CITIZENS FIRST BANK INSTANT ACCESS ONLINE BANKING SERVICE AGREEMENT & TERMS AND CONDITIONS The following user agreement governs the use of your Citizens First online banking service(Instant Access). By your use of Instant Access you agree to the terms and conditions of this agreement, and as the same may be amended from time to time. You should keep a copy of this agreement for your records. In addition to this agreement, you are also bound by the terms and conditions of other agreements and disclosures that govern your deposit account, loan account, or other service, and applicable State and Federal laws and regulations. Before your first use of Instant Access, you must confirm your agreement to the terms and conditions of the service, including any future amendments, by clicking on the “Agree” box that will appear at the end of the agreement. If you do not agree with the terms and conditions you may click the “Do Not Agree” box. Terminology The terms “we,” “us,” “our” and “Bank” mean Citizens First Bank, Inc. The terms “you” and “your” mean the customer approved to use Instant Access and any authorized users. “Business day” means Monday through Friday, excluding Federal holidays. Services Available Currently the following services are available on Instant Access: • Check your account balances; • Check your account history; • Transfer funds between your Citizens First accounts; • Check stock quotes; • Make loan payments; • Bill pay • Download a .QIF file for use with financial management software such as QuickbooksÒ and MicrosoftÒ Money • E-mail with customer service. From time to time Instant Access may add or delete services available to you. We will inform you of any fees for available services. By using any new services that become available, you agree to be bound by the terms and conditions of those services. Fees There is currently no initial charge or monthly fee for your access to basic Instant Access services. Change in Terms We reserve the right to change the terms of this agreement at any time without notice to you unless otherwise required by law. Termination We have the right to discontinue Instant Access at any time without prior notice. You may cancel your use of the service by: • Sending us an e-mail from the e-mail option in Instant Access to webmaster@cfbwv.com; • Telephoning us at 304-273-1100. • Writing to us at Citizens First Bank, 601 Washington St., Ravenswood, WV 26164. We reserve the right to terminate your Instant Access service if you do not use the service for a period of 3 months, or longer, or if you do not abide by the terms and conditions of this agreement. User ID and Password Once we have approved your enrollment form we will send to you final instructions on completing your Online Banking access. For purposes of maximizing your security, and to maintain the confidentiality of your Password, you will be required to select a new Password, authorizing you to obtain access to Instant Access. You can change your Password on Instant Access at any time. You authorize us to follow any instructions entered through Instant Access using your User ID and Password. Your access to Instant Access will be blocked in the event your User ID or Password is entered incorrectly on three (3) consecutive access attempts. If your account has been blocked, to regain access you should telephone us a 304-273-1100. You agree to indemnify and hold the Bank harmless from any liability, cost, expense, or damages, which the Bank may incur as a result of acting upon instructions, or implementing transactions, which bear your User ID and Password. Further, you agree that the Bank is not liable for any transfer, or transaction from or to any account where the transfer, or transaction bears the appropriate User ID and Password. You agree that e-mail or other communications viewed or transmitted between us through the Instant Access service shall be treated as a “writing” and shall bind each of us in the same way as written communications. You agree that use of your User ID and/or Password to access the Instant Access service through our website in connection with a communication that you send to us shall be treated as your signature. Citizens First is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using that password nor are we under any obligation to monitor transactions through Instant Access to determine that they are made on behalf of the account holder. You agree to hold the bank harmless as a result of any damages you may incur as a result of same. For your protection, do not, under any circumstances, disclose your password by telephone or to any one claiming to represent Citizens First Bank; Citizens First Bank employees do not need and should not ask for your password. Citizens First Bank has no responsibility for establishing the identity of any person using your password. If, despite, Citizens First Banks advice, you give your Instant Access password to anyone, you do so at your own risk. Anyone to whom you give your Instant Access password or other means of access will have full access to your accounts even if you attempt to limit that person’s authority, and transactions conducted by such persons will be considered to be authorized by you. You must notify Citizens First Bank, promptly in the event that your password has been lost, stolen or otherwise compromised and should not be honored and must be disabled. System Requirements For you to access Instant Access you must have an eligible account with the Bank, a properly issued and validated user ID and password, Internet access, and a secure web browser that supports frames. You agree to be responsible for any telephone charges incurred for accessing Instant Access. Except as specifically provided in this agreement or where the law requires