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GENERAL. By signing this Agreement and completing the ONLINEADVANTAGE Application (the "Application") to subscribe to certain business computer banking and related services offered by the Bank of Lancaster, as described in this ONLINEADVANTAGE Business Service Agreement and Disclosure Statement (the "Agreement") and as otherwise made available by the Bank of Lancaster from time to time and in consideration of our allowing access to ONLINEADVANTAGE, you agree to the terms and conditions of this Agreement.

USE OF SERVICE/LIMITED SUBLICENSE. Bank hereby grants to you a sublicense for use of the Service on a computer(s), subject to the terms and conditions set forth in this Agreement. You acknowledge and agree that the Service and Service documentation is valuable, confidential, and proprietary property and agrees not to transfer, distribute, copy, reverse, compile, modify or alter the Service or the Service documentation.

BROWSER SECURITY. The Service transmits data using SSL (Secure Socket Layer) technology that supports 128 bit key encryption. It is important to verify that a secure connection between your browser and the Service’s server has been established before transmitting any confidential account information over the Internet. An indicator on your web browser can verify this. Netscape Navigator has a key symbol that appears in the lower left corner of the screen. When the symbol appears "solid", transmitted data is being encrypted. When this symbol appears "broken", a secure session has not been established. Similarly, Microsoft Internet Explorer has a lock symbol that appears when data is being encrypted. When this symbol does not appear, a session is not secure.

1. You can only access ONLINEADVANTAGE with certain browsers that have a high security standard.
2. Your account numbers are never displayed in full – only the last 4 digits can be viewed.
3. You must have a valid username, password, and PassMark - all designed as security safeguards.
4. If no action is taken for 10 minutes, you will be automatically logged off the Online Banking service.

TERMS. This Agreement is effective from the date the Service is accessed by you and shall remain in force until termination. The Agreement shall be terminated upon thirty days prior written notice by either party to the other, upon termination of the relationship between the parties, if you fail to comply with the terms and conditions of this Agreement, or upon termination of the software license agreement between Bank and its Vendor. You agree to return any and all written and electronic documentation related to the Service to the Bank, upon termination. You shall retain no copies in any form. The provisions of this Agreement that protect the proprietary rights of the Bank and its Vendor will continue in force after termination.

1. Hardware and Software Requirements. To access ONLINEADVANTAGE you must provide your own personal computer (a "PC") with a modem and related equipment (the "Hardware"). The product is best viewed using Internet Explorer 5.0 through 6.0 Service Pack 1 (SP1) or Netscape 6.1 through 7.01. Our service may work with other browsers, e.g. Opera or Mozilla, but it is tested only with the specified versions of Internet Explorer and Netscape Navigator/Communicator, and we strongly recommend that you use one of the specified browsers for your Internet transactions with our ONLINEADVANTAGE service. We will not be responsible for errors resulting from browser incompatibility. You also must provide the type of telephone service and Internet access service required by the Hardware and/or the Software. Once the Hardware has been properly connected to the telephone service, and any required Internet access has been established, you will be able to access ONLINEADVANTAGE through the PC banking service provider (the "Service Provider") that will act as an interface between you and us. You are and will remain solely responsible for the purchase, hook-up, installation, loading, operation and maintenance of the Hardware, the Software, the telephone service, and the Internet access service to your PC, and for all related costs. You are solely responsible for scanning on an ongoing basis, using the latest virus definitions, the Hardware and the Software for computer viruses and other related problems before you use them.

2. The Accounts. You agree to use ONLINEADVANTAGE solely for the services described in this Agreement and designated by you in the Application or subsequently designated by you as provided in Section 5, and solely in connection with each deposit account (collectively, the "Deposit Accounts") and each loan account (collectively, the "Credit Accounts") held by us and designated by you in the Application or subsequently designated by you as described below (collectively, the "Accounts"), except as otherwise expressly provided in this Agreement or as otherwise expressly permitted by us from time to time. You must have one or more of the following accounts with us to be eligible for ONLINEADVANTAGE:

1. Checking
2. Savings
3. Bonus Money Market
4. CD
5. Loan
6. VISA®

4. Business Days. Business days for the Bank of Lancaster and ONLINEADVANTAGE are Monday through Friday, excluding holidays. You may access the accounts through online banking 24 hours a day, seven days a week, except that regular maintenance performed on our systems or equipment may result in errors or interrupted service. We do not warrant that online banking or ONLINEADVANTAGE will be available at all times. When unavailable, you may use our "Service Advantage" telephone banking service, any of our automated teller machines ("ATM") or any of our branch offices to conduct your transactions. We may also find it necessary to occasionally change the scope of our services. We cannot guarantee that we will be able to provide notice of such interruptions and changes, although we will attempt to provide such notice. Refer also to the Processing Schedule included as Schedule A to this Agreement

5. Online Services. You may use ONLINEADVANTAGE to perform any of the following basic online services as follows:

Additionally, subject to your acceptance as indicted at the end of the Application, you may sign up for an additional online service (separate from the "basic services" described above) to pay bills electronically.

