Common use of Mobile Banking Services Clause in Contracts

Mobile Banking Services. You may access certain Online Banking Services through a mobile Device ("Mobile Banking" or "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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 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 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 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, smart phones, or other 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 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 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. 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. 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. You may access certain Your enrollment in our Online Banking Services may include access to products and services through a mobile Device device ("“Mobile Banking" or "Services”), such as compatible smart phones and tablets. Mobile Banking Services")Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a downloadable application. To participate in Mobile Banking you must be a customer in good standing, and have access to By using 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 agree 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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 any additional terms and conditions which applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are incorporated herein by referencethe owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. Our security devices and procedures may also require you You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account informationor otherwise related to Mobile Services. Additionally, login informationyou agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or PIN numbers to access Mobile Banking Servicesother delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree that we cancertain services may not control be encrypted and may include confidential information about you such as your physical environment account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to prevent interception your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the contents of transmissions to and from your mobile Deviceproducts, Smartphone, services or other technology functionality described in connection with your use of this Agreement is available through Mobile Banking Services. You understand that if Therefore, you fail may not be eligible to use adequate internal security devices all the products, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Services, including balance, transfer and procedurespayment information, as required by this Agreement, your may differ from the information that is available directly through the online banking website without the use of a mobile Device, Smartphone, or other technology device. Information available directly through the online banking website without the use of a mobile device may not be secure. By accessing Online Banking Services through available via the Mobile Banking Services, you assume any and all risk associated with your use of mobile Devices, smart phonesmay be described using different terminology (including capitalized terms used in this Agreement or on our online banking website), or other technology in connection with Online Banking may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the risk Mobile Services may also differ from the method of interception of entering instructions directly through our online website without the contents of your transmissions to and from our systems. You understand and agree that for any mobile Device, Smartphone, or other 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 a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such technology. You understand and agree that each time you finish differences, whether or not attributable to your use of the 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. To the maximum extent permitted Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by applicable law, we will not be and payable to your wireless provider. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to use comply with any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the foregoing security devices United States. If you are using Mobile Services outside of the United States, you are responsible for having access to the appropriate wireless and/or telecommunications networks and procedures. 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, responsible for all associated fees and federal banking holidays are not includedcharges.

Mobile Banking Services. You may use this service to access certain 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 Services through a mobile Device ("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"). To participate in 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 must be 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 customer in good standing, convenience and have access supplemental service to our Online Banking 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 • Bill Pay To utilize the Mobile 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 enrolled 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 Online Banking and then register your mobile device within the Online Banking system. To utilize the Bill Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Mobile Banking is available on phones and mobile devices that are SMS Text Message or Web Browser enabledAny modifications to your Bill Pay will also have to be done through your regular Online Banking. We offer reserve the following options right to manage your personal banking needs from limit the types and number of accounts eligible for mobile Devices: • SMS Text Message Banking - text to 98969 • Mobile App - available for Apple® and Android® devices ("Mobile App") Certain Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Devicebanking. We may also require you reserve the right to register your mobile phone number with which you intend to use Mobile SMSmodify the scope of the Service at any time. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 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 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 technology may not be secureaccessible or may have limited utility over some network carriers. By accessing Online Banking Services through In addition, the 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 representations that Mobile Banking Services, you assume any and all risk associated with your will be available for use of mobile Devices, smart phones, or other technology in connection with Online Banking Services, including but not limited to the risk of interception locations outside of the contents United States. Accessing Mobile Banking from locations outside of the United States is at your transmissions 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 from our systemsDisclosures. You understand and agree that for any mobile Device, Smartphone, may be subject to fee or other technology that you want to use with account conversion if transactions are exceeded on your account using Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such 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 form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking Servicesis 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. To Occasionally, due to system maintenance or reasons beyond our control, the maximum extent permitted by applicable lawmobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, we will not be responsible for your failure to use any of the foregoing security devices Sundays, and proceduresFederal Holidays. A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time 2:00p.m. CST on a Business Day, is generally business days are posted to your accounts account the same day. A transfer between your accounts with uscompleted after 2:00p.m. CST will be made available to you, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, but will generally not be posted on to your account until 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 includedbusiness day as specified above.

