MASTER ONLINE BANKING TERMS & CONDITIONSA. General Provisions.1. Services Provided. These Master Online Banking Terms and Conditions (“Terms and Conditions”)govern all Business Online Banking services provided by The First National Bank in Sioux Falls(“Bank,” “we,” “us,” or “our”) to its business and commercial customers (each, a “Customer,”“you,” or “your”). Bank provides the following services through its Business Online Bankingprogram: (a) funds transfer; (b) payments to Loan Accounts; (c) balance information and activity; (d)scheduled payments; (e) stop payment orders; (f) wire transfer; (g) mobile banking; (h) remotedeposit; (i) alert services (as further defined and set forth in Addendum A to these Terms andConditions); and (i) any other services offered by the Bank now or in the future (“Service” or“Services”).2. Enrollment in Services. Enrollment in any individual Service requires the completion of a MasterOnline Banking Agreement signed by Bank and Customer (the “Agreement”). These Terms andConditions shall apply to all Services requested by Customer or provided by Bank as set forth in theBusiness Solutions Master Authorization, attached as Schedule A of the Agreement.3. Legal Compliance. Bank and Customer agree to comply with provisions of all applicable federal,state, county, or municipal laws, regulations, and ordinances. Customer agrees it shall not use anyService in a manner that is designed or has the effect of violating or evading any laws regardingcurrency controls, money laundering, bank secrecy, or unlawful internet gaming. Customer agrees toprovide Bank with all the information that the Bank Secrecy Act and any other applicable law orregulation requires Bank to obtain in connection with any Service. If Customer fails to provide Bankwith all the information required by law or requested by Bank in connection with any Service,Customer agrees that Bank is not obligated to provide such Service and is not liable for any losses ordamages resulting from Bank’s failure to provide such Service.B. Definitions. All defined terms in the Agreement have the same meanings as provided therein.Unless otherwise defined in these Terms and Conditions, or in the Agreement, capitalized wordsor phrases shall have the meanings set forth in Chapters 3 and 4 of Title 57A of South Dakota’sUniform Commercial Code. The following are additional defined terms for purposes of theseTerms and Conditions:1. “ANS X.9.13” means the standard promulgated by ANSI entitled “Specifications for Placement andLocation of MICR Printing” for Original Checks or any amended or successor standard designatedby the Federal Reserve Board.2. “ANS X.9.100-140” means the image quality standard promulgated by ANSI entitled “Specificationsfor an Image Replacement Document – IRD” or any amended or successor standard designated bythe Federal Reserve Bank.3. “ANSI” means the American National Standards Institute.4. “Approve Request” means the instructions of Customer to Bank ordering Bank to pay an ExceptionCheck.5. “Authorized Account” means the Account(s) of Customer, maintained at Bank, to which the positivepay services rendered by Bank will apply. Authorized Accounts are identified by account number.Page 1 of 4904/21

6. “Available Funds” means funds on deposit in an Authorized Account and available for withdrawalpursuant to Regulation CC and the Bank’s applicable funds availability schedule and policies.7. “Beneficiary” means the person to be paid by the Beneficiary’s Bank.8. “Beneficiary’s Bank” means the bank identified in a Payment Order in which an account of theBeneficiary is to be credited pursuant to the order or which otherwise is to make payment to theBeneficiary if the order does not provide for payment to an account.9.“Biller” is the person or entity to which Customer wishes a bill payment to be directed or is theperson or entity from which Customer receives electronic bills, as the case may be.10. “Billing Account” is the checking account from which all Bill Pay Service fees will be automaticallydebited.11. “Business Day” is every Monday through Friday, excluding Federal Reserve holidays.12. “Check 21” means the Check Clearing for the 21st Century Act and its implementing regulation,Regulation CC (12 C.F.R. Part 229).13. “Check Issue Report” means a record describing checks drawn by Customer on an AuthorizedAccount, provided by the Customer to Bank through Bank’s Business Online Banking softwareunder Section F.1 of these Terms and Conditions.14. “Collecting Bank” means any bank handling a check for forward collection, except the paying bank.15. “Deposit Limit” means the maximum dollar amount of a daily deposit of collected and uncollectedOriginal Checks and Substitute Checks as determined from time to time by Bank and communicatedto Customer.16. “Disapprove Request” means the instructions of Customer to Bank ordering Bank not to pay anException Check.17. “Due Date” is the date reflected on Customer’s Biller