Common use of Mobile Banking Services Clause in Contracts

Mobile Banking Services. A. Mobile Banking is offered as a convenience and supplemental service to our Electronic Banking Services available through Online Banking. Many services that are described in this Agreement or available through the Online Banking website will be available with Mobile Banking. Such services will be subject to the same terms and limitations described in your Account Documentation. However, not all Electronic Banking Services are available through Mobile Banking. You may determine which Mobile Banking services are available for Mobile Devices at any time by logging into Mobile Banking. The most up-to-date list of services that you may be able to access through Mobile Banking will also be posted on the Online Banking website. B. Once you enroll for Mobile Banking, designated Eligible Accounts and payees (or billers) enrolled for Online Banking will also be accessible through Mobile Banking. Mobile Banking services (e.g., viewing balances, searching for transactions, viewing transactions, internal transfers, SMS text alerts and banking, and the Mobile Deposit service), may be added, reduced or modified by us from time to time without prior notice except as required by law. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. We may also modify, reduce or expand the geographic areas in which we offer Mobile Banking or any of its functions or services. We reserve the right to refuse to make any transaction you request through Mobile Banking. C. Subject to the terms and conditions of this Agreement and other Account Documentation, you may also use Mobile Banking to make mobile deposits of checks to your qualifying Eligible Accounts using our Mobile Deposit Service. To activate the Mobile Deposit Service, you must separately enroll for this service through Mobile Banking. This service is subject to additional terms and conditions, and your use of such service will constitute your acceptance to these additional terms and conditions. For additional information about this service, please click on the link for the Mobile Deposit Service available through Mobile Banking. D. We do not guarantee functionality of Mobile Banking (or any specific Software that we provide with respect to Mobile Banking) on all Mobile Devices, on all communication networks, in all geographic regions, or at all times. We may elect to discontinue Mobile Banking (or any of the services that we provide, from time to time, through Mobile Banking) at any time. If we choose to discontinue Mobile Banking, we will provide you with reasonable notice. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk.

Mobile Banking Services. A. Mobile Banking is offered as a convenience and supplemental service to our Electronic Banking Services available through Online Banking. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts with us. Many services that are described in this Agreement or available through the Online Banking website will be available with Mobile Banking. Such services will be subject to the same terms and limitations described in your Account Documentation. However, not all Electronic Banking Services are available through Mobile Banking. You may determine which Mobile Banking services are available for Mobile Devices at any time by logging into Mobile Banking. The most up-to-date list of services that you may be able to access through Mobile Banking will also be posted on the Online Banking website. B. Once you enroll for Mobile Banking, designated Eligible Accounts and payees (or billers) enrolled for accessible through Online Banking will also be accessible through Mobile Banking. Mobile Banking services (e.g., viewing balances, searching for transactions, viewing transactions, internal transfers, SMS text alerts and banking, and the Mobile Remote Deposit service), may be added, reduced or modified by us from time to time without prior notice except as required by law. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. We may also modify, reduce or expand the geographic areas in which we offer Mobile Banking or any of its functions or services. We reserve the right to refuse to make any transaction you request through Mobile Banking. C. Subject to the terms and conditions of this Agreement and other Account Documentation, you may also use Mobile Banking to make mobile deposits of checks to your qualifying Eligible Accounts using our Mobile Remote Deposit Serviceservice. To activate the Mobile Remote Deposit Serviceservice, you must separately enroll for this each service through Mobile Banking. This service is subject to additional terms and conditions, and your use of such service will constitute your acceptance to these additional terms and conditions. For additional information about this service, please click on the link for the Mobile Remote Deposit Service service available through Mobile Banking. D. We do not guarantee functionality of Mobile Banking (or any specific Software that we provide with respect to Mobile Banking) on all Mobile Devices, on all communication networks, in all geographic regions, or at all times. We may elect to discontinue Mobile Banking (or any of the services that we provide, from time to time, through Mobile Banking) at any time. If we choose to discontinue Mobile Banking, we will provide you with reasonable notice. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk.

