Common use of Mobile Banking Clause in Contracts

Mobile Banking. Mobile Banking is bound within the terms and conditions of this Agreement and, from time to time, we may amend the terms affecting Mobile Banking services and modify or cancel these services altogether, without notice, except as may be required by law. We reserve the right to limit the types and number of accounts and the right to refuse to make any transaction request made through Mobile Banking. We also reserve the right to modify the scope of the service at any time. If you have problems with Mobile Banking, please contact a Customer Service Representative at 218-233- 2544 or 218-483-3361. Valley Premier Bank may modify Mobile Banking services from time to time and add and/or remove certain features at our sole discretion. Any such added Mobile Banking services or features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking services or features are added and/or at the time of enrollment for the services or features, if applicable. In the event of any such modifications, you are responsible for making sure you understand how to use the Mobile Banking services as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking services on your mobile device. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supported on all mobile devices. Valley Premier Bank cannot guarantee and is not responsible for the availability of data services provided by your network carrier, such as data outages, ‘out of range/area’ issues, or if internet access is provided at all. Furthermore, Valley Premier Bank does not make any representation that any content or use of Mobile Banking is available for use in locations outside of the United States and accessing Mobile Banking from locations outside of the United States is at your own discretion. You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service carriers, including but not limited to, your network carrier, and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your network carrier for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your network carrier is responsible for its products and services. Accordingly, you agree to resolve any problems with your carrier directly without involving Valley Premier Bank. Enrollment/Activation. To enroll in Mobile Banking, you must have at least one active Account in good standing. You must have a mobile device with internet access to use with Mobile Banking.

Mobile Banking. By participating in Mobile Banking is bound within Banking, you are agreeing to the terms and conditions presented here. Mobile Banking and any software you may obtain from Mobile Banking ("software") may not be available at any time for any reason outside of this Agreement the reasonable control of Armed Forces Bank or any service provider. Our participating carriers include (but are not limited to) AT&T, Sprint, T-Mobile, U.S. Cellular, Verizon Wireless. You acknowledge that Mobile Banking is dependent upon the availability and quality of the wireless network through which you are accessing Mobile Banking and, from time to timeas a result, we may amend the terms affecting Mobile Banking services and modify or cancel these services altogether, without notice, except as may be required by law. We reserve the right to limit the types and number of accounts and the right to refuse to make any transaction request made through Mobile Banking. We also reserve the right to modify the scope of the service at any time. If you have problems with Mobile Banking, please contact a Customer Service Representative at 218-233- 2544 or 218-483-3361. Valley Premier Bank may modify Mobile Banking services from time to time and add and/or remove certain features at our sole discretion. Any such added Mobile Banking services or features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking services or features are added and/or at the time of enrollment for the services or features, if applicable. In the event of any such modifications, you are responsible for making sure you understand how to use the Mobile Banking services as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking services on your mobile device. Mobile Banking may not be accessible or may have limited utility over some depending upon your choice of wireless network carriers. In addition, the service may not be supported on all mobile devices. Valley Premier Bank cannot guarantee and is not responsible for the availability of data services provided by your network mobile carrier. For example, such as data outages, ‘out a text message may be delayed or may fail to reach your mobile device. We cannot guarantee and are not responsible for the availability or utility of range/area’ issues, or if internet access is provided at all. Furthermore, Valley Premier Bank does not make any representation that any content or use of Mobile Banking is available for use in locations outside of the United States and accessing Mobile Banking from locations outside of the United States is at your own discretionwireless service. You agree that, when may be charged fees by your mobile carrier. When you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated your service carriersproviders, including but not limited to, your network carrier, mobile service provider and that this their Agreement does not amend or supersede replace any of those our agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your network carrier for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your network carrier mobile service provider is responsible for its products and services. Accordingly, you You agree to resolve any problems with your carrier provider directly without involving Valley Premier Bankus. Enrollment/Activation. To enroll in We do not warrant that Mobile Banking will meet your requirements, operate without interruption or be error-free, and we will not be liable for any loss or damage caused by the unavailability or improper functioning of Mobile Banking, or for any actions you must