Common use of Relationship to Other Agreements Clause in Contracts

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions of your agreements with any unaffiliated service providers, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking you will contact us directly. Your Instructions through Mobile Banking. Instructions received by the Bank through the use of Mobile Banking, to transfer funds or make a payment of any kind, shall be deemed your authorization to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through Mobile Banking. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating to Mobile Banking including without limitation welcome messages, information and requests for information relating to the use of Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Services.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all of your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providers, yours; including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), providers and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile Banking, including downloading the Software, receiving or sending Mobile Banking text messages, or other use of your wireless device when using the software or other products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Banking, you will contact us directly. Your Instructions through Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other financial information which may be accessed via Mobile Banking. Instructions received by You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the Bank right to provide such information to us for the purpose of operating the Mobile Banking service. You agree to not misrepresent your identity or account information. You agree to keep your account information up to date and accurate. Proprietary Rights. You may not copy, reproduce, distribute, or create derivative works from this consent. Further, you agree not to reverse engineer or reverse compile any Mobile Banking technology, including, but not limited to, any software or other mobile phone applications associated with the Mobile Banking service. User conduct. You agree not to use Mobile Banking, or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking; (i) interfere with or disrupt the use of Mobile Banking, Banking by any other use; or (j) use Mobile Banking in such a manner as to transfer funds gain unauthorized entry or make a payment of any kind, shall be deemed your authorization access to the Bank to withdraw the funds from the designated account required to complete the transactioncomputer systems of others. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims No Commercial Use or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through Mobile BankingResale. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating to the Mobile Banking including without limitation welcome messages, information and requests services are for information relating personal use only. You agree not to the resell or make commercial use of Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Services.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providersyours, including but not limited to, your mobile service carrier or provider (provider, e.g., AT&TAt&t, Verizon, Sprint, T-MobileTMobile, Alltel, etc.), and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile Banking, including while downloading the Software, receiving or sending Mobile Banking text messages, or other use of your wireless device Mobile Device when using the Software or other products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Banking, you will contact us directly. Your Instructions through MOBILE BANKING SOFTWARE LICENSE You are hereby granted a personal, limited, non—transferable, non—exclusive, non—sublicensed and nonassignable license (“License”) to download, install and use the Software application on your Mobile Device within the United States and its territories. In the event that you obtain a new or different Mobile Device, you will be required to download and install the Software application to that new or different Mobile Device. This License shall be deemed revoked immediately upon (i) your termination of Mobile Banking in accordance with this Agreement; (ii) your deletion of the Software application from your Mobile Device; or (iii) our written notice to you at any time with or without cause. If this License is revoked for any of the foregoing reasons, you agree to promptly delete the Software application from your Mobile Device. YOUR OBLIGATIONS When you use Mobile Banking to access Accounts you designate during the Online Banking registration process, you agree to the following requirements: ACCOUNT OWNERSHIP/ACCURATE INFORMATION You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking. Instructions received by the Bank through the use of Mobile Banking, You represent and agree that all information you provide to transfer funds or make a payment of any kind, shall be deemed your authorization to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank us in connection with Mobile Banking is accurate, current, and complete, and that you have the instructions received by right to provide such information to us for the Bank’s system relating to your account. Communications through purpose of operating Mobile Banking. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating not to Mobile Banking including without limitation welcome messages, information and requests for information relating to the use of Mobile Banking, as well as other permitted communicationsmisrepresent your identity or your account information. You agree to keep your account information up to date and accurate. USER CONDUCT You agree not to use Mobile Banking carefullyBanking, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in or the content or information delivered through Mobile Banking should you observe in any material errors in the Mobile Banking Services.way that would:

Relationship to Other Agreements. You agree that when you use Mobile “Online Banking”, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including including, but not limited to, your mobile service carrier or provider (e.g., AT&TAT& T, Verizon, Sprint, T-MobileUS Cellular, United Wireless, etc.), and that this Agreement “Agreement” does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking “Online Banking” (for example, your mobile service carrier provider may impose data usage or text message charges for your use of or interaction with Mobile “Online Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking)”, and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, services and that your mobile service carrier provider is not the provider of Mobile “Online Banking”. Accordingly Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving usStockgrowers State Bank. You also agree that if you have any problems with Mobile Banking “Online Banking”, you will contact us directly. Your Instructions through Mobile financial information which could be accessed via “Online Banking. Instructions received by the Bank through the use of Mobile Banking, to transfer funds or make a payment of any kind, shall be deemed your authorization to the Bank to withdraw the funds from the designated account required to complete the transaction”. You shall at represent and agree that all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank information you provide to us in connection with “Online Banking” is accurate, current and complete, and that you have the instructions received by right to provide such information to us for the Bank’s system relating purpose of using “Online Banking” You agree not to misrepresent your accountidentity or your account information. Communications through Mobile You agree to keep your account information up-to-date and accurate. You represent that you are an authorized user of the “Device” you will use to access “Online Banking”. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating are authorized to Mobile Banking including without limitation welcome messages, information and requests for information relating to the use of Mobile act on communication initiated through your “Online Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Services” Account.