Mobile Banking Services. A. Mobile Banking is a financial information management service that allows you to access account information and make financial transactions as offered as a convenience using compatible and supplemental service supported mobile phones and/or other compatible and supported wireless devices (including phones, “Wireless Devices”). We reserve the right to our Electronic Banking Services available through Online Banking. Many services that are described in this Agreement or available through modify the Online Banking website will be available with Mobile Banking. Such services will be subject to scope of the same terms and limitations described in your Account Documentation. However, not all Electronic Banking Services are available through Mobile Banking. You may determine which Mobile Banking services are available for Mobile Devices at any time by logging into Mobile Banking. The most up-to-date list of services that you may be able to access through Mobile Banking will also be posted on the Online Banking website. B. Once you enroll for Mobile Banking, designated Eligible Accounts and payees (or billers) enrolled for Online Banking will also be accessible through Mobile Banking. Mobile Banking services (e.g., viewing balances, searching for transactions, viewing transactions, internal transfers, SMS text alerts and banking, and the Mobile Deposit service), may be added, reduced or modified by us from time to time without prior notice except as required by law. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. We may also modify, reduce or expand the geographic areas in which we offer Mobile Banking or any of its functions or servicestime. We reserve the right to refuse to make any transaction you request through Mobile Banking. C. Subject to the terms . You agree and conditions understand that Mobile Banking may not be accessible or may have limited utility over some mobile telephone networks, such as while roaming. The most up-to-date list of this Agreement and other Account Documentation, services which you may also be able to access through Mobile Banking is posted on the Mobile Banking page on our website at ▇▇▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇. When you register for Mobile Banking, designated accounts and payees (or billers) linked to your account through Online Banking will be accessible through the Mobile Banking service. Mobile Banking will not work unless you use it properly. You accept responsibility for making sure that you understand how to use Mobile Banking before you actually do so, and you use Mobile Banking in accordance with the online instructions posted on our website. You also accept responsibility for making sure that you know how to make mobile deposits of checks properly use your wireless device and the Mobile Banking software (“Software”) required to your qualifying Eligible Accounts using our Mobile Deposit use the Service. To activate The Software is provided by a service provider not affiliated with the Credit Union and you are solely responsible for entering a license agreement to use the software. We will not be liable to you for any losses caused by your failure to properly use the Mobile Deposit ServiceBanking service, you must separately enroll the Software or your wireless device. You may experience technical or other difficulties related to the Mobile Banking service that may result in loss of data, personalization settings or other Mobile Access service interruptions. We assume no responsibility for this service through Mobile Banking. This service is subject the timeliness, deletion, misdelivery or failure to additional terms and conditionsstore any user data, and communications or personalization settings in connection with your use of such service will constitute your acceptance the Mobile Banking service. We assume no responsibility for the operation, security, or functionality of any wireless device or mobile network which you utilize to these additional terms and conditionsaccess the Mobile Banking service. For additional Financial information about this service, please click shown on the link for Mobile Banking service reflects the most recent account information available through the Mobile Deposit Service available through Mobile Banking. D. We do not guarantee functionality of Mobile Banking (or any specific Software service. You agree that we provide with respect to Mobile Banking) on all Mobile Devices, on all communication networks, will not be liable for any delays in all geographic regionsthe content, or at all times. We may elect to discontinue Mobile Banking (or for any of the services that we provide, from time to time, through Mobile Banking) at any timeactions you take in reliance thereon. If we choose you need current account information you agree to discontinue Mobile Banking, we will provide you with reasonable notice. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own riskcontact us directly.

