Forcht Bank, NA INTERNET BANKING RULES AND REGULATIONS The Bank will make available an online banking system, known as Internet banking, which will enable the User to gain direct computer access to account balance and other information regarding the User's accounts at the Bank and initiate internal transfers of funds between those account. The Forcht Bank Internet Banking Application sets forth the specific User accounts owned by the User (the "Accounts") which may be accessed by the User under the terms and conditions set forth herein. Authorization Agreement By completing an Internet Banking Application, I agree to all of the terms and conditions contained within the Internet banking Rules and Regulations, including any future revisions to such. I also acknowledge receipt of the Bank's Rules and Regulations Governing Electronic Services.

1. Meaning of some words. In this document: a. "Bank", "we", "us", "our" and "ours" mean Forcht Bank, NA, your Primary Bank, as indicated on your Authorization Agreement; b. "I", "me" and "my" refer to the person(s) or "qualifying small business entity" who have signed a Forcht Bank Internet Banking Application; c. "User", "you" and "your" mean (i) any individual or "qualifying small business entity who registers with us to use Internet banking; d. "Your registration" means your registration with us to use Internet banking internet banking, as originally made via a signed internet banking application, and as revised from time to time through instructions received via Internet banking, in writing or in any other manner; e. "Your deposit accounts" means all deposit accounts with us that are designated in your application and are approved by us as deposit accounts accessible through Internet banking; f. "Your identification numbers" means all account or other identifying numbers and passwords assigned to or chosen by you or any individual acting on your behalf in connection with Internet banking for use with Internet banking or any feature of Internet banking; g. "E-mail" means any electronic message sent through the Internet; h. "Business day" means Monday through Friday, excluding holidays when the bank is closed.

2. Your identification numbers. Your identification numbers for Internet banking are provided solely for your personal use and protection. You agree to: 1) follow the current rules and regulations governing use of Internet banking; 2) keep your identification numbers safe and not permit anyone else to use them; 3) not record or make the identification numbers for Internet banking available to anyone else; 4) avoid using any personal identification number for any card that is tied to any of your deposit accounts as any of your confidential identification numbers; and 5) immediately report to the Bank any loss, theft, known or suspected unauthorized use or disclosure of your identification numbers.

3. Your responsibility for transactions. You will be responsible for each transaction directed by any order described in Sections 5 or 6 that is given through Internet banking by you, any individual acting on your behalf or anyone else that you have allowed to have your identification numbers in connection with Internet banking.

4. Internet banking Internet Banking Subject to the provisions of this agreement and as designated in your registration, Internet banking can be used to give: a. An order to us to make a non-recurring or recurring transfer of funds from any of your deposit accounts to any other of your deposit accounts as long as your registration properly designates the account(s) from which and to which transfers may be made; b. A request to us for information available through Internet banking concerning any of your deposit accounts and transactions involving any of your deposit accounts;

5. Limitations and other rules applicable to Internet banking transactions. The following limitations and other rules apply to transfers of funds and payments requested by orders described in Sections 5 and 6 that are given through Internet banking: a. Transfer of funds or payment ordered through Internet banking may be refused if there are restrictions on your right to withdraw funds from the account from which the transfer or payment is to be made (for example, if two or more signatures are required on checks or withdrawals written on the account). b. Any transfer of funds or payment ordered through Internet banking will be subject to the funds being available for withdrawal in the account from which the transfer or payment is to be made. c. When any order to us to make a transfer of funds or payment given through Internet banking exceeds the amount of money available for withdrawal from the account, we can either (i) make the transfer or payment, in which case you will be liable for the excess, or (ii) refuse to make the transfer or payment. In either case, you will be liable for any fee applicable to the withdrawal or attempted withdrawal when funds are not available. d. For reasons of security, we can, at any time and without prior notice, refuse to honor any order to us to make a transfer of funds or payment given through Internet banking. For example, we can do so if, for reasons of security, we believe that it is advisable to limit the dollar amount or frequency of transfers of funds or payments ordered through Internet banking. e. We can, at any time and without prior notice, refuse to honor any order for a transfer of funds or payment through Internet banking if the order reasonably appears to be fraudulent or erroneous.

6. Limitations and other rules applicable to Internet banking transactions. The following limitations and other rules apply to transfers of funds ordered as described in Section 5 of this document that are given through Internet banking: a. For deposit accounts that are savings or money market deposit accounts, there can be no more than six transfers of funds during any statement period from the account. Refer to the truth in savings disclosure regarding limitations and fees on the above product types. b. For a series of recurring transfers to be ordered through Internet banking, the transfers must be equal in amount with frequency of weekly, biweekly, semimonthly, or monthly at regular intervals.