take in reliance on Mobile Banking, including without limitation, service interruption, inaccuracies, delays, or loss of data. As part of our Mobile Banking service, Armed Forces Bank offers access to your account information (to obtain balances and last transactions) over SMS, as well as the option to set up alerts based on certain activity in your accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verifications done by the user receiving an SMS message with a verification code which you will have to enter on the website. Additionally, you may select the type of alerts and other preferences which will determine, together with your account data, the frequency of alerts delivered. This program will be ongoing. Message & data rates may apply. Customers may unenroll at least one active Account in good standingany time. You must may choose to access the Service using an Internet-enabled mobile device. Some function(s) of the Service may not be available through the Web browser. We reserve the right to modify, delete or add services at any time. We may also limit the types and number of accounts eligible for Mobile Banking and may choose not to complete any transaction you request through Mobile Banking. For security purposes, we may also limit the type, frequency and amount of transactions we will permit using Mobile Banking and may change or impose the limits without notice to you. Questions: You can contact us at 0-000-000-0000 or send a text message with the word "HELP" to 392265. We can answer any questions you have about Mobile Banking. To stop messages from coming to your phone, you can opt out of the program via SMS. Just send a text with the word "STOP" to 392265. You will receive a confirmation text message. After that, you will not receive any future messages. PRIVACY AND USER INFORMATION You understand that data transmitted to mobile devices is not encrypted, meaning that others may be able to intercept transmissions of data relating to your Accounts. You agree to take precautions to protect the security and integrity of your Accounts when using Mobile Banking, including but not limited to (a) not leaving your mobile device unattended while logged into Mobile Banking; (b) logging off immediately after using Mobile Banking; (c) not providing your user name, password, or other access information to any unauthorized person. You agree that you are solely responsible for all transactions made with respect to your Accounts by any person you allow to use your mobile device, login information or other means of accessing Mobile Banking. You acknowledge that in connection with your use of Mobile Banking, Armed Forces Bank and its affiliates and service providers may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Armed Forces Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Armed Forces Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions, and any applicable license, but disclaims any obligation to monitor, filter, or edit any content. RESTRICTIONS ON USE You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a mobile device with internet access legal right to use with send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Armed Forces Bank (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Armed Forces Bank or any third-party service provider involved in the provision of Mobile Banking.; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons- related (e.g., firearms or bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic- related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g., racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier;

Mobile Banking. Mobile Banking is bound within the terms and conditions of this Agreement and, from time to time, we may amend the terms affecting Mobile Banking services and modify or cancel these services altogether, without notice, except as may be required by law. We reserve the right to limit the types and number of accounts and the right to refuse to make any transaction request made through Mobile Banking. We also reserve the right to modify the scope of the service at any time. If you have problems with Mobile Banking, please contact a Customer Service Representative at 218-233- 2544 or 218000-483000-33610000. Valley Premier Bank may modify Mobile Banking services from time to time and add and/or remove certain features at our sole discretion. Any such added Mobile Banking services or features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking services or features are added and/or at the time of enrollment for the services or features, if applicable. In the event of any such modifications, you are responsible for making sure you understand how to use the Mobile Banking services as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking services on your mobile device. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supported on all mobile devices. Valley Premier Bank cannot guarantee and is not responsible for the availability of data services provided by your network carrier, such as data outages, ‘out of range/area’ issues, or if internet access is provided at all. Furthermore, Valley Premier Bank does not make any representation that any content or use of Mobile Banking is available for use in locations outside of the United States and accessing Mobile Banking from locations outside of the United States is at your own discretion. You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service carriers, including but not limited to, your network carrier, and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your network carrier for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your network carrier is responsible for its products and services. Accordingly, you agree to resolve any problems with your carrier directly without involving Valley Premier Bank. Enrollment/Activation. To enroll in Mobile Banking, you must have at least one active Account in good standing. You must have a mobile device with internet access to use with Mobile Banking.

