Document:

EX-10.1

TECHNOLOGY OUTSOURCING AGREEMENT

This Technology Outsourcing Agreement is made as of the 21st day of December 2009 (the
“Effective Date”), by and between Juniata Valley Bank, a Pennsylvania corporation (“Customer”), and
Metavante Corporation, a Wisconsin corporation (“Metavante”).

Customer desires Metavante to provide to Customer the services set forth in this Agreement,
and Metavante desires to provide such services to Customer, all as provided in this Agreement.

THEREFORE, in consideration of the payments to be made and services to be performed hereunder,
upon the terms and subject to the conditions set forth in this Agreement and intending to be
legally bound, the parties hereto agree as follows:

Metavante shall provide to Customer and Customer shall receive from Metavante, all upon the
terms and conditions set forth in this Agreement, the Services specified in this Agreement. The
term of this Agreement shall commence on the Effective Date and end on the eighth (8th)
anniversary of the last day of the month in which the Commencement Date occurs (the “Initial
Term”). The parties also agree to use their best efforts to perform the Implementation such that
the Commencement Date occurs on or before June 28, 2010.

As of the Effective Date, the parties acknowledge that this Agreement includes the following
Schedules:

	 
	Termination Fee Schedule

Services and Charges Schedule

Exhibits

Service Level Schedule

Implementation Schedule

As of the Effective Date, the parties acknowledge that Services will be provided for
Customer and the following Affiliates of Customer: none

By signing below, the parties agree to the terms and conditions of this Agreement, and
Customer appoints Metavante as Customer’s attorney-in-fact to transmit files and information to the
Internal Revenue Service (“IRS”) and to take all appropriate actions in connection therewith and
empowers Metavante to authorize the IRS to release information return documents supplied to the IRS
by Metavante to states which participate in the “Combined Federal/State Program”. Customer
acknowledges that Metavante’s transmission of files and information to the IRS on Customer’s behalf
does not relieve Customer of responsibility to provide accurate TINs or liability for any penalties
which may be assessed for failure to comply with TIN requirements.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed on their behalf as
of the date first above written.

	 	 	 
	METAVANTE CORPORATION	 	JUNIATA VALLEY BANK
	4900 W. Brown Deer Road

Brown Deer, WI 53223

By: s/s James R. Geschke
	 	Two South Main Street

Mifflintown, PA 17059

By: s/s Marcie Barber

	 
	 	 

	Name: James R. Geschke

Title: Executive Vice President

By: s/s Edmond B. Nolley, Jr.

Name: Edmond B. Nolley, Jr.
	 	Name: Marcie Barber

Title: Senior Vice

President and Chief

Operating Officer

By:

	Title: General Manager, Baltimore Solutions
	 	Name:

	Center
	 	Title:

TERMS AND CONDITIONS

	1.	 	CONSTRUCTION

1.1. Definitions. Capitalized terms shall have the meaning ascribed to them in
Article 17 of this Agreement.

1.2. References. In this Agreement, references and mention of the word “includes” and
“including” shall mean “includes, without limitation” and “including, without limitation,” as
applicable, and the word “any” shall mean “any or all”. Headings in this Agreement are for
reference purposes only and shall not affect the interpretation or meaning of this Agreement.

1.3. Interpretation. The terms and conditions of this Agreement and all schedules
attached hereto are incorporated herein and deemed part of this Agreement. In the event of a
conflict between the general terms and conditions and the terms of any schedules or exhibits
attached hereto, the terms of the schedules and exhibits shall prevail and control the
interpretation of the Agreement with respect to the subject matter of the applicable schedules
and/or exhibits. The schedules and exhibits together with the general terms and conditions shall
be interpreted as a single document. This Agreement may be executed simultaneously in any number of
counterparts, each of which shall be deemed an original, but all of which together constitute one
and the same agreement.

1.4. Affiliates. Customer agrees that it is responsible for ensuring compliance with
this Agreement by those of its Affiliates that receive Services under this Agreement. Customer
agrees to be responsible for the submission of its Affiliates’ data to Metavante for processing and
for the transmission to Customer’s Affiliates of such data processed by and received from
Metavante. Customer agrees to pay any and all fees owed under this Agreement for Services rendered
to its Affiliates.

2. TERM

2.1. Duration. Unless this Agreement has been earlier terminated or unless Customer
provides Metavante with written notice of non-renewal at least six (6) months prior to the
expiration of the Initial Term, this Agreement shall automatically renew at the end of the Initial
Term on the same terms (including pricing terms) for one (1) twelve-month period. Upon expiration
of such twelve (12) -month extension, this Agreement shall expire unless renewed in writing by the
parties, provided, however, that Metavante may, but has no obligation to, continue to provide all
or any portion of the Services thereafter on a month-to-month basis upon Customer’s request subject
to these Terms and Conditions and Metavante’s then-current standard fees and charges.
Notwithstanding the foregoing, at least one hundred and twenty (120) days prior to the expiration
of the then current term, Metavante shall provide Customer with a written notice containing the
applicable rates for the next Renewal Term.

2.2. Termination Assistance. Following the expiration or early termination of this
Agreement, Metavante shall provide to Customer the Customer Data in the format in which it exists
on Metavante’s systems, in accordance with the greater of one-sixth (1/6) of Customer’s most recent
Annual Fee or $10,000. Metavante will waive de-conversion fees for standard de-conversion tapes in
the event this Agreement is terminated by Customer under Section 8.2 of this Agreement. In
addition, Metavante agrees to provide to Customer, at Customer’s expense, all necessary assistance
to facilitate the orderly transition of Services to Customer or its designee (“Termination
Assistance”). As part of the Termination Assistance, Metavante shall assist Customer to develop a
plan for the transition of all Services then being performed by Metavante under this Agreement,
from Metavante to Customer or Customer’s designee, on a reasonable schedule developed jointly by
Metavante and Customer. Prior to providing any Termination Assistance, Metavante shall deliver to
Customer a good-faith estimate of all such Expenses and charges, including charges for custom
programming services. Customer shall pay for the Customer Data and any Termination Assistance in
advance of Metavante providing such data or assistance. Nothing contained herein shall obligate
Customer to receive Termination Assistance from Metavante. Metavante may withhold performance of
its obligations under this Section in the event that Customer is in default of any payment
obligations under this Agreement.

3. LICENSES

3.1. Customer Marks. Metavante is authorized to, for the duration of the Agreement,
use Customer’s service marks and trademarks solely if necessary to perform the Services and solely
for the purpose of providing the Services to Customer. Any use of Customer’s marks by Metavante
shall be subject to Customer’s prior written approval, which shall not be unreasonably withheld by
Customer.

3.2. Software License. The following terms will apply with respect to any software
provided by Metavante to Customer:

a. Scope of License: The Metavante Software is a copyrighted software product
developed and owned by Metavante. All rights are reserved worldwide. Customer shall not sell,
lease, copy, distribute, transfer, assign or sublicense the Metavante Software to any third party.
Customer will make no more than two (2) copies of the Metavante Software for backup and archival
purposes and may make no copies for any other purpose. Customer is responsible for maintaining
backup copies of the Metavante Software. The Metavante Software is licensed for use on individual
computers and individual network workstations. Customer may change the location at which the
Metavante Software is used only after written notification to Metavante specifying the new
location. The license granted hereby shall commence upon the delivery of the Metavante Software
and shall continue until terminated in accordance with the terms contained herein.

b. Use. Altering, modifying, maintaining or servicing the Metavante Software by
anyone other than Metavante shall relieve Metavante of any obligation under the software agreement.
Metavante shall have no liability for any failure of the Software due to the failure of Customer
to use the Software in accordance with the documentation provided by Metavante or if the Software
is not workable because of the malfunction of Customer’s hardware or operating system or the
failure of such hardware or operating system to perform as represented, or for any other cause
beyond Metavante’s control.

c. Software Support: Metavante will provide to Customer improvements or enhancements
as these are developed for the Metavante Software. Program improvements or enhancements shall mean
changes to the programs furnished as part of the Metavante Software which result in the correction
of program errors, more efficient processing, a reduction in memory requirements, or procedural
changes to allow more effective use of the Metavante Software. Metavante shall use reasonable
efforts to correct any errors in the Metavante Software that are reported to Metavante in writing
during the term of the Software Agreement, provided such errors can be recreated with Metavante ‘s
then current version of the Metavante Software. Unlimited phone support is provided during normal
business hours, Monday through Friday from 7:00 a.m. until 5:30 p.m. Central time. Software
support excludes support required to recover data following Customer’s failure to backup system and
excludes support required to install or change any software or hardware, such as a new method of
download. These are not to be considered the only exclusions to software support. On-site
services are not provided. In the event the Customer should desire any additional support services
relating to the Software, Customer will be billed at Metavante ‘s then prevailing time and
materials rates and travel and lodging reimbursement cost which shall be fixed at $180 per hour for
the Initial Term of the Agreement.

d. Delivery and Installation: The Software will be delivered to the Customer at the
time and location designated by the parties or, if the necessary computer equipment and an
appropriate installation environment are not available at such time, as soon after such time as the
equipment and environment are available as is reasonably practicable. Metavante shall install the
Software, but it shall be the responsibility of the Customer to provide an appropriate and adequate
work environment.

4. SERVICES

4.1. Implementation of Services. Metavante shall, in consultation with Customer,
develop a customized plan for the Implementation (the “Implementation Plan”).

4.2. Initial Services. Metavante shall first commence providing the Initial Services
on the Commencement Date and/or as specified in the Conversion Plan.

4.3. Professional Services. Metavante shall perform the Professional Services for
Customer as set forth in the Services and Charges Schedule and the Conversion Plan and shall
perform additional Professional Services as mutually agreed upon by the parties from time to time
under this Agreement, provided that either party may require execution of a separate mutually
acceptable professional services agreement prior to Metavante’s performance of Professional
Services other than those set forth in the Services and Charges Schedule or the Conversion Plan.
Notwithstanding any other provision of this Agreement, Metavante’s maximum liability with respect
to any Professional Services performed shall be limited to the value of the Professional Services
engagement giving rise to the claim for Damages.

4.4. Service Levels. Service Levels, if any, relating to a particular Service shall
be as set forth in the Service Level Schedule. The parties agree that Metavante’s performance of
Services at a level at or above any Service Level shall be satisfactory performance. Metavante
shall cure any failure to achieve a Service Level within the period specified within the applicable
schedule. Remedies, if any, for failure to achieve a Service Level shall be as set forth in the
Service Level Schedule.

4.5. Payment Services. The following additional terms shall apply with respect to
Payment Services. Payment Services are those Services provided by Metavante to effect payments
between Customer’s clients and third parties.

A. Pay Anyone Services. “Pay Anyone” services are those services that Metavante
provides to remit payments to any U.S. payee using electronic funds transfer or paper checks. The
services may include online user interfaces and electronic statement presentment. The following
terms apply to these Services.

(i) Access. Customer shall comply with Metavante’s requirements for making the
Services operational and available for Customer and/or End Users (as hereinafter defined). An “End
User” or a “User” is a person for whom Metavante provides the Services on Customer’s instruction or
on Customer’s behalf. In the event that Metavante shall provide online user interfaces for the
Services (the “Branded Website(s)”), Customer agrees that Metavante is under no obligation to
provide any person with access to the Services unless and until Customer has provided Metavante
with all information and documentation required by Metavante for End User set-up.

(ii) End User Agreements. Customer is solely responsible for verifying each End
User’s identity, and for contracting with, and managing the relationship with, End Users of the
Services, and obtaining all necessary End User authorization to provide the Pay Anyone Services.
Metavante will not have a contractual relationship with End Users, and so must rely upon Customer
to manage liability and risk issues. Customer will include reasonable provisions in its End User
agreements regarding, and shall indemnify Metavante against, defend Metavante against, and hold
Metavante harmless from claims arising from (a) Customer’s failure to verify the End User’s
identity; (b) any End User’s use of or inability to use the Services, specifically including any
End User’s claim for economic loss or damages arising from the End User’s use of the Services; (c)
transactions effected with a lost, stolen, counterfeit, or misused log-in ID and/or password; or
(d) actions taken by Metavante in accordance with an End User’s instruction. Customer and its End
Users shall be responsible for selecting and safeguarding their passwords for using the Services.
As between Customer and Metavante, any use of the Services through use of a valid password shall be
authorized use, provided that Metavante will cancel or disable any End User promptly following
notification from Customer.

(iii) Settlement Account. Customer shall designate the applicable settlement account
for transactions. The settlement account shall be either each End User’s designated account for
bill payment activities initiated by the End User or Customer’s designated central settlement
account to fund such payments. Customer is and shall remain solely and exclusively responsible to
Metavante for the entire amount of any payment processed for and on behalf of an End User that is
not funded due to insufficient funds in the applicable settlement account or for any other reason
outside Metavante’s control, whether or not the payment was authorized by the End User. The funds
transferred to or held by Metavante from time to time to fund bill payments are held by Metavante
as custodian only and on behalf of the applicable End Users. Such funds shall be segregated from
the assets of Metavante, but Metavante shall have no obligation to invest such funds, or otherwise
make such funds productive, for the benefit of any other party to the transaction, and Metavante’s
sole duties shall be as set forth in this Agreement.

