LEVEL ONE CONSUMER AGREEMENT AND DISCLOSURE

1. INTRODUCTION This Online Banking Agreement and Disclosure (“Online Banking Agreement”) as well your Account Agreements govern your use of Online Banking (defined below). The provisions of the various Account Agreements and the Online Banking Agreement shall, to the extent possible, be interpreted so as to supplement each other and avoid any conflict between them. However, in the event of a conflict between the Account Agreement and the Online Banking Agreement, this Online Banking Agreement shall govern with respect to your use of Online Banking. This Online Banking Agreement supersedes any prior agreement between you and the Bank regarding Online Banking. Before obtaining Online Banking, please read this Disclosure carefully and keep a copy for your records. By clicking “I agree” below using online banking, you agree to the terms of this online banking agreement, any related fee schedule and any bank rules regarding online banking. If you do not agree with any of the terms and conditions of this online banking agreement, any fee schedule or the rules of online banking, then you should immediately cease all use of online banking and should not click I agree” below.

2. DEFINITIONS “Account Agreements” means, collectively, all agreements, disclosures and fee schedules applicable to your Designated Account(s) and Services, and the general Bank website terms and conditions and privacy notice. “Applicable Laws” means all applicable federal, state and local laws, statutes, rules, codes, directives, regulations, orders and ordinances, as enacted and/or amended from time to time “Bank” means Level One Bank and any agent, independent contractor, designee, or assignee Level One Bank may involve in the provision of Online Banking. “Business Day” means Monday through Friday, excluding federal holidays and any holidays recognized by Bank. “Designated Account” means an account you maintain with Bank that Bank permits to be linked to Online Banking and that you elect to with Online Banking. “Online Banking” means Bank’s Online Banking service that you access over the Internet, by use of a personal computer, modem and/or other means Bank authorizes or allows. “Services” mean services accessible through Online Banking that you agree to obtain. Services include but are not limited to: Online Transfers, Balance Inquiry, Transaction History, Electronic Check Images, Bill Pay, PopMoney, Stop Payment, eStatement, eAlerts, and Convenience Pay. Services such as Bill Pay, Zelle, Account to Account Transfers (TransferNow), Stop Payment, eStatement, and eAlerts may require receipt of additional terms and agreements that are separate from these terms and conditions. “You” and “your" means each person who enrolls in Online Banking or who uses or is authorized to use an Online Banking Access ID and Password or other means of access Bank establishes or approves.

3. ONLINE BANKING FEATURES Online Banking provides the following features: • Instant Enrollment to access online banking • Secure Login • Account Balances and Information • Real – Time Express Transfer between Designated Accounts • Scheduled Transfer between Designated Accounts • Change or Update Online Access Information • View and Print Front and Back of Check Images • Access to Level One Bank (See below for Mobile Banking Terms and Conditions and the Mobile Addendum). • Access to Other Online Services

4. SYSTEM AND SOFTWARE REQUIREMENTS You are responsible for the purchase, installation, maintenance, operation, upgrades, security of the software, hardware and equipment required to access and use Online Banking, including, but not limited to, your computer, web browser software, anti-virus and anti-spyware software and personal computer firewall. Bank is not responsible for and has no liability to you for: (a) any errors or issues that arise from the malfunction or failure of the software, hardware or equipment that you use in connection with Online Banking; or (b) error, failure or nonperformance of Online Banking, including the risk that you do not operate the computer software properly.

You agree to use a reputable anti-virus and anti-spyware software program on your computer and to update such anti-virus and antispyware software on a regular basis. Bank encourages you to routinely scan your computer, and any removable drives and diskettes, using a reliable anti-virus product to detect or remove any viruses. Undetected or un-repaired viruses may destroy your programs, files and even your hardware. Additionally you may unintentionally transmit the virus to other computers. Bank also encourages you to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system you may 1 Rev. 09.19 employ. Bank is not responsible for and has no liability to you for any: (a) electronic virus or viruses that you may encounter; (b) computer virus or related problems that may be associated with the use of Online Banking or the Services; or (c) damage or any other loss directly or consequentially, which you may suffer or incur by reason of your use or a third party’s use of the computer or software.

You acknowledge that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) software, hardware and equipment which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of Online Banking. *For additional system and software requirement information applicable to online enrollment and E-Sign Consent, please refer to the ESign Consent disclosure.

5. ONLINE BANKING ACCOUNT OWNER INFORMATION You authorize any individual who is an owner or authorized signer on a Designated Account to use Online Banking and to access that Designated Account through Online Banking. Each individual who is authorized to use Online Banking is an Online Bank user. If an Online Bank user desires to use the Express Transfer or Scheduled Transfer feature, the user will need the required withdrawal authority over the Designated Account to be able to complete the transfer. By using Online Banking, you agree to maintain one or more Designated Accounts with Bank and to keep sufficient balances in any Designated Account to cover any transaction and fees that are ultimately approved by Bank or related to Online Banking. If a Designated Account added to Online Banking is jointly held or has multiple signers, you agree that access to the information and all transactions initiated by the use of your Access ID and Password are authorized unless Bank has been notified to cancel Online Banking.

6. ONLINE BANKING ACCESS ID AND PASSWORD To access Online Banking, an Online Bank user must use an Access ID and a Password. It is your responsibility to safeguard your Access ID and Password. Anyone to whom you give your Access ID and Password will have full access to all of your Designated Accounts, including the ability to view your transactions, check images, and move funds between your Designated Accounts, even if you attempt to limit that person's authority. You consent to disclosure of your customer information to all Online Banking users and those individuals who receive an Access ID and Password from you or another Online Banking user. You agree to indemnify and hold Bank harmless for any and all acts of Online Banking users and any other individual who receives an Access ID and Password from you or another Online Banking user. If you have given someone your Access ID and Password or other means of access and want to terminate that individual’s authority, you must change your Access ID and Password or other means of access or take additional steps to prevent further access by such person.

