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PEOPLES STATE BANK RETAIL ONLINE BANKING AGREEMENT:

Peoples State Bank Online Banking Enrollment Agreement ("Agreement") governs the use of the Peoples State Bank Online Banking ("PSBOB") service ("Service"). As used in this document, the words "you" and "your" refer to Peoples State Bank's customer(s) and their use of the Service. The words "we" and "our" refer to Peoples State Bank ("PSB"). The words ("PSBOB") refer to Peoples State Bank Online Banking.

INTRODUCTION: This explains the terms and conditions governing the PSBOB offered through PSB. By using this Service, you agree to the terms and conditions of this Agreement. The terms and conditions of the deposit agreements and disclosures for each of your accounts held at PSB as well as any other agreements with PSB, such as for loans, etc., continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement will be governed by and interpreted in accordance with Federal laws and regulations, or to the extent there is no applicable Federal law or regulation, by the laws of the State of Kansas. By accepting below or otherwise using the Service, you agree to use the Service only for bona fide and lawful purposes permitted under this Agreement.

ACCESS: To use this Service, you must have a PSB account, access to Internet services, you must be eighteen (18) years of age or older and a U.S. resident. Your Access ID must be at 6 - 19 characters and lower case with no hyphens or spaces. Passwords must be 8 - 14 characters and a combination of numbers, letters and special characters containing at least one (1) alpha and one (1) numeric number. Please remember that your password is CaSe SensiTive.

E-mail is provided so you can ask questions about your account(s) and for general feedback. E-mail is accessible after you login to PSBOB.

Please be aware that general or public e-mail transmissions are not secure. Therefore, to ensure the security of your account information, you are required to use the secure e-mail within the PSBOB system when asking specific questions about your account(s).

E-mail cannot be used to initiate transactions on your account(s). For banking transactions, you must use the appropriate functions within PSBOB or call your local branch office.

Upon three unsuccessful attempts to use your password your access to PSBOB will be revoked. To re-establish your authorization to PSBOB, to report that your PSBOB password may have been lost or stolen, or to report that someone has transferred or may transfer money from your account without your permission immediately notify any PSB branch by calling (785) 462-2224 or (866) 260-2224 Toll Free.

SECURITY: Your role in preventing misuse of your account(s) is extremely important. Examine your statement promptly upon receipt. If you find that your records and PSB's disagree, immediately call Customer Service or any PSB branch. In addition to protecting your account information, you agree to take precautions to protect your personal identification information, such as your driver's license, social security number, etc. This information by itself or together with information on your account(s) may allow unauthorized access to your account(s). You agree to notify PSB immediately if you believe another person has improperly obtained your password. You also agree to notify us if someone has transferred or you suspect someone may transfer money from your account(s) without your permission, or if you suspect any type of fraudulent activity on your account(s). Only reveal your account number(s) to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). You could lose all the money in your bank account(s), plus your maximum overdraft line-of-credit, if applicable. PSB will not be responsible for losses that may occur.

TRANSFER DISCLOSURE:

A transfer of funds from one account to another account with us may be made by the same person and under the same conditions generally applicable to withdrawals made in writing or in person.

Savings account withdrawal limitations: you may make nine (9) withdrawals from your account each statement cycle. An excessive debit charge of $1.23 will be imposed for each withdrawal in excess of nine (9) per statement cycle.

Savings account limitations on frequency of transfers: transfers from this account to another account or to a third party by preauthorized or automatic transfer, telephone transfer, internet bank transfer or draft is limited to Six (6) per month. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure.

Money Market limitations on frequency of transfers: during any monthly statement cycle, no more than six (6) transfers and/or withdrawals may be made by check, internet bank transfer, draft or similar order to a third party. This also includes to a third party by means of a preauthorized or automatic transfer, telephone order or instructions. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure. Transfers and withdrawals made in person, by messenger, or by mail are unlimited.

A fee of $1.23 will be charged for each transaction (withdrawal, check paid, automatic transfer, internet transfer or withdrawal out of account) in excess of three (3) debits during the period. Fees could reduce the earnings on the account.

SECURITY INFORMATION: (Our Procedures)

Our System utilizes a comprehensive security strategy to protect accounts and transactions conducted over the Internet. In addition to our login security which incorporates multi-factor authentication (i.e. access IDs, passwords, questions, digital security keys or a personal identification number (“PIN”)), we use secure socket layer (“SSL”) encryption technology for everything done in the System.