(iv) Payment Processing. Metavante shall have the right to remit, stop, cancel, and
manage payments and ACH re-issuance and returns as deemed most reasonable by Metavante, and
Metavante may cancel payments, or block any User from initiating additional payments, in
Metavante’s reasonable discretion. Customer authorizes Metavante to contact payees and End Users
with respect to payments processed by Metavante. Metavante may process payments using the
Automated Clearing House (“ACH”). In doing so, Metavante acts as Customer’s third-party service
provider and is not itself an “Originator,” “ODFI,” or “RDFI” (as defined under National Automated
Clearing House Association (“NACHA”) rules). Metavante may remit payments using checks drawn on
Metavante’s clearing account, and may set an expiration date for such checks. Metavante may also
remit payments using checks drawn on the User’s designated account. From time to time, Metavante
may contact End Users to recover payment errors (common sources of payment errors include incorrect
recipient (payee); delivered incorrectly by the postal service; consolidation error directed the
payment to an incorrect party; stop-payment request honored and funds re-credited to End User’s
account, but the check was paid; Metavante error; or duplicate payment made to payee). In the case
of payment errors, Metavante will always contact the payee first to attempt direct retrieval of the
funds. If Metavante is unable to retrieve the funds from the payee and the End User received
benefit of the payment, Metavante may seek reimbursement from the End User. Customer shall be
responsible for any losses to Metavante associated with payments by Metavante to, or at the
direction of, government agencies, organizations and institutions, or court-directed payments.
Payments to unlawful Internet gambling sites through the Service are prohibited and may be blocked
by Metavante.

(v) Data Transfers. In the event that Customer transfers data from another
service provider to Metavante to convert Customer’s end users to Metavante’s systems, Metavante
will not be responsible for any errors, delays, or problems in providing the Services that arise
from the quality, reliability, or currency of the transferred data, including, without limitation,
late fees for payments that are delayed due to the conversion of inaccurate or outdated payee data.
In the case of deconversions of User data from Metavante’s system, Customer shall pay Metavante
fees, at Metavante’s then-standard professional services rates, to deconvert the User data at
Customer’s request, which amounts shall be limited in aggregate to $10,000. Customer agrees to
provide Metavante at least six (6) weeks notice of any request to convert or deconvert User data to
or from Metavante’s systems. All payee data and Metavante’s payee database shall be Metavante’s
property, which may be used by Metavante without limitation for purposes of maintaining and
providing “Pay Anyone” bill payment services for Metavante’s customers.

5. FEES

5.1. Fee Structure. Customer agrees to pay fees for the Initial Services as set forth
in the Services and Charges Schedule. If Customer elects to receive Services that are not
specifically set forth in the Services and Charges Schedule, Customer agrees to pay fees as
mutually agreed upon for such Services. Any Services not identified in the Services and Charges
Schedule will be at Metavante’s standard pricing unless the parties mutually agree in writing to a
different price.

5.2. Pricing and Operational Assumptions. The Services and Charges Schedule shall set
forth any operational and pricing assumptions made by Metavante following completion of its
preliminary due diligence of Customer’s requirements and its evaluation of information provided by
Customer. If one or more of the pricing or operational assumptions listed in the Services and
Charges Schedule are inaccurate or incomplete in any material respect, the parties will negotiate
in good faith regarding an equitable adjustment to any materially and adversely impacted provisions
of this Agreement.

5.3. Excluded Costs. The fees set forth in the Services and Charges Schedule do not
include Expenses, late fees or charges, or Taxes, all of which shall be the responsibility of
Customer.

5.4. Disputed Amounts. If Customer disputes any charge or amount on any invoice and
such dispute cannot be resolved promptly through good-faith discussions between the parties,
Customer shall pay the amounts due under this Agreement minus the disputed amount, and the parties
shall diligently proceed to resolve such disputed amount. An amount will be considered disputed in
good faith if (i) Customer delivers a written statement to Metavante, on or before the due date of
the invoice, describing in reasonable detail the basis of the dispute and the amount being withheld
by Customer, (ii) such written statement represents that the amount in dispute has been determined
after due investigation of the facts and that such disputed amount has been determined in good
faith, and (iii) all other amounts due from Customer that are not in dispute have been paid in
accordance with the terms of this Agreement. Customer’s right to assert claims under this
Agreement shall be subject to Customer’s payment in full of previously invoiced, past due amounts
that have not been disputed in accordance with this Section.

5.5. Terms of Payment.  Any and all other amounts payable under this Agreement shall
be due thirty (30) days following the date of invoice, unless otherwise provided in the Services
and Charges Schedule. If actual monthly fees incurred during a month are less than the Monthly
Prepaid Amount for that month, the excess payment will be credited against the next month’s
invoice. Unpaid invoiced amounts shall be subject to annual interest at the rate of 12% or the
highest rate permitted by law, whichever is lower, which shall begin to accrue on the date the
applicable amount becomes past due. For purposes of the foregoing, amounts disputed and
subsequently determined to be payable to Metavante shall be deemed to have become due on the due
date of the first invoice on which they appeared. Customer shall also pay any collection fees,
court costs, reasonable attorneys’ fees, and other fees, costs, and charges incurred by Metavante
in collecting payment of the charges and any other amounts for which Customer is liable under the
terms and conditions of this Agreement. Customer agrees to maintain a depository account with a
financial institution reasonably acceptable to Metavante for the payment of amounts payable
hereunder and hereby authorizes Metavante to initiate debit entries to such account for the payment
of amounts payable hereunder. Customer agrees to provide Metavante with any and all information
necessary for Metavante to initiate such debit entries via the Automated Clearing House (ACH)
system. Customer shall pay to Metavante a postage escrow fund, which shall be equal to ninety (90)
days’ estimated postage fees and shall be held by Metavante as security for Customer’s payment of
postage. Metavante shall refund such amount to Customer when this Agreement is terminated and
Customer has fully performed all of its obligations hereunder. Customer shall, upon Metavante’s
request, prepay postage for any particular mailing. Notwithstanding any other provision of the
Agreement, in the event that the Federal Deposit Insurance Corporation (“FDIC”) determines that
Customer is engaging in an unsafe or unsound banking practice, as defined at section 325.4 of the
FDIC Rules and Regulations, 12 C.F.R. §325.4, by virtue of the fact that Customer has an
unacceptable ratio of Tier I capital to total assets, as those terms are defined in sections
325.2(v) and 325.2(x) of the FDIC Rules and Regulations, 12 C.F.R. §§ 325.2(t) and 325.2(v),
otherwise determines that Customer is not adequately capitalized, and/or issues a Capital Directive
or other order directing Customer to restore and maintain its Tier 1 or other capital to a
particular level, then Customer shall, upon Metavante’s written request, (a) prepay for Services
by remitting to Metavante, on the first of each month, an amount equal to the average charges
payable by Customer to Metavante during the previous three (3) months, and (b) pay for all
professional services provided by Metavante for Customer, or for the FDIC and related to Customer,
at the then-current Metavante rate for such services. Customer agrees to maintain a depository
account with a financial institution reasonably acceptable to Metavante for the payment of such
amounts and hereby authorizes Metavante to initiate debit entries to such account for the payment
of such amounts. Customer agrees to provide Metavante with any and all information necessary for
Metavante to initiate such debit entries via the Automated Clearing House (ACH) system.

	6.	 	PERFORMANCE WARRANTY/DISCLAIMER OF ALL OTHER WARRANTIES

6.1. Performance Warranty. Metavante warrants that it will provide all Services in a
commercially reasonable manner and in conformance in all material respects with the applicable
Documentation (the “Performance Warranty”).  Where the parties have agreed upon Service Levels for
any aspect of Metavante’s performance, such Service Levels shall apply in lieu of the Performance
Warranty. THIS PERFORMANCE WARRANTY IS SUBJECT TO THE WARRANTY EXCLUSIONS SET FORTH BELOW IN
SECTION 6.2.

6.2. Performance Warranty Exclusions. Except as may be expressly agreed in writing by
Metavante, Metavante’s Performance Warranty does not apply to:

A. defects, problems, or failures caused by the Customer’s nonperformance of obligations
essential to Metavante’s performance of its obligations; and/or

B. defects, problems, or failures caused by an event of force majeure.

6.3 DISCLAIMER OF ALL OTHER WARRANTIES. THIS PERFORMANCE WARRANTY, AND THE WARRANTIES
IN ARTICLE 12 HEREOF, ARE IN LIEU OF, AND METAVANTE DISCLAIMS ANY AND ALL OTHER WARRANTIES,
CONDITIONS, OR REPRESENTATIONS (EXPRESS OR IMPLIED, ORAL OR WRITTEN) WITH RESPECT TO THE SERVICES
PROVIDED UNDER THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY AND ALL IMPLIED WARRANTIES OF
MERCHANTABILITY OR FITNESS OR SUITABILITY FOR ANY PURPOSE (WHETHER OR NOT METAVANTE KNOWS, HAS
REASON TO KNOW, HAS BEEN ADVISED, OR IS OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), WHETHER
ALLEGED TO ARISE BY LAW, BY REASON OF CUSTOM OR USAGE IN THE TRADE, OR BY COURSE OF DEALING. IN
ADDITION, METAVANTE DISCLAIMS ANY WARRANTY OR REPRESENTATION TO ANY PERSON OTHER THAN CUSTOMER WITH
RESPECT TO THE SERVICES PROVIDED UNDER THIS AGREEMENT.

	7.	 	MODIFICATION OR PARTIAL TERMINATION

7.1. Modifications to Services. Metavante may relocate, modify, amend, enhance,
update, or provide an appropriate replacement for the software used to provide the Services, or any
element of its systems or processes at any time or withdraw, modify, or amend any function of the
Services, provided that neither the functionality of the Services or performance thereof nor any
applicable Service Levels are materially adversely affected.

7.2. Partial Termination by Metavante. Except as may be provided in any Schedule,
Metavante may, at any time, withdraw any of the Services upon providing ninety (90) days’ prior
written notice to Customer, provided that Metavante is withdrawing the Service(s) from its entire
client base. Metavante may also terminate any function or any Services immediately upon any final
regulatory, legislative, or judicial determination that providing such function or Services is
inconsistent with applicable law or regulation or the rights of any Third Party. If Metavante
terminates any Service pursuant to this paragraph, Metavante agrees to assist Customer, without
additional charge, in identifying an alternate provider of such terminated Service and shall
cooperate in any conversion and provide deconversion services. Metavante will support the most
recent Bankway release during the Initial Term of this Agreement, regardless of how much time has
elapsed since its delivery to Customer by Metavante. Notwithstanding the foregoing, if
during the Initial Term of the Agreement, Metavante notifies Customer that Metavante intends to
convert Customer’s deposit and loan account data to a platform other than Metavante’s Bankway
core processing software, then, prior to the effective date of such conversion, Customer may
terminate the Metavante Bankway core processing software services without paying the
Termination Fee. For clarification purposes, Metavante Bankway core processing software services
does not include Digital Insight and Metavante EFT services.

7.3. Partial Termination by Customer. Except as may be provided in any Schedule,
Customer agrees that, during the Term, Metavante shall be Customer’s sole and exclusive provider of
all Services. If Customer breaches the foregoing covenant, the same shall constitute a partial
termination of this Agreement, and Customer shall pay Metavante the Termination Fee for the
affected Service, as liquidated damages and not as a penalty.

	8.	 	TERMINATION/DEFAULT

8.1. Early Termination. The terms and conditions set forth on the Termination Fee
Schedule of the Agreement shall govern the early termination of this Agreement (or any Service).

8.2. For Cause. If either party fails to perform any of its material obligations
under this Agreement (a “Default”) and does not cure such Default in accordance with this Section,
then the non-defaulting party may, by giving notice to the other party, terminate this Agreement as
of the date specified in such notice of termination, or such later date agreed to by the parties,
and/or recover Damages. A party may terminate the Agreement in accordance with the foregoing if
such party provides written notice to the defaulting party and either (a) the defaulting party does
not cure the Default within sixty (60) days of the defaulting party’s receipt of notice of the
Default, if the Default is capable of cure within sixty (60) days, or (b) if the Default is not
capable of cure within sixty (60) days, the defaulting party does not both (i) implement a plan to
cure the Default within sixty (60) days of receipt of notice of the Default, and (ii) diligently
carry-out the plan in accordance with its terms. The parties acknowledge and agree that a failure
to pay any amount when due hereunder shall be a Default that is capable of being cured within
thirty (30) days. The parties acknowledge and agree that any error in processing data, preparation
or filing of a report, form, or file, or the failure to perform Services as required hereunder
shall be satisfactorily cured upon the completion of accurate re-processing, the preparation or
filing of the accurate report, form, or file, or the re-performance of the Services in accordance
with applicable requirements, respectively within thirty (30) days of the notice of Default.

8.3. For Insolvency. In addition to the termination rights set forth in Sections 8.1
and 8.2, subject to the provisions of Title 11, United States Code, if either party becomes or is
declared insolvent or bankrupt, is the subject to any proceedings relating to its liquidation,
insolvency or for the appointment of a receiver or similar officer for it, makes an assignment for
the benefit of all or substantially all of its creditors, or enters into an agreement for the
composition, extension, or readjustment of all or substantially all of its obligations, or is
subject to regulatory sanction by any Federal Regulator, then the other party may, by giving
written notice to such party, may terminate this Agreement as of a date specified in such notice of
termination; provided that the foregoing shall not apply with respect to any involuntary petition
in bankruptcy filed against a party unless such petition is not dismissed within sixty (60) days of
such filing.

8.4. For De Novo Banks Only. Notwithstanding anything herein to the contrary,
Customer shall have the right to cancel the Implementation on 30 business days written notice
delivered to Metavante on or before 30 days prior to the Conversion Date, if Customer has been
unable to obtain final regulatory approval on or before that date. Upon such cancellation the
parties shall mutually schedule a new Commencement Date. Customer agrees to use commercially
reasonable efforts to obtain final regulatory approval on or before the new Commencement Date. If
Customer is unable obtain said necessary approvals on or before the new Commencement Date, Customer
shall notify Metavante thereof and this Agreement shall terminate and, unless the parties mutually
agree to extend, Customer shall have no further obligation hereunder other than to pay Metavante
for its services provided through the date of termination at Metavante’s standard rates in effect
as of the date hereof. Customer will promptly notify Metavante upon receipt of all regulatory
approval.