7. INTERNET SECURITY Bank will never contact you to ask for your Access ID or Password. If you are approached by anyone to provide your Access ID and/or Password, do not provide this information. Contact the Bank immediately, as you could be the victim of attempted fraud or identity theft. You can contact Bank by calling 888-880-5663. Data security is provided on multiple levels: by firewall, network monitoring, and application level security. A. Layered Authentication Layered authentication is a security management technique in which the identity of an individual is verified by more than one authentication process. This security feature is designed to protect the privacy and security of your personal information. The display of an authentication image and pass phrase will verify you are at Bank’s Web Site, not a fraudulent look-alike site. The challenge questions/answers are used to identify you and prevent unauthorized access to your information. Registering the computer(s) you normally use to access your information provides additional security to verify your identity. The authentication image or picture is defaulted and cannot be changed during the establishment of layered authentication. Once you have completed the authentication process, you may select another image from the “Change Security Data” option on the “Preferences” button. • The email address appears as stored in Online Banking. If this area is blank, enter your valid contact email address and confirm it. If the email address displayed is invalid, it can be corrected after completing the layered authentication enrollment and your access to your Designated Account(s). To correct your email address, select “Change E-mail Address” from the Preferences and complete the required information. • Enter an authentication pass phrase you will recognize during future logins, to 100 characters. • Select each challenge question and provide your answer, up to 83 characters. The challenge questions may be used to authenticate the user when accessing Online Banking from a nonregistered computer. • Select an option to register the computer you are currently using. The first option, "This is a Personal Computer. Register it." is selected for the personal computer used most often to access your Designated Account(s) via Online Banking. You may register more than one computer. The second option, "This is a Public Computer. Do Not Register it." is selected when you are accessing your Designated Account(s) from a computer used for a one-time access, such as from an Internet café or library. B. Firewall

2 Rev. 09.19 A firewall serves as a security gate between the Internet and Bank’s network that inspects data passing through it, and denies or permits passage based on a set of rules. By intercepting the data first, the firewall ensures that only data permitted by Bank’s rule set may be passed beyond the Internet to Bank’s secure web commerce server, and ultimately to Online Banking.

8. ELECTRONIC MAIL (E-MAIL) Bank will never send you an e-mail to ask for confidential information about you or any of your Designated Accounts. Furthermore, you cannot use an e-mail message to conduct transactions on your Designated Accounts. You must notify Bank about any change in your e-mail address. You may do so by: (a) e-mailing Bank at [email protected]; (b) by phone at 888-880-5663; (c) by writing to Bank at: Level One Bank – Online Banking, 32991 Hamilton Court, Farmington Hills, MI 48334; or (d) through Online Banking by clicking on "Preferences" on your Online Banking menu.

9. LIMITS ON ONLINE BANKING TRANSACTIONS You may use Online Banking to check the balances of your Designated Accounts and to transfer funds between your Designated Accounts. You must have available funds or available credit in any Designated Account from which you instruct Bank to make a payment or transfer. According to federal regulations, you may not make more than six (6) transfers or withdrawals from a market account or during a given monthly statement period. The transfers and withdrawals subject to this limitation are preauthorized or automatic transfers (including transfers made with Online Banking), transfers or withdrawals pursuant to a telephonic agreement, order or instruction, and checks, drafts, transactions, and similar transactions payable to third parties. If use of a Service results in a payment that is sent out by paper check, the paper check will count toward your total number of checks written in the statement period. There are no limits to the number of transfers or withdrawals from a checking account. Balances shown in your Designated Account(s) may include deposits subject to verification by Bank. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions, contact Bank at 888880- 5663. The balances are updated each Business Day and the Online Banking system will display the most current "as of" date on the "accounts" summary page. There may be situations that cause a delay in an update of your balances. Online Banking will use the most current balance available at the time of a transaction to base Bank’s approval of the transaction.

10. WARRANTIES AND REPRESENTATIONS You represent and warrant that: (a) you will use Online Banking and perform your obligations under this Online Banking Agreement consistent with all applicable Bank rules and regulations and all Applicable Laws; (b) all information that you provide Bank is accurate, timely, and has been authorized by you; (c) you will not use Online Banking for any illegal, fraudulent, unauthorized or improper manner or purpose; (d) you will not interfere in any manner in the provision of Online Banking, the security of Online Banking, or other customers of Online Banking, or otherwise abuse Online Banking; and (e) you will use Online Banking for consumer, personal or household purposes only. In the event that you breach any of the forgoing warranties, you agree to indemnify the Bank against any loss, liability, or expense.

11. DISCLAIMER OF WARRANTIES Online banking, and all of the services, options and features made available through online banking, are provided "as is" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

12. LIMITATION OF LIABILITY AND INDEMNIFICATION Except as stated in this online banking agreement or to the extent the law may require otherwise, you agree that bank will have no liability whatsoever to you or any third party because of acts, omissions, or policies of any governmental agency, or other party through which a funds transfer subject to the agreement is effected (whether or not selected by us), including the failure of any such institution, agency or party to account for or pay over the funds transferred. Bank will not be liable to you and you agree to indemnify and hold bank harmless from any liability for bank’s failure to comply with the terms of this online banking agreement because of legal constraint, interruption or failure of transmission and/or communications facilities, war (declared or not), emergencies, labor disputes, fire, acts of god, natural disasters or any other circumstances beyond bank’s control. In no event will bank be liable to you for: (1) any lost profits, consequential, incidental, special, punitive or indirect damages or losses, even if bank is advised of the possibility of such damages, except to the extent required by law; or (2) any amounts exceeding the amounts paid by you through online banking. You also agree to indemnify and hold bank, its subsidiaries, affiliates, officers, directors and attorneys harmless from and against any and all claims, actions, proceedings, costs, damages, losses, liabilities and expenses (including the payments of reasonable attorney’s and paralegal fees and other costs) arising out of or in connection with your or any online banking user’s instructions, access to and use of online banking, breach of this agreement, and/or violation of any applicable law or right of a third party. Any claim related to online banking must be initiated within one (1) year of the date you knew, or reasonably should have known, of the existence of such claim against bank.

3 Rev. 09.19 13. ONLINE BANKING AVAILABILITY AND CUT-OFF TIMES Online Banking is generally available twenty-four (24) hours a day, seven (7) days a week. However, Bank only processes transactions and updates information on Business Days. Bank’s primary banking offices are located in Michigan and its Business Day is based on the Eastern Daylight Time Zone. For posting purposes, Bank will process all transactions completed by 7:00 PM on that Business Day. Transactions completed after 7:00 PM, including transfers, will be processed on the following Business Day. There may be times when Online Banking will be unavailable due to routine system maintenance. This is usually done on the weekend at midnight or later but can change due to special circumstances. If Online Banking is unavailable for a prolonged period of time, Bank will post a notice on Bank’s website stating the times Online Banking is expected to be unavailable.

14. FEES FOR ONLINE BANKING Online Banking is available at no monthly charge. Bank reserves the right to change its fee schedule from time to time and your Designated Account will be charged in accordance with the new fee schedule after giving you proper notification.

15. ACCOUNT ALERTS Level One Bank offers the service for you to establish account alerts to be set up via Online Banking and/or Mobile Banking. All alerts are subject to the Alerts Terms and Conditions included within this Online Banking Agreement.

