Digital Banking Services Agreement

Accepting this Agreement

By enrolling in the Services, including but not limited to logging in with your user ID and password to any of these Services, you are:

1. confirming that you can access and read all of this Agreement (View "System and Technical Requirements") and have done so;
2. agreeing to abide by the terms and conditions of this Agreement;
3. agreeing that such action constitutes your legally binding signature.

Using these Services is optional. You should exit now if you disagree with any of the terms and conditions contained in this Agreement.

You may receive Your Documents electronically by agreeing to the terms of Paperless Statements and by enrolling in Paperless Statements. For a description of what is included in Your Documents see the "Paperless Statements Terms and Disclosures" section below.

You may update your contact and other profile information under the "Profile" tab on the Website and App. You may also use the Contact Us feature on our Website or App to update information needed to contact you electronically.

You should print this Agreement and retain a copy for your records. If you need a paper copy from us, please use the Contact Us feature on our Website or App to request a copy. We may assess a fee.

Customer Service Contact Information: Please contact us at (800) 642-0014.

The Parties to this Document

In this Agreement, the words "you" and "your" refer to the person(s) named in the enrollment used to obtain access to these Services. This includes, but is not limited to using the Website or the Apps. This includes any other person that you permit to access these Services using your user ID and password. The words "we," "us" and "our" refer to First National Bank of Omaha. First National Bank of Omaha has divisions that operate under various brand names. For specific information, please (i) contact your local banker, (ii) call our Customer Care Center, or (iii) visit us online.

Relationship of Parties

This document is a contract. Please keep a copy of this document in your records.

Relation to Other Agreements

Your use of these Services may be affected by other agreements and supporting documents you may have been provided by us related to your Accounts. When you link an Account to one of these Services, you agree to continue to abide by the terms you have with us for that Account as well as the terms of this Agreement. For example, if you link your checking Account to one of these Services, you remain obligated to comply with the checking Account terms as well as this Agreement. You should review all related agreements and supporting documents along with this Agreement for any applicable fees, limitations on the number of transactions or other restrictions that may affect your use of the Account with these Services.

Termination of Accounts

If you terminate your Accounts you will not be able to use the Services. Use of the Services may involve the use of clearing systems or other networks or associations and use of the Services is subject to the rules of such clearing systems, network or associations. By using the Services, you agree to comply with such rules, as applicable. You agree that we are not responsible for the acts or omissions of any clearing systems, networks or associations or its members. See the paragraph under "Limitations; Compliance with Law" for further information about such rules.

This Agreement Consists of the Following Terms

• Terms Applicable to Web and App Services. These terms are applicable to all of the Services described in this Agreement.
• Terms Applicable to Mobile App Services. These terms are applicable if you download the App and agree to the terms.
• Bill Payment and Transfer Services. These terms are applicable if you use the services to pay bills or transfer money either internally or externally.
• External Account Linking and Personal Financial Management Tools. These terms are applicable if you link an external account or use personal financial management features within our Digital Banking services.
• Paperless Statements Terms and Disclosures. This will only apply if you agree to the terms and enroll in Paperless Statements.
• Mortgage Paperless Statements Terms and Disclosures. This will only apply if you agree to the terms and enroll in Mortgage Paperless Statements.
• Terms of Use. These additional terms are applicable to the Services that are accessible through our Website and Apps. Read the Terms of Use carefully. If you do not agree to these Terms of Use, do not use this Website or any App.
• Privacy Policy. Any personal information that you provide to us via our Website, App, or otherwise, is subject to our Privacy Policy and product specific notices which are incorporated into these terms by reference, as if set forth fully herein.
• Security Statement. This is our standard of security protection for protecting customer's exchange of Account information via the internet.

Confidentiality

We will disclose information to third parties about your Account or your use of the Services: (i) as set forth in our website Privacy Policy and all Privacy Notices applicable to your Account; (ii) where it is necessary for completing transfers; (iii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant; (iv) in order to comply with government agency or court orders; or (v) if you give us your written permission.

Service Availability

Services will generally be available 24 hours per day, seven days per week, except for scheduled maintenance. Currently, this means Services will not be available from approximately 1 a.m. Central Time on the third Sunday of each month to 4 a.m. Central Time on that Sunday. Any of these Services may be unavailable at other times for security reasons or circumstances beyond our control (such as a fire, flood, power outage or communications or computer system failure) as well as for other reasons. We reserve the right to change service hours at any time.

For You to Terminate Services

If you want to terminate your access to these Services, you can call us at the number listed under the Contact Us tab on the Website or App. Services may be discontinued immediately if we receive a call from you or someone claiming to be you. Alternatively, we may require that you follow another procedure so that we may verify your identity and your authorization to terminate. Recurring transfers or payments will not necessarily be discontinued because you terminate access to Services. If you want to make sure that online recurring transfers or payments are stopped, you must follow the procedures in the "Discontinuing Recurring Transfers and AutoPay Payments" paragraph below in this section.

For Us to Terminate Services

We reserve the right to terminate access to any or all Services in whole or in part at any time, with or without cause and without prior written notice. In that event or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers or payments, including recurring transfers or payments and other transfers that you previously authorized but have not yet made. We also reserve the right to temporarily suspend access to our Website, App and any or all Services in situations we deem appropriate, in our sole and absolute discretion, including when we believe a system security breach has occurred or is being attempted. We may consider repeated incorrect attempts to enter your user ID or password as an indication of an attempted security breach. Terminating these Services does not affect your or our rights or obligations under this Agreement with respect to occurrences before termination.

Important Notice Regarding Changes in Terms

Subject to applicable law, all terms of this Agreement are subject to change. These terms are the complete terms of our Agreement with respect to these Services described herein, but do not supersede the terms and conditions applicable to other products or services that you may have previously acquired from us or that you may acquire from us in the future. These terms do not, for example, supersede the terms applicable to your deposit Accounts, credit cards, debit cards, lines of credit or loan products with us.

We may unilaterally change the terms of this Agreement at any time. If we make changes, we will update these terms on our Website and App and we will send you a written or electronic notice if required by law. Changes will be automatically effective on the date we specify and without the necessity of any further consent by you. Unless we specify otherwise, changed terms will apply to your Accounts as then outstanding as well as to future transactions and balances. Each time you use these Services, you are confirming your consent to the terms of this Agreement, including any changes to the terms. Use of these Services is not, however, necessary for a change in terms to be effective. We may suspend or discontinue these Services at any time. These terms will survive after any suspension or discontinuation. If you disagree with a change, you should stop using the Services.

Credit Review; Third Party Contacts

You agree that we may contact any source necessary and may obtain credit reports on you in connection with these Services. We may also contact third parties (such as but not limited to merchants and other financial institutions) in connection with resolving problems with these Services (e.g., in connection with delayed or incorrectly posted payments).

Assignment

You may not transfer, assign or delegate your rights or duties under this Agreement. Do not use an aggregator or screen scraper service provider. If you choose to use an aggregator or screen scraper service provider, you are authorizing them to act on your behalf in obtaining these Services.

Sole Proprietor Accounts

If you use these Services to access a sole proprietor Account with us, note that: (i) you are solely responsible for the tax consequences of all transfers between your various business and personal Accounts and all payments you make using these Services; and (ii) this paragraph and the Authorization, Transfers Between Accounts with Us and Payments to a Credit Card or Personal Loan Account with Us paragraphs, included below, do not apply to transfers from your sole proprietor Account. Provisions of this Agreement indicating that we are liable for failure to make transfers or payments on time or that we are liable for failure to cancel or discontinue transfers or payments are applicable only to transfers from consumer Accounts.

