Terms and Conditions

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE SITE. BY ACCESSING OR USING THE SITE AND ANY PAGES WITHIN, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT ACCESS OR USE THE SITE, OR ANY PAGES WITHIN.

1. Terms of Use for All Information and Services on the Site

The following terms and conditions (“Terms of Use”) govern your use of the Site. By accessing, viewing, or using any material or content on the Site, you agree that you understand and intend these Terms of Use to be the legal equivalent of a signed, written legal contract between you and Town Financial Corporation, and equally binding, and that you accept such Terms of Use and agree to be legally bound by them WITHOUT LIMITATION OR QUALIFICATION.

If you do not agree with each of the Terms of Use specified herein, you are not granted permission to use the Site and must exit the Site immediately.

“Site” means www.townfinancialcorp.com, all pages within and any related mobile application.

The terms “we,” “us,” “our,” or “Town Financial” mean and include any and all entities in the Town
Financial Corporation family of companies

The term “you” refers to you as an individual person and, if you are accessing the Site as an
employee or representative of any other person or entity, that person or entity.

2. We Are Not Responsible for Links to Content Provided by Others

LINKS TO OTHER INTERNET WEBSITES OWNED OR OPERATED BY THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEBSITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

The Site may, from time to time, contain links to other sites such as banner advertisements or hyperlinks which we do not own or control, but which we provide for your convenience. If you visit a link to another website, you do so at your own risk subject to the conditions of use set by that website. We reserve the right to terminate a link to another website at any time. The fact that we provide a link to a website does not mean we endorse, authorize or sponsor that site, or that we are affiliated with the site’s owners or sponsors.

You may not link to the Site without our written permission. If you wish to link to the Site, please
contact us using the Contact and Notification Information in Section 23 of these Terms of Use.

3. Our Proprietary Rights and Your Restricted Use

The Site’s content, including but not limited to all music, images, videos, icons, text, software, logos, expressions and ideas, is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, the Site’s content is protected by patent and trademark laws, the laws of privacy and publicity, and various communication regulations and statutes. You are not authorized to post on or transmit to or from the Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, immoral or profane material, or any other content that could give rise to any civil or criminal liability under the law.

Any commercial use of the Site or its content beyond the specific use licensed herein or by written authorization from us is prohibited. You may print a copy of the information contained on the Site only for your personal use subject to the following: (i) you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server without the prior written permission of Town Financial; (ii) you may not modify the content or make derivative works therefrom; and (iii) on any and all copies you make of the information you must retain all copyright, trademark, service mark and other proprietary notices contained in the original information. The right given in this paragraph may be revoked at any time.

4. We Do Not Allow You to Use Trademarks, Service Marks, Tradenames and Logos Used and Displayed on The Site

The trademarks, service marks, tradenames and logos (“Marks”) used and displayed on the Site are registered and unregistered Marks owned by Town Financial. Certain trademarks, service marks and names (“TP Marks”) used on the Site are the property of third parties. Other than as specified in the preceding section, and notwithstanding any other information on the Site, you are not allowed to use any Mark or TP Mark, by implication, estoppel, or otherwise, and you are not granted any license or right to use any Mark or TP Mark without our prior written permission. No Mark may be used in any way, including in hyperlinks, advertising or publicity pertaining to distribution of materials on the Site, without our prior written permission.

5. Our Liability Is Limited

Although we try to provide accurate and timely information on the Site, there may be inadvertent, technical or factual inaccuracies and typographical errors. Furthermore, there are certain aspects of web usage, electronic mail, your computer and your link to the Internet which we cannot control. We therefore make no representation or warranty that the operation of the Site will be uninterrupted or error free, and we will not be liable for the consequences of any interruptions or errors or loss. For these reasons we cannot warrant the accuracy, completeness or timeliness of the information, text, graphics, links or other items on the Site or the privacy of responses to you by electronic mail.

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE IN CONNECTION WITH THE SITE, OR FROM YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY INFORMATION PROVIDED ON THE SITE; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR OTHER COMPUTER INSTRUCTIONS OR TECHNOLOGICAL MEANS INTENDED TO DISRUPT, DAMAGE, OR INTERFERE WITH THE USE OF COMPUTERS OR RELATED SYSTEMS, OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY ELECTRONIC MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING ELECTRONIC MAIL FROM YOU; EVEN IF ONEMAIN OR REPRESENTATIVES THEREOF ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdiction, our liability is limited to the greatest extent permitted by law.

THE SITE AND ALL CONTENT DISPLAYED ON THE SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY COMPUTER VIRUS OR OTHER COMPUTER INSTRUCTIONS OR TECHNOLOGICAL MEANS INTENDED TO DISRUPT, DAMAGE, OR INTERFERE WITH THE USE OF COMPUTERS OR RELATED SYSTEMS THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE SITE, THE WEB OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMATES, VIDEO, OR AUDIO FROM THE SITE OR THE WEB.