6. Transfers to and from Accounts. In addition to account information reporting, you may request access to certain Funds Transfer Services as described below. Funds transfers are available during specific business hours as described in the attached schedule. You must specify who can access to the Funds Transfer Services (Customer Representative) and the authorities per transaction type. If you, or any of your authorized Customer Representatives, use the Funds Transfer Services described, the following condition(s) shall apply:

1. Deposit Accounts. You may use online banking to initiate electronic fund transfers from one Deposit Account that is a checking, savings, or bonus money market deposit account to any other Deposit Account that is a checking, savings, or bonus money market deposit account, as provided in this Agreement. These types of transactions are referred to in this Agreement as "bank transfers".
2. Credit Accounts. You may use online banking to initiate electronic fund transfers from one Deposit Account that is a checking or savings account to make a payment on a Credit Account that is a commercial loan or line of credit or credit card, as provided in this Agreement. These types of transactions are referred to in this Agreement as "loan payments".

• ACH Transactions. You acknowledge that the ACH Transaction feature of the Service is an alternate entry system for issuing ACH transaction orders between you and us. A separate ACH Origination Agreement between you and us is required. This ACH Origination Agreement shall govern the acceptance and liability for all ACH Transactions originated by you.

• Tax Payments. You acknowledge that the Tax Payments feature of the Service is an alternate entry system for issuing EFTPS tax payment orders between you and us. A separate Tax Payment Origination Agreement between you and us is required. This Tax Payment Origination Agreement shall govern the acceptance and liability for all Tax Payments originated by you.

1. Authorization. You expressly authorize us to debit the appropriate Deposit Account in the amount of any bank transfer or loan payment initiated through online banking by you, by your Customer Representative or by any other person who is authorized to use your Password. You agree that we may treat any such bank transfer or loan payment from a Deposit Account the same as a duly executed written withdrawal, transfer, or check and that we may treat any such bank transfer or loan payment to a Deposit Account the same as a deposit, all in accordance with the terms of this Agreement and your deposit agreement(s) with us.
2. Limitations. Your ability to initiate bank transfers between Deposit Accounts or make loan payments from your Deposit Accounts may be limited by federal law or by the terms of your deposit agreement with us. Bank transfers from Deposit Accounts that are savings deposit accounts are limited as required by federal regulation. You agree that we may, without notice or other obligation to you, refuse to make any bank transfer for security reasons or as otherwise expressly provided in this Agreement or your deposit

• Time of bank transfers; posting; funds availability. If you initiate a bank transfer or loan payment of available funds on or before 4:30 p.m. Eastern Time on a business day, the bank transfer or loan payment will be posted to the Deposit Account on the same business day. If you initiate a bank transfer or loan payment after 4:30 p.m. Eastern Time on a business day, the bank transfer will be posted on the next business day. Transferred funds will be available for withdrawal on the business day following the business day the bank transfer is posted to the Deposit Account. The Bank will determine the transaction time by placing a time stamp on all transactions. Please refer to the Processing Schedule for posting and funds availability information included as Schedule A to this Agreement.

7. Stop Payment Services. You acknowledge that the Stop Payment feature of the Service is an alternate entry system for issuing Stop Payment Orders. When utilizing this feature, you warrant that the information describing the check or draft, including the check or scheduled transfer date, it’s exact amount, the check number and payee, is correct. You acknowledge that the exact amount of the check or draft is required, and if the incorrect amount or any other incorrect information is provided, we will not be responsible for failing to stop payment on the item. You agree that the Stop Order must be received by us within a reasonable time for the us to act on the order prior to final payment of the check, or if an ACH/EFT transfer, at least three (3) business days preceding the scheduled date of the pre-authorized ACH/EFT. Using this service, a Stop Payment Order received by us will be accepted as if it were in written form, will be effective for six (6) months only, and will expire automatically at that time, without further notice, unless specifically renewed prior to expiration.