	9.	 	LIMITATION OF LIABILITY/MAXIMUM DAMAGES ALLOWED

9.1. Equitable Relief. Either party may seek equitable remedies, including injunctive
relief, for a breach of the other party’s obligations under Article 13 of this Agreement, prior to
commencing the dispute resolution procedures set forth in Section 11.1 below.

9.2. Exclusion of Incidental and Consequential Damages. Independent of, severable
from, and to be enforced independently of any other provision of this Agreement, NEITHER PARTY WILL
BE LIABLE TO THE OTHER PARTY (NOR TO ANY PERSON CLAIMING RIGHTS DERIVED FROM THE OTHER PARTY’S
RIGHTS) IN CONTRACT, TORT, (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR INCIDENTAL, CONSEQUENTIAL,
SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND—including lost profits, loss of business, or
other economic damage, and further including injury to property, AS A RESULT OF OR RELATING TO THIS
AGREEMENT OR THE SERVICES, INCLUDING,WITHOUT LIMITATION, BREACH OF ANY WARRANTY OR OTHER TERM OF
THIS AGREEMENT, OR ANY FAILURE OF PERFORMANCE, REGARDLESS OF WHETHER THE PARTY LIABLE OR ALLEGEDLY
LIABLE WAS ADVISED, HAD OTHER REASON TO KNOW, OR IN FACT KNEW OF THE POSSIBILITY THEREOF.

9.3. REDACTED

9.4. Statute of Limitations. No lawsuit or other action may be brought by either
party hereto, or on any claim or controversy based upon or arising in any way out of this
Agreement, after one (1) year from the date on which the cause of action arose regardless of the
nature of the claim or form of action, whether in contract, tort (including negligence), or
otherwise; provided, however, the foregoing limitation shall not apply to the collection of any
amounts due Metavante under this Agreement.

9.5. Tort Claim Waiver. In addition to and not in limitation of any other provision
of this Article 9, each party hereby knowingly, voluntarily, and intentionally waives any right to
recover from the other party, and Customer waives any right to recover from any Eligible Provider,
any economic losses or damages in any action brought under tort theories, including,
misrepresentation, negligence and/or strict liability, and/or relating to the quality or
performance of any products or services provided by Metavante. For purposes of this waiver,
economic losses and damages include monetary losses or damages caused by a defective product or
service except personal injury or damage to other tangible property. Even if remedies provided
under this Agreement shall be deemed to have failed of their essential purpose, neither party shall
have any liability to the other party under tort theories for economic losses or damages.

9.6. Liquidated Damages. Customer acknowledges that Metavante shall suffer a material
adverse impact on its business if this Agreement is terminated prior to expiration of the Term, and
that the resulting damages may not be susceptible of precise determination. Customer acknowledges
that the Termination Fee is a reasonable approximation of such damages and shall be deemed to be
liquidated damages and not a penalty.

9.7. Essential Elements. Customer and Metavante acknowledge and agree that the
limitations contained in this Article 9 are essential to this Agreement, and that Metavante has
expressly relied upon the inclusion of each and every provision of this Article 9 as a condition to
executing this Agreement.

	10.	 	INSURANCE AND INDEMNITY.

10.1. Insurance. Metavante shall maintain for its own protection crime insurance
coverage for its personnel; insurance coverage for loss from fire, disaster or other causes
contributing to interruption of normal services, reconstruction of data file media and related
processing costs; additional expenses incurred to continue operations; and business interruption to
reimburse Metavante for losses resulting from suspension of the Services due to physical loss of
equipment.

10.2. Indemnity.

A. Except as provided in 10.2B below, Customer shall indemnify Metavante from, defend
Metavante against, and pay any final judgments awarded against Metavante, resulting from any claim
brought by a Third Party against Metavante based on Customer’s use of the Services to support its
operations, Metavante’s compliance with Customer’s specifications or instructions, or Metavante’s
use of trademarks or data supplied by Customer.

B. Metavante shall indemnify Customer from, defend Customer against, and pay any final
judgment awarded against Customer, resulting from any claim brought by a Third Party against
Customer based on Metavante’s alleged infringement of any patent, copyright, or trademark of such
Third Party under the laws of the United States, unless and except to the extent that such
infringement is caused by Metavante’s compliance with Customer’s specifications or instructions, or
Metavante’s use of trademarks or data supplied by Customer.

10.3. Indemnification Procedures. If any Third Party makes a claim covered by Section
10.2 against an indemnitee with respect to which such indemnitee intends to seek indemnification
under this Section, such indemnitee shall give notice of such claim to the indemnifying party,
including a brief description of the amount and basis therefor, if known. Upon giving such notice,
the indemnifying party shall be obligated to defend such indemnitee against such claim, and shall
be entitled to assume control of the defense of the claim with counsel chosen by the indemnifying
party, reasonably satisfactory to the indemnitee. The indemnitee shall cooperate fully with and
assist the indemnifying party in its defense against such claim in all reasonable respects. The
indemnifying party shall keep the indemnitee fully apprised at all times as to the status of the
defense. Notwithstanding the foregoing, the indemnitee shall have the right to employ its own
separate counsel in any such action, but the fees and expenses of such counsel shall be at the
expense of the indemnitee. Neither the indemnifying party nor any indemnitee shall be liable for
any settlement of action or claim effected without its consent. Notwithstanding the foregoing, the
indemnitee shall retain, assume, or reassume sole control over all expenses relating to every
aspect of the defense that it believes is not the subject of the indemnification provided for in
this Section. Until both (a) the indemnitee receives notice from indemnifying party that it will
defend, and (b) the indemnifying party assumes such defense, the indemnitee may, at any time after
ten (10) days from the date notice of claim is given to the indemnifying party by the indemnitee,
resist or otherwise defend the claim or, after consultation with and consent of the indemnifying
party, settle or otherwise compromise or pay the claim. The indemnifying party shall pay all costs
of indemnity arising out of or relating to that defense and any such settlement, compromise, or
payment. The indemnitee shall keep the indemnifying party fully apprised at all times as to the
status of the defense. Following indemnification as provided in this Section, the indemnifying
party shall be subrogated to all rights of the indemnitee with respect to the matters for which
indemnification has been made.

	11.	 	DISPUTE RESOLUTION

11.1. Representatives of Parties. All disputes arising under or in connection with
this Agreement shall initially be referred to the representatives of each party who customarily
manages the relationship between the parties. If such representatives are unable to resolve the
dispute within five (5) Business Days after referral of the matter to them, the managers of the
representatives shall attempt to resolve the dispute. If, after five (5) Business Days they are
unable to resolve the dispute, senior executives of the parties shall attempt to resolve the
dispute. If, after five (5) Business Days they are unable to resolve the dispute, the parties
shall submit the dispute to the chief executive officers of the parties for resolution. Neither
party shall commence legal proceedings with regard to a dispute until completion of the dispute
resolution procedures set forth in this Section 11.1, except to the extent necessary to preserve
its rights or maintain a superior position against other creditors or claimants.

11.2. Continuity of Performance. During the pendency of the dispute resolution
proceedings described in this Article 11, Metavante shall continue to provide the Services so long
as Customer shall continue to pay all undisputed amounts to Metavante in a timely manner.

	12.	 	AUTHORITY

12.1. Metavante. Metavante warrants that:

A. Metavante has the right to provide the Services hereunder, using all computer software
required for that purpose.

B. Metavante is a corporation validly existing and in active status under the laws of the
State of Wisconsin. It has all the requisite corporate power and authority to execute, deliver,
and perform its obligations under this Agreement. The execution, delivery, and performance of this
Agreement have been duly authorized by Metavante, and this Agreement is enforceable in accordance
with its terms against Metavante. No approval, authorization, or consent of any governmental or
regulatory authorities is required to be obtained or made by Metavante in order for Metavante to
enter into and perform its obligations under this Agreement.

12.2. Customer. Customer warrants that:

Customer has all required licenses and approvals necessary to use the Services in the operation of
its business.

Except as provided for in Section 8.4, Customer is validly existing and in good standing under the
laws of the state of its incorporation or charter, or if a national bank, the United States of
America. It has all the requisite corporate power and authority to execute, deliver, and perform
its obligations under this Agreement. The execution, delivery, and performance of this Agreement
have been duly authorized by Customer, and this Agreement is enforceable in accordance with its
terms against Customer. No approval, authorization, or consent of any governmental or regulatory
authorities is required to be obtained or made by Customer in order for Customer to enter into and
perform its obligations under this Agreement.

In the event that Customer requests Metavante to disclose to any Third Party or to use any of
Customer’s Confidential Information (as defined in Section 13.3), and such Confidential Information
is or may be subject to the Privacy Regulations, such disclosure or use shall be permitted by the
Privacy Regulations and by any initial, annual, opt-out, or other privacy notice that Customer
issued with respect to such Confidential Information pursuant to the Privacy Regulations.

	13.	 	CONFIDENTIALITY AND OWNERSHIP

13.1. Customer Data. Customer shall remain the sole and exclusive owner of all
Customer Data and its Confidential Information (as defined in Section 13.3), regardless of whether
such data is maintained on magnetic tape, magnetic disk, or any other storage or processing device.
All such Customer Data and other Confidential Information shall, however, be subject to regulation
and examination by the appropriate auditors and regulatory agencies to the same extent as if such
information were on Customer’s premises.

13.2. Metavante Systems. Customer acknowledges that it has no rights in any of
Metavante’s software, systems, documentation, guidelines, procedures, and similar related materials
or any modifications thereof, unless and except as expressly granted under this Agreement.

13.3. Confidential Information. “Confidential Information” of a party shall mean all
confidential or proprietary information and documentation of such party, whether or not marked as
such including, with respect to Customer, all Customer Data. Confidential Information shall not
include: (a) information which is or becomes publicly available (other than by the party having the
obligation of confidentiality) without breach of this Agreement; (b) information independently
developed by the receiving party; (c) information received from a Third Party not under a
confidentiality obligation to the disclosing party; or (d) information already in the possession of
the receiving party without obligation of confidence at the time first disclosed by the disclosing
party. The parties acknowledge and agree that the substance of the negotiations of this Agreement,
and the terms of this Agreement are considered Confidential Information subject to the restrictions
contained herein.

13.4. Obligations of the Parties. Except as permitted under this Section 13.4 and
applicable law, neither party shall use, copy, sell, transfer, publish, disclose, display, or
otherwise make any of the other party’s Confidential Information available to any Third Party
without the prior written consent of the other party. Each party shall hold the Confidential
Information of the other party in confidence and shall not disclose or use such Confidential
Information other than for the purposes contemplated by this Agreement and, to the extent that
Confidential Information of Customer may be subject to the Privacy Regulations, as permitted by the
Privacy Regulations, and shall instruct their employees, agents, and contractors to use the same
care and discretion with respect to the Confidential Information of the other party or of any Third
Party utilized hereunder that Metavante and Customer each require with respect to their own most
confidential information, but in no event less than a reasonable standard of care, including the
utilization of security devices or procedures designed to prevent unauthorized access to such
materials. Each party shall instruct its employees, agents, and contractors (a) of its
confidentiality obligations hereunder and (b) not to attempt to circumvent any such security
procedures and devices. Each party’s obligation under the preceding sentence may be satisfied by
the use of its standard form of confidentiality agreement, if the same reasonably accomplishes the
purposes here intended. All such Confidential Information shall be distributed only to persons
having a need to know such information to perform their duties in conjunction with this Agreement.
A party may disclose the other party’s Confidential Information if required to do so by subpoena,
court or regulatory order, or other legal process, provided the party notifies the disclosing party
of its receipt of such process, and reasonably cooperates, at the disclosing party’s expense, with
efforts of the disclosing party to prevent or limit disclosure in response to such process. In the
event that Metavante is subject to a subpoena or other legal process to compel production of
documents relating to Customer, Customer shall reimburse Metavante for Metavante’s out-of-pocket
costs to comply with such process.

13.5. Information Security. Metavante shall be responsible for establishing and
maintaining an information security program that is designed to (i) ensure the security and
confidentiality of Customer Data, (ii) protect against any anticipated threats or hazards to the
security or integrity of Customer Data, (iii) protect against unauthorized access to or use of
Customer Data that could result in substantial harm or inconvenience to Customer or any of its
customers, and (iv) ensure the proper disposal of Customer Data. Customer shall be responsible for
maintaining security for its own systems, servers, and communications links as necessary to (a)
protect the security and integrity of Metavante’s systems and servers on which Customer Data is
stored, and (b) protect against unauthorized access to or use of Metavante’s systems and servers on
which Customer Data is stored. Metavante will (1) take appropriate action to address any incident
of unauthorized access to Customer Data and (2) notify Customer as soon as possible of any incident
of unauthorized access to Sensitive Customer Information and any other breach in Metavante’s
security that materially affects Customer or Customer’s customers If the primary federal regulator
for Customer is the Office of Thrift Supervision (the “OTS”), Metavante will also notify the OTS as
soon as possible of any breach in Metavante’s security that materially affects Customer or
Customer’s customers. Either party may change its security procedures from time to time as
commercially reasonable to address operations risks and concerns in compliance with the
requirements of this section.

