Disclosures

As a First Federal customer, your privacy and security are our highest priority. We also follow all the state and federal guidelines for your protection. Explore the disclosure statements to find out your responsibilities, our responsibilities, and how we protect you.

Visit our Security pages to learn how you can protect yourself by recognizing, preventing, and reporting fraudulent activity.

Equal Housing Opportunity Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

We do business in accordance with Federal Fair Lending Laws

Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.

If you believe you have been discriminated against, you should send a complaint to:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, D C 20410

Under the Equal Credit Opportunity Act, It Is Illegal To Discriminate In Any Credit Transaction:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right has been exercised under the Consumer Credit Protection Act.

If You Believe You Have Been Discriminated Against, You Should Send A Complaint To:

Texas Department of Savings and Mortgage Lending
2601 North Lamar Boulevard, Suite 201
Austin, Texas 78705-4294
Telephone No.: (877) 276-5550
Fax No.: (512) 475-1505

As a commercial bank, the primary function of this institution is to make loans that are mutually beneficial to the bank and the bank's customers. As a part of this function, it is the general purpose of management of this bank to grant all the sound short-term local loans which resources permit and opportunity affords.

This bank does not and will not practice "red-lining". That is, loans will not be denied based on location in a particular area within our trade area. Rather, each loan will be evaluated on sound credit factors.

It is the policy of this bank to rigorously adhere to both the letter and spirit of the laws pertaining to the extension of credit and the regulation of banking. Examples of consumer laws include Truth in Lending, Fair Credit Reporting and Equal Credit Opportunity.

The bank shall not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, physical condition, handicap, familial status, developmental disability or age (provided the applicant has the capacity to contract), or because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The bank will notify applicants of action taken on their applications; report credit history in the names of both spouses on an account; retain records of credit applications; and collect information about the applicant's race and other personal characteristics in applications for certain dwelling loans.

1. General

This Online Banking Agreement ("Agreement") for accessing your First Federal Community Bank, SSB account(s) via the Internet explains the terms and conditions governing First Federal Community Bank FirstACCESS Online Banking and other banking services offered through First Federal Community Bank (collectively, "Online Banking" or "FirstACCESS"). By using Online Banking you agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent there is no applicable federal law or regulation, by the laws of the State of Texas. The terms "our", "we", "us", "First Federal Community Bank", and "Bank" refer to First Federal Community Bank. "You" refers to each signer on an account. The term "business day" means Monday through Friday, excluding Federal banking holidays.

Online Banking can be used to access products and accounts made available by First Federal Community Bank. Each of your accounts is also governed by the applicable account disclosure statement.

WAIVER OF REQUIREMENT FOR TWO SIGNATURES: Principles recognize that any requirement of verifying two signatures on checks, if such a requirement exists, does not apply to electronic or telephone transfers, including Online bill payments, and release Bank from liability when making such transfers or payments. This means that any person who is authorized to act as a signer on your account shall be authorized by you to individually make electronic or telephonic transfers, including Online bill payments from your account, even though that person's authority to transfer or withdraw funds from your account by some other means (e.g., by check) must be exercised jointly with one or more other persons.

2. Protecting Your Account

Notify us at once if you believe another person has improperly obtained your FirstACCESS Online Banking password. Also notify us if someone has transferred or you think someone may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. To notify us, call First Federal Community Bank at (903) 784-0881, e-mail us at websupport@ffcbank.com, or write to:

First Federal Community Bank, SSB
Customer Service
630 Clarksville St.
P.O. Box 370
Paris, TX 75461-0370

A. Your Liability

If your FirstACCESS Online Banking password has been compromised and you tell us within two (2) business days after learning of the loss or theft, and cooperate fully with any prosecution related to the incident, you can lose no money, if someone used your password without your permission to access a First Federal Community Bank deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $50 of the disputed amount. If your monthly statement shows withdrawals, transfers or purchases that you did not make or authorize, you must notify us at once. If you do not notify us within sixty (60) days after the account transaction detail information was transmitted or 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 there are extenuating circumstances that kept you from telling us, the time periods in this section may be extended.

B. Preventing Misuse

It is extremely important that you take an active role in the prevention of any wrongful use of your account. If you find that your records do not agree with ours, you must immediately call First Federal Community Bank at (903) 784-0881. Protect Your Password - The password that is used to gain access to FirstACCESS Online Banking should be kept confidential at all times. For your protection we recommend that you change your password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify First Federal Community Bank at once.