8. Account Information. You may use online banking to receive, download, and store or print information regarding an account that is set forth in the statement for the Account, debits and credits made to the account, amounts and item numbers for items drawn on the account (if applicable), and the daily account balance (including interest credited to a Deposit Account and finance charges accrued on a Credit Account). All account information provided via online banking will normally be current as of the end of the preceding business day, and is subject to further adjustment and correction. Because the information made available to you is "raw data" furnished through the Service Provider and is subject to change, we cannot assure you of the accuracy or completeness of the information and expressly disclaim the same. You will still receive your usual periodic statement of account, and adjustments may have been made to your account in connection with the preparation of your statement.

9. Electronic Mail Service. You may use online banking to send electronic mail ("e-mail") to us and to receive e-mail from us. However, your e-mail is actually sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers, and balances in any e-mail to us. E-mail transmitted by you to us via online banking often will not be delivered to us immediately. If you need to contact us immediately to stop payment, to report an unauthorized use of your Password, to report unauthorized access to an account, or for any other reason, you should call us at 1-804-435-1171 or 1-800-435-1140. We will not be responsible for acting on or responding to any e-mail request made through online banking until we actually receive your e-mail message and have a reasonable opportunity to act. You should check your e-mail regularly; we will attempt to notify you by e-mail in the event of any technical difficulties or other occurrence that may affect your use of online banking. The e-mail service may not be used to make bank transfers between accounts or to make bill payments from an account.

10. Additional Service. We may, from time to time, make additional services available through online banking. We will notify you of the availability and terms of these new services. By using

11. Bill Payment Service. The Bill Payment service allows you to schedule bill payments through online banking. We do not provide the service directly. Instead, we have entered into an agreement with a bill payment provider (Provider) to provide the bill payment services directly to you. Subject to any regulatory or bank imposed limitation on usage, you can arrange, at your option, for the payment of your current, future and recurring bills from a checking account, a bonus money market checking account or other transaction account. There is no limit to the number of payments that may be authorized and you may pay any merchant or individual approved by the Provider, however, the amount of any individual payment may not exceed $99,999.00. While you initiate payments electronically, they are ultimately paid via an automated clearinghouse (ACH) network or by a paper check. Payments delivered over an ACH network are governed by the rules and performance standards of that network.

12. Fees and Charges. There are no general fees for the Service. However, applicable fees for certain transaction types (e.g., Stop Payments and ACH Transactions) apply. Refer to the Bank’s Fee Schedule for details. The following are fees and charges for use of the online banking services described in this Agreement.

13. Errors and Adjustments. We agree to correct any error made in crediting or debiting any account by making the appropriate adjustment to your account balance. You agree to repay promptly any amount credited to your account in error, and you authorize us to initiate a debit transfer to any account to obtain payment of any erroneous credit.

14. Account Reconciliation. The Deposit Account statements or other notices provided to you by us will notify you of: (a) the execution of bank transfers or bill payments and the debits to the Deposit Account made with respect to such bank transfers and bill payments, and (b) amounts debited by the Bank from the Billing Account or any other account for payment of the services or other charges pursuant to this Agreement. You agree that we will not be required to provide any other notice to you of the execution of bank transfers, bill payments, or debits. You agree to promptly examine each statement for a Deposit Account and to promptly report any discrepancies between your records and the Deposit Account statements or any other notices mailed by the Bank to you, as provided in Section 20.

15. Settlement of Obligation. To the fullest extent permitted by applicable law, you authorize us to obtain payment of your obligations to us under this Agreement from time to time by: (a) initiating debit or credit transfers to any of the account(s) or (b) deducting the payment from the amount of any bank transfer or bill payment. Such obligations include, without limitation; fees owed to us and settlement for bank transfers or bill payments initiated through online banking. At the time any account is closed (whether by you, by us, or otherwise) or any online service is terminated (whether by you, by us, or otherwise), you agree that all such obligations will be immediately due and payable to us, and you authorize us to withhold the amount of any such obligations from any account. Debiting an account or deducting payment from the amount of any bank transfer or bill payment is not the Bank’s exclusive remedy under this or any other section of this Agreement, and the Bank will not be deemed to have made an election of remedies by making any such debit or deduction on any one or more occasions.