16. STATEMENTS You will receive Monthly Designated Account statements, unless there are no transfers in a particular month. In any case, you will receive the statement at least quarterly. You must examine your statement with “reasonable promptness.” Statements are a valuable tool to help prevent fraudulent or mistaken transfers. Your statement will show transactions that occurred in connection with your Designated Account during the statement period. Your statement will provide sufficient information for you to reasonably identify the items paid (item number, amount, and date of payment). You should keep a record of each transaction as it is made so that when Bank gives you the information in the statement, you will have a complete understanding of each transaction listed. If you discover, or reasonably should have discovered, any unauthorized signatures or alterations, you must promptly notify Bank of the relevant facts. As between you and Bank, and subject to Section 16, if you fail to perform your duties as set forth in this Section, you must bear the loss entirely yourself. The loss you might bear, in whole or in part, could be not only with respect to items listed on the statement but also other items with unauthorized signatures or alteration by the same wrongdoer. Upon notification the Bank will open an investigation and notify you of the outcome. Contact the Bank by calling 888-880-5663 if you do not receive your regular statement or to report any irregularities.

17. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF ACCESS ID OR PASSWORD If you believe your Access ID, Password, any required authentication information or other means of access to Online Banking, has been lost or stolen or that someone has used or may attempt to use them without your authorization, call the Bank immediately at 888-8805663. Immediately contacting Bank by phone is the best way of reducing your possible losses. You could lose all the money in your Designated Account (plus your maximum line of credit) if there is an unauthorized transfer. If you notify Bank of a loss, your liability for unauthorized transactions or payments will be as follows: (a) If you notify Bank within two (2) Business Days after you learn of the loss or theft of your Access ID and Password, you can lose no more than $50 if someone used your Access ID and Password without your permission. (b) If you do not notify Bank within two (2) Business Days after you learn of the loss or theft of your Access ID and Password, and Bank can prove it could have stopped someone from using your Access ID and Password without your permission if you had notified Bank, you could lose as much as $500. (c) If your Designated Account statement shows transfers or payments that you did not make, notify bank at once. If you do not notify Bank within sixty (60) days after the first statement showing such a transfer or payment was mailed or made available to you (whichever is earlier), you may not get back any money you lost after the sixty (60) days, if Bank can prove that Bank could have stopped someone from taking the money if you had told Bank in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling Bank, Bank will extend the time periods.

18. STOP PAYMENTS OF PREAUTHORIZED ELECTRONIC FUNDS TRANSFERS If you have instructed Bank in advance to make regular payments or other electronic funds transfers out of your Designated Account, such as Scheduled Transfers, you can stop these transfers by notifying the Bank orally by calling 888-880-5663 or by writing at 32991 Hamilton Ct, Farmington Hills, MI 48334 in time for Bank to receive your request three (3) Business Days or more before the payment or other EFT is scheduled to be made. If you notify Bank orally by telephone, you must also confirm your request in writing, and Bank must receive your written confirmation within fourteen (14) days of your oral request. We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Your stop payment order is effective for six months if it is given to us in writing or by another type of record (Generally, a “record” is information that is stored in such a way that it can be retrieved and can be heard or read 4 Rev. 09.19 and understood – you can ask us what type of stop payment records you can give us). Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop-payment order was oral your stop-payment order will lapse after 14 calendar days if it is not confirmed in writing or by another type of record within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). Bank will charge you a fee per our previously disclosed fee schedule for each stop-payment order.

19. BANK LIABILITY IF BANK FAILS TO MAKE CERTAIN TRANSFERS If Bank does not complete a transfer to or from your Designated Account on time or in the correct amount when you have properly instructed Bank to do so, Bank will be liable to you for damages which you prove are directly caused by Bank’s action or omission. However, there are some exceptions. Bank will not be liable, for instance, if: (a) Through no fault of Bank, you do not have enough money in your Designated Account to make the transfer. (b) The transfer would go over the on your overdraft line. (c) The Online Banking system, any electronic terminal, telecommunication device, or any part of the electronic fund transfer system is not working properly and you knew about the problem when you started the transfer. (d) Circumstances beyond Bank’s control (such as fire, flood, interruption in communication lines) prevent the transfer, despite reasonable precautions that has have taken. (e) The money in your Designated Account is subject to legal process or other encumbrances restricting the transfer. (f) Other exceptions as stated in this Agreement apply.

20. ERRORS AND QUESTIONS In case of errors or questions about your transactions, contact Bank as soon as possible by calling: 888-880-5663 or writing Bank at: Level One Bank, Attn: Online Banking, 32991 Hamilton Court, Farmington Hills, MI 48334. Notify Bank immediately if you think your statement is wrong or if you need more information about a transaction listed on the statement. Bank should hear from you no later than sixty (60) days after the first statement was sent or made available to you on which the problem or error first appeared. You must: (a) Tell Bank your name and account number; (b) 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; and (c) Tell Bank the dollar amount of the suspected error. If you tell Bank orally, Bank may require that you send Bank your complaint or question in writing within ten (10) Business Days. Bank will determine whether an error occurred within ten (10) Business Days (twenty (20) Business Days for new Designated Accounts) after Bank hears from you and will correct any error promptly after determining that an error has occurred. If Bank needs more time, however, Bank may take up to fortyfive (45) days (ninety (90) days for new Designated Accounts) after Bank hears from you to investigate your complaint or question. If Bank decides to it requires more time to investigate, the Bank will provisionally credit your Designated Account within ten (10) Business Days (twenty (20) Business Days for new Designated Accounts) for the amount you think is in error, so that you will have use of the money during the time it takes Bank to complete Bank investigation. If Bank asks you to put your complaint or question in writing and Bank does not receive it within ten (10) Business Days, Bank may not credit your Designated Account for thirty (30) days after the first deposit is made, if you are a new customer. Bank will tell you the results within three (3) Business Days after completing its investigation. If Bank decides that there was no error, Bank will send you a written explanation. You may ask for copies of the documents that Bank used in its investigation. If there is no error found, you will be obligated to reimburse the Bank for any amount of credit issued to your Designated Account.

21. PRIVACY STATEMENT Bank understands how important privacy is to you. Bank has taken steps to insure your security and privacy for your personal and financial dealings with the Bank. Bank’s privacy statement can be obtained at https://www.levelonebank.com/privacy.htm

22. SIGNATURE REQUIREMENTS When Online Banking generates items to be charged to your Designated Account, you agree that Bank may debit the Designated Account, or the account on which the item is drawn, without requiring your signature on the item and without any notice to you.

23. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES Bank may disclose information to third parties about your Designated Account(s) and/or the transaction(s) you make if at least one (1) of the following applies: (a) It is necessary to complete a transaction. (b) To verify the existence and condition of your Designated Account(s) to a third party such as a credit bureau or merchant. (c) To comply with a governmental agency or court order. 5 Rev. 09.19 (d) If permission is given to Bank by you, which Bank may require to be in writing. (e) To collect information for internal use, the use of Bank service providers, and Bank servicing agents and contractors concerning Bank’s electronic funds transfer service. (f) It involves a claim by or against Bank concerning a deposit to or withdrawal from your Designated Account. (g) Where otherwise required or permitted under Applicable Law.

24. LOSS OF DATA You agree that, should your data be lost or destroyed as a result of a failure or interruption of your computer systems, you are responsible for all consequences resulting from such systems failure or interruption. You are responsible for verifying the accuracy and completeness of all transactions conducted through Online Banking, including those affected by any system failure or interruption.

25. BANK’S OBLIGATION TO CONDUCT TRANSACTIONS Bank is not obligated to conduct any transaction or act on any instruction which does not comply with the terms and conditions of your Account Agreements. Bank may also refuse to honor any transaction Bank has reason to believe may not be authorized by you or any other party whose authorization may be necessary to effect the transaction. Bank will not honor any transaction, including that which involves funds subject to hold, , or other restriction or legal process that Bank believes prevents the funds’ withdrawal or transfer. Bank will not honor any transaction or instruction that is in violation of any Applicable Law, regulation, or Bank policy, procedure or practice. Bank will not honor any transaction or instruction that Bank has reasonable cause not to honor.

26. LINKS TO OTHER WEBSITES Online Banking may contain links to other third party websites. Unless noted otherwise, Bank is not affiliated with, nor does the Bank sponsor or endorse any of these sites, and provides such links solely for your convenience. Your use of these sites is at your own risk, and in no event shall Bank be responsible or liable for any information, content, products, services, practices or other materials on or available from or through such sites.

27. OWNERSHIP OF MATERIAL Bank is a member of the Fiserv network and Bank’s Online Banking is a product of Fiserv. The images, text, screens, and web pages appearing on Online Banking are owned by Bank, or others, and are protected by copyright laws. You agree not to copy, display, distribute, download, license, sub-license, modify, publish, repost, reproduce, reuse, sell, transmit, create a derivative work from or otherwise use for public or commercial purposes, the information and materials on the sites, without Bank’s express written permission. Unless otherwise noted, all other trademarks, service marks, and logos used on the sites are the trademarks, service marks or logos of Bank, or others as indicated.

28. POWER OF ATTORNEY If you grant a power of attorney to someone (an “attorney-in-fact”) in connection with a Designated Account, the following conditions apply: (a) Bank may refuse to allow the attorney-in-fact to enroll for Online Banking on your behalf; (b) Bank may refuse to allow the attorney-in-fact to add his or her name to Online Banking; (c) you may give an attorney-in-fact access to Online Banking by providing him or her with the Access ID, Password and any other required authentication information needed to access Online Banking (note: Bank will not provide that information under any circumstances); and (d) if the power of attorney is revoked, you agree to change the Password or any other required authentication information immediately so that the former attorney-in-fact can no longer access Online Banking.

29. NOTICES Any required notice or other communication will be addressed and delivered to you at the address on file with the Bank or, if permitted by law, via electronic mail. You are responsible for notifying the Bank of any change in physical, mailing, or e-mail address.

30. GOVERNING LAW This Online Banking Agreement shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to conflict or of laws rules. To the extent that the terms of this Online Banking Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law.

31. ASSIGNMENT You may not assign this Online Banking Agreement to any other party. Bank may assign this Online Banking Agreement to any future, directly or indirectly, affiliated company.

32. WAIVER The failure of Bank to enforce any right or provision in this Online Banking Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Bank in writing. No waiver shall be implied from a failure of Bank to exercise a right or remedy. In addition, no waiver of Bank’s right or remedy will affect the other provisions of this Online Banking Agreement.

6 Rev. 09.19 33. SEVERABILITY To the extent possible, each provision of the Online Banking Agreement shall be interpreted in such manner as to be effective and valid under Applicable Law, but if any provision shall be held to be invalid, illegal or unenforceable, such provision shall be ineffective only to the extent of such invalidity, illegality or unenforceability, without rendering invalid, illegal or unenforceable the remainder of any such provision or the remaining provisions of the Online Banking Agreement.

34. CANCELLATION AND TERMINATION OF ONLINE BANKING SERVICES You may cancel Online Banking at any time by: (a) contacting Bank by phone at: 888-880-5663; or (b) writing Bank at: Level One Bank, Attn: Online Banking, 32991 Hamilton Court, Farmington Hills, MI 48334. If you cancel, Bank will terminate your access to Online Banking and other Services.

Bank may terminate the Online Banking Agreement and/or cancel your Online Banking access, in whole or in part, at any time without prior notice due to insufficient funds in one or more of your Designated Accounts or other circumstances that may create an unanticipated liability to Bank. If a Designated Account is closed for any reason, you may continue to access Online Banking for access to your account(s) historical data. Additionally, if you do not use Online Banking for any consecutive six (6) month period, Bank may deactivate your Online Banking access. You will remain responsible for all transactions approved by Online Banking prior to the termination and/or cancellation of the Online Banking Agreement and/or Online Banking, and for any fees associated with Online Banking. To reinstate Online Banking, contact Bank at 888-880-5663.

35. AMENDMENTS Bank may, from time to time, add, delete or change the terms of this Online Banking Agreement in its sole discretion by providing you with notice. Such changes will become effective on the date indicated on the notice. Any use of Online Banking after Bank provides you with a notice of change will constitute further evidence of your agreement to such change(s). From time to time, Bank may revise or update the options, features, services and/or related material, which may render all such prior versions obsolete. Consequently, Bank reserves the right to terminate this Online Banking Agreement as to all such prior versions of the options, features, services and/or related material and limit access to only our more recent revisions and updates.

36. HEADINGS The headings of sections are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Online Banking Agreement.

37. JURY TRIAL WAIVER You and Bank acknowledge that the right to trial by jury is a constitutional one, but that it may be waived. You and Bank, each after consulting or having had the opportunity to consult with counsel of your choice, knowingly and voluntarily, and for their mutual benefit, each waive any right to trial by jury in the event of controversy, dispute, claim or litigation regarding the performance or enforcement of, or in any way related to, the Designated Account, Online Banking, the Services and the Online Banking Agreement.

