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First National Bank of MilacaATTN: Digital Banking Department(320) 983-1330PO Box 38Milaca MN 56353Online Banking Terms and Conditions- March 1, 20211. Service. The Online Banking service (“Service”) is designed to allow customers (“You”, Your”) to perform a number of bankingfunctions on your designated Eligible Accounts (“Account” or “Accounts”) with First National Bank of Milaca (“Bank”, ”we” ,“our”) in accordance with this agreement (“Agreement”).The terms and conditions of this Agreement supplement your existing Account Agreement and Disclosures governing youraccounts with the Bank and any other Agreements you have with the Bank.2. Acceptance of these terms. After you have carefully read this Agreement in its entirety, and the linked Privacy Notice, you willbe asked to accept the terms and conditions of this Agreement by clicking on the “I AGREE” button below. By accepting thisAgreement, you are agreeing to all of the terms and conditions outlined within it. You are not permitted to alter or amend thisAgreement or any related document without our express written consent. Any attempt to do so will be void and unenforceableThis Agreement is subject to change. Updates to this Agreement will be sent electronically if you have agreed to our ElectronicDisclosure Consent Agreement, otherwise they will be mailed to you at the last known address in our files. We will provide youwith advance notice if any changes to this Agreement are required by applicable law. If you have any questions about thisAgreement, or if you want a paper copy, please contact our Digital Banking Department at (320) 983-1330 or write us at FirstNational Bank of Milaca, ATTN: Digital Banking Department P.O. Box 38, Milaca MN 56353. You should print and/or save acopy of this Agreement for your records.If you do not agree to the terms of this Agreement and/or do not accept the electronic version of this document, select the“CANCEL” button below.3. Fees/Charges. The Bank does not charge a fee associated with the Online Banking Service.This Service fee can be changed at any time per the Bank’s discretion. We will notify you at least 30 days before we increase theService Fee. If increased, this Service Fee will be charged per deposit and all Service Fees will be debited from your Account.Continued use of the service after we provide notice of the change in the fee amount indicates your acceptance to pay the newService Fee amount.4. Definitions Access ID – means an access identification code used to access the ServiceACH Origination - refers to the creation of debit and credit entries to facilitate the transfer or placement of funds inanother institution through the Automated Clearing House (ACH) network, which is a batch processing payment systemthat U.S. financial institutions use to exchange and settle credit and debit transactions on behalf of their clients or

themselves. The ACH network is a funds transfer system governed by the National Automated Clearing House Association(NACHA).Agreement - means these terms and conditions of the Service.Authorized User - is any individual, agent, or authorized signer whom you allow to use the Service, your Passcode or othermeans to access your Eligible Account(s).Billing Account - is the account from which all Service fees will be automatically debited.Business Day - is every Monday through Friday, excluding Federal Reserve holidays.Business Customer - Refers to anyone other than a Consumer who owns an Eligible Account with respect to which theService is requested primarily for business or commercial purposes.Business Day Cutoff - Refers to the cut-off time for processing purposes. The cut-off time for online transactions is basedupon our Business Days and the Central Time Zone (USA). For posting purposes, we will process all transactions completedby 4:00 p.m. on the same Business Day. Transactions completed after 4:00 p.m. will be processed on the following BusinessDay.Consumer – Refers to a natural person who owns an eligible Account at this Bank and who uses the Service primarily forpersonal, family, or household purposes.Electronically Created Items (ECI) - Images created electronically and not from a paper check (i.e. emailed checks).Electronic Funds Transfer (EFT) – Refers to any transfer of funds initiated through the Service. If we grant transferprivileges through the Service and you are a non-Business Customer, then you have certain rights and responsibilities underthe EFT Act (Reg E) which are further detailed within this Agreement.Eligible Accounts –Refers to any one of your account(s) to which we may allow access through the Service under thisAgreement. You may request Internet access to any account that you are a signer or owner. If you or your Authorized Usersdesire features of the Service that allow you to initiate transfers, ACH transactions, or otherwise remove funds from anaccount, you must have the required withdrawal authority over the relevant Eligible Account. When using the Service, youagree to maintain one or more Eligible Accounts with us and to keep sufficient balances in any account to cover anytransaction and fees that are ultimately approved by or related to the Service.Joint Accounts - If the accounts added to the Service are jointly held or have multiple signers, you agree that access to theinformation