3. Your Right to Stop Payments

A. Rights and Procedures to Stop Payment by Check

You may issue a stop payment against any check number or range of check numbers. The stop payment will be effective for six (6) months from the date it is created. You may stop a payment in the Customer Service area of the FirstACCESS Online Banking web site, through FirstACCESS Telephone Banking system, or through a telephone call to a Customer Service Representative at your local Banking Center. If you request the stop payment by telephone, we may also require you to put your request in writing and submit it to us within 14 days after you call. If we ask for a written request but are not provided it within the 14 day period, the stop payment may be released. We will charge you our regular stop payment fee for each stop payment order you give; this fee will be charged in accordance with the current fee schedule. Do not write or e-mail these requests to us since they may not be received by us in time.

NOTE: There are a number of merchants and businesses which have begun to convert checks into electronic items, which are cleared in an entirely different manner than normal checks. To understand how to stop these items, please see Section B. Rights and Procedures to Stop

Payment by ACH Item below.

The following information will be required to complete each stop payment request:

• Account Number
• Payee
• Amount
• Item Reference Number
• Reason for the Stop Payment

B. Rights and Procedures to Stop Payment by ACH Item

The term "Automated Clearing House" is an entity that operates as a clearing house for electronic Debit or Credit entries pursuant to an agreement with an association that is a member of the National Automated Clearing House Association. Items passing through this system of disbursement and collection are referred to as ACH items.

We ask you to come into or one of our Banking Centers, where an affidavit will be required to stop any ACH item. We will require the name of the company, the amount and scheduled date of the transaction. All of this information should be provided in a timely manner so First Federal Community Bank may be prepared for the transaction. FirstACCESS Remote Banking Services may not be used to stop ACH items.

4. Bank's Liability

A. Failure to Make Stop Payments

If you order us to stop one of these payments according to the limitations listed above in Section 3 and we do not do so, we will be liable for your losses or damages up to the value of the payment.

B. Failure to Make Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages up to the value of the transfer. However, there are some exceptions. 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 the transfer will go over the credit limit on your Overdraft Agreement;
• If the system was not working properly;
• If there is a dispute about the amount to be paid or transferred, or we have been legally ordered to pay to or hold the money in your account for someone else;
• If a withdrawal would consist of money deposited in the form of a check or other order and is not yet available for withdrawal;
• If you have told us that your PIN was lost or stolen;
• If, in the case of a preauthorized credit or debit to your account, a third party does not send your money to us on time or does not send us the correct amount, or we do not have the required authorization to perform the transaction;
• If circumstances beyond our control (such as fire, flood, or natural disaster) prevent the transfer, despite reasonable precautions and efforts we have taken; or
• Other exceptions as may be stated in our stop-payment agreement with you.

5. Accessing Your First Federal Community Bank Accounts

A. Requirements

To access your account(s) through the Internet, you must have Internet access, have an eligible First Federal Community Bank account, enroll in FirstACCESS Online Banking by agreeing to the Internet Account Access Agreement, and have an Internet password. In addition, you will need the required secure, Internet browser software as defined by the Bank.

B. New Services

First Federal Community Bank may, from time to time, offer and introduce new Internet services. The Bank will notify you of the existence of these new products and services. By using these services when they become available, you agree to be bound by the rules, which will be communicated to you, concerning these services.

C. Fees

FirstACCESS Online Banking with Bill Pay is offered as a free service to our customers; however, there are additional features and services, such as, but not limited to Business Banking, Stop Payments, etc., the use of which may incur fees, are outlined expressly in documentation received at the opening of the account and also apply to transactions conducted over the FirstACCESS Online or Telephone Banking products

6. Terms and Conditions

The first time you access your First Federal Community Bank account(s) through the Internet confirms your agreement to be bound by all of the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure.

A. Your User Name and Internet Password

You will be given an initial Internet password for FirstACCESS Online Banking. The first time you access your First Federal Community Bank account(s) you will be forced to select a new password. We recommend that you change your password regularly. Do not use numbers that are easily associated with you, such as your telephone number, address or birth date as your password. You are authorizing First Federal Community Bank to act on instructions received under your login name and password. You are responsible for keeping your user name, password, account number(s) and other account data confidential at all times. First Federal Community Bank will not, at any time, ask for your Internet password. If anyone calls and requests this information do NOT give it to them and contact the Bank immediately.

B. Our Liability

Except as specifically provided for in this Agreement or where the law requires a different standard, you agree that neither the Bank nor its Internet Service Provider shall be responsible for any loss, property damage or bodily injury, whether caused by the Bank, equipment, software, or Internet access providers or any agent or subcontractor of any of the foregoing. Nor shall the Bank or its Internet Service Providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way from the installation, use or maintenance of the equipment, software or Internet browser or access software.

C. Changes to Fees or Other Terms

We reserve the right to change the fees or other terms described in this Agreement. However, when changes are made to any fees, we will notify you on-line, or will send a notice to you at the address shown on our records. All notices will be sent at least thirty (30) days in advance of the effective date of the change, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with written or electronic notice within thirty (30) days in advance of the change. By continuing to use the accounts or services to which these changes relate, you are accepting the changes. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure Statement.

