Welcome to First Security Mobile

Transcription

1 Welcome to First Security Mobile Frequently Asked Questions Questions General How much does this service cost? Is it secure? Which wireless carriers are supported? Do I need a data plan? I'm not enrolled for online banking. Can I still use Mobile Banking? What is Activation? Mobile Banking What is First Security Bank and Trust Company Mobile Banking? How do I access Mobile Banking on my device's browser? How do I sign up for Mobile Banking? I activated Mobile Banking on my device's browser. Why am I being asked to activate again? How do I optimize my mobile web experience? How do I navigate Mobile Banking links with my mobile device's browser? Is Mobile Banking supported on my device? How do I download my mobile banking application? Text Banking What is First Security Bank and Trust Company Text Banking? What is First Security Bank and Trust Company shortcode? Can I use both Text Banking and Mobile Banking on my phone? Is Text Banking supported on my phone? Will I receive unsolicited text messages? What are the Text Banking commands? How do I subscribe to Mobile Alerts? Remote Deposit Capture Who is eligible for Mobile Remote Deposit Capture (RDC)? What if an account is not listed in Mobile RDC? What types of checks can I deposit with Mobile RDC? Are there any limits on the dollar amount of deposits I can submit? Do I photograph both the front and the back of my check? How do I endorse my check for Mobile RDC? How will I know if my financial institution received my deposit? 1/10

2 How will I know if my financial institution processed my deposit? When will my deposit post to my account? When will a deposit made through Mobile RDC show in my balance? Can I photograph more than one check at a time? What if the check image I photographed is bad? Do I destroy my check after I photographed the deposit? Will my deposited check be available in transaction history? Can I make my opening account deposit through Mobile RDC? How long after opening an account may I start using Mobile RDC? What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit? What if I submit the same deposit twice in error? A check I submitted was returned, can I resubmit it? If I need additional information on Mobile RDC, who may I call? What type of internet connectivity do I need? Device Enrollment What is Device Enrollment? How does device enrollment work? Do I have to be enrolled in Internet (Online) Banking to use Device Enrollment? What Mobile Banking modes may I enroll? What is my User ID? Can I save my User ID on the device? Do I have to accept the Terms and Conditions? What happens if I don't allow the device to 'Remember Me'? What is my Password? What if I do not remember my User ID or Password? What do I use for a Mobile Number if I am using a non phone mobile device, such as an ipod? Mobile BillPay What is Mobile BillPay? Where do I enroll for Mobile BillPay? In what modes may I access Mobile BillPay? How do I pay a bill? How are payments made? When will my payment be received? Can I add a Payee on my mobile device? How do I deactivate a Payee? How do I cancel a payment on my mobile device? How may I see previous bill payments on my mobile device? How do I handle a dispute with a payee? Where can I find more information about BillPay? Troubleshooting I enrolled in Text Banking with my phone number but did not receive a text message. What should I do? I received an activation code but never used it. What do I do now? What happens if I get a new mobile device or change phone numbers? Can I use Mobile Banking or Text Banking on more than one device? I activated Mobile Banking on my device's browser. Why am I being asked to activate again? What if my device is lost or stolen? Answers 2/10

3 General How much does this service cost? There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information. Is it secure? Yes, the mobile banking service utilizes best practices such as HTTPS, 128 bit SSL encryption, device profiling, biometric or password access and application time out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us. Which wireless carriers are supported? We support most of the popular US wireless phone carriers, including AT&T, Sprint, T Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time. Do I need a data plan? A data plan is typically selected by most mobile banking users, as data usage can become expensive without it. Please check with your wireless carrier for more information. I'm not enrolled for online banking. Can I still use Mobile Banking? You must first enroll in online banking before using mobile banking if a mobile only enrollment is not offered. Please check with customer service for mobile only availability. What is Activation? Activation is a registration process that helps ensure your security. There are two methods for enrollment: Activation Code for Text Banking and Device Enrollment for Mobile Banking. Activation Code After you enroll a device for Text Banking, you will receive an activation code which will be required to begin using Text Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation. Device Enrollment You enroll via the device using security questions. Please refer to the Device Enrollment Section within these FAQs. Note: Text Banking enrollment requires following the Activation Code method. Mobile Banking What is First Security Bank and Trust Company Mobile Banking? Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you may have the option to deposit checks. How do I access Mobile Banking on my device's browser? When using activation code enrollment, after successful enrollment via Activation Code, you will receive a text message with your Mobile Banking URL. You may also visit the site at any time at: services.mobi/mb2/wap/home/ /en When using on device 3/10

