Primary Business Name: TIN: Primary Business Address:

State Zip

Primary Business Phone:

►

►Appointment of initial Designated User

Name: E-mail Address:

Title:

Login ID (Username) :

►User Authorization

Account

Type

Page 1 of 3

Personal / Business Account Name

(must be at least 5 characters)

In the space provided below, list the account number(s) of the accounts for the Primary Business you would like attached to the online banking

profile . If you are requesting to attach accounts for businesses other than the Primary Business, complete the Addendum to this Agreement.

For all listed accounts, you understand that any user may be granted/denied rights to view/manage funds for any of the listed accounts. All

listed accounts will be linked under the same commercial online banking profile established by this agreement.

Account Number

Online Business Banking

Alternate Phone:

Cash Management Agreement

II. Accounts (account type, e.g., checking, savings, CD, loan, LOC, mortgage [mtg], ready reserve [RR], credit card [CC])

Alternate Phone:

SECTION B. Online Banking Business Application This Online Banking Business Application is part of the Agreement between you and Cache Valley Bank regarding your use of our

Internet banking network. The terms of this Agreement are incorporated herein by reference.

Mobile Phone:

Permissions

ADDITIONAL ENTITY AUTHORIZATION - If the PRIMARY BUSINESS above is also requesting online access for other entities, i.e.,

personal, business and third-party accounts (with their own EIN/SSN), then complete the following:

I. Authorized Individuals

SECTION A. Primary Business Customer Information

You hereby authorize the following information to be used to create the initial user for your online banking profile. The user will be given the

ability to manage your online banking profile, including permissions to all requested rights/features/limits and creation/management/deletion of

At the direction of any person set up as a user within your online banking profile, you hereby authorize Cache Valley Bank to issue passwords

and, if appropriate, User IDs for use with our internet banking network as set forth in this Agreement, which we may amend from time to time.

You authorize Cache Valley Bank to contact and/or aid the users in relation to their online banking profile data and permissions. Cache Valley

Bank assumes no responsibility and shall not be held liable for errors or damages that may arise as a result of the appointment and activity of any

user within your online banking profile.

Physical Address City

Complete the "Cash Management Agreement Addendum".

View Deposit W/drl

users.

Rev 5/12/2021

► Please list the business ["Company"] information that will be used to create the online banking profile:

►

Bill Payment Check Reorder (cost of checks) Stop Payments

Change of Address Funds Transfer Add/Manage Additional Users

ACH - required to complete the "ACH Agreement between ODFI and Originator"

Wire Transfer - required to complete the "Money Transfer Agreement"

Mobile Deposit - $3000 daily limit does NOT require an additional form

► Complete the "Mobile Deposit - Access Request & Limit Change Form" ONLY IF requesting a daily limit GREATER than $3,000

Information Reporting

User Assignment by Role

Enhanced Controls

1.

2.

3.

4.

5.

6. Cache Valley Bank has the right to monitor and review all banking activity conducted on its Internet banking system.

7.

8.

9.

10.

11.

12. Each of your accounts at Cache Valley Bank is also governed by the applicable account disclosure statements.

I/We are completing this application and agreement for the purposes outlined in this document. By executing the Online Banking Business

Application (attached hereto as Section C and incorporated herein by reference), the Commercial Customer listed in Section A (“you”, “your”, or

“Company”) agrees to the following terms and conditions of enrollment in the Internet banking network maintained by Cache Valley Bank (“we”,

“our”, “us”, or “Bank”):Other services may be available from time to time in the future. By using these services as they become available, you agree to be bound by the

terms and conditions contained in this Agreement.

► BEFORE selecting the options below, please contact online banking customer service for more information.

Page 2 of 3

► Under the service headings below, please indicate the services you want access to by checking all applicable boxes.

If no boxes are checked, the services in the Standard Services section below will be enabled.

III. Online Banking Services

Standard Services

Corporate Services (fees may apply)

Cache Valley Bank offers a comprehensive list of online banking services to better serve your online banking needs.