Authorization

Each time you request us to make a transfer or payment using these Services, you authorize us to complete that transfer or payment without any further instructions or your signature; and the account-holding institution (which may or may not be us) to deduct the transfer or payment amount from the account you identify (subject to restrictions our system imposes). You may revoke your authorization only by following the procedures (and subject to the limitations) in the paragraph on "Discontinuing Recurring Transfers and AutoPay Payments". Certain authorizations may not be revoked because we begin to process the request immediately. We are entitled to treat transfer and payment requests as if they were in writing and signed by you if initiated by your user ID and password.

Bill Payment Services

You may use Bill Payment Services (Bill Pay) to authorize payments from eligible checking accounts to third-party billers you designate. Services include one-time, scheduled and/or recurring payments. By using Bill Pay, you authorize us to debit your account for specified payment amounts and transmit payments via electronic or paper check methods as determined by biller capabilities or information provided when biller information is input.

Adding a Biller: To add a biller, you must provide complete and accurate information including biller name, account number (entered twice for verification), biller zip code, and any optional nickname or memo. If no account number exists, you must provide the complete mailing address. You are solely responsible for ensuring all biller information is accurate, complete, and current. Errors or outdated information may result in misdirected payments, delays, or failures, for which we have no liability except as expressly provided in this Agreement or required by law.

Scheduling Payments: When scheduling payments, specify the biller, payment amount, delivery date, and whether the payment is one-time or recurring. Our system calculates the payment send date based on the delivery date selected, biller capabilities, and transmission method. You are solely responsible for scheduling payments with sufficient advance time to meet biller due dates.

Payment Methods: Payment methods are electronic or paper check. Method depends on biller capabilities. You must maintain sufficient funds to cover all scheduled payments regardless if the payment is being sent electronically or by check. If your scheduled delivery date falls on a weekend or federal holiday, your bill payment will be delivered the business day prior to the scheduled delivery date.

Electronic Payment Details: Electronic bill payments initiated to be delivered the next business day must be submitted before the batch cutoff of 7:00 p.m. CT on a business day; funds will be debited from your FNBO account on that business day and generally credited to your biller the next business day (excluding federal holidays). For electronic payments, funds debit your account on the send date which is determined based on the selected delivery date.

Check Payment Details: For paper checks, funds are debited when the check is negotiated by the biller, which may occur before or after the scheduled delivery date. Payments sent by check are transmitted by the U.S. Postal Service or FedEx, and we are not responsible for the delivery time. Standard check payments must be submitted by the 7:00 p.m. CT cutoff. You can choose to send an expedited check for a fee, as long as you submit it before the 1:00 p.m. CT cutoff time and the biller has a physical address. Expedited check payments are not available for billers with a PO Box as the address. The fee amount will be shown to you when you select the expedited option. By choosing to expedite your check, you agree to have this fee deducted from the account you're using to send the payment. Expedited checks require a signature from the recipient for delivery.

If the U.S. Postal Service returns a check payment to us (for an invalid address, for example), the check status will indicate it was returned. All returned checks are destroyed and the Bank will make no attempts to reprocess the payment. You will be responsible for resolving the delivery and processing of your payment.

Recurring/Scheduled Payments: Payments may be scheduled one-time or recurring (for example weekly, every two weeks, twice a month, monthly, quarterly, every six months, or annually). Recurring payments process automatically until cancelled, after a number of transactions, until a specified end date, or until we terminate Bill Pay Services per this Agreement. You are responsible for modifying or canceling recurring payments when your obligations change.

Transfer Funds: Internal

When you transfer funds between certain accounts (checking, savings and unsecured lines of credit) with us, the timing depends on the type of transfer you initiate:

One-Time Transfers: These transfers process real time if complete prior to the cut off time of 10:00 p.m. CT. Transfer dates will be automatically moved to the next business day if you request a transfer date that is not a business day or transfer requests made after the cut-off time will also be automatically moved to the next business day.

Scheduled and Recurring Transfers: Scheduled and recurring transfers begin processing at 7:00 a.m. CT on the scheduled date and are credited on the scheduled date; funds are available on the scheduled date. Transfers on weekends and holidays begin processing on the scheduled date and are credited the next business day however funds are available on the scheduled date. Transfers may be scheduled one time or recurring (for example weekly, every two weeks, every other month, monthly, every three months, every six months, or annually). Recurring transfers process automatically until cancelled, after a number of transactions, until a specified end date, or until we terminate Services per this Agreement. You are responsible for modifying or canceling recurring transfers when your obligations change.

Transfer Funds: External

Transfers involving External Accounts are permitted only for Eligible External Deposit Accounts in accordance with the External Account Linking and Personal Financial Management Tools section of this agreement, applicable payment network rules including the Automated Clearing House (ACH) network, and the terms governing your relationship with the external financial institution.

Inbound Transfers (from external accounts to your FNBO account): External inbound transfers process on business days with a cutoff time of 7:00 p.m. CT. External Transfers submitted before the cutoff will generally process the next business day. Some deposits may not be available for immediate withdrawal as described in the External Account Linking and Personal Financial Management Tools section of this Agreement.

Outbound Transfers (from your FNBO account to external accounts): External outbound transfers process on business days with a cutoff time of 7:00 p.m. CT. When you schedule an outbound transfer prior to the cutoff for a business day, your FNBO account will be debited on that day, and your external account will generally be credited the next business day.

Transfers may be scheduled one time or recurring (for example weekly, every two weeks, every other month, monthly, every three months, every six months, or annually). Recurring transfers process automatically until cancelled, until a specified end date, after a number of transactions, or until we terminate Services per this Agreement. You are responsible for modifying or canceling recurring transfers when your obligations change.

Note: Do not send transfer requests via email.

Payments to a Credit Card with Us

You may use the Services to make your payment on your credit card Account every month using a checking or savings account that you specify. The payments you authorize may be variable (one-time payments) or recurring (automatically made at regular intervals through AutoPay). The payments that you initiate using the Services may affect other recurring payments that you have established through other means. Transfers or payments from deposit accounts with other institutions should be reflected on the statements you receive from those institutions. Please continue to review all the statements you receive. We may restrict, and you agree not to initiate, payments that are greater than the then current balance on your credit card Account. If any third party makes a claim against us because of your use of these Services in this way, you shall reimburse us for all losses we sustain in connection with that claim and you shall fully indemnify, defend and hold us harmless against that claim. In such an event, we may also reverse any credit given on your credit card Account. Payments will be made in the amounts and on the "payment dates" you specify. Generally, payments will post to your Account on the payment date so long as we have received your payment instructions before our cutoff time for that payment date. Our cutoff times are subject to change from time to time without notice; however, if you try to submit a payment after the cutoff time for a payment date, our system will alert you. Payments made after the close of business on business days or on weekends or holidays will post to your Account the next business day. If payment for your credit card Account is not posted by its due date, you may be assessed a late payment fee.

Note: Do not send a credit card Account payment request via email.

Pay Loans

You may use the Pay Loans feature to make payments on certain loans and lines of credit with us. The timing depends on the type of payment you initiate:

One-Time Payments: These payments process real time if complete prior to the cut off time of 10:00 p.m. CT. Payment dates will be automatically moved to the next business day if you request a payment date that is not a business day or payment requests made after the cut-off time will also be automatically moved to the next business day.

Scheduled and Recurring Payments: Scheduled and recurring payments begin processing at 7:00 a.m. CT on the scheduled date and are credited on the scheduled date. Payments on weekends and holidays begin processing on the scheduled date and are credited the next business day. Payments may be scheduled one time or recurring (weekly, every two weeks, every other month, monthly, every three months, every six months, or annually). Recurring payments process automatically until cancelled, after a number of transactions, until a specified end date, or until we terminate Services per this Agreement. You are responsible for modifying or canceling recurring payments when your obligations change.