Mobile Banking. Mobile Banking is bound within the terms refers generally to any service allowing an existing Bellco member to access and conditions of this Agreement andview any account(s) linked to their Authorized User profile from a cell phone or handheld device (collectively, “mobile device”). The Mobile Banking service allows you to view balances and track recent account activity for your account(s) from your mobile device and receive alerts for which you have subscribed. From time to time, we Bellco may amend the terms affecting develop additional Mobile Banking services. As such services and modify or cancel these services altogetherare developed, without noticeyou will have the opportunity to add them to your Mobile Banking service, except as may be required by law. We reserve the right to limit the types and number of accounts and the right to refuse to make any transaction request made through Mobile Banking. We also reserve the right to modify the scope of the service at any time. If provided you have problems with Mobile Banking, please contact a Customer Service Representative at 218-233- 2544 or 218-483-3361compatible wireless hardware and software. Valley Premier Bank may modify Mobile Banking services from time to time and add and/or remove certain features at our sole discretion. Any such added Mobile Banking services or features will be governed by this Agreement and by any terms and conditions is provided to you at the time the new Mobile Banking services or features are added and/or at the time of enrollment for the services or features, if applicable. In the event of any such modifications, you are responsible for making sure you understand how to use the Mobile Banking services as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking services on your mobile device. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supported on all mobile devices. Valley Premier Bank cannot guarantee and is not responsible for the availability of data services provided by your network carrier, such as data outages, ‘out of range/area’ issues, or if internet access is provided at all. Furthermore, Valley Premier Bank does not make any representation that any content or use of Mobile Banking is available for use in locations outside of the United States and accessing Mobile Banking from locations outside of the United States is at your own discretionBellco Credit Union. You agree that, that when you use Mobile BankingBanking services, you will remain subject to the terms and conditions of your all existing agreements with any unaffiliated service carriers, including but not limited to, your network carrier, and that this Agreement does not amend or supersede any of those agreementsus. You understand may be required to agree to additional terms and conditions on the Bellco mobile banking application installed on your mobile device (the “Bellco App”). If there are any conflicts between the terms and conditions contained herein and those contained in the Bellco App, the terms and conditions in the Bellco App will prevail. You acknowledge that those agreements certain wireless service providers and/or wireless carriers may provide for assess fees, limitations and limitations, and/or restrictions which that might impact your use of Mobile Banking (such as for example, your mobile service carrier or provider may impose data usage or text messaging charges imposed on you by your network carrier for your use of or interaction with Mobile Banking, including downloading the software, receiving or sending data, or other use of your wireless device when using the software or other products and services provided by Mobile Banking), and . You expressly agree that you agree to be solely are responsible for all such fees, limitations limitations, and restrictions, and that we may contact you via your wireless device for any purpose concerning your accounts at Bellco, including account servicing and collection purposes. Bellco may at any time request the following from you in relation to your mobile or Digital Services activities: implementation of alternative risk control mechanisms, or contact authorities when suspicious account activity or member security-related events occur. Access to and use of Mobile Banking is subject to all applicable federal, state, and local laws and regulations. Unauthorized use of Mobile Banking or information accessed via the Mobile Banking service is strictly prohibited. We may discontinue your use of Mobile Banking at any time. Touch ID®, Face ID® and Fingerprint Sign In Authentication, in conjunction with your username, are optional authentication methods offered by Bellco to access Mobile Banking. You can turn this feature on or off by checking or un-checking the “Enable Quick Login” checkbox on the Mobile Banking Login screen. You will also be required to enter a PIN when enrolling for Quick Login. Fingerprints and facial recognition information are stored on your device only. Bellco never sees this information and does not store this information. You acknowledge that by enabling the Quick Login functionality and using the “Remember username” functionality, anyone who has a fingerprint or face data stored on your device will have access to your personal and payment account information on Mobile Banking. Bellco reserves the right to suspend or disable this feature at any time. Touch ID®, Face ID® and Fingerprint Sign In Authentication can only be associated with one Mobile Banking User ID at a time on a device. If you believe someone has gained unauthorized access to your account or your password has been stolen, contact us immediately. As technology progresses, Bellco may offer other access methods for Mobile Banking. You agree that only you will control how individuals access your network carrier mobile device and gain access to Mobile Baking. Anyone that accesses Mobile