WE DO NOT REPRESENT OR WARRANT THAT YOUR USE OF MATERIALS DISPLAYED ON THE SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.

6. Indemnification

You agree to indemnify and hold harmless Town Financial from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by Town Financial in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the Site, or (ii) your use of the Site in violation of these Terms of Use or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. Town Financial reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Town Financial. You further agree to indemnify and hold harmless Town Financial from any claim arising from a third party’s use of information or materials of any kind that you post to the Site.

7. Information, Products and Services Offered are Subject to Our Acceptance

Information on the Site is not intended for distribution to, or use by, any persons or entities in any jurisdictions or countries where such distribution or use is not authorized or licensed, or where any content displayed on or transaction offered through the Site is unlawful. You use the Site on your own initiative and are responsible for compliance with local laws.

The Site may provide general information about Town Financial and the products and services offered by Town Financial. Information on publicly accessible pages of the Site (prior to authentication of your identity) does not constitute an offer to sell or a solicitation of any particular product or service. Some products and services may not be available in all states, and no product or service is available outside the United States. Your eligibility for particular products and services is subject to final determination, restrictions, and acceptance by Town Financial.

Town Financial may discontinue or make changes to the information, products, licenses, or services described herein at any time. Any dated information is published as of its publication date only. Town Financial does not undertake any obligation or responsibility to update or amend any such information. Town Financial reserves the right to terminate any or all offerings without prior notice. Furthermore, by offering information, products or services through the Site, no solicitation is made by Town Financial to any person to use such information, products or services in jurisdictions where the provision of information, products or services is prohibited by law.

8. No Client, Fiduciary or Professional Relationship is Established by Providing Information On The Site

YOU AGREE THAT NO CLIENT, ADVISORY, FIDUCIARY OR PROFESSIONAL RELATIONSHIP IS CREATED, IMPLIED OR ESTABLISHED BETWEEN YOU AND ONEMAIN AND THAT YOU AGREE AND UNDERSTAND THAT NO PERSON OR ENTITY IS, IN CONNECTION WITH THE SITE, ENGAGED IN RENDERING AUDITING, ACCOUNTING, INVESTMENT, SECURITIES, TAX, LEGAL ADVICE OR CONSULTING OPINIONS AND THAT YOU WILL CONSULT APPROPRIATE LICENSED PROFESSIONALS FOR OPINIONS AND ADVICE RELATING TO THE SPECIFIC FACTS, LAWS AND ROLES WHICH MAY APPLY IN YOUR SPECIFIC CASE.

9. Governing Law

These Terms of Use shall be governed by, and construed in accordance with, the laws of the State of Iowa, without regard to its law regarding conflicts of law.

10. Failure to Exercise Rights Does Not Constitute Waiver

No failure, omission or delay on the part of Town Financial in exercising any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use.

11. You Agree to Changes and Amendments by Posting on the Site

Town Financial reserves the right to change these Terms of Use or any Site content or functionality at any time without notice and in our sole discretion, by posting a change notice or new Terms Of Use on our Site. Any change to these Terms of Use shall be effective as to you or any user who uses the Site without notice, by posting of the Terms of Use as changed on the Site, with or without notice of any specific changes. You agree that you will comply with these Terms of Use as they may be modified from time to time by Town Financial by checking for modifications on the Site, whether or not you have received notice of any changes. If any modifications of these Terms of Use are unacceptable to you, your only recourse is to terminate use of the Site immediately. Your continued use of the Site will constitute binding acceptance of any modification. Any inconsistent terms between these Terms of Use and any subsequent modifications or Terms of Use posted on the Site shall be controlled according to the latest posting.

12. No Use of Site By Minors

No person under the age of 18 may use the Site. We do not knowingly solicit business by minors or children and request that any person under the age of 18 have their parent or responsible adult contact us. If you are under age 18 please leave the Site immediately. You agree to report all information you have about any person under 18 who uses the Site to us immediately using the Contact and Notification Information in Section 23 of these Terms of Use.

13. Confidentiality of Internet Not Guaranteed

Although we try to protect information you send us, we cannot guarantee that information sent over the Internet is completely confidential. There are certain aspects of Internet usage, your computer and your links to the Internet we cannot control. Therefore, transmission of information to us on the Internet must be undertaken at your own risk.

14. Communications to You by Us

We may respond to your inquiries and questions by electronic mail if you provide us with an e-mail address. However, be advised that information sent by electronic mail may not be completely confidential not only because of certain aspects of electronic transfer, but also because others may have access to the computer or e-mail address to which the electronic mail response is sent. Unless you specifically state in capital letters within your inquiry as follows: “DO NOT RESPOND TO THIS INQUIRY BY E-MAIL”, you hereby consent to response to your inquiries and questions by electronic mail, notwithstanding the risks inherent in using electronic mail.

