Common use of Alerts Clause in Contracts

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Alerts. You may use the Internet Banking Service to request and receive from the Bank any of the alerts made available through this Service by making alert selections within the Internet Banking Application. The following Alerts terms and conditions ("Alerts Terms of Use") only apply Bank may add new alerts or discontinue existing alerts at any time. According to your selections, we will send alerts to the Alerts feature (as defined below)email address or mobile number you provide to us in Internet Banking. It is solely your responsibility to ensure that the email address and mobile number you provide to the Bank are current and accurate. If the email address or mobile number is not current and accurate, then you must update your email address or mobile number in Internet Banking before alerts can be delivered to the email address or mobile number again. You may choose to opt out of the alerts service at any time. However, if you choose to opt out and then decide later to opt back in to the alerts service, you must provide your email address or mobile number in Internet Banking before alerts can be delivered to the email address or mobile number again. Your failure to maintain current and accurate contact information with the Bank will prevent delivery of alerts through this Service, for which the Bank expressly disclaims any and all liability. Your receipt of any alert may be delayed or prevented by your internet service provider, telecommunications provider, or other third parties. The Bank does not guarantee either the delivery or the accuracy of the contents of any alert. The Bank will not be liable for damages of any kind arising from non-delivery or delayed delivery of an alert, the location to which an alert is delivered, inaccurate content in an alert, or your use of or reliance on the contents of any alert for any purposes. Because the balance of accounts is subject to change at any time, the information provided in any alert may become quickly outdated. Alerts are not available to youencrypted. You acknowledge that, then this Alerts Terms although the Bank may show less than the full account number for any of Use does not apply. To your accounts in an alert, the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional alert may include personal information about your accounts. Depending on where you instruct the Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you to send your alerts, anyone with important Account notifications, such as information about changes access to your Online email or eligible Mobile Device may be able to view the contents of these alerts. The services are separate and apart from any other charges that may be assessed by your wireless carrier for text messages sent to or received from Community Trust Bank, Inc. You are responsible for any fees or other charges that your wireless carrier may charge for any related data or message services. Any cause of action concerning the Internet Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts Services under this Agreement must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu commenced within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youone year after such cause of action has occurred.

Alerts. You may use the Mobile Banking Service to request and receive from the Bank any of the alerts made available through this Service by making alert selections within the Internet Banking Application. The following Alerts terms and conditions ("Alerts Terms of Use") only apply Bank may add new alerts or discontinue existing alerts at any time. According to your selections, we will send alerts to the Alerts feature (as defined below)email address or mobile number you provide to us in Internet Banking. If It is solely your responsibility to ensure that the email address and mobile number you provide to the Bank are current and accurate. In that event, you must update your mobile number in Internet Banking before alerts can be delivered to a mobile number again. Should you wish to receive alerts to your mobile phone number after opting out of the alerts service, you must update your mobile number in Internet Banking before alerts can be delivered to a mobile number again. Your failure to maintain current and accurate contact information with us will prevent delivery of alerts through this Service, for which the Bank expressly disclaims any liability. Your receipt of any alert may be delayed or prevented by your internet service provider, telecommunications provider, or other third parties. The Bank does not guarantee either the delivery or the accuracy of the contents of any alert. The Bank will not be liable for damages of any kind arising from non-delivery or delayed delivery of an alert, the location to which an alert is delivered, inaccurate content in an alert, or your use of or reliance on the contents of any alert for any purposes. Because the balance of accounts is subject to change at any time, the information provided in any alert may become quickly outdated. Alerts are not available to youencrypted. You acknowledge that, then this Alerts Terms although the Bank may show less than the full account number for any of Use does not apply. To your accounts in an alert, the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional alert may include personal information about your Bank Account(s)accounts. Alerts are provided within the following categories: Mandatory Alerts provide Depending on where you instruct us to send your alerts, anyone with important Account notifications, such as information about changes access to your Online Banking Password, PIN, email or login information. You do not have eligible Mobile Device may be able to view the option to suppress contents of these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youalerts.