and all transactions initiated by the use of your Access ID and Passcode are authorized unless we have beennotified to cancel the Service. If joint account holders use individual Access IDs, the Service may be identified as twoseparate Services. Transaction history is maintained for each Access ID.Passcode - means any code, Passcode, or personal identification number that is known solely by you and not by this Bank orour Service Providers and that you use to access the Service.Payment Account – is your Eligible account from which transfers will be debited.Service – means the Services offered by First National Bank of Milaca through its Service Providers.Service Provider - includes any agent, licensor, independent contractor or subcontractor that this Bank may involve in theprovision of the Service. As used in this Agreement, “we”, “us” and “our” refer to this Bank and/or its Service Providers, asthe case may be.you and your - As used within this Agreement, “you” and “your” refer to the person enrolling in the Service; owner of theEligible accounts.we, us, or our – As used within this Agreement, refer to First National Bank of Milaca and any agent, independentcontractor, Service Provider, sub-contractor, licensor, designee, or assignee that First National Bank of Milaca may involvein the provision of the Service.5. Prerequisites for Enrolling in the Online Banking Service. In order to enroll in the Online Banking Service the followingconditions must be met: You must have an Eligible Account with the Bank Your Account with us must be in good standing You must be 18 years of age or older or you must be 13 to 17 years of age and have a parent or guardian as joint owner onall eligible accounts.6. Hardware and Software. In order to use the Service, you must obtain and maintain, at your expense, compatible hardwareand software as specified by Bank. Bank is not responsible for any third-party software you may need to use the Service. Anysuch software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter intodirectly with the third-party software provider at time of download and installation. Below is a basic list of requirements: You will need internet access through an Internet service provider (ISP) or data through a carrier plan. You will need an external email address for delivery of electronic notices and disclosures.

You will need a computer and Internet browser that will support 128 bit encryptiono Some features of the Service may not be supported with older browserso We recommend the use of the most current, fully patched, versions of Internet browsers for accessing the OnlineBanking Service.You will need access to a printer and/or other storage medium such as a hard drive for downloading information or printingdisclosures.You MUST maintain fully updated anti-virus protection on your computer at all times.Prior to enrolling in this Service and accepting the electronic version of this Agreement, you should verify that you have therequired hardware and software necessary to accept the Service.If we revise hardware and software requirements, and if there is a material change that impacts your ability to access our OnlineBanking Service, we will give you advance notice of these changes and provide you an opportunity to cancel the Service and/orchange your method of receiving electronic disclosures (e.g. change to paper format vs and electronic format) without theimposition of any fees.Visit us at www.fnbmilaca.com for the most up to date list of hardware and software specification requirements7. Electronic Disclosures. We may deliver amendments to this Agreement and other disclosures to you in an electronic format.Other disclosures may include: Monthly account statements Deposit account disclosures Notices regarding change in account terms and fees or charges Privacy noticesWith your acceptance of our Electronic Disclosure Consent, you have agreed to accept this Agreement and other Online bankingrelated disclosures in an electronic format. You also agree and represent that you have the necessary equipment for accessingthe Online banking Service and for viewing electronic disclosures.If you later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of yourintent to cancel electronic disclosures by contacting our Digital Banking Department at (320) 983-1330 sending us a secureemail through the Online Banking Service , or writing us at First National Bank of Milaca, ATTN: Digital Banking DepartmentP.O. Box 38, Milaca MN 563538. Electronic Statements (e-statements). As part of the enrollment application process, we may ask if you want to receiveelectronic only versions of your account statements (e-statements). If you enroll for e-statements and then later decide that youwant to receive paper statements, you can “opt-out” of electronic delivery on the “Statements” page within the Service. Afteryour opt-out request is processed, you will begin receiving paper copies of account statements. ADDITIONAL CHARGES WILLAPPLY, see our current Common Fee Schedule on our website or call us at (320) 983-3101.If you enroll for e-statements and then later close your accounts with the Bank, your access to the Service will also beterminated. You may request paper copies of historical statements by writing us at First National Bank of Milaca, ATTN: DigitalBanking Department P.O. Box 38, Milaca MN 56353. See our