Common use of Electronic Fund Transfers Initiated By Third Parties Clause in Contracts

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, phone and your account numbers, to: • transfer funds from checking to checking or • transfer funds from checking to statement savings • transfer funds from statement savings to checking or savings • make payments from checking to loan accounts with us • get information about: - the account balance of checking or savings accounts account(s) - the last ten deposits to checking or account balance of statement savings accounts account(s) - the last ten withdrawals from checking or savings accounts loan account information ATM Transfers - types of transfers, transfers and dollar limitations, and charges limitations - You may access your account(s) by ATM using your ATM card Card and personal identification number or debit card MasterMoney Card and personal identification number, to: • make deposits to get cash withdrawals from checking or savings account(s) at Liberty Bank and Trust Company only - you may withdraw no more than $500.00 per day • get cash withdrawals from checking or statement savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from statement savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to statement savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or account(s) - the account balance of your statement savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. account(s) Some of these services may not be available at all terminals. Types of Visa® Debit MasterMoney Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person person, online, or by phone), pay for services (in person person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 940.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International TransactionsCross-Border Transaction Fees. When If you use effect a transaction with your Visa® MasterMoneyTM Debit Card at in a merchant that settles in currency other than US dollarsDollars, Mastercard® will convert the charge will be converted into the a US dollar Dollar amount. The Mastercard currency conversion rate used to determine the transaction amount in US dollars is procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Visa from the 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 dateMastercard. The conversion exchange rate Mastercard uses will be a rate in effect on the processing date day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction date or posting datewas posted to your account. Visa USA Mastercard charges us a 1Currency Conversion Assessment of 20 basis points (.2% International Service of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all international cross-border transactions regardless of whether there is a currency conversion. We pass this international transaction charge you a Cross-Border Transaction fee of 3% on to youall cross-border transactions regardless of whether there is a currency conversion. An international A cross-border transaction is a transaction where processed through the issuer Global Clearing Management System or the Mastercard Debit Switch in which the country of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in different than the United Statescountry of the cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - (For Mobile Banking see separate disclosure) - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx xxx.xxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or statement savings • transfer funds from checking to revolving line of credit • transfer funds from statement savings to revolving line of credit • make payments from checking or savings to loan account(s) with us • make payments from checking to third parties (with Internet Bill Pay) - please refer to our separate fee schedule for charges that apply to this service Pay • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or statement savings account(s) - deposits Limitations on Frequency of Transfers. In addition to checking those limitations on transfers elsewhere described, if any, the following limitations apply: Regardless of anything else in this or savings accounts - other agreements, transfers and withdrawals from checking a savings or savings money market account to another of your accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees or to third parties by your cell phone provider based on your individual plan. Web access is needed preauthorized, automatic, telephonic, or computer transfer, or by check, draft, debit card, or similar order to use this service. Check with your cell phone provider for details on specific fees and chargesthird parties, cannot exceed six (6) per monthly statement cycle. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000-) 000-0000 or 000-000-0000 (outside of New Orleans888) 214- 3099 using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to loan accounts with us • get information about: - the account balance of checking or savings accounts account(s) - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts loan account(s) 24 Hour ATM Card ATM Transfers - types of transfers, transfers and dollar limitations, and charges limitations - You may access your account(s) by ATM using your 24 Hour ATM card Card and personal identification number or debit card Debit Card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only with an ATM or debit card • get cash withdrawals from checking or savings account(s) with an ATM or debit card - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only with an ATM or debit card • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only with an ATM or debit card • make payments from checking account(s) with an ATM card to loan accounts • get information about: - the account balance of your checking or savings accounts There is account(s) • with an ATM card • with a charge debit card - For security purposes there are limits on the frequency and amounts of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner transfers you may applymake using ATMs. Some of these services may not be available at all terminals. Types of Visa® MasterMoneyTM Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person person, online, or by phone), pay for services (in person person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you You may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(smore than five (5) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion Money Transfer Credits daily and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other no more than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not thirty (30) Money Transfer Credits in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United Statesrolling seven (7) day calendar week. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Mastercard Automatic Billing Updater Notice of Right to Opt Out. Your Citizens Trust Bank Debit Card will be automatically enrolled in the free Mastercard® Automatic Billing Updater (ABU) service. With ABU, your account files will be updated when information changes because of a product upgrade, card expiration, loss or theft, account closure or other changes. A participating merchant can access that updated card information before requesting a payment. Since not all merchants participate, you should also contact the merchants directly if your card information changes. You are entitled to opt out of this service. You may opt out at any time. If you want to opt out, phone us at 000-000-0000, email us at xxxxxxxxxxxxx@xxxxxx.xxx, notify us through our website at xxxxxxxxxx.xxx/xxxxxxx-xx, or mail us notice of your intention to opt out at Citizens Trust Bank, P.O. 56943, Atlanta, GA 30343. You must include your name, account name, address, account number, last four digits of your card number, and date. If you opt out, you may opt back in if you decide you want the Mastercard Automatic Billing Updater service in the future. You may opt in the same way(s) that you can opt out. Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx xxx.xxxxxxxxxx.xxx (register as a first time user using the last four digits of your social security number or telephone banking personal identification number) and using your user identification, your identification and password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Payloan account(s) - please refer to our separate fee schedule for charges that apply to this service with us • get checking and savings account information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges transfers - You may access your account(s) through the browser on your cell or mobile device or by downloading our mobile banking app phone at xxx.xxxxxxxxxx.xxx and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking or savings to third parties (Bill PayCommercial or Consumer loan account(s) - please refer to our separate fee schedule for charges that apply to this service with us • get checking and savings account information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments networkpayment networks. Your authorization to the third party to make these transfers can may occur in a number of ways. For exampleIn some cases, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a the merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post posts a sign and print the notice on a receipt)informing you of their policy. In all cases, these third party transfers the transactions will require you to provide the third party with your account Account number and bank Credit Union information. This information can be found on your check as well as on a deposit or withdrawal slipchecks. Thus, you You should only provide your bank Credit Union and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. Pre-authorized credits – You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s)Accounts. • Preauthorized payments. Pre-authorized payments – You may make arrangements to pay certain recurring bills from your checking or savings account(s)Accounts. • Electronic check conversion. conversion – You may authorize provide your check to a merchant or service provider who will scan the check for the encoded Credit Union and Account information. The merchant or service provider will then use this information to convert the transaction into an electronic fund transfer. This may occur at the point of purchase, or when you provide your check by other payee means such as by mail or drop box. • Electronic check conversion by the Credit Union – When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic payment fund transfer from your checking account using or to process the payment as a check transaction. When we use information from your check to pay for purchases make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back. A check or pay billselectronic entry may be represented if returned unpaid. • Electronic returned check charge. You charge – The Credit Union and some merchants or service providers may authorize a merchant or other payee to initiate an electronic funds fund transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • · Preauthorized credits. credits - You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savings account(s)savings. • · Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking checking, savings or savings account(s)Savings for loan payments with this bank. • · Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic · Xxxxxxxxxx returned check charge. charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom • Telephone Transfers Banking transactions - types of transfers transactions - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your account number(s), personal identification numbernumber (PIN), a social security number and touch tone phone, and your account numbers, phone to: • · transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments • You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) • PBG Visa Check Card ATM Transfers transactions - types of transfers, dollar limitations, and charges transactions - You may access your account(s) by ATM at ACCEL or PLUS using your ATM card PBG Visa Check Card and your personal identification number or debit card and personal identification number, (PIN) (as applicable) to: • make deposits · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds an ATM · make payments from checking to savings account(smerchants (in person, online or via phone) at Liberty Bank and Trust Company only or other financial institutions · get balance information about checking orsavings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit PBG Visa Check Card Pointpoint-of-Sale Transactions sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will accept, including: · purchase goods (in person or person, by phone), or online · pay for services (in person or person, by phone), or online · get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: or financial institution • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. Transactions - When you use your Visa® Debit Card VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. • Visa USA charges us a 1.8% International Service Assessment on all international transactions transactions, regardless of whether there is a currency conversion. We pass this If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transaction fee on to youtransactions/currency conversions is disclosed separately. An international transaction is a transaction where the issuer country of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in outside the United StatesUSA. • Advisory Against Illegal Use. Use - You agree not to use your card(s) PBG Visa Check Card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions the jurisdiction in which the cardholder you may be located. Internet Banking Computer Transfers • Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. • The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. • Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. • Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. • The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. • * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. • PBG Online - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website accounts at xxx.xxxxxxxxxxx.xxx xxxxxxxxxxxxxxxxx.xxx and using your user identificationaccount number(s), your passwordpersonal identification number (PIN), social security number and your multifactor authentication, Username and Password to: • · transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • · make payments from checking or savings to third parties PBG Loan Accounts • (Bill Pay) - please refer to our separate fee schedule for charges that apply Some payments made by paper check will not be subject to this service • Electronic Fund Transfers disclosure, as disclosed separately. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. POPMoney is also available for person-to-person transfers.) · get balance information about: - the account balance about checking, savings, certificate of checking deposit or savings account(s) - deposits to checking PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers PBG Loan Account CheckFree Online Bill Pay Service - types of transfers, dollar limitations and charges transfers - • You may access your account(s) through the browser on your mobile device or this service by downloading our mobile banking app computer at xxx.xxxxxxxxxxxxxxxxx.xxx and using your user identification name and your passwordpassword and account number(s). • You may also access this service by Smart phone, or another device, with internet access. and using the following for access: Username and Password. • You may access this service to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • · make payments from your checking account(s) to any third parties party that will accept prearranged payments • (Bill Pay) - please refer to our separate fee schedule for charges that apply Some payments made by paper check will not be subject to this service • get information about: - the Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals with another institution, · transfers from checking or savings accounts • deposit checks remotely using the remote deposit capture service You your account with another institution. · Transfers may be charged access fees by your cell phone provider based on your individual plan. Web access is needed made person to use this service. Check person with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)through POPMoney.