D. Disclosure of Account Information

You authorize the Bank to disclose to select third parties about your account or the transactions you make:

When necessary for completing transactions;

• In order to verify the existence and condition of your account for a third party, such as a credit bureau, or merchant;
• In order to comply with government agency or court orders, or to give information to any government entity having legal authority to request such information; or
• If you give us permission.

E. Other General Terms

In addition to this Agreement, you agree to be bound by and will comply with the requirements of the applicable Account Disclosure Statement, the Bank's rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and all applicable State and Federal laws and regulations. The Bank also agrees to be bound by them. The Bank reserves the right to terminate this Agreement and your access to Online Banking in whole or in part, at any time without prior notice.

The Internet is a global network of telecommunications links allowing computers to exchange data with other computers. You understand First Federal Community Bank is providing FirstACCESS Online Banking as a free service to customers who have access to the Internet. Connectivity to the Internet is a requirement of FirstACCESS Online Banking and can be purchased from an assortment of public and private companies. You agree to be responsible for providing your own connection to the Internet and will be responsible for any fees related to your Internet connection.

7. Bill Payer Service

As part of the FirstACCESS Online Banking, you can schedule payment of your periodic bills. You can arrange for the payment of current, future and recurring bills from your First Federal Community Bank "checking account". There is no limit to the number of payments that may be authorized. You may pay any merchant or individual approved by First Federal Community Bank. By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instructions to these payees/merchants that you provide through Online Banking. When we receive a payment instruction (for current or future date), we will remit funds to the payee on your behalf, from your designated checking account, on the day you have instructed the payment to be sent (Payment Date). However, we shall not be obligated to make any such payment unless your account and/or overdraft protection plan has sufficient funds or credit availability to pay the bill on the Payment Date. You must have the funds on account before the end-of-business one business day prior to the Send Date.

Any payments made through Bill Payer require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment far enough in advance of the due date of your payment. First Federal Community Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, First Federal Community Bank will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. First Federal Community Bank will not be liable for delays or losses of payments caused by the U.S. Postal Service or other delivery service. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. First Federal Community Bank will not be liable for bill payments not completed due to circumstances beyond our control (such as fire, telecommunication outages, strikes, or natural disasters). First Federal Community Bank will not be liable for indirect, special, or consequential damages arising out of the use of Bill Payment. First Federal Community Bank will not be liable if a payee will not accept payments made through Bill Payer.

First Federal Community Bank reserves the right to terminate your use of Bill Payer at any time without prior notice.

Bill Payer Fees

FirstACCESS Online Banking with Bill Pay is offered as a free service to our customers; however, there are additional features and services, such as, but not limited to Business Banking, Stop Payments, etc., the use of which may incur fees, are outlined expressly in documentation received at the opening of the account and also apply to transactions conducted over the FirstACCESS Online or Telephone Banking products.

Bill Payer - Stop Payments and Modified Requests

To stop payment of a Bill Payer item after it has been disbursed, you are required - prior to the item being presented for payment – either through the Stop Payment area of our website or by contacting a Customer Service Representative at your First Federal Banking Center. If you call, we may also require you to put your request in writing and submit it to us within 14 days after your call. We will charge you our regular stop payment fee for each stop payment order you give; this fee will be charged in accordance with our current fee schedule. The following information will be required to complete each stop payment request:

• Account Number
• Payee
• Amount
• Payment Date
• Reason for the Stop Payment

I acknowledge and agree to the terms and conditions listed within this document and request this service to be activated upon the selected checking account.

8. Other Information

A. Balance Inquiries and Transfers

You may use FirstACCESS Online Banking to check the balance of your accounts and to transfer funds among each of your eligible accounts. To initiate any transactions, you must first use your user name and password to obtain access to the Service. The balance shown may include deposits still subject to verification by us. The balance shown also may differ from your records because it may not include deposits in progress, outstanding checks, other withdrawals, or charges. Funds transfer requests may be made 24 hours per day, but those initiated during nightly processing may not result in immediate funds availability until after nightly processing has concluded. When a transfer is attempted during this period of time, the service should suggest you check later to determine whether the transfer actually occurred. If there are insufficient available funds in the account from which you are requesting a transfer, the transfer will not be initiated. For monetary transfers, you must have some form of ownership on the accounts.

B. Statements

All of your payments and funds transfers will appear on your monthly account statement(s).

C. Equipment

We are not responsible for any loss, damage or injury related to or caused by any use, misuse or failure of your equipment. Neither are we responsible for any loss, damage or injury related to or caused by any deficiency, malfunction or failure of your software, hardware or Internet connection.