Mobile Banking Services. A. You may use this service to access your accounts on a mobile device. By using Mobile Banking to access an account you are agreeing to the terms of this Agreement which supplements the Account Agreements and Disclosures provided at the time of Account opening as well as your Online Banking Agreement. You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile Banking. We may amend the terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law. We reserve the right at all times to protect our systems and information, including denial of access to users of Services. Other Agreements: First National Bank does not charge a fee for Mobile Banking services; however, standard data rates from your mobile service provider may still apply. You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. Description of Service: Mobile Banking is offered as a convenience and supplemental service to our Electronic Online Banking Services available services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your First National Bank account(s) via your mobile device and perform the following actions: • Check your balances • Transaction history • Transfer funds between eligible First National Bank Accounts • ▇▇▇▇ Pay • Remote Deposit Anywhere To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then register your mobile device within the Online Banking system. To utilize the ▇▇▇▇ Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Many services that are described in this Agreement or available Any modifications to your ▇▇▇▇ Pay will also have to be done through the your regular Online Banking website will be available with Mobile Banking. Such services will be subject to Use of the same terms Remote Deposit Anywhere service is not enabled until you accept the separate “Remote Deposit Anywhere Service Agreement and limitations described in your Account Documentation. However, not all Electronic Banking Services are available through Mobile Banking. You may determine which Mobile Banking services are available for Mobile Devices at any time by logging into Mobile Banking. The most up-to-date list of services that you may be able to access through Mobile Banking will also be posted on the Online Banking website. B. Once you enroll for Mobile Banking, designated Eligible Accounts and payees (or billers) enrolled for Online Banking will also be accessible through Mobile Banking. Mobile Banking services (e.g., viewing balances, searching for transactions, viewing transactions, internal transfers, SMS text alerts and banking, and the Mobile Deposit service), may be added, reduced or modified by us from time to time without prior notice except as required by law. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. We may also modify, reduce or expand the geographic areas in which we offer Mobile Banking or any of its functions or servicesDisclosure”. We reserve the right to refuse to make any transaction you request through Mobile Banking. C. Subject to limit the terms types and conditions number of this Agreement and other Account Documentation, you may also use Mobile Banking to make accounts eligible for mobile deposits of checks to your qualifying Eligible Accounts using our Mobile Deposit Service. To activate the Mobile Deposit Service, you must separately enroll for this service through Mobile Banking. This service is subject to additional terms and conditions, and your use of such service will constitute your acceptance to these additional terms and conditions. For additional information about this service, please click on the link for the Mobile Deposit Service available through Mobile Banking. D. We do not guarantee functionality of Mobile Banking (or any specific Software that we provide with respect to Mobile Banking) on all Mobile Devices, on all communication networks, in all geographic regions, or at all timesbanking. We may elect also reserve the right to discontinue Mobile Banking (or any modify the scope of the services that we provide, from time to time, through Mobile Banking) Service at any time. If we choose to discontinue Mobile BankingBanking may not be accessible or may have limited utility over some network carriers. In addition, we will provide you with reasonable noticethe Service may not be supportable for all Devices. First National Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues. We make no representation representations that any content or use of Mobile Banking is will be available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Transfers from savings or money market accounts using Mobile Banking are counted as one of the six permitted transfers during each monthly statement period, as describe in the Account Agreement and Disclosures. You may be subject to fee or account conversion if transactions are exceeded on your account using Mobile Banking or any other form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking is accessible 24-hours per day, seven days a week; however, First National Bank does not guarantee that Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the mobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, Sundays, and Federal Holidays. A transfer initiated before 2:00p.m. CST on business days are posted to your account the same day. A transfer completed after 2:00p.m. CST will be made available to you, but will not be posted to your account until the next business day as specified above.

Mobile Banking Services. A. Mobile Banking is offered as a convenience and supplemental service to our Electronic Banking Services available through Online Banking. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts with us. Many services that are described in this Agreement or available through the Online Banking website will be available with Mobile Banking. Such services will be subject to the same terms and limitations described in your Account Documentation. However, not all Electronic Banking Services are available through Mobile Banking. You may determine which Mobile Banking services are available for Mobile Devices at any time by logging into Mobile Banking. The most up-to-to- date list of services that you may be able to access through Mobile Banking will also be posted on the Online Banking website. B. Once you enroll for Mobile Banking, designated Eligible Accounts and payees (or billers) enrolled for accessible through Online Banking will also be accessible through Mobile Banking. Mobile Banking services (e.g., viewing balances, searching for transactions, viewing transactions, internal transfers, SMS text alerts and banking, and the Mobile Remote Deposit service), may be added, reduced or modified by us from time to time without prior notice except as required by law. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. We may also modify, reduce or expand the geographic areas in which we offer Mobile Banking or any of its functions or services. We reserve the right to refuse to make any transaction you request through Mobile Banking. C. Subject to the terms and conditions of this Agreement and other Account Documentation, you may also use Mobile Banking to make mobile deposits of checks to your qualifying Eligible Accounts using our Mobile Remote Deposit Serviceservice. To activate the Mobile Remote Deposit Serviceservice, you must separately enroll for this each service through Mobile Banking. This service is subject to additional terms and conditions, and your use of such service will constitute your acceptance to these additional terms and conditions. For additional information about this service, please click on the link for the Mobile Remote Deposit Service service available through Mobile Banking. D. We do not guarantee functionality of Mobile Banking (or any specific Software that we provide with respect to Mobile Banking) on all Mobile Devices, on all communication networks, in all geographic regions, or at all times. We may elect to discontinue Mobile Banking (or any of the services that we provide, from time to time, through Mobile Banking) at any time. If we choose to discontinue Mobile Banking, we will provide you with reasonable notice. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk.

