Common use of SERVICE INCLUDED Clause in Contracts

SERVICE INCLUDED. The Service is similar to Digital Banking Service on a personal computer. You can view your available account balance and review account history on the Account selected by you. • The Service requires a web-enabled Mobile Device or a cellular phone that is text-enabled. The text- enabled cellular phone service (“SMS Texting”) is limited to certain functions established from time to time by the Bank. Text messages are sent to you without being encrypted. With the exception of the text-enabled cellular phone, the Service is similar to internet banking on a personal computer. You can view your available account balance and review account history on the Account selected by you. • The Service allows you to transfer money between your accounts. You must select the accounts to and from which funds will be transferred through the use of the Digital Banking service, and you will receive a confirmation when the transaction is completed. Frequency and amount limitations of transfers are set forth below. • If you have signed up for our Digital Banking Xxxx Pay Service, the Service allows you to pay bills to payees. A confirmation message will be displayed after the xxxx payment is complete. Payees can be set up through the Mobile Banking or Digital Banking Services. • If you have Alerts on your account, you may review the Alerts with the Service. • If you have signed up for Mobile Remote Deposit Service, you can transmit the image of a check to us for deposit to your account. • From time to time, we may develop additional mobile banking services. As such services are developed you will have the opportunity to add them to your Mobile Banking Service, provided you have compatible wireless hardware and software.

SERVICE INCLUDED. The Service is similar to Digital Banking Total Access Service on a personal computer. You can view your available account balance and review account history on the Account selected by you. • The Service requires a web-enabled Mobile Device or a cellular phone that is text-enabled. The text- enabled cellular phone service (“SMS Texting”) is limited to certain functions established from time to time by the Bank. Text messages are sent to you without being encrypted. With the exception of the text-text- enabled cellular phone, the Service is similar to internet banking on a personal computer. You can view your available account balance and review account history on the Account selected by you. • The Service allows you to transfer money between your accounts. You must select the accounts to and from which funds will be transferred through the use of the Digital Banking serviceTotal Access Service, and you will receive a confirmation when the transaction is completed. Frequency and amount limitations of transfers are set forth below. • If you have signed up for our Digital Banking Xxxx Pay Total Access Service, the Service allows you to pay bills to payees. A confirmation message and number will be displayed after the xxxx bill payment is complete. Payees can The payees must be set up through the Total Access Service. A new payee cannot be set up on the Bill Pay Service through your Mobile Banking or Digital Banking ServicesDevice. • If you have Alerts on your account, you may review the Alerts with the Service. The Alert information must be set up through the use of the Total Access Service. • If you have signed up for Mobile Remote Deposit Service, you can transmit the image of a check to us for deposit to your account. • From time to time, we may develop additional mobile banking services. As such services are developed you will have the opportunity to add them to your Mobile Banking Service, provided you have compatible wireless hardware and software.

SERVICE INCLUDED. The Service is similar to Digital Online Banking Service on a personal computer. You can view your available account balance and review account history on the Account selected by you. • The Service requires a web-enabled Mobile Device or a cellular phone that is text-text- enabled. The text- text-enabled cellular phone service (“SMS Texting”) is limited to certain functions established from time to time by the Bank. Text messages are sent to you without being encrypted. With the exception of the text-enabled cellular phone, the Service is similar to internet banking on a personal computer. You can view your available account balance and review account history on the Account selected by you. • The Service allows you to transfer money between your accounts. You must select the accounts to and from which funds will be transferred through the use of the Digital Online Banking service, and you will receive a confirmation when the transaction is completed. Frequency and amount limitations of transfers are set forth below. • If you have signed up for our Digital Banking Xxxx Pay Bill Payment Service, the Service allows you to may pay bills to payeespayees through the Mobile Banking Service. A confirmation message and number will be displayed after the xxxx bill payment is complete. Payees can be set up through the Mobile Banking or Digital Banking Services. • If you have Alerts on your account, you may review the Alerts with the Service. The Alert information must be set up through the use of the Online Banking Service. • If you have signed up for Mobile Remote Deposit Service, you can transmit the image of a check Check to us for deposit to your account. • From time to time, we may develop additional mobile banking services. As such services are developed you will have the opportunity to add them to your Mobile Banking Service, provided you have compatible wireless hardware and software.