4 enrollment, you may access the bank's website by directly entering the URL in the browser at: services.mobi/mb2/wap/home/ /en How do I sign up for Mobile Banking? You may enroll in Mobile Banking using Device Enrollment. Please refer to the Device Enrollment Section within these FAQs. I activated Mobile Banking on my device's browser. Why am I being asked to activate again? At the time of activation, a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your device. If you would like to reactivate and text banking is enabled on your device, text R or RECOVER to If First Security Bank and Trust Company supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies. How do I optimize my mobile web experience? Ensure your device's browser has cookies enabled. In addition, enable style sheets for the best viewing experience. How do I navigate Mobile Banking links with my mobile device's browser? To navigate, access the menu and choose an option. Is Mobile Banking supported on my device? Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on iphone and Android smartphones and on ipads and Android tablets. Both mobile web and mobile applications may be found by entering the mobile web URL ( services.mobi/mb2/wap/home/ /en) in your device's browser. How do I download my mobile banking application? For iphone or ipad: Navigate to the App Store Search for First Security Bank and Trust Company Select "Install" to download the application For Android: Navigate to the Google Play Store Search for First Security Bank and Trust Company Select "Install" to download the application For Kindle Fire: Navigate to the Amazon Appstore and select Kindle Fire Apps Search for First Security Bank and Trust Company Select "Install" to download the application Text Banking What is First Security Bank and Trust Company Text Banking? Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode. 4/10

5 What is First Security Bank and Trust Company shortcode? All text messages should be sent to Can I use both Text Banking and Mobile Banking on my phone? Yes. Simply enroll for both Text Banking and Mobile Banking to enable this. Is Text Banking supported on my phone? Text Banking will work on any text message (SMS) capable phone from one of our supported carriers. Will I receive unsolicited text messages? No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts. What are the Text Banking commands? FUNCTION COMMAND DESCRIPTION Balance B Summary of available balances for all accounts History H Summary of recent transactions per account Command C List of available Text Banking commands Help HE Help content for Text Banking Login L Receive a URL for the First Security Bank and Trust Company Mobile Browser website Recover R Receive a URL and new activation code for the First Security Bank and Trust Company Mobile Browser web site Stop S De activate all First Security Bank and Trust Company text services How do I subscribe to Mobile Alerts? You must first enroll in the SMS/Text Banking in order to subscribe for Mobile Alerts. After registering for this mode, go to your Internet (Online) Banking alert page. From here you will be able to subscribe to the alerts you wish to receive on your mobile device. Remote Deposit Capture Who is eligible for Mobile Remote Deposit Capture (RDC)? Customers who have a Personal/Interest Checking, Savings, or Money Market account are eligible for the Mobile RDC service if they are qualified for the service. What if an account is not listed in Mobile RDC? In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at for assistance. Please note that accounts are pre qualified prior to being authorized for use with the Mobile RDC service. What types of checks can I deposit with Mobile RDC? Most domestic checks may be processed through Mobile RDC. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through Mobile RDC. Are there any limits on the dollar amount of deposits I can submit? Yes. You may use the service to deposit items according to the limits specified in the Terms & Conditions section. Any items presented in excess of the limits will be returned at our discretion. 5/10