SECTION C. Terms & Conditions

You will be solely responsible for the use by anyone of the Internet banking network who utilizes the correct login credentials. We will have no

duty to further verify the identity of any Internet banking system user with valid login credentials. We will act on instructions received under valid

login credentials.

You are responsible for maintaining the addition or deletion of any users of the Internet banking system with access to your login credentials. In

addition, Cache Valley Bank reserves the right to remove/maintain users.

You will be responsible for any service charges incurred by your use, or use by any user, with access to your login credentials. A schedule of

internet banking service charges and fees is available at any Cache Valley Bank branch location or upon request. We reserve the right to change

the charges, fees or other terms described in this Agreement. When changes are made to any fees, charges or other material terms, we will send

notice to you at the address shown in our records by first-class U.S. postal mail 30 calendar days prior to the changes taking effect. Any such

notice sent to you shall be deemed received within 30 days of the date sent by us. If you do not respond to such notice, you will be deemed to

accept the changes of this Agreement.

We reserve the right to discontinue the internet banking network, or any of the services referenced in paragraph 1, at any time.

This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent no such applicable federal

law or regulation exists, by the laws of the State of Utah.

You agree that Cache Valley Bank is not responsible for any damage occasioned by instructions we receive from a user using correct login

credentials. You authorize us to act on all instructions received under valid login credentials and to deduct any service charges directly from your

account balance as incurred. You also agree to be liable for any account shortage resulting from charges or overdrafts, whether caused by you or

a user with valid login credentials. This includes liability for our costs to collect the deficit including, but not limited to, reasonable attorneys’ fees.

You agree that neither Cache Valley Bank nor any Internet service providers you utilize to access our Internet banking network shall be

responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, us, or Internet browser or Internet

access providers. Nor shall Cache Valley Bank or any service provider be responsible for any direct, indirect, special or consequential, economic

or other damages arising out of your use of our Internet banking network.

Premier Services (fees may apply)

If you choose to use the Stop Payment feature, you realize that a written order is effective for six months unless renewed in writing. (This feature

accommodates stop payments for checks.)

You will allow us a reasonable time in which to complete your registration once you submit the necessary forms, including the Online Banking

Business Application. You will allow us a reasonable time in which to process any service requests you make through the Internet banking

network.

13.

14.

15.

16.

Date:

Yes N/A Employee

• Agreement completed, signed & dated by Company & Bank Officials (signature verified).

FOR OFFICE USE ONLY

x

Date:

x

►Initial Employee Contacted - complete the following:

• Delivered to: Q2 Central Personnel OR

You may elect to include additional businesses on your online banking platform. Additional businesses are required to complete agreements for

all services as evidenced on page 2 of this agreement. To the extent the Primary Business has already elected the service(s) requested by the

additional business, the additional business need only complete the addendum attached to the respective service agreement(s). By executing

the addendum, the additional business does hereby acknowledge and affirm that they have received and read the terms and conditions relating

to those service(s).

*Company Corporate Official's Name & Title (Print Name) :

Except as provided for above, if we do not properly complete a transfer to or from your account(s) on time or in the correct amount according to

our agreement with you, we will be liable for the amount of any losses or damages incurred by you and resulting directly from such a failure. We

will NOT be liable in the following instances: (a) If through no fault of our own, you do not have sufficient funds in your account(s) to make the

transfer; (b) If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevent the

transfer, despite reasonable precautions that we have taken; (c) If there is a hold on your account(s), or if access to your account(s) is blocked, in

accordance with banking policy; (d) If your funds are subject to legal process or other encumbrances restricting the transfer, or your transfer

authorization terminates by operation of law; (e) If you believe someone accessed your accounts without your permission and you fail to notify

us immediately; (f) If you have not properly followed the scheduling instructions on how to make a transfer; (g) If we have received incomplete

or inaccurate information from you or a third party involving the account(s) or transfer; (h) If we have a reasonable basis for believing that

unauthorized use of your User ID, Password, or account(s) has occurred or may be occurring, or if you default under the Agreement, the deposit

account agreement, a credit agreement, or any other agreement with us, or if we terminate this Agreement.

