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and transactions include, but are not limited to, any quasi-cash or online gambling transaction, electronic commercegambling transaction conducted over an open network, and any betting transaction including the purchase of lottery ticketsor casino gaming chips or off-track betting or wagering. We may deny authorization of any transactions identified asgambling or that we reasonably suspect may involve gambling activity. However, in the event that a transaction described inthis paragraph is approved and processed, you will still be responsible for such charges.j.Communications. You will ensure that each electronic communication submitted to us through Online Banking complieswith this Agreement and all applicable law. You will not include any obscene, libelous, scandalous, or defamatory content inany communications with us or our suppliers.k.ConfidentialityWe will disclose information to third parties about your account or the transfers you make:1)2)3)4)2.3.Where it is necessary for completing transfers;In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;In order to comply with government agency or court orders; orIf you give us your written permission.Availability of Online Banking.a.General Availability. Our business days are Monday through Friday, excluding holidays. However, you can usually access OnlineBanking through the Site seven (7) days a week, twenty- four (24) hours a day, and we will use reasonable efforts to makeOnline Banking available for your use on a continuous basis. Transactions performed outside of business hours may not postuntil the next business day.b.Unavailability.1) At certain times, your access to Online Banking may be subject to delays, malfunctions, or other inconveniences.Accessibility to Online Banking may be interrupted or delayed or Online Banking may be unavailable ormalfunctioning because of conditions beyond our control, including outages in Internet or mobile services availability.Online Banking may also be unavailable for short periods of time for regular or emergency system maintenance.2) We cannot guarantee and are not responsible for the availability of Online Banking and we will not be liable for anydelay or interruption in or any unavailability of Online Banking.3) When Online Banking is unavailable, it may be possible to conduct some Online Banking transactions by calling us at888-405-4332.c.Our Discontinuance/Denial of Online Banking. We have the right to discontinue Online Banking at any time at ourdiscretion. If we choose to discontinue Online Banking, we will provide you with reasonable notice in advance of that factwhen possible. We also have the right to take actions to protect our systems and information, including denial of youraccess to Online Banking.Online Banking Services.Online Banking can be used to conduct any of the following financial services:a.Balance and Transaction Information. You may use Online Banking for informational purposes, including to obtain balanceand transaction information on your Eligible Account(s) and to view digital images of cleared checks you’ve written. Youmay also use Online Banking to download information regarding your Eligible Account(s) into Quicken and QuickBooks .1) If you use Online Banking to access information regarding your Eligible Account(s), you authorize the disclosure ofinformation related to your Eligible Account(s) through Online Banking.2) All account balances and transaction histories reflect activity through the close of the previous banking day.3) Any information provided through Online Banking, including information regarding your Eligible Account(s), issubject to verification by us. Eligible Account information accessed via Online Banking should not be considered anofficial record. If any information you obtain through Online Banking conflicts with our records, our records willcontrol.4) Not all information regarding your Eligible Account(s) can be accessed through Online Banking, and accountinformation accessed via Online Banking may not include all activity related to your Eligible Account(s) and may differfrom other records provided to you due to reasons which may include, but are not limited to, deposits in progress,outstanding payments, or charges.5) We will provide information accessible through Online Banking on a best efforts basis for your convenience, however,we will not be liable for: (a) any deficiencies in the accuracy, completeness, availability, or timeliness of suchinformation; (b) any errors or omissions in the delivery or transmission of such information; or (c) any investment orother decision made by you using this information.b.Intra-Bank Transfers. You may use Online Banking to make the following types of intra-bank transfers (“Intra-BankTransfer(s)”):1) Transferring money between your Eligible Accounts.2) Transferring money to pay us for overdraft protection; and3) Transferring money to make loan payments for loans you have with us.c.External Transfers. External Transfers enables you to transfer funds between your Account(s) that you maintain with us onthe one hand, and your Account(s) that are maintained by other financial institutions (External Accounts).12-2021Personal Online Banking AgreementPage 3 of 27

d.1)To use our External Transfer Service, you must enroll in External Transfer through the Site and you must beapproved by us for enrollment.2)Additional terms and conditions for External Transfer are located in Section 32 at the end of this Agreement.3)You represent and warrant that you are either the sole owner or a joint owner of the Eligible Account and the ExternalAccount and that you have all necessary legal right, power, and authority to transfer funds between the EligibleAccount and the External Account. If you are a joint owner of the Eligible Account, External Account, or both, then yourepresent and warrant that (i) you have been authorized by all of the other joint owners to operate such Accountswithout their consent (including, without limitation, to withdraw or deposit any amount of funds to such Accounts or toeven withdraw all funds from such Accounts); and (ii) we may act on your instructions regarding such Accountswithout liability to such other joint owners. Further, you represent and warrant that the External Account is located inthe United States.4)When we receive an External Transfer instruction from you, you authorize us to (i) debit your Eligible Account andremit funds