Common use of Alerts Clause in Contracts

Alerts. We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to 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 alerts. We usually notify you when we cancel alerts, 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 contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to 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 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. Your enrollment in The Ottoville Bank Company 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 Ottoville Bank Company account(s). Methods of Delivery. We may automatically send you certain alert messages via emailprovide 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 Ottoville Bank Company Online Banking message in-box, by an e-mail message. 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/or and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by other means, including to your mobile deviceEndPoint service provider. These messages may include, but are not limited to, notifications about potential fraud on your debit or credit card, recent Alert frequency varies by account activity, or changes to your online profileand preferences. You can opt not agree 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 provide us a subscription based Alerts Service (“Alerts Service”) which you are able to opt-in to through Online Banking valid mobile phone number 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 alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will be sent to the email address so that we may send 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 systemAlerts. 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 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 Alerts via Text Message. To stop Alerts via text message, text "STOP" to provide alerts in a timely manner with accurate information, but alerts may 41952 at any time. Alerts sent to your primary email address will be delayed or prevented unaffected by a variety of factors beyond our control (such as system failures or misdirected delivery)this action. We do not guarantee the delivery or accuracy of alerts. The contents of an alert may be outdated by the time an alert is sent or received, due to other activity To restore Alerts on your account or mobile phone, just visit the Alerts tab in The Ottoville Bank Company Online Banking and click the box next to 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 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.your

Alerts. We Automatic Alerts may automatically send be sent to you following important account activities or when certain alert messages via email, text message, push notification, and/or by other means, including changes are made online to your mobile deviceOnline Banking account, such as a change in your email address, your credentials, or irregular card activity. These messages alerts will be automatically activated for you. Although you may includehave the option to suppress some of these Automatic Alerts, but are not limited to, notifications about potential fraud on your debit or credit card, recent account activity, or changes we strongly recommend that you do not. They provide important information related to your online profilesecurity or account activities. You can opt not • Voluntary Account Alerts must be activated. o Voluntary Account Alerts allow you to receive push notifications by turning off push notifications on choose alert messages for your Mobile app. You can opt not to receive certain alert text messages by disabling consent to receive text messages through the Online Banking Servicesaccounts. We also offer a subscription based Alerts Service (“Alerts Service”) which may add new alerts from time to time, or cancel old alerts. Each alert has different options available, and you are able will be asked 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 select from among these options upon activation 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 Servicesservice. All • 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 alerts. We usually may notify you when we cancel alerts, but are not obligated to do so. • o Alerts will be sent to the email address you have provided as your primary email address for Online Banking. You can may also choose to have these alerts sent to a secondary email address, including a mobile device that accepts text messages, or a mobile device that can receive our Mobile App Alerts through a push notification system. If there is a change to your email address or your mobile device's number changesphone number, you are responsible for informing us of that change. While First ▇▇▇▇ Rock Savings Bank does not charge for the delivery of the alertsAlerts, 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 Changes to your primary and secondary email addresses will apply to all corresponding Alerts. o You understand and agree that your alerts may be delayed or mobile device numberprevented by a variety of factors. • 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 neither guarantee the delivery or nor the accuracy of alerts. The the contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to delays in sending data among various systemsany alert. You also agree that we are shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert alert; or for any actions taken or not taken by you or a any third party as the result in reliance of an alert. • o Because alerts are not encrypted, we will never not include your password credentials or full account number. However, alerts may include your name and some information about your accounts. Depending upon the type of alertwhich alerts you select, information such as your account balance, transaction information balance or the due date for your credit card, charge card and/or business line of credit a bill payment may be included. Anyone with access to your alerts email will be able to view the contents of these messagesalerts.