7. Authorization and appointment of agent. You authorize us and appoint us as your agent to take, on your behalf, any action we believe necessary or appropriate to implement any order described in Sections 5 or 6 that is given through Internet banking or Internet banking Bill Payment or to correct any error in crediting or charging any account in connection with any order described in Sections 5 or 6 that is given through Internet banking or Internet banking Bill Payment. For example, you authorize us and appoint us as your agent to, on your behalf: a. Withdraw money from any of your deposit accounts and deposit the money in any other of your deposit accounts in order to implement any order to us to transfer funds from the first account to the other account given through Internet banking; b. Withdraw money from your payment account in order to implement any order to us to make a payment from your payment account given through Internet banking Bill Payment;

8. Fees. Currently, there are no fees for using Internet banking Internet Banking. We can at any time establish a new fee or change an existing fee applicable to the use of Internet banking or any feature of Internet banking. If we establish a new fee or increase an existing fee applicable to the use of Internet banking or any feature of Internet banking, we will send or deliver to you any notice of the establishment of the new fee or increase in the existing fee that applicable law requires us to send or deliver to you. If applicable law does not require us to send or deliver any notice of the establishment of the new fee or increase in the existing fee to you, we will either send or deliver a notice of it to you or post a notice of it on our World Wide Web site. You must pay us each fee that we impose for the use of Internet banking or any feature of Internet banking. You authorize us to charge the fee against the Primary Account designated on your registration and if funds are unavailable in that account to charge any of your deposit accounts you have with us now or in the future.

9. Notice of loss, theft, unauthorized use or error. If you believe, or any individual acting on your behalf in connection with Internet banking believes, that any of your identification numbers have been lost or stolen, that any transaction involving any of your deposit accounts may have been or may be made without your authorization or that we may have made an error with respect to any of your deposit accounts, you or that individual must contact us immediately. You or that individual should contact us as follows: Telephone: 844-4 FORCHT or write to: Forcht Bank, NA P.O. Box 55250 Lexington, KY 40555 Attention: Internet Banking Coordinator

10. Cancellation. You can cancel your right to use Internet banking at any time by notifying us in writing. The cancellation will not take effect until we receive the notice and have a reasonable time to act on it. At any time, for any reason and without notifying you that we are going to do so, we can cancel your right to use Internet banking or any feature of Internet banking.

11. E-mail. E-mail sent to us through Internet banking or via the Bank's World Wide Web site must not be used to communicate any confidential and/or urgent information (for example, a stop payment order, a report of a lost or stolen card, a report of an unauthorized transaction involving a deposit, etc.). We will not have to take any action based on any e-mail sent to us through Internet banking until we receive and have a reasonable time to act on the e-mail.

12. Reasonable time to act. A reasonable time for us to act on any information, notice, order or other communication or document received by us (for example, e-mail sent to us through Internet banking) will not end until at least the close of business on our first business day after our business day on which we receive the information, notice, order or other communication or document.

13. Notices and change of address. Any notice we send you concerning this agreement or Internet banking will be sent to your current mailing address shown in our records concerning this agreement or, if allowed by applicable law, sent to your current e-mail address shown in those records or posted on our World Wide Web site. If your mailing or e-mail address changes, you must promptly notify us in writing of the new address.

14. Changes in agreement. No change in this agreement can be made except in a writing signed by us. We can change this agreement at any time. We will send or deliver to you any notice of the change that applicable law requires us to send or deliver to you. If applicable law does not require us to send or deliver any notice of the change to you, we will either send or deliver a notice of it to you or post a notice of it on the World Wide Web site.

15. Change in Internet banking. We can change Internet banking at any time by adding, deleting or changing any feature of Internet banking. We will send or deliver to you any notice of the change that applicable law requires us to send or deliver to you. By the use of any added or changed feature of Internet banking by you or any individual acting on your behalf in connection with Internet banking, you will be agreeing to be bound by all our requirements relating to the added or changed feature.

16. No notice or loss of rights. We can exercise, give up, fail to exercise or delay exercising any of our rights with respect to you or Internet banking without notifying you. By exercising, failing to exercise or delaying the exercise of any of the rights, we will not lose it or any other of the rights. By giving up any of the rights on any occasion, we will not lose it on any other occasion or lose any other of the rights.

17. Giving up rights. None of our rights with respect to you or Internet banking can be given up by us except in a writing signed by us.

18. No transfer of rights and obligations. You cannot transfer any of your rights and obligations under this agreement or with respect to Internet banking to anyone else. Any transfer of any of the rights and obligations will be void.

19. Conflicts. If any part of this agreement conflicts with applicable law, the law will control, and this agreement will be considered changed to the extent necessary to comply with it.

20. Continued effectiveness. If any part of this agreement is determined by a court to be invalid, the rest will remain in effect.

21. What law applies? Any legal question concerning this agreement or Internet banking will be decided in accordance with Kentucky State law without regard to the law of any other state and, to the extent applicable, federal law.

22. Entire agreement. Except for any agreement between you and us concerning any of your deposit accounts, any of your loan accounts, any of your credit card accounts or transfers of funds to or from any of your deposit accounts, any of your loan accounts, or any of your credit card accounts, this agreement is the final and complete agreement between you and us concerning Internet banking. If any part of any agreement described in the preceding sentence is incompatible with any part of this agreement, the part of this agreement will control. Any statement concerning Internet banking made by any of our employees or anyone else is not part of this agreement.

23. Acknowledgment and agreement. By completing the Internet Banking Application, using Internet banking in any way described in Sections 5 or 6 or allowing anyone else to have any of your identification numbers or to use Internet banking in any way described in Sections 5 or 6, you agree to be bound by all provisions of this agreement and all our requirements relating to any feature of Internet banking. Also, if any individual acting on your behalf in connection with Internet banking uses Internet banking in any way described in Sections 5 or 6 or allows anyone else to have any of your identification numbers or to use Internet banking in any way described in Sections 5 or 6, you agree to be bound by all those provisions, requirements and legal terms and conditions contained herein. Revised as of August 29, 2014.