Mobile Banking Services. You may use this service to access certain 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 Services through a mobile Device ("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"). To participate in 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 must be 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 customer in good standing, convenience and have access supplemental service to our Online Banking 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 • Xxxx Pay • Remote Deposit Anywhere To utilize the Mobile 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 enrolled 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 Online Banking and then register your mobile device within the Online Banking system. To utilize the Xxxx Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Mobile Banking Any modifications to your Xxxx Pay will also have to be done through your regular Online Banking. Use of the Remote Deposit Anywhere service is available on phones not enabled until you accept the separate “Remote Deposit Anywhere Service Agreement and mobile devices that are SMS Text Message or Web Browser enabledDisclosure”. We offer reserve the following options right to manage your personal banking needs from limit the types and number of accounts eligible for mobile Devices: • SMS Text Message Banking - text to 98969 • Mobile App - available for Apple® and Android® devices ("Mobile App") Certain Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Devicebanking. We may also require you reserve the right to register your mobile phone number with which you intend to use Mobile SMSmodify the scope of the Service at any time. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 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 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 technology may not be secureaccessible or may have limited utility over some network carriers. By accessing Online Banking Services through In addition, the 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 representations that Mobile Banking Services, you assume any and all risk associated with your will be available for use of mobile Devices, smart phones, or other technology in connection with Online Banking Services, including but not limited to the risk of interception locations outside of the contents United States. Accessing Mobile Banking from locations outside of the United States is at your transmissions 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 from our systemsDisclosures. You understand and agree that for any mobile Device, Smartphone, may be subject to fee or other technology that you want to use with account conversion if transactions are exceeded on your account using Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such 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 form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking Servicesis 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. To Occasionally, due to system maintenance or reasons beyond our control, the maximum extent permitted by applicable lawmobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, we will not be responsible for your failure to use any of the foregoing security devices Sundays, and proceduresFederal Holidays. A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time 2:00p.m. CST on a Business Day, is generally business days are posted to your accounts account the same day. A transfer between your accounts with uscompleted after 2:00p.m. CST will be made available to you, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, but will generally not be posted on to your account until 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 includedbusiness day as specified above.

Mobile Banking Services. You may access understand that Mobile Banking Services allows you to conduct certain Online Banking Services through a mobile Device ("Mobile Banking" or "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 via your Mobile Banking login credentialsDevice. In an effort to protect your personal and financial informationBank, 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 Web 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 in its sole discretion, shall decide what Online Banking Services may be unavailable or limited are offered via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile Device to access Mobile Banking Services. Additional terms and conditions, which are provided To obtain further details regarding Mobile Banking Services you must visit xxx.xxxxxx.xxx. You understand that to enroll in Mobile Banking Services you when must complete the entire registration process as outlined at xxx.xxxxxx.xxx. You must promptly notify Bank in the event you activate or access want to change your registered Mobile Device. By enrolling in the Mobile Banking Services, you expressly consent to Bank sending communications to your Mobile Device for purposes of delivering Mobile Banking Services. All communications from Bank to you and from you to Bank are not confidential and are deemed the Bank’s property. You also applyexpressly agree that Bank may provide you with information, offers, advertisements, links or other materials maintained or offered by third parties in accordance with applicable law and Bank’s Privacy Policy, and you agree to be bound by those additional terms and conditions which are incorporated herein by referencereceive such communications even if your Mobile Device is registered on any federal or state do-not-call registry. Our security devices and procedures may also require you to provide certain account Bank does not control or endorse in any way information, login informationproducts or services maintained by such third parties, or PIN numbers and you use such third party services at your own risk. You also understand that by using third party services (including linking to third party websites) you are subject to the third party’s privacy policy which may differ from Bank’s Privacy Policy, and that you are responsible for reviewing the privacy policies of the third party. If you use any location-based Mobile Banking Services you agree that your geographic location and other personal information may be accessed and disclosed via such services. You understand that if you choose to enroll in Bank’s optional Mobile Banking Services that you must have a Mobile Device with the ability to access the Internet via a web browser and SMS text message functionality, as well as other compatible wireless hardware and software necessary to operate such Mobile Device. You understand you must have a Mobile Device service plan with a suitable Mobile Device service provider of your choice, and that your Mobile Device service (including Internet connection) is not part of Bank’s Mobile Banking Services. You understand are responsible for acquiring, maintaining and agree that we cannot control operating your physical environment to prevent interception of the contents of transmissions to Mobile Device and for all associated costs, expenses and fees you incur from your mobile Device, Smartphone, service provider or other technology any third parties in connection with using your use of Mobile Device for Mobile Banking Services. You understand that if you fail to use adequate internal security devices Bank is not responsible for any errors or failures of your Mobile Device or its software and procedures, as required by this Agreement, your is not responsible for any viruses or related problems that may be associated with the use of a mobile Device, Smartphone, or other technology may not be secure. By accessing Online Banking Services through the Mobile Banking Services, you assume any and all risk associated with your use of mobile Devices, smart phones, or other 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 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 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. 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. 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. You may access understand that Mobile Banking Services allows you to conduct certain Online Banking Services through a mobile Device ("via your Mobile Banking" or "Device. Bank, in its sole discretion, shall decide what OB Services are offered via Mobile Banking Services"). To participate in obtain further details regarding Mobile Banking Services you must visit the Bank’s OB website. Mobile Banking Services will be a customer accessible after you have enrolled in good standingOnline Banking Services. Bank does not control or endorse in any way information, products or services maintained by such third parties, and have you use such third-party services at your own risk. You also understand that by using third party services (including linking to third party websites) you are subject to the third party’s privacy policy which may differ from Bank’s Privacy Policy, and that you are responsible for reviewing the privacy policies of the third party. If you use any location-based Mobile Banking Services you agree that your geographic location and other personal information may be accessed and disclosed via such services. Bank reserves the right to add, withdraw, or make unavailable any Mobile Banking Services with or without notice to you. Bank retains the ability to either approve or deny your use of Mobile Banking Services, including the mobile deposit capture service, in Bank’s sole and absolute discretion. All communications from Bank to you and from you to Bank are not confidential and are deemed the Bank’s property. You understand that, to access to our Online and use Mobile Banking Service. To enroll in Mobile Services, you must download have a Mobile Device with the mobile banking app from your Device’s app store. You will then be asked ability to create your Mobile Banking login credentials. In an effort to protect your personal access the Internet via a web browser and financial informationSMS text message functionality, 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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum as well as other compatible wireless hardware and software compatibility requirements established by any software vendor in connection with any necessary to operate such mobile Mobile Device. We may also require You understand you to register must have a Mobile Device service plan with a suitable Mobile Device service provider of your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile Device to access Mobile Banking Services. Additional terms and conditions, which are provided to you when you activate or access Mobile Banking Services, also applychoice, and you agree to be bound by those additional terms and conditions which are incorporated herein by reference. Our security devices and procedures may also require you to provide certain account information, login information, or PIN numbers to access that your Mobile Device service (including Internet connection) is not part of Bank’s Mobile Banking Services. You understand are responsible for acquiring, maintaining and agree that we cannot control operating your physical environment to prevent interception of the contents of transmissions to Mobile Device and for all associated costs, expenses and fees you incur from your mobile Device, Smartphone, service provider or other technology any third parties in connection with using your use of Mobile Device for Mobile Banking Services. You understand that if you fail to use adequate internal security devices Bank is not responsible for any errors or failures of your Mobile Device or its software and procedures, as required by this Agreement, your is not responsible for any viruses or related problems that may be associated with the use of a mobile Device, Smartphone, or other technology may not be secure. By accessing Online Banking Services through the Mobile Banking Services, you assume any and all risk associated with your use of mobile Devices, smart phones, or other 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 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 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. 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. 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. You may access certain Your enrollment in our Online Banking Services may include access to products and services through a mobile Device device ("Mobile Banking" or "Mobile Banking Services"), such as compatible smart phones and tablets. To participate in Mobile Banking you must be Services may include without limitation, short message service (SMS) text messaging, mobile web banking, mobile check deposit and banking initiated by means of a customer in good standing, and have access to downloadable application. By using 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 agree 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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 any additional terms and conditions which applicable to specific Mobile Services, such as SMS test messaging, mobile check deposit and the downloadable mobile application. You agree that we may send you information relative to Mobile Services through your wireless provider in order to deliver them to you and that your wireless provider is acting as your agent in this capacity. You represent that you are incorporated herein by referencethe owner, or authorized user of the mobile device you use to receive the Mobile