CARDHOLDER AGREEMENT

The Undersigned ("I" or "we") in consideration of Jonestown Bank & Trust Co. ("you" or "your") issuing to me a Visa® Debit Card hereby agrees to be legally bound by the following terms and conditions.

1. Accounts and Uses of Visa® Debit Card. I have the account(s) including checking, savings, and/or money market account(s)] with you set forth on my application form. I hereby request that you issue to me one or more Visa® Debit Cards to be used in connection with such accounts as described in this Agreement.

I understand I may use the Visa® Debit Card with my Personal Identification Number ("PIN") at an AUTOMATED TELLER MACHINE (ATM) to (1) withdraw cash from my account(s), (2) effect transfers to or from my accounts, (3) make or arrange for deposits to my account(s), or (4) receive information regarding the balance in my account(s).

I may also use automated teller machines throughout the United States and in certain foreign countries which bear the Visa® name and logo ("Visa® ATM"), PLUS® name and logo ("PLUS® ATM"), or PULSE® name and logo (“PULSE® ATM”) to (1) make withdrawals from, (2) effect transfers to or from, or (3) receive information regarding the balance in my account(s) that are designated as the primary account of each such type on my application form.

I understand Visa® Debit Card at any retail establishment where Visa® is accepted ("Merchant") to purchase goods and services and/or to obtain cash where permitted by the Merchant ("Purchase"). I further understand that I may use the Visa® Debit Card to receive cash at ATMs displaying the Visa® logo or from any financial institution that accepts Visa® ("Cash Advance"). I f I use the Visa® Debit Card to make a Purchase or Cash Advance, I shall be requesting you to withdraw funds in the amount of such Purchase or Cash Advance (including any cash received as a portion of the Purchase) from my primary checking or money market account designated on my application form and directing or ordering you to pay such funds to the Merchant or financial institution.

2. Other Services. I request that you provide to me such services or access to other ATM systems or networks using the Visa® Debit Card which you make available and which you advise me are offered in connection with my account(s) set forth on my application form. I also understand that from time to time I may request in writing that you provide access to additional accounts of mine through the Visa® Debit Card you have issued to me. I agree that the uses of the Visa® Debit Card described in this Agreement shall be subject to the rules and regulations of each account which is accessed by such Card.

3. Use of Personal Identification Number ("PIN") with Visa® Debit Card. I understand that a Visa® ATM or PULSE® ATM is an automated teller machine. It can and will perform many of the same tasks as a human teller. I acknowledge that the Personal Identification Number ("PIN") which I use with the Visa® Debit Card is my signature, identifies the bearer of the Card to the ATM or other ATM network and authenticates and validates the directions given just as my actual signature and other proof identify me and authenticate and validate my directions to a human teller. I understand that a Merchant which accepts the Visa® Debit Card for a Purchase transaction may have an electronic terminal (Merchant operated or self-service) which requires the use of my PIN and when my PIN is used at a Merchant's terminal, it will authenticate and validate the directions given just as my actual signature will authenticate and validate my directions given to you.

In locations where Visa® is accepted, use of my Visa® Debit Card will be authorized by a PIN and/or my signature. I understand either method will equally authenticate and validate my directions given just as my actual signature and other proof identify me and authenticate and validate my directions given to you.

I acknowledge that my PIN is an identification code that is personal and confidential and that the use of the PIN with the Visa® Debit Card Number is a security method by which you are helping me to maintain the security of my account(s). Therefore, I AGREE TO TAKE ALL REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY PIN. I WILL NOT DISCLOSE MY PIN ON THE CARD OR KEEP IT WITH THE CARD AT ANY TIME.

PIN SECURITY

• Memorize the PIN. Do NOT write it down.
• Take all precautions to enter the PIN in a way that it cannot be observed by others.
• Never communicate the PIN verbally.
• Never enter the PIN in any terminal that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner.
• Notify the card issuer immediately if a PIN change has taken place without being requested.

4. Transfer of Funds by Point of Sale or Bill Payment Service ("Service"). I agree to the transfer of money from my accounts or other accounts which I have withdrawal or transfer authority with you to the accounts of the designated Merchants. Such transfer shall be made upon my instruction by use of the telephone, by Card or by other means acceptable to you. I agree to allow a reasonable period of time (at least five (5) business days) for the merchant to receive payment. I agree that you shall not be responsible for delays caused by mail services or others. In no case shall you be liable for any interest or late payment charges assessed by the Merchant or for a termination of service caused by a delay in a Merchant receiving the payment.

