Internet User Agreement

Mulvane State Bank requires that all visitors (collectively, the “User”) to its site on the World Wide Web (the “Site”) adhere to the following rules and regulations. Please read these terms carefully before using this Site. By accessing the Site, User acknowledges and accepts these terms and conditions. Mulvane State Bank may modify or supplement this User Agreement by publishing amendments on the Site and may discontinue or revise any or all other aspects of the Site in its sole discretion and without prior notice to User.

Ownership of Site

All information, including text and graphics, contained in the Site is subject to a copyright by Mulvane State Bank, Mulvane Bankshares, Inc., or others as indicated. The information and materials contained in the Site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Mulvane State Bank, Mulvane Bankshares, Inc., or other holder of the copyright.

Products and Services Offered on the Site

Mulvane State Bank may make available to User various financial and investment products and services through the Site. Not all of the products or services described on the Site are available in all geographic areas. Every User may not be eligible for all products or services. Mulvane State Bank reserves the right to determine a User’s eligibility for any product or service subject only to federal or state law. In addition to the terms and conditions of this User Agreement, specific Mulvane State Bank products or services may be subject to certain other disclosures and agreements.

Banking Products and Services

Deposit and loan products and services are made available through Mulvane State Bank, a Kansas-chartered bank with its main office in Mulvane, Kansas. The bank is owned by a one-bank holding company, Mulvane Bankshare, Inc., with headquarters in Mulvane, Kansas. Mulvane State Bank is federally insured by the FDIC and an Equal Opportunity Lender.

Nondeposit Investment Products and Services

Securities are offered through UMB Scout Brokerage Services, Inc., member NASD, SIPC and Insurance Products are offered through UMB Scout Insurance Services, Inc. Mutual funds, annuities and life insurance products are not bank deposits and are not guaranteed or insured by the FDIC or any other entity and are subject to investment risks, including possible loss of the principal amount invested.

General Disclaimer of Warranties and of Liability

Mulvane State Bank does not represent or endorse the accuracy, adequacy, reliability or completeness of any information, content or advertisements contained on, distributed through, or linked, downloaded or accessed from the Site, nor the quality of any other products, information or other materials displayed, purchased, or obtained by User as a result of any advertisement or any information or offer in or in connection with the Site. User agrees that all access and use of the Site and its contents is at User’s own risk. By using the Site, User acknowledges that Mulvane State Bank specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with Users access to or use of the Site (even if we have been advised of the possibility of such damages), including liability associated with any viruses which may infect a user’s computer equipment. Except as restricted by applicable law, or express agreement, Mulvane State Bank is not liable for any direct, indirect, special, incidental, consequential or punitive damages or lost profits arising in connection with the Site or any interruption, delay in its operation, computer virus, loss of data, or otherwise. THE SITE IS DISTRIBUTED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES OF SPECIFIC MULVANE STATE BANK PRODUCTS OR SERVICES TO WHICH MULVANE STATE BANK HAS EXPRESSLY AGREED.

Disclaimers Relating To Products and Services of Third Parties

Mulvane State Bank may maintain on its Site one or more electronic malls or market places, or otherwise make available hypertext links, icons or marks of various merchants, suppliers and other companies unrelated to Mulvane State Bank. Mulvane State Bank has provided these hypertext links, icons or marks for User convenience and does not endorse or accept responsibility for any such web site. Mulvane State Bank makes no representations about any web site User may access its Site. Any third party web site linked to this Site is independent from Mulvane State Bank and Mulvane State Bank has no control over the products, services or information contained in or available through these third party web sites. The quality and dependability of these third party web sites may vary as they are updated or altered, and Mulvane State Bank does not accept responsibility for monitoring or testing the quality or dependability of such third party sites. Access to any third party web sites linked to this Site is at the User’s own risk. Mulvane State Bank shall not be considered an agent of any third party and Mulvane State Bank shall have no responsibilities nor liabilities to any User regarding any action, omission, or warranty of any kind concerning any third party, its products, services or information. By providing hypertext links, icons, marks or other information of a third party, or by advertising on the web pages of a third party, Mulvane State Bank does not endorse, and shall have no obligation or liability concerning, such third party’s delivery, or non-delivery of its respective goods, services or information, or the accuracy, adequacy, reliability, completeness or timeliness of such goods, services or information. With regard to services or products purchased, obtained or delivered by or to the User by a third party provider, Mulvane State Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such service and products and Mulvane State Bank specifically disclaims all other warranties with regard to said services and products. Additional disclosures and agreements relating to specific products and services of third party providers are available from the site of the third party. Before dealing with any third party, the User should read, understand and be satisfied with the terms and conditions of such third party related to its products, services or information.