6 Do I photograph both the front and the back of my check? Yes. During the deposit process, you will be required to photograph the front and back of your check. How do I endorse my check for Mobile RDC? You should sign your check with the following endorsement: For Deposit Only Your Account Number Your Signature How will I know if my financial institution received my deposit? You will receive a notification by e mail when your deposit has been received. How will I know if my financial institution processed my deposit? When your deposit is processed, you will receive a second e mail notification on the status of your deposit. This e mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided. When will my deposit post to my account? Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information. When will a deposit made through Mobile RDC show in my balance? Check the financial institution's website for more information on check deposits and holds. Can I photograph more than one check at a time? You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit. What if the check image I photographed is bad? You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to your financial institution for processing. Do I destroy my check after I photographed the deposit? No, keep the check until it posts to your statement. Afterwards, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be resubmitted. Will my deposited check be available in transaction history? Yes. You may view your transaction history in Mobile Banking. Can I make my opening account deposit through Mobile RDC? No, at this time the Mobile RDC functionality cannot be used to initially fund a new account. How long after opening an account may I start using Mobile RDC? When your account application processing is completed by our operations center, they will setup your accounts for Mobile RDC. Once the accounts are setup, they will be evaluated to confirm they meet certain criteria prior to being authorized for use with the Mobile RDC service. What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit? No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount. 6/10

7 What if I submit the same deposit twice in error? If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile RDC service. A check I submitted was returned, can I resubmit it? If a deposit is returned, please do not re deposit the check with the Mobile RDC functionality. You will receive written communication from your financial institution through the US Postal Service if a deposit is returned. If I need additional information on Mobile RDC, who may I call? For additional assistance, please call What type of internet connectivity do I need? Your mobile devices must have an appropriate data plan and/or Wi Fi connectivity that allows the transmission of data over the internet. Device Enrollment What is Device Enrollment? Device enrollment allows the user to register for Mobile Banking using their mobile device, instead of a personal computer with activation code. This added convenience means that users may register their device while on the go. How does device enrollment work? Device enrollment validates your banking relationship by asking you to provide your ID and password from online banking along with answers to security questions which are known only to you based on your personal history. Do I have to be enrolled in Internet (Online) Banking to use Device Enrollment? Yes, if a mobile only enrollment is not offered. Your User ID and password will be used to enroll you in Mobile Banking. If you are not enrolled in Internet (Online) Banking, please proceed to the institution's website to register for Internet (Online) Banking first. What Mobile Banking modes may I enroll? Users may enroll for, both, the web/browser based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen. What is my User ID? Your User ID is the same as the User ID you established for Internet (Online) Banking or created during the mobile only enrollment process, if available. Can I save my User ID on the device? On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off". Do I have to accept the Terms and Conditions? Yes. You must agree to the Terms and Conditions in order to use Mobile Banking. 7/10

8 What happens if I don't allow the device to 'Remember Me'? The 'Remember Me' prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select "Off" for the prompt, you will be required to reply to the challenge questions each time you log in to Mobile Banking. What is my Password? Your Password is the same as the Password you established for Internet (Online) Banking or in mobile only registration, if available. What if I do not remember my User ID or Password? In this case, you should visit the Internet (Online) Banking website and follow the instructions for retrieving and/or resetting your credentials or, contact Customer Service. What do I use for a Mobile Number if I am using a non phone mobile device, such as an ipod? When you use a non phone device that is Internet enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone. Mobile BillPay What is Mobile BillPay? Mobile BillPay allows you to pay bills online, saving you time, envelopes and stamps. It is an optional service on your Internet (Online) Banking account. You may pay bills using your mobile device while on the go, anytime, anywhere. Where do I enroll for Mobile BillPay? You enroll for BillPay through your Internet (Online) Banking account. Once enrolled, you will be able to access BillPay on your mobile device. You must be enrolled for, both, Internet (Online) Banking and BillPay before you may use Mobile Banking and Mobile BillPay. In what modes may I access Mobile BillPay? Mobile BillPay is available on the web/browser and downloadable application modes. It is not available through the SMS/Text mode. How do I pay a bill? To pay a bill, select the "Bill Pay" option from the main menu, then select "Pay Bill". A simple flow guides you through choosing the payee, the payment account, send or due date and amount. Then you may enter an optional memo. How are payments made? Only you may create and authorize a payment. Depending on the Payee's capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your Payee may credit your account. When will my payment be received? For more information about payment scheduling and delivery, please visit the Help section on your Internet (Online) Banking website. Can I add a Payee on my mobile device? If permitted, you will see a menu option to add Payees within the Bill Pay section of Mobile Banking. How do I deactivate a Payee? You may manage your Payees, including deactivation by logging onto the Internet (Online) Banking website and accessing the list of Payees. 8/10

