Terms and Conditions

Updated April 27, 2022

1. iPay User Agreement Terms and Conditions
2. Person-To-Person Payments System Agreement Terms and Conditions
3. Online and Mobile User Agreement Terms and Conditions
4. Online Statements and Electronic Notices
5. Text Message Banking Services Agreement Terms and Conditions
6. My Credit Manager + ID Protect Terms of Service

iPay USER AGREEMENT TERMS AND CONDITIONS

INTRODUCTION

This agreement sets forth the Terms and Conditions of Online and Mobile Banking services offered by First Southern National Bank (hereinafter referred to as “Bank”, “us”, “our”, or “First Southern”) and used by First Southern National Bank customers (hereinafter referred to as “you” or “your”).

PLEASE READ THIS AGREEMENT CAREFULLY, AND IN ITS ENTIRETY, BEFORE ACCEPTING ITS TERMS, ENROLLING IN ONLINE BANKING, USING MOBILE WEB BANKING, FIRST SOUTHERN’S MOBILE APP(S), TEXT MESSAGE BANKING AND BEFORE INITIATING ANY ONLINE OR MOBILE TRANSACTIONS.

BY USING FIRST SOUTHERN’S ONLINE OR MOBILE BANKING, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT AND YOU AGREE TO ALLOW US TO DELIVER CERTAIN ACCOUNT DISCLOSURES TO YOU IN AN ELECTRONIC FORMAT (DETAILS PROVIDED UNDER THE SECTION ENTITLED “ELECTRONIC DELIVERY OF DISCLOSURES”).

You do not necessarily have to use all online and mobile services offered. You may pick and choose which ones best suit your needs. However, before requesting and using one or more of these services, you must accept the terms of this agreement.

Any questions related to this agreement, online or mobile banking services may be answered by calling the Bank at (866) 602-3762. You may also find additional information by visiting our website at www.fsnb.net.

ELIGIBILITY REQUIREMENTS AND USE OF ONLINE BANKING

To be eligible to activate and use the Bank’s Online and Mobile Banking services, you must have at least one eligible account with First Southern National Bank. An eligible account is defined as any account(s) the Bank allows access to, using the services under the terms of this agreement. Typically, this would include checking, savings, money market, and loan accounts. Some accounts may not be eligible for Online Banking services and an account that requires two signatures will not be eligible. For more information regarding account eligibility, please contact us by calling (866) 602-3762.

Online Bill Pay services are available for eligible deposit accounts. The Bank may make other accounts available for Bill Pay services at its option from time to time as allowed by law and as allowed by Bill Pay service providers.

You agree to maintain sufficient funds to cover any transaction and associated fees (if any) in any account for which you have access to these services. Transactions that result in insufficient funds will be subject to the Bank’s normal overdraft charges, return policies or other fees as defined in the account disclosures provided to you at account opening or thereafter.

Access to Online Banking services is available 24 hours per day. Normal banking hours are listed on the Bank’s website at www.fsnb.net.

Due to events that are beyond the Bank’s control, there may be occasions that online services are not available. Such events may include, but are not limited to weather conditions, natural disasters, fires, floods, equipment failure, malicious internet attacks, required equipment maintenance and others. The Bank will work to restore such services as quickly as possible.

The terms of this agreement in no way replace, invalidate or supersede the terms contained in the initial account disclosures provided to you at account opening or thereafter.

EQUIPMENT AND SOFTWARE REQUIREMENTS

Any personal computer with the ability to access the internet can be used to access Online Banking. It is bly recommended that you have a personal computer with a secure browser which supports 128-bit, U.S. security level encryption. You do not need any special software. In regards to disclosures that may be provided to you electronically, generally, your personal computer will be capable of opening these disclosures in PDF format. If your computer is not equipped to view a PDF document, you can download Adobe Reader from the internet to your computer. This will allow you to open and view the documents. Further, these documents may be printed using your printer and computer.

You should be aware that the minimum requirements of equipment and software needed to use these services may change from time-to-time as required by law, by service providers or as the result of changes in technology. You are responsible for maintaining appropriate equipment and software needed to support the use of these services and making necessary upgrades if and when the requirements change.

SECURITY / PASSWORDS

You are responsible for the maintenance, protection and confidentiality of any passwords and account information related to Online and Mobile Banking services and related devices. Your password will be determined by you and is not accessible by the Bank or its employees. It is bly recommended that you do not authorize the use of your password, or the access of your account information, or your mobile banking device to another person, unless that person is acting on your behalf in a lawful fiduciary capacity. If you do authorize any other person to use your password, you do so at your own risk. Attempts to access your account(s) using an incorrect password may cause your account to be locked from additional attempts. This is designed to protect you from unauthorized attempts by others to access your account. To re-establish access to your account, contact the bank immediately by calling (866) 602-3762. Any such requests will be processed during normal banking hours.

You should review your account statements promptly after they are provided to you and ensure no unauthorized transactions have occurred. In the event unauthorized transactions have occurred, or if you have any knowledge of attempts of unauthorized transactions to your account(s), you should contact the Bank immediately. This may help you to reduce the amount of liability that you may be responsible for. Refer to your original account disclosures for specific details regarding unauthorized transactions.

In the event you lose your password, or someone has stolen your password, you must contact the bank immediately by calling (866) 602-3762.

PLEASE REMEMBER THAT THE BANK WILL NEVER ASK YOU FOR YOUR PASSWORD, PIN OR ACCOUNT NUMBERS BY CALLING YOU ON THE PHONE, E-MAILING YOU OR TEXT MESSAGING. NEVER GIVE THIS INFORMATION OUT UNLESS YOU HAVE VERIFIED THE AUTHENTICITY OF THE REQUEST. IF YOU DO, YOU MAY INCUR RISK OF LOSS IN YOUR ACCOUNT.

ONLINE BANKING SERVICES PROVIDED

Online services provided by the Bank consist of a secure remote account access service provided to our customers worldwide through the Internet. Customers enrolling for this service can view their accounts, make transfers between their checking and savings accounts, make payments on loans maintained at the Bank, and other miscellaneous features, including access to Online Statements, Online Bill Pay and Mobile Banking. These services are discussed in more detail below.

1. Online Bill Pay
Online Bill Pay services allow you to efficiently pay bills online and direct such payments from your designated account to third parties you wish to pay. Online Bill Pay must be linked to an eligible First Southern deposit account. All payments you make will be deducted from the deposit account you designate. All payments you wish to make must be in U.S. Dollars and made payable to payees located in the continental United States. We reserve the right to restrict certain types of payments using this service from time to time. The number of payments may be limited by the type of account linked to Online Bill Pay. The Bank is unable to process tax payments or court directed payments where additional documentation may be required. You should also not use this service to make payments to settle securities purchases or payments to interest bearing accounts. Payments for these payees are your sole responsibility if delayed or improperly processed or credited.

You should allow a minimum of seven (7) business days prior to the due date of a bill for payment processing. You will be fully responsible for all late charges, finance charges or other actions taken by the payee. When the due date falls on a non-business day, you should select a payment delivery date prior to the due date to allow for adequate processing time. When a payment instruction is received, you are authorizing us to remit payment from your account to the payee on your behalf.

Among other reasons, the Bank incurs no liability for the following circumstances:

The payment processing system, internet connections, phone lines or other hardware, software mechanisms are not working properly or for any other reason you do not have internet service;
The payee does not process a payment timely or correctly;
You do not post a payment to the payee in sufficient time to allow adequate processing prior to the due date;
Your account(s) does not contain sufficient funds to cover the transaction amount, or the transaction(s) exceeds overdraft limits or transfers from other accounts, if applicable. This also includes holds placed on the account for uncollected funds, funds not available for legal reasons, or other reasons why funds cannot be released from the account(s);
You have provided incorrect or inaccurate information regarding the address, account numbers, phone numbers, or other information for payees;
Circumstances beyond the control of the Bank such as, but not limited to floods, fire, other weather related instances that prevent the Bank from processing the payment, provided the Bank has taken reasonable steps to avoid such circumstances; or
Any other circumstances beyond the control of the Bank or its service providers.

The bank shall incur no liability for fees, late charges, interest, penalties, attorney’s fees or other amounts incurred by you because of your failure to allow sufficient time for processing and delivery of a payment. Unless allowable by law, the Bank shall not incur any liability under any circumstance for indirect or consequential damages incurred by you including lost profits, credit standing or other costs or damages even if we are advised in advance of such damages. If you submit a payment in error, please contact the Bank immediately.

2. Mobile Banking
Mobile Banking is offered as a convenient and supplemental service to your banking with us. It is not intended to replace other methods you use for managing your accounts and services with us.

Mobile Banking features and services may vary depending on the method of Mobile Banking we offer, the method you select and the capability of your device(s). Three methods of using Mobile Banking are available – Text Message Banking, Mobile Web Banking and Mobile App. Text Message Banking allows you to access account balance and view recent activity on eligible accounts via text messages to and from your device. Mobile Web Banking provides a method of accessing your Online Banking information via your internet-connected mobile device through its native web browser. Mobile App is a program available for download for eligible smart devices. The bank offers its Mobile Apps for download via the Apple iTunes Store and the Google Play Store. With the Mobile App, eligible users may access account balances, posted transaction information, make transfers between eligible accounts, view and get directions to First Southern locations, active/deactivate your First Southern Debit Card, mobile deposit capture, receive security alerts, view check images and other services.

COSTS

Mobile Banking requires web browsing capabilities and internet connectivity. First Southern does not charge a fee for Mobile Banking, but you are responsible for providing internet connectivity through a personal / shared public wireless connection or through your mobile carrier. Additional fees from your wireless provider may apply.

ENROLLMENT

To enroll in Text Message Banking, visit www.fsnb.net, navigate to the Text Message Banking page, select the Sign up for Text Message Banking link and complete the form.

No enrollment is necessary for Mobile Web Banking if you are an existing customer and Online Banking user. Simply visit www.fsnb.net from your mobile device, select Login and proceed to login using your Online Banking credentials. If you are an existing customer, but not an Online Banking user, you may enroll two ways – via our website at www.fsnb.net or through our Mobile App available on the Apple iTunes Store or Google Play Store. If you are not a customer, please stop by your local branch or call (866) 602-3762 to get started.

To utilize the bank’s Mobile App, download the App from your App store. Once downloaded, you will be prompted to log in using your Online Banking credentials each time the app is launched. Non-Online Banking customers may self-enroll at www.fsnb.net or directly from the Mobile App. Customers have the option to create a four digit code (PIN) to access the App without requiring you to enter your username and password. You agree to handle your PIN with the same security as described of your password.

KEEPING YOUR INFORMATION CURRENT

You agree that you will keep your personal contact information current, including your e-mail address, as it’s used for import account and security alerts.

CARD ON/OFF FEATURE

The Mobile Banking App provides a feature that allows you to control when your First Southern National Bank debit or ATM card is able to withdraw funds at an ATM, or in the case of the debit card, authorize debit card transactions.

Within the Mobile App, you can turn your card OFF, which will deny future card transactions (ATM and point of sale). Any previously authorized transactions will be paid, and any recurring transactions you had previously set up will still occur. Turning your card OFF will not affect your checks, mobile or internet transfers, bill payment or any other types of transactions in your Account. Within the App, you can turn your card ON. Within seconds, your card will allow ATM withdrawals and, for debit cards, point of sale transactions. This feature does not alter your obligation to notify us or your liability for unauthorized transfers as explained in the following Electronic Fund Transfers disclosure.

TRANSFERS

You may use certain Mobile Banking methods to transfer funds between eligible First Southern accounts and accounts at other financial institutions. If you submit your transfer request prior to the transfer deadline established by the Bank for Mobile Banking transfer services (“Mobile Transfer Cutoff Time”), you will initiate an immediate Transfer via Mobile Banking and your transfer will be posted that day. Mobile Transfer Cutoff Times may be different than other transfer cutoff times. Transfers initiated after the Mobile Transfer Cutoff Time are treated as made the next Business Day. To determine what the current Mobile Transfer Cutoff Time is, please call the Bank.

You must have sufficient funds available in the selected account at the time the transfer request is received; otherwise the transfer will not be completed. Each Transfer from a Savings account using Mobile Banking is counted as one of the 6 limited transactions permitted each month. Each Transfer from a Money Market Deposit Account using Mobile Banking is counted as one of the 6 limited transactions permitted each statement cycle. Each transfer using Mobile Web also counts towards the limited number of transfers allowed before fees are assessed. You should review your account disclosures provided to you when the account was opened for more information regarding applicable fees, or you may contact the bank for more information. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing the transferred funds.

The Bank will incur no liability for transactions that are not properly processed due to circumstances beyond the Bank’s control such as, but not limited to (I) poor or no service connection on your phone (II) inadequate connections due to the failure of your phone carrier, or (III) your failure to use your phone properly.

MOBILE DEPOSIT

Mobile Deposit allows you to deposit checks electronically, via First Southern National Bank’s Mobile Apps, eliminating the need to make a physical bank deposit. At our discretion, we may establish limits on the amount and / or number of deposits that you may submit using Mobile Deposit and may modify those limits at any time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be in subject to the terms of this agreement, and we will not be obligated to allow such deposit at other times.

In order to enroll in this service, you must be designated as an authorized signer or owner of a First Southern National Bank account (the “Account”) that is eligible for this service and be approved by the bank.

You agree to maintain the Account in good standing and comply with the requirements and restrictions set forth in these Terms and Conditions.

First Southern does not charge a fee to use the Mobile Deposit service; however, we reserve the right to adjust fees at any time.

Mobile Deposit allows you to deposit most U.S. consumer and business checks; however certain checks are not supported through the remote deposit channel. These items include but are not limited to: third party checks, foreign checks, substitute checks, government bonds, and checks payable in a medium other than U.S. Dollars, U.S., state or other savings bonds.

You are responsible for inspecting both the physical check items and check images as they appear on the screen of your mobile device. Because some physical security features on the actual checks, such as watermarks, may not survive the imaging process, you must manually examine checks prior to transmission to the bank to verify their authenticity.
Additionally, when depositing a check via Mobile Deposit, you are required to examine check images to ensure the payee name, amount, signature and other important pieces of information are legible and in accordance with the physical check. If they are not, cancel the photograph and take a new photograph of the item.
Any original paper check items that remain illegible after repeated scanning/photographing attempts must be physically deposited at First Southern National Bank.
You should regularly inspect your mobile image camera to ensure that it is operating optimally. Please refer to the user manual of your mobile device for instructions on equipment cleaning and care.