Access to Site

Certain products and services available on the Site, including Mulvane State Bank Online Banking, require password(s), user id’s, electronic signatures, authentication certificate(s) or other authentication procedures to assist in attributing an electronic record to a User (“Access Authentication”). Such Access Authentication may be revised by Mulvane State Bank or a third party provider from time to time without prior notice to User. User shall be solely responsible for controlling and safeguarding its Access Authentication to prevent disclosure to unauthorized person(s). You can change your password as often as you like. It is best to periodically change your password. Do not display your password at or near your computer. Do not use numbers or names that others can guess for your password. No Mulvane State Bank person will ever need to know your password and you should not furnish it to anyone claiming to represent Mulvane State Bank. You should exit Mulvane State Bank Online Banking, or any other secured site, as soon as you complete your transaction. Do not leave your computer with your account information on the screen. It is recommended that you close your browser after signing off from Mulvane State Bank Online Banking, or any other secured site, to clear account information from your browser’s memory. You should treat your Access Authentication as a valuable financial asset and be diligent in safeguarding it from disclosure to unauthorized person(s). User shall be responsible for all use of the Site accessed through User’s Access Authentication. User hereby ratifies and guarantees any obligation or transaction entered into or assumed by others who access the Site through User’s Access Authentication. User agrees to promptly notify Mulvane State Bank, or the applicable third party provider, of the loss or theft of User’s Access Authentication.

Access to Site by Aggregator or Other Agent of User

If you share your user id and password with others, such person(s) will be deemed to be your authorized agent(s) for accessing the products and services on the Site, and you will be solely responsible for all transactions they conduct, even if those transactions are beyond the scope of the agreement you have with your agent. This includes any information obtained or transactions conducted by an Aggregator, or person(s) who obtain your user id and password through an Aggregator. An Aggregator uses a method called screen scraping to collect your Internet account information from various sources and consolidate it in one place. You will be asked to provide your user ids and passwords for your Internet accounts to the Aggregator to be maintained by the Aggregator and used to access your Internet accounts. Whether or not to use an aggregation service is a decision requiring careful review of the risks and of the specific Aggregator providing the service. Since your confidential user id, password and account information will be stored with the Aggregator, it is essential that you have confidence in the Aggregator and its security, and be satisfied with the terms of the Aggregator’s privacy policy and user agreement. Mulvane State Bank is not an Aggregator.

Transmission of Information to Bank

Any communication or material you transmit to us via the Site or Internet electronic mail becomes the property of Mulvane State Bank and may be used by Mulvane State Bank for any purpose within the limits of our Privacy Policy. You may not transmit any obscene, libelous or defamatory messages to us.

Governing Law

The Site is operated by Mulvane State Bank from its headquarters in the State of Kansas. Mulvane State Bank makes no representation that the information contained in the Site complies with the laws of any other jurisdiction. The use of the Site is governed by the laws of the State of Kansas without regard to principles of conflicts of laws.

Termination of Service

Mulvane State Bank reserves the right to deny or terminate User’s access to or use of the Site, or any service or product, in Mulvane State Bank’s sole discretion, without notice and without limitation, including, but not limited to User’s breach of any provision of this User Agreement or any additional agreement relating to a specific product or service, or discontinuance of Mulvane State Bank access to any product or service from any third party provider.

Change in User Agreement

Mulvane State Bank may revise this User Agreement at any time, effective upon posting the revised User Agreement on the Continued access or use by User of the Site after posting of the revisions by Mulvane State Bank, shall constitute User’s acceptance and agreement to the changes in the User Agreement.