Cecilia Banking Center

(270) 862-3294

Rineyville Banking Center

(270) 737-1008

Hillcrest Banking Center

(270) 737-3750

Brandenburg Banking Center

(270) 422-2265

Oaklawn Banking Center

(270) 737-1593

Sonora Banking Center

(270) 369-6230

Vine Grove Banking Center

(270) 877-6200

Leitchfield Banking Center

(270) 259-2233

Prospect Pointe Banking Center

(270) 763-0565

Radcliff Banking Center

(270) 351-3388

Leitchfield Downtown Banking Center

(270) 259-3127

Hardinsburg Banking Center

(270) 756-2154

www.THECECILIANBANK.com 11/2012

What is Fast Cash? A pre-approved line of credit that lets you write your own loan...whenever and wherever you need it!

How Does It Work? When you open a checking account with The Cecilian Bank, simply complete this application. If approved you will have a line of

credit with the bank. Each account is approved on an individual basis. Credit limits will vary up to a maximum of $1000. As the

need arises, simply write a regular check for the amount you wish to borrow, up to your approved limit. Advances from the Fast

Cash account will automatically transfer to the CUSTOMER’s checking account in multiples of $50. All this for an annual fee of

just $25.

Other Advantages… Overdraft Protection. If you accidentally overdraw your checking account, Fast Cash will automatically cover the check, up to

your approved limit.

Easy Repayment. Your monthly payment is automatically deducted from your checking account. Of course, you can always pre-

pay any or all of your Fast Cash balance without penalty.

Terms & Conditions for Fast Cash Account

1. The BANK may report information about this LOAN ACCOUNT to credit bureaus. Late payments, missed payments, or other defaults

on the CUSTOMER’s account may be reflected in the CUSTOMER’s credit report.

2. By means of a Fast Cash Account, hereinafter referred to as the LOAN ACCOUNT, The Cecilian Bank customers, hereinafter referred to

as CUSTOMERS, from time to time may obtain advances from The Cecilian Bank, hereinafter referred to as BANK, through or by use of

a specified Cecilian Bank Checking Account, hereinafter referred to as the CHECKING ACCOUNT. The aggregate unpaid principal bal-

ances of such advances shall not exceed at any time the maximum amount of credit approved in writing by the BANK. After the BANK

issues a written approval of the line of credit, the following will be treated as a request for an advance.

A. Any check drawn on the CHECKING ACCOUNT, charges to the CHECKING ACCOUNT (other than monthly payment charges)

which have the effect of overdrawing the CHECKING ACCOUNT when it is already overdrawn in excess of one ($1) dollar shall

be an advance to the CUSTOMER under the LOAN ACCOUNT Terms and Conditions.

B. Each advance will be deemed to have been made at the time that the check or other charges presented against the CHECKING

ACCOUNT are posted. Each advance will be in multiples of no less than fifty ($50) dollars each, subject to the following

limitations:

I. In no event will the advance amount exceed the unused portion of the line of credit.

II. The BANK will make each advance by debiting the LOAN ACCOUNT in the amount of the advance and making a

corresponding deposit to the CHECKING ACCOUNT, or crediting the amount of the advance directly to the

CUSTOMER by such means as the BANK and CUSTOMER may agree upon.

3. The BANK may refuse to pay any check drawn on the CUSTOMER’s account if paying same would constitute non-compliance or breach

of the Agreement; the BANK may further refuse to pay a check drawn on the CUSTOMER’s account if the outstanding balance of the

CUSTOMER’s account according to the BANK’s records at the time the check is presented to the BANK for payment exceeds or would

exceed, upon payment of the check, the Fast Cash Credit Limit then in effect per this agreement. Further, the BANK may refuse to honor

such a check drawn on the CUSTOMER’s account if at the time of the presentation all the terms of the Agreement have not been fulfilled,

or if upon presentation of the check, the CUSTOMER’s account has, for one reason or another, been terminated.

The BANK reserves the right and the option to waive the conditions of the Agreement herein and pay any checks or drafts as though

the conditions have been met; however, such a waiver shall not constitute a waiver of the BANK’s rights created hereunder.

4. Fast Cash CUSTOMERS from time to time will furnish the BANK promptly, upon request with current financial statements in such

detail as the BANK may reasonably require.

5. In the following situation, the unpaid balance, at the option of the BANK, shall become due and payable immediately without notice

or demand and CUSTOMER shall pay same, at which point the BANK’s obligation to make Fast Cash advances to the

CUSTOMER shall terminate:

A. The failure of the CUSTOMER to make any Fast Cash payment when due.

B. Failure of the CUSTOMER to perform or observe any of the provisions of these Terms and Conditions.

C. Any financial statements furnished by the CUSTOMER to the BANK considered to be false or misleading in any material

respect.

D. Should the CUSTOMER fail to inform the BANK of any material changes in his or her financial condition.

E. Upon closing of the CUSTOMER’s account.

F. Insolvency, bankruptcy, or death of the CUSTOMER.

6. The balance existing on the LOAN ACCOUNT is hereby understood to be demand in nature, and payable on demand upon thirty

(30) days notice by the BANK to the CUSTOMER of said demand for payment in full; notice is sufficient if mailed by the BANK to

the CUSTOMER at the address for the CUSTOMER appearing on the application.