current Common Fee Schedule for statement copy fees.9. Available Funds. You agree to have available and collected funds on deposit in the account you designate in amounts sufficientto cover all transactions required by any Authorized User and to cover any applicable fee(s) related to the Online BankingService. We reserve the right, without liability, to reject or reverse a transaction if you fail to comply with this requirement orany other terms of this Agreement. If you do not have sufficient funds in the Account and we have not exercised our right toreverse or reject a transaction, you agree to pay for such transaction and any other overdraft charge on demand.10. Basic Services. The basic features currently available through the Service include: Up to 24 months of transactional detail and historyAccount Inquiries for balances, rates, etc.Up to 24 months of Account StatementsTransfers between your accounts at this BankSecure e-mails/file transfer via the Service’s messaging systemView loan balances

Payments to loans at this BankTransaction downloads11. Other Online Banking FeaturesStop Payment Feature. The stop payment feature within the Service is only for stopping payments on checks that you havewritten or for stopping pre-authorized electronic drafts that are deducted from your account. This feature is accessible in the“All Services & Settings” menu of the Service and provides a means to securely forward your stop payment requests to us forprocessing.Stop payment requests received through the Service will generally be processed within one (1) to two (2) Business Days.Therefore, if your request is urgent, we recommend that you contact us via telephone or in person.The stop payment feature within the Service should NOT be used to cancel electronic transfers.There is typically a stop payment fee associated with this feature. Please refer to our current Common Fee Schedule foradditional information or contact us at (302) 983-3101. Additional terms of acceptance or disclosures may apply on the stoppayment service and these disclosures will be made at the time you complete the request. Additional information on stoppayments is available within the Service.Address Change, Order Documents, Secure E-Mail & Secure File Delivery Services. Additional features within the Serviceinclude: check reorders, secure emails for address changes, document requests, and secure file delivery. The submission ofrequests, such as those for address changes, document requests, or check reorders, will generate a secure email to this FinancialInstitution. Generally, requests received through the Service’s secure e-mail feature will be processed within one (1) to two (2)Business Days. For urgent requests, we recommend that you contact us at (320) 983-3101.Check Orders. We also offer a direct link for check reorders. This link will securely submit your reorder request to the checkprinting vendor. There may be additional fees associated with this service. Fees/Charges made available at the time of yourrequest.Add or Remove linked Accounts. In the “All Services & Settings” menu, you can request the addition/ removal of LinkedAccounts.Secure file transfer. The secure file transfer feature within the Service provides a means for you to forward files to thisinstitution in a secure manner.External Transfers. Transfers between your accounts at other Financial Institutions. A supplemental Agreement will beprovided at the time you sign up for this service.My Spending. A dashboard that aggregates information from all of your eligible accounts. It offers a way to monitor and adjustspending habits. See attached Addendum Attachment 1 for details.Pay Someone (Person to Person transfers). Transfer funds from your bank account to another person by email or text. Seeattached Addendum Attachment 2 for details.12. In Case of Errors or Questions About Transactions Involving Consumer Accounts.Your liability regarding unauthorized transfers and errors involving Consumer Accounts may be limited by the Electronic FundsTransfer Act and related federal regulations, as further set forth in your Electronic Funds Transfer Initial Disclosure. Visit us atwww.fnbmilaca.com to view the disclosure.13. In Case of Errors or Questions About Transactions Involving Business Accounts.Call us at (320) 983-3101 or write us at First National Bank of Milaca, ATTN: Error Resolution Department, P.O. Box 38, Milaca,MN 56353 as soon as you can, if you think your periodic statement is wrong or if you need more information about a transfercovered by this Agreement, which is listed on the statement.14. Contacting Us By E-Mail. Sending e-mail is a very good way to communicate with us regarding the Linked Accounts or OnlineBanking Services. However, unless you use the “Messages” feature available through Online Banking Services AFTER YOU HAVESECURELY LOGGED INTO THE ONLINE BANKING SITE, your email is sent via your own software and, as a result, may not besecure. Because of this, you should not include confidential information such as account numbers and balances in anyunsecured e-mail to us. You cannot use e-mail to initiate Online Banking Services truncations. All such transactions must beinitiated using the appropriate functions within the Online Banking Services. We will not be liable for any errors, omissions,claims, or problems of any kind involving your e-mail.

