If you have been directed to this page through the Online Banking Enrollment process, you may review any of the disclosures listed by clicking on the applicable link. To complete your enrollment, simply close out this disclosure page by clicking the X located at top. The original Online Banking Enrollment page will still be open and after clicking the "Acceptance" box, click the "Submit" button.

 

Consumer Online Banking Agreement

 

Read this Agreement carefully and print a copy for your records

FIRST CITIZENS NATIONAL BANK

CONSUMER ONLINE BANKING AGREEMENT

CONSUMER BILL PAY AGREEMENT

 

The following information represents the Consumer Online Banking Agreement between you and First Citizens National Bank (“Bank,” “we,” “our,” “ours”).  This Agreement, including, as applicable, the signature card, rate and fee schedule, Truth in Savings disclosures, Funds Availability Policy Disclosure, Electronic Funds Transfer Agreement and Disclosure, and other instructions and the terms and conditions contained herein relating to specific Services that may be provided in connection herewith (collectively, this “Agreement”), sets forth the terms and conditions governing the provision of Online Banking services to you or anyone authorized by you (collectively, “Customer,” “you,” “your,” “yours”) and describes your and our rights, responsibilities and obligations.  By clicking the “I agree” button at the end of this Agreement, you are electronically signing this Agreement, which shall be considered the same as your authorized written signature constituting your binding agreement to all terms, conditions, and notices contained or referenced in this Agreement.  Bank, in its sole discretion, may not permit Customer to use the Service until Bank has determined that Customer has accepted or executed the applicable documentation and otherwise provided appropriate information and specifications for the use of the Service, and until Bank has had a reasonable opportunity to activate the Service.  In any event, Customer agrees that the use by Customer of any Service shall, without any further action or execution or acceptance of any documentation on the part of Customer, constitute Customer’s acceptance of and agreement to Bank’s terms and conditions for the use of such Service as may be in effect as of the time of such usage, whether set forth in this Agreement or otherwise prescribed by Bank.  In order to activate the Service, you must have at least one Account with us linked to the Service. 

Therefore, in consideration of the mutual promises contained herein and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you and Bank, intending to be legally bound, do hereby agree as follows:

Article I. Definitions. 

The following terms and definitions apply when used in this Agreement.

 

1.1. “Account” or “Accounts” means one or more checking, savings, money market deposit or loan account that you have with us.

 

1.2. "Account Access" means your ability to access account and transaction information on Accounts and transfer funds between Accounts through the Internet.

 

1.3. "Account Agreement" means the agreement between you and us that governs the use of your Account including the deposit account agreement, any funds availability agreement, electronic funds transfer agreement or disclosure, line of credit agreement, and our schedule of fees and charges.

 

1.4. "Bill Payment Account" means the Account(s) you have authorized us to debit for payment made to Payee(s) in connection with the Online Banking Service.

 

1.5. "Bill Payment Service" means our service that allows you to pay or transfer funds to designated Payees based upon your instructions to us, via personal computer, entered on the bill payment site.

 

1.6. “Bill Payment” or “Payment” means the remittance of funds, initiated through Online Banking Service, from a Bill Payment Account to a Payee.

 

1.7. “Business Day(s)” means 7:00 a.m. to 7:00 p.m. Central Time Monday through Friday.  Federal Holidays are not included. Some online transaction deadlines may vary from this definition. 

 

1.8. “Deposit Account Agreement” has the meaning provided in Section 10.7.

 

1.9. “Electronic” means electrical, digital, magnetic, wireless, optical or electromagnetic technology, or any other technology that entails similar capabilities.

 

1.10. “Funds transfer” or “Transfer” means a transfer of funds, initiated through Online Banking Service, from one eligible account to another.

 

1.11. “Online Banking” or “Service” means the service(s) described in this Agreement.

 

1.12. “Password” means the confidential identification number or other code assigned to you by us or selected by you for identification purposes in connection with the use of our Online Banking Services.

 

1.13. “Payee” means any individual, financial institution, educational institution, company, merchant or other entity you wish to pay using Online Banking Services.

 

1.14. “PC” means personal computer (including any personal data assistant or other wireless access device) that meets the requirements for use of Online Banking Services.

 

1.15.  “Transfer Day” means 8:00 a.m. to 8:00 p.m. Central Time Monday through Friday.  Federal Holidays are not included. Some online transaction deadlines may vary from this definition. 

 

Other definitions may be set forth elsewhere in this Agreement.

 

Article II. Setup and Use of Online Access Services.                         

 

2.1. Eligibility.

 

                To have access to the Services you must be an authorized user of the Software you select, if required for use with the Equipment. You must also have at least one eligible deposit or loan account with us. If you have more than one Account or other relationship with us, we will “link” the Accounts together unless you request certain accounts not be linked. Accounts which are "linked" under the Services will have one common owner and signer. Any signer, acting alone, must be authorized to access a linked account. Any non-linked account will not be accessible through the Service.  You must designate a User Name and Password which will be required to gain access to the Service.   Prior to your first use of Online Banking, the Bank will assign you a User Name and Password (the User Name and Password collectively are referred to as the “Access Codes”), required to gain access to Online Banking.  The Online Banking system will ask you to change your Password the first time that you use the system. 

 

“Eligible Accounts” include the following:

 

1.            Checking (Demand Deposit) Accounts

2.            Savings Accounts

3.            Loans

4.            Certificates of Deposit

 

2.2. Security Procedure.

 

                The use of the Access Codes, in addition to other authentication methods described below, is a security procedure established by Bank to authenticate the identity of the person attempting to gain access to the Service.  The security procedure is not designed for the detection of errors.  We may require you to change your Access Codes from time to time for security reasons. You should keep your Access Codes in a secure location. Any person having access to your Access Codes will be able to access these Services and perform all transactions, including reviewing Account information and making Transfers to other Accounts and to other persons.  You are responsible for safeguarding the Access Codes.  Providing these Access Codes to another person effectively constitutes a grant of authority to access your accounts.

 

2.2.1. You agree to comply with the “Security Procedures” and any other Security Procedures Bank directs you to use, and you acknowledge and agree that the Security Procedures, including (without limitation) any code, password, personal identification number, user identification technology, token, certificate, layered security, or other element, means, or method of authentication or identification used in connection with a Security Procedure (“Security Devices”), constitute commercially reasonable security procedures under applicable law for the initiation of the Services you utilize, including without limitation, transfers and access to confidential information.  You authorize us to follow any and all instructions entered and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised, or otherwise become known to persons other than you or your representative(s) and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction or instructions using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction or instruction notwithstanding any particular designation by you of authorized persons or signature requirements identified on any signature card or other documents relating to this Agreement or your deposit account maintained with Bank, and you agree and intend that the submission of transactions and instructions using the Security Procedures shall be considered the same as your authorized written signature in authorizing us to execute such transaction or instruction.  You acknowledge and agree that you shall be bound by any and all transactions initiated through the use of such Security Procedures, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law.  You further acknowledge and agree that the Security Procedures are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such error.