MICR Lines on the Check
The bottom of your check contains numeric information that identifies the bank the check is drawn on, the account number and the check number. This information is known as the MICR line (Magnetic Ink Character Recognition). A MICR defect, such as a tear in the MICR line, or markings over the MICR line may inhibit the scanner or mobile phone’s ability to read this information. If you receive error messages indicating that the mobile phone is unable to read the MICR line, the check with defects in the MICR line must be physically deposited at the branch or ATM.

Marking Electronically Deposited Checks as Deposited
To help ensure that an electronically deposited check is not processed multiple times, either as an electronic item and/or a physical check, First Southern requires that you endorse the check with your signature and with the written words “for mobile deposit only” on the endorsement line of the check to indicate that it will only be deposited electronically. First Southern may refuse to accept items which are not endorsed in this manner. Marking a check in this way will also allow you to easily recognize an item that has been photographed and deposited.

Check Safekeeping, Retention and Destruction

Check storage and the destruction of items processed through Mobile Deposit is your responsibility.
First Southern requires that Mobile Deposit customers use commercially reasonable methods to securely store all source documents and all related banking information until destruction. To help ensure that checks are not electronically processed more than once, or physically deposited at the bank after being electronically deposited, procedures should be established to ensure that only you or another account owner has access to these checks during the retention period.
First Southern recommends retention of the checks for at least 90 days after the deposit is made. All items must thereafter be destroyed, marked “VOID” or otherwise render it incapable of further transmission, deposit or presentment after 90 days. Cross-cut shredding is bly recommended for check destruction.

If you believe you may have deposited a check item more than once, please contact First Southern National Bank immediately at (866) 602-3762. Do not re-scan/photograph the items.

Processing Your Electronic Item(s) / Availability of Funds
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you transmit your Electronic Item(s) to First Southern before 4:00 p.m. EST (the “Cut-Off Time”) on any business day, we shall review and process your Electronic Item(s) on that business day. If you transmit your Electronic Item(s) to us after the Cut-Off time on any business day, we shall review and process your Electronic Item(s) on the next business day. Your Electronic Item(s) is deemed to have been received by the Bank when the service generates a confirmation message.

Exception Items
Each business day, on which we review and process your Electronic Item, we will use reasonable efforts to review each Electronic Item and to reject any Electronic Item that we in our sole discretion determine to be ineligible for the service (each, an “Exception Item”). “Exception Item” includes, without limitation, an Electronic Item that (a) is illegible or contains MICR data that is not machine-readable, (b) was previously processed as an Electronic Item or (c) is drawn on banks located outside the United States and is not payable at or through a bank located within the United States. We will notify you of each Exception Item through Online Banking Secure E-mail or other communication channels at our discretion. If you wish to attempt to deposit any Exception Item to your account, you shall do so only by depositing the original paper item on which the Exception Item is based or otherwise agreed between us. Even if we do not initially identify an Electronic Item as an Exception Item when we review and process the Electronic Item to which the Exception Item relates, the Electronic Item, substitute check or the purported substitute check created by us from it may nevertheless be returned to us because, among other reasons, the Paying Bank determines that such item or check is illegible or missing an image. Our failure to identify an Exception Item shall not preclude or limit your obligation to First Southern National Bank.

Chargebacks
All checks posted to your account through Mobile Deposit are posted subject to our receipt of final payment by the payor bank. Upon receipt of final payment, the item becomes a collected item. If final payment is not received or if any item you have deposited is charged back to us for any reason, you authorize us to charge any of your accounts without prior notice and at any time, for the amount of the returned item, our return fee, any interest paid on that item, and any other fee we pay or incur. We reserve the right to refuse any item for deposit into your account as well as the right to withhold the availability of funds as per the Terms and Conditions of your account agreement.

Deposits to the Account
Subject to our right to identify and reject Exception Items, we shall be deemed to have accepted each Electronic Item that is not an Exception Item for deposit to the account on the business day that we process the Electronic Item, provided its transmission to us is prior to the Cut-Off Time. In addition, an Electronic Item will be deemed to have been deposited at the office where the account is maintained.

Termination of Service
First Southern National Bank reserves the right to terminate this service at any time and without notice, if in the Bank’s sole discretion, the Bank determines that customer has abused the service or the Bank will suffer a loss if the service is not terminated immediately.

Warranties
Failure to protect your hardware and security credentials may allow an unauthorized party to access the service and transmit an electronic item for deposit. All uses of the service through your security credentials will be deemed to be authorized by you and be binding upon you. You assume the entire risk for the fraudulent or unauthorized use of your security credentials. You agree to (I) Exercise responsible behavior when using the service, (II) follow the instructions and recommendations that First Southern provides you with respect to the service and (III) use maximum caution in protecting your hardware and security credentials from unauthorized access. You agree to notify the Bank immediately if you become aware of any loss, theft of or any unauthorized use of the service or your security credentials.

You will use the service only for paper items that are payable to and endorsed by you.

You will properly secure all hardware you use in connection with the Service including, but not limited to, securing the hardware with Security Credentials to prevent unauthorized use. You will maintain control over and be responsible for secure retention, storage and destruction of original paper items for which you have created an Electronic Item. After transmitting the Electronic Item to us, you will retain the original paper items as discussed in the Check Safekeeping, Record Retention and Destruction section of this document.

Alert Services
Certain alerts within the Mobile App are designed to call your attention to changes in the access configuration. We bly encourage you to enable these security alerts and notify us immediately if you are made aware of any change which you did not initiate.

You may use the Mobile Banking Alerts to notify you of certain information. The alerts we make available through Mobile Banking may change from time to time. You may receive alerts through e-mail or by text message. The methods we make available to receive alerts may change from time to time. Not all of your Accounts may allow for alerts. Receipt of any alert may be delayed or prevented by factor(s) affecting your Internet service provider(s), phone operator(s) and other relevant entities. We neither guarantee the delivery nor the accuracy of the contents of any alert. First Southern will not be liable for losses or damages arising from (a) non-delivery, delayed delivery or incorrect delivery of any alert; (b) inaccurate content in an alert; (c) your use or reliance on the contents of any alert for any purposes. We reserve the right to terminate any request from you, for any alert, at any time. You may also call us at (866) 602-3762 for assistance with alerts.

Safety and Security
In addition to the terms and conditions in other sections of this Agreement and your responsibilities in the Electronic Fund Transfers Provisions section below, you agree to monitor your account and important account information through Online Banking, periodic statements for your account, if applicable, and important notices about your account delivered by us electronically or by mail, in addition to any services or information you may receive through Mobile Banking.

You agree to keep informed of any changes to Mobile Banking by regularly visiting our website. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking.

You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person.

If you do, we will not be liable for any damage resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your account. You agree to notify us immediately if you lose, or change or cancel the number of your registered device. If you believe that someone may have unauthorized access to your Mobile Banking, you agree to cancel your Mobile Banking associated with the device immediately. You agree to comply with all applicable laws, rules and regulations in connection with Mobile Banking. The Bank makes no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk, and you are responsible for compliance with local laws. If your password is lost, stolen, or your number is changed, you should contact the bank immediately at (866) 602-3762.

For details concerning electronic funds transfer (EFT) provisions, you should refer to your original account disclosures provided to you at account opening, or contact the Bank at (866) 602-3762 if you would like to receive an additional copy.

SimpleView: Personal Finance Manager

With our personal finance manager service, SimpleView, you may monitor your financial account relationships from your accounts at First Southern National Bank or from any other account held by you at another financial institution, referred to in this agreement as “Accounts”, assuming, that the financial institution has the ability to and permits you to release your financial information to SimpleView and First Southern National Bank.
In addition to the other content in this agreement, if you decide to use SimpleView, you acknowledge and agree to the following terms and conditions of service.

1. INTRODUCTION: “Account” means any of your accounts at First Southern National Bank or any other account held by you at another financial institution. “SimpleView” and / or “Service” means the personal finance manager service that First Southern National Bank makes available through Geezeo.com. The Service includes analyzing your personal finances through the Account information you provide and the impact of various strategies on them.

2. INFORMATION AUTHORIZATION: We reserve the right to obtain such additional information as we deem reasonably necessary to ensure that you, or financial institutions holding your accounts, are not using our Service in violation of law, including, but not limited to, laws and regulations designed to prevent “money laundering”.

First Southern reserves the right, in its sole discretion, to determine if you are eligible and approved for the Service. If you are approved for the Service, we shall verify the Accounts that you add to the Service. You authorize us to validate the Accounts. Once the validation is complete, we may also verify Accounts by requiring you to submit proof of ownership of the Account.

3. USER CONTENT: By submitting Content, you represent that you have the right to grant such content license to us for the purposes set forth in this agreement. Please refer to the First Southern National Bank Privacy Policy located on our website for further information.

4. ACCOUNTS: You understand and agree that, at all times your relationship with us and each Account provider is independent of us and your use of the Service. We will not be liable or responsible for any acts or omissions by the financial institution or other provider of any Account, including without limitation any modification, interruption or discontinuance of any Account by such provider.

YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ARE COLLECTING INFORMATION RELATED TO THE SERVICE FROM ANY OF YOUR ACCOUNTS, WE ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. YOU AGREE THAT WE, OUR AFFILIATES AND PARTNERS SHALL BE ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU.

YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES, OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED FROM THE ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY PROVIDER OF ACCOUNTS; (5) THE ACTIONS OR INACTION OF ANY OTHER FINANCIAL INSTITUTION OR OTHER PROVIDERS OF THE ACCOUNTS.

Not all types of accounts are eligible for the Service. Be sure to check with your financial institution for restrictions regarding your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from the provider of your Account or those imposed by applicable law.

5. ELECTRONIC COMMUNICATIONS: The Service is an electronic, Internet based-service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:

This Agreement and any amendments, modifications or supplements to it.
Your records of funds transfers and other transactions through the Service, including without limitation confirmations of individual transactions.
Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law.
Any Customer Service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service.
Any other communication related to the Service.

Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format are considered to be in writing. You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not agree to receive this Agreement or the Communications electronically, you may not use the Service.

6. PRIVACY POLICY AND CONFIDENTIALITY: We regard your privacy and security with the utmost importance, and we are absolutely committed to safeguarding any information that you share with us. In order to provide the Service, we must obtain from you certain personal information about you, your Accounts, and your transactions (referred to herein as “User Information”). You represent that you have the right to provide such User Information and that you give us the right to use the User Information in accordance with our privacy policy.

All of your personal and financial information will be placed on a secure portion of our website. We have multiple levels of security that have been designed especially for us.

7. BUSINESS DAYS: The Service will monitor transactions on business days. Business days are Monday through Friday.

8. AUTHORIZATION AND LIMITATIONS: You authorize us to access your personal financial information for each account you request to include in the Service.

9. SUSPENSION AND REINSTATEMENT OF THE SERVICE: In the event that we at any time incur a problem with your use of the Service, including, without limitation, attempting to include Accounts you are not authorized to access, and without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the right to suspend or terminate your right to use the Service immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect ourselves from loss. In the event of such suspension, you may request reinstatement of the Service by contacting us using any of the methods provided for under the Agreement. We reserve the right to, at our discretion, grant or deny reinstatement of your use of the Service. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your Service subject to other restrictions than otherwise might be available to you. Based upon your subsequent usage of the Service, we at our sole discretion may thereafter restore your ability to use the Service.

10. YOUR RESPONSIBILITY FOR ERRORS: You understand that we must rely on the information provided by you and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you. You understand that financial institutions receiving your request for the release of information may rely on such request through the Service. We are not obligated to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You understand that, if you provide us with incorrect information or if there is any error in your instruction, we will make all reasonable efforts to reverse or delete such Account but you acknowledge and agree First Southern National Bank shall have no liability for any and all losses resulting, directly or indirectly, from any of your errors, duplication, ambiguities or misinformation in the information that you provide.

You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, we reserve the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

11. PROPRIETARY RIGHTS: You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer, or reverse compile the Service.

12. NO UNLAWFUL OR PROHIBITED USE: As a condition of using the Service, you will not use the Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.

13. SECURITY PROCEDURES: You understand that the financial institution at which an Account is maintained may contact us to verify the content and authority of instructions and any changes to those instructions. You understand that, as your agent, we may provide to such financial institution such information as may be required to verify the instructions and as may constitute a valid security procedure under the rules governing such Account.

14. DEVIATING FROM SECURITY PROCEDURES: You agree to allow us to authorize any financial institution at which you have an Account to accept instructions in accordance with any authorization procedures as may be agreed from time to time between you and such financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition, you agree that we may authorize such financial institutions to release your Account information based solely on these communications.

15. ACCOUNT NUMBER POLICY: If instructions identify a financial institution or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers.

16. MEANS OF TRANSFER: You authorize us to select any means we deem suitable to provide your instructions to the applicable financial institution. These choices include banking channels, electronic means, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable systems, such as the automated clearing house (ACH) as published by the National Automated Clearing House Association (NACHA).

17. OUR LIABILITY: If we fail to provide the Service in accordance with the terms and conditions of this agreement, we shall be responsible for correcting improper Account information. We are not responsible or liable for incomplete, incorrect, failed or late Account information due to any other financial institution system failures, errors or mistakes. Except as otherwise required by law, we shall in no other event be liable for any losses, fees, overdraft charges or damages other than those arising from our breach of a representation or warranty provided herein.

You agree that your use of the Service constitutes authorization for us to obtain information related to your Accounts. You understand and agree that we are not liable under any circumstances for any losses or damages, directly or indirectly, if, you suffer a loss based on the accuracy of information provided to you through SimpleView.

You also understand and agree that we are not responsible to the extent performance is prevented or delayed due to causes beyond such party’s reasonable control and without its negligent or willful misconduct, including without limitation acts of God, natural disasters, terrorist acts, war or other hostilities, labor disputes, civil disturbances, governmental acts, orders or regulations, third party nonperformance or failures or fluctuations in electrical power, heat, light, air conditioning or telecommunications equipment.

18. LIMITATION OF WARRANTY AND LIABILITY: YOU UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED AS-IS. EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS REQUIRED BY LAW, WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY, OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED OR OBTAINED AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL AND/OR DATA.