Alerts. We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to 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 Your enrollment in Marathon Bank Online Banking Services. We also offer a subscription based Alerts Service and/or Mobile Banking (the “Alerts Service”) which you are able includes enrollment to opt-in to through Online Banking or Mobile Banking for your Eligible Account(sreceive transaction alerts and notifications (“Alerts”). You can sign up for messages Alerts are electronic notices from us that may include but are not limited to, notifications of account activity, balances, card activity contain transactional information about your Marathon Bank account(s). Account Alerts and other information, such as payment reminders. When you sign up for the Additional Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), must be managed and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions added online through the Online Banking ServicesService. All Alerts are subject to the following: • We may add new Alerts alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will Marathon Bank reserves the right to terminate its 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 Marathon 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 sent 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 the provide us a valid mobile phone number or email address so that we may send 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 systemalerts. 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 Alerts via Text Message. To stop alerts via text message, text "STOP" to provide 48179 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore 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 contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or mobile phone, just visit the alerts tab in Marathon Bank Online Banking. For help with SMS text alerts, text “HELP” to delays in sending data among various systems48179. You agree that we In case of questions please contact customer service at 1-844-864-7330. Our participating carriers include (but are not liable for any delayslimited to) AT&T, failure to deliverT-Mobile®, 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 encryptedU.S. Cellular®, we will never include your password or full account number. HoweverVerizon Wireless, 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 messagesMetroPCS.

Alerts. We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to 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 Your enrollment in CB&S Bank Online Banking Services. We also offer a subscription based Alerts Service and/or Mobile Banking (the “Alerts Service”) which you are able includes enrollment to opt-in to through Online Banking or Mobile Banking for your Eligible Account(sreceive transaction alerts and notifications (“Alerts”). You can sign up for messages Alerts are electronic notices from us that may include but are not limited to, notifications of account activity, balances, card activity contain transactional information about your CB&S Bank account(s). Account Alerts and other information, such as payment reminders. When you sign up for the Additional Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), must be managed and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions added online through the Online Banking ServicesService. All Alerts are subject to the following: • We may add new Alerts alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will CB&S Bank reserves the right to terminate its 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 CB&S 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 sent 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 the provide us a valid mobile phone number or email address so that we may send 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 systemalerts. 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 contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to 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 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. We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to 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 Your enrollment in ▇▇▇▇▇▇▇▇ Bank & Trust Online Banking Services. We also offer a subscription based Alerts Service and/or Mobile Banking (the “Alerts Service”) which you are able includes enrollment to opt-in to through Online Banking or Mobile Banking for your Eligible Account(sreceive transaction alerts and notifications (“Alerts”). You can sign up for messages Alerts are electronic notices from us that may include but are not limited to, notifications of account activity, balances, card activity contain transactional information about your ▇▇▇▇▇▇▇▇ Bank & Trust account(s). Account Alerts and other information, such as payment reminders. When you sign up for the Additional Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), must be managed and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions added online through the Online Banking ServicesService. All Alerts are subject to the following: • We may add new Alerts alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will ▇▇▇▇▇▇▇▇ Bank & Trust reserves the right to terminate its 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 ▇▇▇▇▇▇▇▇ Bank & Trust 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 sent 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 the provide us a valid mobile phone number or email address so that we may send 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 systemalerts. 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. • Alerts via Text Message. To stop alerts via text message, text "STOP" to 99588 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 ▇▇▇▇▇▇▇▇ Bank & Trust Online Banking. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at ▇▇▇-▇▇▇-▇▇▇▇. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Limitations. ▇▇▇▇▇▇▇▇ Bank & Trust provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We do our best strive to provide alerts in a timely manner with accurate information. However, but you acknowledge and agree that your receipt of any alerts may be delayed or prevented by a variety of factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors beyond our control (such as system failures or misdirected delivery)outside ▇▇▇▇▇▇▇▇ Bank & Trust’s control. We do not neither guarantee the delivery or nor the accuracy of alerts. The the contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to delays in sending data among various systemseach Alert. You agree that we are to not hold ▇▇▇▇▇▇▇▇ Bank & Trust, its directors, officers, employees, agents, and service providers liable for any delayslosses or damages, failure to deliverincluding attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of any alertan Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an 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 alertpurpose. • Because Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your password passcode or full account number. However, You acknowledge and agree that alerts may not be encrypted and 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 and anyone with access to your alerts will be able to view the contents of these messages.