 

2.2.2. You agree to keep all Security Procedures and Security Devices protected, secure, and strictly confidential and to provide or make available the same only to your authorized representative(s).  You agree not to disclose or provide any Security Procedures or Security Devices to any unauthorized person.  Where you have the ability to change or modify a Security Device from time to time (e.g., a password or User Name), you agree to change Security Devices frequently in order to ensure the security of the Security Device.  You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Security Procedures or Security Device have been stolen, compromised, or otherwise become known to persons other than you or your authorized representative(s) or if you believe that any transaction or activity is unauthorized or in error.  In the event of any actual or threatened breach of security, we may issue you a new Security Device or establish new Security Procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. 

 

2.2.3. You agree to notify us immediately, according to notification procedures prescribed by us, if the authority of any authorized representative(s) shall change or be revoked.  You shall recover and return to us any Security Devices in the possession of any of your authorized representative(s) whose authority to have the Security Device has been revoked.

 

2.2.4. We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures, and/or to cancel or replace any Security Device, at any time and from time to time in our discretion.  We will endeavor to give you reasonable notice of any change in Security Procedures; provided that we may make any change in Security Procedures without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets.  Your implementation and use of any changed Security Procedures after any change in Security Procedures shall constitute your agreement to the change and your agreement that the applicable Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended.

 

2.3. Access.

 

Services are generally accessible 24 hours a day, seven days a week, except that the Services may be inaccessible for a reasonable period on a daily basis for system maintenance.  We are not liable under this Agreement for failure to provide access due to a system failure or due to other unforeseen acts.  We may modify, suspend, or terminate access to the Services at any time and for any reason without notice or refund of fees you have paid.  The Bank may change the terms and conditions of this Agreement from time to time to conform with changes or advancements in our services, or as required by law or regulation. All such changes will be made according to the procedures outlined in Article IX.  Use of Online Banking after the effective date of such changes will constitute your consent to the changes.

 

2.4. Equipment Requirements.

 

In order to use the Services, you must first obtain your own personal computer with Internet connection capability and related equipment (the “Hardware”). You also must provide the type of Internet access required by the Hardware and/or Software, which requires a web browser with Java scripting capabilities and 128-bit SSL encryption.  Once the Hardware has been properly connected and any required Internet access has been established, you will be able to access the Services’ website. You are and will remain solely responsible for the purchase, hookup, installation, loading, operation and maintenance of the Hardware, Software, and the Internet access service to your PC, and for all related costs. You are solely responsible for virus protection and maintenance of your PC.  Bank shall have no responsibility for failures, interruption or other defects in the Services, which are occasioned by incompatible, improperly installed or improperly maintained hardware and software.  The Bank may add to, modify, or replace software programs used in conjunction with providing the Services under this Agreement at its sole discretion and without notice, provided Services rendered to you are not substantially negatively affected or obligations altered.

 

Article III. Consumer Online Access Services.

 

3.1. Available Services.

 

Customers may use the Services to:

 

1.            Make transfers between Accounts you may have with us including checking Accounts, Savings     

               Accounts.

2.            Make Payments to a Payee from your Account(s) (Bill Payment Service).

3.            Make external transfers to your accounts that you maintain at other financial institutions.

4.            Obtain Account balances. Your account balance is generally current as of 8:00 a.m. CT (Standard

               or Daylight) of each Business Day, but may not include current transactions (such as checks

               cashed at a teller on the Business Day). In addition, your account balance may show funds that

               have been credited to your account but are not yet available for withdrawal.

5.            Review recent transactions on your Accounts.

6.            Transfer money to make loan payments.

7.            Transfer money from Home Equity Line of Credit to transactional accounts.

8.            Communicate directly with Bank via the Online Banking secure message center.

9.            Download account information in various formats.

10.          View check images and deposit slips.

11.          Order checks via a link to the check provider.

12.          Obtain access to Bank’s Alert service.

13.          Request a change of address on Accounts enrolled in the Service via Secure Messaging

14.          Enroll in Mobile Banking Service.

15.         Enroll for e-Statements

 

These activities are limited to the extent noted herein and in the agreements governing your various accounts with us. 

 

3.2. Additional Services.

 

Additional services may be included in an update to this Agreement or in other separate agreements to notify you of the existence of any new services available through Online Banking.  Information about new services may be obtained from our website at www.FirstCNB.com.  By using these services when they become available, you agree to be bound by the terms and conditions contained in this Agreement or separate agreements covering these services.

 

3.3. Restrictions; Limits.

 

In most cases you may use Online Banking to gain access to deposit accounts in which you have an unrestricted right to withdraw funds. However, the Bank, as it may determine at any time and from time to time in its sole discretion, may deny Online Banking account access, restrict Online Banking account transactions, or place limits on the specific dollar amount of funds that may be withdrawn or transferred from any account.

 

3.4. Vendor.

 

You acknowledge and agree that the Service is provided by an independent third party service provider (“Vendor”) as selected by Bank, and that both the Vendor and the Service are subject to change from time to time without notice to you.  You further acknowledge, agree, and stipulate that the Vendor is an independent contractor providing software and data transmission services and is not the agent of you or Bank.  Neither the Bank nor the Vendor is responsible for the actions or omissions of the other.

 

3.5. Consumer Disclosure Provisions. 

 

3.5.1. Unauthorized Transactions.

 

To the extent a transaction is an “electronic fund transfer” under Federal Reserve Board Regulation E, tell us AT ONCE if you believe your Password, Access Code, or Security Device has/have been lost or stolen, or if you believe that an Online Banking transaction has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at (731) 285-4410, (800) 321-3176, or write to us at First Citizens National Bank ATTN: Service Center, P.O. Box 370, Dyersburg, TN 38025-0370.  You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization.

 

If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00.  Also, if your statement shows a transaction that you did not make or authorize, tell us at once.  If you do not tell us within sixty (60) days after the statement was mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

 

If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods as may be reasonable under the circumstances.

 

3.5.2. Bank’s Failure to Complete Transactions.

 

To the extent that a Service transaction is an “electronic fund transfer” under Federal Reserve Board Regulation E that relates to an Account established primarily for personal, family, or household purposes, if we do not properly complete a transfer to or from your Account on time or in the correct amount according to the terms of this Agreement, we will be liable for your losses or damages.  However, we will not be liable (and any payment guarantee provided elsewhere in this Agreement will not be applicable) if any of the following occurs:

 

.1. Through no fault of ours, you do not have sufficient collected funds in the Account to complete the transaction;

.2. The transaction would exceed the credit limit on any overdraft line of credit linked to the Account;

.3. Your PC, Internet service provider, telephone line, modem, or other equipment is not operating properly;

.4. The Service is not working properly and you were aware of the malfunction when you initiated the transaction;

.5. You do not properly follow the instructional materials provided in connection with Online Banking;

.6. You do not authorize a Payment within a sufficient period of time for your Payment to be received by the payee by the due date;

.7. You have not provided us with the correct Payee name, address, account information, Payment amount, or other instructions necessary to complete the Payment, or the foregoing instructions stored on your PC’s hard drive or the host system have been lost;

.8. A Payee mishandles or delays the handling of Payments sent by us;

.9. Your funds are held or frozen, or a court order or other legal process prevents us from making a transaction;

.10. Your Access Code has been reported lost or stolen;

.11. We have reason to believe that a transaction has not been properly authorized or authenticated, or is fraudulent, erroneous, or illegal;

.12. You have exceeded the limitations on frequency of transactions or dollar amount of transactions applicable to the Service or the Account;

.13. Your telephone service has been disconnected or there are deficiencies in the quality of your telephone line;

.14. Circumstances beyond our control (such as telecommunication or electrical outages and malfunctions, postal strikes or delays, computer system failures, or natural disasters) prevent the transaction;

.15. Making a transfer would cause us to violate any law, rule, or regulation to which we are subject; or

.16. Any failure on our part was not intentional and resulted from a bona fide error notwithstanding procedures to avoid such error, except for actual damages (which do not include indirect, incidental, special, or consequential damages).