15. Enrollment Process. You must complete the enrollment process to use the Service online. The online process involvescompleting a secure online application that we will use to verify your identity. You will also choose your Access ID and Passcodeduring the enrollment process. We will notify you by secure email if your application and eligible accounts are approved.16. Linked Accounts. When you first enroll for the Basic Service you will be asked for the eligible accounts you would like linked tothe Service. Business Customers may be able to link personal Consumer accounts to the Service.If the Eligible Accounts added to the Service are jointly held or have multiple signers you agree that access to the informationand all transactions initiated by the use of your Access ID and Passcode are authorized unless we have been notified to cancelthe Service.Joint account holders should use individual Access IDs. The Service will identify the users separately. In some cases, if youraccount(s) require two signatures for withdrawal, we may only grant view only privileges to your Eligible Accounts through theService17. Address, E-mail, or Payment Account Changes. When you enroll in the Service, we may send you a “Welcome” e-mail or letterand/or secure messages through the Service regarding important Online Banking matters and/or changes to this Agreement.You must provide us your current email address and mailing address in order for us to deliver this information to you.It is your sole responsibility to ensure that your contact information is current and accurate. This includes, but is not limited to,name, physical and mailing address, phone numbers, and e-mail addresses. Changes can be made in either within the Service inthe User Services menu or in person at any one of our branch officers.18. Signature Requirement. When any online transfer or other payment instruction is initiated through the Online Banking Servicefor your benefit, you agree that we may debit the designated Eligible Accounts without requiring your signature on the item andwithout any notice to you. Requirement of dual signatures on checks, if applicable, does NOT apply to transfers initiatedthrough the Online Banking Service.Authorized Users of Business Customers that may be assigned transactional capabilities through the Service should beauthorized by the Business Customer to make or approve electronic transfers, even though that person’s authority to maketransfers by other means may still require dual signatures.19. Account Balances. Balances shown in your accounts may include deposits subject to verification by us. The balance reflected inthe Service may differ from your records due to deposits in progress, checks outstanding, or other withdrawals, or charges. Atransfer request may not result in immediate availability because of time requirements to process the request. A transferrequest must be made before the Business day Cut off time to be effective the same Business Day.The balances within the Service are updated periodically and the Service will display the most current "as of" date on the"Accounts" summary page. There may be situations that cause a delay in an update of your balances.20. Cancelling or Changing Transfers. You cannot cancel a transfer after it has been entered into the system AND the informationhas been processed and/or transmitted to us through the Service; however, you can edit or change a transfer that is stillpending.In order to cancel or change a pending transfer, use the following procedures:1. Log in and make edits to the appropriate transaction.2. You may edit a pre-scheduled (future dated/automatic) transfer any time before 3:30 p.m. CT on the Businessprocessing day before th