EXCEPT AS EXPRESSLY SET FORTH ON THE WEBSITE OR IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON- INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS: AND, WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US FROM THE ACCOUNTS OR THAT THE SERVICE WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE.

EXCEPT AS DESCRIBED IN THIS AGREEMENT, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE SERVICE, ANY INACCURACY OF ANY INFORMATION OR AMOUNT RETRIEVED BY US FROM THE ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED ON THE SERVICE, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER’S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19. INDEMNIFICATION: You agree to indemnify, defend and hold harmless First Southern National Bank, our affiliates, partners, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorney’s fees) arising directly or indirectly from: (a) your use of the Service; (b) our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, (c) your negligence or intentional conduct; (d) your violation or breach of the terms under this Agreement including, but not limited to, any breach which results in the unauthorized and/or non-permissible use of information obtained via First Southern’s Online Banking Service or SimpleView; and / or (e) your infringement, or infringement by any other user of your account(s) at our website, of any intellectual property or other right of any person or entity.

20. MISCELLANEOUS: You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability, and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. Our failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of this Agreement.

The most current version of this Agreement as it appears on our website, including any amendments that we may make from time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or understandings, whether written or oral, regarding the Service. This Agreement may be amended, or any of our rights waived, only if we agree in writing to such changes, or you continue using the Service following receipt of notice of any changes proposed by us. All notices to you shall be in writing and shall be made either via e-mail, conventional mail or messages delivered through the Services, at our discretion. Regardless of your receipt of e-mail notification, you agree that our posting of the Amendment on the Online Banking Website constitutes delivery of your amendment notice. All notices to us must be made in writing and sent to us at First Southern National Bank via registered or certified mail.

We may assign this Agreement to any affiliate, parent or other company. We may also assign or delegate certain of the rights and responsibilities under this Agreement to such third parties as we may elect upon notice to you whereupon we shall be released from any and all further liability or responsibility related thereto.

You may not assign any of your rights under this Agreement, except with the prior written consent of First Southern National Bank. You are prohibited from any and all assignments of rights under this agreement, whether they are voluntary or involuntary, by merger, consolidation, dissolution, operation of law, or any other manner. You may not delegate any performance under this Agreement. Your purported assignment or delegation of any rights of performance are in violation of this agreement and void.

We reserve the right to amend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments. We may amend or cancel any provision or charge by disclosing the change in writing or electronically, and, at our option, by sending notification to the e-mail address recorded during your Online Banking enrollment. You may choose to accept or decline amendments, cancellations or changes by continuing or discontinuing the accounts or services to which these changes relate, at your option. Regardless of your receipt of e-mail notification, you agree that our posting of the Amendment on the Online Banking Website constitutes delivery of your amendment notice. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations.

21. VIRUS PROTECTION: First Southern is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC using a reliable virus product to detect and remove any viruses. Undetected or un-repaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

22. TERMINATION: You may terminate the use of Online Banking or any service within Online Banking by contacting First Southern National Bank in writing by mail, e-mail or personal delivery. If your account is closed or restricted for any reason, Online Banking accessibility will automatically terminate. First Southern may terminate this agreement any time with or without notice.

23. GOVERNING LAW: This Agreement shall be governed by and construed in accordance with the laws of the State of Kentucky. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect. This Agreement shall take effect immediately upon the acceptance of your application for the Service by us.

24. THIRD-PARTY BENEFICIARIES: This Agreement is for the sole and exclusive benefit of First Southern Customers and is not intended to benefit any third party. Both you and the Bank acknowledge and agree that any party that licenses the Software to the Bank, directly or indirectly through one or more sub-licensees, is a third party beneficiary to this Agreement with respect to those provisions dealing with use and protection of intellectual property.

25. ENTIRE AGREEMENT: This Agreement, the Exhibits and schedules to this Agreement (as may be amended from time to time), constitutes the entire agreement between you and the Bank with respect to the subject matter hereof, supersede any prior agreements between you and the Bank with respect to the subject matter hereof, and shall be binding upon the Bank, you and their respective successors and permissible assigns. In the event of any inconsistency between this Agreement and the Documentation or any Account Agreement, this Agreement will govern.

CHANGES IN TERMS OR OTHER AMENDMENTS

The bank reserves the right to change the terms and conditions of this agreement from time to time without further notification to you. In the event such change results in a decline in the services offered to you or the frequency of such services, an increase in fees for using such services, or an increase in your responsibility for unauthorized transactions, the Bank will notify you thirty (30) days in advance of such change. If the change is necessary for the security of these services and the protection of either the Bank or your accounts, and such security is jeopardized by waiting for the thirty (30) day period to elapse, the Bank may make such changes without prior notification to you.

In such cases, you will be notified within thirty (30) days after the change.

TERMINATION OF SERVICES

You are responsible for complying with all the terms and conditions of this agreement. These services may be terminated without further notice to you if you fail to comply with any terms and conditions of this agreement, you fail to pay required fees associated with your account as shown in the initial or subsequent account disclosures provided to you, or if your account is not maintained in good standing. If you have not logged into your Online Banking services for an extended period of time (90 days or more, but may change from time to time at the bank’s option), we may cancel these services. To reinstate the services, you need to contact the Bank or reapply online.

BANK CONTACT INFORMATION

You may contact the Bank by calling (866) 602-3762 or by writing to First Southern National Bank, P.O. Box 328, Stanford, Kentucky 40484-0328. You may also contact us on our website at www.fsnb.net.

GOVERNING LAW

This Agreement will be governed by and construed in accordance with the laws of the United States of America and the laws of the Commonwealth of Kentucky, without regard to Kentucky’s conflict of law provisions.

WEBSITE OWNERSHIP

The content, design, images and offers on the Bank’s website and associated with these Online and Mobile services are owned and copyrighted by First Southern National Bank, its affiliates or third-party service providers. The reproduction or distribution of this material is strictly prohibited.

INDEMINIFICATION

You shall indemnify and hold harmless the Bank, its officers, employees, directors, suppliers, and agents, in their individual capacities or otherwise, from and against any losses arising out of: (I) your negligence, (II) your failure to comply with applicable law, or (III) your failure to comply with the terms of this agreement.

ELECTRONIC DELIVERY OF DISCLOSURES

In conjunction with using Online Banking services offered by the Bank, certain disclosures associated with these services or your accounts may be delivered, or made available to you in an electronic format. Such formats may include, but are not necessarily limited to e-mails, text messages or disclosures made available by accessing the Bank’s website at www.fsnb.net.

These disclosures may include the following:

Monthly account statements
Deposit account disclosures
Notices regarding changes in account terms and fees
Privacy notices
Holds Notices
This Terms and Conditions Agreement for Online and Mobile Banking services

Generally, any personal computer will be capable of opening these disclosures in PDF format. If your computer is not equipped to view a PDF document, you can download Adobe Reader from the internet to your computer. This will allow you to open and view the documents. Further, these documents may be printed using your printer and computer.

You have the right to withdraw your consent to receive electronic disclosures, and begin receiving disclosures in a paper format. There may be additional fees associated with paper delivery of disclosures. In order to withdraw your consent to receive electronic disclosures, you must contact the Bank by e-mail at [email protected].

You may also specifically request a paper copy of a disclosure, without terminating future deliveries of electronic disclosures, by contacting the Bank. Certain fees may apply to this request. You also agree, in order to continue receiving disclosures electronically, to notify the Bank of changes in your e-mail address, mobile phone number or any other change in the delivery system used. Any termination of Online Banking services, either by you or the Bank, may also terminate delivery of disclosures in electronic format. In such cases, delivery will be made to you in paper form and may result in additional fees. You should print or save a copy of all disclosures delivered electronically. In the event you need an historical copy of a disclosure, please contact the Bank as shown above.

BY USING FIRST SOUTHERN’S ONLINE OR MOBILE BANKING, YOU AGREE TO THE FOLLOWING:

TO ACCEPT AND COMPLY WITH ALL OF THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT.
TO ACCEPT THE TERMS AND CONDITIONS OF THIS AGREEMENT IN ITS ELECTRONIC FORMAT.
TO RECEIVE OTHER ACCOUNT DISCLOSURES WHICH MAY BE PROVIDED TO YOU FROM TIME TO TIME IN AN ELECTRONIC FORMAT.

IF YOU WISH NOT TO AGREE WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT, PLEASE CANCEL OUT OF THIS PROCESS.

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PERSON-TO-PERSON PAYMENTS SYSTEM AGREEMENT TERMS AND CONDITIONS

INTRODUCTION

This Agreement sets forth the terms and conditions that apply to the use of the Person-to-Person Payments System (hereinafter referred to as “P2P”). P2P is offered through First Southern National Bank’s Digital Banking platform (Online and Mobile Banking) and facilitates the transfer of funds via a mobile device or computer. This service is provided by First Southern National Bank and/or its service providers.

PLEASE READ THIS AGREEMENT CAREFULLY AND IN ITS ENTIRETY BEFORE ACCEPTING ITS TERMS AND BEFORE INITIATING ANY TRANSACTIONS USING P2P.
As used in this Agreement,

the terms “Bank,” “we,” “us,” “our” and “First Southern” refer to First Southern National Bank and any service provider, agent, independent contractor, designee or assignee the Bank may use in the provision of Online or Mobile Banking services; and
the terms “you” or “your” refers to a customer of First Southern National Bank.

BY ACCEPTING THIS AGREEMENT, YOU AGREE TO THE TERMS AND CONDITIONS CONTAINED HEREIN AND YOU AGREE TO RECEIVE THIS AGREEMENT IN AN ELECTRONIC FORMAT (REFER TO DETAILS PROVIDED UNDER THE SECTION ENTITLED “ELECTRONIC DELIVERY OF DISCLOSURES”).

The terms of this Agreement in no way replace, invalidate or supersede the terms contained in the account agreement and disclosures governing your account(s) at First Southern National Bank, as amended, supplemented and updated from time to time. Any accounts that are approved by us for P2P remain subject to the terms and conditions applicable to those accounts.

P2P is provided through and housed within the Bank’s Online Banking system. These Terms and Conditions in this Agreement are therefore incorporated in, made a part of and subject to the Bank’s Online and Mobile User Agreement and the Terms and Conditions contained therein. If any provision contained in this Agreement conflicts with any provision in the Online and Mobile User Agreement, the provision contained in the Online and Mobile User Agreement shall govern. The Online and Mobile User Agreement and its Terms and Conditions were presented to you and accepted by you at the time of your enrollment in Online Banking and re-presented to you for your acceptance as the result of amendments or modifications to the Agreement from time-to-time, as applicable. To request a copy of the Online and Mobile User Agreement you may contact the Bank at 866-602-3762.

1. ELIGIBILITY FOR USE OF P2P

To be eligible to activate and use P2P, you must have at least one eligible account with First Southern National Bank and you must be enrolled in and have access to the Bank’s Online and Mobile Banking Services. An “eligible account” is any account(s) the Bank permits you to access using P2P services under the terms of this Agreement. The type of accounts eligible typically include only checking accounts but may include other accounts as determined by the Bank from time-to-time. P2P services are available to any owner on an eligible account via access to Online and Mobile Banking using their specific credentials.

2. USE OF THE P2P SERVICE

Description
P2P allows for the transfer of funds between your eligible First Southern account and the account of another person (sender and recipient as applicable) using your mobile device or computer. The transfer is initiated (by sender) by entering the recipient’s debit card information or by sending instructions to the intended recipient of the funds on how to accept the funds being sent by you. The recipient must have a valid debit card. These instructions may be sent by email or text/SMS. The recipient of the funds determines which bank the funds will be deposited into. Likewise, you may receive funds from a sender that may be deposited into your account. You must have a valid debit card.

Limitations
Transfer of funds using P2P will be limited by dollar amount and by number of daily, weekly, and monthly transfers. These limitations will be established and set by First Southern, at their sole discretion, and may be changed at any time without notice to you. You may contact the Bank for more information regarding the limitations.

Contact Information
A current phone number or email address is not necessarily required specifically for P2P. However, such is required for Online and Mobile Banking and for the receipt of various notices and disclosures that may be delivered to you. Therefore, you should promptly notify the Bank of any changes made to your phone number and/or email address that had previously been provided by you. Without such notice from you, the Bank will assume that the information provided by you and on file with the Bank remains current.

Termination of P2P
You may disable the P2P service at any time by contacting the Bank. P2P service will otherwise be discontinued upon (i) closure of your eligible account, (ii) discontinuance of your enrollment in Online Banking, or (iii) at any time by First Southern, at its sole discretion.

Transaction History
You may view your P2P transaction history by logging into Online Banking. Your history is also available through statements and the primary transaction history available within Online Banking. You may contact the Bank if you need further instructions on viewing transaction history.

Fees
We do not currently charge a fee for using the P2P service. There may be other fees associated with using your mobile device for P2P transfers that you are responsible for. You will be responsible for any excess transaction fees, or any other fees, that may apply to your account. Standard messaging rates apply. First Southern reserves the right to assess fees for P2P service any time in the future with notice given to you.

Equipment and Software Requirements
The Security & Browser System Requirements for Online Banking were provided to you in the Online Mobile User Agreement provided and accepted by you when you enrolled in Online Banking with First Southern. Those system requirements are necessary for using Online Banking and for receiving electronic disclosures that we may send to you. The system requirements, as previously provided, are listed as follows:

You should have a personal computer with a secure internet-connected browser which supports 128-bit, U.S. security level encryption to access Online Banking services. In addition, your computer must be capable of receiving, accessing, displaying and either printing from your printer or storing documents provided to you electronically, in PDF format. If your device is not equipped to view a PDF document, you can download and install software to read documents in PDF format, such as Adobe Reader, from the internet to your computer. [Your computer also must be enabled to accept Cookies or JavaScript.]

You are responsible for the set-up, security and maintenance of the appropriate equipment and software needed to support the use of our Online and Mobile Banking Services and installing updates and making upgrades to your equipment, systems and software as necessary. Minimum requirements of equipment and software needed to use these services may change from time-to-time as required by law, by service providers or as the result of changes in technology. We will notify you of such changes as applicable.