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

SERVICE DEFINITIONS "Service" or "The Service" means the bill payment service offered by Level One Bank, through CheckFree Services Corporation, a subsidiary of Fiserv Solutions, Inc . "Agreement" means these terms and conditions of the bill payment service. "Customer Service" means the Customer Service department of Level One Bank. Please see the ERRORS AND QUESTIONS section below for Customer Service contact information. "Biller" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be. "Payment Instruction" is the information provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date). "Payment Account" is the checking account from which bill payments will be debited. "Billing Account" is the checking account from which all Service fees will be automatically debited. "Business Day" is every Monday through Friday, excluding holidays. "Scheduled Payment Date" is the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day. "Due Date" is the date reflected on your Biller statement for which the payment is due; it is not the late date or . "Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.

7 Rev. 09.19 PAYMENT SCHEDULING The earliest possible Scheduled Payment Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.

THE SERVICE GUARANTEE Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives. The Service generally will default payment from your initially established payment account (primary account). In the event multiple payment accounts are established within the Service, it is your responsibility to ensure the appropriate payment account is selected. Closure of your payment account at your Financial Institution may not automatically remove this account from the default primary account setting within the Service, and the account may still be viewable as a payment account. When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances: 1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account; 2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; 3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller; and/or, 4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

PAYMENT METHODS The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a draft payment. (funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to your financial institution for payment).

PAYMENT CANCELLATION REQUESTS You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

STOP PAYMENT REQUESTS The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

PROHIBITED PAYMENTS

8 Rev. 09.19 Payments to Billers outside of the United States or its territories are prohibited through the Service.

EXCEPTION PAYMENTS Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.

BILL DELIVERY AND PRESENTMENT This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following: Information provided to the Biller - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information. Activation - Upon activation of the electronic bill feature the Service may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills. Authorization to obtain bill data - Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification - The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation. Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly. Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly. This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

EXCLUSIONS OF WARRANTIES THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

PASSWORD AND SECURITY You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 855-693-3140 during Customer Service hours.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of

9 Rev. 09.19 your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

ERRORS AND QUESTIONS In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following: 1. Telephone us at 855-693-3140 during Customer Service hours; 2. Contact us by using the application's e-messaging feature; and/or, 3. Write us at: Level One Bank 32991 Hamilton Ct. Farmington Hills, MI 48334 If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must: 1. Tell us your name and Service account number; 2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations: 1. Where it is necessary for completing transactions; 2. Where it is necessary for activating additional services; 3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller; 4. To a consumer reporting agency for research purposes only; 5. In order to comply with a governmental agency or court orders; or, 6. If you give us your written permission.

SERVICE FEES AND ADDITIONAL CHARGES Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

FAILED OR RETURNED TRANSACTIONS In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that: 1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service; 2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; 3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return; 4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and, 5. The Service is authorized to report the facts concerning the return to any credit reporting agency.

ALTERATIONS AND AMENDMENTS This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your

10 Rev. 09.19 agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.

ADDRESS OR BANKING CHANGES It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION In the event you wish to cancel the Service, please contact Customer Service via one of the following: 1. Telephone us at 855-693-3140 during Customer Service hours; or, 2. Write us at: Level One Bank 32991 Hamilton Ct. Farmington Hills, MI 48334 Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

BILLER LIMITATION The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

RETURNED PAYMENTS In using the Service, you understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. You may receive notification from the Service.

INFORMATION AUTHORIZATION Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. In order to verify ownership of the Payment Account(s) and/or Billing Account, the Service may issue offsetting debits and credits to the Payment Account(s) and/or Billing Account, and require confirmation of such from you. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

DISPUTES In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

ASSIGNMENT You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

NO WAIVER The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

CAPTIONS The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

11 Rev. 09.19

GOVERNING LAW This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

LEVEL ONE BANK ALERTS TERMS AND CONDITIONS Alerts. Your enrollment in Level One Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Level One (s). Alerts are provided within the following categories:

• Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.

• Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.

• Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Manage Alerts menu within Level One Bank Online Banking and Manage Alerts menu within Level One Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Level One Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Level One Bank Online Banking message in- box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 99588 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab Level One Bank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 1-888-880-5663. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Level One Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Level One Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Level One Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

12 Rev. 09.19

ACCOUNT TO ACCOUNT TRANSFERS ADDITIONAL TERMS

(Transfer Now ®)

1 Description of Service, Authorization and Processing.

a. This Terms of Use document (hereinafter “Agreement”) is a contract between you and Level One Bank (hereinafter “we” or “us”) in connection with the Account to Account Transfers (TransferNow®) Service offered through our online banking site or mobile applications (The “Site”) ( the “Service”). This Agreement applies to your use of the Service and the portion of the Site through which the Service is offered.

b. The term “Transfer Money Terms” means these Account to Account Transfers Additional Terms. The Account to Account transfer service (for purposes of these Transfer Money Terms, and the General Terms as they apply to these Transfer Money Terms, the "Service") enables you to transfer funds between your Account(s) that you maintain with us on the one hand, and your Account(s) that are maintained by other financial institutions, on the other hand. By use of this Service, you agree to all terms, liabilities, warranties, and notices included within this Account to Account Transfers Additional Terms as well as included within the Level One Bank Online Banking Agreement and Disclosure (and any subsequent referenced account disclosures provided to you). You represent and warrant that you are either the sole owner or a joint owner of the Eligible Transaction Account and the External Account and that you have all necessary legal right, power and authority to transfer funds between the Eligible Transaction Account and the External Account. If you are a joint owner of the Eligible Transaction Account, External Account, or both, then you represent and warrant that (i) you have been authorized by all of the other joint owners to operate such Accounts without their consent (including without limitation to withdraw or deposit any amount of funds to such Accounts or to even withdraw all funds from such Accounts); and (ii) we may act on your instructions regarding such Accounts without liability to such other joint owners. Further, you represent and warrant that the External Account is located in the United States.

c. When we receive a Transfer Instruction from you, you authorize us to (i) debit your Eligible Transaction Account and remit funds on your behalf to the External Account designated by you and to debit your applicable Account as described below in Section 5 of the Transfer Money Terms (Service Fees and Additional Charges); or, as applicable, to (ii) credit your Eligible Transaction Account and remit funds on your behalf from the External Account designated by you and to debit your applicable Account as described below in Section 5 of the Transfer Money Terms (Service Fees and Additional Charges). You also authorize us to reverse a transfer from the applicable Account if the debit is returned from the other Account in the transaction for any reason, including but not limited to nonsufficient funds.

