer t the accunthlder authrized by GNB t use SYSTEM under this Agreement and anyne else authrized by that accunthlder t exercise cntrl ver the accunthlder s funds thrugh SYSTEM. "Accunt" r "accunts" means yur accunts at GNB. "Electrnic funds transfers" means ATM withdrawals, preauthrized transactins, pint f sale transactins, transfers t and frm yur GNB accunts using SYSTEM. "SYSTEM Services" means the services prvided pursuant t this Agreement. "Business days" means Mnday thrugh Friday; hlidays are nt included. Access - T use SYSTEM, yu must have at least ne accunt at GNB, access t Internet service, and an address. Once we have received yur signed Applicatin, and verified yur accunt infrmatin, we will send yu, by pstal mail, cnfirmatin f ur acceptance f yur applicatin, alng with yur assigned lg-in ID and temprary passwrd. SYSTEM can be used t access nly the GNB accunts which yu have designated fr access by SYSTEM in yur Applicatin. Yu can add r delete any f yur GNB accunts frm this Agreement by cntacting ur Internet Banking department. Access t yur accunts thrugh SYSTEM will be based upn the identificatin f users and authrity levels specified by yu in yur Applicatin. We undertake n bligatin t mnitr transactins thrugh SYSTEM t determine that they are made n behalf f the accunthlder. SYSTEM Services - Yu can use SYSTEM t check the balance f yur GNB accunts, view transactins prcessed n yur GNB accunt, view and dwnlad GNB accunt statements, transfer funds between yur GNB accunts, make stp payment requests, and pay bills. Sme services will be limited in Mbile Banking. Hurs f Access - Yu can use SYSTEM seven days a week, twenty-fur hurs a day, althugh sme r all SYSTEM services may nt be available ccasinally due t emergency r scheduled system maintenance. Yu agree that frm time t time we may limit access t SYSTEM services t perfrm rutine hardware r sftware maintenance and fr similar purpses. We agree t pst ntice f any extended perids f nn-availability n the SYSTEM web site. Yur Passwrd - Fr security purpses, yu are required t change yur passwrd upn yur initial lgin t SYSTEM and every six mnths thereafter. Yu determine what passwrd yu will use and the identity f yur passwrd is nt cmmunicated t us. Yu agree that we are authrized t act n instructins received under yur passwrd. Yu accept respnsibility fr the cnfidentiality and security f yur passwrd and agree t change yur passwrd regularly. Upn three unsuccessful attempts t use yur passwrd, yur access t SYSTEM will be revked. T re-establish yur authrizatin t use SYSTEM, yu can cntact us during regular banking hurs t have yur passwrd reset and btain a temprary passwrd r use the Reset Passwrd link. We recmmend that yu create a passwrd that utilizes bth upper and lwer case alpha and numeric characters and a special character fr purpses f security. Yur passwrd shuld nt be assciated with any cmmnly knwn persnal identificatin, such as scial security numbers, address, date f birth, names f children, and shuld be memrized rather than written dwn. Security - Yu understand the imprtance f yur rle in preventing misuse f yur accunts thrugh SYSTEM and yu agree t prmptly examine yur statement fr each f yur GNB accunts as sn as yu receive it. Yu agree t prtect the cnfidentiality f yur accunt and accunt number, and yur persnal identificatin infrmatin, such as yur driver s license number and scial security number. Yu understand that persnal identificatin infrmatin by itself, r tgether with infrmatin related t yur accunt, may allw unauthrized access t yur accunt. Yur passwrd and lgin ID are intended t prvide security against unauthrized entry and access t yur accunts. Data transferred via SYSTEM is encrypted in an effrt t prvide transmissin security and SYSTEM utilizes identificatin technlgy t verify that the sender and receiver f SYSTEM transmissins can be apprpriately identified by each ther. Ntwithstanding ur effrts t insure that the SYSTEM is secure, yu acknwledge that the Internet is inherently insecure and that all data transfers, including electrnic mail, ccur penly n the Internet and ptentially can be mnitred and read by thers. We cannt and d nt warrant that all data transfers utilizing GNB SYSTEM, r transmitted t and frm us, will nt be mnitred r read by thers. At all times yur user ID and passwrd shuld be secured and kept cnfidential. Any cmputer virus r related technlgy r sftware prblems that may ccur with yur cmputer are yur respnsibility. The Bank recmmends that yu rutinely scan yur cmputer and related media using a reliable virus detectin prduct. Fees and Charges - Yu agree t pay the fees and charges fr yur use f SYSTEM Services as set frth in the current fee schedule. Yu agree that all such fees and charges will be deducted frm the primary GNB accunt n yur Applicatin. If yu clse yur Primary Accunt, yu must cntact us immediately t designate anther accunt as yur Primary Accunt. Yu agree t pay any additinal reasnable charges fr services yu request which are nt cvered by this Agreement. Yu are als respnsible fr telephne and Internet service fees yu incur in cnnectin with yur use f SYSTEM. Data charges may apply based n yur mbile phne prvider and yu as the mbile device wner are respnsible fr the charges.