on your behalf to the External Account designated by you, or, as applicable, to (ii) credit your EligibleAccount and remit funds on your behalf from the External Account designated by you. You also authorize us to reversea transfer from the applicable Account if the debit is returned from the other account in the transaction for any reason,including, but not limited to, nonsufficient funds.Online Bill Pay. Our bill payment service (“Online Bill Pay”), which includes the Zelle service, is an optional OnlineBanking service that allows you to schedule bill payments (“Bill Payments”) and send and receive person-to-personpayments through Online Banking.1)2)3)4)5)6)7)To use Online Bill Pay, you must enroll in Online Bill Pay through the Site and you must be approved by us forenrollment. You will be provided additional disclosures for the Bill Pay Service in the form of the Personal Bill PayTerms of Service.To use Online Bill Pay, you must have an Eligible Account that is eligible for Online Bill Pay and approved by us. Aspart of the enrollment process, you will be required to designate such an Eligible Account from which any BillPayments will be debited (your "Online Bill Pay Account").You may use Online Bill Pay to make Bill Payments to any merchant, financial organization, or individual with a U.S.address.Once you are enrolled in Online Bill Pay, you may do the following through the Site: (i) schedule one time and recurringBill Payments; (ii) set automatic Bill Payment for eligible electronic bills you have sent directly to your Online Bill PayAccount; (iii) set preapproved payment limits for recurring bills; (iv) review your pending and paid Bill Payments; and(v) generate reports designed to track your spending from month-to-month.We may, at our option, complete Bill Payments by electronic funds transfer or by issuing a paper check drawn uponyour Eligible Account.You are responsible for scheduling Bill Payments on time and for any fees charged to you by third parties as a result ofyour failure to do so.Online Bill Pay is subject to additional terms and conditions (including those for Zelle ). You must agree to these termsand conditions in order to complete your enrollment in Online Bill Pay and before you may use Online Bill Pay.b.Mobile Banking. The “Mobile Banking” service is an optional Online Banking service which allows you mobile access toyour Eligible Account information through Short Message Service (“SMS”), mobile application (“App”), and mobile webbrowser; and provides you the option of setting up alerts for your Eligible Account(s).1) To use Mobile Banking, you must enroll in Mobile Banking through the Site and you must be approved by usfor enrollment.2) Additional terms and conditions for Mobile Banking are located in Section 30 at the end of this Agreement.c.Mobile Capture Service. Our “Mobile Capture” service is an optional Online Banking service which allows you to use theMobile Application and certain hardware (such as a smartphone or other mobile device) approved by us to deposit certainpayment instruments.1) When you are enrolled in Mobile Banking, you will automatically be enrolled in Mobile Capture.2) Additional terms and conditions for Mobile Capture are located in Sections 30 and 31 at the end of this Agreement.d.Card Control Service. Our “Card Control” service is an optional Online Banking service which allows you to use the CardControl Service and certain hardware (such as a computer, smartphone, or other mobile device) approved by us to allow youto control where and how your debit card is used.e.Credit Sense. Our “Credit Sense” service is an optional Online Banking service, which allows you to access and monitor yourcredit scores as well as receive tips to improve it.1) To use Credit Sense, you must enroll in Credit Sense through the Site and you must be approved by us for enrollment. Youwill be provided additional disclosures for this service in the form of the Savvy Money Terms of Service.f.MoneyHub. Our “MoneyHub” service is an optional Online Banking service which allows you to aggregate your financialinstitution accounts, track spending and budgeting, categorize transactions, receive financial insights, and assess financialwellness scores.1) To use MoneyHub service, you must enroll in the Online Banking Service through the Site and you must beapproved by us for enrollment2) Additional terms and conditions for the MoneyHub service are located in Section 33 at the end of this Agreement.12-2021Personal Online Banking AgreementPage 4 of 27

4.g.FFB Transfer. You may use Online Banking to transfer money from your Eligible Accounts to the Eligible Accounts of otherFirst Foundation Bank customers (“FFB Transfer(s)”).1) To use FFB Transfer you must enroll in Online Banking and be approved by us.2) There are limits on the amount of money you can send or receive through our FFB Transfers Service. Yourtransaction limits are set by the bank and may be adjusted by us from time to time, in our sole discretion.h.Online Chat. You may use Online Banking to chat with our customer service representatives between the hours of 9:00 a.m. and5:00 p.m. (Pacific Time) Monday through Friday on business days that the Bank is open. You understand that your chatconversations with our staff are not private and may be recorded or logged or otherwise monitored for training or any otherpurpose not prohibited under the law, including for purposes of establishing the nature and content of your chats with us. Youagree to utilize the chat service to seek assistance from our staff concerning your accounts, transactions, and/or the OnlineBanking Services and not to use any actual or suggestive language during any chat session with us that is sexually oriented;promotes hate, violence, racial intolerance, or the financial exploitation of a crime; defames, abuses, harasses, or threatensanyone; or that includes any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent, ordiscourteous.i.Secure Email Inbox Support. You may use Online Banking to send us secure emails by selecting “Compose Message” under“Messages” within Online Banking. Secure emails sent through Online Banking may include confidential information, suchas account numbers and balances; however, you cannot use our secure email service to initiate Transactions. Our staff willmonitor our secured email inbox between 8:00 a.m. and 5:00 p.m. (Pacific Time) Monday through Friday on business days thatthe Bank is open. However, we cannot