D. Business Days/Hours of Operation

Our business days are Monday through Friday, except legal bank holidays. FirstACCESS Online Banking is available 24 hours a day, seven days a week, except during maintenance periods for scheduling, modification, or for review of funds transfers and balance inquiries.

E. Electronic Mail (E-mail) & Feedback Forms

Please be aware that Internet e-mail is neither secure nor private. Please do not e-mail account numbers, user names, passwords or other sensitive data.

Electronic feedback forms have been provided for you to ask questions or give comments about your account(s). These forms are accessible on the web site in the customer service section after you sign on with your password. To ensure the security of your information, we recommend you use only these forms when asking specific questions about your account(s).

You cannot use e-mail messages or feedback forms to initiate transactions on your accounts. For transactions, please use the appropriate functions within the secure web site, or contact the Banking Center nearest you.

9. Error Resolution Notice

A. Contact Information

In case of error or questions about your electronic transactions contact us through feedback in the customer service section of the web site, by telephone at (903) 784-0881 or write to: First Federal Community Bank, P.O. Box 370, Paris, TX 75461-0370. You may also e-mail us at websupport@ffcbank.com - but please be aware that Internet e-mail is neither secure nor private. Please do not e-mail account numbers, user names, passwords or other sensitive data. Contact us 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 you the FIRST statement in which the problem or error appeared.

1. Tell us your name and account number.
2. Describe the error or the 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. (suspected the of amount dollar us)

We will investigate whether an error occurred within 10 banking days (5 banking days for Visa-branded card point-of-sale transactions and 20 banking days if the transfer involved a new account) 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 involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 banking days (5 banking days for Visa-branded card point-of-sale transactions and 20 banking days if the transfer involved a new account) 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 banking days, we may not credit your account as described above.

Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will inform you of the results within 3 banking days after completing our investigation. If we decide that there was no error, we will send you a written explanation and reverse the credit described above. You may ask for copies of the documents that support our investigation.

Financial Privacy Statement

Our Commitment to Financial Privacy
First Federal Community Bank ("we" and "us") is committed to carefully guarding the private information you entrust to us. This statement in this notice applies to current as well as our former customers.

Financial Privacy
This section is intended to describe how we collect, maintain and disclose customer information and how you can choose how information about you is used by us. This notice may be amended from time to time. The most current version of our privacy policy may always be found at https://www.ffcbank.com/privacy-policy We may collect the following:

• Information we receive from you on applications or other forms;
• Information about your transaction with us or others; and
• Information we receive from consumer reporting agencies.

We do not disclose any non-public personal information about you to anyone except as permitted by law.

Non-public personal information
means information about you that we collect in connection with providing a financial product or services to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

If you should close your account or become an inactive customer, we still adhere to the privacy policy and practices as described in this notice.

We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Web Site Privacy Policy

First Federal Community Bank respects your privacy. We collect and use information about visitors to our web site for statistical and/or security purposes to help us maintain a secure and effective site, to facilitate transactions our users initiate, to respond effectively to their inquiries and to advise them of other ways we can be of assistance. Information collected on our web site is not made available to third parties that have no directly relevant business relationship with First Federal Community Bank. First Federal Community Bank prohibits the unauthorized use by our employees of information collected about our customers generally and we require that authorized third parties to whom we provide information use such information solely for its intended business purpose and for no other purpose. The most current version of our privacy policy may always be found at https://www.ffcbank.com/privacy-policy

Collection and Use of Personally Identifying Information
With respect to our web site, First Federal Community Bank may ask for your address, phone number and/or e-mail address when you place a request for services; when you participate in one of our online services; or for other legitimate business purposes. In each case, our objective is to gather sufficient information about you so that we can serve you effectively. We may use personally identifying information to provide you with updates and other information about First Federal Community Bank and our services that we think may be of interest to you.

Collection and Use of Technical Information about Internet Connections
First Federal Community Bank and its web hosting company, acting as the Bank's agent, collect and store technical information about your visit to our web site. We use this information for security and statistical purposes to make our site more secure and useful to visitors and the information we collect is not provided to any other third party. Specifically, we may record:

• The name of the domain from which you access the internet.
• The internet address of the web site from which you linked directly to our site, if any.
• The type of web browsing software and operating system you are using to view our site.
• The date and time you access our site.
• The amount of time you spend on the site.
• Historical and security data concerning account access and/or transactions

Some parts of the First Federal web site may use a "cookie," which is a file placed on your computer hard drive, that allows the First Federal web server to log the pages you use in the First Federal site and to determine if you have visited the site before. The First Federal server uses this information to provide certain features during your visit to the web site. You can set your browser to warn you when a placement of a cookie is requested and decide whether or not to accept it. By a rejecting a cookie, some of the features available on the site may not function properly.

