Common use of Mobile Banking Services Clause in Contracts

Mobile Banking Services. Your enrollment in our Online Banking Services may include access to products and services through a mobile device ("Mobile Services"), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may not be encrypted and may include confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website), or may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless provider. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the United States. If you are using Mobile Services outside of the United States, you are responsible for having access to the appropriate wireless and/or telecommunications networks and are responsible for all associated fees and charges.

Mobile Banking Services. Your enrollment in our You understand that Mobile Banking Services allows you to conduct certain Online Banking Services may include access to products and services through a mobile device ("via your Mobile Device. Bank, in its sole discretion, shall decide what OB Services are offered via Mobile Banking Services"), such as compatible smart phones and tablets. To obtain further details regarding Mobile Banking Services you must visit the Bank’s OB website. Mobile Banking Services may include without limitationwill be accessible after you have enrolled in Online Banking Services. Bank does not control or endorse in any way information, short message service products or services maintained by such third parties, and you use such third-party services at your own risk. You also understand that by using third party services (SMSincluding linking to third party websites) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree are subject to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we third party’s privacy policy which may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user of the mobile device you use to receive the Mobile Servicesdiffer from Bank’s Privacy Policy, and that you are authorized to approve responsible for reviewing the applicable chargesprivacy policies of the third party. You agree to provide a valid phone number, eIf you use any location-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to based Mobile Services. Additionally, Banking Services you agree that your geographic location and other personal information may be accessed and disclosed via such services. Bank reserves the right to indemnifyadd, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail addresswithdraw, or other delivery location that is make unavailable any Mobile Banking Services with or without notice to you. Bank retains the ability to either approve or deny your use of Mobile Banking Services, including the mobile deposit capture service, in Bank’s sole and absolute discretion. All communications from Bank to you and from you to Bank are not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under confidential and are deemed the preceding sentence shall survive termination of the AgreementBank’s property. You understand that, to access and agree certain services may not be encrypted and may include confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the use Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Banking Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all must have a Mobile Device with the products, services or functionality described when you access or try ability to access them using the Internet via a mobile deviceweb browser and SMS text message functionality, as well as other compatible wireless hardware and software necessary to operate such Mobile Device. Functionality may also vary based on the mobile device You understand you use. Information available via the must have a Mobile ServicesDevice service plan with a suitable Mobile Device service provider of your choice, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the your Mobile Services, may be described using different terminology Device service (including capitalized terms used in this Agreement or on our online banking website), or may be more current than the information available via the Internet connection) is not part of Bank’s Mobile Banking Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless provider. You are responsible for any charges acquiring, maintaining and operating your Mobile Device and for all associated costs, expenses and fees you incur from your wireless providerservice provider or any third parties in using your Mobile Device for Mobile Banking Services. We are You understand that Bank is not responsible for any damages resulting from your failure to comply with any terms and conditions errors or failures of your wireless provider. Certain Mobile Services (Device or portions thereof) its software and is not responsible for any viruses or related problems that may not be available outside associated with the use of the United States. If you are using Mobile Services outside of the United States, you are responsible for having access to the appropriate wireless and/or telecommunications networks and are responsible for all associated fees and chargesBanking Services.