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”)a tool for managing your accounts. Alerts are electronic notices from us that contain transactional can be established in online and mobile banking to provide account information about your Bank Account(s)via email or text. Alerts include but are provided within the following categoriesnot limited to: Mandatory Alerts provide you with deposit account available balance, loan payment due date, certificate maturity date, check clearing, and debit card transactions. How- ever, it is important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not rely solely on Alerts for account information. Although we make every effort to ensure Alerts are delivered as expected, there are conditions that may make the Alerts unreliable such as, but not limited to: spam filters, relay detectors, inaccurate or obsolete email addresses, network or system failures, etc. Alerts are designed to give you timely notice of specific events, but it may not always provide immediate notice. Balances shown on Alerts reflect your available balance, not your actual account balances. We recommend that the Alert service be tested prior to regular use to identify any limiting con- ditions that may be present. We do so because they provide important information related to your Service Accountsnot guarantee the delivery of any account alert. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts Text and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through data fees may apply when using this service on your mobile device. We Your use of Alerts is at your own risk. Under no circumstances shall we or our Service Providers be liable for any type of damage, including fees resulting in any way from your use or reliance upon the Alerts Service or the contents of specific Alerts. Neither we nor our Service Providers assume any responsibility for the timeliness, accuracy, reliability, deletion, miss delivery or completeness of any Alerts we may add new Alerts from time to timesend you. You agree that neither we nor our Service Providers will be liable for any delays in the content, or cancel old Alertsfor any actions you take in reliance thereon. If you need current account information, you agree to contact us by phone directly or by accessing online or mobile banking. We usually notify you when we cancel Alertsdo not charge for text alerts. However, but are not obligated to do soyour mobile service provider may charge for sending and receiving text messages on your mobile device. Check with your service provider for details on specific fees and charges that may apply. The Bank reserves following terms and conditions apply to your use of the right text alerts. • You agree to terminate its Alerts provide the Credit Union with a valid mobile phone number. You agree to indemnify, defend, and hold us harmless from any third-party claims, liability, damages, or costs arising from you providing us with a phone number that is not your own. • You agree that we may send you text messages through your wireless provider and that you are responsible for all charges and fees associated with text messaging imposed by your wireless service at provider. • You agree to notify us immediately of any time without prior notice changes to youyour registered device. In case of unauthorized access to your device, you agree to cancel the enrollment associated with the device immediately. • If you use any location-based feature of mobile banking you agree that your geographic location and other personal information may be accessed and disclosed through mobile banking. If you wish to revoke access to such information you must cease using location-based features of mobile banking.

Alerts. The following Alerts terms and conditions You may use the Service to receive alerts related to particular customer identifiers that you maintain with Us ("Alerts Terms of Use"Security Alerts) only apply and/or alerts related to the Alerts feature your Account activity (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Account Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment ) in the Bank’s Online Banking and/or Mobile Banking form of emails sent to your selected email addresses (the “Service”) includes enrollment to receive transaction alerts and notifications (collectively “Alerts”). Once enrolled for Alerts, Security Alerts are electronic notices from enabled by default (although you may disable these alerts) and will help you manage the security of your accounts with Us. Examples of Security Alerts are when your OLB password has changed, your OLB User ID has changed, your address has changed, your telephone number has changed, etc. In addition to Security Alerts, you may choose to receive various Account Alerts which will help you manage activity in your Accounts. By signing up to receive Alerts, you consent to delivery of such Alerts to the email addresses you identify. You are responsible for notifying us of any changes to your email to which Alerts are sent. Security Alerts are sent automatically after the triggering event and Account Alerts are sent daily, Tuesday through Saturday, based on account activity occurring on the prior Business Day. You understand and agree that contain transactional information about your Bank Account(s)Alerts will not be sent on a “real time” basis, and that all Alerts are sent AFTER the triggering event has taken place and been completed. Alerts are provided within simply after-the-fact reminders and will not, nor are intended to, prevent any event or Transaction from taking place. We reserve the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes right to your Online Banking Password, PIN, change the frequency or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification timing of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because at any time and from time to time. Any modifications shall be effective when they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through are posted on the Service. You canwill be notified as soon as possible when any changes are made that materially affect your rights. You acknowledge that Alerts will not maintain all be encrypted, and you agree to receive Alerts through that may include confidential information pertaining to you, this Service, and your mobile deviceAccount(s). Depending upon the Alert, information pertaining to checking account balances, checks written, or insufficient funds may be included. You agree to notify us of any change to your email addresses in order to ensure continued delivery of your Alerts. It is your responsibility to secure these accounts, protect your user name(s) and password(s), and provide timely information about email contact changes in order to protect the confidentiality of this information. You consent to any disclosures by Commerce which may occur if you do not take appropriate steps to prevent access to your information by unauthorized persons. We endeavor to provide Alerts in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of the contents of any Alert. Alert balances will not reflect pending transactions and deposits may add new Alerts from time to timenot be available for immediate withdrawal. You understand and agree that receipt of each Alert may be delayed, or cancel old Alertsprevented by factors affecting your Internet service provider(s), phone operator(s), and such other relevant entities ("Third Party Service Providers"). All matters concerning Third Party Service Providers are solely between you and the Third Party Service Provider. We usually notify make no representations or warranties whatsoever with regard to Third Party Service Providers' products and services. Alerts and its contents are intended for informative purposes only. Unless required by law or by contract, you when acknowledge that Commerce is under no obligation to respond in any way to the event which prompted the Alert. Commerce and its affiliates will not be liable for losses or damages arising from (a) non-delivery, delayed delivery, or misdelivery of an Alert; (b) inaccurate content in an Alert; or (c) your use or reliance on the contents of any Alert for any purchases or any other reason. You agree that we cancel Alertsshall not be liable for any delays, but failure to deliver, or misdirected delivery of any Alert; for any errors in the content of an Alert; or for any actions taken or not taken by you or any third party in reliance on an Alert. If you believe further attention to this matter is required, you must contact the proper Commerce Bank representative as stated in the Alert. Alerts are not obligated intended to do so. The Bank reserves the right replace your account statements or any other communications we may provide to terminate its Alerts service at any time without prior notice to youyou regarding your account(s).