9 How do I cancel a payment on my mobile device? To cancel a payment, select the "Bill Pay" option from the main menu, then select "Scheduled". The system will respond with a list of payments currently scheduled and unpaid. Choose, from this list, the payment you wish to cancel. The system will display the payment details. From this screen, select "Cancel Payment". The system will ask you to confirm that you wish to cancel the payment. How may I see previous bill payments on my mobile device? To view previously paid bills, select the "Bill Pay" option from the main menu and then select "Recent". Your display will refresh with a list of completed bill payments in a summary format. Select an item to see the payment's details. How do I handle a dispute with a payee? If you have an issue with a bill or a specific item on the bill, contact the Payee directly. Remember, you may pay whatever amount you desire in BillPay while you are disputing any item. Where can I find more information about BillPay? For more information and Frequently Asked Questions, please visit the Help section on your Internet (Online) Banking website. Troubleshooting I enrolled in Text Banking with my phone number but did not receive a text message. What should I do? Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. After waiting a few minutes if you still have not received your text message, try sending the activation code. If you still do not receive a text message, contact your wireless carrier to be sure text messaging is enabled on your phone. I received an activation code but never used it. What do I do now? Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code. What happens if I get a new mobile device or change phone numbers? If you get a new mobile device or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. Remove your old device within the Mobile Banking Center. Then download the app on your phone and enroll on your new device Can I use Mobile Banking or Text Banking on more than one device? Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another device. I activated Mobile Banking on my device's browser. Why am I being asked to activate again? At the time of activation a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier or device manufacturer for cookie support information. If you would like to reactivate, text R or RECOVER to If First Security Bank and Trust Company supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies. 9/10

10 What if my device is lost or stolen? If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Internet (online) banking, navigate to the Mobile Banking Center and disable or remove your device First Security Bank and Trust Company All Rights Reserved 10/10