17. Limits on Bank’s Liability. Sections 16 and 20 also govern our liability for electronic fund transfer made to or from Deposit Accounts. If any provision herein is inconsistent with any provision of Section 16 or Section 20 or any provision of applicable law that cannot be varied or waived by agreement, the provisions of those Sections or applicable law shall control. To the fullest extent permitted by applicable law, you agree that we will have no liability whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of any online banking service in accordance with the terms of this Agreement, including but not limited to, that resulting from our negligence. Our duties and responsibilities to you are strictly limited to those described in the Agreement, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement. In no event will we be liable for any consequential, special, or punitive damages or for any indirect loss that you may incur or suffer in connection with the service (even if we have been informed of the possibility of such damages), including, without limitation, attorneys fees. The Service Provider is an independent contractor and not our agent. Our sole duty shall be to exercise reasonable care in the initial selection of the Service Provider. YOU ACKNOWLEDGE THAT NO EXPRESS OR IMPLIED WARRANTY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY OR FITNESS OR A PARTICULAR PURPOSE, IS MADE BY US WITH

18. Your Liability for Unauthorized or Erroneous Transfers. To the fullest extent permitted by applicable law, you agree to be responsible for all unauthorized or erroneous transactions initiated through online banking. You have the obligation to immediately notify us if your Password has been lost or stolen, or if someone has transferred funds from your account through online banking without your permission (or is contemplating doing so). The following provisions of this Section apply only to your liability for unauthorized electronic fund transfers. An "unauthorized electronic fund transfer" means an electronic fund transfer from a Deposit Account that is initiated by another person without your authority to initiate the electronic fund transfer and from which you receive no benefit. The term does not include any online banking electronic fund transfer that is initiated by a person to whom you furnished your Password, unless you have notified us that electronic fund transfers by that person are no longer authorized and we have had reasonable opportunity to act on that notification. We may require that the notice be in writing. You could lose all the money in your Deposit Account, some or all of the money in any linked account, or up to your maximum overdraft line of credit if you have a check overdraft protection line of credit, if you fail or refuse to immediately advise us of the unauthorized use of your Password. If your statement shows electronic fund transfers that you did not make, tell us at once. If you do not tell us within sixty (60) calendar days after the statement was mailed to you, you shall not be entitled to assert a claim against us, nor be entitled to any damages from us, as to said unauthorized transfers. This sixty (60) day limitation is without regard as to the standard of care exercised by us. If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from a Deposit Account without your permission call: 1-804-435-1171 or 1-800-435-1140 or email onlineadvantage@banklanc.com.

19. Unauthorized Transfers. You should notify us immediately if you believe anyone has improperly obtained your Password or if you suspect any fraudulent activity in your account(s). If your Password has been compromised and you tell us within two (2) business days of discovering the loss or misappropriation, you can lose no more than $50. If you do not tell us within the two (2) business day period, you could lose as much as $500 if we could have stopped the use of your account(s) had we received notice in a timely manner. You should contact us, or the Provider, as applicable, a soon as you identify any errors or discrepancies in your statement or transaction record, or if you need any information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we have sent the first statement on which the problem or error appeared (if you notify us verbally, we may require that you send us your complaint or question in writing or electronically with ten (10) business

20. Rejection of Payment Orders; Overdrafts. You acknowledge that we or the Service Provider may from time to time, in its sole discretion, reject any bank transfer or bill payment request (any "payment order") or return any bank transfer or bill payment (a) if there are insufficient or unavailable funds in the Deposit Account or the Deposit Account has been closed or is frozen, (b) if the payment order does not conform to the terms of this Agreement or the Software, or (c) if the payment order appears to be a duplicate, but neither we nor the Service Provider is under any obligation to recognize that a payment is a duplicate and you should not rely on us or the Service Provider to do so. If a payment order is rejected or a bank transfer or bill payment is returned, either we or the Service Provider will notify you and you will have the sole obligation to remake the payment order in accordance with the terms of this Agreement and the Software. We or the Service Provider may from time to time, in our sole discretion and without any obligation to do so, execute any payment order or make any bank transfer or bill payment even though an overdraft to the account results. To the extent permitted by applicable law, you agree that neither we nor the Service Provider will have any liability whatsoever for refusing to accept any payment order or rejecting or returning any bank transfer or bill payment. If an overdraft occurs in a Deposit Account, you agree to cause sufficient available funds to pay the amount of the overdraft to be deposited into or credited to the Deposit Account before the end of that business day. Any overdraft existing at the close of a business day is immediately due and payable with notice or demand.

21. Disclosure of Deposit Account Information to Third Parties. You agree that we may from time to time disclose to third parties information about your Deposit Account or the transactions that you make through online banking. We will disclose information to third parties about your Deposit Account or the transfers you make:

23. Virus Protection. We are not responsible for any electronic virus that you may encounter using the online banking services. We encourage you to routinely scan your computer and diskettes using a reliable virus protection product to detect and remove viruses. If undetected and unrepaired, a virus can corrupt and destroy your programs, files and hardware.