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with Service provides real time notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service AccountsChelsea Groton Bank Account(s) such as a low balance or the occurrence of an overdraft. Additional Alerts must If you subscribe to our alerts, you will be activated asked to select either email or text message (SMS) as a method of delivery. Enhanced Debit Card alerting is available by downloading our Smart Card mobile app and enrolling with your debit card. This service provides real-time transaction alerts, balance notification, spending limits and more. While Xxxxxxx Xxxxxx Bank does not charge for the delivery of alerts, please be advised that your receipt of alerts may be subject to charges or rates imposed by your carrier. You understand and accept that alerts are not encrypted and while we will never include your password or full account number in the alert, we may include limited information about your account and anyone with access to your alerts will be able to view the contents of these messages. We do our best to provide alerts in a timely manner with accurate information, but alerts may be delayed or prevented by a variety of factors beyond our control such as system failures or misdirected delivery. We don’t guarantee the delivery or accuracy of alerts and the contents of an alert may be outdated by the time the alert is sent or received resulting from other account activity or delays in sending data among various systems. You agree that we are not liable for any delays, failure to deliver, or misdirected delivery of any alert, for any errors in the content of an alert or for any actions taken or not taken by you to be enabledor a third party as the result of an alert. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Xxxxxxx Xxxxxx Bank reserves the right to terminate its Alerts service any request for any alert, at any time without prior notice to youtime. Termination shall not affect your liability under this Agreement for transactions commenced or accepted by the Bank on your behalf. YOU ACKNOWLEDGE THAT THESE MESSAGES MAY INCLUDE INFORMATION THAT IS CONSIDERED CONFIDENTIAL UNDER FEDERAL AND STATE LAW, AND SOMEONE WHO HAS ACCESS TO YOUR SMS HISTORY OR E-MAIL ACCOUNT MAY BE ABLE TO VIEW THEIR CONTENT.

Alerts. The following Alerts terms Online banking offers both automated system alerts and conditions ("Alerts Terms opt-in alerts. System alerts are sent to your registered e-mail address or telephone number for security purposes to authenticate your identity. Some of Use") only apply these alerts are part of the Service and are not optional. In addition to security alerts, you may choose to receive additional alerts regarding other information delivered by secure messaging, e-mail or telephone. You will be asked to provide contact information when you sign up for the alert. By signing up to receive any opt-in alerts, you represent and warrant to us that the e-mail addresses or telephone numbers you provide are owned by you or authorized by the rightful owner to be used by you. You consent to delivery of such opt-in alerts, in the format selected, to the Alerts feature (as defined below)contact telephone numbers by text message, or e-mail addresses you identify or provide. If Alerts You are not available responsible for maintaining, in the Service, any changes to you, then this Alerts Terms of Use does not applyyour e-mail addresses and telephone numbers to which alerts are sent. To stop receiving any optional alerts, log into online banking and in the extent there is any conflict between Alerts section select the terms of the Agreement and this Alerts Terms of Use with respect alert you would like to Alerts, then the terms in this Alerts Terms of Use shall applydelete. Your enrollment full account number will not be included in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction any alert. However, alerts and notifications (“Alerts”). Alerts are electronic notices from us that may contain transactional information about your Bank Account(s)accounts. Alerts are provided within Information, including but not limited to, account balances and payment due dates may be included in the following categories: Mandatory Alerts alert, depending on the specific type of alert or how you configure it. Anyone with access to your e-mail, mobile device, and/or telephone services may be able to access the contents of alerts. It is your responsibility to secure these devices, protect your Member ID and password, and provide you with important Account notifications, such as timely information about telephone or e-mail contact changes in order to your Online Banking Password, PIN, or login protect the confidentiality of this information. You do not have the option consent to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you any disclosures by us which may suppress these Account Alerts, we strongly recommend that occur if you do not do so because they provide important information related take appropriate steps to prevent access to your Service Accountsinformation by unauthorized persons. Additional Alerts must We endeavor to provide alerts in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of the contents of any alerts. Alert balances will not reflect pending transactions. If you require additional details about a transaction you can log into online banking or call us at (000) 000-0000. You agree we shall not be activated liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of any alert; or for any actions taken or not taken by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youthird party in reliance on an alert.