Alerts. We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including You can set up opt-in alerts in Business Online Banking to be sent to your mobile device. These messages may include, but are not limited to, notifications about potential fraud email address on your debit or credit card, recent account activityfile for the individual customer associated with the business, or changes one that you provide during the activation process. Alerts allows you to your online profilereceive important notifications triggered by specific account activities. 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 alerts. We usually notify you when we cancel alerts, 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 business deposit account related alerts. The contents alerts service will allow you to choose which alert messages you would like to receive for each of an your business deposit accounts. Each alert has different options available, and you will be asked to select from among these options upon activation of your alerts service. Depending on the type of alert, it may take up to two Business Days for the alerts to be outdated by the time an alert is sent or received, due to other activity on your account or to delays in sending data among various systemsimplemented. You agree that we are not liable for any delays, failure to deliverdeliver any alert(s), or misdirected delivery of any alert; for alert(s), any errors in the content of an alert alert(s), or for any actions taken or not taken by you or a third party as the result of an alert. • We may add new alerts from time to time or cancel old alerts. We will use commercially reasonable efforts to notify you when we cancel existing alerts, but are not obligated to do so. Digital Banking Agreement for Business Online and Mobile Banking 12 / 33 Alerts will be sent to the email address you designate during the alert’s activation process. If your email address changes, you are responsible for informing us of that change. Sent alerts are not encrypted. Because alerts are not encrypted, we will never include your password password, social security number, or full account number, nor will we ask for any such information to be provided to us through an alert. However, alerts Alerts may include other account information including your name and some information about your accounts. Depending upon the type of alert, information accounts such as your account balancebalances, transaction information or the recent transactions, and due date dates for your credit card, charge card and/or business line of credit payment may be includedany payments. Anyone with access to your alerts email will be able to view the contents of these messagesalerts.

Alerts. We may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to 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 Your enrollment in F&M Bank Online Banking Services. We also offer a subscription based Alerts Service (the “Alerts Service”) which you are able includes enrollment to opt-in to through Online Banking or Mobile Banking for your Eligible Account(sreceive transaction alerts and notifications (“Alerts”). You can sign up for messages Alerts are electronic notices from us that may include but are not limited to, notifications of account activity, balances, card activity contain transactional information about your F&M Bank account(s). Account Alerts and other information, such as payment reminders. When you sign up for the Additional Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), must be managed and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions added online through the Online Banking ServicesService. All Alerts are subject to the following: • We may add new Alerts alerts from time to time, time or cancel old alerts. We usually notify you when we cancel alerts, alerts but are not obligated to do so. • Alerts will F&M Bank reserves the right to terminate its 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 F&M 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 sent 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 the provide us a valid mobile phone number or email address so that we may send 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 systemalerts. 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. • Alerts via Text Message. To stop alerts via text message, text "STOP" to 96924 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 F&M Bank Online Banking. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at ▇▇▇-▇▇▇-▇▇▇▇ during regular business hours. Our participating carriers include (but are not limited to) AT&T, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Limitations. F&M Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We do our best strive to provide alerts in a timely manner with accurate information. However, but you acknowledge and agree that your receipt of any alerts may be delayed or prevented by a variety of factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors beyond our control (such as system failures or misdirected delivery)outside F&M Bank’s control. We do not neither guarantee the delivery or nor the accuracy of alerts. The the contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to delays in sending data among various systemseach Alert. You agree that we are to not hold F&M Bank, its directors, officers, employees, agents, and service providers liable for any delayslosses or damages, failure to deliverincluding attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of any alertan Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an 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 alertpurpose. • Because Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your password passcode or full account number. However, You acknowledge and agree that alerts may not be encrypted and 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 and anyone with access to your alerts will be able to view the contents of these messages.messages Upon Company’s submission of a request for the Online Funds Transfer Service and the approval of the Implementation Form for this Service, or upon its use of the Service, whichever occurs first, Company agrees:

Alerts. We may automatically send Your enrollment in Business Digital Banking and/or Mobile Banking includes receiving transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us to you certain alert messages via email, text message, push notification, that contain transactional information about your Account(s). “Account Alerts” and [Additional Alerts] must be managed and/or by other means, including to 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 added 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 [add] send new Alerts from time to time, or cancel old alertsAlerts. We usually may notify you when we cancel alertsAlerts, but we are not obligated to do so. • The Bank reserves the right to terminate its Alerts service at any time without prior notice to you. However, you will be sent notified if such Service is terminated. 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 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. Those charges are yours and not our responsibility. 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 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 systemAlerts. 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 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 contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to 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 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. We The Alert option allows you to request and receive messages about your account. For security and informational purposes Midwest Bank may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including automated alerts to your mobile deviceprimary email account. These messages Although Alerts are designed to give instant notice of specific events, they may include, but are not limited to, notifications about potential fraud on your debit or credit card, recent account activity, or changes always provide immediate notice. It is recommended to your online profile. You can opt not maintain a current email address and phone number to receive push notifications by turning off push notifications alerts. If you use or rely on Alerts, you do so at your own risk. Your enrollment in Midwest Bank Online/Mobile app. You can opt not to receive certain alert text messages by disabling consent to receive text messages through Banking (the Online Banking Services. We also offer a subscription based Alerts Service (“Alerts Service”) which you are able includes enrollment to opt-in to through Online Banking or Mobile Banking for your Eligible Account(sreceive transaction alerts and notifications (“Alerts”). You can sign up for messages Alerts are electronic notices from us that may include but are not limited to, notifications of account activity, balances, card activity contain transactional information about your Midwest Bank account(s). Account Alerts and other information, such as payment reminders. When you sign up for the Additional Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), must be managed and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions added online through the Online Banking ServicesService. All Alerts are subject to the following: • We may add new Alerts alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will Midwest Bank reserves the right to terminate its alerts service at any time without prior notice to you. 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 sent 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 the provide us a valid mobile phone number or email address so that we may send 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 systemalerts. 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 contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to 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 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. We may automatically send Your enrollment in 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(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. Mandatory Alerts provide you certain alert messages via email, text message, push notification, and/or by other means, including to your mobile device. These messages may include, but are not limited to, with important account notifications such as information about potential fraud on your debit or credit card, recent account activity, or changes to your online profileOnline Banking password, PIN, or log-in information. You can opt do not have the option to receive push notifications by turning off push notifications on your Mobile appsuppress these Mandatory Alerts. 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 alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will be sent North Shore Bank reserves the right to terminate its 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 address you have and text message alerts provided as through the alerts service. Please be advised that text or data charges or rates may be imposed by your primary endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address for Online Banking. You can also choose to have these sent to a secondary email address, a mobile device so that accepts text messages, or a mobile device that can receive our Mobile App Alerts through a push notification systemwe may send you alerts. 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 Alerts via Text Message. To stop alerts via text message, text "STOP" to provide 48179 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore 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 contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or mobile phone, just visit the alerts tab in North Shore Bank Online Banking. For help with SMS text alerts, text “HELP” to delays in sending data among various systems48179. You agree that we In case of questions please contact customer service at 1-877-672- 2265. Our participating carriers include (but are not liable for any delayslimited to) AT&T, failure to deliverSprintPCS, 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 encryptedT-Mobile®, we will never include your password or full account number. HoweverU.S. Cellular®, alerts may include your name and some information about your accounts. Depending upon the type of alertVerizon Wireless, 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 messagesMetroPCS.

Alerts. Your enrollment in the Online and Mobile Services includes access to alerts for your accounts. The Alerts services are optional and are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. We may add new alerts from time to time or cancel alerts. We may notify you of cancelled alerts services at our sole discretion, but we are not obligated to do so. We do not guarantee the delivery, timeliness, or accuracy of alerts. Alert frequency may vary by account. We will not be liable to you if any alerts are inaccurate, delayed, or prevented due to circumstances outside of our control. We are not liable for any error by you in entering any details when you elect to use alerts (e.g., if you key in the wrong mobile number or email address to send the alert). Alerts are provided "as is" with no representation, guarantee or warranty of any kind as to its functionality. The Alerts services are only available to customers who have an eligible account with us. An eligible account includes, but is not limited to, Consumer or Small Business Deposit or Credit Card accounts. TD Bank may automatically send you certain alert messages alerts via email, text message, push notification, and/or by other means, including to your mobile device. These messages may include, but are not limited to, include notifications about potential fraud on your account(s), debit card or credit card, recent account activity, or changes to your online profile. Standard data and message rates may apply. If you would like to update the delivery method of your alerts (e.g., SMS Text, Email or Push), please visit your Online Banking profile or Mobile app. You can opt not to receive push notifications by turning off push notifications on your TD Mobile app. You can opt not Not all delivery methods may be available for all types of alerts. Customers are required to receive certain alert text messages by disabling consent to receive text messages through maintain updated contact information in their online banking profiles. Receipt of any of the Online Banking Services. We also offer a subscription based Alerts Service (“Alerts Service”) which you alerts we send, whether they are able to opt-in to through Online Banking automatic alerts 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 from the Alerts Serviceservice, 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 alerts. We usually notify you when we cancel alerts, 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 factor(s) affecting your internet/phone provider or misdirected delivery). We do not guarantee the delivery or accuracy of alertsother circumstances. The contents of an information in any alert may be outdated by subject to certain delays. To cancel alerts sent via text message, reply STOP to any message or visit the time an alert is sent Alerts section within your Online Banking application or receivedMobile app. For help or information regarding the Alerts services, due text HELP to other activity on your account or to delays in sending data among various systemsany message you receive. You agree that we are not liable for any delaysFor additional assistance with Alerts services, 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 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 messagescontact TD Bank's customer service at (▇▇▇) ▇▇▇-▇▇▇▇.