d. Although the ACH Network is often used to execute the Service other Payment Networks may be used to facilitate the execution and transmission of payment instructions. All payments must be made through the Site and are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time.

e. We are offering you the Service through one or more Service Providers that we have engaged to render some or all of the Service to you on our behalf. You agree that we have the right under this Agreement to delegate to Service Providers all of the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides to us.

f. We will use reasonable efforts to make all your transfers properly. However, we shall incur no liability if we are unable to complete any transfers initiated by you because of the existence of any one or more of the following circumstances:

1. If, through no fault of ours, the Eligible Transaction Account or External Account does not contain sufficient funds to complete the transfer or the transfer would exceed the credit limit of your overdraft account;

2. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;

3. The transfer is refused as described in Section 6 of the Transfer Money Terms below;

4. You have not provided us with the correct information, including but not limited to the correct Eligible Transaction Account or External Account information; and/or,

5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution(s), or interference from an outside force) prevent the proper execution of the transfer and we have taken reasonable precautions to avoid those circumstances.

13 Rev. 09.19 6. Any other circumstances as included within Section 19 (Bank Liability if Bank Fails to Make Certain Transfers) of our Level One Bank Online Banking Agreement and Disclosure.

g. It is your responsibility to ensure the accuracy of any information that you enter into the Service, and for informing us as soon as possible if you become aware that this information is inaccurate. You may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a transfer made to the wrong Account once informed, but we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by you.

h. You may view your Account to Account transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

i. The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an Eligible Transaction Account in the name of the minor with a parent or guardian as a co-signor or guarantor. By using the Service, you represent that you meet these requirements and that you agree to be bound by this agreement.

2 Transfer Methods and Amounts. There are limits on the amount of money (or, as applicable in some cases, gift card value) you can send or receive through our Service. Your limits may be adjusted from time-to-time at our sole discretion. You may log in to the Site to view your individual transaction limits. We also reserve the right to select the method in which to remit funds on your behalf though the Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to us the method to return funds to you.

3 Transfer Cancellation Requests and Refused Transfers. You may cancel a transfer at any time until it begins processing (as shown in the Service). We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied transfer to your Account that we debited for the funds transfer. If this is unsuccessful (for example, the Eligible Transaction Account has been closed) we will make reasonable attempts to otherwise return the funds to you.

4 Stop Payment Requests. If you desire to stop any transfer that has already been processed, you must contact customer care for the Service pursuant to Section 18 of the Level One Bank Online Banking Agreement and Disclosure. Although we will make a reasonable effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within fourteen (14) days. The charge for each request will be the current charge for such service as set out in the applicable fee schedule.

5 Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the Service. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Service or Site. Any applicable fees will be charged regardless of whether the Service was used, except for fees that are specifically use-based. Use-based fees for the Service will be charged against the Account that is debited for the funds transfer. There may also be charges for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from the applicable Eligible Transaction Account you hold with us or the Account that is debited for the funds transfer, depending on how such charges are described in the user interface for the Service. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and Internet service provider. Section 8 (Failed Or Returned Payment Instructions) applies if you do not pay our fees and charges for the Service, including without limitation if we debit the External Account for such fees, as described in this Section, and there are insufficient fees in the External Account; Section 8 should be interpreted as applying to the External Account, not just the Eligible Transaction Account, in such circumstances.

6 Refused Transfers. We reserve the right to refuse any transfer. We will notify you promptly if we decide to refuse to transfer funds. This notification is not required if you attempt to make a transfer that is not allowed under this Agreement.

7 Returned Transfers. In using the Service, you understand transfers may be returned for various reasons such as, but not limited to, the External Account number is not valid. We will use reasonable efforts to research and correct the transfer to the intended Account or void the transfer and credit your Account from which you attempted to transfer funds. You may receive notification from us.

8 Failed or Returned Payment Instructions. In using the Service, you are requesting us to attempt to make payments for you from your Eligible Transaction Account. If we are unable to complete the Payment Instruction for any reason associated with your Eligible Transaction Account (for example, there are insufficient funds in your Eligible Transaction Account, or the Payment Instruction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment), the Payment Instruction may or may not be completed. In certain circumstances, we will attempt to debit the Eligible Transaction Account a second time to complete the Payment Instruction. In some instances, you will receive a return notice from us. In each such case, you agree that:

14 Rev. 09.19 a. You will reimburse us or our Service Provider immediately upon demand the amount of the Payment Instruction if we have delivered the payment but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow us to complete the debit processing;

b. For any amount not reimbursed after the initial notification, additional fees or charges for any unpaid amounts may be imposed by us or our Service Provider;

c. You may be assessed a fee by our Service Provider and by us if the Payment Instruction cannot be debited because you have insufficient funds in your Eligible Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment, or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your fee schedule from us (including as disclosed on the Site) or your account agreement with us. You hereby authorize us to deduct these amounts from your designated Eligible Transaction Account, including by ACH debit;

d. You will reimburse us and our Service Provider for any fees or costs we incur in attempting to collect any amounts from you; and

e. We and our Service Provider are authorized to report the facts concerning the return to any credit reporting agency.

9 Errors and Questions

In case of errors or questions about your transactions, contact Bank as soon as possible by calling: 888-880-5663 or writing Bank at: Level One Bank, Attn: Online Banking, 32991 Hamilton Court, Farmington Hills, MI 48334.

Notify Bank immediately if you think your statement is wrong or if you need more information about a transaction listed on the statement. Bank should hear from you no later than sixty (60) days after the first statement was sent or made available to you on which the problem or error first appeared. You must:

(a) Tell Bank your name and account number; (b) 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; and (c) Tell Bank the dollar amount of the suspected error.

If you tell Bank orally, Bank may require that you send Bank your complaint or question in writing within ten (10) Business Days. Bank will determine whether an error occurred within ten (10) Business Days (twenty (20) Business Days for new Designated Accounts) after Bank hears from you and will correct any error promptly after determining that an error has occurred. If Bank needs more time, however, Bank may take up to forty-five (45) days (ninety (90) days for new Designated Accounts) after Bank hears from you to investigate your complaint or question. If Bank decides to it requires more time to investigate, the Bank will provisionally credit your Designated Account within ten (10) Business Days (twenty (20) Business Days for new Designated Accounts) for the amount you think is in error, so that you will have use of the money during the time it takes Bank to complete Bank investigation.

If Bank asks you to put your complaint or question in writing and Bank does not receive it within ten (10) Business Days, Bank may not credit your Designated Account for thirty (30) days after the first deposit is made, if you are a new customer.

