Common use of Mobile Banking Services Clause in Contracts

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphone. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required Technology. We may also require you to register each mobile device, smartphone, or other Required Technology with which you intend to access Mobile Banking Services. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Our Security Devices and Procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphone. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required Technology. We may also require you to register each mobile device, smartphone, or other Required Technology with which you intend to access Mobile Banking Services. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Our Security Devices and Procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcodepassword, or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other Required Technology. Certain Portions of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphone. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required Technology. We may also require you to register each mobile device, smartphone, or other Required Technology with which you intend to access Mobile Banking Services. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Our Security Devices and Procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphone. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required Technology. We may also require you to register each mobile device, smartphone, or other Required Technology with which you intend to access Mobile Banking Services. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Our Security Devices and Procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately immediately, change password word and un-enable access to such devices from your online banking preference ”Mobile” if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures. Additional Term and Conditions apply for the use of Mobile Remote Deposit Capture. See additional disclosure for acceptance.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphone. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required Technology. We may also require you to register each mobile device, smartphone, or other Required Technology with which you intend to access Mobile Banking Services. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Our Security Devices and Procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access The Mobile Banking Services is lost similar to the Online Banking Service and refers generally to any service allowing an existing member to access and view Accounts from a web-enabled mobile phone or stolendevice (“Mobile Device”) whose network allows secure SSL traffic and supports WAP browsers. To We do not guarantee the maximum extent permitted by Applicable Lawfunctionality of the Service on all wireless devices or networks; however, we generally the Service should be compatible with any web-enabled mobile phone or other Mobile Device, regardless of make, model, or mobile service provider. This proprietary solution adapts to any screen size and can change dynamically to present items on any screen in a pleasing format. The Mobile Banking Service allows You to view transaction history, view Account balances, view account transaction history, transfer funds between Accounts, pay bills to payees, view alerts, and if You have selected the Mobile Remote Deposit (or Remote Deposit) Service, to remotely make deposits. In most cases You may use the Service to gain access to deposit accounts in which You have an unrestricted right to withdraw funds. However, We, as We may determine at any time and from time to time in its sole discretion, may deny Service account access, restrict Service account transactions, or place limits on the specific dollar amount of funds that may be withdrawn or transferred from any account. We will not be responsible for your failure any errors or failures from any malfunction of Your Mobile Device or any malicious software or other problems related to the Mobile Device used with Our Services. From time to time, We may develop additional mobile banking services. As We develop such services, You will have the opportunity to add them to Your Mobile Banking Service, provided You have compatible wireless hardware and software. To use the Service, You must have an open account with Us, register for Online Banking Services, and have a compatible Mobile Device. During the registration process, You will enter Your mobile phone number as well as other information We require to authenticate Your identity. You will be provided with further instructions on how to access the Service using a software application (“App”) or the browser on Your Mobile Device. During this registration process, You will be required to provide Your Online Banking Service identification credentials (i.e., Your Security Device) that You must use each time You access the Service. In addition to other Security Procedures provided for in this Agreement, the use of the Security Device, Your Mobile Device, and Biometric Logon are security procedures established by Us to authenticate the identity of the person attempting to gain access to the Service. Biometric Logon is an authentication method to assist in verifying Your identity. It collects Your facial or fingerprint (image capture), or Your voice biometric (audio recording). The security procedure is not designed for the detection of errors. We may require You to change Your Security Device from time to time for security reasons. You should keep Your Security Device in a secure location. Any person having access to Your Security Device or Your Biometric Logon will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Pay Services. With this Security Device, a third party will be able to use any Your Online Banking Service to add new payees to the Bill Pay Service. You are responsible for safeguarding the Security Devices, including Your Biometric Logon, and Your Mobile Device. Providing these Security Devices or Biometric Logon to another person effectively constitutes a grant of authority to access Your accounts. Because the Mobile Banking Service is similar to the Online Banking Service on a PC, there are security risks associated with the use of the foregoing Security Devices Service. The hardware and Proceduressoftware that You use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising You of the existence or potential effect of such malicious code, and Your use of Your hardware and software is at Your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as an Access Device virus. However, no security system is failsafe, and despite Our efforts the security of the Service could be compromised, or malicious code could be introduced by third parties. We will provide You with notice if Your information is the subject of a security breach as required by applicable law.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other with Access Devices using Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphonecertain Access Devices. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application application, Access Device, or other Required Technology. See the Section titled "Required Technology" for recommended minimum user hardware, software, and other feature standards for use of certain Mobile Banking Services with certain Access Devices. We may also require you to register each mobile device, smartphoneAccess Device, or other Required Technology Technology, a telephone number, and a valid email address or with which you intend to access Mobile Banking Services. You understand and agree that by registering an Access Device or other Required Technology with us, you are subscribed to Q2ebanking Text Banking, provided by Q2ebanking. You agree and affirm that you are the authorized user of an Access Device or other Required Technology that you register with us or any Q2ebanking service. You also understand and agree that you are subscribed until you send via text or SMS message, the message "STOP" to Q2ebanking Text Banking, provided by Q2ebanking. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Such applications may include but are not limited to Shazam Bolt$, though which you may be allowed to view the balance and related information for your Connected Accounts, locate ATMs, set automated alerts for certain events occurring with respect to your Connected Accounts, and set restrictions or limitations on certain transactions regarding your Connected Accounts. Our Security Devices and Procedures may also require you to provide certain account information, login information, four (4) character Display Name, mobile authorization code or PIN numbers to access Mobile Banking Services, which you agree and understand shall remain confidential. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, Access Device or other Required Technology in connection with your use of Mobile Banking Services. Bank may, in Bank’s sole and absolute discretion, allow one or more of you, the Master User, and Sub- Users to use third party technologies that allow access to and use of Online Banking Services using one or more fingerprints or other biometric or personal information stored in or transmitted to Bank by an Access Device. You acknowledge that and agree to communicate to the Master User and all Sub-Users that (a) use of such third party technologies and any such storage of biometric or other personal information on an Access Device by an unauthorized Person may result in Unauthorized Use, (b) it is possible the third parties providing such technologies may permit their use to obtain access to and use other software applications or for other purposes in addition to Online Banking Services, and (c) that allowing any Person to use such technologies for such other purposes on an Access Device used for Online Banking Services may allow such Person to engage in Unauthorized Use. In addition to any and all other Security Procedures required to be imposed by Customer, you shall establish and follow sufficient Security Procedures to maintain the security of any Access Device using such third party technology and shall not permit any unauthorized Person to (i) access or use such biometric or personal information or (ii) store such unauthorized Person’s biometric or personal information on or though such Access Device in a manner that may allow such unauthorized Person to engage in Unauthorized Use. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, an Access Device or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, an Access Device or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems, the risk of unauthorized transactions appearing to be transmitted from an authorized Access Device, and the risk of an unauthorized Access Device imitating an authorized Access Device transmitting or receiving unauthorized information. You understand and agree that for any mobile device, smartphone, an Access Device or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, passcode or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, an Access Device or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other with Compatible Devices using Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphonecertain Compatible Devices. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application application, Compatible Device, or other Required Technology. See the Section titled "Required Technology" for recommended minimum user hardware, software, and other feature standards for use of certain Mobile Banking Services with certain Compatible Devices. We may also require you to register each mobile device, smartphoneCompatible Device, or other Required Technology Technology, a telephone number, and a valid email address or with which you intend to access Mobile Banking Services. You understand and agree that by registering a Compatible Device or other Required Technology with us, you are subscribed to Q2ebanking Text Banking, provided by Q2ebanking. You agree and affirm that you are the authorized user of a Compatible Device or other Required Technology that you register with us or any Q2ebanking service. You also understand and agree that you are subscribed until you send via text or SMS message, the message "STOP" to Q2ebanking Text Banking, provided by Q2ebanking. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Such applications may include but are not limited to Shazam Bolt$, though which you may be allowed to view the balance and related information for your Connected Accounts, locate ATMs, set automated alerts for certain events occurring with respect to your Connected Accounts, and set restrictions or limitations on certain transactions regarding your Connected Accounts. Our Security Devices and Procedures may also require you to provide certain account information, login information, four (4) character Display Name, mobile authorization code or PIN numbers to access Mobile Banking Services, which you agree and understand shall remain confidential. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, Compatible Device or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail Bank may, in Bank’s sole and absolute discretion, allow one or more of you, the Master User, and Sub- Users to use adequate internal Security Devices third party technologies that allow access to and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any using one or more fingerprints or other biometric identifiers or personal information stored in or transmitted to Bank by a Compatible Device. You acknowledge that and agree to communicate to the Master User and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree Sub- Users that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict (a) use of such Required Technology. You understand third party technologies and agree that each time you finish your use any such storage of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, biometric identifiers or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted personal information on a Compatible Device by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures.an unauthorized Person may result in Unauthorized Use,

Mobile Banking Services. We You may allow you to access certain of our Online Banking Services through a mobile Device ("Mobile Banking" or smartphone software application "Mobile Banking Services"). To participate in Mobile Banking you must be a customer in good standing, and have access to our Online Banking Service. To enroll in Mobile Services, you must download the mobile banking app from your Device’s app store. You will then be asked to create your Mobile Banking login credentials. In an effort to protect your personal and financial information, we encourage you to always use separate and unique login credentials for Mobile Banking and Online Banking. Mobile Banking is available on phones and mobile devices that are SMS Text Message or other Required TechnologyWeb Browser enabled. We offer the following options to manage your personal banking needs from mobile Devices:  SMS Text Message Banking - text to 98969  Mobile App - available for Apple® and Android® devices ("Mobile App") Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphonevia Mobile Banking. Please note you You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required TechnologyDevice. We may also require you to register each your mobile device, smartphone, or other Required Technology phone number with which you intend to access use Mobile Banking ServicesSMS. As with any other Required Technology, you You are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used Device to access Mobile Banking Services. Additional terms and conditions, which are provided to you when you activate or access Mobile Banking Services, also apply, and you agree to be bound by those additional terms and conditions which are incorporated herein by reference. Our Security Devices security devices and Procedures procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile deviceDevice, smartphoneSmartphone, or other Required Technology technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices security devices and Proceduresprocedures, as required by this Agreement, your use of a mobile deviceDevice, smartphoneSmartphone, or other Required Technology technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devicesDevices, smartphonessmart phones, or other Required Technology technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile deviceDevice, smartphoneSmartphone, or other Required Technology technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technologytechnology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Lawapplicable law, we will not be responsible for your failure to use any of the foregoing Security Devices security devices and Proceduresprocedures. A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time on a Business Day, is generally posted to your accounts the same day. A transfer between your accounts with us, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, will generally be posted on the next Business Day. All other transfers submitted after 5:00 P.M. central time may be processed on the next Business Day. Business Days are Monday through Friday; Saturday, Sunday, and federal banking holidays are not included.