Relationship to Other Agreements. You agree that when you use Mobile BankingPrime Mobile, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms Terms and conditions Conditions of your existing agreements with any unaffiliated service providers, including including, but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, Alltel, etc.), and that this Agreement Addendum does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Prime Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile BankingPrime Mobile, including while downloading the Software, receiving or sending Prime Mobile Banking text messages, or other use of your wireless mobile device when using the Software or other products and services provided by Mobile BankingPrime Mobile), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile BankingPrime Mobile. Accordingly Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with the Prime Mobile Banking service, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by the Bank through the use of Mobile Banking, to transfer funds or make a payment of any kind, shall be deemed your authorization The following terms and conditions apply to the Bank Prime Mobile service. Prime Mobile is offered as a convenience and supplemental service to withdraw our Prime Online. It is not intended to replace access to Prime Online from your personal computer or other methods you use for managing your accounts and services with us. Prime Mobile allows you to access your account information, transfer funds, and conduct other financial transactions. We reserve the funds from right to limit the designated account required types and number of devices or accounts eligible and the right to complete refuse to make any transaction you request through Prime Mobile. We also reserve the transactionright to modify the scope of the Prime Mobile service at any time. You shall We may offer additional Prime Mobile services and features in the future. Any such added services and features will be governed by this agreement and by any terms and conditions provided to you at all times indemnifythe time the new Prime Mobile service or feature is added and/or at the time of enrollment for the feature or service, defend if applicable. When such services are developed, you will have the opportunity to add them to your Prime Mobile service, provided you have a compatible Mobile Device. From time to time, we may amend these terms and hold modify or cancel the Bank harmless from and against all actionsPrime Mobile services we offer without notice, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which except as may be brought against required by law. Prime Mobile may not be accessible or may have limited utility over some network carriers. In addition, the Bank Prime Mobile service may not be supportable for all devices. The Credit Union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or incurred by the Bank in connection with the instructions received by the Bank’s system relating to "out of range" issues. Your wireless carrier may assess you fees for data or text messaging services. Please consult your account. Communications through Mobile Banking. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating to Mobile Banking including without limitation welcome messages, information and requests wireless plan or provider for information relating to the use of Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Servicesdetails.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providersyours, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreementsprovider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Banking, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by Neither we nor any of our service providers assume responsibility for the Bank through the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, to transfer funds security, functionality or make a payment availability of any kind, shall be deemed your authorization Mobile Device or mobile network which you utilize to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Mobile Device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we and nor our service providers may send will be liable for any delays in the content, or for any actions you by e-mail, text take in reliance thereon. If you need current account information you agree to contact us directly. Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other methods, communications relating financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking including without limitation welcome messagesis accurate, current and complete, and that you have the right to provide such information and requests to us for information relating to the use purpose of operating Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, not misrepresent your identity or your account information. You agree to keep your password confidential account information up to date and secure accurate. User Conduct. You agree not to use Digital Services or the content or information delivered through Online and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe in any material errors way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the Software application (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Online and Mobile Banking Servicesto impersonate another person or entity; (c) violate any law, statute, ordinance or regulation, including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising; (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Online and Mobile Banking; (i) interfere with or disrupt the use of Online and Mobile Banking by any other user; or (j) use Online and Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions of your agreements with any unaffiliated service providers, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking you will contact us directly. Your Instructions through Mobile Banking. Instructions received by the Bank through the use of Mobile Banking, to transfer funds or make a payment of any kind, shall be deemed your authorization to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through Mobile Banking. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating to Mobile Banking including without limitation welcome messages, information and requests for information relating to the use of Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep your password Password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Services.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providersyours, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreementsprovider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations limitations, and restrictions. You agree that only your mobile service carrier or provider is responsible for its forits products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Banking, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by Neither we nor any of our service providers assume responsibility for the Bank through the timeliness, deletion, mis delivery or failure to store any user data, communications, or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, to transfer funds security, functionality or make a payment availability of any kind, shall be deemed your authorization Mobile Device or mobile network which you utilize to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Mobile Device and to use good judgmentand discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking and may not becurrent. You agree that neither we and nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. Account Ownership/Accurate Information. You represent that you are the legal owner of the accountsand other financial information which may send be accessed via Mobile Banking. You represent and agree that all information you by e-mail, text and other methods, communications relating provide to us in connection with Mobile Banking including without limitation welcome messagesis accurate, current and complete, and that you have the right to provide such information and requests to us for information relating to the use purpose of operating Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep not misrepresent your password confidential and secure and not share it with others, to check identity or your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Services.account

Relationship to Other Agreements. You agree that when you use Mobile BankingPrime Mobile, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms Terms and conditions Conditions of your existing agreements with any unaffiliated service providers, including including, but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, Alltel, etc.), and that this Agreement Addendum does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Prime Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile BankingPrime Mobile, including while downloading the Software, receiving or sending Prime Mobile Banking text messages, or other use of your wireless mobile device when using the Software or other products and services provided by Mobile BankingPrime Mobile), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile BankingPrime Mobile. Accordingly Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with the Prime Mobile Banking service, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by the Bank through the use of Mobile Banking, to transfer funds or make a payment of any kind, shall be deemed your authorization The following terms and conditions apply to the Bank Prime Mobile service. Prime Mobile is offered as a convenience and supplemental service to withdraw our ePrime Services. It is not intended to replace access to Prime Online from your personal computer or other methods you use for managing your accounts and services with us. Prime Mobile allows you to access your account information, transfer funds, and conduct other financial transactions. We reserve the funds from right to limit the designated account required types and number of devices or accounts eligible and the right to complete refuse to make any transaction you request through Prime Mobile. We also reserve the transactionright to modify the scope of the Prime Mobile service at any time. You shall We may offer additional Prime Mobile services and features in the future. Any such added services and features will be governed by this agreement and by any terms and conditions provided to you at all times indemnifythe time the new Prime Mobile service or feature is added and/or at the time of enrollment for the feature or service, defend if applicable. When such services are developed, you will have the opportunity to add them to your Prime Mobile service, provided you have a compatible Mobile Device. From time to time, we may amend these terms and hold modify or cancel the Bank harmless from and against all actionsPrime Mobile services we offer without notice, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which except as may be brought against required by law. Prime Mobile may not be accessible or may have limited utility over some network carriers. In addition, the Bank Prime Mobile service may not be supportable for all devices. The credit union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or incurred by the Bank in connection with the instructions received by the Bank’s system relating to "out of range" issues. Your wireless carrier may assess you fees for data or text messaging services. Please consult your account. Communications through Mobile Banking. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating to Mobile Banking including without limitation welcome messages, information and requests wireless plan or provider for information relating to the use of Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Servicesdetails.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providersyours, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreementsprovider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Banking, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by Neither we nor any of our service providers assume responsibility for the Bank through the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, to transfer funds security, functionality or make a payment availability of any kind, shall be deemed your authorization Mobile Device or mobile network which you utilize to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Mobile Device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we and nor our service providers may send will be liable for any delays in the content, or for any actions you by e-mailtake in reliance thereon. If you need current account information, text you agree to contact us directly. Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other methods, communications relating financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking including without limitation welcome messagesis accurate, current and complete, and that you have the right to provide such information and requests to us for information relating to the use purpose of operating Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, not misrepresent your identity or your account information. You agree to keep your password confidential account information up to date and accurate. Address, Email, or Payment Account Changes. We will also send you emails and/or secure messages through Online Services regarding important Online Services and bill payment matters and/or changes to this Agreement. You must provide us your current email address in order for us to deliver this information to you. It is solely your responsibility to ensure that your contact information is current and accurate. This includes, but is not share it with otherslimited to, to check your statements and transactions regularlyname, to report any errors to us promptlyaddress, phone numbers, and email addresses. Changes can be made either within online banking or by contacting us. Any changes to cancel your participation immediately Eligible Account(s), Payment Account, or Billing Account should also be made in accordance with the procedures outlined above. We are not responsible for any bill payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information. User Conduct. You agree not to use Digital Services or the content or information delivered through Online and Mobile Banking should you observe in any material errors way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the Software application; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Online and Mobile Banking Servicesto impersonate another person or entity; (c) violate any law, statute, ordinance or regulation, including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising; (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Online and Mobile Banking; (i) interfere with or disrupt the use of Online and Mobile Banking by any other user; or (j) use Online and Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

Relationship to Other Agreements. You agree that when you use Mobile Digital Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providersyours, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreementsprovider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Digital Banking, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by Neither we nor any of our service providers assume responsibility for the Bank through the use of Mobile Bankingtimeliness, deletion, misdelivery or failure to transfer funds store any user data, communications or make a payment of any kind, shall be deemed your authorization to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank personalization settings in connection with your use of Digital Banking. Neither we nor any of our service providers assume responsibility for the instructions received by the Bank’s system relating operation, security, functionality or availability of any Mobile Device or mobile network which you utilize to your account. Communications through Mobile access Digital Banking. You agree to exercise caution when utilizing the Digital Banking application on your Mobile Device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Digital Banking reflects the most recent account information available through Digital Banking, and may not be current. You agree that neither we and nor our service providers may send will be liable for any delays in the content, or for any actions you by e-mail, text take in reliance thereon. If you need current account information you agree to contact us directly. Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other methodsfinancial information which may be accessed via Digital Banking. You represent and agree that all information you provide to us in connection with Digital Banking is accurate, communications relating current and complete, and that you have the right to Mobile Banking including without limitation welcome messages, provide such information and requests to us for information relating to the use purpose of Mobile operating Digital Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, not misrepresent your identity or your account information. You agree to keep your password confidential account information up to date and secure and accurate. User Conduct. You agree not share it with othersto use Digital Banking or the content or information delivered through Digital Banking in any way that would: (a) infringe any third-party copyright, to check your statements and transactions regularlypatent, to report trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors rights in the Mobile Software application (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Digital Banking Servicesto impersonate another person or entity; (c) violate any law, statute, ordinance or regulation, including, but not limited to, those governing export control, consumer protection, unfair competition, anti- discrimination or false advertising; (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Digital Banking; (i) interfere with or disrupt the use of Digital Banking by any other user; or (j) use Digital Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