There may be other exceptions stated in this Agreement and in other agreements with you. IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES IN

EXCESS OF YOUR ACTUAL LOSS DUE TO OUR FAILURE TO COMPLETE A TRANSFER, AND WE WILL NOT BE LIABLE FOR ANY INCIDENTAL OR

CONSEQUENTIAL DAMAGES.

*NOTE: E-mail transmissions outside of the internet banking site are not secure. Do not send us or ask for sensitive information such as account

numbers, login credentials, passwords, account information, etc. via any general or public e-mail system. Be aware that we will never send you

an e-mail requesting any sensitive account information. DO NOT reply to an e-mail requesting account information. NEVER SHARE YOUR

LOGIN CREDENTIALS.

If you send us an electronic mail message, we will be deemed to have received it on the next business day, and we will have a reasonable time to

act upon your email. Please note that email is not a valid way to communicate time-sensitive issues. You should not rely on email if you need to

communicate with us immediately, i.e., if you need to report an unauthorized transaction from one of your accounts or if you need to stop a

payment that is scheduled to occur.

You agree that we may respond to you by email with regard to any matter related to the internet banking service, including responding to any

claim of unauthorized electronic funds transfer that you make. Any such email sent to you shall be deemed received within three (3) days of the

date sent by us.

Authorized Bank Employee (Print Name) :

SECTION D. Agreement Acknowledgements and Signatures

Page 3 of 3

►Q2 Central Personnel - complete the following:

• Agreement scanned/indexed to Arc Image > DEP Online Banking Agreement.

Date

• Training provided to customer (email or print from the Intranet ).

• Online Banking Profile created and requested services enabled on Q2 Central.

*Company Corporate Official's Signature:

E-mailed to: onlinebankingapps@cachevalleybank.com

ACKNOWLEDGE THAT YOU ARE AUTHORIZED TO BIND THE COMPANY IN A CONTRACTUAL AGREEMENT FOR THE AFOREMENTIONED ACCOUNTS

THAT EACH USER WILL BE BOUND BY THE ELECTRONIC DISCLOSURE THAT IS PRESENTED ONLINE UPON INITIAL LOGIN.

BY SIGNING BELOW, YOU ACKNOWLEDGE THAT THIS AGREEMENT IS BINDING BETWEEN CACHE VALLEY BANK AND THE COMPANY. YOU ALSO

AND THAT YOU, OR THE INDIVIDUAL YOU HAVE APPOINTED, ARE THE INITIAL DESIGNATED USER TO ACCESS THE SPECIFIED SERVICES NOTATED ABOVE. FUTHERMORE, YOU ACKNOWLEDGE THAT THE INITIAL DESIGNATED USER WILL HAVE ACCESS TO THESE ACCOUNTS AND HAS THE AUTHORITY TO ESTABLISH ADDITIONAL USERS AND MAY GIVE THEM PERMISSION TO VIEW THESE ACCOUNTS. FINALLY, YOU ACKNOWLEDGE

Authorized Bank Employee Signature:

Company Authorization Cache Valley Bank Approval

Account Fee Disclosure

The following fees may be assessed to your deposit account, including transaction limitations and minimum balances, if any.

Checking, Savings and CD Activity Printout…………………………………………………………………………………

Per hour cost………………………………………………………………………………………………………………………………

Copies………………………………………………………………………………………………………………………………………..

TIN / SSN Mismatch fee……………………………………………………………………………………………………………..

Per return…………………………………………………………………………………………………………………………………….

Within Cache Valley Bank's Network…………………………………………………………………………………………

Non-network……………………………………………………………………………………………………………………………..

Replacement Card (lost or stolen)……………………………………………………………………………………………..

Express Delivery of Card…………………………………………………………………………………………………………….

Org. Term 1 year…………………………………..1 month Org. Term 3 years……………………………………….

Org. Term 18 months……………………………2 months Org. Term 4 years…………………………………………….

Org. Term 2 years…………………………………2 months Org. Term 5 years……………………………………………………….

Fees vary by check style, ask branch staff for current pricing……………………………………………………

Checks (limited styles) for Senior (over 65) and Youth (under 18) accounts………………………………

Official Checks and Money Orders…………………………………………………………………………………………………….