 

There may be other exceptions to liability stated in this Agreement, or in other agreements we have with you, or otherwise provided by applicable law.

 

3.5.3. Error Resolution.

 

In Case of Errors or Questions About Your Electronic Transfers, telephone us, write us at or E-mail us at the number or location provided in Section 10.6  as soon as you can if you think that your statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your PC.  We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared or you received notification of the problem or error on your PC.  You must:

 

.1. Tell us your name and the Account number.

.2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

.3. Tell us the dollar amount of the suspected error.

 

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days.  We will determine whether an error occurred within ten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) after we hear from you and will correct any error promptly.  If we require more time, however, we may take up to forty-five (45) days, (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) to investigate your complaint or question.  If this additional time is necessary, and your written notification has been received by us, we will credit your account within ten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we will not credit your account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) for our investigation.

 

We will tell you the results within three (3) Business Days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may ask for copies of the documents that we used in our investigation.

               

Article IV. Additional Information about the Services.   

 

4.1. Account Access.

 

Transfers and Payments from your Account will be deducted on the date you instruct us to process them.  If the date you schedule a Transfer or Payment falls on a weekend or holiday, we will process your transaction the next Transfer Day.  We may refuse to act on your Transfer instructions or Payment request if sufficient funds, including funds available under any overdraft protection plan, are not available in your Account on the date you want us to make the Transfer or Payment. 

 

4.2. Processing Fund Transfers.

 

We can process a Transfer until 8:00 p.m., Central Time (Standard or Daylight) on a Transfer Day.  If you request a Transfer after the cutoff time, the Transfer will be processed the following Transfer Day.  If you schedule a Transfer for a future date, we will process the transaction after the close of business on that date, if that day is a Transfer Day. 

 

You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made.  If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permissible by the applicable law and the terms of any other relevant agreements.

 

If there are insufficient funds in your Account to make a Transfer or Payment, we may refuse to make the Transfer or Payment or we may make the Transfer or Payment and overdraw your Account.  In either event, you are responsible for any non sufficient funds (“NSF”) charges that may apply.

 

4.3. Canceling Transfers or Payments.

 

You may cancel a PENDING Transfer transaction.  However, to do so, we must receive your instruction to cancel no later than 3:00 p.m. Central Time on the day of the Transfer Day the transaction is scheduled to be processed.  If we don’t receive your instruction to cancel a transaction before that time, we may process the transaction.  Transfers or Payments with status of IN PROCESS may not be cancelled.

 

4.4. Transfer(s) from Savings.

 

  If you exceed the 6 allowed withdrawals or transfers, there will be a $2.50 service charge for each additional withdrawal or transfer paid in excess of six (6). You are permitted unlimited ATM withdrawals and transfers with the FirstCNB Debit Card.  ATM transactions are excluded from the transactions limitations and are not subject to the service charge for exceeding those limits. Point of sale transactions are not allowed on savings accounts.

 

4.5. Transfers from Your Account to Your Account at Another Financial Institution (“External Transfer Service”’).

 

THE EXTERNAL TRANSFER SERVICE.

You can transfer funds from or to an account with Bank from or to a consumer account at another financial institution inside of the United States in which you are an owner. Please note that we may add to, modify, or delete any feature of the External Transfer Service from time to time in our sole discretion.

 

4.5.1.     Registration for the External Transfer Service. You must first register to use the External Transfer Service by following the instructions provided in the Online Banking Service.  When you register, you must provide accurate and complete information, and update such information when necessary so that it remains accurate and complete. By registering for the External Transfer Service, you are representing that the information you provide is true and accurate - if your information is not true and correct, we reserve the right to terminate your account. 

 

4.5.2.     Collection of Personal and Online Account Information. In order to provide you with the External Transfer Service, we will collect or confirm your "Personal Information" as you register for the External Transfer Service. Personal Information is defined as your name, email address, home address and ZIP code. You must also provide us with the name and Routing Number of your other financial institution and your account number (“Account Information”).  You hereby represent that you are the legal owner of your accounts accessed by the External Transfer Service and your Account Information. Please be reminded that we do not review your Account Information and are not responsible for its completeness or accuracy. The External Transfer Service does not have the ability to initiate transactions or deliver notices or instructions concerning your accounts.  You are responsible for all charges associated with your Account Providers.  If, after you have registered your account for the External Transfer Service, new Account Information is provided to us for an additional account, we will send a confirmation notice to you that we have received new Account Information.  You hereby represent, warrant, and agree that if you do not advise us upon receipt of the confirmation that you did not provide us with the new Account Information, that you are obligated to pay for any transfers made using the new Account Information.  

 

4.5.3.     Submission of Your Materials.  If you send us any feedback, questions, comments, suggestions, ideas or the like, we will consider you to be giving us permission to use such information and any ideas, concepts, know-how or techniques contained in such information ("Materials") for any purpose whatsoever including but not limited to developing, manufacturing and marketing products and services incorporating such information. By submitting Materials, you automatically represent and promise that you or the owner of such Materials has expressly agreed that we may use the Materials for the purposes set out above at no cost to us.

 

4.5.4.     Processing Recurring and One-Time External Transfers.  You can make transfers in one of two ways:

•             One-time

•             Or repeating

 

One-time transfers are used for transfers which occur on an infrequent or irregular basis, or which vary in amount.  You may use the repeating transfer feature when you transfer a set amount to a single account at regular intervals. The Online Banking Service will provide you with a positive confirmation that the transfer has been scheduled. Additionally, you may verify that any transfer has been processed by signing into the Online Banking Service the Business Day following the transfer.

 

4.5.5.     Limitations and Dollar Amounts for Transfers and Payments and Daily Cut-Off.  Transfers made to and from your account at other financial institutions can be in any amount, but may not exceed the lesser of the available collected balance in your Account or an aggregate amount of $20,000 per calendar day.