Required System-Generated Service Notifications

By using our Bill Pay, transfers (internal or external), and related payment services, you agree that we may provide you with service-related notifications to keep you informed of material activity affecting your payments, transfers, and related accounts. These notifications may include confirmations, reminders, updates, and notices related to payments, transfers, billing information, and transaction status. You acknowledge and agree that these notifications are system-generated required service communications and are provided to support accurate processing and protect you from potential issues. You may not opt out of receiving these system-generated notifications, as they are necessary for your awareness of material events impacting your accounts and payments. Certain notifications may be eligible for delivery by text message if you choose to enroll. By opting in to receive text notifications, you represent and agree that you are authorized to receive text messages at the mobile number you provide, that a text message will be sent to that number, and that standard messaging and data rates may apply. Not all notifications are available by text message.

Limitations; Compliance with Law

In addition to the limitations stated above, any limitations on transfers that apply to your Accounts remain in effect (and transfers or payments using these Services will count as transfers for those purposes). For security reasons, there may be additional limitations on the frequency and dollar amount of the transfers and payments you may make using these Services. If you are initiating payments or transfers from an account other than a consumer account: You agree to be bound by the rules of the National Automated Clearinghouse Association and other relevant clearinghouse associations as in effect from time to time (the "Rules"). You will be considered the Originator of your entries under the Rules. You agree not to initiate entries that violate the laws of the United States. These laws include, but are not limited to, sanctions enforced by the Office of Foreign Assets Control (OFAC). It is your responsibility to obtain information regarding OFAC enforced sanctions. You may obtain further information from the OFAC Compliance Hotline at (800) 540-OFAC.

Statements

Transfers and payments from your Accounts with us will be reflected on the regular monthly Account statements we provide to you. Payments from deposit accounts with other financial institutions should be reflected on the statements you receive from those institutions. Please continue to review all statements you receive. You may also review transfers and payments from your Account with us using the Services. If any of your statements show an incorrect or unauthorized transaction, you agree to notify us immediately. If you do not follow the "Error Resolution Procedures," your statement will be considered correct for all purposes and we will not be liable for any transfers or payments reflected on the statement. You agree to promptly notify us of any change in your address or telephone number. Statements related to your credit cards are handled differently and you should review the card member agreement sent with your credit card for information concerning mistakes on your credit card statement.

Balances

We may, but need not, make any transfer or payment if you do not have a sufficient balance on the date you request the transfer or payment or on the date the transfer or payment is scheduled to be made. If we do make the transfer, you agree to immediately reimburse us for the overdraft that it creates if applicable (and understand that we may deduct the amount from any other Account you, alone or with others, maintain with us). Although we may generally attempt to inform you if a requested transfer or payment is not made, we are not obligated to do so.

Discontinuing Recurring Transfers, Bill Payments and AutoPay Payments

If you wish to cancel a recurring transfer, payment or AutoPay payment, select the transfer or payment you wish to cancel by first viewing the transfer or AutoPay payment that is currently set up on your Account. From the pending transfers list or the "AutoPay" tab, you can choose to "Cancel" the recurring transfer or payment, which will cancel the pending transfer or payment or you can choose all future recurring transfers or payments. In addition, you can call us at the number listed under the Contact Us tab on our website or App, or write to us at:

We must receive your request at least three (3) business days before the payment date to be effective for the current billing cycle. If you request us to cancel a recurring transfer or payment made from a deposit account you maintain with us three (3) business days or more before the payment date, and we fail to do so, we may be liable for your losses or damages (applicable to consumer accounts only).

Discontinuing Scheduled Transfers and Payments

If you wish to cancel a future scheduled transfer or payment, you can select the transfer or payment you wish to cancel on your pending transfers or payments list on our Website or App. After you select the transfer or payment you wish to cancel, you can choose to "Cancel" the transfer or payment. In addition, you can call us at the number listed under the Contact Us tab on our Website or App, or write to us at:

We must receive your request at least three (3) business days before the transfer or payment date. Although we may attempt to honor cancel requests for variable transfers and payments, we are not obligated for failing to do so.

For transfers or payments from a deposit account with another institution: You may not discontinue transfers or payments that you have initiated from an account with another financial institution to an Account with us.

Note: Do not send requests to discontinue transfers or payments via email.

Changing a Recurring Transfer or AutoPay Payment

If you wish to change a recurring transfer or AutoPay payment, select the transfer or payment you wish to change by first viewing the transfer or AutoPay payment that is currently set up on your Account. From the transfer list or "AutoPay" tab, you can choose to change the deposit account information from which the transfer or AutoPay payment is withdrawn or change the recurring transfer or payment amount you wish to make for future transfers and payments. In addition, you can call us at the number listed under the Contact Us tab on our Website or App.

For changes to deposit account information, we must receive your request at least three (3) business days before the transfer or payment date to be effective for the current billing cycle. Generally, changes to a transfer or AutoPay payment amount will be effective for the next billing cycle after the upcoming transfer or payment due date. To stop transfers and AutoPay from withdrawing funds from a deposit account for the current billing cycle, either discontinue the transfer or AutoPay payment or place a hold on AutoPay payments (see below).

Changing a Recurring Bill Payment

If you wish to change a recurring bill payment, select the payment you wish to change by first viewing the payment that is currently set up on your Account under View Activity or the Pay Bills tab. From the list you can choose to change the deposit account information from which the payment is withdrawn, change the frequency in which the payment is made or change the payment amount you wish to make. Any changes made to a recurring bill payment will be effective for future payments. In addition, you can call us at the number listed under the Contact Us tab on our Website or App.

For changes to deposit account information, we must receive your request at least three (3) business days before the transfer or payment date to be effective for the current billing cycle. Generally, changes to a transfer or AutoPay payment amount will be effective for the next billing cycle after the upcoming transfer or payment due date. To stop transfers and AutoPay from withdrawing funds from a deposit account for the current billing cycle, either discontinue the transfer or AutoPay payment or place a hold on AutoPay payments (see below).

Placing a One-Month Hold on AutoPay Payments

From the "AutoPay" tab on the Website or App, you can also choose to place a one-month hold on AutoPay payments. This request will suspend your AutoPay payment for the current billing cycle if requested at least three (3) business days before the payment date. If requested less than three (3) business days before the payment date, the hold will be effective for the next billing cycle. During the one-month hold period, you will be responsible for making the required payment for that billing cycle. The recurring payment will resume the following billing cycle.

Our Liability

If we fail to complete an electronic funds transfer or payment in time or in the correct amount, in accordance with this Agreement and when you properly instruct us, we are liable for your losses or damages. However, there are some exceptions. For instance, we are not liable: (i) if, through no fault of ours, you don't have sufficient funds in your Account to make the transfer or payment; (ii) if the funds are subject to legal process or other encumbrance restricting a transfer or payment; (iii) if the transfer or payment exceeds your credit limit; (iv) if there is a technical malfunction which is known to you at the time you attempt to initiate the transfer or payment or, in the case of a recurring transfer or payment, at the time the transfer or payment should have occurred; (v) if circumstances beyond our control (such as a fire, flood, power outage or communications or computer system failure) prevent the transfer or payment, despite reasonable precautions that we take. In no event are we liable for more than actual damages proved if any failure of ours was unintentional, and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adopted to avoid such an error.