7. The LOAN ACCOUNT may be closed, and the BANK’s obligation to make Fast Cash advances may be terminated at any time upon writ-

ten notice by the BANK to the CUSTOMER or the CUSTOMER to the BANK..

8. The term “CUSTOMER” as used herein shall mean and refer with respect to particular LOAN ACCOUNTS, to all persons, whether one

or more, who apply for the LOAN ACCOUNT in question. If the application is signed by two or more persons authorizing each other

to obtain advances on such Accounts, all such persons shall be liable jointly and severally for all obligations arising under this

Agreement, Including the payment of principal and interest on the advances. The LOAN ACCOUNT must be established and

maintained under the same ownership rights as the CHECKING ACCOUNT, including authorized signees on the CHECKING

ACCOUNT.

9. The Term “Fast Cash” shall refer to a normal Fast Cash Account with up to one thousand ($1,000) dollars limit pursuant to these

Terms and Conditions.

10. In the event CUSTOMER defaults under this note and the note is referred to an attorney for collection, the CUSTOMER agrees to pay

attorney fees equal to fifteen (15%) percent of the amount due and court costs, and any court judgment rendered on the note shall bear

interest at the contract rate.

11. BANK may change the terms of the agreement, including the periodic rate and the annual percentage rate, at any time upon thirty

(30) days prior written notice mailed to CUSTOMER at the address furnished by the CUSTOMER to the BANK. CUSTOMER’s

continued use of Fast Cash following such notice shall constitute express written agreement to such change. CUSTOMER agrees

that any balance outstanding at the time of the effective date of any such change shall become, to the extent allowed by law, subject to

the new terms, including the new periodic rate and the new annual percentage rate, on the effective date of the change.

PREPAYMENT POLICY

CUSTOMERS may prepay, without penalty, any or all of their unpaid balance, including interest, up through the date

of the prepaid payment. However, a manual partial payment will not eliminate the automatic payment taken out of the

CUSTOMER’s account. A manual partial payment is a payment not automatically taken by the BANK as provided in

these Terms and Conditions herein. An automatic payment as used in these Terms and Conditions is the payment

automatically charged to the CUSTOMER’s account during the regular billing cycle.

COMPUTATION OF FINANCE CHARGE AVERAGE DAILY BALANCE A finance charge is imposed for each day on which credit is in use. There is no free period during which a finance

charge will not accrue. The bank figures the FINANCE CHARGE on your account by applying the periodic

rate .0575% to the “average daily balance” of your account including current transactions. To get the “average daily

balance” we take the beginning balance of your account each day, add any new loans, subtract any payments and un-

paid FINANCE CHARGES. This gives us the daily balance. Then we add all the daily balances for the billing cy-

cle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” The

daily periodic rate of .0575% is the equivalent of an ANNUAL PERCENTAGE RATE OF 21%. The Cecilian

Bank reserves the right to modify the rate of interest and any other terms and conditions of the agreement upon thirty

(30) days prior written notice mailed by the BANK to the CUSTOMER at the CUSTOMER’s address shown on the

BANK’s records.

FEES

An annual Maintenance Fee of twenty-five ($25) dollars will be assessed to your account in the month which your ap-

plication was approved. If item(s) presented exceed the amount available on Fast Cash, the item(s) presented may be

returned and the CUSTOMER may be charged an overdraft fee of thirty ($30) dollars for each item.

LATE CHARGE

A Late Charge of five ($5) dollars will be assessed if the specified payment is not received within ten (10) days of the

closing date of your billing cycle.

CONTRACT

The application by the CUSTOMER for a Fast Cash Account is understood to be an offer to the BANK. The BANK’s

approval of said application is understood to be acceptance of the CUSTOMER’s offer, and both the BANK and the

CUSTOMER shall be bound by the terms and conditions herein.

DISCLOSURE

COMPUTATION OF PAYMENT AMOUNT

Each month the BANK will provide the CUSTOMER with a Loan Statement. This statement is combined with the

CUSTOMER’s monthly checking account statement, and shows all loan activity for the month, along with the usual

checking information. The CUSTOMER will pay the BANK an amount equal to the lesser of the current balance or

10% of the committed loan amount. The BANK will automatically charge the CUSTOMER’s checking account for

the Fast Cash payment 26 days after CUSTOMER’s CHECKING ACCOUNT statement cycle date. This charge will

be reflected on the CUSTOMER’s CHECKING ACCOUNT statement each month. The CUSTOMER hereby author-

izes the BANK to pay the Fast Cash monthly payment automatically from the CUSTOMER’s checking account; the

CUSTOMER may request a stop payment on any amount believed to be incorrect. The stop payment request must be

received by the BANK three business days before the automatic payment is scheduled to occur.

HOW PAYMENTS ARE APPLIED

1. First to the previously billed Finance Charge and then 2. To the Principle Balance

If you ever need to report a possible complaint, please contact The Cecilian Bank immediately, either by mail at The

Cecilian Bank, 1808 N. Dixie Avenue, Elizabethtown, KY 42701 Attention: Compliance Department, by telephone at

270-737-1593 and ask to speak with a Customer Service Representative, or the web at www.thececilianbank.com

through the secure email link.