Relationship to Other Agreements. You agree that when you use Mobile Bankingthe Electronic Services, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the Related Agreements, as well as the terms and conditions of your agreements with any unaffiliated your service providers, including but not limited toservice carriers or providers (“Other Agreements”). You understand that except as expressly set forth herein, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreementsthe Related Agreements or Other Agreements. You understand that those agreements the Related Agreements and/or Other Agreements may provide for fees, limitations limitations, and restrictions which might may impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Online Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations limitations, and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier service carriers or provider directly with your carrier or provider providers without involving us. You also agree that if you have any problems with Mobile Banking Online Banking, you will contact us directly. Your Instructions USE OF ONLINE BANKING SERVICES You may use Online Banking to manage your accounts and perform transactions and account maintenance. Services available through Online Banking include, but are not limited to, the services listed below. The Credit Union, from time to time, may add, delete, or enhance these service offerings: Review account balance and transaction history for your accounts, including checks that have cleared, deposits credited, and pending transactions Transfer funds between accounts Conduct account transfers to other credit union accounts Make loan or MasterCard payments Schedule future or recurring transfers and/or payments Make External Transfers to non-Community Financial accounts you own Download your account information to financial management software programs Make bill payments to an individual or business (payee), review bill payment history, and make scheduled bill payment changes Communicate with us via a secured message center Open a new sub-account Apply for a loan or open a deposit account Retrieve and review eStatements and eNotices USE OF MOBILE BANKING SERVICES Mobile BankingBanking is a personal financial account management Service that allows you to view your account balances and recent account activity, and conduct certain transactions using an internet connection and compatible and supported mobile phones and/or other compatible and supported wireless devices. Instructions received by the Bank through the In order to use of Mobile Banking, to transfer funds or make a payment of any kind, shall be deemed your authorization to you must obtain and install the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through Mobile Banking. You agree that we and our service providers may send you by e-mail, text and other methods, communications relating to Mobile Banking including without limitation welcome messagesApplication (“Mobile App”) on your device. At present, information and requests for information relating to the use of Mobile Banking, as well as other permitted communications. You agree to you may use Mobile Banking carefullyto perform the same functions as Online Banking, with the addition of the ability to keep your password confidential and secure and not share it with othersmake deposits of images of paper checks using remote deposit capture (RDC) technology (“Mobile Deposit”), to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors as set forth in the separate Mobile Banking ServicesDeposit Terms and Conditions document. We may add services and features from time to time. By accepting this agreement now and installing and using the Mobile App and any subsequent updates, you agree that these terms and conditions apply to future Mobile App services.

Relationship to Other Agreements. You agree that when you use Mobile Banking, except where expressly modified by this Agreement you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also understand and agree that you will continue to be subject to the terms and conditions or any service providers of your agreements with any unaffiliated service providersyours, including but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, etc.), and that this Agreement does not amend or supersede any of those agreementsprovider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with Mobile Banking, including receiving Mobile Banking text messages, or other use of your wireless device when using the products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services. Accordingly, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking Banking, you will contact us directly. Your Instructions through Mobile Banking. Instructions received by Neither we nor any of our service providers assume responsibility for the Bank through the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, to transfer funds security, functionality or make a payment availability of any kind, shall be deemed your authorization Mobile Device or mobile network which you utilize to the Bank to withdraw the funds from the designated account required to complete the transaction. You shall at all times indemnify, defend and hold the Bank harmless from and against all actions, proceedings, claims or loss, damage, costs and expenses (including reasonable attorney fees) which may be brought against the Bank or incurred by the Bank in connection with the instructions received by the Bank’s system relating to your account. Communications through access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Mobile Device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we and nor our service providers may send will be liable for any delays in the content, or for any actions you by e-mail, text take in reliance thereon. If you need current account information you agree to contact us directly. Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other methods, communications relating financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking including without limitation welcome messagesis accurate, current and complete, and that you have the right to provide such information and requests to us for information relating to the use purpose of operating Mobile Banking, as well as other permitted communications. You agree to use Mobile Banking carefully, not misrepresent your identity or your account information. You agree to keep your password confidential account information up to date and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly, and to cancel your participation immediately in Mobile Banking should you observe any material errors in the Mobile Banking Servicesaccurate.