This does not mean that we accept liability for other circumstances resulting in transfers or payments not being made or completed on time. For example, we are not responsible for delayed or failed transfers or payments if: (i) you fail to use these Services properly in accordance with this Agreement and any online or other instructions supplied in connection with these Services; (ii) you don't request the transfer or payment and schedule it sufficiently in advance of the due date for the obligation you are paying; (iii) you exceed applicable restrictions on the number, amount or frequency of transfers; (iv) you fail to supply accurate information with regard to the persons you wish to pay (e.g., name, address and account number) or the Account from which you wish to have the transfer or payment made; (v) the person you wish to pay or their bank mishandles or delays posting the payment (or, in the case of transfers from your account with another financial institution to your Account with us, your account-holding institution refuses to honor or mishandles or delays the transfer); (vi) your computer or software fails to operate correctly, or your instructions are lost or delayed in transmission to us; (vii) a bona fide security consideration causes us not to make the transfer or payment (e.g., your user ID or password has been reported lost or stolen, we have reason to believe a transfer is unauthorized, or the transfer would violate other security restrictions in our system); or (viii) your relevant Account is closed or your access to the Services have been terminated or suspended.

Liability for Unauthorized Use of Debit Card

Tell us immediately if you believe your user ID or password has been lost or stolen. Telephoning is the best way of limiting your potential losses. You could lose all the money in your Account (plus your maximum line of credit). If you tell us within two (2) business days, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your user ID or password, and we can prove we could have stopped someone from using your user ID or password without your permission if you had told us, you could lose as much as $500. Also, if your Account statement shows transfers or payments that you did not make, tell us immediately. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have prevented someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the times. If you believe your user ID or password has been lost or stolen or that someone has transferred, or may transfer money from your Account without your permission, you can call us at the number listed under the Contact Us tab on our Website or App, or write to us at:

Liability for Unauthorized Use of Credit Card

If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at P.O. Box 3696 Omaha, NE 68103-0696 or call us at 1-800-688-7070. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability for any credit card Account used for personal, family, or household purposes will not exceed $50.00.

Note: Do not send notification of lost or stolen user IDs or passwords or unauthorized transfers via email.

Error Resolution Procedures

In case of errors or questions about transfers or payments from your Accounts with us, telephone us at the number listed under the Contact Us tab on our website or App or write to us at:

Contact us as soon as you can if you think a statement you receive is wrong, or if you need more information about a transfer or payment listed on your statement. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. Tell us your name and Account number. Describe the error, or the transfer or payment you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Account within ten (10) business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account. For errors involving new Accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Accounts, we may take up to twenty (20) business days to credit your Account for the amount you think is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

With respect to errors applicable to your credit card Account, the error resolution procedures are set forth in the cardmember agreement which addresses your rights and our responsibilities under the Fair Credit Billing Act.

Business Days

For purposes of this Agreement, our business days are Monday through Friday, excluding Saturdays, Sundays and federal holidays.

External Account Linking

You may link an external deposit, loan, credit, investment, or other financial account that you own or are authorized to access at another U.S. financial institution ("External Account") to your FNBO Digital Banking profile in order to view information about that External Account and use personal financial management tools. You may initiate transfers to or from an External Account only if the External Account is a deposit account, such as a checking or savings account, that you own or are authorized to access. To link an External Account, you must be the owner of the External Account or an authorized user on that account, and we may require you to authenticate and verify ownership using methods we select.

Use of External Account Information

By choosing to link an External Account, you authorize the Bank and its service providers to obtain, verify, store, use, and display information relating to that External Account, including account identifiers, account type, balances, and transaction history, to the extent necessary to provide Digital Banking services and related personal financial management tools (collectively, "External Account Information"). You further authorize any third-party service provider acting on our behalf to access the External Account as needed to verify the account, retrieve External Account Information, and support the services you request, and you direct the external financial institution to release that information to us. This authorization becomes effective upon successful account linking and continues until you unlink the External Account or otherwise revoke authorization. Unlinking or revocation terminates your authorization, preventing all future access to External Account Information except as necessary to complete transactions already in process at the time of termination. The Bank does not receive or store the login credentials you use directly with any external financial institution.

The Bank may use External Account Information for purposes permitted by our Privacy Notice, including to help identify products, services, offers, or financial insights that may be of interest to you. We may analyze External Account Information, together with information we maintain about your relationship with us, to assess product suitability or potential eligibility; to personalize your experience within Digital Banking; and to provide, advertise, or recommend products or services offered by us or our affiliates. Any such use will be consistent with the Bank's Privacy Notice and applicable law.

Personal Financial Management Tool

Personal financial management tools within Digital Banking may present consolidated balances, transactions, spending analyses, cash-flow insights, or other summaries derived from External Account Information and from information relating to your accounts with us. These tools are provided solely for your convenience and informational purposes, and the Bank does not guarantee the accuracy, timeliness, or completeness of any information displayed or derived from External Account Information. You remain responsible for reviewing the official records and statements for all of your accounts and for all financial decisions made using any personal financial management features.

Suspension or Removal of External Accounts

We may, in our discretion and without prior notice, reject a request to link an External Account, suspend or remove an existing link, or limit or restrict transfers to or from an External Account at any time, including for suspected fraud, ownership concerns, security or risk considerations, or operational or compliance reasons. The Bank is not responsible for any acts, omissions, delays, restrictions, or errors of any external financial institution or third-party service provider.

Transfers to and From External Accounts

Transfers involving External Accounts are permitted only for Eligible External Deposit Accounts (such as checking or savings accounts) and are subject to any limits disclosed within our Digital Banking Services, to applicable payment-network rules including the Automated Clearing House (ACH) network, and to the terms governing your relationship with the external financial institution. We may decline, delay, or reverse a transfer involving an External Account at any time for risk-management, fraud-prevention, or compliance purposes. You are solely responsible for ensuring the accuracy of all information and transfer instructions involving an External Account.

Funds Transfer for External Accounts

Some deposits are not available for immediate withdrawal. This delay in funds availability helps us protect your account and ourselves. This section covers what you will need to know about the delay, including an overview of our policy and detailed information on when funds from different transaction types become available. Please read the following carefully:

1. Determining Availability of a Deposit

   Note, if a deposit is being delayed, we count the length of the delay ("hold") in business days starting from the day of your deposit. We determine the day of your deposit according to the cut-off time. Such cut-off times are established to allow us time to process deposits and update our systems. For detailed information regarding cut-off time, please refer to the "Cut-Off Time" section below.

2. ACH Debit Orders Hold Period

   ACH external transfers-in initiated within the FNBO app/web are categorized as ACH Debit orders and are subject to a hold period of up to 10 business days.

3. Cut-Off Time for Transfers

   External Transfers requests received after 7:00 p.m. CT cut-off time, or on a non-Business Day, will be treated as received on the next Business Day. Processing of the transfer will begin on that Business Day.

4. Same-Day Availability

   Any funds from the following incoming transaction types are available the same business day we receive the funds, or in the case of ACH Credit Transfers, on the settlement date:

   • ACH Direct Deposits (e.g., payroll deposit employer puts directly into your account)
   • ACH credit transfers (e.g., transfer is initiated from an account at another financial institution to send funds to your account) with a current day settlement date.
5. Extension of Hold Times

   In certain circumstances, we reserve the right to extend the hold times for ACH debit transfers. If such extension is necessary, we will inform you of the revised availability.

Note: All ACH debit transfers will be subject to a hold period. You will receive a prompt during the transfer process indicating when funds will be available.

Unlinking External Accounts

You may remove a linked External Account at any time through Digital Banking. Removal of an External Account does not affect the completion of any transfer already submitted but not yet processed and does not affect our retention of External Account Information that we are permitted or required to retain under applicable law or for legitimate business purposes.