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with Service provides real time notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service AccountsChelsea Groton Bank Account(s) such as a low balance or the occurrence of an overdraft. Additional Alerts must If you subscribe to our alerts, you will be activated asked to select either email or text message (SMS) as a method of delivery. While Chelsea Groton Bank does not charge for the delivery of alerts, please be advised that your receipt of alerts may be subject to charges or rates imposed by your carrier. You understand and accept that alerts are not encrypted and while we will never include your password or full account number in the alert, we may include limited information about your account and anyone with access to your alerts will be able to view the contents of these messages. We do our best to provide alerts in a timely manner with accurate information, but alerts may be delayed or prevented by a variety of factors beyond our control such as system failures or misdirected delivery. We don’t guarantee the delivery or accuracy of alerts and the contents of an alert may be outdated by the time the alert is sent or received resulting from other account activity or delays in sending data among various systems. You agree that we are not liable for any delays, failure to deliver, or misdirected delivery of any alert, for any errors in the content of an alert or for any actions taken or not taken by you to be enabledor a third party as the result of an alert. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Chelsea Groton Bank reserves the right to terminate its Alerts service any request for any alert, at any time without prior notice to youtime. Termination shall not affect your liability under this Agreement for transactions commenced or accepted by the Bank on your behalf. YOU ACKNOWLEDGE THAT THESE MESSAGES MAY INCLUDE INFORMATION THAT IS CONSIDERED CONFIDENTIAL UNDER FEDERAL AND STATE LAW, AND SOMEONE WHO HAS ACCESS TO YOUR SMS HISTORY OR E-MAIL ACCOUNT MAY BE ABLE TO VIEW THEIR CONTENT.

Alerts. The following Alerts terms Online banking offers both automated system alerts and conditions ("Alerts Terms opt-in alerts. System alerts are sent to your registered e-mail address or telephone number for security purposes to authenticate your identity. Some of Use") only apply these alerts are part of the Service and are not optional. In addition to security alerts, you may choose to receive additional alerts regarding other information delivered by secure messaging, e-mail or telephone. You will be asked to provide contact information when you sign up for the alert. By signing up to receive any opt-in alerts, you represent and warrant to us that the e-mail addresses or telephone numbers you provide are owned by you or authorized by the rightful owner to be used by you. You consent to delivery of such opt- in alerts, in the format selected, to the Alerts feature (as defined below)contact telephone numbers by text message, or e-mail addresses you identify or provide. If Alerts You are not available responsible for maintaining, in the Service, any changes to you, then this Alerts Terms of Use does not applyyour e-mail addresses and telephone numbers to which alerts are sent. To stop receiving any optional alerts, log into online banking and in the extent there is any conflict between Alerts section select the terms of the Agreement and this Alerts Terms of Use with respect alert you would like to Alerts, then the terms in this Alerts Terms of Use shall applydelete. Your enrollment full account number will not be included in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction any alert. However, alerts and notifications (“Alerts”). Alerts are electronic notices from us that may contain transactional information about your Bank Account(s)accounts. Alerts are provided within Information, including but not limited to, account balances and payment due dates may be included in the following categories: Mandatory Alerts alert, depending on the specific type of alert or how you configure it. Anyone with access to your e-mail, mobile device, and/or telephone services may be able to access the contents of alerts. It is your responsibility to secure these devices, protect your Member ID and password, and provide you with important Account notifications, such as timely information about telephone or e-mail contact changes in order to your Online Banking Password, PIN, or login protect the confidentiality of this information. You do not have the option consent to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you any disclosures by us which may suppress these Account Alerts, we strongly recommend that occur if you do not do so because they provide important information related take appropriate steps to prevent access to your Service Accountsinformation by unauthorized persons. Additional Alerts must We endeavor to provide alerts in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of the contents of any alerts. Alert balances will not reflect pending transactions. If you require additional details about a transaction you can log into online banking or call us at 0.000.000.0000. You agree we shall not be activated liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of any alert; or for any actions taken or not taken by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youthird party in reliance on an alert.

