online banking AGREEMENT

1. General Information

This Rider governs the Customer's use of the Bank's External Transfers Service (the "Service"). Under this Rider, the Customer authorizes and directs the Bank to act upon all requests to access certain information and to effect certain transactions, as set forth below, to and from the Customer's checking, savings and money market deposit accounts maintained at the Bank as from time to time set forth in the Customer's service agreements with the Bank, as from time to time in effect (the "Accounts").

This Rider is governed by the Online Banking Agreement and Disclosure between the Customer and the Bank (as from time to time amended, supplemented and replaced, the "Online Banking Agreement"). Terms used in this Rider and not otherwise defined herein shall have their respective meanings as set forth in the Online Banking Agreement.

2. Agreement

The Customer hereby agrees to the following –

When you accept these terms and conditions, you represent and warrant that you are an authorized user acting with full authority, and that you are duly authorized to execute this Agreement.

When you click on the “Continue” button, you represent that you are the owner of the account (s) selected for the External Transfer service and/or that you have been authorized by the owner of the account(s) to enroll for this service. Clicking on the “Continue” button also indicates your acceptance of the terms and conditions of this Agreement in this electronic format.

If you do not agree to the terms of this Agreement and/or do not accept the electronic version of this agreement, do not proceed.

3. Definitions

§ External Accounts - Accounts held by financial institutions other than MapleMark Bank are referred to within this Agreement as “External Accounts”.

§ External Transfer – refers to the transfer of funds between your deposit accounts at MapleMark Bank and accounts held by you at other financial institutions (External Accounts).

§ Inbound Transfer – refers to a transfer of funds “to” your deposit account(s) at MapleMark Bank from an External Account.

§ Outbound Transfer - refers to the transfer of funds “from” your deposit account(s) at MapleMark Bank to an External Account.

§ Cut-off Time - The cut-off time for scheduling external transfers is 7:55 pm Central Time, Monday through Friday, excluding Federal Holidays. Any External Transfer request made after the Cut-Off Time will be initiated the next business day.

4. Enrollment and Approval of External Accounts

You may enroll for the External Transfer feature within the Online Banking Service. As part of the enrollment process, you will need to request approval of each External Account that you wish to use for the External Transfer service. You agree that you will only attempt to register accounts for which you have the authority to transfer funds.

5. Fees

There is no fee for transferring funds into or out of the bank utilizing this service.

6. Processing External Transfers

Most Outbound Transfers will be considered same-day transfers; if received before the daily cut-off time on a normal business day. We cannot guarantee when your financial institution will process the transfer and post the transaction to your account; however, in most cases, the transaction will be posted within 1 to 2 business days.

Most Inbound Transfers will be considered a same-day transfer; if received before the daily cut-off time on a normal business day. A hold will be placed in the amount of the credited transaction to allow for receipt of funds from the external account; generally three business days.

7. Transactional Limits

Transactional Dollar limits may be imposed for In-Bound and Out-bound Transfers.

Generally, the following limits apply to external transfer transactions; exceptions may apply. Limits are subject to your adherence to the Terms and Conditions of your account as well as those of this agreement.

	INBOUND		OUTBOUND
	Transaction Limit	Daily Limit	Transaction Limit	Daily Limit
MapleMark Checking and Savings	$5,000	$5,000	$2,000	$2,000
Gold Checking or Money Market	$50,000	$50,000	$25,000	$25,000
Platinum Checking or Money Market	$500,000	$500,000	$50,000	$50,000

Any dollar limits imposed will apply to the total of all transfers to a specific External Account on any given day. Any transfer initiated on a day that is not a business day, as defined within our Online Banking Agreement, counts toward the applicable limit for the next business day.

As well, by federal law, Savings and Money Market Accounts are limited to a total of six (6) withdrawals per month by automatic or pre-authorized transfer, telephone, online, or mobile banking, or wire transfer. You will be subject to the Excess Items Fee shown in our current Fee Schedule for each transfer in excess of six (6) per month; charged monthly.

Repeated withdrawals exceeding the six (6) allowed per month may require us to close the account and re-open it into a checking account that offers unlimited transactions.

8. Editing or Canceling External Transfers.

Transfers scheduled for the current business day cannot be cancelled once submitted. Pre-Scheduled and/or recurring External Transfer requests can be edited or canceled prior to 11:59 PM Central, the day prior to the scheduled processing date.

9. Service Termination and Changes in Dollar Limits

You agree we may cancel your access to the External Transfer service, without prior notice, upon the occurrence of any of the following events, or any other event that creates an unanticipated liability for this Institution:

§ Any of your accounts with us are not current or are not in good standing.

§ You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any account during the current or three prior calendar months.

§ You have had any prior External Transfer canceled, revoked, or not completed due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason.

Furthermore, we may change the dollar limits for External Transfers at any time. Any decrease will be subject to notice, as required by law, but you agree that we may reduce your limits without prior notice upon occurrence of any of the events listed in this section of the Agreement.

10. Governing Law and Relation to Other Agreements

Accounts and services provided by the Bank may also be governed by separate agreements with you. This Agreement supplements any other agreement(s) and/or disclosures related to your account(s) and provided to you separately.

This Agreement shall be governed by and construed in accordance with federal laws and the laws of the States of Texas and Oklahoma, without regard to its conflicts of laws provisions.

By clicking ‘Continue’, you authorize the Bank to verify the existence of the External Account(s) enrolled for the service AND to transfer funds electronically between those External Account(s) and your deposit account(s) at the Bank, according to your instructions.

This authority shall remain in full force and effect until the Bank has received written notification from you (or joint account holder) of its termination in such time and in such manner as to afford the Bank a reasonable opportunity to act upon the termination notification.

REVISED 2018.04