Bank will tell you the results within three (3) Business Days after completing its investigation. If Bank decides that there was no error, Bank will send you a written explanation. You may ask for copies of the documents that Bank used in its investigation. If there is no error found, you will be obligated to reimburse the Bank for any amount of credit issued to your Designated Account.

10 Address or Banking Changes

It is your sole responsibility and you agree to ensure that the contact information in your bank records is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. You can visit any of our banking centers or contact us for further directions to change your contact information by calling 888-880-5663.

11 Information Authorization

Your enrollment in the Service may not be fulfilled if we cannot verify your identify or other necessary information. Through your enrollment in the Service, you agree that we reserve the right to request a review of your credit rating at our own expense through an authorized buruau. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Eligible Transaction Account or the External Account. You further understand and agree that we reserve the right to use personal information about you for our and our Service Provider’s every business purposes, such as to maintain your ability to access the Service, to authenticate you when you log in, to send you information about the Service, to perform fraud screening, to verify your identity, to determine your 15 Rev. 09.19 transaction limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to enforce this Agreement, to protect our rights and property, and to customize, measure, and improve the Service and the content and layout of the Site. Additionally, we and our Service Providers may use your information for risk management purposes and may use, store and disclose your information acquired in connection with this Agreement as permitted by applicable law, including (without limitation) any use to effect, administer, or enforce a transaction or to protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability. We and our Service Providers shall have the right to retain such data even after termination or expiration of this Agreement for risk management, regulatory compliance, audit reasons, and as permitted by applicable law for everyday business purposes. In addition, we and our Service Providers may use, store and disclose such information acquired with the Services in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis, and to analyze the performance of the Services.

12 Definitions

"Account" means a checking, money market or savings account that is either an Eligible Transaction Account or External Account, as applicable.

“Business Day” is every Monday through Friday, excluding Federal Reserve holidays or other days that the are legally closed.

"Eligible Transaction Account" is a transaction account from which your payments will be debited, your Service fees, if any, will be automatically debited, or to which payments and credits to you will be credited, that is eligible for the Service. An Eligible Transaction Account may include a checking, money market or other direct , including any required routing information.

"External Account" is your account at another financial institution (i) to which you are transferring funds from your Eligible Transaction Account; or (ii) from which you are transferring funds to your Eligible Transaction Account.

"Service Provider" means companies that we have engaged (and their Affiliates) to render some or all of the Service to you on our behalf.

"Transfer Instruction" is a specific Payment Instruction (defined as the information provided for a payment to be made under the applicable Service, which may be further defined and described below in connection with a specific Service.) that you provide to the Service for a transfer of funds

MOBILE BANKING TERMS AND CONDITIONS

Level One Bank offers Mobile Banking combined with your handheld's text messaging capabilities and through our Level One Bank Mobile App. Message & Data rates may apply. For help, text "HELP" to 99588. To cancel, text "STOP" to 99588 at any time. In case of questions please contact customer service at 888-880-5663 or 248-737-0300 or visit www.levelonebank.com.

Program: Level One Bank offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS and through our Mobile Banking App, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

Questions: You can contact us at 888-880-5663 or 248-737-0300, or send a text message with the word "HELP" to this number: 99588. We can answer any questions you have about the program.

Text messaging To stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 99588. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless. Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of Level One Bank or any service provider.

16 Rev. 09.19 Privacy and User Information: You acknowledge that in connection with your use of Mobile Banking, Level One Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Level One Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Level One Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use: You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Level One Bank (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Level One Bank or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographicrelated (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancel bots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Level One Bank, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at https://www.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google.

Limitations of Terms and Conditions: These Terms and Conditions are solely for download and usage of the Mobile Banking services. This Mobile Banking app is only available for consumer online banking customers. Some services within Level One Bank Mobile Banking require additional acknowledgement of the services terms of usage and (if applicable) acknowledgement of any applicable fees and service charges. Please contact a Level One Bank representative at 888-880-5663 or 248-737-0300 for additional information regarding the additional services and any fees associated with its usage.

MOBILE DEPOSIT

Features and Services - Mobile Deposit is a service offered through Level One Mobile Banking for increased convenience of check deposits. Mobile Deposit allows the deposit of checks into certain accounts with use of a mobile device camera and the Level One Bank Mobile Application or “Mobile App”. Using Mobile Deposit requires consumers to be a Level One Bank account holder and to have agreed to any applicable terms and conditions presented by the Bank. Mobile Deposit is available to consumer online banking customers with the mobile application and requires Bank approval. A consumer account should be established and in good standing, at minimum, 60 days to obtain Mobile Deposit. Access may be denied or deactivated at any time. Level One Bank has the right to modify, add, or remove portions of this service or end the service at any time without notice for suspected fraud, misuse, excessive or returned items or for any other reasons based upon their sole discretion. Mobile deposit users will see the “deposit” option when using mobile banking.

Deposit Limits - Mobile deposits are limited to a maximum of $2,500.00 per item and/or a maximum of $2,500.00 per day. Items and/or deposits over these set limits will be rejected through Mobile Deposit but may be brought to a Banking Center for review and processing. Level One Bank may establish limits on the number of checks or the total amount of checks deposited using Mobile

17 Rev. 09.19 Deposit. These limits may change from time to time without notice to the account holder. Mobile deposits within the item deposit limit and daily deposit limit will be electronically transmitted to the Bank for review, approval and processing.

Types of Checks - Only checks can be deposited using Mobile Deposit, however, there are some checks that cannot be deposited. These include: checks payable to any person or entity other than the account holder, checks containing any alteration which may be fraudulent or not authorized by the account owner on which the check is drawn, any checks that are not in original form with a signature, such as substitute checks or remotely created checks, and checks written off an account at a financial institution located outside the United States and/or not payable in United States . Note that any check deposit received through Mobile Banking is subject to verification by Level One Bank. An item may be rejected for deposit for any reason and Level One Bank will not be liable to the account holder. In such a case, the item can be deposited using other means, such as visiting a Level One Banking Center.

Availability of Funds - Deposits made and accepted by the Bank through Mobile Deposit will generally be available the second business day after the day they have been approved and accepted by the Bank for processing. Any delays in processing, once the items have been reviewed and accepted, would be due to emergencies such as failure in communications or computer equipment. Due to these exceptions outside of Bank control, it is the responsibility of the account holder to review the account history to ensure the deposits have been accurately posted and available in the account prior to usage of the funds.