Your browser automatically activates this technology when it attempts to connect to our System and it will support the 128-bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small padlock icon at the bottom of the screen from open to locked. Your communications are encrypted from your browser to our servers at all times, so no unauthorized party can read the information as it is carried over the Internet. Additionally, our servers have been certified by a "Certificate Authority" to assure you that you are actually talking to our servers instead of someone pretending to be us.

There is a 15-minute default time limit on any screen, regardless of the keystrokes that you use. Under the default time limit, if 15 minutes elapse without you doing anything on the screen, then you will be taken back to the login screen where you will be prompted to re-enter your access ID and password.

Data transferred through the System is encrypted in an effort to provide transmission security. The System utilizes identification technology to verify that the sender and receiver of System transmissions can be appropriately identified by each other.

You agree that these procedures are a commercially reasonable method of providing security against unauthorized payment orders or other transactions and that these procedures are not for detection of errors. We reserve the right to change any process from time to time to implement new measures that are recommended in the industry to respond to new or increased threats.

SECURITY INFORMATION: (Your Obligations)

You understand the importance of your role in preventing misuse of your accounts through the System, and you:

CONSUMER LIABILITY FOR UNAUTHORIZED USE: Your account is a consumer account if it is used primarily for personal, family or household purposes. The following paragraph applies to consumer accounts.

If your statement shows transfers that you did not make, you agree to notify PSB immediately. If you do not notify us within sixty (60) days after the statement was mailed to you, you may be liable as follows: Your liability shall not exceed the sum of (1) the lesser of $50 or the amount of unauthorized transfers that appear on the statement or that occur during the sixty (60) day period, and (2) the amount of unauthorized transfers that occur after the close of the sixty (60) days and before notice to us, and that we establish would not have occurred but for the failure for you to notify us within that time.

SERVICES: Through your online banking, you can manage your personal, sole proprietor, or small business account(s) from your home or office on your personal computer. You can use PSBOB to view account balances and transaction histories, transfer money between your accounts, (as noted in the applicable account deposit agreement and disclosure statement, eStatements, Mobile Banking, Mobile Deposit Capture and/or communicate directly with PSB through e-mail.

BILL PAYMENT SERVICE; POPMONEYSM PAYMENTS SERVICE:

Through your online banking, you may have the ability to access the Bill Payment Service and the PopmoneySM Payments Service. The Payment Services allow you to initiate and receive payments electronically (the Bill Payment Service can be used to initiate payments only) from and to your account(s) with us. Your use of the Payment Services is governed by this Agreement as well as a separate agreement that will be made available to you through the System prior to your initial use of the Payment Services. In the event that any term or condition of this Agreement conflicts with a term or condition of the separate agreement, the term or condition of the separate agreement shall control.

FEES AND CHARGES: Although there are currently no additional fees for accessing your account(s) through PSBOB, there may be charges for selected services such as Bill Pay and PopmoneySM. You agree to promptly pay all fees and charges for services provided under this Agreement and authorize us to charge your designated account or any of your accounts when fees or charges are due. If you do close your designated account, you must notify PSB and identify a new payment account. Additionally, if you close all PSB accounts, you must notify PSB Customer Service to cancel the PSBOB services. You agree to be responsible for any telephone charges or other out-of-pocket expenses incurred or related to this service.

OVERDRAFTS: If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, online banking transfers, bill payments, etc.) requested for a given business day, then certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and the electronic funds transfers initiated through this service may result in overdrawing your account and/or may, at PSB's discretion and without prior notification to you, be canceled. In addition, all overdraft charges that apply will be debited from your account. You also authorize PSB to charge one or all of your accounts to cover uncollected funds or overdrafts in your designated account(s). Refer to our Checking Account Truth in Savings Disclosure for further information.

DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY:

PSB makes no warranty of any kind, expressed or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the PSBOB services provided to you under this Agreement. We do not and cannot warrant that PSBOB will operate without errors or that any or all PSBOB services will be available and operational at all times. Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we, nor the service providers, shall be responsible for any loss, property damage, or bodily injury whether caused by the equipment, software, PSB, Internet browser providers, Internet access providers, online service providers, or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, online financial services, or Internet browser or access software.