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Automate Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with a notice and you go forward with the transaction (typically, typically at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, Internet or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund funds transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversionCheck Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using the information from on your check to pay for purchases or pay bills. • Electronic returned check chargeReturned Check Charge & Collection. You may also authorize a merchant or other payee to initiate an electronic funds transfer EFT to collect a charge in fee for the event return of an electronic fund transfer or a check is returned for unpaid due to insufficient fundsfunds in your account. Financial Freedom Telephone Transfers - types Transaction Limitations & Conditions. Preauthorized or automatic transfers out of your savings and money market accounts are limited to six (6) per month (calendar or statement cycle) by check, electronic check, draft, debit card, Point of Sale (POS), bill pay or other payment order to a 3rd party as well as transfers - You may access out by telephone, internet or through an automated clearing house (ACH). If you exceed the number of transactions then your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside is subject to closure. Refer to the Truth in Savings Disclosure of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 Account Terms for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar additional transaction limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not Initiation of a transfer may create an overdraft of your account, if we choose to honor the transaction and charge for preauthorized payments from any type of your account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When If you use an ATM not owned by usoverdraw your account, you may agree to pay us the overdrawn amount and any applicable fees. If your deposit account has a Ready Cash Credit Line (overdraft credit plan) attached, any overdraft will be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)made in accordance with that separate loan agreement.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, phone and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings loan accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings with us • make payments from savings to loan accounts with us • get checking to third parties (Bill Payaccount(s) - please refer to our separate fee schedule for charges information • get savings account(s) information • get certificate of deposit, line of credit or loan account(s) information Please also see Limitations on frequency of transfers section regarding limitations that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund telephone transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • · Preauthorized credits. credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s)savings. • · Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking or savings account(s)savings. • · Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic · Xxxxxxxxxx returned check charge. charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers ATM card transactions - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges transactions - You may access your account(s) by ATM using your ATM card and your personal identification number or debit card and personal identification number, (PIN) to: • make deposits · transfer funds from savings or checking to checking or savings account(s) at Liberty Bank and Trust Company only • · get balance information about checking or savings · get withdrawal history about checking or savings · withdraw cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • · get information about: - the account balance of your transaction history about checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types VISA Check Card ATM transactions - types of Visa® Debit transactions - You may access your account(s) by ATM at ATMs carrying the Cirrus or Accel/Exchange Network logo using your VISA Check Card Pointand your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings to checking or savings · get balance information about checking or savings · get withdrawal history about checking or savings · get transaction history about checking or savings Some of these services may not be available at all terminals. VISA Check Card point-of-Sale Transactions sale transactions - types of transactions - You may access your checking account(s) using your VISA Check Card to do transactions that participating merchants will accept, including: · purchase goods (in person or person, by phone), or online · pay for services (in person or person, by phone), or online · get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day or financial institution Currency Conversion and International Transactions. Transactions - When you use your Visa® Debit Card VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1.8% International Service Assessment on all international transactions transactions, regardless of whether there is a currency conversion. We pass this If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transaction fee on to youtransactions/currency conversions is disclosed separately. An international transaction is a transaction where the issuer country of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in outside the United StatesUSA. Advisory Against Illegal Use. Use - You agree not to use your card(s) VISA Check Card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions the jurisdiction in which the cardholder you may be located. Citizens Bank and Trust Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) accounts at xxx.xxxxxxxxx.xxx and using your Access ID and Password to: · transfer funds from checking, savings or loans to checking, savings or loans · make payments from checking or savings to loans · get balance information about checking, savings, certificate of deposit, line of credit or loans · get transaction history about checking, savings, certificate of deposit, line of credit or loans -send money to a third party through Bill Pay from your checking account if you have enrolled in that service Citizens Bank & Trust Bill Pay - types of transfers - You may access this service by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx xxx.xxxxxxxxx.xxx and using your user identification, your name and password, and your multifactor authentication, . You may access this service to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • · make payments from your checking account(s) to third parties a person or entity by providing name and account information. (Bill Pay) - please refer to our separate fee schedule for charges that apply Some payments made by paper check will not be subject to this service • get information about: - Electronic Fund Transfers disclosure, as disclosed separately. Payment to persons or entities outside of the account balance of checking United States or savings account(sits territories are prohibited.) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges transfers - You may access your account(saccounts remotely with your Cell phone or other mobile access device and using your User identification name, Password and Text messaging commands (available separately). You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans · make payments from Checking to Third Party through Bill Pay if you have enrolled in that service (Some payments made by paper check will not be subject to these Electronic Fund Transfers Rules, as disclosed separately. Remote Deposits are limited to $1,000 per deposit with a per day limit of $2,500. Deposits made via Mobile Banking are subject to review. Depending on the time of day and day of the week, mobile deposit may be pending review until the next business day. After review, the availability of deposits made using Mobile Banking shall be determined as set forth in the Bank's Funds Availability Disclosure. Xxxxxxxx confirmed no later than 2:30MST on a business day will be credited to your account within 24 hours of receipt. Deposits made after the daily cut-off time or deposits received on holidays or days that are not business days shall be deemed as received by us the following business day. The deposit will show in your account after posting that night unless rejected during deposit review.) · get balance information about checking, savings, line of credit or certificate of deposit · get transaction history about checking, savings, line of credit or certificate of deposit -send money to a third party through the browser on Bill Pay from your checking account if you have enrolled in that service -make remote capture deposits from your mobile device Your mobile service provider's standard service fees, such as text message fees or by downloading our mobile banking app and using your user identification and your passwordsimilar charges, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that will apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this serviceall transactions. Check with your cell phone service provider for details on specific information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and charges. FEES • We do not charge for direct deposits limitations that may apply to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your savings, market rate savings and Citizens Plus savings account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction or by check, draft, debit card or similar order. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking checking, savings, or savings money market account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking checking, savings, or savings money market account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Columbia On-Call Telephone Banking Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, number and your account numbers, to: • transfer funds from checking to checking or • transfer funds from checking to savings • transfer funds from savings to checking or • transfer funds from savings to savings • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • get information about: - the account balance of checking or account(s) - the last five deposits to checking accounts - the last five withdrawals from checking accounts - the account balance of savings account(s) - the last five deposits to savings accounts - the last ten deposits to checking or savings accounts - the last ten five withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges Transactions - You may access your account(s) by ATM using your ATM card Columbia Cash Card and personal identification number or debit card Columbia VISA® Debit Card and personal identification number, to: • make deposits to checking or account(s) • make deposits to savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or account(s) - you may withdraw no more than your available balance, up to $600 per day - see the Services & Fees Schedule for applicable charges • get cash withdrawals from savings account(s) - you may withdraw no more than your available balance, up to $500.00 600 per banking day - see the Services & Fees Schedule for applicable charges • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or account(s) - the account balance of your savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. account(s) Some of these services may not be available at all terminals. Types of VisaColumbia VISA® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person person, online, or by phone), pay for services (in person person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions PINless Debit - dollar limitations Columbia Bank allows merchants to process PINless debit transactions over the Accel™ network. These transactions are commonly performed through online bill pay services or for small ticket items. Provisions of the cardholder agreement relating to Visa transactions are not applicable to PINless debit transactions made on the Accel network including, but not limited to, the Visa Zero Liability policy. Daily ATM Withdrawal Limits - Using your card: • Columbia Cash Card or Visa Debit Card you may not exceed $3,000.00 can obtain cash from your attached account at participating ATMs up to the available balance in point-of-sale transactions per day even though your account balance(s) or $600 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. Daily non-Visa Debit Purchase Limits - Using your Columbia Visa Debit Card you can make non-Visa Debit purchases from your attached account at participating merchants up to the available balance in your account or $1,000 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. Daily Visa Debit Purchase Limits - Using your Columbia Visa Debit Card you can make Visa Debit purchases from your attached account at participating merchants up to the available balance in your account or $3,000 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. Business-class cards may be purchase up to the available balance in your account or $5,000 per day, whichever is less, unless a higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactionspre-arranged agreement has been made with the Bank. FEES When you use your Visa® Debit Card at an ATM not owned by us, you may be charged a merchant that settles fee by the ATM Operator for an electronic funds transfer or for a balance inquiry even if you do not complete a fund transfer. Transactions made in currency currencies other than US dollars, the charge U.S. Dollars will be converted into the US dollar amountto U.S. Dollars under Visa regulations. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% This International Service Assessment (ISA) fee will appear as a separate transaction on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United Statesyour monthly deposit account statement. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Please see your cardholder agreement for additional information relating to the use of your Columbia VISA Debit Card. Columbia Online Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet Internet by logging onto our website at xxx.xxxxxxxxxxx.xxx xxx.xxxxxxxxxxxx.xxx and using your user identificationidentification number, your password, and your multifactor authentication, to: • transfer funds from checking to checking or • transfer funds from checking to savings • transfer funds from checking to other institutions through ACH • transfer funds from savings to checking or • transfer funds from savings to savings • transfer funds from line of credit to checking • transfer funds from line of credit to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties (with Bill PayPay • make payments from savings to loan account(s) - please refer to our separate fee schedule for charges that apply to this service with us • get information about: - the account balance of checking or account(s) - the last 90 days deposits to checking accounts - the last 90 days withdrawals from checking accounts - the account balance of savings account(s) - the last 90 days deposits to checking or savings accounts - the last 90 days withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your Columbia Bank’s iPhone or Android App, mobile device web-based banking, SMS text-based banking, or by downloading our any combination of access types. Through any of these mobile banking app and using your user identification and your password, to: • options you will be able to transfer funds between your accounts, view balance and transaction information, and pay bills (if applicable). Health Savings Accounts (HSA). We permit some electronic fund transfers to and/or from checking your HSA. The electronic fund transfers we permit are offered for the convenience of managing your HSA. However, electronically moving funds to checking or savings • transfer funds from savings your HSA - for example, depositing more than the allowable amount, or getting additional cash back on an HSA debit card transaction - can raise a variety of tax concerns. As a result, before electronically accessing any account you may have with us, it is a good practice to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely sure you are using the remote deposit capture service correct access device (such as a card) or accessing the appropriate account for the transaction. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. You may understand that your HSA is intended to be charged access fees by used for payment of qualified medical expenses. It is your cell phone provider based on responsibility to satisfy any tax liability resulting from use of your individual planHSA for any purpose other than payment or reimbursement of qualified medical expenses. Web access is needed We do not monitor the purpose of any transaction to or from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the use this service. Check with of your cell phone provider for details on specific fees and chargesHSA. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank credit union information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or savings account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom CentraPhone Telephone Transfers - types of transfers - You may access your account account(s) by telephone 24 hours a day at 0001-000800-0000 or 000-000-0000 (outside of New Orleans) 458- 4771 using your personal identification numberPersonal Identification Number (PIN), a touch tone phone, and your account numbersmember number, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking • transfer funds from line of credit to checking or savings • make payments from checking or savings to loan accounts with us • get information about: - the account balance of checking or savings accounts - the last ten five deposits to checking or savings accounts - the last ten five withdrawals from checking or savings accounts The above and many other services are available through CentraPhone. ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number Personal Identification Number (PIN) or your debit card and personal identification numberPIN, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you You may withdraw no more than $500.00 per banking day; Opportunity accounts may withdraw no more than $100.00 per day (this is an aggregate from all accounts you have with us and point-of-sale PIN transactions) - There may be a charge per withdrawal at ATMs we do not own or operate (see Fee Schedule) • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawalaccounts, transfer, inquiry, or denial only at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking and savings account(s) to purchase goods (in person or by phoneperson), pay for services (in person or by phoneperson), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Debit Card Transactions - dollar limitations - Using your debit card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you day; Opportunity accounts may not exceed $500.00 in ATM transactions per day Currency Conversion Xxxx Xxxxx Transfers - You can arrange to make payments to third parties through Xxxx Xxxxx, both fixed (preauthorized) and International Transactions“on demand,” by visiting xxx.xxxxxx.xxx. When • Xxxx Xxxxx is only available to members with a Centra Credit Union checking account. There is no fee for Xxxx Xxxxx. • If you use your Visa® Debit Card at a merchant that settles in currency other than US dollarswant to choose our “same-day” Xxxx Xxxxx option, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversioncharge as listed in our separate Xxxx Xxxxx disclosure. We pass this international transaction fee • Dollar limits on to youBill Pay may vary depending on the payer. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Online Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and xxx.xxxxxx.xxx using your user identification, your identification and password, and your multifactor authentication, to: • transfer funds from between checking to checking or and savings accounts • transfer funds from savings line of credit to checking or savings • make payments from checking or savings to loan account(s) with us • make payments from checking to third parties (Bill Paysee Xxxx Xxxxx Transfers section above) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - the last year’s deposits to checking or savings accounts - the last year’s withdrawals from checking or savings accounts - the last 18 months’ account statements • send funds to another individual’s account (Person to Person Transfers) - see separate disclosure for limits that apply • withdrawn funds from your Centra Credit Union account • set up recurring transfers • set up eLerts • place a stop payment on a check • open a new account or a Certificate of Deposit Mobile Banking Transfers - types of transfers, dollar limitations and charges transfers - You may access your account(s) through using the browser on your cell or mobile device phone, or by downloading our using a Mobile App from your iPhone®, iPod touch®, iPad® or Android mobile banking app and using your user identification and your passworddevice, to: • deposit checks right from your smart phone • transfer funds from between checking to checking or and savings accounts • transfer funds from savings line of credit to checking or savings • make payments from checking or savings to loan account(s) with us • make payments from checking to third parties (Bill PayXxxx Xxxxx) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - the last year’s deposits to checking or savings accounts - the last year’s withdrawals from checking or savings accounts • deposit checks remotely send funds to another individual’s account (Person to Person Transfers) Health Savings Accounts (HSA). We permit some electronic fund transfers to and/or from your HSA. The electronic fund transfers we permit are offered for the convenience of managing your HSA. However, electronically moving funds to or from your HSA – for example, depositing more than the allowable amount, or getting additional cash back on an HSA debit card transaction – can raise a variety of tax concerns. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are using the remote deposit capture service correct access device (such as a card) or accessing the appropriate account for the transaction. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. You may understand that your HSA is intended to be charged access fees by used for payment of qualified medical expenses. It is your cell phone provider based on responsibility to satisfy any tax liability resulting from use of your individual planHSA for any purpose other than payment or reimbursement of qualified medical expenses. Web access is needed We do not monitor the purpose of any transaction to or from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the use this service. Check with of your cell phone provider for details on specific fees and chargesHSA. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. • Please refer to the Fee Schedule for additional information about charges. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1.8% International Service Assessment on all international transactions transactions, regardless of whether there is a currency conversion. We If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the issuer country of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in outside the United StatesUSA. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • make person to person payments using Popmoney - you may transfer no more than $500.00 per day • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s)savings. • Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking or savings account(s)savings. • Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-one- time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic Xxxxxxxxxx returned check charge. charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate initiative these electronic fund transfers. Examples of these transfers include, but are not limited to: • * Preauthorized credits. credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s)savings. • * Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking or savings account(s)savings. • * Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • * Electronic returned check charge. charge - You may authorize a merchant or other payee to initiate an make a one-time electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers Instant Cash Card transactions - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges transactions - You may access your account(s) by ATM at Instant Cash Network, Advantage Network, Cirrus Network or Money Pass Network using your ATM card Instant Cash & Check Card and your personal identification number or debit card and personal identification number, (PIN) to: • make deposits * deposit funds to checking or savings account(s) at Liberty Bank and Trust Company only • get * withdraw cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • * transfer funds from checking to checking * transfer funds from checking to savings * transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • * transfer funds from checking savings to savings account(s) at Liberty Bank and Trust Company only • * get balance information about: - the account balance of your about checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types Instant Cash & Check Card ATM transactions - types of Visa® Debit transactions - You may access your account(s) by ATM at Instant Cash Network, Advantage Network, Cirrus Network or Money Pass Network using your Instant Cash & Check Card Pointand your personal identification number (PIN) (as applicable) to: * deposit funds to checking or savings * withdraw cash from checking to checking * transfer funds from checking to checking * transfer funds from checking to savings * transfer funds from savings to checking * transfer funds from savings to savings * get balance information about checking or savings Some of these services may not be available at all terminals. Instant Cash & Check Card point-of-Sale Transactions sale transactions - types of transactions - You may access your checking account(s) by debit card to do transactions that participating merchants will accept, including: * purchase goods (in person or person, by phone), or online * pay for services (in person or person, by phone), or online * get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day of financial institution Currency Conversion and International Transactions. Transactions - When you use your Visa® Debit Card VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa VISA from the range of rates available in wholesale currency markets for from the applicable central processing date, which rate may vary from the rate Visa VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1.8% International Inter- national Service Assessment on all international transactions transactions, regardless of whether there is a currency conversion. We pass this If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transaction fee on to youtransactions/currency conversions is disclosed separately. An international transaction is a transaction where the issuer country of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in outside the United StatesUSA. Advisory Against Illegal Use. Use - You agree not to use your card(s) for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) accounts by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx xxx.xxxxxxxxx.xxx and using your user identification, your password, User ID and your multifactor authentication, Password to: • * transfer funds from checking to checking or * transfer funds from checking to savings • * transfer funds from savings to savings * transfer funds from savings to checking or savings • * make payments from checking to third parties line of credit * make payments from savings to line of credit * get balance information about checking, savings, certificate of deposit or line of credit * get withdrawal history about checking, savings, certificate of deposit or line of credit * get deposit history about checking, savings or certificate of deposit * get transaction history about checking, savings, certificate of deposit or line of credit, Bill Pay types of transfers You may access this service by computer at xxx.xxxxxxxxx.xxx and using your User ID and Password. You may access this service to: * make payments from your checking and savings account(s) to any business, merchant, individual or professional that has an address the Bank can verify (the "Payee"). (Some payments made by paper check will not be subject to this Electronic Fund Transfer disclosure. See your service agreement for details. Payments may be made only to Payees with a United States payment address. You may not make a payment of taxes or any other governmental fees or court-directed payments through Bill Pay.) Limits and fees - please Please refer to our separate fee schedule disclosure for charges information about fees and limitations that may apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your savings account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfer may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth about in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments payment network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a pre-printed deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized □ Preauthorize d credits. You may make arrangements arrangeme nts for certain direct deposits , such as Social Security or payroll, to be accepted into your checking or savings account(s)account(s ) . • Preauthorized □ Preauthorize d payments. You may make arrangements to pay certain recurring bills from your checking or savings account(saccount(s ). • □ Electronic check conversion. You may authorize a merchant authoriz x x xxxxxxxx or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • □ Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient insufficie nt funds. Financial Freedom Telephone Types and limitations on AT M Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification numberATM, to: • □ make deposits to checking or savings account(s) at Liberty Bank and Trust Company only • □ get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day • □ transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • □ transfer funds from checking to savings account(saccount( s) at Liberty Bank Types and Trust Company only • get information about: - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. Some of these services may not be available at all terminals. Types of Visa® limitations on Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person person, online, or by phone), pay for services (in person person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial financi al institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you Some services may not exceed $3,000.00 in be available at all terminals. For security reasons, daily limits apply to ATM withdrawals and point-of-sale transactions per day even though transactions. In the event of security breach, fraud attempt, or other emergency, we may reduce, or suspend your ATM or debit card limit without prior notice. We may impose other limits on your debit card usage or on other types of electronic fund transfers in the future to protect your account balance(s) from fraud. Types of Park Bank At Your Service 24/7 T ransfers - You may be higher • you may not exceed $500.00 in ATM transactions per access your account by telephone 24 hours a day Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, 608.283.6868 using the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For examplePIN established at account opening, a transaction made online with touch tone phone, and your account numbers, to: □ transfer funds from checking to checking or savings □ transfer funds from savings to checking or savings □ transfer funds from line of credit to checking or savings □ make payment from checking or savings to a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display loan Types of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Online Banking Computer Transfers/ Mobile Banking Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and website, through the browser on a support ed mobile device or using your user identification, your password, and your multifactor authentication, the app on a supported mobile device to: • □ transfer funds from checking to checking checking, savings, or savings • loan account(s) □ transfer funds from savings to checking , savings, or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings loan account(s) - deposits □ transfer funds from line of credit to checking or savings accounts - withdrawals from □ deposit checks into a checking or savings accounts Mobile Banking account with a supported mobile device Types of Bill Pay Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by logging onto our website, through the browser on your a supported mobile device or by downloading using the app on a supported mobile device to: □ Use Bill Pay online to add payees and make payments to individua ls or companies to whom you want to send one-time or recurring payments from your checking account. □ Using Bill Pay online will also allow you to: □ transfer funds externally to and from an account you have at other financial institution( s) using the account and routing number (Account-to-account or A2A transfers). □ transfer funds externally to a person using either their mobile phone number, email address or their account and routing number (Person- to- pe rs on or P2P payments). □ Use Bill Pay to make payments to individuals or companies to whom you want to send one-time or recurring payments from your checking account with a supported mobile device once payees have been establishe d. For security reasons, daily or monthly limitations may apply to Telephone, Electronic Banking, and Bill Pay transactions. In addition, you may only add a new payee to Bill Pay within Online Banking. This feature is not currently available through Bill Pay on our mobile banking app and using your user identification and your password, to: • transfer funds app. Limitations on frequ ency of transfers. □ Transfers from checking a money market account to checking another account or savings • transfer funds from savings to checking or savings • make payments from checking to third parties by preauthoriz ed, automatic, telephone, online or mobile transfer or by check, draft, or similar order to third parties are limited to six (Bill Pay6) per statement cycle. □ Transfers from a savings account to another account or to third parties by preauthoriz ed, automatic, telephone, online or mobile transfer are limited to six (6) per statement cycle. FEES AT M & Debit Card Fees: □ Park Bank will not charge you to use a Park Bank debit card at an ATM. □ DEBIT CARD RUSH ORDERS: Same Day Production with Overnight Delivery - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service $116. All rush requests must be submitted by noon central time. You may be charged access fees by your cell phone provider based on your individual planalso opt for an instant issue debit card in a branch at no extra charge. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM AT M Operator/Network Fees. When you use an ATM AT M not owned by us, you may be charged a fee by the ATM AT M operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Currency Conversion and Cross-Border Transaction Fees. If you conduct a transaction with your debit card in a currency other than U.S. Dollars, Visa® will convert the charge into a U.S. Dollar amount. The Visa® currency conversion procedure includes use of either a Government-mandated exchange rate, or a wholesale exchange rate selected by Visa®. The exchange rate Visa® uses will be a rate in efect on the day the transaction is processed. This rate may difer from the rate in efect on the date of purchase or the date the transaction was posted to your account. In addition, you will be charged a Visa® Foreign Transaction Fee of 1.00% of the transaction amount for each transaction billed from a foreign country. This fee will appear as a separate transaction on your statement with the description "VISA Foreign Transaction Fee." Online Banking/M obi l e Banking Fees and Charges. There are no fees imposed by Park Bank for the use of online or mobile banking. Bill Payment Fees and Charges. □ There are no fees imposed by Park Bank for the use of standard Bill Payment services. □ Same Day Bill Payment: $9.95 □ Overnig ht Check Payment: $14.95 Wireless Carrier Fees. Your wireless carrier may assess message fees, data rates, and other charges when you use your mobile phone. Please refer to your contract with your wireless provider for information about these fees. Other Fees: □ There is no processing charge for direct deposits or pre-authorized payments. □ External Transfers should be conducted through the use of Bill Payment. If you opt to have Park Bank establish an External Transfer for you, an External Transfer Fee of $10.00 per transfer will apply.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. credits - You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s)savings. • Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking or savings account(s)or money market. • Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers TeleBanc transactions - types of transfers transactions - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your account number(s), personal identification numbernumber (PIN), a social security number and touch tone phone, and your account numbers, phone to: • transfer funds from checking checking, savings or money market to checking checking, savings or savings money market • transfer funds from savings to get balance information about checking, savings, certificate of deposit or money market or loans • get withdrawal history about checking or savings • get information aboutdeposit history about checking, savings or money market • get transaction history about checking, savings or money market You may access your account for telephone transactions at the following number(s) and during the following hours: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts • (000) 000-0000 (24) • (000) 000-0000 (24) ATM Transfers Card transactions - types of transfers, dollar limitations, and charges transactions - You may access your account(s) by ATM using your ATM card Card and your personal identification number or debit card and personal identification number, (PIN) to: • make deposits deposit funds to checking • withdraw cash from checking, savings or savings account(s) at Liberty Bank and Trust Company only • get cash withdrawals from checking or savings account(s) - you may withdraw no more than $500.00 per banking day money market • transfer funds from checking, savings or money market to checking account(s) at Liberty Bank and Trust Company only • transfer funds from checking to checking, savings account(s) at Liberty Bank and Trust Company only or money market • get balance information about: about checking, savings or money market • Cash Withdrawal at ATM Dollar Limit - the account balance of your checking or savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the 500.00 per day. • ATM owner may applyForeign Transaction Fees - $1.50. Some of these services may not be available at all terminals. Types of Visa® MasterCard Debit Card ATM transactions - types of transactions - You may access your account(s) by ATM using your MasterCard Debit Card and your personal identification number (PIN) (as applicable) to: • deposit funds to checking • withdraw cash from checking or savings • transfer funds from checking or savings to checking or savings • get balance information about checking or savings • Debit Card Purchase / Point-of-Sale Transactions Aggregate Dollar Limit - $1,500.00 per day in transactions which includes $500.00 per day cash withdrawals. Some of these services may not be available at all terminals. MasterCard Debit Card