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. These messages may include, but are not limited to, notifications about potential fraud on your debit or credit card, recent account activity, or changes to your online profile. You can opt not to receive push notifications by turning off push notifications on your Mobile app. You can opt not to receive certain alert text messages by disabling consent to receive text messages through the Online Banking Services. We also offer a subscription based Alerts Service (“Alerts Service”) which you are able to opt-in to through Online Banking or Mobile Banking for your Eligible Account(s). You can sign up for messages that may include but are not limited to, notifications of account activity, balances, card activity and other information, such as payment reminders. When you sign up for the Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions through the Online Banking Services. All Alerts are subject to the following: • We may add new Alerts from time to time, or cancel old Alertsalerts. We usually notify you when we cancel Alertsalerts, but are not obligated to do so. • Alerts will be sent to the email address you have provided as your primary email address for Online Banking. You can also choose to have these sent to a secondary email address, a mobile device that accepts text messages, or a mobile device that can receive our Mobile App Alerts through a push notification system. If your email address or your mobile device's number changes, you are responsible for informing us of that change. While First Bank does not charge for the delivery of the alerts, please be advised that text or data charges or rates may be imposed by your carrier. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. • We do our best to provide alerts in a timely manner with accurate information, but alerts may be delayed or prevented by a variety of factors beyond our control (such as system failures or misdirected delivery). We do not guarantee the delivery or accuracy of alerts. The Bank reserves contents of an alert may be outdated by the right time an alert is sent or received, due to terminate its Alerts service at other activity on your account or to delays in sending data among various systems. You agree that we are not liable for any time without prior notice delays, failure to youdeliver, or misdirected delivery of any alert; for any errors in the content of an alert or for any actions taken or not taken by you or a third party as the result of an alert. • Because alerts are not encrypted, we will never include your password or full account number. However, alerts may include your name and some information about your accounts. Depending upon the type of alert, information such as your account balance, transaction information or the due date for your credit card, charge card and/or business line of credit payment may be included. Anyone with access to your alerts will be able to view the contents of these messages.

Alerts. The following Alerts terms Online banking offers both automated system alerts and conditions ("Alerts Terms opt-in alerts. System alerts are sent to your registered e-mail address or telephone number for security purposes to authenticate your identity. Some of Use") only apply these alerts are part of the Service and are not optional. In addition to security alerts, you may choose to receive additional alerts regarding other information delivered by secure messaging, e-mail or telephone. You will be asked to provide contact information when you sign up for the alert. By signing up to receive any opt-in alerts, you represent and warrant to us that the e-mail addresses or telephone numbers you provide are owned by you or authorized by the rightful owner to be used by you. You consent to delivery of such opt-in alerts, in the format selected, to the Alerts feature (as defined below)contact telephone numbers by text message, or e-mail addresses you identify or provide. If Alerts You are not available responsible for maintaining, in the Service, any changes to you, then this Alerts Terms of Use does not applyyour e-mail addresses and telephone numbers to which alerts are sent. To stop receiving any optional alerts, log into online banking and in the extent there is any conflict between Alerts section select the terms of the Agreement and this Alerts Terms of Use with respect alert you would like to Alerts, then the terms in this Alerts Terms of Use shall applydelete. Your enrollment full account number will not be included in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction any alert. However, alerts and notifications (“Alerts”). Alerts are electronic notices from us that may contain transactional information about your Bank Account(s)accounts. Alerts are provided within Information, including but not limited to, account balances and payment due dates may be included in the following categories: Mandatory Alerts alert, depending on the specific type of alert or how you configure it. Anyone with access to your e-mail, mobile device, and or telephone services may be able to access the contents of alerts. It is your responsibility to secure these devices, protect your Member ID and password, and provide you with important Account notifications, such as timely information about telephone or e-mail contact changes in order to your Online Banking Password, PIN, or login protect the confidentiality of this information. You do not have the option consent to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you any disclosures by us which may suppress these Account Alerts, we strongly recommend that occur if you do not do so because they provide important information related take appropriate steps to prevent access to your Service Accountsinformation by unauthorized persons. Additional Alerts must We endeavor to provide alerts in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of the contents of any alerts. Alert balances will not reflect pending transactions. If you require additional details about a transaction you can log into online banking or call us at (000) 000-0000. You agree we shall not be activated liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of any alert; or for any actions taken or not taken by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youthird party in reliance on an alert.

Alerts. The  Automatic Alerts may be sent to you following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account account activities or when certain changes are made online to your Service AccountsOnline Banking account, such as scheduled payments made and mobile depositsa change in your email address, your credentials, or irregular card activity. These Alerts are alerts will be automatically activated for you. Although you may have the option to suppress some of these Account Automatic Alerts, we strongly recommend that you do not do so because they not. These alerts provide important information related to your Service Accountsonline security or account activities. Additional  Voluntary Account Alerts must be activated by activated. o Voluntary Account Alerts allow you to choose alert messages for your accounts. Each alert has different options available, and you will be enabledasked to select from among these options upon activation of your alerts service. These Additional  Both Automatic Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. and Voluntary Account Alerts and Additional Alerts must be managed and/or added online through are subject to the Service. You cannot maintain all Alerts through your mobile device. following: o We may add new Automatic and Voluntary Account Alerts from time to time, or cancel old Alertsalerts. We usually may notify you when we cancel Alertsalerts, but are not obligated to do so. The o Alerts will be sent to the email address you have provided as your primary email address for Online Banking. You may also choose to have alerts sent to a secondary email address, including a mobile device that accepts text messages. If there is a change to your email address or mobile phone number, you are responsible for informing us of that change. While Independent Bank reserves does not charge for the right delivery of the Alerts, please be advised that text or data charges or rates may be imposed by your carrier. Changes to terminate its Alerts service at your primary and secondary email addresses will apply to all corresponding Alerts. o You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any time without prior notice alert. You also agree that we shall not be liable for any delays, failure to youdeliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert. o Because alerts are not encrypted, we will not include your credentials or full account number. However, alerts may include your name and some information about your accounts. Depending upon which alerts you select, information such as your account balance or the due date for a bill payment may be included. Anyone with access to your email will be able to view the contents of these alerts.