11 12/8/ Mobile Banking Enrollment Terms and Conditions END USER TERMS This service is provided to you by First Security Bank & Trust Company and powered by a Third Party "Licensor" mobile technology solution. Section A of these End User Terms is a legal agreement between you and First Security Bank & Trust Company. Section B of these End User Terms is a legal agreement between you and the Licensor. SECTION A FIRST SECURITY BANK & TRUST COMPANY TERMS AND CONDITIONS Thank you for using First Security Bank & Trust Company Mobile combined with your handheld's text messaging capabilities. For help, text "HELP" to To cancel your plan, text "STOP" to at anytime. In case of questions please contact customer service at Terms and Conditions 1. The services are separate and apart from any other charges that may be assessed by your wireless carrier for text messages sent to or received from First Security Bank & Trust Company. You are responsible for any fees or other charges that your wireless carrier may charge for any related data or message services, including without limitation for short message service. 2. The services are provided by First Security Bank & Trust Company and not by any other third party. You and First Security Bank & Trust Company are solely responsible for the content transmitted through the text messages sent to and from First Security Bank & Trust Company. You must provide source indication in any messages you send (e.g., mobile telephone number, "From" field in text message, etc.) 3. Acceptance of these Terms. Your use of the Services constitutes your acceptance of this Agreement as it may be amended by First Security Bank. We will notify you of any material change via or on our website ( by providing a link to the revised Agreement or by delivering an updated Agreement via your mobile device, however you are solely responsible for periodically checking and updating the software application associated with First Security Bank Mobile. Your continued use of the Services will indicate your acceptance of the revised Agreement. Further, First Security Bank reserves the right, in its sole discretion, to change, modify, add or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services. 4. Service Interruptions. The Services may be unavailable due to system maintenance, technical difficulties or for any other reason. We assume no responsibility for any Service interruptions or any resulting damages that you may incur. We reserve the right to change, suspend or discontinue the Services, in whole or part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you. In the event that the Services are not available, you should deposit your original check at First Security bank or call us at ( ) to learn about other deposit options that may be available. 5. Limitations of Service. Some of the Services have qualification requirements and First Security Bank reserves the right to change the qualifications at any time without prior notice. 6. First Security Bank Mobile Deposit. The following terms and conditions apply specifically to your usage of First Security Bank Mobile Deposit. A. Eligible Items. You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC ("Reg CC"). You agree that the image of the check transmitted to First Security Bank shall be deemed an "item" within the meaning of Article 4 of the Uniform Commercial Code as 1/4

12 12/8/ adopted in Oklahoma. You agree that you will not use First Security Bank Mobile Deposit to scan and deposit any checks or other items shown below: i. Checks or items payable to any person or entity other than you: including a check made payable to you and one or more persons or entities not named as an account holder on your depository account. ii. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. iii. Checks or items that are not endorsed on the back of the check as specified in this Agreement. iv. Checks or items previously converted to a substitute checks, as defined in Reg CC. v. Checks or items drawn on a financial institution located outside the United States. vi. Checks or items that are remotely created checks, as defined in Reg CC. vii. Checks or items dated more than six (6) months prior to the date of deposit. viii. Checks or items that have previously been submitted through the First Security Mobile Deposit or through a remote deposit capture service offered at any other financial institution. ix. Checks or items prohibited by First Security Bank current procedures relating to the First Security Bank Mobile Deposit or which are otherwise not acceptable under the terms of your account. B. Image Quality. The image of an item transmitted to First Security Bank using First Security Bank Mobile Deposit must be legible. The image quality of the items must comply with the requirements established from time to time by First Security, American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. C. Endorsements and Procedures. A check must be endorsed exactly as it is made payable. Regulation CC endorsement standards restrict the endorsement of the payee to the top 1.5 inches of the check. Rubber stamp endorsements are acceptable on checks taken for deposit. You agree to follow any and all other procedures and instructions for use of First Security Bank Mobile Deposit as First Security Bank may establish from time to time. D. Receipt of Items. We reserve the right to reject any item transmitted through First Security Bank Mobile Deposit, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from First Security Bank that we have received the image. Receipt of such confirmation does not mean that the transmission was error free or complete. E. We may assess fees as set forth in the Fee Schedule, such as fees for returned items or fees for items dishonored on presentation to the financial institution on which drawn. F. Deposit Limits. We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using First Security Bank Mobile Deposit and to modify such limits from time to time. The maximum amount you may deposit on any given business day through First Security Bank Mobile is One thousand Five hundred dollars ($1,500.00). The maximum amount you may deposit during any twenty (25) business day period is five thousand dollars ($5,000.00). 2/4