By consenting to this agreement, you agree that you have adequate access to a computer with sufficient internet connectivity and software to receive email notifications and access Online Banking. This includes: up-to-date Internet browser that we support to access your account(s) through Online Banking or if accessing your account(s) through our mobile applications, one of the mobile operating systems we support; a valid email account and software to access it; an up-to-date device or devices (e.g., computer, smartphone, mobile device, tablet, etc.) suitable for connecting to the Internet or for downloading our mobile applications or accessing our mobile websites; These are subject to change periodically, and it is your responsibility to ensure that you have adequate hardware and software to use P2P Payment services within the Bank’s Online Banking system.

3. SECURITY / PASSWORDS AND PINS

Electing to use P2P does not require additional PIN’s or passwords other than those you have already established by using the Bank’s Online Banking services and the Bank’s Mobile App.

Your User-ID and password, or PIN, will provide access to your accounts which will allow you to use P2P.

You are responsible for the maintenance, protection and confidentiality of your User-IDs, passwords, PINs and account information related to Online and Mobile Banking services and related devices. Your password and PIN will be determined by you and are not accessible by the Bank or its employees.

Never tell your password, PIN or other account access information to anyone. If you allow someone else to use your password or PIN, or access your account information, or your mobile banking device, you do so at your own risk; we will not be liable for any damage resulting to you. You understand and agree that use of your User-ID and password, or your PIN and mobile banking device, will be considered authorized unless First Southern has previously been notified to cancel your Online and Mobile Banking services. If your User-ID and password are for a business account (that is, an account that is not established primarily for personal, family or household purposes), we will not be liable for your negligence in protecting that information.

THE BANK WILL NEVER ASK YOU FOR YOUR PASSWORD, PIN OR ACCOUNT NUMBER BY CALLING YOU ON THE PHONE, E-MAIL OR TEXT MESSAGING. NEVER GIVE THIS INFORMATION OUT. IF YOU DO, YOU MAY INCUR RISK OF LOSS IN YOUR ACCOUNT.

4. NO WARRANTIES, LIMITATION OF LIABILITY

First Southern will strive to ensure your P2P transactions are processed promptly and in accordance with your instructions, to the extent that such processing is within our control. Notwithstanding the foregoing, First Southern shall not be responsible for and is not liable to you (or any other owner of the account) for transfers not promptly processed, or not processed in part or in their entirety, as a result of the following:

Your failure to correctly identify the recipient of a transfer.
Your failure to properly use the P2P system, including transferring an incorrect dollar amount from your account.
Malfunction of your mobile device, your computer, or loss of connectivity or failure of the device’s carrier.
An insufficient balance in your account to cover the amount of funds requested to be transferred, or insufficient amounts for any arrangement to cover overdrafts in your account.
The Bank’s suspicion that fraud or illegal activity has occurred or is occurring in your account or by the account owners
Prohibition upon the Bank to process the transaction as a result of federal or state laws, regulations, court orders, law enforcement orders, or any other governing body that places restrictions on the Bank or the transaction.
Your account has been closed, or the funds have been frozen.
Malfunction of the P2P system or the Bank’s Online Banking system and you were notified of the problem when you initiated the P2P Payment.
Malfunction of the P2P system beyond the reasonable control of the Bank.
Any and all other circumstances beyond the control of the Bank including but not limited to fires, floods, and other natural disasters, interruptions in telephone service or other communication lines, acts of terrorism, cyber-security threats, wars, and government actions.

EXCEPT AS MAY BE PROVIDED ELSEWHERE IN THIS AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF ANY ONLINE OR MOBILE BANKING SERVICE INCLUDING P2P, IS AT YOUR SOLE RISK AND THAT THE ONLINE AND MOBILE BANKING SERVICES AND ALL INFORMATION, SOFTWARE, PRODUCTS AND CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM OUR ONLINE OR MOBILE BANKING WEBSITES ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

YOU ACKNOWLEDGE THAT NEITHER THE BANK NOR ANY OF ITS THIRD PARTY SERVICE PROVIDERS WARRANT THAT ANY ONLINE OR MOBILE BANKING SERVICE, INCLUDING P2P, WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OR THAT ALL ERRORS WILL BE CORRECTED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE BANK AND ANY THIRD PARTY SERVICE PROVIDERS SPECIFICALLY DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, BY FACT, BY STATUTE OR OTHERWISE, WHETHER ORAL OR WRITTEN, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE ONLINE AND MOBILE BANKING SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE ONLINE OR MOBILE BANKING SITE(S). NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

UNLESS EXPRESSLY PROVIDED IN THIS AGREEMENT, NEITHER THE BANK NOR ANY OF ITS THIRD PARTY SERVICE PROVIDERS SHALL BE LIABLE FOR INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO, ANY LOSS OF DATA, BUSINESS OR PROFITS, WHETHER OR NOT FORESEEABLE AND WHETHER OR NOT BASED ON BREACH OF WARRANTY, CONTRACT OR NEGLIGENCE IN CONNECTION WITH THIS AGREEMENT OR THE USE OR INABILITY TO USE ANY OF THE ONLINE OR MOBILE SERVICES, P2P, OR PRODUCTS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR CLAIMS AGAINST US OR ANY SERVICE PROVIDER BY A THIRD PARTY. WE WILL NOT BE LIABLE FOR ANY DAMAGES, REGARDLESS OF THEIR NATURE, FOR ANY DELAY OR FAILURE TO PERFORM OUR OBLIGATIONS UNDER THIS AGREEMENT ARISING FROM OR RELATED TO THE ONLINE OR MOBILE BANKING SYSTEM INCLUDING P2P, EQUIPMENT, BROWSER AND/OR THEIR INSTALLATION OR MAINTENANCE, ACCESS TO OR USE OF THE ONLINE AND MOBILE BANKING SERVICES, YOUR GRANTING TO US OR TO ANY THIRD PARTY SCREEN SHARING OR REMOTE CONTROL ACCESS TO YOUR ACCOUNT OR TO YOUR COMPUTER SYSTEM(S) OR SMART DEVICE(S) FOR TECHNOLOGY SUPPORT, FOR TRANSACTION ASSISTANCE, OR THIRD PARTY SERVICE, FOR EXAMPLE, ACCOUNT AGGREGATION, OR FOR FAILURE OF ELECTRIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE ONLINE OR MOBILE BANKING SYSTEM, OR COMMUNICATIONS LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE ONLINE AND MOBILE BANKING SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU MAY EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL.

5. GOVERNING LAW, SEVERABILITY AND WAIVER

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

6. BANK CONTACT INFORMATION

You can contact us in any of the following ways: Secure online message via Online Banking; Call us at 1-866-602-3762; write to us at: FIRST SOUTHERN NATIONAL BANK Attn: Operations Online Support, 102 W Main Street, Stanford, KY 40484; Visit us in person at a First Southern National Bank branch. See www.fsnb.net/locations for a complete list of our locations.

7. ELECTRONIC DELIVERY OF DISCLOSURES

Our Online and Mobile Banking services, which include P2P services, are an electronic, internet based-service. You understand, consent and agree that this Agreement will be entered into electronically, and that disclosures or other communications associated with these services or your accounts may be delivered, or made available to you in an electronic format. Such formats may include, but are not necessarily limited to emails, text messages or disclosures made available by accessing the Bank’s website at www.fsnb.net.

You have the right to withdraw your consent to receive electronic account disclosures, and begin receiving account disclosures in a paper format. There may be additional fees associated with paper delivery of disclosures. In order to withdraw your consent to receive electronic disclosures, you must contact the Bank by e-mail at [email protected].

You may also specifically request a paper copy of a disclosure, without terminating future deliveries of electronic disclosures, by contacting the Bank. Certain fees may apply to this request. You agree, in order to continue receiving disclosures electronically, to notify the Bank of changes in your e-mail address, mobile phone number or any other change in the delivery system used. Any termination of Online or Mobile Banking services, either by you or the Bank, may also terminate delivery of disclosures in electronic format. In such cases, delivery will be made to you in paper form and may result in additional fees. You should print or save a copy of all disclosures delivered electronically. In the event you need an historical copy of a disclosure, please contact the Bank as shown above.

BY USING FIRST SOUTHERN’S P2P SERVICES, YOU AGREE TO THE FOLLOWING:

TO ACCEPT AND COMPLY WITH ALL OF THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT.
TO ACCEPT THE TERMS AND CONDITIONS OF THIS AGREEMENT IN ITS ELECTRONIC FORMAT.
TO RECEIVE OTHER ACCOUNT DISCLOSURES AND COMMUNICATIONS WHICH MAY BE PROVIDED TO YOU FROM TIME TO TIME IN AN ELECTRONIC FORMAT.

IF YOU WISH NOT TO AGREE WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT, PLEASE CANCEL OUT OF THIS PROCESS.

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ONLINE AND MOBILE BANKING USER AGREEMENT TERMS AND CONDITIONS

INTRODUCTION

This agreement sets forth the terms and conditions that apply to your use of the Online and Mobile Banking services offered by First Southern National Bank. These services are provided by First Southern National Bank and/or its service providers.

PLEASE READ THIS AGREEMENT CAREFULLY, AND IN ITS ENTIRETY, BEFORE ACCEPTING ITS TERMS, ENROLLING IN ONLINE BANKING, AND DOWNLOADING FIRST SOUTHERN’S MOBILE APP(S), AND BEFORE INITIATING ANY ONLINE OR MOBILE TRANSACTIONS. BY USING FIRST SOUTHERN’S ONLINE OR MOBILE BANKING SERVICES, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT AND YOU AGREE TO RECEIVE THIS AGREEMENT AND TO ALLOW US TO DELIVER CERTAIN ACCOUNT DISCLOSURES TO YOU IN AN ELECTRONIC FORMAT (DETAILS PROVIDED UNDER THE SECTION ENTITLED “ELECTRONIC DELIVERY OF DISCLOSURES”).

You do not have to use all Online and Mobile Banking services offered. You may pick and choose which ones best suit your needs. However, before requesting and using one or more of these services, you must accept the terms of this agreement. If you have any questions related to this agreement or the use of Online or Mobile Banking services, please call the Bank at (866) 602-3762. You also may find additional information by visiting our website at www.fsnb.net. As used in this agreement,

the terms “Bank,” “we,” “us,” “our” and “First Southern” refer to First Southern National Bank and any service provider, agent, independent contractor, designee or assignee the Bank may use in the provision of Online or Mobile Banking services; and
the terms “you” or “your” refers to a customer of First Southern National Bank we permit to use our Online Banking and/or Mobile Banking services.

1. ELIGIBILITY REQUIREMENTS AND USE OF ONLINE BANKING

To be eligible to activate and use our Online and Mobile Banking services, you must have at least one eligible account with First Southern National Bank. An “eligible account” is any account(s) the Bank permits you to access using Online or Mobile Banking services under the terms of this agreement. Typically, eligible accounts would include checking, savings, money market and loan accounts. Some accounts may not be eligible for Online or Mobile Banking services. For more information regarding account eligibility, please contact us by calling (866) 602-3762. You agree to maintain sufficient funds to cover any transaction and associated fees (if any) in any deposit account for which you have access to these services. Transactions that result in insufficient funds in your account will be subject to the Bank’s normal overdraft charges, return policies or other fees as defined in the account agreement and account disclosures provided to you at account opening or thereafter.

Access to Online Banking services is available 24 hours per day except for short maintenance periods. Normal banking hours are listed on the Bank’s website at www.fsnb.net. The terms of this agreement in no way replace, invalidate or supersede the terms contained in the account agreement and disclosures governing your account(s) at First Southern National Bank, as amended, supplemented and updated from time to time. Any accounts that are approved by us for Online
and/or Mobile Banking services remain subject to the terms and conditions applicable to those accounts.

2. EQUIPMENT AND SOFTWARE REQUIREMENTS

You should have a personal computer with a secure internet-connected browser which supports 128-bit, U.S. security level encryption to access our Online Banking services. In addition, your computer must be capable of receiving, accessing, displaying and either printing from your printer or storing documents provided to you electronically, in PDF format. If your device is not equipped to view a PDF document, you can download and install software to read documents in PDF format, such as Adobe Reader, from the internet to your computer. [If you are unable to load this software, please do not continue with this agreement.] [Your computer also must be enabled to accept Cookies or JavaScript.]

3. SECURITY / PASSWORDS AND PINS

The personal User-ID and password you establish with us will allow you to use Online Banking services. If you elect to use the Bank’s Mobile App, you also will have the option to create a four digit code (PIN) to use Mobile Banking services without entering your User-ID and password. Your User-ID and password, or PIN, will provide access to your accounts. You are responsible for the maintenance, protection and confidentiality of your User-IDs, passwords, PINs and account information related to Online and Mobile Banking services and related devices. Your password and PIN will be determined by you and are not accessible by the Bank or its employees. Never tell your password, PIN or other account access information to anyone. If you allow someone else to use your password or PIN, or access your account information, or your mobile banking device, you do so at your own risk; we will not be liable for any damage resulting to you. You understand and agree that use of your User-ID and password, or your PIN and mobile banking device, will be considered authorized unless First Southern has previously been notified to cancel your Online and Mobile Banking services. If your User-ID and password are for a business account (that is, an account that is not established primarily for personal, family or household purposes), we will not be liable for your negligence in protecting that information.

Attempts to access your account(s) using an incorrect password may cause your account to be locked from additional attempts. This is designed to protect you from unauthorized attempts by others to access your account. To re-establish access to your account, contact the Bank through the Bank website or by calling (866) 602-3762. Any such requests will be processed during normal banking hours. You agree to monitor your accounts and review your account statements and notices about your account promptly after they are delivered electronically or by mail to ensure no unauthorized transactions have occurred. In the event unauthorized transactions have occurred, or if you have any knowledge of attempts of unauthorized transactions to your account(s), you should contact the Bank immediately. This may help you to reduce the amount of your liability for unauthorized transactions in your account. Refer to your account agreement and account disclosures for specific details regarding unauthorized transactions.

In the event you lose your password, or someone has stolen your password, you must contact the Bank immediately by calling (866) 602-3762.

PLEASE REMEMBER THAT THE BANK WILL NEVER ASK YOU FOR YOUR PASSWORD, PIN OR ACCOUNT NUMBERS BY CALLING YOU ON THE PHONE, E-MAIL OR TEXT MESSAGING. NEVER GIVE THIS INFORMATION OUT. IF YOU DO, YOU MAY INCUR RISK OF LOSS IN YOUR ACCOUNT.