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Apple River State Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Apple River State Bank Account(saccount(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts alerts from time to time, or cancel old Alertsalerts. We usually notify you when we cancel Alertsalerts, but are not obligated to do so. The Apple River State Bank reserves the right to terminate its Alerts alerts service at any time without prior notice to you. Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Apple River State Bank Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. Alerts via Text Message. To stop alerts via text message, text "STOP" to 96924 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Apple River State Bank Online Banking. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at (000) 000-0000. Our participating carriers include (but are not limited to) AT&T, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Alerts. The  Automatic Alerts may be sent to you following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account account activities or when certain changes are made online to your Service AccountsInternet Banking/Mobile Banking account, such as scheduled payments made and mobile depositsa change in your address or your credentials. These Alerts are alerts will be automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they They provide important information related to your Service Accountsonline security or account activities. Additional  Voluntary Account Alerts must be activated by activated. o Voluntary Account Alerts allow you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through choose alert messages for your mobile deviceaccounts. We may add new alerts from time to time, or cancel old alerts. Each alert has different options available, and you will be asked to select from among these options upon activation of your alerts service.  Both Automatic Alerts and Voluntary Account Alerts are subject to the following: o We may add new Automatic and Voluntary Account Alerts from time to time, or cancel old Alertsalerts. We usually may notify you when we cancel Alertsalerts, but are not obligated to do so. The Bank reserves o Alerts will be sent to the right email address you have provided as your primary email address for Internet Banking. You may also choose to terminate its Alerts service at have alerts sent to a mobile device that accepts text messages. If there is a change to your email address or mobile phone number, you are responsible for informing us of that change. While Baylands Family Credit Union does not charge for the delivery of the Alerts, please be advised that text or data charges or rates may be imposed by your carrier. Changes to your primary email address will apply to all corresponding Alerts. o You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any time without prior notice alert. You also agree that we shall not be liable for any delays, failure to youdeliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert. o Because alerts are not encrypted, we will not include your credentials or full account number. However, alerts may include your name and some information about your accounts. Depending upon which alerts you select, information such as your account balance or the due date for a bill payment may be included. Anyone with access to your email will be able to view the contents of these alerts.

Alerts. The following Alerts terms Online banking offers both automated system alerts and conditions ("Alerts Terms opt-in alerts. System alerts are sent to your registered e-mail address or telephone number for security purposes to authenticate your identity. Some of Use") only apply these alerts are part of the Service and are not optional. In addition to security alerts, you may choose to receive additional alerts regarding other information delivered by secure messaging, e-mail or telephone. You will be asked to provide contact information when you sign up for the alert. By signing up to receive any opt-in alerts, you represent and warrant to us that the e-mail addresses or telephone numbers you provide are owned by you or authorized by the rightful owner to be used by you. You consent to delivery of such opt-in alerts, in the format selected, to the Alerts feature (as defined below)contact the telephone numbers by voice or text message, or e-mail addresses you identify or provide. If Alerts You are not available responsible for maintaining, in the Service, any changes to you, then this Alerts Terms of Use does not applyyour e-mail addresses and telephone numbers to which alerts are sent. To stop receiving any optional alerts, log into online banking and in the extent there is any conflict between Alerts section select the terms of the Agreement and this Alerts Terms of Use with respect alert you would like to Alerts, then the terms in this Alerts Terms of Use shall applydelete. Your enrollment full account number will not be included in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction any alert. However, alerts and notifications (“Alerts”). Alerts are electronic notices from us that may contain transactional information about your Bank Account(s)accounts. Alerts are provided within Information, including but not limited to, account balances and payment due dates may be included in the following categories: Mandatory Alerts alert, depending on the specific type of alert or how you configure it. Anyone with access to your e-mail, mobile device, and or telephone or answering machine or services may be able to access the contents of alerts. It is your responsibility to secure these devices, protect your Member ID and password, and provide you with important Account notifications, such as timely information about telephone or e- mail contact changes in order to your Online Banking Password, PIN, or login protect the confidentiality of this information. You do not have the option consent to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you any disclosures by us which may suppress these Account Alerts, we strongly recommend that occur if you do not do so because they provide important information related take appropriate steps to prevent access to your Service Accountsinformation by unauthorized persons. Additional Alerts must We endeavor to provide alerts in a timely manner with accurate information. However, we do not guarantee the delivery or accuracy of the contents of any alerts. Alert balances will not reflect pending transactions. If you require additional details about a transaction you can log into online banking or call us at 0-000-000-0000. You agree we shall not be activated liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of any alert; or for any actions taken or not taken by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youthird party in reliance on an alert.