Services, and that you are authorized to approve the applicable charges. Our security devices and procedures may also require you You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account informationor otherwise related to Mobile Services. Additionally, login informationyou agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys‘ fees) arising from your provision of a phone number, e-mail address, or PIN numbers to access Mobile Banking Servicesother delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under the preceding sentence shall survive termination of the Agreement. You understand and agree that we cancertain services may not control be encrypted and may include confidential information about you such as your physical environment account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to prevent interception your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. Additionally, not all of the contents of transmissions to and from your mobile Deviceproducts, Smartphone, services or other technology functionality described in connection with your use of this Agreement is available through Mobile Banking Services. You understand that if Therefore, you fail may not be eligible to use adequate internal security devices all the products, services or functionality described when you access or try to access them using a mobile device. Functionality may also vary based on the mobile device you use. Information available via the Mobile Services, including balance, transfer and procedurespayment information, as required by this Agreement, your may differ from the information that is available directly through the online banking website without the use of a mobile Device, Smartphone, or other technology device. Information available directly through the online banking website without the use of a mobile device may not be secure. By accessing Online Banking Services through available via the Mobile Banking Services, you assume any and all risk associated with your use of mobile Devices, smart phonesmay be described using different terminology (including capitalized terms used in this Agreement or on our online banking website), or other technology in connection with Online Banking may be more current than the information available via the Mobile Services, including but not limited to account balance information. The method of entering instructions via the risk Mobile Services may also differ from the method of interception of entering instructions directly through our online website without the contents of your transmissions to and from our systems. You understand and agree that for any mobile Device, Smartphone, or other 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 a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Services. We are not responsible for such technology. You understand and agree that each time you finish differences, whether or not attributable to your use of the 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. To the maximum extent permitted Your wireless service provider’s standard rates apply to Internet (data) access and SMS usage. We do not charge for any content; however, downloadable content may incur additional charges from your wireless provider. Please contact your wireless provider for information about your data and messaging rate plans. Your wireless provider may impose data access, message and/or charge limitations that are outside of our control, for using Mobile Services on your account. All such charges are billed by applicable law, we will not be and payable to your wireless provider. You are responsible for any charges and fees from your wireless provider. We are not responsible for any damages resulting from your failure to use comply with any terms and conditions of your wireless provider. Certain Mobile Services (or portions thereof) may not be available outside of the foregoing security devices United States. If you are using Mobile Services outside of the United States, you are responsible for having access to the appropriate wireless and/or telecommunications networks and procedures. 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, responsible for all associated fees and federal banking holidays are not includedcharges.

Mobile Banking Services. You may access certain Online Banking Services through a mobile Device ("Mobile Banking" or "Mobile Banking Services"). To participate in Mobile Banking understand that if you must be a customer in good standing, and have access to our Online Banking Service. To enroll in Mobile Services, you must download select 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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile Device to access Mobile Banking Services. Additional terms and conditions, which are provided to you when you activate or access optional Mobile Banking Services, also applyyou are required to log into Mobile Banking Services by using your Access ID, a mobile PIN you select when registering for Mobile Banking Services (“Mobile PIN”) and you agree AAI if Bank has required use of AAI in order to be bound by those additional terms and conditions which are incorporated herein by reference. Our security devices and procedures may also require you to provide certain account information, login information, or PIN numbers to access log into Mobile Banking Services. You understand and agree acknowledge that we canthe Mobile Banking Services may not control be encrypted and, therefore, Bank will never include your physical environment Access ID, Password, Mobile PIN or full account number in any communication that you may access on your Mobile Device related to prevent interception Mobile Banking Services, and you also understand that you should not include any personal information in any communication to Bank via the Mobile Banking Services. However, you understand and acknowledge that Mobile Banking Services may include your name and information about Your Accounts or Your Loans, such as the last four (4) digits of the contents Account number or specific Account transaction information. You understand and acknowledge that transmission of transmissions your masked Account number and specific information, including, but not limited to, dollar amounts and transaction information, does not constitute transmission of personal or private information, and when you register for Mobile Banking Services you authorize the Bank to and from send such information to your mobile Mobile Device, Smartphone, or other technology . You understand that Bank is not responsible for any damages in connection with a Mobile Banking Services communication you send to Bank, or a communication Bank sends to you. Because transmission of the Mobile Banking Services are not