13.6. Ownership and Proprietary Rights. Metavante reserves the right to determine the
hardware, software, and tools to be used by Metavante in performing the Services. Metavante shall
retain title and all other ownership and proprietary rights in and to the Metavante Proprietary
Materials and Information, and any and all derivative works based thereon. Such ownership and
proprietary rights shall include any and all rights in and to patents, trademarks, copyrights, and
trade secret rights. Customer agrees that the Metavante Proprietary Materials and Information are
not “work made for hire” within the meaning of U.S. Copyright Act, 17 U.S.C. Section 101.

13.7. The Privacy Regulations. In the event that Customer requests Metavante to
disclose to any Third Party or to use any of Customer’s Confidential Information, and such
Confidential Information is or may be subject to the Privacy Regulations, Metavante reserves the
right, prior to such disclosure or use, (a) to review any initial, annual, opt-out, or other
privacy notice that Customer issued with respect to such Confidential Information pursuant to the
Privacy Regulations, and if requested by Metavante, Customer shall promptly provide Metavante with
any such notice, and (b) to decline to disclose to such Third Party or to use such Confidential
Information if Metavante, in Metavante’s sole discretion, believes that such disclosure or use is
or may be prohibited by the Privacy Regulations or by any such notice.

13.8. Publicity. Neither party shall refer to the other party directly or indirectly
in any media release, public announcement, or public disclosure relating to this Agreement or its
subject matter, in any promotional or marketing materials, lists, or business presentations,
without consent from the other party for each such use or release in accordance with this Section,
provided that Metavante may include Customer’s name in Metavante’s customer list and may identify
Customer as its customer in its sales presentations and marketing materials by obtaining Customer’s
prior consent, which consent may not be unreasonably withheld. Notwithstanding the foregoing, at
Metavante’s request, Customer agrees to issue a joint press release prepared by Metavante to
announce the relationship established by the parties hereunder. Customer agrees that such press
release shall be deemed approved by Customer in the event that, within five (5) Business Days of
receiving Metavante’s proposed press release, Customer does not provide written notice to Metavante
describing in reasonable detail Customer’s objections to the press release. All other media
releases, public announcements, and public disclosures by either party relating to this Agreement
or the subject matter of this Agreement (each, a “Disclosure”), including promotional or marketing
material, but not including (a) announcements intended solely for internal distribution, or (b)
disclosures to the extent required to meet legal or regulatory requirements beyond the reasonable
control of the disclosing party, shall be subject to review and approval, which approval shall not
be unreasonably withheld, by the other party prior to release. Such approval shall be deemed to be
given if a party does not object to a proposed Disclosure within five (5) Business Days of
receiving same. Disputes regarding the reasonableness of objections to the joint press release or
any Disclosures shall be subject to the Dispute Resolution Procedures of Section 11.1 above.

	14.	 	REGULATORY COMPLIANCE AND ASSURANCES

14.1. Legal Requirements.

A. Customer shall be solely responsible for monitoring and interpreting (and for complying
with, to the extent such compliance requires no action by Metavante) the Legal Requirements. Based
on Customer’s instructions, Metavante shall select the processing parameter settings, features, and
options (collectively, the “Parameters”) within Metavante’s system that will apply to Customer.
Customer shall be responsible for determining that such selections are consistent with the Legal
Requirements and with the terms and conditions of any agreements between Customer and its clients.
In making such determinations, Customer may rely upon the written descriptions of such Parameters
contained in the User Manuals. Metavante shall perform system processing in accordance with the
Parameters.

B. Subject to the foregoing, Metavante shall perform an on-going review of federal laws,
rules, and regulations. Metavante shall maintain the features and functions set forth in the User
Manuals for each of the Services in accordance with all changes in federal laws, rules, and
regulations applicable to such features and functions, in a non-custom environment. If Metavante
elects to support a new federal law, rule, or regulation through changes to the Metavante Software,
Metavante shall develop and implement modifications to the Services to enable Customer to comply
with such new federal laws, rules, and regulations.

C. In any event, Metavante shall work with Customer in developing and implementing a suitable
procedure or direction to enable Customer to comply with federal and state laws, rules, and
regulations applicable to the Services being provided by Metavante to Customer, including in those
instances when Metavante has elected to modify the Metavante Software, but it is not commercially
practicable to do so prior to the regulatory deadline for compliance.

14.2. Regulatory Assurances. Metavante and Customer acknowledge and agree that the
performance of these Services will be subject to regulation and examination by Customer’s
regulatory agencies to the same extent as if such Services were being performed by Customer. Upon
request, Metavante agrees to provide any appropriate assurances to such agency and agrees to
subject itself to any required examination or regulation. Customer agrees to reimburse Metavante
for reasonable costs actually incurred due to any such examination or regulation that is performed
primarily for the purpose of examining Services used by Customer.

B. Notice Requirements. Customer shall be responsible for complying with all
regulatory notice provisions to any applicable governmental agency, which shall include providing
timely and adequate notice to Federal Regulators as of the Effective Date of this Agreement,
identifying those records to which this Agreement shall apply and the location at which such
Services are to be performed.

C. Examination of Records. The parties agree that the records maintained and produced
under this Agreement shall, at all times, be available at the Operations Center for examination and
audit by governmental agencies having jurisdiction over the Customer’s business, including any
Federal Regulator. The Director of Examinations of any Federal Regulator or his or her designated
representative shall have the right to ask for and to receive directly from Metavante any reports,
summaries, or information contained in or derived from data in the possession of Metavante related
to the Customer. Metavante shall notify Customer as soon as reasonably possible of any formal
request by any authorized governmental agency to examine Customer’s records maintained by
Metavante, if Metavante is permitted to make such a disclosure to Customer under applicable law or
regulations. Customer agrees that Metavante is authorized to provide all such described records
when formally required to do so by a Federal Regulator.

	D.	 	Audits. Metavante shall cause a Third Party review of its operations and related
internal controls to be conducted annually by its independent auditors, which shall be a SAS
70 audit. Metavante shall provide to Customer, upon written request, one copy of the audit
report resulting from such review at no charge.

14.3. IRS Filing. Customer represents it has complied with all laws, regulations,
procedures, and requirements in attempting to secure correct tax identification numbers (TINs) for
Customer’s payees and customers.

	15.	 	MISCELLANEOUS PROVISIONS

15.1. Equipment and Network. Customer shall obtain and maintain at its own expense its
own data processing and communications equipment as may be necessary or appropriate to facilitate
the proper use and receipt of the Services.

15.2. Data Backup. Customer shall maintain adequate records for at least ten (10)
Business Days, including backup on magnetic tape or other electronic media where transactions are
being transmitted to Metavante, from which reconstruction of lost or damaged files or data can be
made. Customer assumes all responsibility and liability for any loss or damage resulting from
failure to maintain such records.

15.3. Balancing and Controls. Customer shall (a) on a daily basis, review all input
and output, controls, reports, and documentation, to ensure the integrity of data processed by
Metavante; and (b) on a daily basis, check exception reports to verify that all file maintenance
entries and non-dollar transactions were correctly entered. Customer shall be responsible to
notify Metavante immediately in the event of any error so that Metavante may initiate timely
remedial action to correct any improperly processed data which these reviews disclose. In the
event of any error by Metavante in processing any data or preparing any report or file, Metavante’s
sole responsibility, and Customer’s sole remedy, shall be to correct the error by reprocessing the
affected data or preparing and issuing a new file or report at no additional cost to Customer.

15.4. Transmission of Data. If the Services require transportation or transmission of
data between Metavante and Customer, the responsibility and expense for transportation and
transmission of, and the risk of loss for, data and media transmitted between Metavante and
Customer shall be borne by Customer. Data lost by Metavante following receipt shall either be
restored by Metavante from its backup media or shall be reprocessed from Customer’s backup media at
no additional charge to Customer.

15.5. Reliance on Data. Metavante will perform the Services described in this
Agreement on the basis of information furnished by Customer. Metavante shall be entitled
to rely upon any such data, information, directions, or instructions as provided by Customer
(whether given by letter, memorandum, telegram, cable, telex, telecopy facsimile, computer
terminal, e-mail, other “on line” system or similar means of communication, or orally over the
telephone or in person), and shall not be responsible for any liability arising from Metavante’s
performance of the Services in accordance with Customer’s instructions. Customer assumes exclusive
responsibility for the consequences of any instructions Customer may give Metavante, for Customer’s
failure to properly access the Services in the manner prescribed by Metavante, and for Customer’s
failure to supply accurate input information. If any error results from incorrect input supplied
by Customer, Customer shall be responsible for discovering and reporting such error and supplying
the data necessary to correct such error to Metavante for processing at the earliest possible time.

15.6. Use of Services. Customer agrees that, except as otherwise permitted in this
Agreement or in writing by Metavante, Customer will use the Services only for its own internal
business purposes to service its bona fide customers and clients and will not sell or otherwise
provide, directly or indirectly, any of the Services or any portion thereof to any Third Party.
Customer agrees that Metavante may use all suggestions, improvements, and comments regarding the
Services that are furnished by Customer to Metavante in connection with this Agreement, without
accounting or reservation. Unless and except to the extent that Metavante has agreed to provide
customer support services for Customer, Customer shall be responsible for handling all inquiries of
its customers relating to Services performed by Metavante, including inquiries regarding credits or
debits to a depositor’s account. Metavante agrees to reasonably assist Customer in responding to
such inquiries by providing such information to Customer as Metavante can reasonably provide.

15.7. Financial Statements. Metavante will make available through their website the
then current annual report for Metavante’s publicly traded parent company, at the time such
document is made publicly available.

15.8. Performance by Subcontractors. Customer understands and agrees that the actual
performance of the Services may be made by Metavante, one or more Affiliates of Metavante, or
subcontractors of any of the foregoing Entities (collectively, the “Eligible Providers”). For
purposes of this Agreement, performance of the Services by any Eligible Provider shall be deemed
performance by Metavante itself. Metavante shall remain fully responsible for the performance or
non-performance of the Services by any Eligible Provider, to the same extent as if Metavante itself
performed or failed to perform such services. Customer agrees to look solely to Metavante, and not
to any Eligible Provider, for satisfaction of any claims Customer may have arising out of this
Agreement or the performance or nonperformance of Services. However, in the event that Customer
contracts directly with a Third Party for any products or services, Metavante shall have no
liability to Customer for such Third Party’s products or services, even if such products or
services are necessary for Customer to access or receive the Services hereunder.

15.9. Solicitation. Neither party shall solicit the employees of the other party for
employment during the Term of this Agreement, for any reason. The foregoing shall not preclude
either party from employing any such employee (a) who seeks employment with the other party in
response to any general advertisement or solicitation that is not specifically directed towards
employees of such party or (b) who contacts the other party on his or her own initiative without
any direct or indirect solicitation by such party.

	16.	 	GENERAL

16.1. Governing Law. The validity, construction and interpretation of this Agreement
and the rights and duties of the parties hereto shall be governed by the internal laws of the State
of Wisconsin, excluding its principles of conflict of laws.

16.2. Venue and Jurisdiction. In the event of litigation to enforce the terms of this
Agreement, the parties consent to venue in the exclusive jurisdiction of the courts of Milwaukee
County, Wisconsin, and the Federal District Court for the Eastern District of Wisconsin. The
parties further consent to the jurisdiction of any federal or state court located within a district
which encompasses assets of a party against which a judgment has been rendered, either through
arbitration or litigation, for the enforcement of such judgment or award against such party or the
assets of such party.

16.3. Entire Agreement; Amendments. This Agreement, together with the schedules
hereto, constitutes the entire agreement between Metavante and the Customer with respect to the
subject matter hereof. There are no restrictions, promises, warranties, covenants, or undertakings
other than those expressly set forth herein and therein. This Agreement supersedes all prior
negotiations, agreements, and undertakings between the parties with respect to such matter. This
Agreement, including the schedules hereto, may be amended only by an instrument in writing executed
by the parties or their permitted assignees.

16.4. Relationship of Parties. The performance by Metavante of its duties and
obligations under this Agreement shall be that of an independent contractor and nothing contained
in this Agreement shall create or imply an agency relationship between Customer and Metavante, nor
shall this Agreement be deemed to constitute a joint venture or partnership between Customer and
Metavante.

16.5. Assignment. Neither this Agreement nor the rights or obligations hereunder may
be assigned by either party, by operation of law or otherwise, without the prior written consent of
the other party, which consent shall not be unreasonably withheld, provided that (a) Metavante’s
consent need not be obtained in connection with the assignment of this Agreement pursuant to a
merger in which Customer is a party and as a result of which the surviving Entity becomes an
Affiliate of another bank holding company, bank, savings and loan association or other financial
institution, so long as the provisions of all applicable Schedules are complied with; and (b)
Metavante may freely assign this Agreement (i) in connection with a merger, corporate
reorganization, or sale of all or substantially all of its assets, stock, or securities, or (ii) to
any Entity which is a successor to the assets or the business of Metavante.

16.6. Notices. Except as otherwise specified in the Agreement, all notices, requests,
approvals, consents, and other communications required or permitted under this Agreement shall be
in writing and shall be personally delivered or sent by (a) first-class U.S. mail, registered or
certified, return receipt requested, postage pre-paid; or (b) U.S. express mail, or other, similar
overnight courier service to the address specified below. Notices shall be deemed given on the day
actually received by the party to whom the notice is addressed.

1

	 	 	 
	In the case of Customer:
	 	Juniata Valley Bank

1762 Butchershop Road

Mifflintown, PA 17059

Attn.: Steve Kramm, SVP, Operations/Technology

Division

	For Billing Purposes:
	 	Same as above

	In the case of Metavante:

Copy to:
	 	Metavante Corporation

4900 West Brown Deer Road

Milwaukee WI 53223

Attn:Senior Executive Vice President, Metavante

Corp.