4. ONLINE BANKING SERVICES PROVIDED

The Bank provides Online services to its customers through the internet. Customers enrolling for this service can view their accounts, make payments on loans maintained at the Bank, and access their Online Statements. Additional features offered under this agreement include making transfers between accounts, Online Bill Pay, Mobile App, SimpleView, and activating and deactivating your First Southern National Bank debit or ATM card (a card “on” / “off” feature). These features are discussed in more detail below. You authorize First Southern to post transactions generated through the Online and Mobile Banking services with the use of your User ID and password, or PIN.

You are permitted to use the Online and Mobile Banking services offered only as expressly authorized by this agreement. You agree that you will not use any Online or Mobile Banking service for any purpose that is unlawful or in violation of this agreement or the account agreement and account disclosures governing your account.

First Southern National Bank uses the software and products of unaffiliated third parties to provide Online and Mobile Banking services under this agreement. You acknowledge that these Online and Mobile Banking services are provided by First Southern National Bank “AS IS” and “AS AVAILABLE” and without warranty or guaranty and that, from time to time, the services may be interrupted, delayed or disrupted due to circumstances beyond First Southern National Bank’s control.

4.(a) Transfers Between Accounts
You may request us to transfer funds between eligible First Southern accounts. Transfer requests are processed on business days (business days are Monday through Friday, other than Federal Holidays on which the Bank is closed). If you submit your transfer request on a business day prior to the transfer deadline established by the Bank for the service you are using to submit the request, your transfer will be posted that day. If you request a transfer after the applicable cutoff time or on a day that is not a business day, your transfer will be treated as initiated and made on the next business day. The Bank has established different cutoff times for different types of services. The cutoff time that applies to Online transfer requests may be different from the cutoff time that applies to transfer requests using the Mobile Banking App. To determine what the current transfer cutoff time is for the service you are using, please call the Bank or refer to our website under Online Banking.

You must have sufficient funds available in the selected account at the time the transfer request is received; otherwise the transfer will not be completed. Each transfer from a savings account using our Online or Mobile Banking services is counted as one of the 6 limited transactions permitted each month or each billing cycle. Each transfer using Online or Mobile Banking services also counts towards the limited number of transfers allowed before fees are assessed for transactions in your account. You should review your account agreement and disclosures that govern your account for more information regarding applicable fees, or you may contact the Bank for more information. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing the transferred funds. We may impose holds or other restrictions on your account which may prevent transfers if we suspect
suspicious account activity or to protect the security or integrity of the Online and Mobile Banking services. We may terminate your use of our Online and Mobile Banking services, reject or reverse any transactions you initiate, and/or restrict your right to transfer or receive funds at any time for any reason, including, but not limited to, excessive use, using the transfer service for an unlawful purposes, and tampering, hacking, modifying or otherwise attempting to corrupt the security or functionality of our Online or Mobile Banking transfer services.

4.(b) Online Bill Pay
Online Bill Pay services allow you to pay bills online and direct such payments from your designated account to third parties you wish to pay. Online Bill Pay must be linked to an eligible First Southern deposit account. When a payment instruction is received using Online Bill Pay, you are authorizing us to remit payment from your account to the payee on your behalf. All payments you make will be deducted from the linked deposit account you designate. All payments must be in U.S. Dollars and made payable to payees located in the continental United States. We reserve the right to restrict certain types of payments using this service from time to time. The number of payments may be limited by the type of account linked to Online Bill Pay. The Bank is unable to process tax payments or court directed payments where additional documentation may be required. You should also not use this service to make payments that are time sensitive, such as payments to settle securities purchases or payments to interest bearing accounts. The timeliness of payments is your sole responsibility and we will have no responsibility if a payment is delayed or improperly processed or credited. You should allow a minimum of seven (7) business days prior to the due date of a bill for payment processing. You will be fully responsible for all late charges, finance charges or other actions taken by the
payee. When the due date falls on a non-business day, you should select a payment delivery date prior to the due date to allow for adequate processing time.

Among other reasons, the Bank incurs no liability for the following circumstances:

The payment processing system, internet connections, phone lines or other hardware, software mechanisms are not working properly or for any other reason you do not have internet service;
The payee does not process a payment timely or correctly;
You do not post a payment to the payee in sufficient time to allow adequate processing prior to the due date;
Your account(s) does not contain sufficient available funds to cover the transaction amount, or the transaction(s) exceeds overdraft limits or transfers from other accounts, if applicable. This also includes holds placed on the account for uncollected funds, funds not available for legal reasons, or other reasons why funds cannot be released from the account(s);
You have provided incorrect or inaccurate information regarding the address, account numbers, phone numbers, or other information for payees; or
Circumstances or persons beyond the control of First Southern National Bank or its service providers despite reasonable precautions we have taken.

The Bank shall incur no liability for fees, late charges, interest, penalties, attorney’s fees or other amounts incurred by you or others because of your failure to allow sufficient time for processing and delivery of a payment. If you submit a payment in error, please contact the Bank immediately.

4.(c) Mobile App
The Mobile Banking App is offered as a convenient and supplemental service to your banking needs. It is not intended to replace other methods you use for managing your accounts and services with us. Mobile App features and services may vary depending on the method of Mobile App we offer, the method you select and the capability of your device(s). Mobile App programs are available for download for eligible smart devices. The Bank offers its Mobile App for download via the Apple iTunes Store and the Google Play Store. With the Mobile Banking App, eligible users may access account balances, view posted transaction information, make transfers between eligible accounts, view and get directions to First Southern locations, activate or deactivate their First Southern Debit Card, pay bills, initiate mobile deposits, receive security alerts, view check images, and other services.

· COSTS
The Mobile App requires web browsing capabilities and internet connectivity. First Southern does not charge a fee for the Mobile App, but you are responsible for providing internet connectivity through a personal / shared public wireless connection or through your mobile carrier. Additional fees from your wireless provider may apply.

· ENROLLMENT
To utilize the Bank’s Mobile App, download the App from your App Store. Once downloaded, you will be prompted to log in using your Online Banking credentials each time the App is launched.
Customers not already enrolled in Online Banking may enroll directly from the Mobile App or at www.fsnb.net.

· KEEPING YOUR INFORMATION AND APP CURRENT
You agree that you will keep current your personal contact information on record at the Bank, including your e-mail address, as it is used for important account and security alerts. You may update your email address online via the Bank website, by visiting a branch, or by calling us at (866) 602-3762. You also agree to remain informed of any changes to the Mobile App by regularly visiting our website and to allow Mobile App updates as they are released.

· SAFETY AND SECURITY – PROTECTING YOUR DEVICE
You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Mobile App. You agree not to leave your device unattended while logged into the Mobile App and to log off immediately at the completion of each access by you. You agree to notify us immediately if you lose, or change or cancel the number of your registered device. If you believe that someone may have unauthorized access to your Mobile App, you agree to cancel your Mobile App associated with the device immediately. You agree to comply with all applicable laws, rules and regulations in connection with the Mobile App. The Bank makes no representation that any content or use of the Mobile App is available for use in locations outside of the United States.

Accessing the Mobile App from locations outside of the United States is at your own risk, and you are responsible for compliance with local laws. If your password or PIN is lost, stolen or your number is changed, you should contact the Bank immediately at (866) 602-3762.

· TRANSFERS
You may use certain Mobile Banking App methods to transfer funds between eligible First Southern accounts, as described in Section 4.(a) above. To determine the current transfer cutoff time that applies to transfer request submitted using your Mobile Banking App, please call the Bank. The Bank will incur no liability for transactions that are not properly processed due to circumstances beyond the Bank’s control such as, but not limited to (I) poor or no service connection on your phone

(II) inadequate connections due to the failure of your phone carrier, or (III) your failure to use your phone or the Mobile App properly.

· MOBILE DEPOSIT
Mobile Deposit allows you to deposit checks electronically, using the Mobile App, eliminating the need to make a physical bank deposit. At our discretion, we may establish limits on the amount and / or number of deposits that you may submit using Mobile Deposit and may modify those limits at any time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit remains subject to the terms of this agreement, and we will not be obligated to allow such a deposit at other times. In order to use this service, you must be designated as an authorized signer or owner of a First
Southern account that is eligible for this service. The Bank reserves the right to require an approval process for this service at its sole discretion. An eligible account in which we permit you to use Mobile Deposit is referred to in this agreement as your “Mobile Deposit account.”

You agree to maintain your Mobile Deposit account in good standing and comply with the requirements and restrictions set forth in this agreement, in addition to any terms, conditions and fees that apply under any other agreements you have with the Bank governing the terms of your account, as amended from time to time.

First Southern currently does not charge a fee to use the Mobile Deposit service; however, we reserve the right to assess a fee in the future and to adjust such fees at any time. Mobile Deposit allows you to deposit most U.S. consumer and business checks. Checks that are not eligible for this service include but are not limited to: checks payable to any person or entity other than you, foreign checks, substitute checks, government bonds, checks payable in a medium other than U.S. Dollars, and U.S., state or other savings bonds. When making mobile deposits:

You are responsible for inspecting both the physical check items and check images as they appear on the screen of your mobile device for quality, completeness, accuracy, validity and integrity. Because some physical security features on the actual checks, such as watermarks, may not survive the imaging process, you must manually examine checks prior to transmission to the Bank to verify their authenticity.
You are required to examine check images to ensure the payee name, amount, signature and other important pieces of information are legible and in accordance with the physical check. If they are not, cancel the image and scan or take a new photograph of the item.
You must bring a check to the Bank for deposit if the image of the original paper check remains illegible after repeated scanning/photographing attempts.
You should regularly inspect your mobile image camera to ensure that it is operating optimally. Please refer to the user manual of your mobile device for instructions on equipment cleaning and care.

MICR Lines on the Check
The bottom of your check contains numeric information that identifies the bank on which the check is drawn, the account number and the check number. This information is known as the MICR line (Magnetic Ink Character Recognition). A MICR defect, such as a tear in the MICR line, or markings over the MICR line may inhibit the scanner or mobile phone’s ability to read this information. If you receive error messages indicating that the mobile phone is unable to read the MICR line, the check with defects in the MICR line must be physically deposited at a branch or ATM.

Check Safekeeping, Retention, and Destruction
Check storage and the destruction of items processed through Mobile Deposit is your responsibility. After electronically depositing your check(s) you should securely store the check(s) in a manner that ensures that it is not presented again for payment. Upon proper clearing of funds and confirmation of your deposit from the Bank, you agree to prominently mark the check as “Electronically Presented” or “VOID.” You agree any check that has been transmitted through Mobile Deposit will not be presented by you or any person again. You agree to retain checks that you have deposited with Mobile Deposit for at least 90 days after the deposit is made and, during that period, to provide the retained checks, or copies of the front and back of retained checks, to the Bank, at our request. Thereafter, you agree to destroy the checks by shredding or any other manner that renders them incapable of being used for additional transactions.

If you believe you may have deposited a check item more than once, please contact the Bank immediately at (866) 602-3762. Do not re-scan/photograph the items.

Processing Your Electronic Item(s) / Availability of Funds
A check that you transmit for deposit in your Mobile Deposit account using Mobile Deposit is referred to as an “Electronic Item.” For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you transmit your Electronic Item(s) to First Southern before 4:00 p.m. EST (the “Mobile Deposit Cut-Off Time”) on any business day, we will review and process your Electronic Item(s) on that business day. If you transmit your Electronic Item(s) to us after the Mobile Deposit Cut-Off time on any business day, we shall review and process your Electronic Item(s) on the next business day. Your Electronic Item(s) is deemed to have been received by the Bank when the Mobile Deposit service generates a confirmation message.

Exception Items
We will use reasonable efforts to review each Electronic Item and to reject any Electronic Item that we in our sole discretion determine to be ineligible for the service (each, an “Exception Item”). An “Exception Item” includes, without limitation, an Electronic Item that (a) is illegible or contains MICR data that is not machine-readable, (b) was previously processed as an Electronic Item or (c) is drawn on banks located outside the United States and is not payable at or through a bank located within the United States. We will notify you of each Exception Item through Online Banking Secure E-mail or other communication channels at our discretion. If you wish to attempt to deposit any Exception Item to your account, you shall do so only by depositing the original paper item on which the Exception Item is based or otherwise as agreed between us. If we do not initially identify an Electronic Item as an Exception Item, you should be aware that such items may nevertheless be returned to us by the payor bank for various reasons. The fact that we did not identify the Electronic Item as an Exception Item does not preclude your obligations in regards to the returned item. Regardless of whether or not an item presented for deposit is identified as an exception, the Bank reserves the right to reject any item presented through the use of Mobile Deposit. You will be notified if this occurs and you may present the item physically at a branch location.

Chargebacks
All checks posted to your account through Mobile Deposit are posted subject to our receipt of final payment by the payor bank. Upon receipt of final payment, the item becomes a collected item. If final payment is not received or if any item you have deposited is returned or charged back to us for any reason, you authorize us to charge any of your accounts without prior notice and at any time, for the amount of the returned item, our return fee, any interest paid on that item, and any other fee we pay or incur. We reserve the right to refuse any item for deposit into your account as well as the right to withhold the availability of funds as allowed by law.

Deposits to the Account
Subject to our right to identify and reject Exception Items, or to reject an item for other reasons, an Electronic Item that is not an Exception or rejected Item will be deemed to be deposited in your Mobile Deposit account on the business day that we process the Electronic Item, provided its transmission to us is prior to the Mobile Deposit Cut-Off Time. In addition, an Electronic Item will be deemed to have been deposited at the office where the Mobile Deposit account is maintained.

Termination of Service
First Southern reserves the right to terminate this service at any time and without notice, if you fail to comply with any terms of this agreement or the account agreement or account disclosures governing your account, or if in the Bank’s sole discretion, the Bank determines that you have abused the service or that the Bank will suffer a loss if the service is not terminated immediately.

Your Warranties
Failure to protect your hardware and security credentials may allow an unauthorized party to access the service and transmit an electronic item for deposit. All uses of the service through your security credentials will be deemed to be authorized by you and be binding upon you. You assume the entire risk for fraudulent or unauthorized use of your security credentials to the maximum extent permitted by law. You agree to (1) exercise responsible behavior when using the service, (2) follow the instructions and recommendations that First Southern provides you with respect to the service and (3) use maximum caution in protecting your hardware and security credentials from unauthorized access.