confidential or secure, you understand that you should not, and you agree not to, use any personally identifiable information when providing shortcuts or providing nicknames to Your Accounts or Your Loans. You also understand that there are risks associated with using your Mobile Device, and that in the event of theft or loss of your Mobile Device, your confidential information may become compromised. You understand that Bank will rely on the communication sent from your registered Mobile Device as confirmation that you have authorized all activity conducted using the Mobile Banking Services from your registered Mobile Device, including any Mobile Banking Services and any charges or fees incurred in your use of Mobile Banking Services. You understand that if you fail Unless otherwise subject to use adequate internal security devices and procedures, as required by this Agreement, your use the provisions of a mobile Device, Smartphone, or other technology may not be secure. By accessing Online Banking Services through Mobile Banking ServicesRegulation E for consumer customers, you assume any and all risk associated with your use of mobile Devices, smart phones, or other 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 further understand and agree that Bank will not be liable for any mobile Device, Smartphone, loss or other technology that damage incurred by you want when an unauthorized person gains access 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 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 communications sent via Mobile Banking Services. To You understand that you can send secure messages to the maximum extent permitted Bank over the Internet by logging into Bank’s Online Banking Services from a personal computer with your Access ID, Password and AAI. Bank’s use of its normal security procedures for maintaining confidentiality and security of information shall constitute fulfillment of Bank’s obligations to exercise due care. You understand that you are responsible for accessing, opening and reading communications sent to your Mobile Device. It is your responsibility to notify the Bank if any communication is not accessible, is incomplete or is unreadable. You understand that information you provide while using Mobile Banking Services may be stored on Bank’s secured servers and protected by industry-standard encryption techniques. However, Bank is not accepting any responsibility to archive any communications with you transmitted or received using the Mobile Banking Services beyond the time required by applicable law, we will not be responsible for your failure to use any of the foregoing security devices and procedures. A transfer between your accounts with usif any, initiated through Mobile Banking before 9:00 P.M. central time on a Business Dayor as stated in this Agreement, whichever 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 includedlonger.

Mobile Banking Services. You may access certain Online Banking Services through a mobile Device ("Mobile Banking" or "Mobile Banking Services"). To participate in Mobile Banking understand that if you must be a customer in good standing, and have access to our Online Banking Service. To enroll in Mobile Services, you must download select 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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile Device to access Mobile Banking Services. Additional terms and conditions, which are provided to you when you activate or access optional Mobile Banking Services, also applyyou are required to log into Mobile Banking Services by using your Access ID, a mobile PIN you select when registering for Mobile Banking Services (“Mobile PIN”) and you agree AAI if Bank has required use of AAI in order to be bound by those additional terms and conditions which are incorporated herein by reference. Our security devices and procedures may also require you to provide certain account information, login information, or PIN numbers to access log into Mobile Banking Services. You understand and agree acknowledge that we canthe Mobile Banking Services may not control be encrypted and, therefore, Bank will never include your physical environment Access ID, Password, Mobile PIN or full account number in any communication that you may access on your Mobile Device related to prevent interception Mobile Banking Services, and you also understand that you should not include any personal information in any communication to Bank via the Mobile Banking Services. However, you understand and acknowledge that Mobile Banking Services may include your name and information about Your Accounts or Your Loans, such as the last four (4) digits of the contents Account number or specific Account transaction information. You understand and acknowledge that transmission of transmissions your masked Account number and specific information, including, but not limited to, dollar amounts and transaction information, does not constitute transmission of personal or private information, and when you register for Mobile Banking Services you authorize the Bank to and from send such information to your mobile Mobile Device, Smartphone, or other technology . You understand that Bank is not responsible for any damages in connection with a Mobile Banking Services communication you send to Bank, or a communication Bank sends to you. Because transmission of the Mobile Banking Services is not confidential or secure, you understand that you should not, and you agree not to, use any personally identifiable information when providing shortcuts or providing nicknames to Your Accounts or Your Loans. You also understand that there are risks associated with using your Mobile Device, and that in the event of theft or loss of your Mobile Device, your confidential information may become compromised. You understand that Bank will rely on the communication sent from your registered Mobile Device as confirmation that you have authorized all activity conducted using the Mobile Banking Services from your registered Mobile Device, including any Mobile Banking Services and any charges or fees incurred in your use of Mobile Banking Services. You understand that if you fail Unless otherwise subject to use adequate internal security devices and procedures, as required by this Agreement, your use the provisions of a mobile Device, Smartphone, or other technology may not be secure. By accessing Online Banking Services through Mobile Banking ServicesRegulation E for consumer customers, you assume any and all risk associated with your use of mobile Devices, smart phones, or other 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 further understand and agree that Bank will not be liable for any mobile Device, Smartphone, loss or other