guarantee that our staff will be able to respond promptly or that your email will bereceived by our system (e.g. not blocked, sent to an unmonitored “junk” or “spam” folder, or otherwise lost or intercepted intransit). All Transactions must be initiated using the appropriate functions within the Site. We will not be liable or responsiblefor any errors, omissions, claims, problems, or delays of any kind involving your email.j.Customer Information Changes (Address, Email, and Phone Number). You may use Online Banking to update your address,email, and phone number with us. You are required to keep your contact information with us up to date. If you fail to ensurethat the contact information we have on file is accurate and up to date, we will not be responsible for missing, misdirected, orlate Communications (including statements and other important notices) sent to out of date mailing addresses or emailaddresses.k.Document Access. You may use Online Banking to access your periodic account statements and to obtain copies of IRS Form1099s that we have issued to you for a period of three (3) years from the date of issuance. To obtain copies of documents notavailable through Online Banking, contact us at 888-405-4332.l.Transaction Downloads. You may use Online Banking to download Account Activity into a variety of formats (including .csv,.qbo, .qfx, and .xls).Transactions; Transaction Requests.a.Transaction Requests.1) “Transaction Requests” means any transaction or transfer (each a “Transaction”) initiated using Online Banking.Transaction Requests include, but are not limited to, Intra-Bank Transfers and Bill Payments.2) We will only process a Transaction Request that: (i) is actually received by us; (ii) identifies the Eligible Account fromwhich it is to be paid; (iii) does not exceed the funds available for withdrawal from the applicable Eligible Account(“Available Funds”), as determined in accordance with the applicable Account Agreement and our funds availabilitypolicy; (iv); does not involve funds subject to a hold dispute or legal process preventing their withdrawal; (v) does notexceed any transaction limits applicable to your Eligible Account(s) or other restrictions or limitations established by us;(vi) is authorized by you and satisfies applicable Security Procedures; (vii) is accepted by us; and (viii) complies withany other written instructions, requirements, and restrictions set forth in this Agreement, your Application, or otherwiseprovided to you in writing by us. We may refuse to honor any Transaction Request which does not comply with any ofthese requirements.3) You authorize us to charge your Eligible Account(s) in the amount directed by a Transaction Request(s).4) We assume no liability except as otherwise set forth in this Agreement for accepting incoming Transaction Requests.b.Our Reliance on Transaction Requests. If a Transaction Request received by us was transmitted or authorized by you, it willbe effective as your Transaction Request whether or not we complied with applicable Security Procedures with respect tothat Transaction Request and whether or not that Transaction Request was erroneous in any respect or that error wouldhave been detected if we had complied with applicable Security Procedures.c.Executing Transaction Requests. Unless otherwise provided by this Agreement:1) We will process Transaction Requests issued in your name using Online Banking in the amount described in theTransaction Request and from or to your Eligible Account(s), all as described in each Transaction Request.2) We will execute Transaction Requests on the day that a Transaction Request is received, provided that the TransactionRequest is received by the applicable cutoff time and provided the day of receipt is a business day for us (and for theFederal Reserve Bank, if applicable).3) In attempting to execute any Transaction Request(s), we will use reasonable efforts to utilize the means oftransmission specified in the Transaction Request (if any), but in no way will we be limited to such means oftransmission.Personal Online Banking AgreementPage 5 of 2712-2021

d.Time or Receipt of Transaction Requests.1) The applicable cutoff times for receiving certain Transaction Requests are indicated in this Agreement, yourApplication, notice(s) issued by us, or on the Site page used for making such Transaction Requests.2)3)4)e.All Transactions initiated by a Transaction Request prior to the applicable cutoff time on a Business Day will beposted to your applicable Eligible Account on the same Business Day they were initiated.All Transactions initiated by a Transaction Request after the applicable cutoff time or not on a Business Day will beposted to your applicable Eligible Account on the following Business Day.We have the right to change cutoff times or other deadlines at any time at our discretion.Cancelling Online Banking Transactions.1)Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out ofyour account, you can stop any of these payments. Here's how:Call us at 888-405-4332, or write us at Online Banking Support, 18101 Von Karman Ave., Suite 750, Irvine CA 92612, intime for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, wemay also require you to put your request in writing and get it to us within 14 days after you call. We will charge you a feeas set forth on our Fee Schedule for each stop-payment order you give.2)Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you,10 days before each payment, when it will be made and how much it will be. You may choose instead to get this noticeonly when the payment would differ by more than a certain amount from the previous payment, or when the amountwould fall outside certain limits that you set.3)Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.f.Online Stop Payment for Checks1) Online Banking can be used for stopping certain payments (“Online Stop-Payment”). This feature is accessible in the“Stop Payment” menu of the Site and allows you to securely forward Online Stop-Payment requests to us forprocessing.2) You authorize us to accept Online Stop-Payment sent through the Site.3) Online Stop-Payment can only be used to stop

Personal Online Banking, we have the right to terminate your access to Personal Online Banking. If we do not terminate your access to Personal Online Banking, we will provide paper copies of Electronic Records related to Personal Online Banking to you to at your Mailing Address. 6. Hardware and Software Requirements.