Passcodes and Passwords; Security

We may permit access to your Account information and may accept as authentic any instructions given to us using your user ID, password passcode or other login credentials. You agree to keep your user ID, password, passcode and other login credentials secret. You agree to notify us immediately if your user ID, password, passcode or other login credentials are lost or stolen or if you believe someone else has discovered your user ID, password, passcode or other login credentials. If you permit someone else to have access to your user ID, password, passcode or other login credentials, you are authorizing that person to act on your behalf. We may permit such a third party to access your Account information and make transfers and payments using these Services. These Services enable you to change your password and we strongly recommend that you do so regularly. You agree to follow the "Personal Online Safeguards" posted in our Security Center on our Website and you accept responsibility for losses that is caused by your failure to do so. We may be liable for certain losses to the extent required by applicable law and regulation (see "Liability for Unauthorized Use"). We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. We reserve the right to: (i) monitor and record all communications and activity related to these Services; and (ii) require verification of all requested transfers and payments as we deem appropriate. This means, for example, that we may require your written or other verification before we make a transfer or payment. Our records will be final and conclusive in all questions concerning whether or not your user ID, password, passcode or other login credentials was used in connection with a particular transaction. If any unauthorized use of your user ID, password, passcode or other login credentials occurs, you agree to: (iii) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (iv) provide reasonable assistance that we request in recovering any unauthorized transfer or payment.

Account Information

Balance information available on our Website or App may not reflect outstanding checks or charges, unposted transactions (such as deposits, payments or credits), or recent transfers or payments. Balances in Accounts may also be subject to a hold (which will not necessarily be evident from your online statement, but you will receive written notice when the hold is placed). Balance information is generally provided as of the end of the prior business day and may not reflect pending transactions. Online transaction history for Accounts is limited. You may need to check the statements that we have previously sent you for information prior to the first day covered by the online transaction history. You also agree to monitor the activity in your Accounts and to keep informed of any changes.

Email

You may use the email feature under the Contact Us tab on our Website or App for general, non-urgent communications with us. You should not rely on email for important or time-sensitive notices to us such as stop payment orders, or for reporting a lost or stolen user ID, password, or your credit, debit or ATM card. In any event, we will not take action based on an email request until we actually receive your message and have a reasonable opportunity to react. We would also caution you against using email for transmitting sensitive personal information. We reserve the right to terminate Services if email is used for threatening, abusive, obscene, libelous, defamatory or offensive material. Offensive material includes, among other things, sexually explicit messages or other messages that can be construed to be harassment or disparagement of others based on their race, color, religion, disability, age, sex or national origin.

Errors on Statements

You may use the information under the Contact Us tab on our Website or App to notify us of errors on your statements (for further information, see "Error Resolution Procedures" with reference to transfers or payments, or the applicable similar provision in the disclosures given to you for an existing product). You should not consider that we have received your notification unless and until you receive a response from us. If you do not receive a response to your dispute within two (2) days, you should resend your message (and await a response from us) or follow the other notification procedures in the applicable provisions referenced above.

Note: Do not notify us via email of lost or stolen user IDs, passwords, credit, debit or ATM cards. Do not send transfer or payment requests via email.

Providing Your Contact Information to Us on Our Website or App

CONSENT: BY ENROLLING AND PROVIDING YOUR MOBILE NUMBER OR EMAIL ADDRESS YOU CONSENT TO BEING CONTACTED AT THE MOBILE PHONE NUMBER AND EMAIL ADDRESS PROVIDED. THIS INCLUDES BUT IS NOT LIMITED TO CONTACT THROUGH LIVE OPERATORS, EMAIL MESSAGES, TEXT MESSAGES, AUTOMATIC DIALING DEVICES, ARTIFICIAL OR PRERECORDED VOICE MESSAGES AND/OR BY OTHER MEANS. MESSAGE FREQUENCY VARIES BY ACCOUNT AND PREFERENCES. CONSENT IS NOT A CONDITION OF PURCHASE.

BY PROVIDING THE MOBILE NUMBER YOU CONSENT TO THESE CALLS AND TEXT MESSAGES EVEN IF THE MOBILE PHONE NUMBER PROVIDED IS ON ANY STATE OR FEDERAL "DO-NOT-CALL" LIST AND EVEN IF YOU HAVE PREVIOUSLY REQUESTED US NOT TO CONTACT YOU AT THE MOBILE PHONE NUMBER.

YOU WILL PROMPTLY NOTIFY US IN THE EVENT YOU CHANGE YOUR PHONE NUMBER. IN THE EVENT THAT YOU CHANGE OR DEACTIVATE YOUR MOBILE NUMBER IT IS YOUR RESPONSIBILITY TO REMOVE YOUR DEACTIVATED NUMBER FROM THE MOBILE DELIVERY OPTIONS IN YOUR ACCOUNT. ALTHOUGH WE DO NOT CHARGE FOR THE DELIVERY OF CALLS OR TEXT MESSAGES TO YOUR DEVICE, THIS ACTIVITY COULD RESULT IN CHARGES TO YOU. YOUR SERVICE PROVIDER'S MESSAGE AND DATA RATES MAY APPLY.

Account Alerts

The Account Alerts feature enables you to request and receive email or text messages about your Accounts with us. You may receive Account Alerts via your email account, text message(s), push notifications and/or by other means. Your ability to receive Account Alerts through any Device is subject to the terms and conditions of any agreement between you and your wireless communications service provider ("Service Provider"). You are responsible for any fees imposed by your Service Provider. We provide Account Alerts to you by utilizing the instructions you provide to us. You are responsible for providing us a current, accurate email address or mobile phone number, in order to receive Account Alerts.

CONTACT MAY OCCUR TO RESPOND TO YOUR INQUIRIES, TO ALERT YOU TO POSSIBLE FRAUD ON YOUR ACCOUNT AND FOR OTHER CUSTOMER SERVICE AND HANDLING PURPOSES.

Account Alerts are sent to you without being encrypted and may include your name and information pertaining to your Account. Your receipt of Account Alerts may be delayed or prevented by factors affecting your Service Provider and other factors outside our control. We do not guarantee the delivery or the accuracy of the contents of any Account Alert. We are not responsible for: (a) inaccurate or incomplete content in an Account Alert; (b) non-delivery, delayed delivery, or misdirected delivery of an Account Alert; (c) your dependence on or use of the information provided in an Account Alert for any purpose; or (d) security relating to the delivery of an Account Alert. Account Alerts are provided for convenient informational purposes only. Account Alerts do not comprise a Bank record for the Account to which it relates. We reserve the right to terminate or change the Account Alerts feature at any time and for any reason without prior notice to you.

IF YOU WOULD LIKE TO STOP RECEIVING ALL ACCOUNT ALERTS VIA TEXT, YOU MAY UNSUBSCRIBE BY OPTING OUT OF TEXT ALERTS ON THE 'PROFILE' PAGE. YOU MAY ALSO GLOBALLY UNSUBSCRIBE FROM ALL BANKING PROPERTIES OFFERING TEXT ALERTS BY TEXTING 'STOP' TO 22029. AFTER TEXTING 'STOP' TO 22029 YOU WILL RECEIVE ONE ADDITIONAL MESSAGE CONFIRMING THAT YOUR REQUEST HAS BEEN PROCESSED. TEXT 'HELP' TO 22029 FOR HELP OR CONTACT US BY PHONE AT 877-932-3626.

Eligibility

You acknowledge that the App may change over time and that if you wish to continue to access and receive the App, you may be required to download certain Apps and updates from time to time. Additional enrollments may be required for some Apps. You must be the authorized user of the Device that you wish to enroll and it must have the functions needed to support use of the App (e.g., it must be web-enabled). The App may not be accessible in all geographic locations and may not function with some Devices, Service Providers and mobile plans. You are solely responsible for charges imposed by your Service Provider or any third party based on the use of your Device. Not all customers are eligible for the App. You may not be able to enroll if you are not eligible or if you do not follow all enrollment instructions. You represent that the information you supplied with your enrollment is accurate. You agree to keep the information in your mobile banking profile accurate and up-to-date and you should notify us in advance if your phone number, email address or mailing address is going to change. You consent to receiving electronic communications from us through your Device and our App.