24. Other Agreements; Severability; Governing Law. The terms and conditions of this Agreement are cumulative with and in addition to any terms of the signature cards or account agreements for your Deposit Account(s), the applicable account disclosures, the Service Schedule, the Schedule of Funds Availability, our Electronic Fund Transfer Agreement and Disclosure Statement, the agreements governing the Credit Account, and the Application, and all may be amended from time to time. In the event of any conflict between this Agreement and the content of the Software or any related materials regarding our obligations to you, the terms of the Agreement will control. If any provision of this Agreement is unlawful or unenforceable, each such provision or writing will be without force and effect without thereby affecting any other provision hereof. No provision of the federal Electronic Fund Transfer Act or Federal Reserve Board Regulation E is intended to be waived by you under this Agreement unless the waiver is permitted by law. The parties agree to be bound by the operating rules and guidelines of the National Automated Clearing House Association and the applicable local automated clearinghouse association as in effect from time to time with respect to all automated clearinghouse transfers made hereunder. You submit to the jurisdiction of, and this Agreement shall be governed by the laws of, the Commonwealth of Virginia, U.S.A., as well as the federal laws of the U.S.A. Venue for any action arising out of this Agreement shall be in a state court of competent jurisdiction covering Lancaster County, Virginia, U.S.A. The prevailing party in any such action shall be entitled to the recovery of its reasonable attorney’s fees, costs, and expenses.

25. Amendments. We may amend this Agreement from time to time. Each amendment will be effected by our mailing or otherwise delivering the amendment, revised agreement and/or notice thereof to you in accordance with applicable federal and state laws. If no federal or state law specifically governs the amendment, the amendment shall be effected by mailing or otherwise delivering it to you or posting it in our full-service branch offices at least ten (10) calendar days prior to the effective date of the amendment. Notwithstanding the foregoing and to the extent permitted by applicable law, we may change any term of this Agreement without prior notice or obligation to you: (a) if the Software or the Service Provider changes any term without providing us sufficient notice to enable us to properly notify you; (b) for security reasons; (c) to comply with applicable law; or (d) as otherwise expressly provided in this Agreement.

26. Termination. You agree that we may cancel or restrict your use of online banking or any online service at any time upon such notice (including e-mail) as is reasonable under the circumstances. You may cancel online banking by written request to us at any time. If you cancel the bill payment service, all pending and/or recurring bill payments will be automatically cancelled.

27. Assignment. You may not assign all or any part of your rights or obligations under this Agreement without our prior express consent, which may be withheld in our sole discretion. We may assign or delegate all or any part of our rights or obligations under this Agreement, including,

28. No Third-Party Beneficiaries. This Agreement is for the benefit of you and us and is not intended to grant, and shall not be construed as granting, any rights to or otherwise benefiting any other person, except as expressly otherwise provided in this Agreement.

29. Waiver. We shall not, by the mere lapse of time, without giving notice or taking other action, be deemed to have waived any of our rights under this Agreement. No waiver by us of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of this Agreement.

30. Force Majeure. Neither party shall be liable for any loss or damage due to causes beyond its control, including fire, explosion, lightning, pest damage, power surge or failures, strikes or labor disputes, water, acts of God, the elements, war, civil disturbances, acts of civil or military authorities or the public enemy, inability to secure raw materials, transportation facilities, fuel or energy shortages, acts or omissions of communications carriers, or other causes beyond that party’s control. Either party may terminate this Agreement immediately on written notice if the other party is prevented from performing its obligations under this Agreement for a period of more than thirty (30) days due to the reasons set forth in this subsection.

31. Construction. This Agreement shall be construed equally against the parties regardless of who is more responsible for its preparation. If there is a conflict between a part of this Agreement and any present or future law, the part of this Agreement that is affected shall be curtailed only to the extent necessary to bring it within the requirements of that law.

32. Restrictions. You may not appropriate any information or material that violates any copyright, trademark or other proprietary or intellectual property rights of any person or entity while using the online banking, network or data not specifically permitted to you by us or our suppliers, and you must not include any obscene, libelous, scandalous or defamatory content in any communications with us or our suppliers.

ONLINEADVANTAGESM BUSINESS

Note – If the Holiday falls on a Saturday, we will be OPEN the preceding Friday. If the Holiday falls on a Sunday, we will be CLOSED the following Monday.