statement for which the payment is due; it isnot the late date or grace period.18. “Effective Entry Date” means the date included in any Entry as the date upon or after which suchEntry is to be effective.19. “Electronic Deposit” means a file that contains information regarding each Sufficient Image Copy tobe transmitted by Customer to Bank in the same batch as the Electronic Deposit and that meets allof the requirements imposed from time to time by Bank in these Terms and Conditions.20. “End User License Agreement” means the agreement governing use of the application softwareCustomer must download to a Mobile Device in order to use Mobile Banking.21. “Entry” has the meaning given in the Rules, except that it shall also include an “On-Us Entry.”22. “Exception Check” means a Presented Check that does not match a check included in a Check IssueReport or a Presented Check that has been flagged by Customer for Customer’s review as an ItemStop or as a time dated check, signature required, or endorsement verification required.Page 2 of 4904/21

23. “Exception Check Report” means a record describing Exception Checks which is provided by Bankto Customer under Section F.2 of these Terms and Conditions.24. “Funds Transfer” means the series of transactions, beginning with the Originator’s Payment Order,made for the purpose of making payment to the Beneficiary of the order. The term includes anyPayment Order issued by the Originator’s Bank or an Intermediary Bank intended to carry out theOriginator’s Payment Order. A Funds Transfer is completed by acceptance by the Beneficiary’s Bankof a Payment Order for the benefit of the Beneficiary of the Originator’s Payment Order. As used inthese Terms and Conditions, the term “Funds Transfer” is deemed to include, without limitation, atransfer of funds by means of the Federal Reserve FEDWIRE, Clearing House Interbank PaymentsSystem (“CHIPS”), the Society for Worldwide Interbank Financial Telecommunications (“SWIFT”),TELEX, computer terminal, or other means. The term is also deemed to exclude any transactioncovered by the Electronic Funds Transfer Act and Regulation E of the Federal Reserve Board.25. “Image” means the electronic image of the front and back of an Item, all of the information from theMagnetic Ink Character Recognition (“MICR”) line on the original Item, and any other requiredinformation, as specified by Bank, in the format Bank specifies.26. “Image Replacement Document” or “IRD” means a substitute check, as defined in Check 21.27. “Intermediary Bank” means a Receiving Bank other than the Originator’s Bank or the Beneficiary’sBank.28. “Item” is an original: check, cashier’s check, official check, United States Treasury check, or anyother payment instrument, drawn on a financial institution within the United States and payable inUnited States currency that is payable to you. Items are deemed to be “items” under the SouthDakota Uniform Commercial Code and “checks” under Regulation CC.29. “Magnetic Ink Character Recognition Line” or “MICR Line” mean the numbers, which may includethe routing number, account number, check number, check amount and other information, that areprinted near the bottom of a check in magnetic ink in accordance with the Standards.30. “Mobile Device” means any cellular or mobile phone, tablet computer, or other device that satisfiesthe hardware and software requirements specified by Bank from time to time and is otherwiseacceptable to Bank, including providing for the capture of Images of Items and for the transmissionof such Images to Bank.31. “On-Us Entry” means a debit or credit Entry to an account maintained at the Bank.32. “Original Check” means the first paper check issued to or endorsed in favor of Customer withrespect to a particular payment transaction which is payable on demand and drawn on or payablethrough or at an office of a United States financial institution, whether or not negotiable, that ishandled for forward collection, including a Substitute Check and a traveler’s check; and does notinclude a non-cash item payable in a medium other than United States dollars or items payable toCustomer drawn on Customer’s own Account.33. “Originator” means the Sender of the first Payment Order in a Funds Transfer.34. “Originator’s Bank” means (i) the Receiving Bank to which the Payment Order of the Originator isissued if the Originator is not a bank, or (ii) the Originator if the Originator is a bank.35. “Payment Account” is the checking account from which bill payments will be debited.Page 3 of 4904/21