Banking using your access method will be considered an Authorized User. You represent that you are the legal owner or Authorized User of the account and other financial information, which may be accessed via Mobile Banking. You represent and agree that all information you provide us in connection with Mobile Banking is responsible accurate, current, and complete, and that you have the right to provide such information to us for its products and the purpose of operating Mobile Banking services. AccordinglyYou agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up-to-date, and accurate. Touch IDTM is a Trademark of Apple, Inc. • My Deposit Please refer to the Terms and Condition of the My Deposit Service in Addendum C below. This service is managed by an outside vendor, and the Terms and Conditions in the addendum control. • Internal Funds Transfers You will be allowed to transfer funds between your Bellco Deposit Accounts. • Other Banking Services Bellco will also offer other banking services through its Digital Services. For example, Members will be able to do the following through Digital Services:  View account and transactional information on your Accounts  Open accounts  Order a debit card  Provide us with travel notifications  Renew Certificates of Deposit  Request a wire transfer  Send us messages  Setup a budget For Business Members, Digital Services will also provide additional functionality, such as:  Administration of Authorized Users and Roles  Request Account Sweep Transfers  Update Contact Information As with all Digital Services, you agree to resolve that we can rely on any problems instructions provided or requests made through the Digital Services by Authorized Users and we are not liable for any actions taken in accordance with your carrier directly without involving Valley Premier Bankthese instructions or requests. Enrollment/Activation. To enroll in Mobile Banking• Credit Card Services For Members, if you have a Bellco consumer credit card account, you must have at least one active Account in good standingwill be able to see account and transactional information related to your credit card. This information does not take the place of the periodic statement we provide you. You must have should still review your periodic statement regularly, and notify us of any unauthorized transactions or other issues you may discover on your periodic statements. You will also be able to request a mobile device with internet access Balance Transfer or Cash Advance from your credit card account, and such Cash Advance will be deposited into one of your Bellco transactional Accounts. Any fees related to use with Mobile Bankingyour credit card account, including any fees for a Balance Transfer or Cash Advance, will apply to the transactions conducted through Digital Services.

Mobile Banking. Mobile Banking is bound within the terms refers generally to any service allowing an existing Bellco member to access and conditions of this Agreement andview any account(s) linked to their Authorized User profile from a cell phone or handheld device (collectively, “mobile device”). The Mobile Banking service allows you to view balances and track recent account activity for your account(s) from your mobile device and receive alerts for which you have subscribed. From time to time, we Bellco may amend the terms affecting develop additional Mobile Banking services. As such services and modify or cancel these services altogetherare developed, without noticeyou will have the opportunity to add them to your Mobile Banking service, except as may be required by law. We reserve the right to limit the types and number of accounts and the right to refuse to make any transaction request made through Mobile Banking. We also reserve the right to modify the scope of the service at any time. If provided you have problems with Mobile Banking, please contact a Customer Service Representative at 218-233- 2544 or 218-483-3361compatible wireless hardware and software. Valley Premier Bank may modify Mobile Banking services from time to time and add and/or remove certain features at our sole discretion. Any such added Mobile Banking services or features will be governed by this Agreement and by any terms and conditions is provided to you at the time the new Mobile Banking services or features are added and/or at the time of enrollment for the services or features, if applicable. In the event of any such modifications, you are responsible for making sure you understand how to use the Mobile Banking services as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking services on your mobile device. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supported on all mobile devices. Valley Premier Bank cannot guarantee and is not responsible for the availability of data services provided by your network carrier, such as data outages, ‘out of range/area’ issues, or if internet access is provided at all. Furthermore, Valley Premier Bank does not make any representation that any content or use of Mobile Banking is available for use in locations outside of the United States and accessing Mobile Banking from locations outside of the United States is at your own discretionBellco Credit Union. You agree that, that when you use Mobile BankingBanking services, you will remain subject to the terms and conditions of your all existing agreements with any unaffiliated service carriers, including but not limited to, your network carrier, and that this Agreement does not amend or supersede any of those agreementsus. You understand may be required to agree to additional terms and conditions on the Bellco mobile banking application installed on your mobile device (the “Bellco App”). If there are any conflicts between the terms and conditions contained herein and those contained in the Bellco App, the terms and conditions in the Bellco App will