Common use of Description and Access Clause in Contracts

Description and Access. The Card Control Service is accessible through the Online Banking Service or the Mobile app to provide you the ability to control and manage any Debit Card linked to your customer profile. You can set alerts and controls on transactions based on certain criteria and parameters. Control Settings. The service provides the following controls: Card on/off setting. If you use this feature and turn the card “off,” we won’t allow purchases or withdrawals until you turn the card back “on.” Recurring payments, credits and deposits will be allowed while card is turned off. Spending limits. Transaction and monthly thresholds above a specified amount can be blocked and alert notifications sent when the set limits are exceeded. Transaction Types. Allows cardholders to setup alerts and/or block transactions based on certain types of transactions such as at an ATM, e-commerce, in-store, mail/phone orders and recurring. Merchant Types. Allows cardholders to setup and receive alerts and/or block transactions based on the merchant type used to make purchases, such as gas stations, household, personal care, age restricted, department stores, restaurants, entertainment, travel, and groceries. Location-based control. The Location feature can limit and/or deny transactions to international merchants and send notifications. Notifications. We’ll send a notification whenever you make a purchase that you request to be notified or when your card transaction is declined. Notifications will default to be sent as an in-app message, but you have the option to receive blocked and processed transactions electronically via email, text and in-app. Notifications delivered by email will be sent to your email address in our records. By clicking on “I Agree” you agree that we may provide you with correspondence in electronic form via email. Standard text message charges may apply. Service Disclaimer. There may be service disruptions or events beyond our control that could adversely affect the Card Control Service. Such disruptions or events include but are not limited to: telecommunication system delays or outages; power outages; network, communication or data plan outages; natural disasters; or any other event outside the control of us. Any such disruption or event may block or otherwise limit your usage of the Card Control Service and/or use of your Debit Card based off of the card settings in place at the time of the disruptions. You agree that we will not be liable for any losses or damages as a result of Service unavailability. You must always examine your Account statements promptly and routinely review all transactions and other activity on your Account. Commercial Accounts with Multiple Users. For Commercial Accounts, only your online banking system administrator(s) will be granted access to control all debit cards assigned to your company identification number. Card Control Services will not be available to any company who accesses its Account(s) under a different company name. MOBILE BANKING SERVICE TERMS AND CONDITIONS General Mobile Banking Terms. This Section V sets forth additional terms and conditions that apply if you access Services through a Mobile Device. Except where modified by this Section, all terms and conditions applicable to the Online Banking Services set forth in Section IV remain in effect and shall govern all Services accessed through the Mobile Device application or through a Mobile Device (collectively, the “Mobile

Description and Access. The Card Control Service is accessible through the Online Banking Service or the Mobile app App to provide you the ability to control and manage any Debit Card linked to your customer profileAccount. You can set alerts and controls on transactions based on certain criteria and parameters. Control Settings. Settings The service provides the following controls: • Card on/off setting. If you use this feature and turn the card “off,” we won’t allow purchases or withdrawals until you turn the card back “on.” Recurring payments, credits and deposits will be allowed while card is turned off. • Spending limits. Transaction and monthly thresholds above a specified amount can be blocked and alert notifications sent when the set limits are exceeded. • Transaction Types. Allows cardholders to setup alerts and/or block transactions based on certain types of transactions such as at an ATM, e-commerce, in-store, mail/phone orders and recurringonline shopping. • Merchant Types. Allows cardholders to setup and receive alerts and/or block transactions based on the merchant type used to make purchases, such as gas stations, household, personal care, age restricted, department stores, restaurants, entertainment, travel, and groceries. • Location-based controlcontrols. The Location feature You can limit and/or deny transactions to international merchants and send notificationstransactions. Notifications. Notifications We’ll send a notification whenever you make a purchase that you request to be notified or when your card transaction is declined. Notifications will default to be sent as an in-app message, but you have the option to receive blocked and processed transactions electronically via email, text and in-app. Notifications delivered by email will be sent to your email address in our records. By clicking on “I Agree” you agree that we may provide you with correspondence in electronic form via email. Standard text message charges may apply. Travel notices Setup to be notified when traveling domestically or internationally to allow use of your card without interruption. Travel notices must begin on a business day but can end on a weekend or holiday. Service Disclaimer. Disclaimer There may be service disruptions or events beyond our control that could adversely affect the Card Control Service. Such disruptions or events include events, include, but are not limited to: telecommunication system delays or outages; power outages; network, communication or data plan outages; natural disasters; or any other event outside the control of us. Any such disruption or event may block or otherwise limit your usage of the Card Control Service and/or use of your Debit Card based off of the card settings in place at the time of the disruptions. You agree that we will not be liable for any losses or damages as a result of Service unavailability. You must always examine your Account statements promptly and routinely review all transactions and other activity on your Account. Commercial Accounts with Multiple Users. For Commercial Accounts, only your online banking system administrator(s) will be granted access to control all debit cards assigned to your company identification number. Card Control Services will not be available to any company who accesses its Account(s) under a different company name. MOBILE BANKING SERVICE TERMS AND CONDITIONS General Mobile Banking Terms. This Section V sets forth additional terms and conditions that apply if you access Services through a Mobile Device. Except where modified by this Section, all terms and conditions applicable to the Online Banking Services set forth in Section IV remain in effect and shall govern all Services accessed through the Mobile Device application or through a Mobile Device (collectively, the “Mobile.