Mobile Banking Services. Your enrollment You may access certain Online Banking Services through a mobile Device ("Mobile Banking" or "Mobile Banking Services"). To participate in Mobile Banking you must be a customer in good standing, and have access to our Online Banking Service. To enroll in Mobile Services, you must download the mobile banking app from your Device’s app store. You will then be asked to create your Mobile Banking login credentials. In an effort to protect your personal and financial information, we encourage you to always use separate and unique login credentials for Mobile Banking and Online Banking. Mobile Banking is available on phones and mobile devices that are SMS Text Message or Web Browser enabled. We offer the following options to manage your personal banking needs from mobile Devices: • SMS Text Message Banking - text to 98969 • Mobile App - available for Apple® and Android® devices ("Mobile App") Certain Online Banking Services may include be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile Device to access Mobile Banking Services. Additional terms and conditions, which are provided to products and services through a mobile device ("you when you activate or access Mobile Services"), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Banking Services, also apply, and you agree to the following terms and any be bound by those additional terms and conditions applicable which are incorporated herein by reference. Our security devices and procedures may also require you to specific Mobile Servicesprovide certain account information, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the ownerlogin information, or authorized user of the mobile device you use PIN numbers to receive the access Mobile Banking Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may that we cannot be encrypted control your physical environment to prevent interception of the contents of transmissions to and may include confidential information about you such as from your account activity or status. Delivery and receipt of informationmobile Device, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other partiesSmartphone, or because other technology in connection with your use of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Banking Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, You understand that if you may not be eligible fail to use all the productsadequate internal security devices and procedures, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Servicesas required by this Agreement, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the your use of a mobile device. Information available directly through the online banking website without the use of a mobile device Device, Smartphone, or other technology may not be available via the secure. By accessing Online Banking Services through Mobile Banking Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website)you assume any and all risk associated with your use of mobile Devices, smart phones, or may be more current than the information available via the Mobile other technology in connection with Online Banking Services, including but not limited to account balance informationthe risk of interception of the contents of your transmissions to and from our systems. The method of entering instructions via the You understand and agree that for any mobile Device, Smartphone, or other technology that you want to use with Mobile Services may also differ from the method of entering instructions directly through our online website without the Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of a mobile devicesuch technology. Processing of payment You understand and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do To the maximum extent permitted by applicable law, we will not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless provider. You are be responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to comply with use any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the United Statesforegoing security devices and procedures. If you A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time on a Business Day, is generally posted to your accounts the same day. A transfer between your accounts with us, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, will generally be posted on the next Business Day. All other transfers submitted after 5:00 P.M. central time may be processed on the next Business Day. Business Days are using Mobile Services outside of the United StatesMonday through Friday; Saturday, you Sunday, and federal banking holidays are responsible for having access to the appropriate wireless and/or telecommunications networks and are responsible for all associated fees and chargesnot included.

Mobile Banking Services. Your enrollment in our Online Banking Services You may include access to products and services through a mobile device ("Mobile Services"), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message use this service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may not be encrypted and may include confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using your accounts on a mobile device. Functionality may also vary based on By using Mobile Banking to access an account you are agreeing to the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use terms of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website)which supplements the Account Agreements and Disclosures provided at the time of Account opening as well as your Online Banking Agreement. You should review the Account disclosures carefully, or as they may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment include transaction limitations and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable fees which might apply to your use of Mobile Banking. We may amend the terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law. We reserve the right at all times to protect our systems and information, including denial of access to users of Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do Other Agreements: First National Bank does not charge a fee for any contentMobile Banking services; however, downloadable content may incur additional charges standard data rates from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless mobile service provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless providerstill apply. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure agree that, when you use Mobile Banking, you remain subject to comply with any the terms and conditions of your wireless providerexisting agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. Certain Description of Service: Mobile Services (Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or portions thereofother methods you use for managing your accounts and services with us. Mobile Banking allows you to access your First National Bank account(s) via your mobile device and perform the following actions: • Check your balances • Transaction history • Transfer funds between eligible First National Bank Accounts • Xxxx Pay To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then register your mobile device within the Online Banking system. To utilize the Xxxx Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Any modifications to your Xxxx Pay will also have to be done through your regular Online Banking. We reserve the right to limit the types and number of accounts eligible for mobile banking. We may also reserve the right to modify the scope of the Service at any time. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. First National Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues. We make no representations that Mobile Banking will be available for use in locations outside of the United States. If you are using Accessing Mobile Services Banking from locations outside of the United StatesStates is at your own risk. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Transfers from savings or money market accounts using Mobile Banking are counted as one of the six permitted transfers during each monthly statement period, you as describe in the Account Agreement and Disclosures. You may be subject to fee or account conversion if transactions are responsible for having access exceeded on your account using Mobile Banking or any other form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking is accessible 24-hours per day, seven days a week; however, First National Bank does not guarantee that Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the appropriate wireless and/or telecommunications networks mobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, Sundays, and Federal Holidays. A transfer initiated before 2:00p.m. CST on business days are responsible for all associated fees and chargesposted to your account the same day. A transfer completed after 2:00p.m. CST will be made available to you, but will not be posted to your account until the next business day as specified above.