a different standard, you agree that we shall not be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, Instant Access, or by Internet browser providers, or by Internet access providers, or by online service providers, or by an agent or subcontractor of any of the foregoing. Nor shall we be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, Instant Access services, or Internet access or browser software. E-mail We have provided e-mail forms designed for requesting information and services, for resolving problems concerning your account(s), and for providing general feedback. These e-mail forms are accessible by selecting the Email menu button after you sign on with your password to a secured session of Instant Access. To ensure the security of your account information, we recommend that you use only these e-mail forms when asking specific questions about your account(s). E-mail sent by you may not be processed immediately upon receipt by us. You cannot use e-mail to initiate transactions related to your account(s). For banking transactions, please use the appropriate functions within Instant Access. Accessibility You may access your account(s) through Instant Access 24 hours a day 7 days a week. However, at times some or all of Instant Access may not be available due to system maintenance that may occur at any time without notice. Transfers are not effective immediately for purposes of check verification or payment of checks presented against insufficient funds. Severability If any of the terms or conditions of this agreement are found to be illegal or unenforceable, all other terms and conditions remain legal and enforceable. Bank Liability for Failure to Make Transfers If we do not complete a transfer to or from your account on time (as detailed above under “Accessibility”) or in the correct amount according to this agreement with you, we will be liable only for your actual losses or damages and not consequential damages, caused by our sole negligence. There are some exceptions to our liability. We will not be liable for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer; • If a legal order directs us to prohibit withdrawals from the account; • If your account is closed or if it has been frozen; • If the transfer would go over the credit limit for any credit arrangement set up to cover overdrafts; • If you, or anyone you allow, commits any fraud or violates any law or regulation; • If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly; • If you have not properly followed the instructions for using Instant Access; or • If circumstances beyond our control (such as fire, flood or improper transmission prevent the transfer, despite reasonable precautions we have taken. Disclosure of Account Information to Third Parties We will disclose information to third parties about your account or the transfers you make: • In order to comply with government agency or court orders, subpoenas, garnishments or writs of suggestion; or • If you give us your written permission. Unauthorized Transfers The provisions of this section that limit a consumer’s liability for unauthorized transfers pertain only to electronic funds transfers that debit or credit a consumer’s checking, savings, or other asset account that is established primarily for personal, family or household purposes, and is subject to the Federal Reserve Board’s Regulation E. Tell us AT ONCE if you believe another person has improperly obtained your Instant Access user ID or password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. To notify us, call Citizens First Bank at 304-273-1100; or write Citizens First Bank 601 Washington St., Ravenswood, WV 26164; or e-mail us at webmaster@cfbwv.com. If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online password without your permission to access an Instant Access deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we can prove we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended. Questions or Error Correction on Instant Access Transactions The provisions of this section that identify specific timeframes for the bank to resolve errors and/or to provisionally credit a consumer’s account pertain only to electronic funds transfers that debit or credit a consumer’s checking, savings, or other asset account that is established primarily for personal, family, or household purposes, and is subject to the Federal Reserve Board’s Regulation E. In case of errors or questions about funds transfers through Instant Access involving a Citizens First account, here is what you should do: Send a secure e-mail to Citizens First Customer Service by selecting the “Email” menu button and provide a clear explanation of the question/problem so we may assist you. Or you may call Citizens First Bank at 304-273-1100; or write us at Citizens First Bank, 601 Washington St., Ravenswood, WV 26164; as soon as you can, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent out the FIRST statement on which the problem or error appeared. • Tell us your name and account number (if any); • Describe the error or transfer you are unsure about; and explain as clearly as you can why you believe it is an error or why you need more information; and • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer was to or from an account within 30 days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer occurred within 30 days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer was to or from an account within 30 days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Change of Name, Address, Telephone Number or E-Mail Address If your name, address, telephone number, or e-mail address ever changes, please notify the Bank at once. Notification should be given in writing.

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