Legal Services

16.7. Waiver. No delay or omission by either party to exercise any right or power it
has under this Agreement shall impair or be construed as a waiver of such right or power. A waiver
by any party of any breach or covenant shall not be construed to be a waiver of any succeeding
breach or any other covenant. All waivers must be in writing and signed by the party waiving its
rights.

16.8. Severability. If any provision of this Agreement is held by court or arbitrator
of competent jurisdiction to be contrary to law, then the remaining provisions of this Agreement
will remain in full force and effect. Articles 5, 8, 9, 13, and 17 shall survive the expiration or
earlier termination of this Agreement for any reason.

16.9. Attorneys’ Fees and Costs. If any legal action is commenced in connection with
the enforcement of this Agreement or any instrument or agreement required under this Agreement, the
prevailing party shall be entitled to costs, reasonable attorneys’ fees actually incurred, and
necessary disbursements incurred in connection with such action, as determined by the court.

16.10. No Third Party Beneficiaries. Each party intends that this Agreement shall not
benefit, or create any right or cause of action in or on behalf of, any person or entity other than
the Customer and Metavante.

16.11. Force Majeure. Notwithstanding any provision contained in this Agreement,
neither party shall be liable to the other to the extent fulfillment or performance if any terms or
provisions of this Agreement is delayed or prevented by revolution or other civil disorders; wars;
acts of enemies; strikes; lack of available resources from persons other than parties to this
Agreement; labor disputes; unavailability of electricity; fires; floods; acts of God; federal,
state or municipal action; statute; ordinance or regulation; or, without limiting the foregoing,
any other causes not within its control, and which by the exercise of reasonable diligence it is
unable to prevent, whether of the class of causes hereinbefore enumerated or not. This clause
shall not apply to the payment of any sums due under this Agreement by either party to the other.

16.12. Negotiated Agreement. Metavante and Customer each acknowledge that the
limitations and exclusions contained in this Agreement have been the subject of active and complete
negotiation between the parties and represent the parties’ voluntary agreement based upon the level
of risk to Customer and Metavante associated with their respective obligations under this Agreement
and the payments to be made to Metavante and the charges to be incurred by Metavante pursuant to
this Agreement. The parties agree that the terms and conditions of this Agreement shall not be
construed in favor of or against any party by reason of the extent to which any party or its
professional advisors participated in the preparation of this document.

16.13. Waiver of Jury Trial. Each of Customer and Metavante hereby knowingly,
voluntarily and intentionally waives any and all rights it may have to a trial by jury in respect
of any litigation based on, or arising out of, under, or in connection with, this Agreement or any
course of conduct, course of dealing, statements (whether verbal or written), or actions of
Metavante or Customer, regardless of the nature of the claim or form of action, contract or tort,
including negligence.

	17.	 	DEFINITIONS. The following terms shall have the meanings ascribed to them as follows:

A. “ACH” shall mean automated clearing house services.

B. “Affiliate” shall mean, with respect to a party, any Entity at any time Controlling,
Controlled by, or under common Control with such party.

C. “Agreement” shall mean this master agreement and all schedules and exhibits attached
hereto, which are expressly incorporated, any future amendments thereto, and any future schedules
and exhibits added hereto by mutual agreement.

D. “Business Days” shall be Mondays through Fridays except holidays recognized by the Federal
Reserve Board of Chicago.

E. “Change in Control” shall mean any event or series of events by which (i) any person or
entity or group of persons or entities other than existing stockholders shall acquire Control of
another person or entity or (ii) in the case of a corporation, during any period of twelve
consecutive months commencing before or after the date hereof, individuals who, at the beginning of
such twelve-month period, were directors of such corporation shall cease for any reason to
constitute a majority of the board of directors of such corporation.

F. “Commencement Date” shall mean the date on which Metavante first provides the Initial
Services to Customer.

G. “Confidential Information” shall have the meaning set forth in Section 13.3.

H. “Consumer” shall mean an individual who obtains a financial product or service from
Customer to be used primarily for personal, family, or household purposes and who has a continuing
relationship with Customer.

I. “Contract Year” shall mean successive periods of twelve months, the first of which (being
slightly longer than twelve (12) months) shall commence on the Commencement Date and terminate on
the last day of the month in which the first anniversary of the Commencement Date occurs.

J. “Control” shall mean the direct or indirect ownership of over fifty percent (50%) of the
capital stock (or other ownership interest, if not a corporation) of any Entity or the possession,
directly or indirectly, of the power to direct the management and policies of such Entity by
ownership of voting securities, by contract or otherwise. “Controlling” shall mean having Control
of any Entity, and “Controlled” shall mean being the subject of Control by another Entity.

K. “Conversion” shall mean (i) the transfer of Customer’s data processing and other
information technology services to Metavante’s systems; (ii) completion of upgrades, enhancements
and software modifications as set forth in this Agreement; and (iii) completion of all interfaces
set forth in this Agreement and full integration thereof such that Customer is able to receive the
Initial Services in a live operating environment.

L. “Conversion Date” shall mean the date on which Conversion for Customer or a particular
Affiliate has been completed. For De Novo Banks, Conversion Date shall mean the first opening day
of operations.

M. “Customer” shall mean the Entity entering into this Agreement with Metavante and all
Affiliates of such Entity for whom Metavante agrees to provide Services under this Agreement, as
reflected on the first page of this Agreement or amendments executed after the Effective Date.

N. “Customer Data” means any and all data and information of any kind or nature submitted to
Metavante by Customer, or received by Metavante on behalf of Customer, necessary for Metavante to
provide the Services.

O. “Damages” shall mean actual and verifiable monetary obligations incurred, or costs paid
(except overhead costs, attorneys’ fees, and court costs) which (i) would not have been incurred or
paid but for a party’s action or failure to act in breach of this Agreement, and (ii) are directly
and solely attributable to such breach, but excluding any and all consequential, incidental,
punitive and exemplary damages, and/or other damages expressly excluded by the terms of this
Agreement.

P. “Documentation” shall mean Metavante’s standard user instructions relating to the Services,
including tutorials, on-screen help, and operating procedures, as provided to Customer in written
or electronic form.

Q. “Effective Date” shall mean the date so defined on the signature page of this Agreement,
or, if blank, the date executed by Metavante, as reflected in Metavante’s records.

R. “Effective Date of Termination” shall mean the last day on which Metavante provides the
Services to Customer (excluding any services relating to termination assistance).

S. “Eligible Provider” shall have the meaning as set forth in Section 15.8.

T. “Employment Cost Index” shall mean the Employment Cost Index—Civilian (not seasonally
adjusted) as promulgated by the United States Department of Labor’s Bureau of Labor Statistics (or
any successor index).

U. “Entity” means an individual or a corporation, partnership, sole proprietorship, limited
liability company, joint venture, or other form of organization, and includes the parties hereto.

V. “Estimated Remaining Value” shall mean the number of calendar months remaining between the
Effective Date of Termination and the last day of the contracted-for Term, multiplied by the
average of the three (3) highest monthly fees (excluding any one time fees or credits) payable by
Customer during the twelve (12) -month period prior to the event giving rise to termination rights
under this Agreement. In the event the Effective Date of Termination occurs prior to expiration of
the First Contract Year, the monthly fees used in calculating the Estimated Remaining Value shall
be the greater of (i) the estimated monthly fees set forth in the Fee Schedule(s) and (ii) the
average monthly fees described in the preceding sentence.

W. “Expenses” shall mean any and all reasonable and direct out of pocket expenses paid by
Metavante to Third Parties in connection with Services provided to or on behalf of Customer under
this Agreement, including any postage, supplies, materials, travel and lodging, and
telecommunication fees incurred solely for the benefit of Customer, but not payments by Metavante
to Eligible Providers.

X. “Federal Regulator” shall mean the Chief Examiner of the Federal Home Loan Bank Board, the
Office of Thrift Supervision, the Office of the Comptroller of the Currency, the Federal Deposit
Insurance Corporation, the Federal Reserve Board, or their successors, as applicable.

Y. “Fee Schedule” shall mean the portions of schedules containing fees and charges for
services rendered to Customer under this Agreement.

Z. “Initial Services” shall mean all Services requested by Customer from Metavante under this
Agreement prior to the Commencement Date, other than the Conversion services. The Initial Services
requested as of the Effective Date are set forth in the schedules attached hereto, which shall be
modified to include any additional services requested by Customer prior to the Commencement Date.

AA. “Initial Term” shall mean the period set forth on the first page of this Agreement.

BB. “Legal Requirements” shall mean the federal and state laws, rules, and regulations
pertaining to Customer’s business.

CC. “Metavante Proprietary Materials and Information” shall mean the Metavante Software and
all source code, object code, documentation (whether electronic, printed, written, or otherwise),
working papers, non-customer data, programs, diagrams, models, drawings, flow charts, and research
(whether in tangible or intangible form or in written or machine-readable form), and all
techniques, processes, inventions, knowledge, know-how, trade secrets (whether in tangible or
intangible form or in written or machine-readable form), developed by Metavante prior to or during
the Term of this Agreement, and such other information relating to Metavante or the Metavante
Software that Metavante identifies to Customer as proprietary or confidential at the time of
disclosure.

DD. “Metavante Software” shall mean the software owned by Metavante and used to provide the
Services.

EE. “Monthly Prepaid Amount” shall be initially as set forth in the Services and Charges
Schedule, and shall be adjusted annually each January 1 to be ninety percent (90%) of the average
monthly fees paid by Customer during the preceding three (3) months

FF. “Network” shall mean a shared system operating under a common name through which member
financial institutions are able to authorize, route, process and settle transactions (e.g.,
MasterCard and Visa).

GG. “New Services” shall mean any services that are not included in the Initial Services but
which, upon mutual agreement of the parties, are added to this Agreement. Upon such addition, New
Services shall be included in the term “Services.”

HH. “Performance Warranty” shall have the meaning set forth in Section 6.1.

II. “Privacy Regulations” shall mean the regulations promulgated under Section 504 of the
Gramm-Leach-Bliley Act, Pub. L. 106-102, as such regulations may be amended from time to time.

JJ. Professional Services” shall mean services provided by Metavante for Conversion, training,
and consulting, and services provided by Metavante to review or implement New Services or
enhancements to existing Services.

KK. “Sensitive Customer Information” shall mean Customer Data with respect to a Consumer that
is (a) such Consumer’s name, address or telephone number, in conjunction with such Consumer’s
Social Security number, account number, credit or debit card number, or a personal identification
number or password that would permit access to such Consumer’s account or (b) any combination of
components of information relating to such Consumer that would allow a person to log onto or access
such Consumer’s account, such as user name and password or password and account number.

LL. “Services” shall mean the services, functions, and responsibilities described in this
Agreement to be performed by Metavante during the Term and shall include New Services that are
agreed to by the parties in writing.

MM. “Taxes” shall mean any manufacturers, sales, use, gross receipts, excise, personal
property, or similar tax or duty assessed by any governmental or quasi-governmental authority upon
or as a result of the execution or performance of any service pursuant to this Agreement or
materials furnished with respect to this Agreement, except any income, franchise, privilege, or
similar tax on or measured by Metavante’s net income, capital stock, or net worth.

NN. “Term” shall mean the Initial Term and any extension thereof, unless this Agreement is
earlier terminated in accordance with its provisions.

	 	 	 
	OO.

PP.

	 	“Termination Fee” shall have the meaning set forth on the Termination Fee Schedule.

“Third Party” shall mean any Entity other than the parties or any Affiliates of the parties.

QQ. “Tier 1 Support” shall mean the provision of customer service and technical support to end
users. The Metavante customer care agents provide assistance with the following, but not limited to
payment verification, payee set up, opening service requests for payment research, user education
on how to use the Metavante products, technical support with using and accessing the products, and
technical support for some browser issues.

RR. “Tier 2 Support” shall mean the provision of support to end users for consumer initiated
payment issues such as payment not posted, stop payment, late fees, and payment posted for
incorrect amount. The Metavante payment research team acts as an advocate to the payee on behalf
of the end-user to research and resolve the payment issue in a timely manner.

SS. “User Manuals” shall mean the documentation provided by Metavante to Customer which
describes the features and functionalities of the Services, as modified and updated by the customer
bulletins distributed by Metavante from time to time.

TT. “Visa” shall mean VISA U.S.A., Inc.

2

REDACTED

3

 

REMOTE DATA PROCESSING SERVICES EXHIBIT

Recitals

Pursuant to the terms set forth below and the Metavante Technology Outsourcing Agreement (the
“Terms and Conditions”), Metavante desires to provide to the Customer and the Customer desires to
purchase the products and services described below.

Metavante provides certain services described herein along with the right to use certain equipment
and computer software, including software licensed from third parties, which provides computer
automation for data processing and related services for banks (the “System”). Metavante is the
owner of all proprietary rights in and to the System, except software licensed by Metavante from
third parties. Metavante will make available data processing equipment (the “Facilities”) and
personnel, located at 8865 Glebe Park Drive, Easton Maryland, 21601, to provide and support remote
terminal access to the System, and provide the computer services described in the most recent
publication of the user manuals for the Metavante BankwayÔ software.

Section 1: Description of Services

	3.	 	Description of Data Processing Services

Pursuant to the Agreement to which this Exhibit is attached, Metavante shall provide the
services set forth below and any others not specified below as they may be described in other
areas of the Agreement. Capitalized terms used in this Exhibit are used as defined in the
Agreement.