3 Psting f Transfers - Transfers initiated thrugh SYSTEM befre 6:00 p.m. (Eastern Time) n Mnday Friday are psted t yur accunt the same day. Transfers cmpleted after the previusly stated times n a business day, Saturday, Sunday r Federal hliday, will be psted n the next business day. SYSTEM identifies transfers based upn the lgin ID f the user wh made the electrnic transfer. Accrdingly, yu understand and acknwledge that the View Pstings screens in the Transfer menu ptins f SYSTEM will nt reflect transfers made by multiple users frm the same accunt if different lgin IDs are used. Yu agree t cmmunicate with any ther persns with authrized access t yur accunts cncerning any transfers frm yur accunts in rder t avid verdrafts. The Bill Paying Prcess Single Payments A single payment will be prcessed n the business day (generally Mnday thrugh Friday, except Federal hlidays) that yu designate as the payment s prcessing date, prvided the payment is submitted prir t the daily cut-ff time n that date. The daily cut-ff time fr bill payment, which is cntrlled by GNB, is currently 3:00 pm EST. A single payment submitted after the cut-ff time n the designated prcess date will be prcessed n the next business day. If yu designate a nn-business date (generally weekends and Federal hlidays) as the payment s prcessing date, the payment will be prcessed n the first business day fllwing the designated prcessing date. Recurring Payments When a recurring payment is prcessed, it is autmatically rescheduled by the system. Based upn yur selected frequency settings fr the payment, a prcessing date is calculated fr the next ccurrence f the payment. If the calculated prcessing date is a nn-business date (generally weekends and Federal hlidays), it is adjusted based upn the fllwing rules: If the recurring payment s Pay Befre ptin is selected, the prcessing date fr the new ccurrence f the payment is adjusted t the first business date prir t the calculated prcessing date. If the recurring payment s Pay After ptin is selected, the prcessing date fr the new ccurrence f the payment is adjusted t the first business date after the calculated prcessing date. Nte: If yur frequency settings fr the recurring payment specify the 29th, 30th, r 31st as a particular day f the mnth fr prcessing and that day des nt exist in the mnth f the calculated prcessing date, then the last calendar day f that mnth is used as the calculated prcessing date. Single and Recurring Payments - The system will calculate the Estimated Arrival Date f yur payment. This is nly an estimate, s please allw ample time fr yur payments t reach yur Payees. Cancelling a Payment - A bill payment can be changed r cancelled any time prir t the cutff time n the scheduled prcessing date. Liability Yu are slely respnsible fr cntrlling the safekeeping f and access t yur Passwrd. If yu want t terminate anther persn's authrity t use the Bill Pay service, yu must ntify GNB and arrange t change yur Passwrd. Yu will be respnsible fr any bill payment request yu make that cntains an errr r is a duplicate f anther bill payment. GNB is nt respnsible fr a bill payment that is nt made if yu did nt prperly fllw the instructins fr making a bill payment. GNB is nt liable fr any failure t make a bill payment if yu fail t prmptly ntify GNB after yu learn that yu have nt received credit frm a Payee fr a bill payment. GNB is nt respnsible fr yur acts r missins r thse f any ther persn, including, withut limitatin, any transmissin r cmmunicatins facility, and n such party shall be deemed t be GNB s agent. Overdrafts (Order f Payments, Transfers, and ther Withdrawals) - If yur accunt has insufficient funds t perfrm all electrnic fund transfers yu have requested fr a given business day, then: a. Electrnic funds transfers invlving currency disbursements, like ATM withdrawals, will have pririty; b. Electrnic fund transfers and bill payments initiated thrugh SYSTEM which wuld result in an verdraft f yur accunt may, at ur discretin, be cancelled; c. In the event the electrnic fund transfers and bill payments initiated thrugh SYSTEM which wuld result in an verdraft f yur accunt are nt cancelled, verdraft charges may be assessed pursuant t the terms f the depsit agreement fr that accunt. Limits n Amunts and Frequency f SYSTEM Transactins - The number f transfers frm GNB accunts and the amunts which may be transferred are limited pursuant t the terms f the applicable depsit agreement and disclsure fr thse accunts. If a hld has been placed n depsits made t an accunt frm which yu wish t transfer funds, yu cannt transfer the prtin f the funds held until the hld expires. Stp-Payment Requests Yu may initiate stp payment requests n-line via SYSTEM nly fr paper checks yu have written n yur GNB accunts. On-line Stp Payment Requests are prcessed when actually received by the Bank in prper frm. The stp payment must precisely identify the name f the payee, the check