15. Entire Agreement

These Terms of Use comprise the entire agreement between you and Town Financial relating to
your use of the Site, and supersede all prior agreements and negotiations, whether oral or written. These Terms of Use supersede any previous terms of use relating to use of this Site to which you and Town Financial may have been bound. There are no other agreements, understandings, promises or conditions, oral or written, express or implied, concerning the subject matter of these Terms of Use, except as set forth in these Terms of Use.

16. Termination Of Service

We reserve the right in our sole discretion to terminate, restrict, or suspend the Site, service, access or information from you at any time for any reason without prior notice or liability.

17. Information From Third Party Providers

Certain material that may be provided on the Site is independently obtained, prepared and provided by third parties (“Information”) who are not affiliated with Town Financial, and Town Financial is not responsible for these third parties. This Information is provided free of charge for your general understanding. Town Financial has not reviewed the Information and is not responsible for the accuracy, completeness, reliability, or correct sequencing of the Information. The Information does not in any way represent the opinion of Town Financial.

18. Submissions

All ideas, expressions, and inventions (excluding any nonpublic personal information) submitted to Town Financial through the Site shall be deemed and remain the property of Town Financial and Town Financial shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information you provide to Town Financial through the Site. Town Financial shall not be subject to any obligations of confidentiality regarding ideas, expressions and inventions (excluding any nonpublic personal information) except as agreed in a writing executed by Town Financial.

19. Monitoring

Town Financial has no obligation to monitor the Site, however, you acknowledge and agree that
Town Financial has the right to monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site, to protect itself or other users of the Site or for any other purpose that complies with applicable laws.

20. Termination

These Terms of Use are effective until terminated by Town Financial. Town Financial may terminate these Terms of Use at any time without notice or suspend or terminate your access and use of the Site at any time, with or without cause, in Town Financials’ absolute discretion and without notice. The following sections of these Terms of Use shall survive termination of your use or access to the Site: 5 (Our Liability is Limited), 6 (Indemnification), 8 (No Client, Fiduciary or Professional Relationship is Established by Providing Information On The Site), 9 (Governing Law), 10 (Failure to Exercise Rights Does Not Constitute Waiver), 14 (Communications to You by Us), 15 (Entire Agreement), 18 (Submissions), 20 (Termination), 21 (Severability), 22 (General Provisions), 23 (Contact and Notification Information), and any other provision that by its nature or terms survives termination of your use or access to the Site.

21. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining
provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Terms of Use shall remain in full force and effect.

22. General Provisions

These Terms of Use will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assignees. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of these Terms of Use. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

23. Contact and Notification Information

You may contact us using the following information: (515) 244-2222 or Town Financial, 2806
Ingersoll Ave., Des Moines, IA 50312.

Electronic Consent Agreement

(CONSENT AGREEMENT FOR USE OF ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND COMMUNICATIONS AND FOR ACH DISBURSEMENT)

Electronic Documents and Signatures – Consent. Town Financial Corporation and its affiliated companies service providers, successors, and assigns (hereinafter collectively referred to as “Companies,” “we” or “us) are required or allowed to provide you with certain written disclosures, documents and information pertaining to your transactions with us (“Required Information”).

Under the federal E-SIGN Act and related state laws, with your consent, we can deliver such Required Information to you electronically and can use electronic records and electronic signatures in connection with your transactions with us. Therefore, please review the terms of this Electronic Consent Agreement prior to giving your consent and retain a copy of this Electronic Consent Agreement for your records.

If you do not want to receive the Required Information electronically, or do not want to use electronic signatures in connection with your transactions with us, you should not agree to the terms of this Electronic Consent Agreement. If you do not consent to receiving the Required Information electronically, or do not consent to the use of electronic signatures in connection with your transactions with us, we will not be able to proceed with the acceptance and processing of your transaction or online account services. If you want to proceed with your loan application via the Internet, you must consent to receiving the Required Information electronically before we can provide it to you electronically. Your consent will apply to all your transactions with us and any Required Information we provide or make available to you. Your consent also permits the general use of electronic records and electronic signatures in connection with all your transactions with us.

Required Information You Will Receive Electronically. By providing your consent under this Agreement, you agree that Companies may provide you with the following Required Information solely in electronic form:

• Any contracts, documents, or disclosures required by law or provided by Companies,
including, without limitation, any loan or insurance disclosures, documentation, statements
and other transaction-related communications and disclosures.