Mobile Banking Services. Your enrollment You understand that if you select the optional Mobile Banking Services, you are required to log into Mobile Banking Services by using your Access ID, a mobile PIN you select when registering for Mobile Banking Services (“Mobile PIN”) and AAI if Bank has required use of AAI in our Online order to log into Mobile Banking Services. You understand and acknowledge that the Mobile Banking Services may not be encrypted and, therefore, Bank will never include your Access ID, Password, Mobile PIN or full account number in any communication that you may access on your Mobile Device related to Mobile Banking Services, and you also understand that you should not include any personal information in any communication to Bank via the Mobile Banking Services. However, you understand and acknowledge that Mobile Banking Services may include access to products your name and services through a mobile device ("Mobile Services")information about Your Accounts or Your Loans, such as compatible smart phones and tablets. Mobile Services may include without limitation, short message service the last four (SMS4) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user digits of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address Account number or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreementspecific Account transaction information. You understand and acknowledge that transmission of your masked Account number and specific information, including, but not limited to, dollar amounts and transaction information, does not constitute transmission of personal or private information, and when you register for Mobile Banking Services you authorize the Bank to send such information to your Mobile Device. You understand that Bank is not responsible for any damages in connection with a Mobile Banking Services communication you send to Bank, or a communication Bank sends to you. Because transmission of the Mobile Banking Services are not confidential or secure, you understand that you should not, and you agree certain services may not be encrypted to, use any personally identifiable information when providing shortcuts or providing nicknames to Your Accounts or Your Loans. You also understand that there are risks associated with using your Mobile Device, and may include that in the event of theft or loss of your Mobile Device, your confidential information about may become compromised. You understand that Bank will rely on the communication sent from your registered Mobile Device as confirmation that you such as have authorized all activity conducted using the Mobile Banking Services from your account activity or status. Delivery and receipt of informationregistered Mobile Device, including instructions any Mobile Banking Services and any charges or fees incurred in your use of Mobile Banking Services. Unless otherwise subject to the provisions of Regulation E for paymentconsumer customers, transfer you further understand and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We agree that Bank will not be liable for losses any loss or damages arising from damage incurred by you when an unauthorized person gains access to any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions communications sent through the via Mobile Banking Services. AdditionallyYou understand that you can send secure messages to the Bank over the Internet by logging into Bank’s Online Banking Services from a personal computer with your Access ID, not all of the products, services or functionality described in this Agreement is available through Mobile ServicesPassword and AAI. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the Bank’s use of a mobile device. Information available directly through the online banking website without the use its normal security procedures for maintaining confidentiality and security of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website), or may be more current than the information available via the Mobile Services, including but not limited shall constitute fulfillment of Bank’s obligations to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless providerexercise due care. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the United States. If you are using Mobile Services outside of the United States, understand that you are responsible for having access accessing, opening and reading communications sent to your Mobile Device. It is your responsibility to notify the appropriate wireless and/or telecommunications networks Bank if any communication is not accessible, is incomplete or is unreadable. You understand that information you provide while using Mobile Banking Services may be stored on Bank’s secured servers and are responsible for all associated fees and chargesprotected by industry-standard encryption techniques. However, Bank is not accepting any responsibility to archive any communications with you transmitted or received using the Mobile Banking Services beyond the time required by applicable law, if any, or as stated in this Agreement, whichever is longer.

Mobile Banking Services. Your enrollment in our Online Banking Services You may include access to products and services through a mobile device ("Mobile Services"), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message use this service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may not be encrypted and may include confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using your accounts on a mobile device. Functionality may also vary based on By using Mobile Banking to access an account you are agreeing to the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use terms of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website)which supplements the Account Agreements and Disclosures provided at the time of Account opening as well as your Online Banking Agreement. You should review the Account disclosures carefully, or as they may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment include transaction limitations and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable fees which might apply to your use of Mobile Banking. We may amend the terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law. We reserve the right at all times to protect our systems and information, including denial of access to users of Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do Other Agreements: First National Bank does not charge a fee for any contentMobile Banking services; however, downloadable content may incur additional charges standard data rates from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless mobile service provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless providerstill apply. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure agree that, when you use Mobile Banking, you remain subject to comply with any the terms and conditions of your wireless providerexisting agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. Certain Description of Service: Mobile Services (Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or portions thereofother methods you use for managing your accounts and services with us. Mobile Banking allows you to access your First National Bank account(s) via your mobile device and perform the following actions: • Check your balances • Transaction history • Transfer funds between eligible First National Bank Accounts • Xxxx Pay • Remote Deposit Anywhere To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then register your mobile device within the Online Banking system. To utilize the Xxxx Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Any modifications to your Xxxx Pay will also have to be done through your regular Online Banking. Use of the Remote Deposit Anywhere service is not enabled until you accept the separate “Remote Deposit Anywhere Service Agreement and Disclosure”. We reserve the right to limit the types and number of accounts eligible for mobile banking. We may also reserve the right to modify the scope of the Service at any time. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. First National Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues. We make no representations that Mobile Banking will be available for use in locations outside of the United States. If you are using Accessing Mobile Services Banking from locations outside of the United StatesStates is at your own risk. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Transfers from savings or money market accounts using Mobile Banking are counted as one of the six permitted transfers during each monthly statement period, you as describe in the Account Agreement and Disclosures. You may be subject to fee or account conversion if transactions are responsible for having access exceeded on your account using Mobile Banking or any other form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking is accessible 24-hours per day, seven days a week; however, First National Bank does not guarantee that Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the appropriate wireless and/or telecommunications networks mobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, Sundays, and Federal Holidays. A transfer initiated before 2:00p.m. CST on business days are responsible for all associated fees and chargesposted to your account the same day. A transfer completed after 2:00p.m. CST will be made available to you, but will not be posted to your account until the next business day as specified above.