Use of Electronic Mail (E-mail) Services
With respect to your use of electronic mail in communicating with us, you may choose to tell us your name and address or other personally identifying information when you submit an electronic message. We use that information only to respond to your request. Please be aware that Internet e-mail is neither secure nor private. Please do not e-mail account numbers, user names, passwords or other sensitive data.

Security Considerations for Online Banking Customers
When sending sensitive information to First Federal, we remind you that e-mail messages are not secure against interception. While we take steps to ensure the confidentiality and security of information you provide to us, the most secure electronic communications may be conducted through our web site. With respect to inquiries and transactions through the secure web site, they are transmitted via an SSL secure server, the industry standard for such transactions. Nonetheless, you always have the option of sending written messages by United States mail or otherwise to First Federal Community Bank, PO Box 370, Paris, Texas 75461-0370.

Contacting First Federal about Online Banking Issues
If you are concerned about how information about you may have been used in connection with this web site, or have questions about this privacy policy, you should contact in writing: First Federal Community Bank Webmaster, First Federal Community Bank, PO Box 370, Paris 75461-0370 or E-Mail websupport@ffcbank.com.

Fair Lending Policy

As a commercial bank, the primary function of this institution is to make loans that are mutually beneficial to the bank, its stockholders, and the bank's customers. As a part of this function, it is the general purpose of management of this bank to grant all the sound short-term local loans which resources permit and opportunity affords.

This bank does not and will not practice "red-lining". That is, loans will not be denied based on location in a particular area within our trade area. Rather, each loan will be evaluated on sound credit factors.

It is the policy of this bank to rigorously adhere to both the letter and spirit of the laws pertaining to the extension of credit and the regulation of banking. Examples of consumer laws include Truth in Lending, Fair Credit Reporting and Equal Credit Opportunity.

The bank shall not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, physical condition, handicap, familial status, developmental disability or age (provided the applicant has the capacity to contract), or because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The bank will notify applicants of action taken on their applications; report credit history in the names of both spouses on an account; retain records of credit applications; and collect information about the applicant's race and other personal characteristics in applications for certain dwelling loans.

Fair Housing Act

Equal Housing Opportunity Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

As part of the FirstACCESS Online Banking, you can schedule payment of your periodic bills. You can arrange for the payment of current, future and recurring bills from your First Federal Community Bank "checking account". There is no limit to the number of payments that may be authorized. You may pay any merchant or individual approved by First Federal Community Bank. By furnishing us with the names of your payees/merchants and their addresses, you authorize us to follow the payment instructions to these payees/merchants that you provide through Online Banking. When we receive a payment instruction (for current or future date), we will remit funds to the payee on your behalf, from your designated checking account, on the day you have instructed the payment to be sent (Payment Date). However, we shall not be obligated to make any such payment unless your account and/or overdraft protection plan has sufficient funds or credit availability to pay the bill on the Payment Date. You must have the funds on account before the end-of-business one business day prior to the Send Date.

Any payments made through Bill Payer require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment far enough in advance of the due date of your payment. First Federal Community Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, First Federal Community Bank will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. First Federal Community Bank will not be liable for delays or losses of payments caused by the U.S. Postal Service or other delivery service. We will also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if any part of the electronic funds transfer system is not working properly. First Federal Community Bank will not be liable for bill payments not completed due to circumstances beyond our control (such as fire, telecommunication outages, strikes, or natural disasters). First Federal Community Bank will not be liable for indirect, special, or consequential damages arising out of the use of Bill Payment. First Federal Community Bank will not be liable if a payee will not accept payments made through Bill Payer.

First Federal Community Bank reserves the right to terminate your use of Bill Payer at any time without prior notice.

Bill Payer Fees

FirstACCESS Online Banking with Bill Pay is offered as a free service to our customers; however, there are additional features and services, such as, but not limited to Business Banking, Stop Payments, etc., the use of which may incur fees, are outlined expressly in documentation received at the opening of the account and also apply to transactions conducted over the FirstACCESS Online or Telephone Banking products.

Bill Payer - Stop Payments and Modified Requests

To stop payment of a Bill Payer item after it has been disbursed, you are required - prior to the item being presented for payment – either through the Stop Payment area of our website or by contacting a Customer Service Representative at your First Federal Banking Center. If you call, we may also require you to put your request in writing and submit it to us within 14 days after your call. We will charge you our regular stop payment fee for each stop payment order you give; this fee will be charged in accordance with our current fee schedule. The following information will be required to complete each stop payment request:

• Account Number
• Payee
• Amount
• Payment Date
• Reason for the Stop Payment

This Mobile Deposit Agreement ("Agreement") contains the terms and conditions for the use of First Federal Community Bank, SSB ("the Bank") Mobile Check Deposit and/or other remote deposit capture services that the Bank or its affiliates ("First Federal Community Bank, SSB", "us," or "we") may provide to you ("you," or "User"). Other agreements you have entered into with the Bank as applicable to your Bank account(s) are incorporated by reference and made a part of this Agreement.

