ONLINE ENROLLMENT AGREEMENT

Please read and agree to the Online Enrollment Agreement terms and conditions by selecting the “I Agree” button.

This Online Banking Agreement and Disclosure (“the Agreement”) explains the terms and conditions governing the online banking services offered by First Bank (“the Bank”). All online banking services of any kind whatsoever offered or afforded by the Bank, including, but not limited to funds transfer, loan payments, and ACH transactions, will be referred to collectively as “Online Banking Services” in this agreement. By using any of Online Banking Services, you agree to be bound by the terms and conditions contained in the Agreement, all applicable federal regulatory disclosures, and the New Account Disclosures. All applicable service fee schedules published by the Bank from time to time will apply to Online Banking Services. You are responsible for payment of any fees incurred by you on any account, for any service, at any time. You agree to pay such fees upon request of the Bank. Further, you agree to pay all fees incurred by you in accessing Online Banking Services. Your initial use of Online Banking Services in connection with your account(s) at the Bank constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and of the New Account Disclosures. Such initial use acknowledges your receipt and understanding of this Agreement. There are no fees for accessing your account(s) through Online Banking Services. Other fees may apply to services conducted through Online Banking Services. If you need additional fee disclosures, please contact First Bank at 601-684-2231. The Bank is entitled to act upon instructions received through Online Banking Services under your password and without inquiring as to the identity of the person using that password. However, you agree that you will not, under any circumstances, disclose your password by telephone or any other means to any person. You are responsible for the safekeeping of your password. You acknowledge that no employee of the Bank will ever ask you for your password and that Bank employees do not need and should not ask for your password. You agree never to provide your password to anyone, including anyone claiming to represent the Bank. You will be prompted from time to time, to change your password for additional security. You agree that if you permit another person to use the service or give another person your Online Banking ID and password, you are responsible for all activity that person initiates even if he or she exceeds your authorization. You agree to notify the Bank immediately in the event that your password has been lost or stolen or has been otherwise compromised. At any time, you may ask the Bank to disable your password. For joint accounts, each person will have a separate Online Banking ID and password. Each person on a joint account will be liable for all transactions that are made on the account. Each person on a joint account authorizes all transactions made by any other person on the account. Each person on a joint account agrees to be liable for the actions of the other person(s) on the account. First Bank reserves the right to terminate the use of Online Banking Services at any time without prior notice. The Bank may reinstate Online Banking Services at a later date at its discretion. This Agreement can be changed. When making changes, the Bank will comply with all legal notice requirements. If this Agreement is modified, your continued use of the account will represent your acceptance of such modifications.