You agree to notify the Bank immediately if you become aware of any loss, theft of or any unauthorized use of the service or your security credentials. You will use the service only for paper items that are payable to and endorsed by you. You will properly secure all hardware you use in connection with the service including, but not limited to, securing the hardware with security credentials to prevent unauthorized use. You will maintain control over and be responsible for secure retention, storage and destruction of original paper items for which you have created an Electronic Item. After transmitting the Electronic Item to us, you will retain the original paper items as discussed in the “Check Safekeeping, Record Retention and Destruction” section of this agreement.

Alert Services
Certain alerts within the Mobile App are designed to call your attention to changes in the access configuration. We strongly encourage you to enable these security alerts and notify us immediately if you are made aware of any change which you did not initiate. We may use the Mobile Banking Alerts to notify you of certain information. The alerts we make available through Mobile Banking may change from time to time. The methods we make available to receive alerts may change from time to time. Not all of your Mobile Deposit accounts may allow for alert notifications. Receipt of any alert may be delayed or prevented by factor(s) affecting your internet service provider(s), phone operator(s) and other relevant entities. We neither guarantee the delivery nor the accuracy of the contents of any alert. First Southern will not be liable for losses or damages arising from (1) non-delivery, delayed delivery or incorrect delivery of any alert; (2) inaccurate content in an alert; (3) your use or reliance on the contents of any alert for any purposes. We reserve the right to terminate any request from you, for any alert, at any time. You may also call us at (866) 602-3762 for assistance with alerts. 4.(d) SimpleView: Personal Finance Manager SimpleView is an internet based personal finance manager service that First Southern National Bank makes available through Geezeo.com to eligible Online Banking customers approved by the Bank. With this service, you may monitor your financial account relationships from your accounts at First Southern or from your account at another financial institution that has the ability to and permits you to release your financial information to SimpleView and First Southern. The service includes analyzing your personal finances through the account information you provide and the impact of various strategies on them. Account(s) for which information is available through SimpleView are referred to in this section as the “SimpleView accounts.” SimpleView will monitor transactions in SimpleView accounts on business days (Monday through Friday, other than Federal Holidays).

In addition to the other terms and conditions in this agreement, if you decide to use SimpleView, you acknowledge and agree to the following terms and conditions of service:

· INFORMATION AND ACCESS AUTHORIZATION:
You authorize First Southern and SimpleView to access your personal financial information for each account you request to include in the SimpleView service. You also authorize First Southern and SimpleView to verify each account that you add to the service and, upon request, you agree to provide proof of ownership of the account. We reserve the right to obtain such additional information as we deem reasonably necessary to confirm that you, or any other financial institution at which you have a SimpleView account, are not using SimpleView in violation of law, including, but not limited to, laws and regulations designed to prevent “money laundering.”

You agree that your use of SimpleView constitutes authorization for us to obtain information related to your SimpleView accounts. You understand and agree that we are not liable under any circumstances for any losses or damages, directly or indirectly, you suffer a loss based on the accuracy of information provided to you through SimpleView.

· USER CONTENT:
By submitting content to SimpleView, you represent that you have the right to grant us the right to access and use such content for the purposes set forth in this agreement.

· ACCOUNTS:
You understand and agree that SimpleView is a financial software tool provided by an unaffiliated third party and your use of SimpleView is independent of any account you maintain at First Southern National Bank. SimpleView is not liable or responsible for any acts or omissions by the Bank in connection with your accounts at the Bank, including without limitation any modification, interruption or discontinuance of any SimpleView account by the Bank. You also agree that neither the Bank nor SimpleView is liable or responsible for any SimpleView account you maintain at another financial institution or any information derived from or transactions conducted in such account.

You agree that we will be acting as your agent when collecting information related to SimpleView from any of your SimpleView accounts and that we will be entitled to rely on this authorization, agency and power of attorney granted by you. You agree that we are authorized to access your SimpleView accounts and account information when providing SimpleView services and that we are not responsible for any inaccuracy, incompleteness or misinformation contained in information retrieved from your SimpleView accounts or for any charges imposed by or the actions, or inactions, of any other financial institution at which you maintain a SimpleView account.

· SUSPENSION AND REINSTATEMENT OF THE SERVICE:
In the event that we at any time incur a problem with your use of the SimpleView service, including, without limitation, attempting to add to SimpleView accounts you are not authorized to access, and without limiting any other right or remedy that we may have under this agreement or otherwise, we reserve the right to suspend or terminate your right to use SimpleView immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect ourselves from loss. In the event of such suspension, you may request reinstatement of the SimpleView service by contacting the Bank using any of the methods provided for under this agreement. We reserve the right to, at our discretion, grant or deny reinstatement of your use of SimpleView. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your SimpleView service subject to restrictions that might not otherwise apply to a SimpleView users. Based upon your subsequent usage of SimpleView, we at our sole discretion may thereafter restore your ability to use SimpleView services.

· YOUR RESPONSIBILITY FOR ERRORS:
You understand that we must rely on the information provided by you and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you. You understand that First Southern National Bank and any other financial institutions receiving your request for the release of information may rely on such request through SimpleView. We are not obligated to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You understand that, if you provide us with incorrect information or if there is any error in your instruction, we will make all reasonable efforts to reverse or delete such account from
SimpleView but you acknowledge and agree First Southern National Bank shall have no liability for any and all losses resulting, directly or indirectly, from any of your errors, duplication, ambiguities or misinformation in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, we reserve the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

Except as otherwise provided in this agreement or as required by law, we assume no responsibility for the timeliness, deletion, mis-delivery, or failure to store any user communications or personalization settings. You understand and expressly agree that any material and/or data downloaded or otherwise obtained through the use of SimpleView is downloaded or obtained at your own discretion and risk and that you will be solely responsible for any damages, including without limitation, damage to your computer system or loss of data that results from the download or the obtaining of such material and/or data.

We make no warranty or representation regarding the results that may be obtained from your use of SimpleView, the accuracy or reliability of any information obtained through SimpleView, the accuracy of any information retrieved by us from your SimpleView accounts at other financial institutions or that SimpleView will be uninterrupted, timely, secure, or error free. We also are not responsible for any authorized access to or alteration of your transmissions or data.

· NO UNLAWFUL OR PROHIBITED USE:
You agree that you will not use SimpleView in any manner that could damage, disable, overburden, or impair SimpleView or interfere with any other party’s use and enjoyment of SimpleView. You may not use SimpleView to obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through SimpleView. These requirements will remain in full force and effect even if this agreement terminates for any reason.

· SECURITY PROCEDURES:
You understand that any other financial institution at which a SimpleView account is maintained may contact us to verify the content and authority of instructions and any changes to those instructions. You understand that, as your agent, we may provide to such financial institution such information as may be required to verify the instructions and as may constitute a valid security procedure under the rules governing such account.

· DEVIATING FROM SECURITY PROCEDURES:
You agree to allow us to authorize any financial institution at which you have a SimpleView account to accept instructions in accordance with any authorization procedures as may be agreed from time to time between you and such financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition, you agree that we may authorize such financial institutions to release your SimpleView account information based solely on these communications.

· ACCOUNT NUMBER POLICY:
If instructions identify a financial institution or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers.

· MEANS OF TRANSFER:
You authorize us to select any means we deem suitable to provide your instructions to the applicable financial institution. These choices include banking channels, electronic means, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable systems used in providing this service.

· OUR LIABILITY:
If we fail to provide SimpleView services in accordance with the terms and conditions of this agreement, we shall be responsible for correcting improper SimpleView account information. We are not responsible or liable for incomplete, incorrect, failed or late account information due to any other financial institution system failures, errors or mistakes.

· VIRUS PROTECTION:
First Southern is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their device(s) using a reliable virus product to detect and remove any viruses. Undetected or un-repaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

4.(e) Card “On / “Off” Feature
Online Banking and the Mobile Banking App provide a feature that allows you to control when your First Southern National Bank debit or ATM card is able to withdraw funds at an ATM, or in the case of the debit card, authorize debit card transactions. Within Online Banking or the Mobile App, you can deactivate, or turn your debit card OFF, which will deny future card transactions (ATM and point of sale). Any previously authorized transactions will be paid, and any recurring transactions you had previously set up will still occur. Turning your card OFF will not affect your checks, mobile or internet transfers, bill payment or any other types of transactions in your account. You can activate, or turn your debit card ON. Within seconds, your card will allow ATM withdrawals and, for debit cards, point of sale transactions. This feature does not alter your obligation to notify us or your liability for unauthorized transfers as explained in the Bank’s Electronic Fund Transfers disclosure provided to you at account opening and as amended from time to time.

5. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

In order to provide many of our Online Banking services, we must disclose information about your accounts and account transactions to third parties who provide services to us or to you. We may also disclose your account information to third parties in order to complete your transactions, in connection with our investigation of any claim you may make, to comply with government agency or court orders, when we have your written permission, and in other circumstances that are disclosed in our Privacy Policy. You will find a copy of our current Privacy Policy on our website at www.fsnb.net.

NO WARRANTIES, LIMITATION OF LIABILITY
EXCEPT AS MAY BE PROVIDED ELSEWHERE IN THIS AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF ANY ONLINE OR MOBILE BANKING SERVICE IS AT YOUR SOLE RISK AND THAT THE ONLINE AND MOBILE BANKING SERVICES AND ALL INFORMATION, SOFTWARE, PRODUCTS AND CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM OUR ONLINE OR MOBILE BANKING WEBSITES ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU. YOU ACKNOWLEDGE THAT NEITHER THE BANK NOR ANY OF ITS THIRD PARTY SERVICE PROVIDERS WARRANT THAT ANY ONLINE OR MOBILE BANKING SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OR THAT ALL ERRORS WILL BE CORRECTED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE BANK AND ANY THIRD PARTY SERVICE PROVIDERS SPECIFICALLY DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, BY FACT, BY STATUTE OR OTHERWISE, WHETHER ORAL OR WRITTEN, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE ONLINE AND MOBILE BANKING SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE ONLINE OR MOBILE BANKING SITE(S). NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

UNLESS EXPRESSLY PROVIDED IN THIS AGREEMENT, NEITHER THE BANK NOR ANY OF ITS THIRD PARTY SERVICE PROVIDERS SHALL BE LIABLE FOR INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO, ANY LOSS OF DATA, BUSINESS OR PROFITS, WHETHER OR NOT FORESEEABLE AND WHETHER OR NOT BASED ON BREACH OF WARRANTY, CONTRACT OR NEGLIGENCE IN CONNECTION WITH THIS AGREEMENT OR THE USE OR INABILITY TO USE ANY OF THE ONLINE OR MOBILE SERVICES OR PRODUCTS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR CLAIMS AGAINST US OR ANY SERVICE PROVIDER BY A THIRD PARTY. WE WILL NOT BE LIABLE FOR ANY DAMAGES, REGARDLESS OF THEIR NATURE, FOR ANY DELAY OR FAILURE TO PERFORM OUR OBLIGATIONS UNDER THIS AGREEMENT ARISING FROM OR RELATED TO THE ONLINE OR MOBILE BANKING SYSTEM, EQUIPMENT, BROWSER AND/OR THEIR INSTALLATION OR MAINTENANCE, ACCESS TO OR USE OF THE ONLINE AND
MOBILE BANKING SERVICES, YOUR GRANTING TO US OR TO ANY THIRD PARTY SCREEN SHARING OR REMOTE CONTROL ACCESS TO YOUR ACCOUNT OR TO YOUR COMPUTER SYSTEM(S) OR SMART DEVICE(S) FOR TECHNOLOGY SUPPORT, FOR TRANSACTION ASSISTANCE, OR THIRD PARTY SERVICE, FOR EXAMPLE, ACCOUNT AGGREGATION, OR FOR FAILURE OF ELECTRIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE ONLINE OR MOBILE BANKING SYSTEM, OR COMMUNICATIONS LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE ONLINE AND MOBILE BANKING SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU MAY EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL.

CHANGES IN TERMS OR OTHER AMENDMENTS

The Bank reserves the right to change the terms and conditions of the Online and Mobile Banking services we offer. You agree to be bound by any amendments or modifications to this agreement by us from time to time. Amendments or modifications may be sent to you by mail, e-mail or messages delivered through the services or may be posted online for your review. If any amendment or modification of this agreement will adversely affect your account, the Bank will notify you within required regulatory timeframes by mail or e-mail at the address you provided to us in our records. You may choose to accept or decline amendments, cancellations or changes by continuing or discontinuing the accounts or services to which these changes relate, at your option. Regardless of your receipt of e-mail or message notification, you agree that our posting of an amendment to this agreement or other change in the terms and conditions of the Online Mobile Banking services on the Online Banking Website constitutes delivery of your notice of the amendment or change. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. You also understand and agree that we are not responsible to the extent performance is prevented or delayed due to causes beyond such party’s reasonable control and without its negligent or willful misconduct, including without limitation acts of God, natural disasters, terrorist acts, war or other hostilities, labor disputes, civil disturbances, governmental acts, orders or regulations, third party nonperformance or failures or fluctuations in electrical power, heat, light, air conditioning or telecommunications equipment.

TERMINATION OF SERVICES

You may terminate the use of Online or Mobile Banking services, or any Online or Mobile Banking service, by contacting First Southern National Bank in writing by mail, email or personal delivery. If your account is closed or restricted for any reason, Online Banking accessibility will automatically terminate. First Southern may terminate this agreement, or any Online or Mobile Banking service, at any time with or without notice. You agree that our rights and remedies arising out of any breach of this agreement by you, the limitations on our liability, and our rights to indemnification under this agreement are continuing and shall survive the termination of this agreement.

BANK CONTACT INFORMATION

You may contact the Bank by calling (866) 602-3762 or by writing to First Southern National Bank, P.O. Box 328, Stanford, Kentucky 40484-0328. You may also contact us on our website at www.fsnb.net.

GOVERNING LAW, SEVERABILITY AND WAIVER

This agreement will be governed by and construed in accordance with the laws of the United States of America and the laws of the Commonwealth of Kentucky, without regard to Kentucky’s conflict of law provisions. If any provision of this agreement conflicts with applicable law or is held invalid or unenforceable by a court of competent jurisdiction, the remainder of this agreement will continue in full force and effect and be valid and enforceable to the fullest extent permitted by law. We will not be deemed to have waived any of our rights under this agreement unless such waiver is in writing and signed by us. No delay or omission by us in exercising any rights or remedies shall operate as a waiver of any rights or remedies. A waiver on one occasion shall not be construed as a waiver of our rights or remedies on future occasions.