Your Responsibility Generally

You agree to use ordinary care in using the App. You agree not to share your Device or your user ID, password, passcode or other login credentials with others. You agree to protect your Device against loss, theft or unauthorized use and you agree to follow the security recommendations that we make to you from time to time. You must not leave your Device unattended while logged into the App and you must log off immediately at the completion of each session. You agree to notify us immediately if your Device is lost or stolen or if you believe the security of your user ID, password, passcode or other login credentials have been compromised. You are responsible for protecting your Device against viruses, key loggers, malware and other unwanted functionalities. You may not use your Device through an unsecured network (such as public Wi-Fi) or from a location outside the United States. You also agree to monitor the activity in your Accounts and to keep informed of any changes in terms by diligently using the App and other information we make available. You understand that we may monitor any and all communications and transactions in connection with the App. You agree to cooperate with any reviews, audits or investigations that we conduct related to your use of the App.

FAILURE TO PROTECT YOUR DEVICE, USER ID, PASSWORD, PASSCODE OR OTHER LOGIN CREDENTIALS OR FAILURE TO COMPLY WITH THESE TERMS MAY RESULT IN SOMEONE ELSE BEING ABLE TO ACCESS THE APP AND/OR YOUR ACCOUNTS IN YOUR NAME. WE WILL CONSIDER ANY ACCESS AND ANY TRANSACTION USING YOUR USER ID AND PASSWORD, PASSCODE OR OTHER LOGIN CREDENTIALS AS BEING AUTHORIZED BY YOU. YOU ASSUME, TO THE FULLEST EXTENT ALLOWED BY LAW, ALL RISK OF FRAUDULENT OR UNAUTHORIZED ACCESS AND TRANSACTIONS MADE WITH YOUR USER ID AND PASSWORD, PASSCODE OR OTHER LOGIN CREDENTIALS.

Your Responsibility for Losses

You accept responsibility for the losses we suffer in connection with providing the App to you. MORE SPECIFICALLY, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD US HARMLESS FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, LOSSES, COSTS, DAMAGES AND EXPENSES (INCLUDING REASONABLE ATTORNEY'S FEES) RELATED TO: (I) ANY THIRD PARTY CLAIMS ARISING OUT OF OUR PROVISION OF THE APP TO YOU, INCLUDING ANY RESPONSIBILITY THAT WE HAVE TO THIRD PARTIES FOR HANDLING OR BEING ASSOCIATED WITH ANY TRANSACTION YOU INITIATE OR ANY ITEM OR FILE THAT WE CREATE TO COLLECT YOUR DEPOSIT; (II) YOUR FAILURE TO FULFILL YOUR RESPONSIBILITIES OR YOUR BREACH OF ANY OF YOUR REPRESENTATIONS OR AGREEMENTS IN THESE TERMS OR ANY OTHER AGREEMENT WITH US; OR (III) YOUR ACTS, OMISSIONS, ERRORS, REQUESTS, INSTRUCTIONS, TRANSACTIONS OR DEPOSITS. YOU ARE NOT REQUIRED TO INDEMNIFY US FOR OUR WILLFUL MISCONDUCT. YOUR RESPONSIBILITY UNDER THIS PARAGRAPH SURVIVES ANY TERMINATION OF THESE SERVICES OR OUR RELATIONSHIP.

Additional App Services Terms

If you download an App, you agree to comply with the terms and conditions applicable to that App in addition to these terms. You have no right, title, or interest in any mobile application that you download or in any intellectual property relating to the mobile application. You agree not to copy, reproduce, reverse engineer, decompile or disassemble any mobile application. You agree not to use any App except to access the App. All works of authorship, trademarks, service marks, resources, tools, services, features, business methods and processes and other information and content that you may access through the App are subject to the copyright and patent notice information and other intellectual property rights information in the Terms of Use section of this Agreement, the same as if they were accessed through our Website.

Our Liability

We will use ordinary care in providing the App. We do not guarantee that the App or access to the App will be uninterrupted or error free. We are not responsible for problems with your Device, for interruptions to or problems with your Service Provider, or for losses or errors that occur during the transmission of information to or from us. We may have liability to you imposed by statute, which cannot be waived. Except for that liability, IN NO EVENT WILL WE BE LIABLE FOR DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, REGARDLESS OF WHETHER WE WERE INFORMED OF THEIR POSSIBILITY. THE APP IS PROVIDED AS IS AND WE DISCLAIM ANY AND ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, WRITTEN OR ORAL IN RESPECT OF THE APP, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. The preceding limitations of liability apply regardless of whether any limited remedy herein fails of its essential purpose.

Mobile Remote Deposit

The mobile remote deposit feature provides a way for you to deposit certain checks into your checking or savings account by using your Device to send us an image of the checks and other information. A remote deposit may not be provisionally credited to your checking or savings account until the next business day if we receive it after 8:00 p.m. Central Time or on a day that is not a business day. Funds from remote deposits will not be available immediately. Mobile Remote Deposits into new accounts (open for 60 days or less) may not be available until the fifth business day after the business day the deposit has been made. Longer delays may apply. Remote deposits are not addressed by the Funds Availability Policy that we have previously provided to you. We may nonetheless choose (but are not obligated) to treat them as subject to that policy, including the exceptions and holds referenced in that policy. In alignment with that policy, funds from the first $500 of remotely deposited checks will be available on the day we receive the deposit. Funds from remote deposits will not be made available faster than any other type of deposit. We may convert the information and images you submit in a remote deposit into a differently formatted item and may then collect that item in the manner we choose. Even though we may have sent you a confirmation or receipt, if your items are not finally paid or are returned to us for any reason, we may reverse the credit to your checking or savings account. Returned items will be available to you in a format we select.

Mobile Remote Deposit Limitations

You may not use the remote deposit feature to deposit more than ten (10) checks or more than forty thousand dollars ($40,000) on any one business day. If we allow you to exceed these limits, your remote deposit will still be subject to these terms and we will not be obligated to allow you to exceed the limits again. These limitations are subject to change at any time without advance notice. We may reject any image that you submit as a remote deposit. We may reject a remote deposit even if we have indicated to you that the image was successfully submitted. We are not responsible for the losses you may suffer because we reject an image or a remote deposit. If we reject any image that you submit as a remote deposit, you may still attempt to deposit the original paper check through other available means.

Proper Use of the Mobile Remote Deposit Feature

You agree to comply with the instructions and restrictions we provide from time to time (including the instructions provided through the App). You agree not to remote deposit any check that has been previously negotiated or: (i) any check drawn on an Account that you own; (ii) any check drawn on a financial institution located outside the United States; (iii) any check that is damaged, illegible, altered or incomplete; (iv) any check that is marked "nonnegotiable," that is more than six (6) months old or that is not the original of the check; (v) any US Treasury check; or (vi) any other check that we designate as ineligible. You are responsible for assuring that:

1. each check you remote deposit is properly indorsed before you make an image of it (and, after you receive a message that the check has been "successfully submitted," you must write the words "ALREADY DEPOSITED" on the front of your check);
2. each image you submit is completely legible and that it accurately represents all of the information on the front and back of the original check, including all endorsements;
3. all information you remote deposit with each check image accurately reflects the original check and the image of the check you send us;
4. no remote deposit will include any duplicate checks and no remote deposit will include any amount for a check that has already been presented to or deposited with us or any other institution;
5. no check reflected in a remote deposit with us or any image of such a check will be subsequently transferred to anyone else or presented to or deposited with another institution;
6. after you make your remote deposit, the original paper checks will be stored securely in a locked drawer, cabinet or container accessible only by you for no less than fourteen (14) days and no more than one hundred eighty (180) days and you will make those original checks available to us on request; and
7. the original checks will be completely and securely destroyed following the above time period, unless doing so would be a violation of law (original checks should not be disposed of in the garbage unless they are shredded first). You may not make or keep any other copies of the checks you remote deposit.