Alerts. We may automatically send you certain alert messages via emailYour enrollment in Commerce Bank of Wyoming, text message, push notification, and/or by other means, including to 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 a Branch of NebraskaLand Bank Online Banking Services. We also offer a subscription based Alerts Service and/or Mobile Banking (the “Alerts Service”) which you are able includes enrollment to opt-in to through Online Banking or Mobile Banking for your Eligible Account(sreceive transaction alerts and notifications (“Alerts”). You can sign up for messages Alerts are electronic notices from us that may include but are not limited tocontain transactional information about your Commerce Bank of Wyoming, notifications a Branch of account activity, balances, card activity NebraskaLand Bank account(s). Account Alerts and other information, such as payment reminders. When you sign up for the Additional Alerts Service, you may choose to receive eligible alerts through (as available) email message(s), text message(s), push notification(s), must be managed and/or by other means. You may modify your Alerts Service preferences or choose to discontinue receiving alerts by updating your alerts subscriptions added online through the Online Banking ServicesService. All Alerts are subject to the following: • We may add new Alerts alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. • Alerts will Commerce Bank of Wyoming, a Branch of NebraskaLand Bank reserves the right to terminate its 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 Commerce Bank of Wyoming, a Branch of NebraskaLand 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 sent 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 the provide us a valid mobile phone number or email address so that we may send 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 systemalerts. 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. • 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 Commerce Bank of Wyoming, a Branch of NebraskaLand Bank Online Banking. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at {▇▇▇-▇▇▇-▇▇▇▇}. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T- Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Limitations. Commerce Bank of Wyoming, a Branch of NebraskaLand Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We do our best strive to provide alerts in a timely manner with accurate information. However, but you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Commerce Bank of Wyoming, a variety Branch of factors beyond our control (such as system failures or misdirected delivery)NebraskaLand Bank’s control. We do not neither guarantee the delivery or nor the accuracy of alerts. The the contents of an alert may be outdated by the time an alert is sent or received, due to other activity on your account or to delays in sending data among various systemseach Alert. You agree that we are to not hold Commerce Bank of Wyoming, a Branch of NebraskaLand Bank, its directors, officers, employees, agents, and service providers liable for any delayslosses or damages, failure to deliverincluding attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of any alertan Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an 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 alertpurpose. • Because Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your password passcode or full account number. However, You acknowledge and agree that alerts may not be encrypted and 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 and anyone with access to your alerts will be able to view the contents of these messages. There is no fee for accessing your account(s) through the Online Banking Service. Per Transfer Charge- We will charge $0.50 for each transfer in excess of three allowed for Savings accounts. A $3.00 fee will be charged for each transfer in excess of three allowed debits per statement cycle for Money Market accounts. A listing of our current fee schedule is available by clicking on the following link: Fee Schedule. You agree that all such fees and charges will be deducted from your account(s). You are responsible for any fees assessed/billed by your internet service provider. You may, at your option, choose to enroll for Online ▇▇▇▇ Pay and pay your bills online via Online Banking. In order to have access to Online ▇▇▇▇ Pay, you must have a Checking account from which payments will be made and be enrolled in Online Banking. Use your Username and password to access your account and then click on “▇▇▇▇ Pay”. To access Online ▇▇▇▇ Pay, you will need to agree to the Online ▇▇▇▇ Pay Terms and Conditions. For a list of these fees, refer to Online ▇▇▇▇ Pay Terms and Conditions.