prevail. You acknowledge that those agreements certain wireless service providers and/or wireless carriers may provide for assess fees, limitations and limitations, and/or restrictions which that might impact your use of Mobile Banking (such as for example, your mobile service carrier or provider may impose data usage or text messaging charges imposed on you by your network carrier for your use of or interaction with Mobile Banking, including downloading the software, receiving or sending data, or other use of your wireless device when using the software or other products and services provided by Mobile Banking), and . You expressly agree that you agree to be solely are responsible for all such fees, limitations limitations, and restrictions, and that we may contact you via your wireless device for any purpose concerning your accounts at Bellco, including account servicing and collection purposes. Bellco may at any time request the following from you in relation to your mobile or Digital Services activities: implementation of alternative risk control mechanisms, or contact authorities when suspicious account activity or member security-related events occur. Access to and use of Mobile Banking is subject to all applicable federal, state, and local laws and regulations. Unauthorized use of Mobile Banking or information accessed via the Mobile Banking service is strictly prohibited. We may discontinue your use of Mobile Banking at any time. Touch ID®, Face ID® and Fingerprint Sign In Authentication, in conjunction with your username, are optional authentication methods offered by Bellco to access Mobile Banking. You can turn this feature on or off by checking or un-checking the “Enable Quick Login” checkbox on the Mobile Banking Login screen. You will also be required to enter a PIN when enrolling for Quick Login. Fingerprints and facial recognition information are stored on your device only. Bellco never sees this information and does not store this information. You acknowledge that by enabling the Quick Login functionality and using the “Remember username” functionality, anyone who has a fingerprint or face data stored on your device will have access to your personal and payment account information on Mobile Banking. Bellco reserves the right to suspend or disable this feature at any time. Touch ID®, Face ID® and Fingerprint Sign In Authentication can only be associated with one Mobile Banking User ID at a time on a device. If you believe someone has gained unauthorized access to your account or your password has been stolen, contact us immediately. As technology progresses, Bellco may offer other access methods for Mobile Banking. You agree that only you will control how individuals access your network carrier mobile device and gain access to Mobile Baking. Anyone that accesses Mobile Banking using your access method will be considered an Authorized User. You represent that you are the legal owner or Authorized User of the account and other financial information, which may be accessed via Mobile Banking. You represent and agree that all information you provide us in connection with Mobile Banking is responsible accurate, current, and complete, and that you have the right to provide such information to us for its products and the purpose of operating Mobile Banking services. AccordinglyYou agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up-to-date, and accurate. Touch IDTM is a Trademark of Apple, Inc. • My Deposit Please refer to the Terms and Condition of the My Deposit Service in Addendum C below. This service is managed by an outside vendor, and the Terms and Conditions in the addendum control. • Internal Funds Transfers You will be allowed to transfer funds between your Bellco Deposit Accounts. • Other Banking Services Bellco will also offer other banking services through its Digital Services. For example, Members will be able to do the following through Digital Services: • View account and transactional information on your Accounts • Open accounts • Order a debit card • Provide us with travel notifications • Renew Certificates of Deposit • Request a wire transfer • Send us messages • Setup a budget For Business Members, Digital Services will also provide additional functionality, such as: • Administration of Authorized Users and Roles • Request Account Sweep Transfers • Update Contact Information As with all Digital Services, you agree to resolve that we can rely on any problems instructions provided or requests made through the Digital Services by Authorized Users and we are not liable for any actions taken in accordance with your carrier directly without involving Valley Premier Bankthese instructions or requests. Enrollment/Activation. To enroll in Mobile Banking• Credit Card Services For Members, if you have a Bellco consumer credit card account, you must have at least one active Account in good standingwill be able to see account and transactional information related to your credit card. This information does not take the place of the periodic statement we provide you. You must have should still review your periodic statement regularly, and notify us of any unauthorized transactions or other issues you may discover on your periodic statements. You will also be able to request a mobile device with internet access Balance Transfer or Cash Advance from your credit card account, and such Cash Advance will be deposited into one of your Bellco transactional Accounts. Any fees related to use with Mobile Bankingyour credit card account, including any fees for a Balance Transfer or Cash Advance, will apply to the transactions conducted through Digital Services. • Zelle and Other Payment Services Please refer to the Terms and Condition of the Zelle and Other Payment Services in Addendum E below. This service is managed by an outside vendor, and the Terms and Conditions in the addendum control.