When you submit an item for remote deposit, you should receive a message indicating that it has been "successfully submitted." Notify us right away if you do not receive this message. If you do not notify us within one (1) business day after submitting your item you agree not to make a later claim about that remote deposit. You agree not to use the feature in any manner or in connection with any activity that constitutes a violation of any law or that may subject us to legal action.

Your Responsibility for Mobile Remote Deposits

Each time you use the remote deposit feature, you are authorizing us to accept the relevant deposit to your Account and you are representing to us that:

1. the remote deposit is of a check payable to and endorsed by you and reflects a bona fide payment to you by the drawer of the check;
2. the check is not being deposited, directly or indirectly, for the benefit of any other person or entity;
3. you are not aware of any reason that the check will not be paid; and
4. as to each check reflected in a remote deposit: (i) you are a person entitled to enforce the check; (ii) the check has not been altered; (iii) the check bears all endorsements applied by parties that previously handled the check in any form (if any); and (iv) no person will be charged for the check, or another paper or electronic representation of the check, such that they will be asked to make payment for a check or item that they have already paid.

For each check and the item it is converted into, you also accept the same responsibilities and liabilities that you would have had if you had deposited the original check in person. You have all these responsibilities and are subject to these terms with respect to every remote deposit that is made using your user ID and password. You agree to notify us immediately if any original checks are lost or stolen after they are deposited.

Passcode

You may change your four (4) digit code at any time. In the event that it is necessary for you to obtain a new mobile banking user ID and password, you will need to log in with your new credentials to reactivate the Passcode feature.

If you forget your Passcode you will need to log in with your user ID and password to reset your Passcode.

When creating your Passcode, you should NOT choose:

• A numeric code that represents your date of birth; or
• A series of consecutive numbers or the same numbers.

You should never record your Passcode on your Device. Refer to "Passwords; Security" in the Terms Applicable to Web and App Services section for information and requirements regarding keeping Passcodes secure.

Joint Account Holders

Each joint Account holder must establish a separate mobile banking user ID and password.

Passcode on Multiple Devices

If you have already opted in to the Passcode feature on your Device you will be permitted to use Passcode on additional Devices. In order to register an additional Device you will be required to enter your existing online banking user ID and password.

Passcode Restrictions

You agree not to: (i) Disclose your Passcode to any other person that is not contractually bound to your Account; or (ii) allow a non-qualified person to use your Passcode for the purpose of registering another Device for Passcode.

We do not guarantee the delivery or the accuracy of any content accessed through the Passcode feature. We are not responsible for: (i) Inaccurate or incomplete content; or (ii) your dependence on or use of the information provided for any purpose; or (iii) security relating to the content delivered through Passcode.

Your Documents

Your Documents, including but not limited to, this Agreement, our Privacy Policies and Privacy Notices, account statements, administrative fee notifications, new account agreements, deposit agreements, account re-disclosures, other agreements and notifications relating to your Accounts and any disclosures required now or in the future by applicable law or regulation. Your Documents do not include tax documents unless you separately enroll to receive them electronically, as applicable. If you do not consent to receiving Your Documents electronically, you should not enroll in Paperless Statements.

Generally, you will receive a notification that Your Documents are available at our website via an email sent to the address you provide, subject to the terms and conditions of your agreement with your Service Provider. Your receipt of emails may be delayed or prevented by factors affecting your Service Provider and other factors outside our control. We are not responsible for: (a) inaccurate or incomplete content in an email (except that we use reasonable care to achieve accuracy and completeness at the time we send it); (b) non-delivery, delayed delivery, or misdirected delivery of an email; (c) your dependence on or use of the information provided in an email; or (d) security relating to the delivery of an email.

Checks (not applicable for FNBO Direct Accounts)

You understand that the actual checks drawn on your Account will not automatically be returned to you. We do not honor checks drawn against any FNBO Direct accounts. Your (paperless) statement will contain information about the checks we have paid. Images of those checks will be available to you for as long as the law requires. We may destroy the originals. Should you need a copy of a check, please refer to the Statement/Check Request section on our Website or you may call us at the number listed under the Contact Us tab on our Website or App.

Email Address Change

You are responsible for providing us a current, accurate email address. If your email address changes, please update it by selecting Profile, Contact Information setting on our Website or App or you may call us at the phone number found under the Contact Us tab on our Website or App. You will be responsible for maintaining an accurate email address at which to receive email notifications.

Your Right to Request a Paper Copy of Your Documents

With Paperless Statements, we will not normally mail your paper copies of Your Documents sent to you electronically. To obtain a paper copy, please call us at the phone number found under the Contact Us tab on our Website or App. Fees for paper copies may apply and may be billed to your account.

You Have the Right to Withdraw Consent

You may withdraw your consent to receive Your Documents electronically at any time, at no charge, by updating your selections in the Account Settings, Paperless Statements section on the Website or App or you may call us at the number found under the Contact Us tab on our Website or App. Withdrawal of your previously given consent will not apply to communications predating withdrawal of your consent and before we have a reasonable opportunity to act.

You Have Hardware and Software that Meet the Following Requirements

In order to access, view, and retain communications electronically, you must have an up-to-date device (e.g. computer, tablet, smart phone, etc.). Additionally, you will need to have a current Internet or mobile browser along with software that allows you to view files in Portable Document Format ("PDF") or HyperText Markup Language ("HTML"). Please also ensure that you have the ability to print communications or sufficient electronic storage capacity on your device to retain the communications. You should retain communications or printed copies of them for your records.

You should print or save this Agreement and Your Documents and retain a copy for your records.

Your Documents

Your Documents means, including but not limited to, this Agreement, our Privacy Policies and Privacy Notices, account statements, administrative fee notifications, new account agreements, account re-disclosures, other agreements and notifications relating to your Accounts and any disclosures required now or in the future by applicable law or regulation. Your Documents do not include tax documents. If you do not consent to receiving Your Documents electronically, you should not enroll in Paperless Statements.

Generally, you will receive a notification that Your Documents are available at our website via an email sent to the address you provide, subject to the terms and conditions of your agreement with your Service Provider. Your receipt of emails may be delayed or prevented by factors affecting your Service Provider and other factors outside our control. We are not responsible for: (a) inaccurate or incomplete content in an email (except that we use reasonable care to achieve accuracy and completeness at the time we send it); (b) non-delivery, delayed delivery, or misdirected delivery of an email; (c) your dependence on or use of the information provided in an email; or (d) security relating to the delivery of an email.

Paperless Statements

If you enroll to receive Paperless Mortgage Statements, you will only receive paperless monthly mortgage statements ("Paperless Mortgage Statements"). Any other documents that are not Paperless Mortgage Statements will still be sent to you via mail. Therefore, even if you opt into Paperless Mortgage Statements, you may receive mailings from us. It is your responsibility to ensure that you give the Bank a valid and accurate mailing address (physical and email) so that you receive all documents pertaining to your loan. It is also your responsibility to notify the Bank in the event that your mailing address changes (both physical and email).

Documents other than Paperless Mortgage Statements may be available to view online in your account. You will not be notified when documents are available, with the exception of Paperless Mortgage Statements. You will only be notified via e-mail when monthly mortgage statements are available to view.

You Are Responsible for Updating Your Email Address

You are responsible for providing us a current, accurate email address. If your email address changes, please update it by logging into your account, selecting your loan on the "Accounts" page, clicking the "My Loan" tab, and pressing "Edit" under "Loan Information." This will only change your email address for your mortgage account.

You Are Responsible for Updating Your Mailing Address

Even if you choose to receive Paperless Mortgage Statements, you are responsible for providing us a current, accurate mailing address. If your mailing address changes, please update it by logging into your account, selecting your loan on the "Accounts" page, clicking the "My Loan" tab, and pressing "Edit" under "Loan Information." This will only change your mailing address for your mortgage account.