 

When you schedule a transfer, you authorize the Bank to withdraw the funds from your deposit accounts with the Bank and transfer the funds to your account at the other financial institution. You agree that you will instruct the Bank to make a withdrawal only when a sufficient available balance is or will be available in your accounts at the time of withdrawal. If you do not have a sufficient available balance, including available credit under any overdraft protection plan, we may either complete the transfer - creating an overdraft - or refuse to complete the transfer or payment. In either case, we reserve the right to impose a non-sufficient funds (NSF) fee.  External Transfer Service transactions must be provided prior to our daily cut-off time (“Cut-Off”).  The current Cut-Off is 8:00 p.m. Central Time.  The Bank reserves the right to change the Cut-Off time at Bank’s sole discretion.  External Transfer Service transactions received after the Cut-Off will be processed on the following Banking Day.

 

4.5.6.     Canceling Transfers.  In order to cancel future dated transfers, you must sign into the Online Banking Service and follow the prompts provided. You may cancel a transfer transaction up to the Business Day prior to the scheduled processing date. We must receive your instructions to cancel before the Cut-Off on the Business Day prior to the day the transaction was scheduled to be processed.

 

 

4.6. E-Mails.   You may use e-mail to contact us about inquiries, maintenance and/or some problem resolution issues.  E-mail may not be a secure method of communication.  Thus we recommend you do not send confidential personal or financial information by e-mail.  If you send First Citizens National Bank an electronic mail message after regular business hours, First Citizens National Bank will be deemed to have received it on the following business day. First Citizens National Bank will have a reasonable time to act on your electronic mail message and generally will be on the same business day of receipt. You should not rely on electronic mail if you need to communicate with First Citizens National Bank immediately - for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You agree that First Citizens National Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by First Citizens National Bank shall be considered received within three (3) days of the date sent by First Citizens National Bank, regardless of whether or not you sign on to the Service within that time frame. There may be times when you need to speak with someone immediately (especially to report a lost or stolen Password, or to stop a payment).  In these cases, do not use e-mail.  Instead, you should call us at the number provided in Section 10.6. 

 

 

4.7. Overdrafts: Order of Payments, Transfers, and Other Withdrawals.

 

If funds are withdrawn from any of your accounts by means of electronic funds transfers, other than through Online Banking on the same business day as an Online Banking transaction, and if the account contains insufficient funds to enable both the electronic funds transfer and the Online Banking transfer to be made, then the electronic funds transfer will have priority and the Online Banking transfer will be refused or will result in an overdraft on your account.  This is at the Bank’s sole discretion.

 

4.8. Bill Payment Service.

 

4.8.1. The Bill Payment service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment service, you can pay bills from your Bill Pay Account to businesses or individuals. All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States.  You can arrange, at your option, for the payment of your current, future and recurring bills from your designated Bill Pay Account.  For Bill Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through Bill Payment Service. Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Bank reserves the right to decline to make payments to certain persons and entities. You agree that any payment for taxes, payments that are court-ordered, government payments, payments to settle securities purchases, payments to interest bearing accounts, and Payments outside of the United States are prohibited and you agree that you will not attempt to use the Service to make these types of Payments.  On recurring Payments, it is the responsibility of the account owner or designated authorized users to update Payee account information such as address changes, account numbers, etc.  

 

Payments are posted against your current balance, plus the available credit on your overdraft protection, if any, or other line of credit.

 

4.8.2. You may schedule Payments to be initiated on the current Business Day, on a future date, or on the same date of each month.  If you are scheduling a Payment for the current day it must be initiated prior to 3:00 p.m. Central Time. Changes to previously scheduled Payments must be made before 3:00 p.m. Central Time on the Business Day the Payment is to be initiated. If the transaction shows an (IN PROCESS) status, then the Payment cannot be modified or deleted.  Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Bank only initiates on Business Days. Funds must be available in your Account on the scheduled payment date.  After funds are withdrawn from your Account to make a Payment, we may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check.  Funds will be deducted from your account on the Business Day the Payment is to be initiated.  If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the following Business Day. 

 

When you create a new Payee in the Bill Payment service, you should schedule a Payment to a new Payee at least ten (10) Business Days before any Payment due date, to allow us time to set up the Payee and verify information about your account with the Payee.   Bank is not liable for any service fees or late charges levied against you due to postal delays or processing delays by the Payee. There is no limit on the number of Payees or number of Payments that may be authorized. The maximum per Payment amount per Business Day is $9,999.99.  You acknowledge and agree that if you describe a Payee inconsistently by name and account number, scheduled Bill Payment transactions to the Payee will occur on the basis of the account number, even if it identifies a person other than the named Payee.

 

For all subsequent Payments, you agree to allow at least five (5) Business Days between the date you schedule a Payment to be initiated and the Payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period).  If you do not, you will be fully responsible for all late fees, finance charges or other actions taken by the Payee.  If you schedule your Payment and follow all instructions provided, and the Payment is not received by the Payee in a timely manner, a representative of Bank will work with the Payee on your behalf to have any late fees or charges reversed.  If the item has cleared through the Bill Pay Service provider, we will assist you in obtaining verification of that payment. We will work with you and/or the Payee on your behalf in order to resolve the matter. If the Bill Pay Service informs you that the item has not cleared and the payment was made by Bill Pay check, you will have the option to issue a Stop Payment on the item. If you choose to place a Stop Payment on the item(s), the Service will assess your Bill Pay Account the then standard per item Stop Payment Fee.

 

When you schedule a Bill Payment that will be made by check, you authorize us to issue a check drawn on your qualified designated checking account for the requested amount. If sufficient funds are not available in your designated account when the check is presented for payment, we may refuse to honor the check and return it unpaid.  At our sole discretion, we may elect to pay the check regardless of the insufficient funds.  In either event, your qualified designated account will be charged our then current fee for processing insufficient items, whether the check is paid or returned, as applicable. You are responsible for any loss or penalty that you may incur due to a lack of sufficient funds or other conditions that may prevent the withdrawal of funds from your account.

 

4.8.3. If Payment is to be made electronically and your Account does not have sufficient funds to make a Payment as of the date the transfer or Payment is attempted or scheduled to be made, the Transfer or Payment will be canceled and no further attempt will be made by Bank to make the Transfer or Payment.  First Citizens National Bank will attempt to notify you by e-mail or U.S. Postal Service, but First Citizens National Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account. Additionally, First Citizens National Bank will assess your Bill Pay Account the then current per item Non-Sufficient Funds fee. Bank shall have no obligation or liability if it does not complete a Transfer or Payment because there are insufficient funds in your account to process a transaction.  In all cases, you are responsible for either making alternate arrangements for the Payment or rescheduling the Payment through the Service.  In the case of recurring Payments, only the Payment currently scheduled will be canceled.  Recurring Payments scheduled for future dates will not be affected.

 

4.8.4. Recurring Payments and Transfers are those made for the same amount, on the same date, on a weekly, bi-monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “one-time Payment.”  One-time Payments do not recur and are not made until you enter the Payee and amount of the current bill and submit the Payment.  A recurring Bill Payment Service transaction that you want deleted must be deleted or the next Payment date changed three (3) Business Days before the current transaction date.