	 	1)	 	Daily Activity

Maintain on computer disk, or in such other manner as shall be mutually agreed by the
parties, all information input by Customer with respect to the account necessary to
operate the System in the manner and produce the reports described in the most recent
publication of the Overview.

	 	2)	 	Functions

	 	(a)	 	Maintain System availability for inquiry and input (via terminal
or other data communication link reasonably requested by Customer) purposes
during Customer’s business hours within the limitations set forth in Section IV
below.

	 	(b)	 	Process transactions input into the System by Customer once
nightly on a daily basis.

	 	(c)	 	Provide data communications connection via dedicated lines to
Customer data center to allow on-line terminal access for inquiry to all
terminals in Customer’s network.

	 	(d)	 	Upon Customer’s request schedule all batch jobs reasonably
requested for daily, weekly, monthly, quarterly, and annual System processing of
trust and other accounts.

	 	3)	 	Printing and Delivery of Reports and other System Output

	 	(a)	 	Subject to the provisions of the Agreement, provide the
processed data and data communication capabilities (all hardware to be provided
by Customer) to permit Customer or its designated agents to print System output
in a timely manner. Metavante agrees to add such communication lines and
equipment at its location which may be reasonably required to allow the
printing of such data.

	 	(b)	 	The services described in this Section C will apply to all
reports and output described in the then current version of the Overview.

	 	4)	 	Hotline Support

	 	(a)	 	Provide hotline support during the hours from 7:00 a.m. to 6:00
p.m. Eastern Time to address questions regarding operation and use of the
System.

	 	(b)	 	Metavante will use it best efforts to respond to all inquiries
and rectify any problems within four (4) hours on a routine basis. Metavante
shall use its best efforts to rectify problems which are critical in nature as
soon as possible, but within a one (1) hour period. Metavante shall make
available resources to respond and resolve critical problems via electronic
pager on a 24-hour basis.

	 	(c)	 	A critical problem is one that prevents Customer or its
designated agents from accessing the inquiry or input functions of the System,
updating account records or producing any transactional output from the System.

	 	5)	 	Backup

	 	3.	 	Metavante will keep backups for each processing day for the
preceding processing week.

	 	4.	 	Metavante will keep month end processing backups for one year.

	 	5.	 	Metavante will keep year end processing backups for the term of
the “Agreement”.

	 	6.	 	Metavante will follow back up procedures that generally conform
with industry standards, including off-site storage of such backups.

	 	6)	 	Reports

	 	3.	 	Within ninety (90) days after the end of each fiscal year of
Metavante, Metavante shall provide to Customer a company prepared Balance Sheet
and Income Statement of Metavante as of and for the fiscal year most recently
ended. Such financial statements shall be prepared in conformity with Generally
Accepted Accounting Principals consistently applied.

	 	4.	 	Once during each calendar year Metavante shall have a qualified
independent auditor selected by Metavante audit the System and the center where
the data processing services to be provided hereunder are performed. A copy of
the results of such audit shall be delivered to Customer within thirty (30)
days after receipt thereof by Metavante at no additional cost.

	 	7)	 	Disaster Recovery

Metavante shall maintain reasonable disaster recovery services for its core processing
system in conformance with industry standards. The policies and procedures governing
these disaster recovery services will be subject to the audit set forth in section I
F.(2) above.

	4.	 	System Description

The System consists of equipment and services supplied by Metavante and applications software
known as Metavante BankwayTM which is described in the most recent publication of
the Overview and is designed to operate on mainframe computer equipment to provide data
processing services for financial institutions.

	5.	 	Communication Protocol

	 	3.	 	Data Center Communications Lines

Metavante shall obtain two (2) communications lines between the data processing
equipment located at Customer and Metavante. These communications lines shall be of
sufficient quality to meet Metavante specifications for such data transmission lines.

	 	4.	 	Additional Communications Lines

Additional communications lines for branches of Customer, remote ATM’s of Bank and any
locations other than the main office of Customer shall be Customer’s exclusive
responsibility and expense, and shall be of sufficient quality to meet Metavante
specifications for such data transmission lines.

	6.	 	Average Processing Time and Other Bank Response Time Requirements

Items to be processed for daily reports shall be delivered by Customer to Metavante by 8:00
p.m. in order for Metavante to have daily reports available for printing by Customer at 6:00
a.m. the following business day. Customer will have access to the database file from 7:00 a.m.
to 7:00 p.m., Monday through Saturday. All times referenced herein reflect the time zone of
the Metavante Data Center.

4

Section 2: Fees

One-time fees for core processing implementation services and training, as shown in the Services
and Charges Schedule, are due and payable on the Conversion Date.

Monthly processing fees are invoiced monthly in arrears (referred to below as Annual Fees).

The Annual Fees shall be calculated and due as of the following dates

	 	1.	 	Metavante’s charges are, as set forth in the Services and Charges Schedule.
Metavante’s charges shall commence on the date the Customer begins using the
Metavante/Metavante BankwayTM software for normal core processing. The “Anniversary Date”
will be the annual anniversary date of the Effective Date of this Agreement. Metavante
shall have the option to adjust the Metavante/Metavante Bankway Processing Charge each
year on the Anniversary Date and at any extension or renewal, by no more than the most
recently reported annual percentage increase in the Employment Cost Index as published by
the Bureau of Labor Statistics (U.S. Department of Labor) with a maximum increase of
3.5%. Charges shall be billed monthly, and bills shall be payable upon presentation, but
not later than thirty (30) days from billing date. Metavante’s charges shall be computed
by multiplying Customer’s Total Assets (in millions) by the Applicable Rate as shown in
Appendix A. Customer’s Total Assets for the first year of this Agreement shall mean
Customer’s total assets deemed in accordance with Generally Accepted Accounting
Principles as of the Measurement Date. Measurement Date shall be the end of the calendar
quarter immediately preceding the “Agreement Date”. Metavante’s monthly charges shall be
recalculated and adjusted on an annual basis according to the Customer’s Total Assets at
the end of the calendar quarter immediately preceding the Anniversary Date. This
adjustment in the asset size of the Customer shall be completed annually at the same time
as the CPI adjustment as shown above.

	 	2.	 	For all billing periods, if, after the date of the Annual Fee calculation for a
given billing period (the “Acquisition Date”), Customer has completed an acquisition of
another bank or assets of another bank and such acquisition increases Customer’s total
assets by more than 20%, an Additional Fee shall be calculated and due. For purposes of
this calculation, the “Hurdle” is defined as Customer’s total assets as of the date of
the Annual Fee calculation for that given billing period times 1.20. This Additional Fee
shall be calculated based on the amount that Customer’s total assets as of the
Acquisition Date exceeds the Hurdle, times the Factor for that respective year, times a
ratio of the days remaining in the given billing period divided by 365.

FURST Fee: A fee of [REDACTED] per person shall be due and payable each February 1 for the FURST
Annual Conference(s). Minimum billing each calendar year shall be determined by reference to the
Total Assets of Customer as follows: [REDACTED]: two people; [REDACTED]: three people; [REDACTED]:
four people; [REDACTED]: five people; and, [REDACTED] and up: six people. Additional attendees
(over minimum billing) to the FURST Annual Conference(s) shall be billed at a [REDACTED] rate.

5

NETWORK EQUIPMENT AND SERVICES EXHIBIT

Recitals 

Pursuant to the terms set forth in the Technology Outsourcing Agreement and those below, Metavante
will provide to Customer certain information systems equipment and services described in the
Services and Charges Schedule, which may include the right to use certain computer software and
equipment, including software licensed from third parties.

Section 1: Equipment and Services

Metavante shall provide to Customer the Equipment and Services specified in the Equipment and
Services section of the Services and Charges Schedule, subject to the terms and conditions of the
Agreement and at the price or prices set forth in said Services and Charges Schedule. Metavante
shall determine the manner in which the services are to be performed and the specific hours to be
worked by Metavante. Customer will rely on Metavante to work as many hours as may be reasonably
necessary to fulfill Metavante’s obligations under this Agreement.

Section 2: Fees

The Customer shall pay the Fees specified in the Services and Charges Schedule for the Equipment
and Services, payable upon installation. Equipment maintenance shall be invoiced annually, one year
in advance. The service fees may be adjusted upon ninety (90) days notice to Customer.

Section 3:Term

The term of the services referred to in this Exhibit and listed under the Hardware/Infrastructure
section of the Services and Charges Schedule shall be one (1) year and shall automatically renew
for additional one (1) year terms unless terminated by either party upon ninety (90) days notice
prior to expiration of any term.

6

EXHIBIT — TELEPHONE BANKING PRODUCTS AND SERVICES SCHEDULE

Recitals

Pursuant to the terms set forth below and the Metavante Technology Outsourcing Agreement (the
“Terms and Conditions”), Metavante desires to provide to the Customer and the Customer desires to
purchase the products and services described below.

Metavante has developed and maintains software which, when used with appropriate third-party
software (third-party software and Metavante Software are collectively referred to as “Software”)
and appropriate hardware, provides institutions with a telephone-based customer interactive
solution (collectively referenced as the “Telephone Banking System”). Pursuant to the terms set
forth in the Agreement, Metavante desires to grant to Customer and Customer desires to acquire a
license to use the Software.

	 	 	 	 	 
	Section 1: Elements of Telephone Banking System
	 	17.1.	 	 	Hardware:

	 	 	 	 	 

The Telephone Banking System includes appropriate hardware components as set forth in the
Services and Charges Schedule. Hardware includes a server and telephony card configured to the
Customer’s needs and supplied with full manufacturer warranties. First year hardware maintenance
is also included.

17.2. Software:

The software included in the Telephone Banking System will support the following banking
functions:

	 	 	 
	Account activity/transaction history

	 	Loan payments
	Account information

	 	Merchant verification system
	English and Spanish language capability

	 	Bank location information
	Funds transfers

	 	Call transfer

3) Installation:

The following services are included for the Telephone Banking System:

i. Disconnect existing telephone banking system

	 	 	 
	ii.

iii.

iv.

	 	For selected predecessor systems, migrate existing telephone banking data to new system

Establish date acquisition between core processing system and Metavante telephone banking

Connect system to existing telephone lines

v. Set up bank system administrator on the software

vi. Connect system to existing network

Section 2: Fees

One-time fees for implementation services and training, as shown in the Services and Charges
Schedule, are due and payable on the Conversion Date.

Monthly processing fees are invoiced annually in advance (referred to below as Annual Fees). The
Annual Fees shall be calculated and due as of the following dates

Annual Fee for the first year of the Term is equal to 12 times the monthly fee shown in the
Services and Charges Schedule. This Annual Fee is due in full upon the Conversion Date.

On each anniversary of the Conversion Date, for the remaining years of the Initial Term and all
Renewal Terms, the Annual Fee shown in the Services and Charges Schedule will be due.

Customer shall reimburse Metavante for reasonable out-of-pocket travel and lodging expenses
incurred by Metavante and its employees in providing the Software hereunder during the term of the
Agreement.

7

A2I DATA MANAGEMENT PRODUCTS AND SERVICES EXHIBIT

Pursuant to the terms set forth below and the Metavante Technology Outsourcing Agreement (the
“Terms and Conditions”), Metavante desires to provide to the Customer and the Customer desires to
purchase the products and services described below.

Metavante will provide the appropriate hardware, software, services and connectivity to provide the
Customer with a data store which is updated regularly and the tools necessary to design, publish
and maintain Customer’s own customized reports. These elements are collectively referred to as A2i.

Software Provided:

A. A2i includes server-based Operating Software and the SQL Server application as the
processing platform for A2i.

B. A2i includes “Collection Administrator” to collect and manage data sources for
reports.

C. A2i includes “Bankway Composer’ to design and maintain report formats.

D. A2i includes “Microsoft Reporting Services” to render and maintain presentations.

Hardware Provided:

All hardware is housed and supported at the Baltimore Solutions Center.

Services Provided

Data Downloads

	 	i.	 	Each business day, following overnight processing, a
“snapshot” of Customer’s core processing data will be downloaded to the BSC
hosted server.

	 	ii.	 	A report describing the download process will be provided to
Customer. It is BSC’s responsibility to verify that the download was
successful and complete prior to commencement of the following day’s overnight
process.

	 	iii.	 	A back-up copy of Customer’s data will be archived until
overnight processing for the next business day begins. If download is
unsuccessful, Customer may request another download. Extended archival of data
snap shots is available under separate agreement for an additional fee.

Implementation and Set Up

Metavante will perform server setup and installation and test all server-based software.

Metavante will script and test the download procedures

Metavante will provide a “standard” set of Report Definitions for approximately 80 of the most
popular report formats and train Customer’s A2i administrator on system use.

Fees

	 	•	 	One-time fees for implementation services and training, as shown in the Services
and Charges Schedule, are due and payable on the Conversion Date.

	 	•	 	A2I Processing fees are invoiced monthly in arrears.

On each anniversary of the Conversion Date, for the remaining years of the Initial Term and all
Renewal Terms, the Monthly Fee will be recalculated based on Customer’s assets as shown in the
Services and Charges Schedule.

Customer shall reimburse Metavante for reasonable out-of-pocket travel and lodging expenses
incurred by Metavante and its employees in providing the Software hereunder during the term of the
Agreement.

8

EXHIBIT: EFT SERVICES 

Recitals

FOR GOOD AND VALUABLE CONSIDERATION, the receipt and sufficiency of which are hereby acknowledged,
the undersigned parties agree as follows:

Payment Services.

The following additional terms shall apply with respect to Payment Services. Payment Services are
those Services provided by Metavante to effect payments between Customer’s clients and third
parties.