You Have the Right to Withdraw Consent

You have the right to withdraw your consent to receive Paperless Mortgage Statements electronically at any time, at no charge, by logging into your account, selecting your loan on the "Accounts management" tab, clicking "Account Settings," selecting "Mail" under Statement Delivery Preferences, and entering a valid mailing address. When you select "Mail," you will no longer receive Paperless Mortgage Statements. This action only withdraws consent to receive Paperless Mortgage Statements and does not affect your consent to receive paperless statements for other accounts you may have. Withdrawal of your previously given consent will not apply to communications predating withdrawal of your consent and before we have a reasonable opportunity to act.

Your Right to Request a Paper Copy of Your Documents

With Paperless Statements, we will not normally mail you paper copies of Your Documents sent to you electronically. To obtain a paper copy, call us at the phone number found under the Contact Us tab on our Website and App. Fees for paper copies may apply and may be billed to your account.

You Have Hardware and Software that Meet the Following Requirements

In order to access, view, and retain communications electronically, you must have an up-to-date device (e.g. computer, tablet, smart phone, etc.). Additionally, you will need to have a current Internet or mobile browser along with software that allows you to view files in Portable Document Format ("PDF") or HyperText Markup Language ("HTML"). Please also ensure that you have the ability to print communications or sufficient electronic storage capacity on your device to retain the communications. You should retain communications or printed copies of them for your records.

You should print or save this Agreement and Your Documents and retain a copy for your records.

General Restrictions Concerning Use of Our Services

As a condition to the use of our Services, you agree not to use our Services for any purpose or transaction that is unlawful or prohibited by these Terms of Use or any other agreement you have with us. You also agree not to use our Services in any manner which could: (i) damage, disable, overburden, or impair any of our Services or anyone else's website, applications or services; or (ii) interfere with any other party's access to or use of our Services or anyone else's website, applications or services. You agree not to obtain or attempt to obtain access to, or use of, any aspect of our Services through any means we do not intentionally make available on any of our Services. You agree not to frame our Website or App, or to mirror our Website or App, on any other website or application and agree not to link to any portion of our Website other than our home page. Unauthorized use of our Website, App, any of our other Services and systems, including but not limited to, unauthorized use of our systems, misuse of passwords, or misuse of any information posted to our Website or App, is strictly prohibited.

We retain title, all intellectual and proprietary rights (including, without limitation, patent, copyright, trademark and trade secret rights), and all other rights in and to our Services, Website, App, all information, resources, content, tools, services and other features accessible on the Website and App, all our business methods and processes, and all modifications, improvements, enhancements and new functionalities added to any of the foregoing. Except for the access and usage privileges that we specifically grant to you in and subject to these Terms of Use, nothing shall be deemed to grant you any right, title, interest or license in or to any of the foregoing. All privileges granted to you are limited, non-exclusive, non-transferable, and revocable.

Except as otherwise expressly stated herein, our intellectual property (including, without limitation, patent, copyright, trademark and trade secret rights) may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent. You may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

Notification of Claimed Infringement

This notice is issued pursuant to the Online Copyright Infringement Liability Limitation Act.

If you believe that any material or content posted on a Website or App constitutes copyright infringement, please forward the following information in writing to the email address listed below (a "Notice"): (i) your address, telephone number, and email address; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the alleged infringing material is located; (iv) a statement by you that you have a good faith belief that the disputed use is not authorized by you, the copyright owner, its agent, or the law; (v) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and (vi) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by us, any alleged infringer, or any copyright owner or its authorized agent or licensee.

Notice must be emailed to: FNBOCopyrightOffice@fnni.com

Patent Notice

The Bank and its affiliates are licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States Patents: 5,561,707; 5,828,734; 5,684,863; 5,815,551; 5,974,120; 5,917,893; 5,898,762; and others.

Information Accuracy

This information on any of our Services is for information purposes only. It is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. Although we strive for accuracy, some information and resources provided to you using these Services may contain technical or other errors, inaccuracies or omissions, typographical errors, and may become outdated. Information on any of our Services including without limitation, product descriptions, definitions, explanations of uses, frequently asked questions, glossary of terms, and helpful hints are provided for your convenience only. We may change our products, services, terms, conditions and pricing at any time without notice and without first updating our Services. Nothing on any of our Services is intended to provide legal, accounting, tax or financial advice; you should consult your own professional advisor on such matters. Tools that you may access through the Services (such as loan or investment calculators) are provided for your convenience, but are not guaranteed to be error-free.

Limitation of Liability and Disclaimer

THE INFORMATION CONTAINED IN OR ACCESSED VIA ANY OF OUR SERVICES IS PROVIDED "AS IS" AND "AS AVAILABLE". NEITHER WE NOR ANY THIRD PARTY DATA PROVIDER IS PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE SERVICES. WE AND ALL THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO OUR SERVICES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, WE AND OUR AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN ANY OF OUR SERVICES, OR FOR THE INCOMPATIBILITY BETWEEN A WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER WEBSITE ACCESSING PROGRAM. NOR WILL WE BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND OUR OR OUR AFFILIATES' CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

NEITHER WE NOR ANY THIRD PARTY DATA PROVIDERS WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON ANY OF OUR SERVICES AND EACH EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN ALL MATERIALS AND INFORMATION.

NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING OUR RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE OF ANY OF OUR SERVICES, REGARDLESS OF WHETHER WE HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

IF YOU ARE DISSATISFIED WITH ANY ASPECT OF THE SERVICES YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESS.

Links to Other Websites

The Services may contain links to other websites. We are not responsible for the content, accuracy, or opinions expressed in such websites, and such websites are not investigated, monitored, or checked for accuracy or completeness by us. Inclusion of any linked website does not imply approval or endorsement of the linked website by us.

Other Terms

These Terms of Use do not supersede the agreements, terms and disclosures or other supporting documents applicable to other products or services that you may have previously acquired from us or that you may acquire from us in the future including, without limitation, the terms applicable to your Accounts. You should review those specific terms and conditions.

Information Submissions

All information submitted via the Website or App by a visitor to the Website or App shall be deemed and remain our property and by sending us such information you: (i) grant us an unrestricted, royalty-free, perpetual, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute that information; and (ii) agree that we are free to use any ideas, expressions of ideas, concepts, know-how, designs, techniques for any purpose whatsoever including, but not limited to developing, manufacturing and marketing products incorporating such information that you send us. We shall not be subject to any obligations of confidentiality regarding such submitted information except as agreed by our entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing our responsibilities and obligations to customers in accordance with our Privacy Policy posted on our Website.

Violations of Terms; Indemnity

We reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular internet address to a Website or a particular mobile device. You will defend us against any claim made regarding a mobile number that you provided to us as your own number, but it was not your number when you provided it to us. You agree to indemnify, defend and hold us harmless from any liability, loss, claim and expense, including attorney's fees, related to your violation of these Terms of Use or your use of these Services.

Governing Law; Venue

Unless we otherwise agree in writing, Nebraska law governs these Terms of Use and all aspects of our relationship with you. If any part of these Terms of Use is invalid or unenforceable, the remainder will stay in effect.

Area of Service

These Services are not necessarily available everywhere, will not be available without a valid Account, and may or may not be available outside of the United States. Any access to the Services outside of the United States is not recommended and is done at your own risk. Information about products and services is provided for informational purposes only and should not be considered an offer to make those products and services available to you. We have no obligation to provide a product or service until: (i) we have received and approved an application in the form we require; and (ii) you have signed a separate written agreement in the form we require (if any). We may require in-person closings for certain products.

Waiver

We will not be deemed to have waived any of our rights or remedies unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.