I authorize the disclosure to a Merchant of information relating to my accounts as is reasonably necessary to operate these Service(s). I agree to notify you of any change in my address or account with a Merchant including change of account number.

5. Liability for Unauthorized Transactions. I agree to contact you at once if I believe the Visa® Debit Card issued to me or my PIN has been lost or stolen or money is missing from my account(s). I also agree that if my monthly statement shows transactions which I did not make, and I do not contact you within 60 days after the statement was mailed to me, I may not get back any money lost after that time. I AGREE THAT IF I GIVE MY Visa® DEBIT CARD(s) AND PIN TO SOMEONE ELSE TO USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF, AND I WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM.

6. How to Contact Customer Service. I agree to contact you immediately, if I believe the Visa® Debit Card(s) issued to me or my PIN has been lost or stolen or that an unauthorized transfer, Purchase, Cash Advance, or any other electronic transaction from any of my cards or accounts has occurred or might occur, by phoning, and by confirming such information in writing to you at.

JONESTOWN BANK & TRUST CO.
DIGITAL BANKING DEPARTMENT
421 East Penn Avenue, Cleona, PA 17042-2433
Customer Service (717) 274-5180, Option 1

To report a lost or stolen debit card 24 hours a day, 7 days a week, call 1 (888) 850-5282.

7. Charges. I agree to pay the charges or transaction fees in accordance with your fee schedule for these services or for services which may later be offered as such fees or charges may be imposed or changed from time to time.

NOTICE REGARDING ATM FEES BY OTHERS. When I use an automated teller machine not owned by you, I may be charged a fee by the ATM operator or any ATM network used, and I may be charged a fee for a balance inquiry even if I do not complete a fund transfer.

8. Deposits. I agree that when I make a deposit at an ATM, you have the right to verify the deposit before you make the money available to me. If I deliver cash, checks or other items to an ATM, I understand and acknowledge that the funds from my deposit may not be available for immediate withdrawal and that the availability of my deposit shall depend on your rules and regulations regarding the particular account in which I am making a deposit, the items that I am depositing and whether the deposit is made at an ATM that is owned by another financial institution. I also understand and acknowledge that not all ATMs may accept deposits and some ATMs may limit the amount of funds which may be deposited and you may not control these limits.

9. Liability. If the Visa® Debit Card is issued for a joint account, we agree to be jointly and severally liable under the terms of this Agreement and the agreement for such account.

If I make deposits to my account( s) with items other than cash (checks, drafts or other items) and you make funds available to me from such deposits prior to their collection, I agree that you may deduct the amounts of such funds from my account(s) which are not collected or, if the funds in my account(s) are insufficient at such time, I will promptly pay to you any amount of such funds which are not collected.

I accept responsibility for all transactions arising from the authorized use of my Visa® Debit Card whether completed by myself or by another person authorized to use my Card in any manner. I authorize you to directly debit or credit my account for the amount of the transaction and to handle the transaction in the same manner as you handle any check or withdrawal order completed by me. I further understand that for any Purchases or Cash Advances originated by use of my Visa® Debit Card, I shall not be able to issue stop payment orders.

10. Amendment of this Agreement. I agree that from time to time you may amend or change the terms of this Agreement including amendments or changes to add further Visa® Debit Card services or to amend or change the charges for these services. You may do so by notifying me in writing of such amendments or changes and my use of the Visa® Debit Card after the effective date of any such amendment or change shall constitute my acceptance of and agreement to such amendment or change.

This Card Agreement as it relates to use of the Card shall act as a contractual modification of the Uniform Commercial Code to the extent permitted by such code.

11. Ownership. I agree that the Visa® Debit Card is your property and all privileges may be revoked at your discretion without prior notification. This Agreement will terminate at the time of revocation. However, it will remain in effect for any use prior to revocation of privileges. I understand that any use of the Card after notice of revocation is fraudulent and I can be subject to legal proceedings. I agree that the Visa® Debit Card is nontransferable.

12. Debit Card for Business Accounts. I acknowledge that if my Visa® Debit Card has been issued under the terms of a Business Account Cardholder Agreement the provisions of that agreement, to the extent that there are any conflicts, will be controlling and take precedence over any other terms contained in this Cardholder Agreement.