13 12/8/ G. Errors. Pursuant to First Security Banks Customer Account Agreement, you agree to notify First Security Bank of any suspected errors regarding items deposited through First Security Bank Mobile Deposit no later than sixty (60) days after the applicable First Security Bank account statement is sent. Unless you notify First Security Bank within sixty (60) days, such statement regarding all deposits made through First Security Bank Mobile Deposit shall be deemed correct, and you are prohibited from bringing a claim against First Security Bank for such alleged error. H. Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in First Security Banks sole discretion subject to the Account Agreement & Disclosure governing your account. 7. Software. In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and Software (defined below) as specified by First Security Bank and Licensor (defined below). The hardware and Software requirements may change at any time at First Security Bank and Licensors discretion. First Security Bank is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software license agreement you enter into directly with the third party software provider prior to your use of the downloadable application. 8. Dispute Resolution. Any dispute concerning this Agreement or the Services shall be resolved in accordance with your Account Agreement and Disclosure. SECTION B END USER LICENSE AGREEMENT TERMS FOR THE DOWNLOADABLE APP To be Agreed to by End User Prior to Use of the Downloadable App 1. Ownership. You acknowledge and agree that a third party provider or licensor to your financial services provider ("Licensor") is the owner of all right, title and interest in and to the downloaded software to be used for access to Mobile Banking services from your financial services provider and the computer programs contained therein in machine readable object code form as well as any accompanying user documentation along with all subsequent copies, updates or versions thereof which are made available to you (if any), regardless of the media or form in which they may exist (collectively the "Software"). 2. License Subject to the terms and conditions of this Agreement, you are hereby granted a limited, nonexclusive license to use the Software in accordance with the terms of this Agreement. All rights not expressly granted to you by this Agreement are hereby reserved by the owner of the Software. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. This Agreement may be terminated at any time, for any reason or no reason. Upon termination, you agree to immediately destroy all copies of the Software in your possession or control. 3. Restrictions. You shall not: (i) modify, revise or create any derivative works of the Software; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Software; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Software; or (iv) remove or alter any proprietary notices, legends, symbols or labels in the Software, including, but not limited to, any trademark, logo or copyright. 4. Disclaimer Warranty. THE SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON_INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SOFTWARE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SOFTWARE WILL BE UNINTERRUPTED. YOUR USE OF THE SOFTWARE AND ANY OTHER 3/4

14 12/8/ MATERIAL OR SERVICES DOWNLOADED OR MADE AVAILABLE TO YOU THROUGH THE SOFTWARE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. 5. Limitations of Warranty. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LICENSOR, THE PROVIDER OF ANY FINANCIAL SERVICES AVAILABLE THROUGH OR RELATED TO THE SOFTWARE, ANY OF THEIR CONTRACTORS OR PROVIDERS OR ANY OF EACH OF THEIR AFFILIATES BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, LIABILITY OF LICENSOR OR ANY OF THE OTHER PERSONS OR ENTITIES DESCRIBED IN THE PRECEDING SENTENCE ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE SHALL NOT EXCEED IN THE AGGREGATE THE LESSER OF $10.00 OR THE SUM OF THE FEES PAID BY YOU FOR THIS LICENSE. 6. U.S. Government Restricted Rights. The Software is commercial computer software subject to RESTRICTED RIGHTS. In accordance with 48 CFR (Computer software) or DFARS (Commercial computer software and commercial computer software documentation), as applicable, the use, duplication, and disclosure of the Software by the United States of America, its agencies or instrumentalities is subject to the restrictions set forth in this Agreement. 7. Miscellaneous. This Agreement constitutes the entire agreement between the parties concerning the subject matter hereof. This Agreement will be governed by and construed in accordance with the laws of the state of Florida excluding that body of laws pertaining to conflict of laws. If any provision of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this Agreement are subject to the exclusive jurisdiction of the courts of Florida and the parties expressly consent to jurisdiction and venue thereof and therein. The parties confirm that this Agreement and all related documentation is and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded. 8. Content and Services. Neither Licensor nor the provider of the wireless network is the provider of any financial services available through or related to the Software, and neither Licensor nor the provider of the wireless network or any contractor of the provider of the financial services available through or related to the Software, is responsible for any of the materials, information, products or services made available to you via the Software. 4/4