Alerts. The following Alerts terms are a tool for managing your accounts. Alerts can be established in online and mobile banking to provide account information via email or text. Alerts include but are not limited to: deposit account available balance, loan payment due date, certificate maturity date, check clearing, and debit card transactions. However, do not rely solely on Alerts for account information. Although we make every effort to ensure Alerts are delivered as expected, there are conditions ("Alerts Terms of Use") only apply to that may make the Alerts feature (as defined below). If Alerts are unreliable such as, but not available to youlimited to: spam filters, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alertsrelay detectors, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”)inaccurate or obsolete email addresses, network or system failures, etc. Alerts are electronic notices from us designed to give you timely notice of specific events, but it may not always provide immediate notice. Balances shown on Alerts reflect your available balance, not your actual account balances. We recommend that contain transactional information about your Bank Account(s)the Alert service be tested prior to regular use to identify any limiting conditions that may be present. Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You We do not have guarantee the option to suppress these Mandatory Alertsdelivery of any account alert. Account Alerts provide you with notification of important Account activities or Text and data fees may apply when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through using this service on your mobile device. We Your use of Alerts is at your own risk. Under no circumstances shall we or our Service Providers be liable for any type of damage, including fees resulting in any way from your use or reliance upon the Alerts Service or the contents of specific Alerts. Neither we nor our Service Providers assume any responsibility for the timeliness, accuracy, reliability, deletion, misdelivery or completeness of any Alerts we may add new Alerts from time to timesend you. You agree that neither we nor our Service Providers will be liable for any delays in the content, or cancel old Alertsfor any actions you take in reliance thereon. We usually notify If you when we cancel Alertsneed current account information, but are not obligated you agree to do so. The Bank reserves the right to terminate its Alerts service at any time without prior notice to youcontact us by phone directly or by accessing online or mobile banking.

Alerts. The  Automatic Alerts may be sent to you following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account account activities or when certain changes are made online to your Service AccountsONE Wallet account, such as scheduled payments made and mobile depositsa change in your email address, your credentials, or irregular card activity. These Alerts are alerts will be automatically activated for youyou and sent to your e-mail address. Although you may have the option to suppress some of these Account Automatic Alerts, we strongly recommend that you do not do so because they not. These alerts provide important information related to your Service Accountsonline security or account activities. Additional  Voluntary Account Alerts must be activated by activated. o Voluntary Account Alerts allow you to choose alert messages for your accounts. Each alert has different options available, and you will be enabledasked to select from among these options upon activation of your alerts service. These Additional  Both Automatic Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. and Voluntary Account Alerts and Additional Alerts must be managed and/or added online through are subject to the Service. You cannot maintain all Alerts through your mobile device. following: o We may add new Automatic and Voluntary Account Alerts from time to time, or cancel old Alertsalerts. We usually may notify you when we cancel Alertsalerts, but are not obligated to do so. The o Alerts will be sent to the email address you have provided as your primary email address for ONE Wallet. You may also choose to have voluntary alerts sent to a mobile device that accepts text messages. If there is a change to your email address or mobile phone number, you are responsible for informing us of that change. While Independent Bank reserves does not charge for the right delivery of the Alerts, please be advised that text or data charges or rates may be imposed by your carrier. Changes to terminate its Alerts service at your primary and secondary email addresses will apply to all corresponding Alerts. o You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any time without prior notice alert. You also agree that we shall not be liable for any delays, failure to youdeliver, or misdirected deliv ery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert. o Because alerts are not encrypted, we will not include your credentials or full account number. However, alerts may include your name and some information about your accounts. Depending upon which alerts you select, information such as your account balance or the due date for a xxxx payment may be included. Anyone with access to your email will be able to view the contents of these alerts.

