Common use of Security of Your Mobile Device and Account Information Clause in Contracts

Security of Your Mobile Device and Account Information. You are responsible for (i) maintaining the confidentiality and security of your Mobile Devices, access number(s), password(s), number(s), login information, and any other security or access information, used by you to access the Service and (ii) preventing unauthorized access to or use of the information, files or data that you store, transmit or use in or with the Service. You agree not to supply your login information to anyone. You will be responsible for all electronic communications, including image transmissions, text message, email and other data entered using the login information. Any communications received through the use of your login information will be deemed to be sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of your login information, including your Mobile Device. We reserve the right to deny you access to the Service (or any part thereof) if we believe that any loss, theft or unauthorized use of your login information has occurred. Rev 10/2014 Image Quality. The image of a check or item transmitted to CoreFirst Bank & Trust using the Service must be legible. The image quality of the checks and items must comply with the standards established from time to time by the American National Standards Institute, or any higher standard set by us, and with any requirements set by any clearing house we use or agreement we have with respect to processing checks or items. You agree that we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection of or the delayed or improper crediting of such a check or item, or from any inaccurate information you supply regarding the check or item. Endorsements and Procedures. Before transmission, you will make sure that you endorse any check or item transmitted through the Service. You agree to follow any and all other procedures and instructions for use of the Service as we may establish from time to time. You agree to supply any information in your possession that we request regarding a check or item deposited or attempted to be deposited through the Service. Receipt of Checks and Items; Crediting. We reserve the right to reject any check or item transmitted through the Service, at our discretion, without liability to you. We are not responsible for checks or items we do not receive in accordance with this Addendum or for images that are dropped or damaged during transmission. An image of a check or item shall be deemed received when you receive a confirmation email from CoreFirst Bank & Trust that we have received the image. As provided in the relevant deposit agreement governing your Mobile Deposit Account and subject to CoreFirst Bank & Trust Funds Availability Disclosure, deposits received and accepted before a particular time of the day (the “Cutoff Time”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. You understand and agree that checks and items must be received and accepted by CoreFirst Bank & Trust before the applicable Cutoff Time and must not be incomplete, illegible or erroneous to be eligible for same-day crediting. See the Mobile Banking Q&A for details on Cutoff Time for this Service. Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means you will not be able to draw cash against deposits made through the service until the deposit has been posted to your account. Deposits made through the service are posted during our nightly processing. You enter the amount of the check as a deposit is made through the Service. If we determine that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check will be deposited for the amount read by us. Availability of Funds. We will make fund available for checks and items received, accepted, and successfully processed through the Service according to our standard funds availability policy for your Mobile Deposit Account. Disposal of Transmitted Checks and Items. After a check or item has posted to your account (see the Q&A for more details), you agree to prominently mark the check or item as “Electronically Presented.” You agree never to re-present to us or any other party a check or item that has been deposited through the Service unless we notify you that the check or item will not be accepted for deposit through the Service. You will promptly provide any check or item, or a sufficient copy of the front and back of the check or item, to CoreFirst Bank & Trust as requested to aid in the clearing and collection process and to resolve claims by third parties with respect to any check or item. You agree to destroy or otherwise properly dispose of checks and items that have been accepted for deposit through the Service and have cleared to ensure that such checks and items are not re-presented for payment and, prior to disposal or destruction, to safeguard such checks and items.

Security of Your Mobile Device and Account Information. You are responsible for (i) maintaining the confidentiality and security of your Mobile Devicesmobile devices, access number(s), password(s), account number(s), login information, and any other security or access information, information used by you to access the Service RDA (collectively, “Access Information”), and (ii) preventing unauthorized access to or use of the information, files or data that you store, transmit or use in or with the ServiceRDA (collectively “Access Information”). You agree not to supply your login information “Access Information” to anyone. You will be responsible for all electronic communications, including image transmissions, text message, email and other data (“Communications”) entered using the login information“Access Information”. Any communications received through the use of your login information the “Access Information” will be deemed to be sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of your login informationany “Access Information”, including your Mobile Devicemobile devices. We reserve the right to deny you access to the Service RDA (or any part thereof) if we believe that any loss, theft or unauthorized use of your login information “Access Information” has occurred. Rev 10/2014 Image Quality. IMAGE QUALITY The image of a check or an item transmitted to CoreFirst Community Bank & Trust using the Service RDA must be legible. The image quality of the checks and items must comply with the standards current requirements established from time to time by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, any other regulatory agency, clearing house or association or any higher standard set by us. ENDORSEMENTS AND PROCEDURES Prior to taking a photo and submitting the photo of the original check, for your safety you should endorse the back of the original check with “For Mobile Deposit Only at Community Bank of Parkersburg and with any requirements set by any clearing house we use your Signature or agreement we have with respect to processing checks or items. You agree that we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection of or the delayed or improper crediting of such a check or item, or from any inaccurate information you supply regarding the check or item. Endorsements and Procedures. Before transmission, you will make sure that you endorse any check or item transmitted through the Service. Business Name.” You agree to follow any and all other procedures and instructions for use of the Service RDA as we Community Bank of Parkersburg may establish from time to timeestablish. You agree to supply any information in your possession that we request regarding a check or item deposited or attempted to be deposited through the ServiceRDA. Receipt of Checks and Items; Crediting. RECEIPT OF ITEMS We reserve the right to reject any check or item transmitted through the ServiceRDA, at our discretion, without liability to you. We are not responsible for checks or items we do not receive in accordance with this Addendum Agreement or for images that are dropped or damaged during transmission. An image of a check or an item shall be deemed received when you receive a confirmation an email notification from CoreFirst Community Bank & Trust (xxxxxxx@xxxxxxxxxxxxxxxxx.xxx) that we have received the image. As provided in Receipt of such notification does not mean that the relevant deposit agreement governing your Mobile Deposit Account and subject to CoreFirst Bank & Trust Funds Availability Disclosuretransmission was error free, deposits received and accepted before a particular time of the day (the “Cutoff Time”) on a Business Day are credited on the same day and deposits received and accepted after the Cutoff Time on a Business Day are credited on the next Business Day. You understand and agree that checks and items must be received and accepted by CoreFirst Bank & Trust before the applicable Cutoff Time and must not be incomplete, illegible or erroneous able to be eligible for same-day crediting. See the Mobile Banking Q&A for details on Cutoff Time for this Service. Provisional credit (memo-credit) will not be granted for deposits made through the Service. This means you will not be able to draw cash against deposits made through the service until the deposit has been posted to your account. Deposits made through the service are posted during our nightly processing. You enter the amount of the check as a deposit is made through the Service. If we determine processed or complete or that the check is for a different amount, we may adjust the check amount and notify you of the adjustment. At all times, the check funds will be deposited credited for the amount read by us. Availability of Funds. We will make fund available for checks and items received, accepted, and successfully processed through the Service according to our standard funds availability policy for your Mobile Deposit Account. Disposal of Transmitted Checks and Items. After a check or item has posted to your account (see the Q&A for more details), you agree to prominently mark the check or item as “Electronically Presented.” You agree never to re-present to us or any other party a check or item that has been deposited through the Service unless we notify you that the check or item will not be accepted for deposit through the Service. You will promptly provide any check or item, or a sufficient copy of the front and back of the check or item, to CoreFirst Bank & Trust as requested to aid in the clearing and collection process and to resolve claims by third parties with respect to any check or item. You agree to destroy or otherwise properly dispose of checks and items that have been accepted for deposit through the Service and have cleared to ensure that such checks and items are not re-presented for payment and, prior to disposal or destruction, to safeguard such checks and items.