Temporary Checks………………………………………………………………………………………………………………..

Per check……………………………………………………………………………………………………………………………………..

Per collected item (Domestic)…………………………………………………………………………………………………….

Per collected item (Foreign)………………………………………………………………………………………………………..

Checking Account - 18 months with no activity………………………………………………………………………….

Savings Account - 24 months with no activity…………………………………………………………………………….

Within 90 days of opening an account………………………………………………………………………………………..

Garnishments, Subpoenas and Levies…………………………………………………………………………………………

Youth/Senior Silver Monthly Fee Trans Limit

• $2,000.00 • •

• $2,000.00 • 6 per month

• • • 6 per month

Excessive Limit Fee

•

$5.00 per item

$5.00 per item

Platinum

$20,000.00

$50,000.00

$50,000.00

Minimum Balances

DIB Accounts

Money Market

Savings

Gold

$3.00 per check

Free

$2,000.00

$20,000.00

$20,000.00

Quote

$5.00 each

$35.00 each

$25.00 each

$5.00 per month

$5.00 per month

Interest Bearing Accounts

Garnishments, Subpoenas and Levies

Early Account Closure

$50.00 each

$15.00 each

Effective 01/01/2020

Account Activity Printout

ACH Return

Account Research

Certificates of Deposit - Early Withdrawal Penalty (interest forfeited in months)

ATM & Debit Card Fees

Dormant Account Fees

Domestic Collection Item

Deposit of Check Drawn on Foreign Bank

Check Printing

$1.00 per page

$100.00 per mismatch

$0.25 per page

$25.00 per hour

$5.00 each

$50.00 each

$10.00 each

3rd party fee

Free

5 months

4 months

3 months

$3.00 per page

Internet Banking……………………………………Free Mobile App………………………………. Free

Bill Pay & Presentment………………………….Free Dial-A-Bank…………………………………Free

Online Statements………………………………..Free

Per Signature……………………………………………………………………………………………………………………………….

Per Signature……………………………………………………………………………………………………………………………….$5.00 each

Cash Management Service…………………………………………………………………………………………………………..

ACH Batch Processing………………………………………………………………………………………………………………….

Imposed on overdraft paid or returned……………………………………………………………………………………..

*Consumer overdraft fees only assessed on items greater than $25.00

**Consumer maximum daily fee………………………………………………………………………………………………

If paid, daily interest charge on overdraft balance…………………………………………………………………….

Single-Feed CheXpress Scanner (monthly lease)…………………………………………………………………………

Multi-Feed TellerScan TS240 (monthly lease)……………………………………………………………………………..

Per deposited item………………………………………………………………………………………………………………………

A statement returned undeliverable…………………………………………………………………………………………..

2 x 5………………….$5.00 3 x 10…………………………….$15.00 10 x 10…………………………….. $50.00

3 x 5………………….$7.50 5 x 10…………………………….$30.00 Lost Key…………………………….$45.00 each

5 x 5………………….$10.00 7 x 10…………………………….$40.00 Drilling & Key Replacement………… $125.00 each

Check or ACH…………………………………………………………………………………………………………………….$20.00 each

Domestic Incoming Wire………………………………………………………………………………………………..Free

Outgoing Wire………………………………………………………………………………………………..$20.00 each

InternationalIncoming Wire………………………………………………………………………………………………..$30.00 each

Outgoing Wire………………………………………………………………………………………………..$50.00 each

$3.00 per month

Overdraft/NSF

Online Cash Management Fee

Return Deposit Chargeback

Remote Deposit Capture - Scanning Machine

Wire Transfer

Stop Payments

Safe Deposit Box - Annual Cost

Return Mail Handling

$10.00 per batch

Internet & Phone Banking

Non-Interest Bearing Accounts

Medallion Stamp Fee$50.00 each

$125.00 per day

21% annual rate

$5.00 each

$40.00 per month

Minimum Balances Cache Checking

Demand •

$30.00 per month

Notary Fee

Excessive Limit FeeTrans LimitMonthly Fee

• • •

$10.00 per month

$25.00 per item