1.1. Settlement. Metavante may remit or receive funds for Customer as Customer’s
payment processor. Customer is exclusively responsible to reimburse Metavante for any and all funds
remitted by Metavante to Networks, payees, or third parties in settlement of transactions processed
by Metavante for Customer, whether or not Customer is able to collect the amount of any transaction
from its customer. Customer shall designate a settlement account in accordance with Metavante’s
requirements for the applicable Service. Metavante shall charge the designated settlement
account(s) for amounts owed by Customer for settlement. Customer shall, upon Metavante’s demand,
immediately pay to Metavante any settlement amount that Metavante is unable to collect from the
settlement account for any reason. Metavante will provide Customer with daily settlement and
accounting information, and Customer agrees that Customer is responsible for the daily maintenance
and reconciliation of all accounting entries. Customer agrees to compensate Metavante for carrying
any unfunded settlement using the then-published prime rate of M&I Marshall & Ilsley Bank.
Metavante may terminate this Agreement in the event that settlement remains unfunded by Customer
for more than two (2) business days.

1.2. Card Services. The following applies to Services provided by Metavante in
support of Customer’s debit or credit card issuing or merchant processing programs.

1.3. Networks. Customer acknowledges and agrees that Customer must obtain required
memberships in all applicable Networks. If Customer is not a duly licensed card issuing member of
any Network, Customer shall execute applications for membership and shall provide Metavante with
copies of its fully executed membership agreements promptly after receipt by Customer. Metavante
agrees to assist Customer in obtaining sponsorship by an appropriate sponsor, if necessary, for
MasterCard or Visa membership. Customer shall comply with the articles, bylaws, operating
regulations, rules, procedures and policies of Visa, MasterCard, and/or other Networks, as
applicable, and shall be solely responsible, as between Customer and Metavante, for any claims,
liabilities, lawsuits and expenses arising out of or caused by Customer’s failure to comply with
the same. Customer acknowledges and agrees that, because Metavante is Customer’s processor,
Metavante may receive certain services from MasterCard, Visa, and/or other Networks that Customer
could receive directly in the event Customer performed the processing services for itself.
Customer agrees that Metavante may pass through to Customer any fees charged to Metavante for such
services, and that Metavante has no responsibility or liability to Customer for any such services.
Prior to the transfer of the Services to Customer or its designee upon the Effective Date of
Termination, Customer shall take all actions required by the applicable Network to effect the
transfer. In addition to the charges specified on the Services and Charges Schedule, Customer
shall be responsible for (i) all interchange and network provider fees; (ii) all dues, fees, fines,
and assessments established by and owed by Customer to any Network; and (iii) for all costs and
fees associated with changes to ATM protocol caused by Customer’s conversion to the Services.

1.4. Card Personalization Services. If Metavante is providing card personalization
services for Customer, the following will apply. Delivery of cards will be deemed complete with
respect to any order upon Metavante’s delivery of the supply of cards to either the United States
Post Office, a common carrier or courier, or Customer’s designated employee or agent. Following
delivery of the cards in accordance with the foregoing, the card production services with respect
to such order shall be completed, and Metavante shall have no further responsibility whatsoever for
any use, abuse, loss, damage, alteration, or theft of cards following delivery. Metavante shall be
responsible to produce cards in conformance with applicable network standards and for the proper
preparation of mailers (e.g., sealing and addressing). Customer shall notify Metavante in writing
of any alleged breach of the foregoing by Metavante. Metavante’s sole responsibility, and
Customer’s sole remedy, shall be to provide, at Metavante’s expense, a conforming replacement card
to the appropriate cardholder(s).

1.5. Settlement Account. Customer shall maintain an account for purposes of funding
or receiving settlement, as applicable, and authorizes Metavante to charge the settlement account
via ACH debit or otherwise for any net settlement owed by Customer to Metavante, and to deposit to
the settlement account any net settlement owed by Metavante to Customer. Metavante may offset
amounts payable to Customer against amounts payable by Customer for purposes of determining a net
settlement amount to charge to the settlement account. For at least 120 days following the
Effective Date of Termination, Customer shall maintain a settlement account which Metavante may
charge to settle any trailing activity which accrues prior to the Effective Date of Termination
(including any chargeback of a transaction which is authorized prior to the Effective Date of
Termination). Customer shall pay to Metavante fees at Metavante’s then-current standard rates to
settle such trailing activity.

1.6. Business Risk. Customer is responsible for its decisions regarding its business
risks (including risk of credit losses, fraud losses, counterfeit losses, and fees and fines for
noncompliance with laws, regulations, or Visa/MasterCard rules, if applicable). Metavante will
provide Customer with certain reports (some in paper form, some in microfiche form, and/or some
available on-line or through some other electronic media), including management reports, but
Customer is responsible to review, monitor, and act upon information in such reports to minimize
and control risks, losses, fees, and fines. Customer shall be responsible to furnish and pay for
all forms and documents used by Customer and shall be solely responsible for the compliance of such
forms, documents, and procedures with the operating requirements of Metavante, Network rules and
operating regulations, if applicable, and applicable federal, state, and local laws and
regulations. Metavante may provide sample forms, documents, and procedures to Customer for
information purposes, but Metavante makes no warranty or representation as to the legality or
accuracy of such forms, documents, or procedures.

1.7. BIN Transfer. Prior to the transfer of the Services to Customer or its designee
upon the expiration of the Term of this Agreement, Customer shall inform Visa and/or MasterCard
and/or any other applicable Network in writing (with a copy to Metavante) (1) of the transfer of
its Bank Identification Number (BIN) or Interbank Card Association Number, or other identifying
number (as applicable) to the new processor, and (2) of the new ACH account number for billing
purposes.

	 	1.8.	 	Credit Cards. 

• Customer authorizes Metavante and grants to Metavante power-of-attorney to endorse any
and all checks payable to Customer which are received by Metavante in payment of credit card
accounts for which Metavante provides payment processing services.

• Customer may request that Metavante make available to Customer’s credit card
cardholders checks or drafts which the cardholders may use to draw on their credit card account.
Customer agrees that neither Metavante nor Metavante’s payable through bank shall have any
responsibility to review or verify the signature of the drawer of any credit card check, and
Customer will be responsible for the full amount of any credit card check paid by Metavante for
Customer.

9

LOAN ORIGINATION STUDIO SOFTWARE SCHEDULE

1. Definitions

As used herein:

	 	(i)	 	“Authorized Users” means the maximum number of Licensed Users which may be designated
by Customer to access any Software Product, once Customer has paid the license fees
therefor as set forth in this Schedule (as such number may be amended upon purchase by
Customer of additional licenses for such Software Product).

“Customer’s agent” shall include, but not be limited to, any consultant or independent contractor
retained by Customer.

“Designated System” shall mean computers and peripherals owned or leased by Customer or by
employees of Customer.

“Delivery Date” means either (i) the date that Metavante makes the initial production version of
the Software Products available to Customer on-line, or (ii) if Customer is hosting the Software
Products, the date that Metavante delivers such initial production version to Customer for hosting.

“Licensed User” means an individual, as identified by a unique user name and password, to whom
Customer allocates one of the licenses to use any of the Software Products licensed pursuant to
this Schedule.

“Software Products” means each of the respective modules of the Loan Origination Studio software
identified above as “Licensed Software Products,” all in object code, machine readable form.

2. Use Rights: Dual Configuration/Client Server/Online

Online. Metavante shall make the Software Products available to Customer in an on-line
format. Each Software Product may be accessed by a number of Licensed Users which does not exceed
the number of Authorized Licensed Users for such Software Product. For the avoidance of doubt, the
number of Authorized Licensed Users does not mean the maximum number of Licensed Users who actually
access a Software Product concurrently, but the maximum number of individual Licensed Users (each
of whom has a unique user name and password) who are authorized to access a Software Product;
provided, however, that when Customer determines to deactivate any particular Licensed User’s
access to a Software Product (e.g., because the individual changes positions within Customer’s
organization or no longer works for Customer), Customer may disable that Licensed User’s user name
and password and designate another Licensed User in that person’s stead.

(i) Payment. Fifty percent (50%) payment of the Total Initial Fees, plus any applicable
sales tax, is due upon execution of this Schedule. The remaining fifty percent (50%) payment,
plus any applicable sales tax, is due upon the Delivery Date. Charges for Optional Maintenance,
server hosting, FileSynch service, DataSynch service and/or Workshop, as applicable, will all
commence upon the Delivery Date.

Implementation and Customization. Implementation support, custom development, project
management and integration services will be performed on a time and material basis, provided,
however, that Metavante shall not be obligated to perform any particular custom development or
other professional services and may decline Customer’s request thereof, provided that the
implementation package option selected by Customer, if any, is indicated in the above chart.

Third Party Licenses. Customer is required to pay all applicable third party license
fees to the vendors. Current vendors are Microsoft, Infragistics, Crystal Reports, Meade Print
Controls, QuestSoft Geocoder, and VMP Mortgage Forms (for documents).

	3.	 	Customer Obligations

In order to enable Metavante effectively to perform its obligations hereunder, Customer will:

A. Within ten (10) days following the execution of this Schedule, designate an individual as
the sole representative of Customer who shall be authorized to make decisions, approve plans and
grant requests on behalf of Customer in connection with the definition and implementation of the
Software Products;

B. Subject to Customer’s requirements for use thereof, provide to Metavante, at no cost to
Metavante, access to the Software Products and Designated System at all reasonable times for the
purpose of allowing Metavante to perform its obligations hereunder;

C. Fully cooperate with Metavante by, among other things, making available as reasonably
required by Metavante, management decisions and personnel in order that the work of Metavante
contemplated hereby may be properly accomplished;

D. If Customer is hosting the Software Products, maintain Designated System, or cause
Designated System to be maintained, in proper working order during the term hereof;

E. Exercise all due diligence in the performance of its obligations hereunder in connection
with the installation and preparation for use of the Software Products;

F. Maintain an adequate and knowledgeable staff to utilize the Software Products properly.
Customer agrees to provide such training as may be required for the efficient operation of the
Software Products;

G. Implement any major upgrade of the Software Products within six months of its being made
available to Customer; and

H. Bear sole responsibility for supervision, management, and control of the Software
Products, including but not limited to assuring proper audit controls and operation methods, and
implementing sufficient procedures to satisfy its requirements for security of data files and for
accuracy of inputs and outputs.

I. Be responsible for providing qualified personnel to perform routine tasks such as hardware
and database configuration, maintenance, and performance tuning.

J. Be responsible for all custom document creation.

4. Services. If Metavante is providing hosting services or other services for Customer, the
following shall apply:

A. Ownership and Use of Data. Metavante agrees that, as between Customer and Metavante, all
data with respect to applications or loans originated through the use of the Software Products is
owned exclusively by Customer and cannot be used or disclosed by Metavante in any manner, either
individually or in aggregated form, except as provided in the last two sentences of this paragraph.
Specifically, and without limiting the generality of the preceding sentence, Metavante will not
contact borrowers or distribute any information with respect to borrowers (except as provided in
the last two sentences of this paragraph) or contact or communicate to any other persons the
identity of borrowers or any demographic information with respect to borrowers. Metavante will not
provide to any other client of Metavante any information concerning Customer’s activities or
financial results or loan origination volume. All such information shall be deemed Confidential
Information of Customer. Notwithstanding the foregoing, Metavante shall be entitled to collect and
disclose to third parties (including public disclosure) aggregate statistical reporting information
(without identifying the portion thereof related to Customer) with respect to loan application and
origination volumes for loans originated through the use of the Software Products. The identity of
Customer will not be disclosed in connection with any such disclosure of aggregate statistical
reporting information without prior written permission of Customer.

B. Security of Data. For purposes of this section, “Customer Data” shall mean information
with respect to an individual that is (a) such individual’s name, address or telephone number, in
conjunction with such individual’s Social Security number, account number, credit or debit card
number, or a personal identification number or password that would permit access to such
individual’s account or (b) any combination of components of information relating to such
individual that would allow a person to log onto or access such individual’s account, such as user
name and password or password and account number. Metavante shall be responsible for establishing
and maintaining an information security program that is designed to (i) ensure the security and
confidentiality of Customer Data, (ii) protect against any anticipated threats or hazards to the
security or integrity of Customer Data, (iii) protect against unauthorized access to or use of
Customer Data that could result in substantial harm or inconvenience to Customer or any of its
customers, and (iv) ensure the proper disposal of Customer Data. Customer shall be responsible for
maintaining security for its own systems, servers, and communications links as necessary to (a)
protect the security and integrity of Metavante’s systems and servers on which Customer Data is
stored, and (b) protect against unauthorized access to or use of Metavante’s systems and servers on
which Customer Data is stored. Metavante will (1) take appropriate action to address any incident
of unauthorized access to Customer Data and (2) notify Customer as soon as possible of any incident
of unauthorized access to Customer Data and any other breach in Metavante’s security that
materially affects Customer or Customer’s customers. If the primary federal regulator for Customer
is the Office of Thrift Supervision (the “OTS”), Metavante will also notify the OTS as soon as
possible of any breach in Metavante’s security that materially affects Customer or Customer’s
customers. Either party may change its security procedures from time to time as commercially
reasonable to address operations risks and concerns in compliance with the requirements of this
section.

C. Loanportal Services. Metavante makes available to its customers the ability to order and
purchase services from third party providers, and to have such third party services delivered to
the customers, via Metavante’s subsidiary’s web-based electronic network (“Loanportal”). Customer
wishes to utilize Loanportal to obtain such third party services.