WEBSITE OWNERSHIP; PROPRIETARY RIGHTS

The content, design, information, images and offers on the Bank’s website and associated with these Online and Mobile Banking services are owned and copyrighted by First Southern National Bank, its affiliates or third-party service providers, or other parties from whom they directly or indirectly license (or sub-license) the same. You may not copy, reproduce, distribute, or create derivative works, reverse engineer, or reverse compile any of this material or any of the services offered pursuant to this agreement. The unauthorized use, reproduction, distribution or reverse engineering of this material is strictly prohibited. You agree that any party that licenses software to the Bank, directly or indirectly through one or more sub-licensees, to provide Online or Mobile Banking services is a third party beneficiary to this agreement with respect to those provisions dealing with use and protection of intellectual property.

SPECIAL DISCLOSURES FOR CONSUMER ACCOUNTS

If your account was established primarily for personal, family or household purposes, your liability for unauthorized transfers may be limited. Please refer to the account disclosures provided to you at account opening or thereafter from time to time for a description of these limitations, the steps you must take for them to apply and procedures to resolve errors.

SPECIAL DISCLOSURES FOR BUSINESS ACCOUNTS

The provisions under this heading apply if your account is a business account. As used in this agreement, a “business account” is any account not established primarily for personal, family or household purposes. You represent that your acceptance of this agreement and your enrollment for Online and/or Mobile Banking services is authorized. You also represent to us that anyone using any User-ID and password, or PIN, for your business account has general authority to give us instructions to perform transactions using our Online and Mobile Banking services. You agree to be bound by all transactions in your business account where a valid User-ID and password, or PIN, are used. You further agree that we will not be liable for any fraud, theft or breach of your computer system as long as we comply with the terms of this agreement, even though funds are transferred from your business account to someone who is not entitled to them.

You agree to indemnify and hold harmless First Southern National Bank, its officers, employees, directors, suppliers, service providers, independent contractors and agents, in their individual capacities or otherwise, from and against any losses arising out of any loss, theft, claim, cost or cause of action arising from any activity, including unauthorized electronic transfers, in, to or from your business account which occur or are enabled by a breach or intrusion into your security system or by misuse of your security system by anyone, including your employees or representatives. If a wrongdoer obtains any User-ID, password, PIN or other security information and makes an unauthorized transfer from your business account, you will be liable and the Bank will not. Unless there is substantial evidence to the contrary, our records will be conclusive regarding any access to or action taken through our Online or Mobile Banking services.

ELECTRONIC DELIVERY OF DISCLOSURES

Our Online and Mobile Banking services are an electronic, internet based-service. You understand, consent and agree that this agreement will be entered into electronically, and that disclosures or other communications associated with these services or your accounts may be delivered, or made available to you in an electronic format. Such formats may include, but are not necessarily limited to emails, text messages or disclosures made available by accessing the Bank’s website at www.fsnb.net.

The disclosures and other communications that may be delivered electronically include, but are not limited to the following:

Monthly account statements
Deposit account disclosures
Notices regarding changes in account terms and fees
Privacy notices
Holds notices
This agreement
Amendments, modifications or supplements to this agreement or other changes to the terms and conditions under which Online and Mobile Banking services are provided
Your records of funds transfers and other transactions through the Online or Mobile Banking services, including without limitation confirmations of individual transactions.
Any initial, periodic or other disclosures or notices provided in connection with the Online Banking and Mobile Banking services, including without limitation those required by federal or state law.
Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of Online or Mobile Banking services
Any other communication related to our Online and Mobile Banking services.

Although we reserve the right to provide disclosures and other communications in paper format at any time, you agree that we are under no obligation to do so as long as your consent to receive electronic disclosures has not been withdrawn. All disclosures and other communications in either electronic or paper format are considered to be in writing. You should save or print a paper copy of this agreement and any electronic disclosure or other communication that is important to you and retain the copy for your records. If you do not agree to receive this agreement and related disclosures and other communications electronically, you may not use Online or Mobile Banking services. You have the right to withdraw your consent to receive electronic account disclosures, and begin receiving account disclosures in a paper format. There may be additional fees associated with paper delivery of disclosures. In order to withdraw your consent to receive electronic disclosures, you must contact the Bank by e-mail at [email protected].

You may also specifically request a paper copy of a disclosure, without terminating future deliveries of electronic disclosures, by contacting the Bank. Certain fees may apply to this request. You agree, in order to continue receiving disclosures electronically, to notify the Bank of changes in your e-mail address, mobile phone number or any other change in the delivery system used. Any termination of Online or Mobile Banking services, either by you or the Bank, may also terminate delivery of disclosures in electronic format. In such cases, delivery will be made to you in paper form and may result in additional fees. You should print or save a copy of all disclosures delivered electronically. In the event you need an historical copy of a disclosure, please contact the Bank as shown above.

BY USING FIRST SOUTHERN’S ONLINE OR MOBILE BANKING SERVICES, YOU AGREE TO THE FOLLOWING:

TO ACCEPT AND COMPLY WITH ALL OF THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT.
TO ACCEPT THE TERMS AND CONDITIONS OF THIS AGREEMENT IN ITS ELECTRONIC FORMAT.
TO RECEIVE OTHER ACCOUNT DISCLOSURES AND COMMUNICATIONS WHICH MAY BE PROVIDED TO YOU FROM TIME TO TIME IN AN ELECTRONIC FORMAT.

IF YOU WISH NOT TO AGREE WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT, PLEASE CANCEL OUT OF THIS PROCESS.

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TERMS AND CONDITIONS FOR ELECTRONIC ACCOUNT STATEMENTS AND CONSENT TO RECEIVE ELECTRONIC STATEMENTS AND NOTICES

This disclosure documents the Terms and Conditions and your consent to receive an electronic version of periodic account statements and other notices relative to your account(s) at First Southern National Bank (“Bank”). This disclosure is hereinafter referred to as the “Agreement”. Your acceptance of this Agreement will allow the Bank to provide Statements and Notices regarding your account(s) in an electronic format through the Bank’s Digital Banking platform (Online Banking and Mobile Banking).

As used herein, the words “Bank,” “First Southern,” “we,” “us,” and “our” refer to First Southern National Bank with whom you have your account, and any service provider, agent, independent contractor, designee or assignee the Bank may use in the provision of Online or Mobile Banking services. The words “you” and “your” mean you and any other individual(s) identified as owners on the account (the “Designated Account Owner”).

Documents that we may provide to you in electronic form include your periodic bank account statements and account notifications for eligible deposit and loan accounts. Notifications may include, but are not limited to, Non-Sufficient Funds or Overdraft Notices, Dormant Account Notices, Interest Rate Change Notices, Account Maturity Notices, and other notices or disclosures regarding your account(s). These notifications may vary by account type and may change from time-to-time. This list of notifications is not an exhaustive list, but rather an example of the types of notices we may deliver to you in electronic form. Throughout the remainder of this Agreement, such documents will be referred to as “Statements and Notices”.

IF YOU ACCEPT THIS AGREEMENT, THEN YOU AGREE TO THE TERMS AND CONDITIONS CONTAINED HEREIN AND YOU CONSENT TO RECEIVE YOUR STATEMENTS AND NOTICES FOR YOUR ACCOUNTS IN AN ELECTRONIC FORMAT RATHER THAN A PAPER FORMAT.

YOU SHOULD READ THIS AGREEMENT CAREFULLY AND IN ITS ENTIRETY.

TERMS AND CONDITIONS:

ENROLLMENT – Your acceptance of this Agreement will enroll you to receive your Statements and Notices electronically. This will allow you to access, review, download and print Statements and Notices relative to the specific accounts you designate. Statements and Notices will be posted within this Online Banking Platform and you may access your Statements and Notices using your computer or your mobile device after this enrollment process is completed. Accounts with joint and/or multiple Designated Account Owners requires only one account holder’s authorization to enroll. After enrolling, we will stop mailing your paper Statements and Notices to you. If you choose not to enroll by declining this Agreement, you will continue to receive paper versions of the Statements and Notices.

COMBINED STATEMENTS – If you have optionally chosen to combine periodic account statements, those statements will be available in electronic form. You may elect to add or delete eligible accounts from a combined statement by contacting the Bank.

NOTIFICATION WHEN STATEMENTS AND NOTICES ARE AVAILABLE FOR YOUR REVIEW – You will receive an email (the “Alert Notice”) when your Statements and Notices have been posted within Online Banking and are available to access. We will use the email address that you and any Designated Account Owners provided during the enrollment process. These Alert Notices sent by us to you and other Designated Account Owners as applicable will constitute notice and delivery to you and all Designated Account Owners whether or not you access or review the Statements and Notices.

It is each Designated Account Owner’s sole responsibility to access and review promptly their own Statements and Notices. All Statements and Notices delivered in electronic form are binding just as if they were delivered in paper form. We may also choose to provide notifications to you using other electronic formats. If at any time you are not able to access and review your Statements and Notices, it is your responsibility to contact the Bank for assistance.

CURRENT E-MAIL ADDRESS – You agree to update your email address as changes occur to ensure your receipt of Alert Notices. To do so, you may contact the Bank in a manner as described below.

RISKS AND DISRUPTIONS ASSOCIATED WITH INTERNET SERVICES AND EMAIL – Certain risks are associated with the transmission of confidential information through the Internet including but not limited to unauthorized access, systems outages, delays, disruptions in telecommunications services and the Internet. Email is not private or secure. The Alert Notice sent to you alerting you that your Statements and Notices have been posted to your Online Banking account is an unencrypted, automatic email. Although the Alert Notice is not intended to contain personally identifiable confidential financial information, it may contain part or all of your name or other identifying information, which could be seen or intercepted by others if delivered to your business address or other computers or electronic devices not exclusively under your control. You are responsible for keeping the receipt of such emails private and access thereto under your control.

Please do not respond to the Alert Notice by return email, or use it to request information, service, paper copies or other items or to revoke consent. We will not be responsible to act upon requests made in that manner.

INACTIVITY IN YOUR ACCOUNT – Inactivity in your account for an extended period of time may result in an inability to access your Statements and Notices. If this occurs, please contact the Bank for assistance in re-establishing your access.

THIS AGREEMENT AMENDS AND IS IN ADDITION TO ALL OTHER AGREEMENTS. The Terms and Conditions, authorization, and consent set forth herein constitute an agreement by you to use the Online Statement and Notices service as described herein and may be modified or amended by us upon written notice sent to you or by posting an updated Agreement to your Online Banking account and sending you an email notification, posting notification within Online Banking, or similar written notice thereof. Your continued use of Online Statements and Notices after such notification of change shall be understood as your agreement to be bound by all such changes. This Agreement is in addition to and part of the terms and conditions of the other agreement(s) governing your use of Online Statements and Notices and your accounts and relationship with us.

CONSENT TO RECEIVE ELECTRONIC STATEMENTS AND NOTICES:

You acknowledge and agree that upon your acceptance of this Agreement, as well as, the Terms and Conditions Agreement disclosed to you when you enrolled in the Bank’s Online Banking program, and changes to such Terms and Conditions as disclosed to you from time-to-time, that you are providing your consent to receive your periodic Statements and Notices in an electronic format. Although we reserve the right to provide Statements and Notices, and other communications in a paper format at any time, you agree that we are under no obligation to do so as long as your consent to receive Statements and Notices has not been withdrawn. All Statements and Notices, and other communications provided to you in electronic form are considered to be in writing.
You should save, or print a paper copy, of this Agreement and any Statements and Notices that are important to you and retain a copy for your records.
If you do not provide your consent, you will receive your Statements and Notices in a paper format. Additional fees may apply.

WITHDRAWING YOUR CONSENT – You have the right to withdraw your consent to receive Statements and Notices electronically and begin receiving them in a paper format at any time. There may be additional fees associated with paper delivery of these documents. In order to withdraw your consent, you must contact the Bank as described below.

You may also contact the bank and specifically request a paper copy of a Statement or Notice without terminating future deliveries of electronic Statements and Notices. Certain fees may apply to this request.

In the event of changes in your e-mail address, mobile phone number, or any other delivery system used, you agree to notify the Bank of such change in order to continue receiving Statements and Notices. Any termination of Online or Mobile Banking services, either by you or the Bank, may also terminate delivery of electronic Statements and Notices. In such cases, delivery will be made to you in paper form and may result in additional fees. In the event you need an historical copy of a Statement or Notice, you should contact the Bank for assistance. We reserve the right, at our sole discretion, to discontinue the service of providing electronic Statements and Notices to you or any Designated Account Owners. Upon such termination, delivery of paper Statements and Notices will resume within a reasonable timeframe. Such termination does not affect the validity or legal effect of any Statement or Notice previously delivered to you or any Designated Account Owners through Online Banking.

COMPUTER EQUIPMENT AND SOFTWARE NEEDED – By consenting to this agreement, you agree that you have adequate access to a computer or mobile device with sufficient internet connectivity and software to receive email notifications, access Online Banking and to review your Statements and Notices. You should have access to a personal computer or mobile device with a secure internet-connected browser which supports 128-bit, U.S. security level encryption to access our Online Banking services. In addition, your computer or device must be capable of receiving, accessing, displaying and either printing from your printer or storing documents provided to you electronically, in PDF format. If your computer or device is not equipped to view a PDF document, you can download and install software to read documents in PDF format, such as Adobe Reader, from the internet. If you are unable to load this software, please do not continue with this agreement. Your computer also must be enabled to accept Cookies or JavaScript.

HOW TO REACH US – you can contact us in any of the following ways:

Secure online message via the online banking system
Call us at 1-866-602-3762
Write to us at FIRST SOUTHERN NATIONAL BANK Attn: Operations Online Support, 102 W Main Street, Stanford, KY 40484
Visit us in person at a First Southern National Bank branch. See www.fsnb.net/locations for a complete list of our locations.

Consent – By clicking “Accept Terms” you consent to receive Statements and Notices in an electronic format and you agree to the Terms and Conditions as described in this Agreement.

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TEXT MESSAGE BANKING SERVICES AGREEMENT TERMS AND CONDITIONS

This Agreement sets forth the terms and conditions that apply to your enrollment and use of Text Message Banking Services through First Southern National Bank’s Digital Banking platform (Online Banking and Mobile Banking). The words “Bank,” “First Southern,” “we,” “us,” and “our” refer to First Southern National Bank with whom you have your account, and the words “you” and “your” mean you or the individual(s) identified as owners on the account (the “Designated Account Owner”).