 

A stop payment cannot be placed on an Electronic Bill Payment transaction once issued. However, an Electronic Bill Payment may be cancelled.  The way to cancel or change an Electronic Bill Payment is to use the Service. PENDING Payments must be changed or canceled using the Service prior to 3:00 p.m. Central Time, on the Business Day the transaction is scheduled to be initiated.  A stop payment can be placed on a Bill Payment transaction by Bill Payment check any time prior to 3:00 p.m. Central Time on the day such check is scheduled for final payment.   Similar to issuing a stop payment order on a personal check, stop payment services are available for checks generated by the Bill Payment Service. Stop payment orders are not available for electronic payments. A stop payment may be placed after the Bill Payment Service initiates the check payment and before the check has been presented to Bank for payment. To initiate a Stop Payment, you may contact First Citizens' Service Center at: (731) 285-4410 or (800) 321-3176 or write First Citizens National Bank ATTN: Service Center, P.O. Box 370, Dyersburg, TN 38025-0370 If you send us a written request your letter must reach us three (3) business days before the payment is schedule to be made. If you call, we may require you to put your request in writing and get it to us within fourteen (14) days after you call. We will send you a form for that purpose.

 

There is no fee for deleting a Payment initiated through Bill Payment; however the Bank’s standard stop payment fee will apply for a stop on a Bill Payment check.

 

In the event a Payment is returned to us for any reason, you authorize us, in our sole and absolute discretion, to either research or correct the Payment information or to void the Payment and re-credit your Account.

 

4.8.5  CHECK  STOP PAYMENT ORDER CONSUMER ONLINE BANKING

 

Notwithstanding any provision in the Consumer Online Banking Agreement (“Agreement”) to the contrary, Customer may issue a stop payment order on a check via the Consumer Online Banking. The Consumer Online Banking Agreement is hereby incorporated by reference and made a part hereof.  Terms not defined herein shall have the definition ascribed to those terms in the Agreement. By entering the stop payment order and clicking “I accept” at the bottom of this stop payment order, Customer hereby instructs First Citizens National Bank, hereinafter called "Bank", to stop payment on the check entered into the Consumer Online Banking Service and agrees to be bound by the terms of this stop payment order. The stop payment order is effective for six (6) months from the date on which the stop payment order is placed unless a) you provide us written notice to revoke the stop payment order, b) the stop payment order is canceled by you in the Consumer Online Banking Service or c) payment of the check has been stopped.  If you want to renew the stop payment order at the end of the six (6) months, you must submit another stop payment order (prior to the expiration of the six (6) month period).  If you do not renew the stop payment order, at the end of the six (6) month period, we may pay the check if it is presented for payment.  By placing the stop payment order on the check, you agree to pay the Bank the standard stop payment order fee  of $35.00.  Your account will also be charged, and you agree to pay the stop payment order fee each time you renew the stop payment order.

 

The Bank depends on its computers to process stop payment orders.  To process a stop payment order on a check, the Bank’s computers require the exact amount of the check and the correct check number.  Any error in this information will result in the stop payment order being ineffective.  For example, if you give us the wrong amount of the check (even if wrong by as little as one cent) or if the check number you provide us is only wrong by one digit, we will not be able to stop payment on the check.  The information must also be accurately reflected on the MICR line of the check.  You agree that Bank cannot stop payment on the check if the information on the MICR line is not correct.  You agree that Bank is not liable to you for payment of any check over a stop payment order if you do not provide the exact information regarding the check, if the information on the MICR line is not correct, or if your stop payment order is not received in time to give Bank a reasonable opportunity to act on it before our stop payment cut-off time.

 

By directing the Bank to stop payment on the check entered in the Consumer Online Banking Service, Customer agrees to hold the Bank harmless against any and all loss, claims, damages, and costs, including court costs and attorneys’ fees, that the Bank may suffer or incur by reason of non-payment of the above transaction if presented prior to withdrawal of these instructions or expiration thereof.

 

 

Article V. Limitations. 

 

Your use of these Services is subject to the following limitations:

 

5.1. Dollar Amount. 

 

There may be a limit on the dollar amount of the transactions you can make using these Services. Security reasons limit the dollar amount of transactions and these limits are subject to change from time to time.  Payment can only be made with U.S. currency.

 

5.2. Frequency. 

 

In addition to the Federal banking regulations that restrict the number of transfers and withdrawals, there may be limits on the number of transactions you can make using these Services. These limits are for security reasons and are subject to change.

 

5.3. Foreign Transactions.

 

No Payments may be made to Payees outside the United States.

 

5.4. Additional Limitations.

 

Additional limitations may be contained in this Agreement. Your ability to initiate transactions may also be limited by the terms of other agreements you have with the Bank or by applicable law.

 

Article VI. Parties’ Responsibilities.

 

6.1. Your Responsibility. 

 

6.1.1. Physical and Electronic Security.

 

.1. You are solely responsible for providing for and maintaining the physical, electronic, procedural, administrative, and technical security of data and systems in your possession or under your control.  We are not responsible for any computer viruses (including, without limitation, programs commonly referred to as “malware,” “keystroke loggers,” and/or “spyware”), problems or malfunctions resulting from any computer viruses, or any related problems that may be associated with the use of an online system. Any material downloaded or otherwise obtained is obtained at your own discretion and risk, and Bank is not responsible for any damage to your computer or operating systems or for loss of data that results from the download of any such material, whether due to any computer virus or otherwise.  You are solely responsible for maintaining and applying anti-virus software, security patches, firewalls, and other security measures with respect to your operating systems, and for protecting, securing, and backing up any data and information stored in or on your operating systems.   Bank is not responsible for any errors or failures resulting from defects in or malfunctions of any software installed on your operating systems.

               

.2. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”).  You acknowledge that Bank will never contact you by e-mail in order to ask for or to verify Account numbers, Security Devices, or any sensitive or confidential information, and will never provide links to websites in e-mails that Bank transmits to you.  In the event you receive an e-mail or other electronic communication that you believe, or has reason to believe, is fraudulent, you agree that you shall not respond to the e-mail, provide any information to the e-mail sender, click on any links in the e-mail, or otherwise comply with any instructions in the e-mail.  To the extent allowed by law, you agree that Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, or internet fraud.

               

.3. In the event of a breach of the Security Procedure, you agree to assist Bank in determining the manner and source of the breach.  Such assistance shall include, but shall not be limited to, providing Bank or Bank’s agent access to your hard drive, storage media and devices, systems and any other equipment or device that was used in breach of the Security Procedure.  You further agree to provide to Bank any analysis of such equipment, device, or software or any report of such analysis performed by you, your agents, law enforcement agencies, or any other third party.  Your failure to assist Bank shall be an admission by you that the breach of the Security Procedure was caused by a person who obtained access to your transmitting facilities or who obtained information facilitating the breach of the Security Procedure from you and not from a source controlled by Bank.

 

6.1.2. Reporting Unauthorized Transactions.

 

You should notify us immediately if you believe your User Name or Password have been lost or stolen, that someone has gained access to the Security Procedure, or that someone has transferred or may transfer money from your Account without your permission or if you suspect any fraudulent activity on your Account.  To notify us, call us at the number provided in Section 10.6 between 7:00 a.m. to 7:00 p.m. Central Time, Monday through Friday or between 8:00 a.m. to 1:00 p.m. Central Time on Saturday (excluding holidays).  You should refer to Section 3.5.1 for additional information regarding unauthorized transactions.