(i) Customer represents and warrants to Metavante that, in any instance in which Customer
orders a third party service through Loanportal, Customer shall have, and the submission of any
such order by Customer shall constitute Customer’s confirmation that it has, full legal right and
authority to order and purchase such third party service, and that such order and purchase comply
with all applicable laws and regulations. For example, any order by Customer of a credit report on
a consumer shall constitute Customer’s confirmation that Customer has the right to obtain such
credit report for a permissible purpose under the Fair Credit Reporting Act, 15 U.S.C § 1681a et
seq.

(ii) Customer acknowledges and agrees (i) that Metavante is not itself providing any of the
services which Customer may obtain from a third party through Loanportal, but rather is only
enabling the ordering and provision of such third party services, and (ii) that Metavante shall
have no responsibility whatsoever for the quality, quantity or timeliness of delivery of any third
party services ordered through Loanportal, and that only the respective third party providers
themselves shall be responsible to Customer for such quality, quantity and timeliness.

(iii) Loanportal network hours of operation are 24 hours a day, 365 days a year, subject to
the limitations described in this paragraph. Metavante warrants Loanportal “up” time to be 98% of
the hours of operation, calculated on a monthly basis. (This “up” time warranty applies only to
Loanportal itself, and not to the individual third party services which may be accessed through
Loanportal, such as Fannie Mae, Freddie Mac, credit bureaus, etc. Metavante cannot warrant the
availability of such third party services, over which Metavante has no control.) However, (a) once
per calendar quarter, Loanportal may be unavailable for up to six (6) hours for maintenance or
network upgrading from 12:01 a.m. to 6:00 a.m. Eastern Time, Monday through Friday, and (b) once
per calendar quarter, Loanportal may be unavailable for up to twenty-four (24) hours for
maintenance or network upgrading from 12:01 a.m. Sunday to 12:01 a.m. Monday Eastern Time.

D. Warranties. Aside from the warranties expressly stated in this Section 6 of the
Agreement, METAVANTE MAKES NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO ANY SERVICES AND
SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
AND NONINFRINGEMENT. With regard to any Software Products licensed under this schedule,
Metavante’s total, aggregate liability for any services shall in no circumstance exceed payments
made to Metavante by Customer for the services during the three (3) months prior to the act or
event giving rise to such claim.

10

SERVICE LEVEL SCHEDULE

	1.	 	Metavante will communicate by the use of email notification to designated Customer contact(s)
any continuing outage or adverse condition or service deficiency within 15 minutes of becoming
aware.

If e-mail channels are impaired and multiple banks are affected, we will communicate by other means
as soon as practicable.

We will also communicate within 15 minutes of when service is available again or has been restored.

	2.	 	Metavante will notify banks of any planned outage at least a week ahead of time and also when
other major changes are planned.

	3.	 	Metavante will use appropriate problem resolution and escalation procedures to resolve
problems as quickly as possible.

	 	 	 	 	 	 	 	 	 	 	 
	Description of Metavante Service	 	Performance Standard	 	Metavante SLA	 	Measurement Period	 	Notes
	Online System Availability:
	 	Mon-Thurs: 7 AM to 8

PM

Friday: 7 AM to 9 PM

Saturday: 7 AM to 5 PM
	 	95% each system
	 	Monthly
	 	System downtime resulting from

factors beyond Metavante’s control

such as hardware, third-party

software, or communications

failures are excluded. These are

subject to current Business

Continuity Plan resumption time

goals and not these SLA standards.

	 
	 	 
	 	 	 	 	 	 
	 	 

	Bankway
	 	

	 	

	 	

	 	

	 
	 	

	 	

	 	

	 	

	VisionContent:Transactions
	 	

	 	

	 	

	 	

	 
	 	

	 	

	 	

	 	

	VisionContent:Reports
	 	

	 	

	 	

	 	

	 
	 	

	 	

	 	

	 	

	System Update Completion:
	 	 	 	 	 	 	 	Monthly
	 	System downtime resulting from

factors beyond Metavante’s control

is excluded.

All remote work must be transmitted

to Metavante by 8 pm to ensure

batch update window is met.

	 
	 	 	 	 	 	 	 	 
	 	 

	Bankway
	 	By 7 AM each Business

Day
	 	95% each system

	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	VR Files / Internet Banking
	 	

	 	

	 	

	 	

	 
	 	

	 	

	 	

	 	

	A2i
	 	By 7 AM / By 8 AM
	 	 	85% / 95	%	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	ImageCash Letter Remittance
	 	By 8 PM Same Day
	 	 	95%*	 	 	Monthly
	 	Factors such as hardware or

communications failures beyond the

control of Metavante and inclement

weather, or traffic delays are

excluded.

* See “Transmissions to FRB:” below.

	 
	 	 
	 	 	 	 	 	 
	 	 

	Paper Cash Letter Delivery
	 	< Midnight
	 	 	95%*	 	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	ACH Update Completion
	 	By 9 AM
	 	 	95	%	 	Monthly
	 	Late or Overlimit/Suspended files

are excluded from SLA calculations

& subject to Exception Processing

Fees.

	 
	 	 
	 	 	 	 	 	 
	 	 

	ACH Origination to FED ACH
	 	3 PM
	 	 	95	%	 	 	 	Files must be released by banks or

from ACH Bankway interface to

Metavante by 2 pm

	 
	 	 
	 	 	 	 	 	 	 	 

	 	 	6 PM
	 	 	95	%	 	 	 	Files must be released by banks or

from ACH Bankway interface to

Metavante by 4:30 pm

	 	 	 
	 	 	 	 	 	 	 	 

	ATM Online Availability
	 	23 hours average/day
	 	 	95	%	 	Monthly based on

actual clock

hours/mo.
	 	Planned system maintenance or

upgrade outages excluded.

	 
	 	 
	 	 	 	 	 	 
	 	 

	ATM Batch Files
	 	EACH Business Day
	 	 	95	%	 	 	 	Batch files (if applicable) are

released up to 4 times per day.

	 
	 	 
	 	 	 	 	 	 	 	 

	Statement Processing:
	 	

	 	

	 	

	 	

	 
	 	

	 	

	 	

	 	

	Render and Mail
	 	Mailed 3rd business

day after Cycle Date,

5 days @ EOM
	 	99%

	 	Per 12 Months

(Floating Average)

	 	Recalculated each month

	 
	 	 
	 	 	 	 	 	 
	 	 

	Rendering
	 	Error Free Rate
	 	 	99.5	%	 	Per 12 Months based

on monthly volume

(Floating Average)
	 	

	 
	 	 
	 	 	 	 	 	 
	 	

	Credit Bureau/Tax Match/FIDM
	 	5 days or less
	 	 	99	%	 	Each Reporting Cycle
	 	Normal rendering cycle or by

published deadlines

	 
	 	 
	 	 	 	 	 	 
	 	 

	OFAC Checker File Update
	 	5 days or less
	 	 	99	%	 	Monthly
	 	...of availability of each OFAC

file revision for Batch update

and/or online access

	 
	 	 
	 	 	 	 	 	 
	 	 

	Maryland Deadlines:

Final “Direct” branch

transmission received by

Metavante
	 	Transmissions to FRB:

by FRB Cut-Off (1

file per day)
	 	 	 	 	 	 	 	95% monthly SLA % is equivalent to

meeting the performance standard

for all but 1 processing day per

month, 85% = 3 processing days per

month.

	 
	 	 
	 	 	 	 	 	 	 	 

	Up to 4 PM (standard
	 	8 PM (Standard
	 	 	95	%	 	Monthly
	 	Other Maryland Deadlines:

	pricing)
	 	Pricing)
	 	 	 	 	 	 	 	11:30AM-EE Returns, 12

Noon/4PM-EIP/OD Notices, 2PM-FED

Returns or late Exception Fees will

apply.

4PM for DirectBranch & 4:30PM for

DirectMerchant (Standard Pricing).

Late files are deferred 1 day.

5PM — Courier Pickup of encoded

proofed work for Metavante, 6PM -

Bank Delivered work.

Remote Bank Encoded, Proof, &

Balanced with Metavante doing only

IQA & x9.37 translation prior to

submitting to FRB.

** If cutoff missed, 95% SLA for

next deadline. Reduced SLA % is

due to shorter processing cycle.

	 
	 	 
	 	 	 	 	 	 
	 	 

	4 PM to 5 PM (premium

pricing applies)
	 	8 PM +.005/item

in last file
	 	85%**

	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	4 PM to 6 PM (premium

pricing applies)
	 	10 PM +.010/ item

in last file
	 	95%

	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	4 PM to 6 PM (Remote PROOF

Option)
	 	8 PM (Standard

Pricing)
	 	95%

	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	4 PM to 8 PM (premium

pricing will apply)
	 	10 PM (not

currently offered)
	 	85%**

	 	

	 	

	 
	 	 
	 	 	 	 	 	

	 	

	 	 	< Midnight delivery
	 	 	95	%	 	 	 	Courier Delivery of Paper Checks

(includes delivery to FRB

Philadelphia pending for MD banks)

	 	 	 
	 	 	 	 	 	 	 	 

	 	 	SLA’s do not apply during a “Disaster Recovery” declaration.

	 	 	SLA Standards not met due to any bank failure to meet a corresponding deadline will be excluded
from monthly calculations.

Failure to meet 2 of the same Performance Standards SLA % for 3 consecutive months (or for any 4
months per calendar year), will constitute a “material breach,” as defined in the “Data Processing
Agreement.”

11

SERVICE LEVEL AGREEMENT (SLA) PERFORMANCE REBATES

Failure of Metavante to meet a specific SLA Performance Standard % for two (2) consecutive months
[or for any four (4) months] within the same calendar year will result, upon written request by the
bank made within 30 days of the last rebatable SLA failure, in a refund credit of services in the
form of a SLA Performance Rebate.

Furthermore, failure of Metavante to meet any two (2) Performance Standards SLA % for three (3)
consecutive months [or for any four (4) months] per calendar year, will constitute a “material
breach,” as used and further defined in the “Data Processing Agreement” with Metavante obligated to
cure any material breach within a specified time period, as stated in that agreement.

A “SLA Performance Rebate” due to a failure of a SLA performance standard that was part of a
rebatable failure will be calculated as follows:

(SLA % — Actual attained performance %) x Metavante Service Fee*

Examples:

Metavante failed to meet both the Online System Availability SLA and the Statement Processing
Standard for two (2) consecutive months (Feb.-Mar.). A “SLA Performance Rebate” is due:

	 	 	 
	Total Online SLA Performance Rebate =
	Feb. .95 — .85

Mar. .95 — .90

	 	.10 x Online Service Fee Billed for Feb. +

        .05 x Online Service Fee Billed for Mar.

(Excludes pass-through line charges billed by third-parties or ancillary fees charged
for related services)

	 	 	 
	Statement “Rendering” SLA Performance Rebate =
	Feb. .995 — .993

Mar. .995 — .9945

	 	.002 x Basic Statement Rendering Fee for Feb. +

        .0005 x Basic Statement Rendering Fee for Mar.

(Basic Statement Rendering Fee excludes postage charges, charges for inserts, archiving,
or stationary or separately charged statement processing/printing costs. “Actual
attained performance %” “error free rate” is the average of the performance for the 12
month period ending during the current month.)

	*	 	Each Metavante Service Fee will be either the actual billed amount for each
measured period or the amount allocable to the SLA measurement cycle and prorated to the
amount applicable for the actual measured service.  In no case will Metavante
be liable for a rebate that exceeds the actual service fees paid or for any pass-through
expense to third-parties or other third-party billing included in the charge, such as, but not
limited to, core processing license fees or ATM/POS network service fees actually paid by
Metavante to third-parties.

No SLA Performance Rebate will be calculated or refunded unless requested in writing by the bank
within thirty (30) days of when the last applicable SLA performance failure occurred. No refunds
will given due to any failure due to an act of God, or from any other factor outside of the control
of Metavante such as, but not limited to, any hardware, third-party software, communications,
transportation, or electrical failure, inclement weather, fire, or epidemic. The SLA standards do
not apply during a “Disaster Recovery” declaration. The current Metavante Business Continuity Plan
resumption time goals, as determined by Metavante, will apply if any of these factors have
occurred. Metavante reserves the right to rebut any request for a refund due to a perceived
failure to meet an SLA performance standard upon the presentment of documentation that the SLA was
either met or that otherwise substantiates why a failure was excluded from the SLA performance
calculation.

12

IMPLEMENTATION SCHEDULE

13EX-10.1

Termination of Services Agreement

This Termination of Services Agreement is made and entered into as of January 15, 2010 by
and between American Realty Capital II, LLC (“ARC II”) and Healthcare Trust of America,
Inc. (f/k/a Grubb & Ellis Healthcare REIT, Inc.) (the “REIT”).

WHEREAS, ARC II and the REIT entered into that certain Services Agreement as of April 3, 2009,
as amended (the “Services Agreement”), pursuant to which ARC II would make available to the
REIT certain services as described in the Services Agreement;

WHEREAS, the REIT has completed its transition to self-management and is no longer in need of
ARC II to provide the services described in the Services Agreement; and

WHEREAS, ARC II and the REIT now desire to terminate the Services Agreement as of the date
hereof;

NOW, THEREFORE, the parties hereby agree as follows:

1. Notwithstanding any provision to the contrary contained in the Services Agreement, each of
ARC II and the REIT hereby agree to terminate the Services Agreement effective as of the date
hereof.

2. Each of ARC II and the REIT agree that neither party has any outstanding obligation to the
other pursuant to the terms of the Services Agreement.

HEALTHCARE TRUST OF AMERICA, INC.

By: /s/ Scott D. Peters

Name: Scott D. Peters

Title: Chief Executive Officer and President

AMERICAN REALTY CAPITAL II, LLC

By: /s/ William Kahane

Name: William Kahane

Title: President

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