number, the amunt, and the date f the check. Yu will incur stp-payment charges as disclsed in the current fee schedule fr the applicable accunt. Peridic Statements - Yu will nt receive a separate SYSTEM statement. Transfers t and frm yur accunts using SYSTEM will appear n the respective peridic statements fr yur GNB accunts. Change in Terms - We may change any term f this Agreement at any time. If the change wuld result in increased fees fr any SYSTEM service, increased liability fr yu, fewer types f available electrnic fund transfers, r stricter limitatins n the frequency r dllar amunt f transfers, we agree t give yu ntice at least 30 days befre the effective date f any such change, unless an immediate change is necessary t maintain the security f an accunt r ur electrnic fund transfer system. We will pst any required ntice f the change in terms n the GNB SYSTEM web site r frward it t yu by r by pstal mail. If advance ntice f the change is nt required, and disclsure des nt jepardize the security f the accunt r ur electrnic fund transfer system, we will ntify yu f the change in terms within 30 days after the change becmes effective. Yur cntinued use f any r all f the subject SYSTEM Services indicates yur acceptance

4 f the change in terms. We reserve the right t waive, reduce, r reverse charges r fees in individual situatins. Yu acknwledge and agree that changes t fees applicable t specific accunts are gverned by the applicable depsit agreements and disclsures. In Case f Errrs r Questins abut Yur Electrnic Transfers - Cntact us as sn as yu can at the address r telephne number listed in this agreement, if yu think yur statement is wrng, r if yu need mre infrmatin abut a transfer listed n yur statement. We must hear frm yu n later than 60 days after we sent the FIRST statement upn which the prblem r errr appeared. When yu cntact us: 1. Tell us yur name and accunt number. 2. Describe the errr r transfer yu are unsure abut, and explain as clearly as yu can why yu believe it is an errr, r why yu need mre infrmatin. 3. Tell us the dllar amunt f the suspected errr. If yu cntact us by telephne, we may require that yu send us yur cmplaint r questin in the frm f paper writing by pstal mail r fax within 10 business days. We will cmmunicate t yu the results f ur investigatin within 10 business days (5 business days fr check card pint-f-sale transactins r 20 business days if the transfer invlved a new accunt) after yu cntact us and will crrect any errr prmptly. If we need mre time, hwever, we may take up t 45 days (90 days if the transfer invlved a new accunt, a pint-f-sale transactin, r a freign-initiated transfer) t investigate yur cmplaint r questin. If we decide t d this, we will prvisinally credit yur accunt within 10 business days (5 business days fr check card pint-f-sale transactins r 20 business days if the transfer invlved a new accunt) fr the amunt yu think is in errr, s that yu will have the use f the mney during the time it takes us t cmplete ur investigatin. If we ask yu t put yur cmplaint r questin in writing and WE DO NOT receive it in the frm f a paper writing within 10 business days, we may nt prvisinally credit yur accunt. If we decide that there was n errr, we will send yu a written explanatin within 3 business days after we finish ur investigatin. Yu may ask fr cpies f the dcuments that we used in ur investigatin. If we have made a prvisinal credit, a crrespnding debit will be made frm yur accunt. Our Liability fr Failure t Make a Transfer - If we d nt cmplete a transfer t r frm yur accunt, including a bill payment, n time r in the crrect amunt, accrding t ur agreement with yu when yu have prperly instructed us t d s, we will be liable t yu fr yur lsses r damages caused as a result. Hwever, there are sme exceptins. We will NOT be liable, fr instance: 1. If, thrugh n fault f urs, yu d nt have enugh mney in yur accunt t make a transfer. 2. If a legal rder directs us t prhibit withdrawals frm the accunt. 3. If yur accunt is clsed, r if it has been frzen. 4. If the transfer wuld cause yur balance t g ver the credit limit f an established line f credit r the credit limit fr any credit arrangement set up t cver verdrafts. 5. If yu, r anyne authrized by yu, cmmits any fraud r vilates any law r regulatin. 6. If any electrnic terminal, telecmmunicatins device, r any part f the SYSTEM electrnic fund transfer system is nt wrking prperly when yu attempted t initiate the transfer and yu reasnably suspected that there was a prblem r that yur transfer might nt have been initiated, but yu failed t ntify us. 7. If yu have nt prperly fllwed the n-screen instructins fr using SYSTEM r yu fail t receive a transactin cnfirmatin screen. 