The terms of this Agreement in no way replace, invalidate or supersede the terms contained in the account agreement and disclosures governing your account(s) at First Southern National Bank, as amended, supplemented and updated from time to time. Any accounts that are approved by us for Text Message Banking remain subject to the terms and conditions applicable to those accounts.

Text Message Banking is provided through and housed within the Bank’s Online Banking system. These Terms and Conditions in this Agreement are therefore incorporated in, made a part of and subject to the Bank’s Online and Mobile User Agreement and the Terms and Conditions contained therein. If any provision contained in this Agreement conflicts with any provision in the Online and Mobile User Agreement, the provision contained in the Online and Mobile User Agreement shall govern. The Online and Mobile User Agreement and its Terms and Conditions were presented to you and accepted by you at the time of your enrollment in Online Banking and re-presented to you for your acceptance as the result of amendments or modifications to the Agreement from time-to-time, as applicable. To request a copy of the Online and Mobile User Agreement you may contact the Bank at 866-602-3762.

DESCRIPTION OF THE SERVICE

As used in this Agreement, “Text Message Banking” refers to a method of receiving account information by text sent to or from your mobile device. This allows you to receive by text message the following:

Real-time debit card usage alerts (sends an alert to your mobile device when your debit card is used);
Account balances (allows you to receive your account balance by test message);
Recent account activity (allows you to view by text message recent activity on your account).

This service may only be used in conjunction with eligible deposit accounts at First Southern.

FEES

There are no additional charges by First Southern to enroll in and use Text Message Banking except for real-time debit card usage alerts. If you choose to use the real-time debit card usage alerts, you will be charged $2.00 per month for each debit card. Other fees, beyond the control of the Bank, may be charged by your mobile device carrier.

As an option, you may choose to receive debit card usage alerts by email. There is no charge to receive these services by email.

ENROLLMENT

You may enroll in Text Message Banking by logging into Digital Banking (Online Banking and Mobile App) and selecting the option to activate this service. You may also enroll by calling customer service at 866-602-3762. Enrollment requires identification of your banking relationship as well as your mobile phone number.

TEXT MESSAGE COMMANDS

The following Text Message Banking commands may be used to obtain account information. These commands should be sent to 662265 using your mobile device.

Command Function
BAL Provides account balance
ACT Provides recent activity
HELP General Help
STOP Stops the Text Message / Real-time Debit Card Alerts via Text service
CMD Lists available supported commands

SECURITY / PASSWORDS AND PINS

Electing to use Text Message Banking does not require additional PIN’s or passwords other than those you have already established by using the Bank’s Online Banking services and the Bank’s Mobile App.

TEXT MESSAGES RECEIVED ON YOUR MOBILE DEVICE THROUGH THIS SERVICE ARE NOT SECURE AND ARE NOT ENCRYPTED. BY USING THIS SERVICE, YOU CHOOSE TO DO SO AT YOUR OWN RISK AND YOU ARE RESPONSIBLE FOR PROTECTING YOUR MOBILE DEVICE TO PREVENT UNAUTHORIZED ACCESS TO YOUR ACCOUNT INFORMATION.

CANCELLATION

To cancel this service, send a text “STOP” to 662265 at any time. You can also cancel the service by logging into Digital Banking (Online Banking or Mobile Banking) and deactivating the service or by calling 866-602-3762.

If you deactivate cellular service for the mobile phone number that you enrolled in the Text Message Banking Service, you are responsible for deactivating that same phone number by calling customer service at 866-602-3762.

LIMITATION OF LIABILITY AND NO WARRANTIES

First Southern will strive to ensure these services are processed promptly and in accordance with your instructions, to the extent that such processing is within our control. Notwithstanding the foregoing, First Southern shall not be responsible for and is not liable to you (or any other owner of the account) for text messages not promptly processed, or not processed in part or in their entirety, as a result of the following:

Your failure to correctly use the services.
Malfunction of your mobile device, or loss of connectivity or failure of the device’s carrier.
The Bank’s suspicion that fraud or illegal activity has occurred or is occurring in your account or by the account owners.
Prohibition upon the Bank to process the transaction as a result of federal or state laws, regulations, court orders, law enforcement orders, or any other governing body that places restrictions on the Bank or the transaction.
Your account has been closed, or the funds have been frozen.
Malfunction of the Bank’s Online Banking system and you were notified of the problem.
Malfunction of the system beyond the reasonable control of the Bank.
Any and all other circumstances beyond the control of the Bank including but not limited to fires, floods, and other natural disasters, interruptions in telephone service or other communication lines, acts of terrorism, cyber-security threats, wars, and government actions.

EXCEPT AS MAY BE PROVIDED ELSEWHERE IN THIS AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF ANY ONLINE OR MOBILE BANKING SERVICE INCLUDING TEXT MESSAGE BANKING, IS AT YOUR SOLE RISK AND THAT THE ONLINE AND MOBILE BANKING SERVICES AND ALL INFORMATION, SOFTWARE, PRODUCTS AND CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM OUR ONLINE OR MOBILE BANKING WEBSITES ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

YOU ACKNOWLEDGE THAT NEITHER THE BANK NOR ANY OF ITS THIRD PARTY SERVICE PROVIDERS WARRANT THAT ANY ONLINE OR MOBILE BANKING SERVICE, INCLUDING TEXT MESSAGE BANKING, WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OR THAT ALL ERRORS WILL BE CORRECTED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE BANK AND ANY THIRD PARTY SERVICE PROVIDERS SPECIFICALLY DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, BY FACT, BY STATUTE OR OTHERWISE, WHETHER ORAL OR WRITTEN, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO THE ONLINE AND MOBILE BANKING SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE ONLINE OR MOBILE BANKING SITE(S). NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

UNLESS EXPRESSLY PROVIDED IN THIS AGREEMENT, NEITHER THE BANK NOR ANY OF ITS THIRD PARTY SERVICE PROVIDERS SHALL BE LIABLE FOR INDIRECT, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO, ANY LOSS OF DATA, BUSINESS OR PROFITS, WHETHER OR NOT FORESEEABLE AND WHETHER OR NOT BASED ON BREACH OF WARRANTY, CONTRACT OR NEGLIGENCE IN CONNECTION WITH THIS AGREEMENT OR THE USE OR INABILITY TO USE ANY OF THE ONLINE OR MOBILE SERVICES, TEXT MESSAGE BANKING, OR PRODUCTS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR CLAIMS AGAINST US OR ANY SERVICE PROVIDER BY A THIRD PARTY. WE WILL NOT BE LIABLE FOR ANY DAMAGES, REGARDLESS OF THEIR NATURE, FOR ANY DELAY OR FAILURE TO PERFORM OUR OBLIGATIONS UNDER THIS AGREEMENT ARISING FROM OR RELATED TO THE ONLINE OR MOBILE BANKING SYSTEM INCLUDING TEXT MESSAGE BANKING, EQUIPMENT, BROWSER AND/OR THEIR INSTALLATION OR MAINTENANCE, ACCESS TO OR USE OF THE ONLINE AND MOBILE BANKING SERVICES, YOUR GRANTING TO US OR TO ANY THIRD PARTY SCREEN SHARING OR REMOTE CONTROL ACCESS TO YOUR ACCOUNT OR TO YOUR COMPUTER SYSTEM(S) OR SMART DEVICE(S) FOR TECHNOLOGY SUPPORT, FOR TRANSACTION ASSISTANCE, OR THIRD PARTY SERVICE, FOR EXAMPLE, ACCOUNT AGGREGATION, OR FOR FAILURE OF ELECTRIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE ONLINE OR MOBILE BANKING SYSTEM, OR COMMUNICATIONS LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE, SOFTWARE, THE INTERNET, OR THE ONLINE AND MOBILE BANKING SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION FACILITIES OR ANY OTHER PROBLEMS YOU MAY EXPERIENCE DUE TO CAUSES BEYOND OUR CONTROL.

ELECTRONIC DELIVERY OF DISCLOSURES

Our Online and Mobile Banking services, which include Text Message Banking services, are an electronic, internet based-service. You understand, consent and agree that this Agreement will be entered into electronically, and that disclosures or other communications associated with these services or your accounts may be delivered, or made available to you in an electronic format. Such formats may include, but are not necessarily limited to emails, text messages or disclosures made available by accessing the Bank’s website at www.fsnb.net.

You may also specifically request a paper copy of a disclosure, without terminating future deliveries of electronic disclosures, by contacting the Bank. Certain fees may apply to this request. You agree, in order to continue receiving disclosures electronically, to notify the Bank of changes in your e-mail address, mobile phone number or any other change in the delivery system used. Any termination of Online or Mobile Banking services, either by you or the Bank, may also terminate delivery of disclosures in electronic format. In such cases, delivery will be made to you in paper form and may result in additional fees. You should print or save a copy of all disclosures delivered electronically. In the event you need an historical copy of a disclosure, please contact the Bank as shown above.

BY USING FIRST SOUTHERN’S TEXT MESSAGE BANKING SERVICES, YOU AGREE TO THE FOLLOWING:

TO ACCEPT AND COMPLY WITH ALL OF THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT.
TO ACCEPT THE TERMS AND CONDITIONS OF THIS AGREEMENT IN ITS ELECTRONIC FORMAT.
TO RECEIVE OTHER ACCOUNT DISCLOSURES AND COMMUNICATIONS WHICH MAY BE PROVIDED TO YOU FROM TIME TO TIME IN AN ELECTRONIC FORMAT.

IF YOU WISH NOT TO AGREE WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT, PLEASE CANCEL OUT OF THIS PROCESS.

MY CREDIT MANAGER + ID PROTECT TERMS OF SERVICE

My Credit Manager + ID Protect is a third-party website that is not owned, operated, or controlled by First Southern National Bank. We encourage you to review the third-party’s privacy and security policies which may differ from First Southern National Bank.

Customer Acknowledgement

You understand that by clicking on the “I Accept” button and signing up for services, you are providing “written instructions” to First Southern National Bank and its employees, agents, subsidiaries, affiliates, contracts, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identify and to provide the products and/or services to you. You agree and hereby authorize Array, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties. You waive any and all claims against Array and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. You further authorize Array and its agents and employees to obtain various information and reports about you (or your child that you have enrolled, if applicable) in order to provide the products and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.

Release from Liability

By clicking on the “I Accept” button, I hereby agree, on behalf of myself, my heirs and my personal representatives, to fully and forever discharge and release First Southern National Bank and its affiliates, and their respective owners, partners, agents, operators, managers, employees and representatives (“Released Parties”) from any and all claims I may have or hereinafter have for any injuries, damages, liabilities, expenses and/or causes of action, now known or hereafter known in any jurisdiction in the world, attributable to or relating in any manner to my use of the services provided, whether caused by the negligence of First Southern National Bank or any of the Released Parties or by any other reason. I acknowledge and agree that this Release and Waiver of Liability is intended to be, and is, a complete release of any responsibility of the Released Parties for any and all injuries, damages, liabilities, expenses or causes of action sustained by me while using any of the services.

Terms and Conditions

Terms and Conditions

Table of Contents

iPay USER AGREEMENT TERMS AND CONDITIONS

INTRODUCTION

ELIGIBILITY REQUIREMENTS AND USE OF ONLINE BANKING

EQUIPMENT AND SOFTWARE REQUIREMENTS

SECURITY / PASSWORDS

ONLINE BANKING SERVICES PROVIDED

COSTS

ENROLLMENT

KEEPING YOUR INFORMATION CURRENT

CARD ON/OFF FEATURE

TRANSFERS

MOBILE DEPOSIT

SimpleView: Personal Finance Manager

CHANGES IN TERMS OR OTHER AMENDMENTS

TERMINATION OF SERVICES

BANK CONTACT INFORMATION

GOVERNING LAW

WEBSITE OWNERSHIP

INDEMINIFICATION

ELECTRONIC DELIVERY OF DISCLOSURES

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PERSON-TO-PERSON PAYMENTS SYSTEM AGREEMENT TERMS AND CONDITIONS

INTRODUCTION

1. ELIGIBILITY FOR USE OF P2P

2. USE OF THE P2P SERVICE

3. SECURITY / PASSWORDS AND PINS

4. NO WARRANTIES, LIMITATION OF LIABILITY

5. GOVERNING LAW, SEVERABILITY AND WAIVER

6. BANK CONTACT INFORMATION

7. ELECTRONIC DELIVERY OF DISCLOSURES

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ONLINE AND MOBILE BANKING USER AGREEMENT TERMS AND CONDITIONS

INTRODUCTION

1. ELIGIBILITY REQUIREMENTS AND USE OF ONLINE BANKING

2. EQUIPMENT AND SOFTWARE REQUIREMENTS

3. SECURITY / PASSWORDS AND PINS

4. ONLINE BANKING SERVICES PROVIDED

5. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

CHANGES IN TERMS OR OTHER AMENDMENTS

TERMINATION OF SERVICES

BANK CONTACT INFORMATION

GOVERNING LAW, SEVERABILITY AND WAIVER

WEBSITE OWNERSHIP; PROPRIETARY RIGHTS

SPECIAL DISCLOSURES FOR CONSUMER ACCOUNTS

SPECIAL DISCLOSURES FOR BUSINESS ACCOUNTS

ELECTRONIC DELIVERY OF DISCLOSURES

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TERMS AND CONDITIONS FOR ELECTRONIC ACCOUNT STATEMENTS AND CONSENT TO RECEIVE ELECTRONIC STATEMENTS AND NOTICES

TERMS AND CONDITIONS:

CONSENT TO RECEIVE ELECTRONIC STATEMENTS AND NOTICES:

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TEXT MESSAGE BANKING SERVICES AGREEMENT TERMS AND CONDITIONS

DESCRIPTION OF THE SERVICE

FEES

ENROLLMENT

TEXT MESSAGE COMMANDS

SECURITY / PASSWORDS AND PINS

CANCELLATION

LIMITATION OF LIABILITY AND NO WARRANTIES

ELECTRONIC DELIVERY OF DISCLOSURES

MY CREDIT MANAGER + ID PROTECT TERMS OF SERVICE

Customer Acknowledgement

Release from Liability

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