 

6.1.3. Duty to Inspect. 

 

You shall inspect all transaction history, reports, journals, and other material evidencing the output of the Service(s) performed by Bank.  You must report all errors to the Bank for Services performed and indicated in the transaction history, reports, journals, and other material evidencing the output of the Service(s) or otherwise reported to you daily by the close of business on the banking day following the day on which the Service(s) is rendered. You must report all other errors within a reasonable time not to exceed thirty (30) days from the date that the error is made.  Your failure to promptly report errors within such specified time shall preclude you from asserting against the Bank any claims arising from the error or any loss caused by the error. 

 

6.1.4. Financial Information. 

 

Bank may from time to time request information from you in order to evaluate a continuation of the Service(s) to be provided by Bank hereunder and/or adjustment of any limits set by this Agreement.  You agree to provide the requested financial information immediately upon request by Bank, in the form required by Bank.  If you refuse to provide the requested financial information, or if Bank concludes in its sole discretion that your credit risk is unacceptable, Bank may terminate the Service according to the provisions hereof.  You authorize Bank to investigate or reinvestigate at any time any information provided by you in connection with this Agreement or any Services and to request reports from credit bureaus and reporting agencies for such purpose.

 

6.1.5. Deadlines. 

 

You shall deliver or transmit all data or information to Bank by the deadline(s) specified in this Agreement. Bank shall have no obligation to process data or perform the Service if the data is not received by the Bank by the specified deadline.

 

6.1.6. Payment for Services. 

 

.1. You agree to pay Bank the fees established by Bank for rendering the Services under the terms of this Agreement.  Depending on which Online Banking services you subscribe to, you will be charged the applicable Online Banking fees as set forth in our Additional Fees and Services / Common Features disclosure hereby incorporated by reference and made a part hereof. 

 

.2. The Bank may change or add any fees for Online Banking by the procedures outlined in Article IX for amending this Agreement.  Fees charged for Online Banking under this Agreement are in addition to any service charges or fees that apply to your accounts with us.

 

.3. You authorize the Bank to deduct all applicable Monthly Fees from the Primary Account you have specified.  If you close the Primary Account, you must notify us and identify a new Primary Account for the selected services, and unless and/or until you notify us and identify a new Primary Account, fees may be deducted from any other account you maintain with us or any of our affiliates.  Furthermore, Bank may setoff against any amount it owes to you in order to obtain payment of your obligations under this Agreement.

 

.4. In addition to the Service fees, you agree to pay for all taxes, tariffs and assessments levied or imposed by any government agency in connection with the Service, this Agreement, and/or the software or equipment made available to you (excluding any income tax payable by Bank).  You are also responsible for the costs of any communication lines and any data processing charges payable to third parties.

 

6.2. The Bank’s Responsibilities.

 

Bank agrees to use ordinary care in rendering Services under this Agreement.  You recognize and agree that ordinary care does not mean error free.  You agree to pay all attorneys’ fees, costs and expenses Bank may incur in collecting any sums you owe to Bank for overdrafts, service charges or otherwise or in enforcing any rights Bank may have under the terms of this Agreement or applicable law, rule or regulation applicable to your account(s) or the Services rendered by Bank under this Agreement.  You also agree to pay all attorneys’ fees, costs and expenses that Bank may incur as the result of defending any claim or action made against Bank by you, or on your behalf where Bank is found not to be liable for such claim.  In no event shall Bank be liable to you for attorneys’ fees incurred by you in any action brought by you against Bank.

 

Our sole responsibility for an error in a transfer will be to correct the error.  Without limiting the generality of the forgoing, we will not be responsible for the following matters, or for errors or failures of our Services as result of:

 

6.2.1. Access. 

 

                We will not be liable under this Agreement for failure to provide access or for interruptions in access to our Services due to a system failure or due to other unforeseen acts or circumstances.

 

6.2.2. Your Computer Equipment & Your Software. 

                We will not be responsible for any errors or failures from any malfunction of your computer or any computer virus or other problems related to your computer equipment used with our Services.

 

We are not responsible for any error, damages or other loss you may suffer due to malfunction or misapplication of any system you use, including your browser (Mozilla Firefox®, Microsoft Internet Explorer®, or otherwise), your Internet service provider, your personal financial management or other software (such as Quicken® or Microsoft Money®), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with the Online Banking Services.

 

6.2.3. Any Transaction or instruction.

 

We will not honor a request for a Transfer if:

 

(a) it exceeds your collected and available funds on deposit with the Bank; (b) it is not in accordance with any condition indicated by you and agreed to by the Bank; (c) the Bank has reason to believe it may not be authorized by you; (d) it involves funds subject to hold, dispute, or legal process preventing their withdrawal; (e) it would violate any provision of any present or future risk control program of the Federal Reserve or any current or future rule or regulation of any other federal or state regulatory authority; (f) it is not in accordance with any other requirement stated in this Agreement or any Bank policy, procedure or practice; or, (g) it is for the protection of the Bank or you, the Bank has reasonable cause not to honor.

 

Article VII. Privacy/Information Sharing.

 

The importance of maintaining the confidentiality and privacy of the information provided by you is one of our highest priorities.  We may disclose information about your Accounts or the Transfers you make: (a) where it is necessary for completing the transfers or processing or maintaining your Accounts; (b) in order to verify the existence or condition of your Accounts for a third party such as a credit bureau or merchant; (c) in order to comply with legal process, government agency or court orders; (d) to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements; or (e) otherwise as permitted by law.  An explanation of our privacy policy will be provided to you separately in the manner required by applicable law.  Please review it carefully.  Our privacy policy may change from time to time and is always available on our website and at our banking locations.

 

Article VIII. Termination.

 

8.1. Termination Upon Written Notice.

 

Either you or the Bank may terminate this Agreement and your Online Banking subscription at any time upon giving prior written notice of the termination to the other party.   Any termination by the Bank shall be effective on the date specified in the notice of termination.  If you terminate Online Banking, you authorize the Bank to continue making transfers you have previously authorized and continue to charge monthly fees until such time as the Bank has had a reasonable opportunity to act upon your termination notice.  Once the Bank has acted upon your termination notice, the Bank will make no further transfers from your accounts, including any transfers you have previously authorized.  If the Bank terminates your use of Online Banking, the Bank reserves the right to make no further transfers from your accounts, including any transactions you have previously authorized.

 

8.2. Immediate Termination and Inactivity

Notwithstanding Section 8.1, Bank may immediately terminate this Agreement without notice if, (a) you or we close your Account(s), or (b) in Bank’s sole discretion, Bank determines that you have abused the Online Banking Service or Bank believes that it will suffer a loss or other damage if the Agreement is not terminated. 

 

Inactivity - We may purge your account for inactive status if you do not sign on to the Service or have any transactions scheduled through the Service during any consecutive 90-day period. If your account is considered inactive and purged, you will be required to re-enroll for online banking to use the service.