YOU’RE RIGHT TO TERMINATE: You may cancel your PSBOB service at any time by providing us with written notice via postal mail or fax. Within three (3) business days of receiving instructions, your access to PSBOB will be suspended. You will remain responsible for all outstanding fees incurred prior to PSB receiving and processing your cancellation. You may also cancel any of your PSBOB services by contacting PSB's Customer Service at (785) 462-2224 in the Colby area, by calling (866) 260-2224 Toll Free, or sending cancellation instructions in writing to Peoples State Bank, PO Box 869, Colby KS 67701. Attention Peoples State Bank Online Banking Customer Service.

OUR RIGHT TO TERMINATE: Your online banking access may be canceled by PSB at any time, without prior notice and for any reason. After cancellation, online banking services may be reinstated at PSB's discretion. If you do not access your PSB account(s) through PSB for a six-month period, PSB reserves the right to disconnect your service without notice.

To reinstate your service, you will need to complete the enrollment process again.

COMMUNICATIONS WITH PEOPLES STATE BANK:

Telephone: You can contact us by telephone at (785) 462-2224 in the Colby area, or (866) 260-2224 Toll Free. In the McDonald area call (785) 538-2224, or (866) 538-2224 Toll Free. In the Hoxie area call (785) 675-2224, or (866) 675-2224 Toll Free. In the Goodland area call (785) 890-2224. In the Oakley area call (785) 672-4448.

Facsimile: Colby fax (785) 462-2384, McDonald fax (785) 538-2568, or Hoxie fax (785) 675-3900, Goodland fax (785) 890-0111, Oakley fax (785) 672-0012.

Postal Mail: You can write to us at Peoples State Bank, PO Box 869, Colby KS 67701. Attention PSB Online Banking Service.

In Person: Please visit us at any of our locations.

CONSENT TO ELECTRONIC DELIVERY OF NOTICES: By accepting below or otherwise using this service, you also agree that any and all disclosures and communications regarding the service between you and PSB, including this Agreement, may be made electronically by posting to the PSB website in accordance with applicable law. Any electronic disclosure or communication we make will be considered made when transmitted by PSB, and any disclosure or communication we make by posting to our website will be considered made when posted by PSB.

EXCEPT AS SPECIFIED ABOVE OR AS MAY OTHERWISE BE PROVIDED BY LAW, PSB SHALL HAVE NO LIABILITY FOR ANY ACT OR OMISSION IN CONNECTION WITH THE SERVICE, AND PSB'S CUMULATIVE LIABILITY IN ANY ONE CALENDAR YEAR, SHOULD IT BE FOUND TO EXIST NOT-WITHSTANDING THIS PROVISION, SHALL NOT EXCEED THE FEES YOU HAVE PAID FOR THE SERVICE IN THAT CALENDAR YEAR. PSB HEREBY DISCLAIMS, FOR ITSELF AND/OR ANY OTHER ENTITY INVOLVED IN THE PROVIDING OF THIS SERVICE, ALL WARRANTIES, EITHER EXPRESSED, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR LACK OF VIRUSES. IN NO EVENT SHALL PSB OR ANY OTHER ENTITY INVOLVED IN THE PROVIDING OF THE SERVICE BE LIABLE FOR (1) DAMAGES CAUSED OTHER THAN BY ITS OWN GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT, OR (2) INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES.

BY CLICKING THE "I AGREE" BUTTON, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. YOU ALSO AUTHORIZE PSB TO SEEK INFORMATION ABOUT YOU FROM OTHERS, FOR EXAMPLE A CREDIT BUREAU, IN CONNECTION WITH THE OPENING AND MAINTAINING OF YOUR ACCOUNT(S).

IF YOU DISAGREE, END YOUR ACCOUNT APPLICATION PROCESS NOW. YOU MAY NOT MAKE CHANGES TO THIS AGREEMENT. IF YOU DO SO, THE AGREEMENT WILL NO LONGER BE IN EFFECT, AND YOUR PSBOB ACCESS WILL BE CANCELED.

ANY UNAUTHORIZED ACCESS OR USE OF THE PEOPLES STATE BANK WEBSITE CONSTITUTES A CRIME THAT IS PUNISHABLE BY FEDERAL LAWS.

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