1. Services. The mobile remote deposit capture services ("Services") are designed to allow you to make deposits to your checking, savings, or money market deposit accounts from remote locations by scanning checks or taking pictures with mobile devices and delivering the images and associated deposit information to the Bank or the Bank's designated processor.

2. Acceptance of these Terms. Your use of the Services constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change via email, or on our website (www.ffcbank.com) by providing a link to the revised Agreement or by an online secure message. The current agreement will always be accessible in the Mobile Deposit Area. Your acceptance of the revised terms and conditions along with the continued use of the Services will indicate your consent to be bound by the revised Agreement. Further, the Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.

3. Limitations of Service. When using the Services, you may experience technical or other difficulties. We will attempt to post alerts on our website to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

4. Hardware and Software. In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by the Bank from time to time. See www.ffcbank.com for current hardware and software specifications. The Bank is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

5. Fees. A fee may be charged for the Service. You are responsible for paying the fees for the use of the Service. Any fee that is charged will be disclosed prior to your deposit. The Bank may change the fees for use of the Service at any time pursuant to the section titled "Acceptance of these Terms" above. You authorize the Bank to deduct any such fees from any account in your name. Fees will not be charged during the free trial period or other promotional campaigns.

6. Eligible items. You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to the Bank is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

7. Ineligible Items for Deposits. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

• Any third party check, i.e., any item that is made payable to another party and then endorsed to you by such party.
• Any item drawn on the account receiving the deposit.
• Any item that contains evidence of alteration to the information on the check.
• Any check previously converted to a substitute check, as defined in Regulation CC.
• Any item issued to you by a financial institution in a foreign country.
• A remotely created check.
• Any item that is stale dated, expired, or post-dated.
• Any item that is non-negotiable (whether stamped in print or as a watermark).
• Any item that has been re-deposited or returned such as Non-Sufficient Funds or Refer to Maker or returned for any other reason.
• Any item that is incomplete.
• Any item which is not payable to an owner of the account receiving the deposit.
• Cash.
• Savings Bonds.

Deposits of this nature are grounds for the immediate termination of the Services and an immediate reversal of the transaction or credit to your account. A reversal means the amount of the item(s) deposited will be removed from your account and will reduce your account balance. The reversal may also result in a negative balance on your account.

8. Check Requirements. You agree to sign and restrictively endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY" or as otherwise instructed by the Bank. You agree to follow any and all other procedures and instructions for use of the Services as the Bank may establish from time to time. The scanned image of the check transmitted to us using the Services must accurately and legibly provide, among other things, the following information: (1) your endorsement; (2) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (3) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established from time to time by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve Board, including the requirements under federal Regulation CC, or any other regulatory agency, clearinghouse or association. The Service may reject your deposit if the image is not satisfactory. Receipt of the image does not guarantee we can accept the image.

9. Receipt of Items. Upon receipt of the digital image, we will review the image for acceptability before accepting a deposit. You understand and agree that receipt of an image does not occur until after we notify you of receipt of the image by a confirmation screen upon the conclusion of your transaction. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that we are responsible for any information you transmit to us. We are not responsible for any image that we do not receive. Following receipt of the image, we will process the image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your account and, in the event we reject an item for remote deposit, you understand and agree that you may have to deposit the original item in person at the Bank. You understand and agree that even if we do not initially reject an item you deposit through the Services, we may ask you to provide the original item, because, among other reasons, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not limit your liability to us. You understand that any amount credited to your account for each item deposited using the Services is a provisional credit subject to the uncontested collection of funds represented by the item and you agree to indemnify us against any loss we suffer because of our acceptance of the remotely deposited check.

10. Availability of Funds. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, federal holidays, and local holidays observed by the Bank. If you submit an item before cut-off time, 4:00 pm Central, on a business day that we are open and if after review we accept your item for deposit, we will consider that day to be the day of your deposit. However, if you submit an item after cut-off time or on a non-business day, we will consider that the deposit was made on the next business day we are open to review and accept the deposit. You understand that following our receipt and processing of the image, funds from the check will be made available for your withdrawal and/or use on the same business day after we accept your deposit; however, longer delays may apply. You also understand that credit is provisional until settlement is final. Refer to your account disclosure for complete information on funds availability.

11. Retention and Disposal of Transmitted Items. Upon your receipt of a confirmation from the Bank that we have accepted the item for deposit, you agree to prominently mark the item as Electronically Presented and the Date to ensure that it is not re-presented for payment at the Bank or elsewhere.