Mobile Banking Services. We You may allow you to access certain of our Online Banking Services through a mobile Device ("Mobile Banking" or smartphone software application "Mobile Banking Services"). To participate in Mobile Banking you must be a customer in good standing, and have access to our Online Banking Service. To enroll in Mobile Services, you must download the mobile banking app from your Device’s app store. You will then be asked to create your Mobile Banking login credentials. In an effort to protect your personal and financial information, we encourage you to always use separate and unique login credentials for Mobile Banking and Online Banking. Mobile Banking is available on phones and mobile devices that are SMS Text Message or other Required TechnologyWeb Browser enabled. We offer the following options to manage your personal banking needs from mobile Devices: • SMS Text Message Banking - text to 98969 • Mobile App - available for Apple® and Android® devices ("Mobile App") Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphonevia Mobile Banking. Please note you You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required TechnologyDevice. We may also require you to register each your mobile device, smartphone, or other Required Technology phone number with which you intend to access use Mobile Banking ServicesSMS. As with any other Required Technology, you You are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used Device to access Mobile Banking Services. Additional terms and conditions, which are provided to you when you activate or access Mobile Banking Services, also apply, and you agree to be bound by those additional terms and conditions which are incorporated herein by reference. Our Security Devices security devices and Procedures procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile deviceDevice, smartphoneSmartphone, or other Required Technology technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices security devices and Proceduresprocedures, as required by this Agreement, your use of a mobile deviceDevice, smartphoneSmartphone, or other Required Technology technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devicesDevices, smartphonessmart phones, or other Required Technology technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile deviceDevice, smartphoneSmartphone, or other Required Technology technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technologytechnology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Lawapplicable law, we will not be responsible for your failure to use any of the foregoing Security Devices security devices and Proceduresprocedures. A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time on a Business Day, is generally posted to your accounts the same day. A transfer between your accounts with us, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, will generally be posted on the next Business Day. All other transfers submitted after 5:00 P.M. central time may be processed on the next Business Day. Business Days are Monday through Friday; Saturday, Sunday, and federal banking holidays are not included.

Mobile Banking Services. We may allow you to access certain of our Online Banking Services through a mobile or smartphone software application or other Required Technology. Certain of our Online Banking Services may be unavailable or limited when you use Online Banking Services with a mobile device or smartphone. Please note you will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile or smartphone software application or other Required Technology. We may also require you to register each mobile device, smartphone, or other Required Technology with which you intend to access Mobile Banking Services. As with any other Required Technology, you are required to comply with the provisions of any and all license agreements regarding your use of any mobile or smartphone software application used to access Mobile Banking Services. Our Security Devices and Procedures may also require you to provide certain account information, login information, or PIN numbers to access Mobile Banking Services. You understand and agree that we cannot control your physical environment to prevent interception of the contents of transmissions to and from your mobile device, smartphone, or other Required Technology in connection with your use of Mobile Banking Services. You understand that if you fail to use adequate internal Security Devices and Procedures, as required by this Agreement, your use of a mobile device, smartphone, or other Required Technology may not be secure. By accessing Online Banking Services through Mobile Banking Services, you assume any and all risk associated with your use of mobile devices, smartphones, or other Required Technology in connection with Online Banking Services, including but not limited to the risk of interception of the contents of your transmissions to and from our systems. You understand and agree that for any mobile device, smartphone, or other Required Technology that you want to use with Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such Required Technology. You understand and agree that each time you finish your use of Mobile Banking Services you are required to completely exit and terminate the software application or any other program you used to access Mobile Banking Services. You also understand and agree that you are required to notify us immediately if any mobile device, smartphone, or other Required Technology used to access Mobile Banking Services is lost or stolen. To the maximum extent permitted by Applicable Law, we will not be responsible for your failure to use any of the foregoing Security Devices and Procedures.