 

8.3. Rights Cumulative.

 

Bank’s election to terminate this Agreement is in addition to any and all other remedies that may be available to Bank and will not affect any obligations you may have to Bank.  Any reinstatement of the Service under this Agreement will be at Bank’s sole discretion and must be agreed upon in writing by an authorized representative of Bank.

 

8.4. Rights/Duties Upon Termination.

 

Upon termination of this Agreement, any property or rights of a party in the possession of the other party, tangible or intangible, shall be returned to owner thereof within ten (10) days after the later to occur of (i) termination of the Agreement or (ii) the last date that such party receives any such property or rights.

 

Upon termination of this Agreement, (i) you will promptly pay to Bank all sums due or to become due under this Agreement, and (ii) you shall have no further right to make use of the Service or any system or software which may have been provided in connection with the Service.

 

Article IX. Changes in Terms and other Amendments.

 

Where the EFTA and REG E apply, the Bank may amend this Agreement at any time by sending notice to you by mail or, to the extent permitted by law, by e-mail or electronic communication through Online Banking, at least 21 days before the effective date of the amendment.  Where the EFTA and REG E apply, notice is always required if the change would result in:

 

•             Increased fees for you;

•             Increased liability for you;

•             Fewer types of available electronic fund transfers; or

•             Stricter limitations on the frequency of dollar amount of transfers.

 

If the EFTA and REG E apply, we are not required to give notice if an immediate change in terms or conditions is necessary to maintain or restore the security of an account or an electronic fund transfer system.  However, if such a change is permanent, and disclosure would not jeopardize security, we will notify you in writing on or with the next regularly scheduled periodic statement or within 30 days of making the change permanent.  Such notices will also be published on the Bank’s web site.

 

If the EFTA and REG E do not apply to a particular transaction, and other state or federal laws do not specify any notice or other requirements for an amendment, we will decide what kind of notice (if any) we will give you and the method of providing any such notice.

 

Your continued use of Online Banking is your agreement to any amendments of the Agreement, including the Instructions as may be amended from time to time.

 

Article X. Other Provisions.

 

10.1. Electronic Notices.

 

We may deliver to you any required disclosures and other notices concerning these Services or your Accounts by e mail or other appropriate electronic means in accordance with Bank’s Electronic Statement Delivery Authorization and Agreement. 

 

10.2. Hours of Operation.

 

Our Service Center Specialists are available to assist you from the hours of 7:00 a.m. CT  to 7:00 p.m. CT, Monday through Friday, and 8:00 a.m. to 1:00 p.m. CT on Saturday, except holidays, by calling the number provided in Section 10.6.

 

10.3. Ownership of Website.

 

The content, information and offers on our website are copyrighted by Bank and/or Vendor and the unauthorized use, reproduction, linking or distribution of any portions is strictly prohibited.  You agree not to copy, display, distribute, download, license, sub-license, modify, publish, repost, reproduce, reuse, sell, transmit, create a derivative work from or otherwise use for public or commercial purposes, the information and materials on the Sites, except as provided in this Agreement, without our express written permission.  Unless otherwise noted, all other trademarks, service marks, and logos used on the Bank’s sites are the trademarks, service marks or logos of Bank, or others as indicated.

 

10.4. Web-linking Practices.

 

Bank may provide access to information, products or services offered on other third party web sites.  The Bank is not responsible for, nor does control, the content, products, or services provided by linked sites.  The Bank does not endorse or guarantee the products, information or recommendations provided by linked sites, and is not liable for any failure of products or services advertised on those sites.  In addition, each third party site may provide less security than the Bank and have a privacy policy different than that of the Bank.  Your access, use and reliance upon such content, products or services is at your own risk.

 

10.5. Geographic Restrictions.

 

The Services described in this Agreement and any application for credit, deposit services, and brokerage services available at our web site are solely offered to citizens and residents of the United States of America residing within the United States of America.  Citizens and residents may not be able to access these Services outside the United States of America.

 

10.6. Contact Information.

 

In case of questions about your electronic transactions contact customer service at:

               

                                First Citizens National Bank

                                Attn: Service Center

                                                P.O. Box 370

                                                Dyersburg, TN 38025-0370

                                Phone: (731) 285-4410 (800) 321-3176

                                                               

10.7. Deposit Account Agreement. 

 

You acknowledge and agree that your demand deposit account maintained with Bank is an integral part of the Services offered by Bank and that all transactions and Services initiated or processed pursuant to this Agreement are subject to the terms and conditions of the rules, regulations and agreement ("Deposit Account Agreement") governing accounts in effect from time to time between you and Bank. The Deposit Account Agreement is expressly incorporated herein by reference. The terms and conditions of this Agreement shall control over any inconsistent terms and conditions of the Deposit Account Agreement.  You acknowledge that you have signed and executed all agreements, resolutions, signature cards and forms governing your demand deposit account required by Bank. If you have not signed the foregoing forms required by Bank, by signing this Agreement, you acknowledge that you have read the contents of and agree to be bound by the terms of those forms, agreements and documents, and adopt and ratify, as an authorized signatory(s), the signature(s) of any person(s) who has signed a signature card or any check on your account. You also agree to establish all accounts that must be opened in conjunction with the Service provided by Bank.

10.8. Effective Dates.

 

The effective date of this Agreement shall be the date upon which the Agreement is executed by you and accepted by Bank.  

 

10.9. Internet Disclaimer. 

 

For any Service(s) described in the Agreement utilizing the Internet, Bank does not and cannot control the flow of data to or from Bank's network and other portions of the Internet. Such flow depends in large part on the performance of Internet Services provided or controlled by third parties. Actions or inactions of such third parties can impair or disrupt your connections to the Internet (or portions thereof). Bank cannot guarantee that such events will not occur. Accordingly, Bank disclaims any and all liability resulting from or related to such events and in no event shall Bank be liable for any damages (whether in contract or in tort) that are attributable to the public Internet infrastructure, your ability to connect to the Internet, or Bank's ability to connect to the Internet on your behalf.

 

10.10. Limitation of Liability.

 

10.10.1. YOU AGREE THAT BANK SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY OTHER PARTY FOR CONSEQUENTIAL, INDIRECT, SPECIAL EXEMPLARY, PUNITIVE OR INCIDENTAL DAMAGES ARISING OUT OF THE USE BY YOU OF ANY SERVICE EVEN IF YOU, BANK OR BANK’S SERVICE PROVIDER HAVE BEEN SPECIFICALLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

10.10.2. TO THE FULLEST EXTENT ALLOWED BY LAW, BANK’S LIABILITY TO YOU UNDER THIS AGREEMENT SHALL BE LIMITED TO CORRECTING ERRORS RESULTING FROM BANK’S FAILURE TO EXERCISE ORDINARY CARE OR TO ACT IN GOOD FAITH. 

 

10.10.3. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICES SHALL BE AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED BY BANK ON AN “AS IS” BASIS. 