• You agree to securely store each original check that you deposit using the Services for a period of at least sixty (60) days after transmission to us. After sixty (60) days and no later than ninety (90) days after you transmit the original check, you will destroy the original check beyond any recovery of writing or banking information from the item.
• You agree never to re-present the check for deposit.
• You understand and agree that you are responsible for any loss caused by your failure to secure the original checks.
• You will promptly provide any retained check, or a sufficient copy of the front and back of the check, to the Bank as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check, or for our audit purposes. If you are unable to provide a sufficient copy of the front and back of the check you will be liable for any unresolved claims by third parties.

12. Deposit Limits. We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current daily dollar limit is $2,000.00 per banking day for personal banking clients and $4,000.00 per banking day for commercial banking clients. In addition, the current monthly dollar limit is $10,000.00 per any 30 rolling calendar day period for personal banking clients and $20,000.00 per any 30 rolling calendar day period for commercial banking clients. There is no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded. Daily and monthly deposit limits may vary for users of other services with the Bank.

13. Errors. You agree to notify the Bank of any suspected errors regarding items deposited through the Services right away, and in no event later than 60 days after the applicable account statement is sent. Unless you notify the Bank within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against the Bank for such alleged error.

14. Errors in Transmission. By using the Services, you accept the risk that an item may be intercepted or misdirected during transmission. The Bank bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.

15. User Warranties and Indemnification. You make the following warranties and representations with respect to your use of the Services and each image of an original check you transmit to us using the Services:

• Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
• The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.
• Each check that you submit to the Bank for deposit will not be resubmitted or presented in any other way for payment and will not cause the same drawer's account to be debited twice.
• Other than the digital image of an original check that you remotely submitted through the Services, there are no other duplicate images of the original check.
• Each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.
• You have not knowingly failed nor will fail to communicate any material information to us.
• You will not use the Services and/or your accounts for any illegal activity or transactions.
• You will maintain the privacy of your online credentials. You will not provide your login, password or other online information to any other person and will notify the bank immediately if you suspect or know another party has your login or password.
• Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

You understand and agree that you are required to indemnify us and hold us harmless against any and all claims, actions, damages, liabilities, costs and expenses, including reasonable attorneys' fees and expenses, arising out of your use of the Services and/or breach of this Agreement. You understand and agree that this paragraph shall survive termination of this Agreement.

16. Cooperation with Investigations. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, suspected fraud, resolution of customer claims, or any other reason, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

17. Termination. You may, by written request, terminate the Services provided for in this Agreement. We may terminate your use of the Services at any time. In the event of termination of the Services, you will remain liable for all transactions performed on your account.

18. Enforceability. We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

19. Ownership & License. You agree that the Bank retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your privilege to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to the Bank's business interest, or (iii) to the Bank's actual or potential economic disadvantage in any aspect. You may use the Services only in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.

20. DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.

21. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF FIRST FEDERAL COMMUNITY BANK, SSB, HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

As a privilege, First Federal Community Bank offers this Person-to-Person "Pay a person" payment service to send domestic payments to private individuals by simply using an email address. To protect you and the bank, we require you to password protect the transfer. You should provide the password to the payee personally.

An email will be sent to the address you provide for the payee during payment creation. It will include a hyperlink which will direct the recipient to our website where the necessary banking information can be provided online to complete the transfer. The payee will be responsible for providing the correct bank routing number and personal account number. You will not have any access to their banking information.

Once the claim has been made online, the transfer will withdraw funds from your account. The money will be processed through the ACH network and could take up to two banking days to arrive.

This consumer service is intended to send between $5-$500 dollars to a friend, family member or another private individual. While it can be used for personal debts, it should not be used as a Bill Pay system or for commercial purposes. Doing so may result in the revocation of your access to this product due to additional requirements under NACHA rules for business. If you need a commercial ACH origination solution, please contact your Customer Service Representative at the nearest banking center to discuss our Business Banking Products.

The bank reserves the right to revoke this privilege without notification at any time.

First Federal Community Bank, SSB, offers this Person-to-Person "Pay a person" payment service to send domestic payments to private individuals by simply using an email address. As the Payee or Recipient you may claim a transfer made to you by providing your bank routing number and your account number. Your banking information is generally found on the bottom of your checks. You will also need the password provided you by the Sender.

The money will be processed through the ACH network and could take up to two banking days to arrive. If you have questions about this transaction, please contact the Sender directly.

To proceed you must agree that your will be responsible for any errors in the data you provide which directly leads to a misapplication of funds, including the transmission to the wrong bank or account.

The words "we", "us", and "our" refer to First Federal Community Bank, SSB, and the words "you" and "your" mean you, the individual(s) or entity identified on the account(s). As used in this Agreement, "Account" means the account you hold with us. "Communication" means any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service or account, including but not limited to information that we are required by law to provide to you in writing.