Paper Copy of Required Information Available Upon Request – No Charge. If you consent to
receive the Required Information electronically, you can also request a paper copy of the Required Information by contacting us, by phone, at (515) 244-2222. We will not charge you any fees for providing a paper copy of the Required Information. Your consent does not mean that Companies must provide the Required Information electronically – only that they may do so. Companies may, at their option, deliver Required Information on paper if they choose to do so. Companies may also require that certain communications from you be delivered to Companies on paper at a specified address.

ACH Disbursement. If you consent to proceed with this transaction electronically and provide your bank routing and account number, you consent to the electronic disbursement of any and all refunds, loan proceeds directly to your bank account via Automated Clearing House transaction.

Withdrawing Your Consent. You may withdraw your consent to receive Required Information
electronically or to the use of electronic signatures in connection with any future transactions with us at any time. Any withdrawal of your consent will be effective only after we have a reasonable period of time to process your withdrawal, which may take up to 10 business days. We will not charge you any fees for withdrawing your consent. If you decide you do not want to receive Required Information electronically, or do not want to use electronic signatures in connection with any future transactions with us, you may withdraw your consent by contacting us, by phone, at (515) 244-2222.

Updating Your Contact Information. If you consent to receive Required Information electronically, we will contact you at the e-mail address you have provided to us. If you change your e-mail address, you must provide your new e-mail address to us by contacting us, by phone, at (515) 244- 2222.

System Requirements to Access the Required Information. To access the Required Information being provided to you electronically, you must have the following:

• A personal computer or mobile device with internet access.
• For all browsers, cookies must be enabled.
• The ability to receive e-mail that contains hyperlinks to Websites in order for us to deliver
information to you.
• Software which permits you to receive, print and access Portable Document Format or “PDF”
files, such as Adobe Acrobat Reader. If you do not have such software, visit https://get.adobe.com/reader/ to download a free version of Adobe Acrobat Reader.
• Sufficient electronic storage capacity on your computer’s hard drive or other data storage
unit or the ability to print PDF files from your computer or mobile device.

Electronic Communications: We and our loan officers may contact you by email to process your application, for account servicing or collections, to tell you about products and services from Town Financial Corporation and from third parties, and for other business purposes.

Consent: I agree to be bound by the terms of this Electronic Consent Agreement and confirm that I have computer hardware and software that meets the requirements. I also consent to receiving Required Information electronically and to the use of electronic records and signatures in connection with my transaction(s) with Companies in place of written documents and handwritten signatures and to electronic communications and ACH (electronic) disbursement to my bank account of loan proceeds.

ACH and Debit Card Terms and
Conditions

By choosing to pay Town Financial Corporation by ACH and/ or Debit Card, you agree
to execute this transaction electronically and authorize Town Financial Corporation or its
nominee, to electronically debit the bank account that you have specified.

You agree and acknowledge that (1) you will be responsible for the payment if the
electronic debit fails due to insufficient funds in your bank account or for any other
reason; (2) Lender can stop processing debits at any time upon adequate notice and
you will make your payments directly; and (3) you have received a copy of this
authorization.

You understand that Lender may cancel this authorization if two or more debit entries
are returned unpaid or uncollected or if any single debit is returned for an administrative
reason such as a closed account or an invalid or unlocated account number.

You are responsible for sufficient funds and may be subject to additional fees or
charges if the payment is returned.

Please contact the office associated with your account at least 1 business day prior to
any scheduled payment to make changes or revoke this authorization. Office contact
information is below.

Lender reserves the right to terminate or change the terms of this program at any time.

Town Financial – Ingersoll
2806 Ingersoll Ave.
Des Moines, IA 50312
Phone: (515) 244-2222
Email: ingersoll@townfinancialcorp.com

Town Financial – Euclid
1301 E. Euclid Ave.
Des Moines, IA 50316
Phone: (515) 265-5623
Email: euclid@townfinancialcorp.com

Town Financial – Rue
1920 Rue St. Suite 9
Council Bluffs, IA 51503
Phone: (712) 524-2424
Email: rue@townfinancialcorp.com

Informational Communications Authorization

You give Town Financial Corporation consent to contact you about processing of applications submitted to Town Financial Corporation, including but not limited to loan applications, and if approved for a loan account, about the servicing and collecting of your loan account, using prerecorded or artificial voice messages, text messages or voice calls using automatic telephone dialing systems.

If you are the victim of identity theft and are seeking application and/or business transaction records related to a transaction with Town Financial Corporation:

Town Financial Corporation will send you available application and/or business transaction records within 30 days free of charge upon receipt of all of the following:

1. A written request that provides sufficient information for Town Financial Corporation to identify the fraudulent transaction and/or application;

2. A copy of your government-issued identification;

3. A copy of the police report filed related to the identity theft at issue; and

4. An identity theft affidavit similar to the one that can be created at https://www.identitytheft.gov/

Please send all documentation to:
Town Financial Corporation
Identity Theft Department
2806 Ingersoll Ave.
Des Moines, IA 50312