8. If circumstances beynd ur cntrl (such as fire, fld, interruptin in telephne service r ther cmmunicatin lines) prevent the transfer, despite reasnable precautins that we have taken. Yur Liability fr Unauthrized Transfers - CONTACT US AT ONCE if yu believe yur passwrd has been lst, stlen, used withut yur authrizatin, r therwise cmprmised, r if smene has transferred r may transfer mney frm yur accunts withut yur permissin. An immediate telephne call t us is the best way t reduce any pssible lsses. Yu culd lse all the mney in yur accunts. If yu cntact us within 2 business days after yu learn f the lss, theft, cmprmise, r unauthrized use f yur passwrd, yu can lse n mre than $50 if smene used yur passwrd withut yur permissin. If yu d NOT cntact us within 2 business days after yu learn f the lss, theft, cmprmise, r unauthrized use f yur passwrd, and we can prve we culd have stpped smene frm using yur passwrd t access yur accunts withut yur permissin if yu had tld us, yu culd lse as much as $500. Als, if yur statement shws transfers that yu did nt make, cntact us at nce. If yu d nt tell us within 60 days after the statement was mailed t yu, yu may nt get back any mney yu lst thrugh transactins made after the 60 day time perid if we can prve that we culd have stpped smene frm taking the mney if yu had tld us in time. If a gd reasn (such as a lng trip r hspital stay) kept yu frm cntacting us, we will extend the time perids. Cnfidentiality We will disclse infrmatin t third parties abut yur accunt r the transfers yu make: 1. Where it is necessary fr cmpleting transfer; r 2. In rder t verify the existence and cnditin f yur accunt fr a third party, such as a credit bureau r merchant; r 3. In rder t cmply with gvernment agency r curt rders; r 4. As explained in the separate Privacy Disclsure. Disclaimer f Warranty and Limitatin f Liability - We make n warranty f any kind, express r implied, including any implied warranty f merchantability r fitness fr a particular purpse, in cnnectin with the SYSTEM Services prvided t yu under this Agreement. We d nt and cannt warrant that SYSTEM will perate withut errrs, r that any r all SYSTEM Services will be available and peratinal at all times. Except as specifically prvided in this Agreement, r therwise required by law, yu agree that ur fficers, directrs, emplyees, agents r cntractrs are nt liable fr any indirect, incidental, special r cnsequential damages under r by reasn f any services r prducts prvided under this Agreement r by reasn f yur use f r access t SYSTEM, including lss f prfits, revenue, data r use by yu r any third party, whether in an actin in cntract r trt r based n a warranty. Further, in n event shall the liability f GNB and its affiliates exceed the amunts paid by yu fr the services prvided t yu thrugh SYSTEM.

5 Yur Right t Terminate - Yu may cancel yur SYSTEM service at any time by prviding us with written ntice by pstal mail r fax. Yur access t SYSTEM will be suspended within 3 business days f ur receipt f yur instructins t cancel the service. Yu will remain respnsible fr all utstanding fees and charges incurred prir t the date f cancellatin. GNB is nt respnsible fr any fixed payment made befre GNB has a reasnable pprtunity t act n yur terminatin ntice. Yu remain bligated fr any payments made by GNB n yur behalf. Our Right t Terminate We may cancel yur SYSTEM service fr any f the fllwing: 1. Withut prir ntice, if yu have insufficient funds in any ne f yur GNB accunts. SYSTEM service may be reinstated, in ur sle discretin, nce sufficient funds are available t cver any fees, pending transfers, and debits. 2. Upn 3 business days ntice, if yu d nt cntact us t designate a new Primary Accunt immediately after yu clse yur Primary Accunt. 3. Upn reasnable ntice, fr any ther reasn in ur sle discretin. Cmmunicatins between GNB and Yu - Unless this Agreement prvides therwise, yu can cmmunicate with us in any ne f the fllwing ways: Yu can cntact us by at bank@greenvillenatinalbank.cm (Please nte that banking transactins thrugh SYSTEM are nt made via .) Telephne: Yu can cntact us by telephne at (937) Facsimile: Yu can cntact us by fax at (937) Pstal Mail: Yu can write t us at: Greenville Natinal Bank, PO Bx 190, Greenville, OH In Persn: Yu may visit us in persn at any ne f ur lcatins in Greenville, Ansnia, Arcanum, Bradfrd, Try, Gettysburg, OH r Lsantville, IN. Cnsent t Electrnic Delivery f Ntices - Yu agree that any ntice r ther type f cmmunicatin prvided t yu pursuant t the terms f this Agreement, and any future disclsures required by law, including electrnic fund transfer disclsures, may be made electrnically by psting the ntice n the GNB SYSTEM web site r by . Yu agree t ntify us immediately f any change in yur e- mail address. Business Days fr purpses f these disclsures, ur business days are: Mnday thrugh Friday Excluding Federal Hlidays 10/17

Electronic Services Agreement (INDIVIDUAL)

Electronic Services Agreement (INDIVIDUAL) Electrnic Services Agreement (INDIVIDUAL) This Agreement ("the Agreement") describes yur rights and bligatins as a user f the Online Banking Services, the Bill Payment Service and/r any similar Internet-based