Mobile Banking Services. A. You may use this service to access your accounts on a mobile device. By using Mobile Banking to access an account you are agreeing to the terms of this Agreement which supplements the Account Agreements and Disclosures provided at the time of Account opening as well as your Online Banking Agreement. You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile Banking. We may amend the terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law. We reserve the right at all times to protect our systems and information, including denial of access to users of Services. Other Agreements: First National Bank does not charge a fee for Mobile Banking services; however, standard data rates from your mobile service provider may still apply. You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. Description of Service: Mobile Banking is offered as a convenience and supplemental service to our Electronic Online Banking Services available services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your First National Bank account(s) via your mobile device and perform the following actions: • Check your balances • Transaction history • Transfer funds between eligible First National Bank Accounts • ▇▇▇▇ Pay To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then register your mobile device within the Online Banking system. To utilize the ▇▇▇▇ Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Many services that are described in this Agreement or available through the Online Banking website will be available with Mobile Banking. Such services will be subject Any modifications to the same terms and limitations described in your Account Documentation. However, not all Electronic Banking Services are available through Mobile Banking. You may determine which Mobile Banking services are available for Mobile Devices at any time by logging into Mobile Banking. The most up-to-date list of services that you may be able to access through Mobile Banking ▇▇▇▇ Pay will also be posted on the Online Banking website. B. Once you enroll for Mobile Banking, designated Eligible Accounts and payees (or billers) enrolled for Online Banking will also be accessible through Mobile Banking. Mobile Banking services (e.g., viewing balances, searching for transactions, viewing transactions, internal transfers, SMS text alerts and banking, and the Mobile Deposit service), may be added, reduced or modified by us from time to time without prior notice except as required by law. By using these services when they become available, you agree have to be bound by the rules that will be made available to you concerning these services. We may also modify, reduce or expand the geographic areas in which we offer Mobile Banking or any of its functions or servicesdone through your regular Online Banking. We reserve the right to refuse to make any transaction you request through Mobile Banking. C. Subject to limit the terms types and conditions number of this Agreement and other Account Documentation, you may also use Mobile Banking to make accounts eligible for mobile deposits of checks to your qualifying Eligible Accounts using our Mobile Deposit Service. To activate the Mobile Deposit Service, you must separately enroll for this service through Mobile Banking. This service is subject to additional terms and conditions, and your use of such service will constitute your acceptance to these additional terms and conditions. For additional information about this service, please click on the link for the Mobile Deposit Service available through Mobile Banking. D. We do not guarantee functionality of Mobile Banking (or any specific Software that we provide with respect to Mobile Banking) on all Mobile Devices, on all communication networks, in all geographic regions, or at all timesbanking. We may elect also reserve the right to discontinue Mobile Banking (or any modify the scope of the services that we provide, from time to time, through Mobile Banking) Service at any time. If we choose to discontinue Mobile BankingBanking may not be accessible or may have limited utility over some network carriers. In addition, we will provide you with reasonable noticethe Service may not be supportable for all Devices. First National Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues. We make no representation representations that any content or use of Mobile Banking is will be available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Transfers from savings or money market accounts using Mobile Banking are counted as one of the six permitted transfers during each monthly statement period, as describe in the Account Agreement and Disclosures. You may be subject to fee or account conversion if transactions are exceeded on your account using Mobile Banking or any other form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking is accessible 24-hours per day, seven days a week; however, First National Bank does not guarantee that Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the mobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, Sundays, and Federal Holidays. A transfer initiated before 2:00p.m. CST on business days are posted to your account the same day. A transfer completed after 2:00p.m. CST will be made available to you, but will not be posted to your account until the next business day as specified above.