Cut off Times for Deposits - Mobile deposits are subject to processing time limitations and Bank review and approval prior to crediting to the account. The cutoff for deposits is 4:00 pm E.S.T during normal business days. Business days consist of Monday through Friday, with the exclusion of Federal Holidays, unless posted otherwise at the Banking Center. If a deposit is made before 4:00pm E.S.T on a business day, that day will be considered the day of your deposit. However, if a deposit is made after 4:00pm E.S.T, the following business day will be considered the day of deposit.

Destruction of Original Checks - Checks must be retained by the account holder until they have reviewed the account history to ensure the transaction was approved and accurately credited to the account. Once a check has been deposited successfully, we recommend storing the check in a secure location for 14 days. After 14 days and after confirmation that the deposited funds have been applied to the account correctly, the check should be destroyed. Destruction prevents the item from being presented for deposit at another time. Shredding is one way of destruction. The account holder is liable for checks that are presented more than once.

Rejected Deposits - Deposits may be rejected at the Bank’s sole discretion. Rejected deposits are those not approved and accepted by the Bank and will not be submitted for processing. It is the responsibility of the account holder to review the account history to ensure the deposits have been accurately posted prior to usage of the funds. Reasoning for rejected deposits will not be available through Mobile Banking and/or Mobile Deposit, however, they include, but are not limited to, the following: 1.) Missing full endorsement 2.) Endorsement does not match the payee 3.) Check payee does not match the customer name on file 4.) Check previously returned NSF 5.) Amount entered and/or numeric amount does not match the written value 6.) Check cashed and/or deposited via another method of negotiation 7.) Previous checks returned unpaid on account 8.) Overdrawn account repeatedly within the past 6 months 9.) Erasures or alterations on the check 10.) Check postdated or stale date 11.) Confidential information check may not be paid A rejected deposit item must be brought to a Banking Center for review and processing. Deposits brought to a Banking Center are not guaranteed for immediate availability and are fully subject to the previously disclosed Funds Availability Policy.

Errors - The account holder is responsible for notifying Level One Bank of any errors (or suspected errors) related to the items deposited through Mobile Deposit as soon as possible after they occur, and in no event later than 60 days after the Level One is sent. For additional questions regarding Mobile Deposit please contact your nearest Banking Center or call us toll free at 888-880-5663.

E-SIGN DISCLOSURE AND CONSENT Please read this E-Sign Disclosure and Consent (“E-Sign Consent”) carefully and retain a copy for your records. To retain a copy of this E-Sign Consent, save it to the hard drive on your personal computer or print it using your browser’s print feature. CONSENT TO ELECTRONIC DELIVERY OF DISCLOSURES AND NOTICES Level One Bank (the “Bank”) may provide the Online Banking Agreement and Disclosure (“Online Banking Agreement”) and amendments to the Online Banking Agreement to you in electronic form. However, in order to do so, the Bank must obtain your affirmative consent to receiving them electronically.

18 Rev. 09.19 If you do consent, you are agreeing that the Bank can deliver the Online Banking Agreement and all future notices, disclosures, communications, alterations, amendments and/or changes concerning the Online Banking Agreement or this E-Sign Consent (“Future Changes”) to you electronically until you expressly withdraw your consent pursuant to this E-Sign Consent. You can consent to receiving the Online Banking Agreement and Future Changes electronically by clicking “I Accept” below. If you do not consent, you will not be able to register for Online Banking. To decline consent, exit this browser session prior to clicking “I Accept” below. If you exit the session without agreeing to this E-Sign Consent, you will not be registered for Online Banking. SCOPE OF CONSENT Your consent under the terms of this E-Sign Consent applies to the Online Banking Agreement and Future Changes. PAPER DELIVERY OF DISCLOSURES AND NOTICES You have a right to receive paper copies of this E-Sign Consent, the Online Banking Agreement and Future Changes. However, paper copies will not be mailed to you, unless you specifically request them. To receive paper copies of the E-Sign Consent, the Online Banking Agreement or Future Changes at no charge, contact the Bank at 888-880-5663, or send an email to: [email protected] or write to: Level One Bank, 32991 Hamilton Court, Farmington Hills, MI 48334. You may also print these documents by selecting the print option from your browser.

HARDWARE AND SOFTWARE REQUIREMENTS TO ACCESS AND RETAIN INFORMATION In order to use Online Banking and to receive electronic copies of the Online Banking Agreement and Future Changes, you must have the following hardware and software:

• A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your computer/device meets these requirements.

• Internet access and an Internet browser that supports HTML 4.0, TLS 1.2 encryption, and cookies.

• The latest version of the following Internet web browsers are compatible with Bank’s Online Banking system:

• Microsoft Internet Explorer (IE) • Mozilla Firefox • Opera • Apple Safari • Google Chrome

Certain older versions of web browsers may not be supported. If you are using an outdated version, you may need to update it in order to access your account(s) online. Online Banking may not produce desired results using other Internet web browser versions. You must have software which permits you to receive and access Portable Document Format or “PDF” files, such as the most recent Adobe® Acrobat Reader® (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html).

You confirm that your computer/device will meet these requirements and will permit you to access and retain this E-Sign Consent, the Online Banking Agreement and Future Changes electronically. WITHDRAWAL OF ELECTRONIC ACCEPTANCE OF DISCLOSURES AND NOTICES After you consent to receiving the Online Banking Agreement and Future Changes electronically by clicking “I Accept” below, you can withdraw your consent to receive the Online Banking Agreement and Future Changes electronically in one of the following ways:

• Write to Bank: Level One Bank, 32991 Hamilton Court, Farmington Hills, MI 48334 • Email: [email protected] Your withdrawal of consent shall be effective within a reasonable time after receipt by Bank. NOTIFICATION OF A CHANGE IN E-MAIL ADDRESS Future Changes will be sent to the email address that Bank has on record for you. You assume responsibility for providing a valid email address and retrieving messages from your e-mail account. You must notify Bank of any change in your e-mail address by sending an email to: [email protected] or by writing to Level One Bank, 32991 Hamilton Court, Farmington Hills, MI 48334. CONSENT By clicking the “I Agree” below, you consent to the electronic delivery of the Online Banking Agreement and Future Changes. You also agree that Bank does not need to provide you with a paper (non-electronic) copy of the Online Banking Agreement or any Future Changes, unless specifically requested. Your consent is valid until the earlier of: (i) your withdrawal of consent pursuant to the procedure above; or (ii) termination of the Online Banking Agreement pursuant to the terms of the Online Banking Agreement.

19 Rev. 09.19

Bank recommends that you print a copy of this Agreement for your records.

20 Rev. 09.19