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Valley National Bank Deposit Agreement

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To apply, please complete the following information, print out and send the form below: Online Banking Cumberland Valley Valley National Bank PO Box 709 London, KY 40743-0709 Attn: Call Center Terms and Conditions “We,” “We” and “Our” means Cumberland National Valley Bank – Trust Company (CVNB) and Agents. “You” and “you” refers to any depositor and/or borrower who registered with the online banking service or who is authorized by us to use an online bank identification number (ID) and an online bank password or any other authentication means that we set up or approve. The term “Online Banking” refers to our service, which allows you to transfer funds, access accounts, obtain information, view transactions and account balances, obtain bank statements, download banking transactions, and perform other transactions or communications over the Internet, including the optional payment service, with a compatible PC (PC) or any other means we can now authorize or authorize. We reserve the right to restrict or prevent your access to an online bank account. This agreement sets out the conditions for using our online banking service. Please read carefully and keep them for your recordings. These terms and conditions apply in addition to the terms and conditions applicable to all accounts you have with us or other services we receive from you. You are also required to follow all of our instructions and procedures, including our user guide instructions and frequently asked questions (FAQs) that apply to the services covered by this Agreement. This agreement is governed by the laws of the Commonwealth of Kentucky and by applicable federal laws and regulations. Powell Valley National Bank has partnered with Elavon to provide the best payment settlement solutions. By combining our banking expertise with Elavon`s first payment processing network, you can use a complete solution for all your banking and payment settlement requirements. We reserve the right to modify, modify or terminate at any time the online banking service or these Terms and Conditions. You agree to receive all notifications from us by online bank or email.

You can complete your registration in the online bank by notifying us in writing at the address above. For security reasons, not registering with your online bank for thirteen (13) consecutive months will result in the shutdown of your online banking service. When you enter into this agreement, you will need an email address from an Internet service provider (Internet service provider, ISP). If your email address changes, you must notify us within a reasonable time.