36. “Payment Instruction” is the information provided by Customer to the Bank for a bill payment tobe made to the Biller (such as, but not limited to, Biller name, Biller account number, and ScheduledPayment Date).37. “Payment Order” means an instruction of a Sender to a Receiving Bank transmitted orally,electronically, or in writing to pay, or to cause another bank to pay, a fixed or determinable amountof money to a Beneficiary if: (1) The instruction does not state a condition to payment to theBeneficiary other than time of payment, (2) The Receiving Bank is to be reimbursed by debiting anaccount of, or otherwise receiving payment from, the Sender, and (3) The instruction is transmittedby the Sender directly to the Receiving Bank, or to an agent, funds-transfer system, orcommunication system for transmittal to the Receiving Bank.38. “Presented Check” means a check drawn on an Authorized Account and presented to Bank forpayment through the check collection system.39. “Processing Equipment” means any hardware, software, applications, or devices required orprovided by Bank to facilitate the provision of Remote Deposit Capture services.40. “Processing Software” means that portion of the software developed, licensed and/or provided byBank and its licensors for the operation of the Services.41. “RDFI” means a receiving depository financial institution that is qualified to receive ACH entries.42. “Receiving Bank” means the bank to which the Sender’s instruction is addressed.43. “Reconverting Bank” means (1) the bank that creates a Substitute Check; or (2) with respect to aSubstitute Check that was created by a person that is not a bank, the first bank that transfers,presents, or returns that Substitute Check or, in lieu thereof, the first paper or electronicrepresentation of that Substitute Check.44. “Rules” means the Operating Rules & Guidelines of the National Automated Clearing HouseAssociation (NACHA), including any Appendices thereto, as the same may be amended from time totime.45. “Scheduled Payment” is a payment that has been scheduled through the Bill Pay Service but has notbegun processing.46. “Scheduled Payment Date” is the day Customer wants its Biller to receive Customer’s bill paymentand is also the day Customer’s Payment Account will be debited, unless the Scheduled Payment Datefalls on a non-Business Day in which case it will be considered to be the previous Business Day.47. “Sender” means the person giving the instruction to the Receiving Bank.48. “Standards” means the applicable standards set forth in Check 21 or as promulgated by ANSI forimage quality and transmission protocols, including but not limited to, ANS X.9.100-140 and ANSX.9.13, (or any amendment or substitute for such standards as may be promulgated from time totime), whether such standard pertains to the MICR Line, the image quality of the Original Check, theplacement of an image of the Original Check on the Substitute Check, or the manual or electronictransfer of a Sufficient Image Copy or other electronic representation of an Original Check or aSubstitute Check, unless the Federal Reserve Bank, by rule or order determines that a differentstandard is to apply.Page 4 of 4904/21

49. “Substitute Check” means a paper reproduction of an Original Check that (1) contains an image ofthe front and back of the Original Check; (2) bears a MICR line that, except as provided under theapplicable Standard, contains all the information appearing on the MICR line of the Original Checkat the time that the Original Check was issued and any additional information that was encoded onthe Original Check’s MICR line before an image of the Original Check was captured; (3) conforms inpaper stock, dimension, and otherwise with ANS X9.100-140 (unless the Federal Reserve Bank byrule or order determines that a different standard applies); and (4) is suitable for automatedprocessing in the same manner as the Original Check.50. “Sufficient Copy” and “Copy” means (1) a sufficient copy is a copy of an Original Check thataccurately represents all of the information on the front and back of the Original Check as of thetime the Original Check was Truncated or is otherwise sufficient to determine whether or not a claimis valid. (2) A copy of an Original Check means any paper reproduction of an Original Check,including a paper printout of an electronic image of the Original Check, a photocopy of the OriginalCheck, or a Substitute Check.51. “Sufficient Image Copy” means an electronic image of an Original Check or Substitute Check that iscapable of printing a Sufficient Copy of such Original Check or Substitute Check.52. “Truncate” means to remove an Original Check from the forward collection or return process andsend to a recipient, in lieu of such Original Check, a Substitute Check or, by agreement, informationrelating to the Original Check (including data taken from the MICR line of the Original Check or anelectronic image of the Original Check), whether with or without the subsequent delivery of theOriginal Check.C. Mobile Business Banking. If Customer has enrolled in the Bank’s mobile business bankingservices (“Mobile Banking”), this Section C of the Terms and Conditions will apply. To useMobile Banking and any related Software, Customer must download Bank’s mobile application(the “App”) to a Mobile Device, agree to the End User License Agreement, and