Mobile Banking Services. Your enrollment in our Online Banking Services may include access to products and services through a mobile device ("“Mobile Services"”), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may not be encrypted and may include confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website), or may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless provider. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the United States. If you are using Mobile Services outside of the United States, you are responsible for having access to the appropriate wireless and/or telecommunications networks and are responsible for all associated fees and charges.

Mobile Banking Services. Your enrollment You understand that if you select the optional Mobile Banking Services, you are required to log into Mobile Banking Services by using your Access ID, a mobile PIN you select when registering for Mobile Banking Services (“Mobile PIN”) and AAI if Bank has required use of AAI in our Online order to log into Mobile Banking Services. You understand and acknowledge that the Mobile Banking Services may not be encrypted and, therefore, Bank will never include your Access ID, Password, Mobile PIN or full account number in any communication that you may access on your Mobile Device related to Mobile Banking Services, and you also understand that you should not include any personal information in any communication to Bank via the Mobile Banking Services. However, you understand and acknowledge that Mobile Banking Services may include access to products your name and services through a mobile device ("Mobile Services")information about Your Accounts or Your Loans, such as compatible smart phones and tablets. Mobile Services may include without limitation, short message service the last four (SMS4) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user digits of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address Account number or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreementspecific Account transaction information. You understand and acknowledge that transmission of your masked Account number and specific information, including, but not limited to, dollar amounts and transaction information, does not constitute transmission of personal or private information, and when you register for Mobile Banking Services you authorize the Bank to send such information to your Mobile Device. You understand that Bank is not responsible for any damages in connection with a Mobile Banking Services communication you send to Bank, or a communication Bank sends to you. Because transmission of the Mobile Banking Services is not confidential or secure, you understand that you should not, and you agree certain services may not be encrypted to, use any personally identifiable information when providing shortcuts or providing nicknames to Your Accounts or Your Loans. You also understand that there are risks associated with using your Mobile Device, and may include that in the event of theft or loss of your Mobile Device, your confidential information about may become compromised. You understand that Bank will rely on the communication sent from your registered Mobile Device as confirmation that you such as have authorized all activity conducted using the Mobile Banking Services from your account activity or status. Delivery and receipt of informationregistered Mobile Device, including instructions any Mobile Banking Services and any charges or fees incurred in your use of Mobile Banking Services. Unless otherwise subject to the provisions of Regulation E for paymentconsumer customers, transfer you further understand and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We agree that Bank will not be liable for losses any loss or damages arising from damage incurred by you when an unauthorized person gains access to any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions communications sent through the via Mobile Banking Services. AdditionallyYou understand that you can send secure messages to the Bank over the Internet by logging into Bank’s Online Banking Services from a personal computer with your Access ID, not all of the products, services or functionality described in this Agreement is available through Mobile ServicesPassword and AAI. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the Bank’s use of a mobile device. Information available directly through the online banking website without the use its normal security procedures for maintaining confidentiality and security of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website), or may be more current than the information available via the Mobile Services, including but not limited shall constitute fulfillment of Bank’s obligations to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless providerexercise due care. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the United States. If you are using Mobile Services outside of the United States, understand that you are responsible for having access accessing, opening and reading communications sent to your Mobile Device. It is your responsibility to notify the appropriate wireless and/or telecommunications networks Bank if any communication is not accessible, is incomplete or is unreadable. You understand that information you provide while using Mobile Banking Services may be stored on Bank’s secured servers and are responsible for all associated fees and chargesprotected by industry-standard encryption techniques. However, Bank is not accepting any responsibility to archive any communications with you transmitted or received using the Mobile Banking Services beyond the time required by applicable law, if any, or as stated in this Agreement, whichever is longer.