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s North Shore Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your North Shore Bank Account(saccount(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service Accounts. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. Mandatory Alerts provide you with important account notifications such as information about changes to your Online Banking password, PIN, or log-in information. You cando not maintain all Alerts through your mobile devicehave the option to suppress these Mandatory Alerts. We may add new Alerts alerts from time to time, or cancel old Alertsalerts. We usually notify you when we cancel Alertsalerts, but are not obligated to do so. The North Shore Bank reserves the right to terminate its Alerts alerts service at any time without prior notice to you. Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message or (b) an email account, by an e-mail message. You agree North Shore Bank may contact you by sending text messages or emails, using any email address or mobile phone number you provide to us. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) and (b) above supports the email and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. Alerts via Text Message. To stop alerts via text message, text "STOP" to 48179 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in North Shore Bank Online Banking. For help with SMS text alerts, text “HELP” to 48179. In case of questions please contact customer service at 1-877-672- 2265. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Alerts. The Automatic Alerts may be sent to you following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Bank Account(s). Alerts are provided within the following categories: Mandatory Alerts provide you with important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account account activities or when certain changes are made online to your Service AccountsOnline Banking account, such as scheduled payments made and mobile depositsa change in your email address, your credentials, or irregular card activity. These Alerts are alerts will be automatically activated for you. Although you may have the option to suppress some of these Account Automatic Alerts, we strongly recommend that you do not do so because they not. They provide important information related to your Service Accountsonline security or account activities. Additional • Voluntary Account Alerts must be activated by activated. o Voluntary Account Alerts allow you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through choose alert messages for your mobile deviceaccounts. We may add new alerts from time to time, or cancel old alerts. Each alert has different options available, and you will be asked to select from among these options upon activation of your alerts service. • Both Automatic Alerts and Voluntary Account Alerts are subject to the following: o We may add new Automatic and Voluntary Account Alerts from time to time, or cancel old Alertsalerts. We usually may notify you when we cancel Alertsalerts, but are not obligated to do so. The o Alerts will be sent to the email address you have provided as your primary email address for Online Banking. You may also choose to have alerts sent to a secondary email address, including a mobile device that accepts text messages. If there is a change to your email address or mobile phone number, you are responsible for informing us of that change. While Xxxx Rock Savings Bank reserves does not charge for the right delivery of the Alerts, please be advised that text or data charges or rates may be imposed by your carrier. Changes to terminate its Alerts service at your primary and secondary email addresses will apply to all corresponding Alerts. o You understand and agree that your alerts may be delayed or prevented by a variety of factors. We do our best to provide alerts in a timely manner with accurate information. We neither guarantee the delivery nor the accuracy of the contents of any time without prior notice alert. You also agree that we shall not be liable for any delays, failure to youdeliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance of an alert. o Because alerts are not encrypted, we will not include your credentials or full account number. However, alerts may include your name and some information about your accounts. Depending upon which alerts you select, information such as your account balance or the due date for a bill payment may be included. Anyone with access to your email will be able to view the contents of these alerts.

Alerts. The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Your enrollment in the Bank’s Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”)a tool for managing your accounts. Alerts are electronic notices from us that contain transactional can be established in online and mobile banking to provide account information about your Bank Account(s)via email or text. Alerts include but are provided within the following categoriesnot limited to: Mandatory Alerts provide you with deposit account available balance, loan payment due date, certificate maturity date, check clearing, and debit card transactions. However, it is important Account notifications, such as information about changes to your Online Banking Password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. Account Alerts provide you with notification of important Account activities or when certain changes are made to your Service Accounts, such as scheduled payments made and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not rely solely on Alerts for account information. Although we make every effort to ensure Alerts are delivered as expected, there are conditions that may make the Alerts unreliable such as, but not limited to: spam filters, relay detectors, inaccurate or obsolete email addresses, network or system failures, etc. Alerts are designed to give you timely notice of specific events, but it may not always provide immediate notice. Balances shown on Alerts reflect your available balance, not your actual account balances. We recommend that the Alert service be tested prior to regular use to identify any limiting conditions that may be present. We do so because they provide important information related to your Service Accountsnot guarantee the delivery of any account alert. Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the “More” menu within the Bank’s Mobile Banking. Account Alerts Text and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through data fees may apply when using this service on your mobile device. We Your use of Alerts is at your own risk. Under no circumstances shall we or our Service Providers be liable for any type of damage, including fees resulting in any way from your use or reliance upon the Alerts Service or the contents of specific Alerts. Neither we nor our Service Providers assume any responsibility for the timeliness, accuracy, reliability, deletion, miss delivery or completeness of any Alerts we may add new Alerts from time to timesend you. You agree that neither we nor our Service Providers will be liable for any delays in the content, or cancel old Alertsfor any actions you take in reliance thereon. If you need current account information, you agree to contact us by phone directly or by accessing online or mobile banking. We usually notify you when we cancel Alertsdo not charge for text alerts. However, but are not obligated to do soyour mobile service provider may charge for sending and receiving text messages on your mobile device. Check with your service provider for details on specific fees and charges that may apply. The Bank reserves following terms and conditions apply to your use of the right text alerts. • You agree to terminate its Alerts provide the Credit Union with a valid mobile phone number. You agree to indemnify, defend, and hold us harmless from any third-party claims, liability, damages, or costs arising from you providing us with a phone number that is not your own. 5 • You agree that we may send you text messages through your wireless provider and that you are responsible for all charges and fees associated with text messaging imposed by your wireless service at provider. • You agree to notify us immediately of any time without prior notice changes to youyour registered device. In case of unauthorized access to your device, you agree to cancel the enrollment associated with the device immediately. • If you use any location-based feature of mobile banking you agree that your geographic location and other personal information may be accessed and disclosed through mobile banking. If you wish to revoke access to such information you must cease using location-based features of mobile banking.