Mobile Banking. Mobile Banking is bound within the terms refers generally to any service allowing an existing Bellco member to access and conditions of this Agreement andview any account(s) linked to their Authorized User profile from a cell phone or handheld device (collectively, "mobile device"). The Mobile Banking service allows you to view balances and track recent account activity for your account(s) from your mobile device and receive alerts for which you have subscribed. From time to time, we Bellco may amend the terms affecting develop additional Mobile Banking services. As such services and modify or cancel these services altogetherare developed, without noticeyou will have the opportunity to add them to your Mobile Banking service, except as may be required by law. We reserve the right to limit the types and number of accounts and the right to refuse to make any transaction request made through Mobile Banking. We also reserve the right to modify the scope of the service at any time. If provided you have problems with Mobile Banking, please contact a Customer Service Representative at 218-233- 2544 or 218-483-3361compatible wireless hardware and software. Valley Premier Bank may modify Mobile Banking services from time to time and add and/or remove certain features at our sole discretion. Any such added Mobile Banking services or features will be governed by this Agreement and by any terms and conditions is provided to you at the time the new Mobile Banking services or features are added and/or at the time of enrollment for the services or features, if applicable. In the event of any such modifications, you are responsible for making sure you understand how to use the Mobile Banking services as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Mobile Banking services on your mobile device. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supported on all mobile devices. Valley Premier Bank cannot guarantee and is not responsible for the availability of data services provided by your network carrier, such as data outages, ‘out of range/area’ issues, or if internet access is provided at all. Furthermore, Valley Premier Bank does not make any representation that any content or use of Mobile Banking is available for use in locations outside of the United States and accessing Mobile Banking from locations outside of the United States is at your own discretionBellco Credit Union. You agree that, that when you use Mobile BankingBanking services, you will remain subject to the terms and conditions of your all existing agreements with any unaffiliated service carriers, including but not limited to, your network carrier, and that this Agreement does not amend or supersede any of those agreementsus. You understand may be required to agree to additional terms and conditions on the Bellco mobile banking application installed on your mobile device (the "Bellco App"). If there are any conflicts between the terms and conditions contained herein and those contained in the Bellco App, the terms and conditions in the Bellco App will prevail. You acknowledge that those agreements certain wireless service providers and/or wireless carriers may provide for assess fees, limitations and limitations, and/or restrictions which that might impact your use of Mobile Banking (such as for example, your mobile service carrier or provider may impose data usage or text messaging charges imposed on you by your network carrier for your use of or interaction with Mobile Banking, including downloading the software, receiving or sending data, or other use of your wireless device when using the software or other products and services provided by Mobile Banking), and . You expressly agree that you agree to be solely are responsible for all such fees, limitations limitations, and restrictions, and that we may contact you via your wireless device for any purpose concerning your accounts at Bellco, including account servicing and collection purposes. Bellco may at any time request the following from you in relation to your mobile or Digital Services activities: implementation of alternative risk control mechanisms, or contact authorities when suspicious account activity or member security-related events occur. Access to and use of Mobile Banking is subject to all applicable federal, state, and local laws and regulations. Unauthorized use of Mobile Banking or information accessed via the Mobile Banking service is strictly prohibited. We may discontinue your use of Mobile Banking at any time Touch ID™ and Fingerprint Sign In Authentication are optional authentication methods offered by Bellco to access Mobile Banking. You can turn this feature on or off by checking or un-checking the "Enable Touch ID" or "Enable Fingerprint Sign In" check box on the Settings screen. Fingerprints are stored on your device only. Bellco never sees your fingerprint information and does not store this fingerprint information. You acknowledge that by enabling Touch ID or Fingerprint Sign In, anyone who has a fingerprint stored on your device will have access to your personal and payment account information on Mobile Banking. Bellco reserves the right to suspend or disable this feature at any time. Touch ID and Fingerprint Sign In can only be associated with one Mobile Banking User ID at a time on a device. If you believe someone has gained unauthorized access to your account or your password has been stolen, contact us immediately. As technology progresses, Bellco may offer other access methods for Mobile Banking (e.g., facial recognition). You agree that only you will control how individuals access your network carrier mobile device and gain access to Mobile Baking. Anyone that accesses Mobile Banking using your access method will be considered an Authorized User. You represent that you are the legal owner or Authorized User of the account and other financial information, which may be accessed via Mobile Banking. You represent and agree that all information you provide us in connection with Mobile Banking is responsible accurate, current, and complete, and that you have the right to provide such information to us for its products and the purpose of operating Mobile Banking services. Accordingly, you You agree not to misrepresent your identity or your account information. You agree to resolve any problems with keep your carrier directly without involving Valley Premier Bankaccount information confidential, up-to-date, and accurate. Enrollment/Activation. To enroll in Mobile BankingTouch ID™ is a Trademark of Apple, you must have at least one active Account in good standing. You must have a mobile device with internet access to use with Mobile Banking.Inc.