technology that damage incurred by you want when an unauthorized person gains access 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 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 communications sent via Mobile Banking Services. To You understand that you can send secure messages to the maximum extent permitted Bank over the Internet by logging into Bank’s Online Banking Services from a personal computer with your Access ID, Password and AAI. Bank’s use of its normal security procedures for maintaining confidentiality and security of information shall constitute fulfillment of Bank’s obligations to exercise due care. You understand that you are responsible for accessing, opening and reading communications sent to your Mobile Device. It is your responsibility to notify the Bank if any communication is not accessible, is incomplete or is unreadable. You understand that information you provide while using Mobile Banking Services may be stored on Bank’s secured servers and protected by industry-standard encryption techniques. However, Bank is not accepting any responsibility to archive any communications with you transmitted or received using the Mobile Banking Services beyond the time required by applicable law, we will not be responsible for your failure to use any of the foregoing security devices and procedures. A transfer between your accounts with usif any, initiated through Mobile Banking before 9:00 P.M. central time on a Business Dayor as stated in this Agreement, whichever 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 includedlonger.

Mobile Banking Services. You may access certain Online Banking Services through a mobile Device ("Mobile Banking" or "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 Web 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 Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Device. We may also require you to register your mobile phone number with which you intend to use Mobile SMS. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 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 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 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, smart phones, or other 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 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 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. 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. 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. You may use this service to access certain 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 Services through a mobile Device ("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"). To participate in 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 must be 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 customer in good standing, convenience and have access supplemental service to our Online Banking 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 • Xxxx Pay To utilize the Mobile 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 enrolled 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 Online Banking and then register your mobile device within the Online Banking system. To utilize the Xxxx Pay functions you must first set up your account to pay bills from, as well as your payees through your regular Online Banking. Mobile Banking is available on phones and mobile devices that are SMS Text Message or Web Browser enabledAny modifications to your Xxxx Pay will also have to be done through your regular Online Banking. We offer reserve the following options right to manage your personal banking needs from limit the types and number of accounts eligible for mobile Devices: • SMS Text Message Banking - text to 98969 • Mobile App - available for Apple® and Android® devices ("Mobile App") Certain Online Banking Services may be unavailable or limited via Mobile Banking. You will have to comply with any minimum hardware and software compatibility requirements established by any software vendor in connection with any such mobile Devicebanking. We may also require you reserve the right to register your mobile phone number with which you intend to use Mobile SMSmodify the scope of the Service at any time. You are required to comply with the provisions of any and all license agreements regarding your use of any mobile 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 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 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 technology may not be secureaccessible or may have limited utility over some network carriers. By accessing Online Banking Services through In addition, the 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 representations that Mobile Banking Services, you assume any and all risk associated with your will be available for use of mobile Devices, smart phones, or other technology in connection with Online Banking Services, including but not limited to the risk of interception locations outside of the contents United States. Accessing Mobile Banking from locations outside of the United States is at your transmissions 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 from our systemsDisclosures. You understand and agree that for any mobile Device, Smartphone, may be subject to fee or other technology that you want to use with account conversion if transactions are exceeded on your account using Mobile Banking Services, you must enable and use a key lock, passcode, or other software locking process to restrict use of such 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 form of transaction outlined in your Account Agreement and Disclosures. Hours of Accessibility: In general, Mobile Banking Servicesis 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. To Occasionally, due to system maintenance or reasons beyond our control, the maximum extent permitted by applicable lawmobile banking service may be unavailable. Transactions are processed on business days only. Every day is a business day except Saturdays, we will not be responsible for your failure to use any of the foregoing security devices Sundays, and proceduresFederal Holidays. A transfer between your accounts with us, initiated through Mobile Banking before 9:00 P.M. central time 2:00p.m. CST on a Business Day, is generally business days are posted to your accounts account the same day. A transfer between your accounts with uscompleted after 2:00p.m. CST will be made available to you, initiated through Mobile Banking after 9:00 P.M. central time on a Business Day or on a Saturday, Sunday or federal banking holiday, but will generally not be posted on to your account until 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 includedbusiness day as specified above.