point-of-sale transactions - types of transactions - You may access your checking or your savings or money market account(s) by debit card to do transactions that participating merchants will accept, including: • purchase goods (in person or person, by phone), or online • pay for services (in person or person, by phone), or online • get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. or financial institution • Debit Card Purchase / Point-of-Sale Transactions Aggregate Dollar Limit - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions 1,500.00 per day even though your account balance(s) may be higher • you may not exceed in transactions which includes $500.00 in ATM transactions per day cash withdrawals. Currency Conversion and International Transactions. When Transactions - If you use effect a transaction with your Visa® Debit Card at in a merchant that settles in currency other than US dollarsDollars, MasterCard will convert the charge will be converted into the a US dollar Dollar amount. The MasterCard currency conversion rate used to determine the transaction amount in US dollars is procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Visa from the 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 dateMasterCard. The conversion exchange rate MasterCard uses will be a rate in effect on the processing date day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction date or posting datewas posted to your account. Visa USA MasterCard charges us a 1Currency Conversion Assessment of 20 basis points (.2% International Service of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 80 basis points (.8% of the transaction) on all international cross-border transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international A cross-border transaction is a transaction where processed through the issuer Global Clearing Management System or the MasterCard Debit Switch in which the country of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in different than the United Statescountry of the cardholder. Advisory Against Illegal Use. Use - You agree not to use your card(s) for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) accounts by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx xxx.xxxxxxxxxxxxxx.xxx and using your user identification, your password, User ID and your multifactor authentication, Password to: • transfer funds from checking checking, savings, money market to checking checking, savings, or money market • get balance information about checking, savings, certificate of deposit or money markets or loans • get withdrawal history about checking, savings or money markets • transfer funds from get deposit history about checking, savings to checking or money markets • get transaction history about checking, savings or money markets Xxxx Payment - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxx.xxx and using your user name and password. You may access this service to: • make payments from your checking and savings, or money market account(s) to third parties payees that you designate. (Bill PaySome payments made by paper check will not be subject to this Electronic Fund Transfer disclosure. See your service agreement for details. Xxxx Payment is free. Maximum (total payment per payee) - please $9,999.99. Limits and fees - Please refer to our separate fee schedule disclosure located within the "Products & Services" tab and click on "Fees and Charges" for charges information about fees and limitations that may apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Fees and charges applicable to transfers – Money Market Excessive withdrawal fee (per item in excess of six (6) per month) $15.00 per item. Savings Excessive withdrawal fee (per item in excess of six (6) per quarter) $3.00 per item.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized •Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking checking, savings, or savings money market account(s). • Preauthorized •Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking checking, savings, or savings money market account(s). • Electronic •Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic •Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Columbia On-Call Telephone Banking Transfers - types of transfers - You may access your account by telephone 24 hours a day at 0-000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, number and your account numbers, to: • transfer •transfer funds from checking to checking or •transfer funds from checking to savings • transfer •transfer funds from savings to checking or •transfer funds from savings • get to savings •make payments from checking to loan accounts with us •make payments from savings to loan accounts with us •get information about: - the -the account balance of checking or savings accounts - the account(s) -the last ten five deposits to checking or savings accounts - the -the last ten five withdrawals from checking or accounts -the account balance of savings account(s) -the last five deposits to savings accounts -the last five withdrawals from savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card Columbia Cash Card and personal identification number or debit card Columbia VISA® Debit Card and personal identification number, to: • make •make deposits to checking or account(s) •make deposits to savings account(s) at Liberty Bank and Trust Company only • get •get cash withdrawals from checking or savings account(s) - you -you may withdraw no more than $500.00 600.00 or your available balance, whichever is less, per banking day • transfer -see the Services & Fees Schedule for applicable charges •get cash withdrawals from savings account(s) -you may withdraw no more than $600.00 or your available balance, whichever is less, per day -see the Services & Fees Schedule for applicable charges •transfer funds from savings to checking account(s) at Liberty Bank and Trust Company only • transfer •transfer funds from checking to savings account(s) at Liberty Bank and Trust Company only • get •get information about: - the -the account balance of your checking or account(s) -the account balance of your savings accounts There is a charge of $2.00 for each withdrawal, transfer, inquiry, or denial at ATMs we do not own or operate in addition to any other charges the ATM owner may apply. account(s) Some of these services may not be available at all terminals. Types of VisaColumbia VISA® Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person person, online, or by phone), pay for services (in person person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed •Non-VISA Debit Purchases $1,000.00 or available balance, whichever is less, per day or •VISA Debit Purchases: $3,000.00 in pointor available balance, whichever is less, per day (Business-ofclass cards may purchase up to $5,000.00 or available balance, whichever is less, per day) Peer-sale to-Peer (P2P) Transactions using your Columbia VISA® Debit Card - P2P dollar and frequency limits are as follows. Each limit applies separately to credit and debit transactions. •Limit of $3,000.00 or available balance, whichever is less, per transaction •Limit of $3,000.00 or available balance, whichever is less, per day •Limit of $15,000.00 per week •Limit of 10 transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM •Limit of 100 transactions per day week Currency Conversion and International TransactionsConversion. When you use your VisaColumbia VISA® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa VISA itself receives, or the government-government- mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxx.xxx and using your user identification, your password, and your multifactor authentication, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by downloading our mobile banking app and using your user identification and your password, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • make payments from checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • deposit checks remotely using the remote deposit capture service You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).