Mobile Banking Services. Your enrollment in our Online Banking Services You may include access to products and services through a mobile device ("Mobile Services"), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message use this service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Services, you agree to the following terms and any additional terms and conditions applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may not be encrypted and may include confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using your accounts on a mobile device. Functionality may also vary based on By using Mobile Banking to access an account you are agreeing to the mobile device you use. Information available via the Mobile Services, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use terms of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the Mobile Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website)which supplements the Account Agreements and Disclosures provided at the time of Account opening as well as your Online Banking Agreement. You should review the Account disclosures carefully, or as they may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment include transaction limitations and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable fees which might apply to your use of Mobile Banking. We may amend the terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law. We reserve the right at all times to protect our systems and information, including denial of access to users of Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do Other Agreements: First National Bank does not charge a fee for any contentMobile Banking services; however, downloadable content may incur additional charges standard data rates from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless mobile service provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless providerstill apply. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure agree that, when you use Mobile Banking, you remain subject to comply with any the terms and conditions of your wireless providerexisting agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. Certain Description of Service: Mobile Services (Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or portions thereofother methods you use for managing your accounts and services with us. Mobile Banking allows you to access your First National Bank account(s) via your mobile device and perform the following actions: • Check your balances • Transaction history • Transfer funds between eligible First National Bank Accounts • Bill Pay To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then register your mobile device within the Online Banking system. To utilize the Bill Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Any modifications to your Bill Pay will also have to be done through your regular Online Banking. We reserve the right to limit the types and number of accounts eligible for mobile banking. We may also reserve the right to modify the scope of the Service at any time. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. First National Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues. We make no representations that Mobile Banking will be available for use in locations outside of the United States. If you are using Accessing Mobile Services Banking from locations outside of the United StatesStates is at your own risk. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Transfers from savings or money market accounts using Mobile Banking are counted as one of the six permitted transfers during each monthly statement period, you as describe in the Account Agreement and Disclosures. You may be subject to fee or account conversion if transactions are responsible for having access exceeded on your account using Mobile Banking or any other form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking is accessible 24-hours per day, seven days a week; however, First National Bank does not guarantee that Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the appropriate wireless and/or telecommunications networks mobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, Sundays, and Federal Holidays. A transfer initiated before 2:00p.m. CST on business days are responsible for all associated fees and chargesposted to your account the same day. A transfer completed after 2:00p.m. CST will be made available to you, but will not be posted to your account until the next business day as specified above.

Mobile Banking Services. Your enrollment You may access certain Online Banking Services through a mobile Device ("Mobile Banking" or "Mobile Banking Services"). To participate in Mobile Banking you must be a customer in good standing, and have access to our Online Banking Service. To enroll in Mobile Services, you must download the mobile banking app from your Device’s app store. You will then be asked to create your Mobile Banking login credentials. In an effort to protect your personal and financial information, we encourage you to always use separate and unique login credentials for Mobile Banking and Online Banking. Mobile Banking is available on phones and mobile devices that are SMS Text Message or Web Browser enabled. We offer the following options to manage your personal banking needs from mobile Devices:  SMS Text Message Banking - text to 98969  Mobile App - available for Apple® and Android® devices ("Mobile App") Certain Online Banking Services may include be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile Device to access Mobile Banking Services. Additional terms and conditions, which are provided to products and services through a mobile device ("you when you activate or access Mobile Services"), such as compatible smart phones and tablets. Mobile Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. By using our Mobile Banking Services, also apply, and you agree to the following terms and any be bound by those additional terms and conditions applicable which are incorporated herein by reference. Our security devices and procedures may also require you to specific Mobile Servicesprovide certain account information, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are the ownerlogin information, or authorized user of the mobile device you use PIN numbers to receive the access Mobile Banking Services, and that you are authorized to approve the applicable charges. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree certain services may that we cannot be encrypted control your physical environment to prevent interception of the contents of transmissions to and may include confidential information about you such as from your account activity or status. Delivery and receipt of informationmobile Device, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other partiesSmartphone, or because other technology in connection with your use of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Banking Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, You understand that if you may not be eligible fail to use all the productsadequate internal security devices and procedures, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Servicesas required by this Agreement, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the your use of a mobile device. Information available directly through the online banking website without the use of a mobile device Device, Smartphone, or other technology may not be available via the secure. By accessing Online Banking Services through Mobile Banking Services, may be described using different terminology (including capitalized terms used in this Agreement or on our online banking website)you assume any and all risk associated with your use of mobile Devices, smart phones, or may be more current than the information available via the Mobile other technology in connection with Online Banking Services, including but not limited to account balance informationthe risk of interception of the contents of your transmissions to and from our systems. The method of entering instructions via the You understand and agree that for any mobile Device, Smartphone, or other technology that you want to use with Mobile Services may also differ from the method of entering instructions directly through our online website without the Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of a mobile devicesuch technology. Processing of payment You understand and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do To the maximum extent permitted by applicable law, we will not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless provider. You are be responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to comply with use any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the United Statesforegoing security devices and procedures. If you A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time on a Business Day, is generally posted to your accounts the same day. A transfer between your accounts with us, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, will generally be posted on the next Business Day. All other transfers submitted after 5:00 P.M. central time may be processed on the next Business Day. Business Days are using Mobile Services outside of the United StatesMonday through Friday; Saturday, you Sunday, and federal banking holidays are responsible for having access to the appropriate wireless and/or telecommunications networks and are responsible for all associated fees and chargesnot included.