Customer’sAccount(s) must be enrolled in Business Online Banking.1. Description of Mobile Banking Services. Customer may use the App to (i) access Accountinformation (e.g., to check balances and view transactions); (ii) set up alerts regarding Accounts (e.g.,low balance alerts); (iii) transfer funds between eligible Accounts; (iv) view Item images; (v) depositItems; and (vi) view Account statements. This list is not exhaustive, and Bank may offer additional ordifferent Mobile Banking services in the future, all of which will be subject to these Terms andConditions. All Mobile Banking services may not be available via Customer’s Mobile Device.Customers approved by Bank to use mobile deposit as part of Mobile Banking will also be subject tothe terms governing Mobile Deposit Services as set forth in Section C.9 below.2. Enrollment. To use Mobile Banking, Customer will be required to confirm its Business OnlineBanking relationship with Bank and complete the Agreement, including Schedule A. The Agreement,including Schedule A, must designate the person(s) authorized to have access to the Account(s) viaMobile Banking and an authorized signer on the Account(s).3. Mobile Banking Security Procedures. By using Mobile Banking, Customer agrees to comply with thesecurity procedures set forth in this Section C. Customer is solely responsible for maintaining thesecurity of any Mobile Device and for any unauthorized use of a Mobile Device to access MobileBanking. Customer agrees to lock any Mobile Device used to access Mobile Banking with a passwordor number code whenever it is not in use so that sensitive information is not accessible by others.Page 5 of 4904/21

Customer agrees to notify Bank immediately in the event Customer becomes aware of any loss, theft,or unauthorized use of a Mobile Device.4. Instructions; Availability. Once Customer sends transaction instructions to Bank via Mobile Banking,Customer will not be able to reverse or “undo” those instructions. It is Customer’s responsibility tocorrectly enter all transaction information into a Mobile Device, including transaction amounts.Mobile Banking and any software Customer may obtain from Mobile Banking (“Software”) may notbe available from time to time, including, without limitation, scheduled maintenance or interruptionin Internet service.5. Participating Carriers. Bank’s participating carriers include (but are not limited to) AT&T, SprintPCS,T-Mobile , U.S. Cellular , and Verizon Wireless.6. Privacy and User Information. Customer acknowledges that in connection with its use of MobileBanking, Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, mayreceive and may share with one another names, domain names, addresses, passwords, telephone anddevice numbers, the content of messages, data about Mobile Banking usage (such as session length,number of transactions and geolocation), data files and other data and information provided byCustomer or from other sources in connection with Mobile Banking or the Software (collectively“User Information”). Bank and its affiliates and service providers will maintain reasonable safeguardsto protect User Information from unauthorized disclosure or use, but reserve the right to use anddisclose User Information as reasonably necessary to deliver Mobile Banking, perform analytics toimprove the Mobile Banking service, and as otherwise permitted by applicable law, includingcompliance with court orders or lawful instructions from a government agency, to protect thepersonal safety of subscribers or the public, to defend claims, and as otherwise authorized byCustomer. Bank and its affiliates and service providers also reserve the right to monitor use ofMobile Banking and the Software for purposes of verifying compliance with applicable law, theseTerms and Conditions, and any applicable license, but disclaim any obligation to monitor, filter, oredit any content.7. Restrictions on Use. Customer agrees not to use Mobile Banking or the Software in or for any illegal,fraudulent, unauthorized or improper manner or purpose. Mobile Banking is controlled, operated,and administered by Bank from Bank’s offices within the United States of America. Mobile Bankingis not targeted toward users outside of the United States, and Customer agrees that any use of MobileBanking shall occur within the United States. By using or continuing to use Mobile Banking,Customer represents and agrees that it is located in the United States. Customer further agrees thatMobile Banking and the Software will only be used in compliance with all applicable laws, rules andregulations, including all applicable state, federal, and international Internet, data,telecommunications, telemarketing, “spam,” and import/export laws and regulations, including theU.S. Export Administration Regulations. Without limiting the foregoing, Customer agrees that it willnot use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicitedmaterial to persons or entities that have not ag