Pursuant to the federal Electronic Signatures in Global and National Commerce (ESIGN) Act, we must obtain your consent prior to delivering legal disclosures to you in electronic format. Additionally, we wish to inform you of your rights as follows:

Note: It is highly recommended that you carefully read this disclosure in its entirety and save a copy for your personal records.

1. Scope of Communications to be Provided in Electronic Form

You agree that we may provide you with any Communications that we may choose to make available in electronic format, to the extent applicable by law, and that we may discontinue sending paper Communication to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and communications associated with the opening of an account and products or services available through Online Banking. As an example, First Federal Community Bank, SSB, may choose to send by e-mail legally required notification of changes to terms and conditions related to Online Banking.
• Notices and disclosures about a change in the terms of your Account or associated payment feature and responses to claims
• Privacy policies and notices
• Monthly (or other periodic) billing or account statements for your account(s) or such other Communication that we may include from time to time as part of the enrollment in the E-Statement program.

2. Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided by access to a web site that we designate, in an e-mail notice we send to you at the time the information is available. Electronic Statements and other Communication notification will be delivered to the e-mail address provided at the time of enrollment, advising you of the availability and the web site where you can access your Communications.

3. Change in E-Mail Address

If the e-mail address where you receive notifications for eStatements and other electronic Communication availability should change, you are responsible for logging into your web account and changing your address to the new email address. If that is not possible, please contact the bank immediately at 903-784-0881 to ensure that you receive proper notification from us regarding your electronic Communications.

4. How to Withdraw Consent

You or the bank may terminate the electronic delivery of Communications at any time for no fee. You may withdraw consent to receive Communications in electronic form by calling us at 903-784-0881; or mailing notice to:

First Federal Community Bank, SSB
PO Box 370
Paris, TX 75461-0370

At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. After you withdraw consent to receive periodic statements electronically, you will begin to receive paper statements within two (2) statement cycles.

If you request to withdraw consent to receive electronic Communications, including eStatements for your Certificate of Deposit account(s) opened online, your account will be terminated and a check for the current balance, plus accrued interest, will be mailed to the address on file.

If you request to withdraw consent to receive electronic Communications, including eStatements for any savings or transaction accounts (i.e. Savings, checking, money market) opened online, a monthly service charge fee (See Fees and Common Features Disclosure provided at account opening) will be charged to your account for processing paper statements and disclosures.

5. Joint/Multiple Owner Accounts

If your account is held jointly with another person or with multiple account owners, one of you may consent to receive disclosures electronically and that person’s election to receive Communications in electronic form shall apply to all account owners. We will then send the notice regarding the availability of Communications to the e-mail address provided at the time of enrollment to the eStatement service or Online Banking.

6. Software and Hardware Requirements

To access, view, and retain electronic Communications your system may need the following features:

• An email account with an Internet service provider and email software;
• An online account with First Federal Community Bank, SSB, to securely access documents.
• A computing device manufactured within the last 7 years having a Microsoft, Apple or Android operating system which has not exceeded its lifecycle and is currently supported by its publisher.
• This device must have sufficient Internet access and electronic storage capacity to be capable of receiving, accessing, displaying, and either printing or storing Communications received.
• This device must have an app or application capable of using Portable Document Format (PDF) files meeting the current standards for "full function PDF" as published by the International Organization for Standardization (ISO). A current version of Adobe Acrobat Reader will suffice.

7. Requesting Paper Copies

We will not send you a paper copy of any Communication, including eStatements, which is available electronically; unless you request it, or we otherwise deem it appropriate to do so. You may request paper Communications by calling 903-784-0881. We may charge you a reasonable service charge, of which we have provided you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this Agreement. We may change the types of Communications eligible for electronic delivery from time to time. We may, but are not required to send you notice when new important features are added to the service.

8. Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the Communications provided to you under this Agreement. We do not and cannot warrant that eStatements and other Communications will operate without error, or that the services will be available at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of eStatements and Communications, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty or any other legal theory.

9. Change in Terms

We reserve the right, in our sole discretion, to change the terms of this Agreement at any time. We may change the types of Communications eligible for electronic delivery from time to time. If you do not wish to accept the change(s), you may withdraw your consent to receive electronic Communications.

By clicking the "I Agree" button you acknowledge that you have read the electronic eStatement disclosure in its entirety, you have access to the minimum software/hardware requirements described above and affirm that you have requested to receive monthly bank statements in an electronic format.

10. Acknowledgment of Consent

By clicking on the Agree button, I acknowledge and agree that I consent to receive account information electronically that is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that I and the Bank both intend the Act apply to the fullest extent possible to validate our ability to conduct business with one another by electronic means. By my consent I acknowledge and agree that I have the equipment and software necessary to access, view and retain electronic communications.