Mobile Banking Services. Your enrollment in our You understand that Mobile Banking Services allows you to conduct certain Online Banking Services may include access via your Mobile Device. Bank, in its sole discretion, shall decide what Online Banking Services are offered via Mobile Banking Services. To obtain further details regarding Mobile Banking Services you must visit xxx.xxxxxx.xxx. You understand that to products and services through a mobile device ("enroll in Mobile Services"), such Banking Services you must complete the entire registration process as compatible smart phones and tabletsoutlined at xxx.xxxxxx.xxx. You must promptly notify Bank in the event you want to change your registered Mobile Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable applicationDevice. By using our enrolling in the Mobile Banking Services, you agree expressly consent to the following terms and any additional terms and conditions applicable Bank sending communications to specific your Mobile Device for purposes of delivering Mobile Banking Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them All communications from Bank to you and that your wireless provider is acting as your agent in this capacityfrom you to Bank are not confidential and are deemed the Bank’s property. You represent also expressly agree that Bank may provide you with information, offers, advertisements, links or other materials maintained or offered by third parties in accordance with applicable law and Bank’s Privacy Policy, and you agree to receive such communications even if your Mobile Device is registered on any federal or state do-not-call registry. Bank does not control or endorse in any way information, products or services maintained by such third parties, and you use such third party services at your own risk. You also understand that by using third party services (including linking to third party websites) you are subject to the owner, or authorized user of the mobile device you use to receive the Mobile Servicesthird party’s privacy policy which may differ from Bank’s Privacy Policy, and that you are authorized to approve responsible for reviewing the applicable chargesprivacy policies of the third party. You agree to provide a valid phone number, eIf you use any location-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to based Mobile Services. Additionally, Banking Services you agree to indemnify, defend that your geographic location and hold us harmless from other personal information may be accessed and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreementdisclosed via such services. You understand and agree certain services may not be encrypted and may include confidential information about that if you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through choose to enroll in Bank’s optional Mobile Banking Services that you must have a Mobile Device with the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the products, services or functionality described in this Agreement is available through Mobile Services. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try ability to access them using the Internet via a mobile deviceweb browser and SMS text message functionality, as well as other compatible wireless hardware and software necessary to operate such Mobile Device. Functionality may also vary based on the mobile device You understand you use. Information available via the must have a Mobile ServicesDevice service plan with a suitable Mobile Device service provider of your choice, including balance, transfer and payment information, may differ from the information that is available directly through the online banking website without the use of a mobile device. Information available directly through the online banking website without the use of a mobile device may not be available via the your Mobile Services, may be described using different terminology Device service (including capitalized terms used in this Agreement or on our online banking website), or may be more current than the information available via the Internet connection) is not part of Bank’s Mobile Banking Services, including but not limited to account balance information. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through our online website without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by and payable to your wireless provider. You are responsible for any charges acquiring, maintaining and operating your Mobile Device and for all associated costs, expenses and fees you incur from your wireless providerservice provider or any third parties in using your Mobile Device for Mobile Banking Services. We are You understand that Bank is not responsible for any damages resulting from your failure to comply with any terms and conditions errors or failures of your wireless provider. Certain Mobile Services (Device or portions thereof) its software and is not responsible for any viruses or related problems that may not be available outside associated with the use of the United States. If you are using Mobile Services outside of the United States, you are responsible for having access to the appropriate wireless and/or telecommunications networks and are responsible for all associated fees and chargesBanking Services.