 

10.10.4. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, BANK MAKES NO, AND HEREBY DISCLAIMS ANY AND ALL, REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, IN LAW OR IN FACT, WHATSOEVER TO YOU OR TO ANY OTHER PERSON AS TO THE SERVICES OR ANY ASPECT THEREOF, INCLUDING (WITHOUT LIMITATION) ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, OR SUITABILITY.  YOU AGREE THAT NO ORAL OR WRITTEN ADVICE OR REPRESENTATION OBTAINED FROM ANY BANK EMPLOYEE OR REPRESENTATIVE SHALL CREATE A WARRANTY OR REPRESENTATION FOR PURPOSES OF THIS AGREEMENT OR ANY SERVICES TO BE PERFORMED PURSUANT HERETO. 

                               

10.10.5. BANK MAKES NO REPRESENTATION OR WARRANTY, EITHER EXPRESS OR IMPLIED, TO YOU AS TO ANY COMPUTER HARDWARE, SOFTWARE, OR EQUIPMENT USED IN CONNECTION WITH THE SERVICES (INCLUDING, WITHOUT LIMITATION, YOUR COMPUTER SYSTEMS OR RELATED EQUIPMENT, YOUR SOFTWARE, OR YOUR INTERNET SERVICE PROVIDER OR ITS EQUIPMENT), OR AS TO THE SUITABILITY OR COMPATIBILITY OF BANK’S SOFTWARE, INTERNET DELIVERED SERVICE, EQUIPMENT OR COMMUNICATION INTERFACES WITH THOSE THAT YOU USE, OR AS TO WHETHER ANY SOFTWARE OR INTERNET DELIVERED SERVICE WILL PERFORM IN AN UNINTERRUPTED MANNER, INCLUDING (BUT NOT LIMITED TO) ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

 

10.10.6. BANK SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY ERRORS OR FAILURES RESULTING FROM DEFECTS IN OR MALFUNCTIONS OF YOUR COMPUTER HARDWARE OR SOFTWARE, FOR THE QUALITY OF PERFORMANCE OR LACK OF PERFORMANCE OF ANY COMPUTER SOFTWARE OR HARDWARE OR INTERNET DELIVERED SERVICES SUPPLIED BY BANK TO YOU IN CONNECTION WITH THIS AGREEMENT, OR FOR THE TRANSMISSION OR FAILURE OF TRANSMISSION OF ANY INFORMATION FROM YOU TO BANK OR FROM BANK TO YOU.  BANK SHALL NOT BE RESPONSIBLE FOR NOTIFYING YOU OF ANY UPGRADES OR ENHANCEMENTS TO ANY OF YOUR COMPUTER HARDWARE OR SOFTWARE.

 

10.11. Force Majeure. 

 

The Bank shall not be responsible for any liability, loss, or damage resulting from Bank's failure to perform any Service or to perform any other obligations under this Agreement which is caused by an act of God, fire, floods, adverse weather or atmospheric conditions or other catastrophes; war, sabotage, riots, acts of public enemy, or acts of governmental authority or the Board of Governors of the Federal Reserve; labor difficulties; equipment or computer failure or destruction or the unavailability, interruption, or malfunction of communications facilities or utilities; delays or failure to act by you or third parties and their personnel; criminal acts; or generally any cause reasonably beyond the Bank's control.

 

10.12. Reimbursement.

 

Any reimbursement by Bank for any liability hereunder may be made either directly to you or by adjustment of the aggregate ledger and collected balances of your accounts.

 

10.13. ARBITRATION AND WAIVER OF JURY TRIAL.

 

YOU AND BANK AGREE THAT THE TRANSACTIONS PROCESSED UNDER THIS AGREEMENT INVOLVES “COMMERCE” UNDER THE FEDERAL ARBITRATION ACT (“FAA”).  ANY CONTROVERSY OR CLAIM BETWEEN YOU AND BANK, OR BETWEEN YOU AND ANY OF BANK’S OFFICERS, EMPLOYEES, AGENTS OR AFFILIATED ENTITIES, THAT ARISES OUT OF OR IS RELATED TO ANY SERVICE PROVIDED UNDER THIS AGREEMENT, WHETHER BASED ON CONTRACT OR IN TORT OR ANY OTHER LEGAL THEORY, INCLUDING CLAIMS OF FRAUD, SUPPRESSION, MISREPRESENTATION AND FRAUD IN THE INDUCEMENT (COLLECTIVELY, ANY “CLAIM”), WILL BE SETTLED BY BINDING ARBITRATION UNDER THE FAA.  THE ARBITRATION WILL BE ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS COMMERCIAL ARBITRATION RULES (“THE ARBITRATION RULES”).  IF A CLAIM IS SUBMITTED TO ARBITRATION, (A) YOU WILL NOT HAVE THE RIGHT TO GO TO COURT OR TO HAVE A JURY TRIAL; (B) YOU WILL NOT HAVE THE RIGHT TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS PROVIDED IN THE ARBITRATION RULES; (C) YOU WILL NOT HAVE THE RIGHT TO HAVE ANY CLAIM ARBITRATED AS A CLASS ACTION UNDER THE ARBITRATION RULES OR UNDER ANY OTHER RULES OF CIVIL PROCEDURE; (D) THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING WITH LIMITED RIGHTS TO APPEAL; AND (E) THIS AGREEMENT SUPERSEDES ANY PRIOR ALTERNATIVE DISPUTE RESOLUTION AND/OR ARBITRATION AGREEMENT THAT MAY EXIST BETWEEN YOU AND BANK.  THIS AGREEMENT TO ARBITRATE DISPUTES WILL SURVIVE THE CLOSING OF YOUR ACCOUNT AND THE TERMINATION OF THIS AGREEMENT.

 

10.14. Governing Law.  

 

These terms and conditions of this Agreement shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions and without regard to your state of residence.

 

10.15. Enforcement.

 

In the event a dispute arises either directly or indirectly under this Agreement, the venue for any and all litigation resulting therefrom shall be in a court of appropriate jurisdiction in the State of Tennessee.  The prevailing party in any such action shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees (which may be or include the allocable cost of in-house counsel) and costs, including fees for any litigation, arbitration, mediation, appeal, or bankruptcy proceedings, and any post-judgment collection actions, if applicable.

 

10.16. Miscellaneous Provisions.

 

10.16.1. Headings.  The headings and captions contained in this Agreement are included only for convenience of reference and do not define, limit, explain, or modify this Agreement or its interpretation, construction, or meaning.

 

10.16.2. Severability.  The holding of any provision of this Agreement as invalid, illegal, or unenforceable, in whole or in part, shall not affect the other provisions of this Agreement, which shall remain in full force and effect.

 

10.16.3. Waiver.  No waiver by the Bank (whether or not in writing) of any term, condition, or your obligation under this Agreement shall bind the Bank to waive the same term, condition, or obligation again, nor shall any other provision, condition, term, or obligation hereof be affected by such a waiver.

 

10.16.4. Binding Effect.  This Agreement shall inure to the benefit of and be binding upon the successors, heirs, trustees, and permitted assigns of the parties hereto.

 

10.16.5. Entire Agreement.  This Agreement constitutes the entire agreement between the parties hereto concerning the subject matter hereof.  All contemporaneous agreements or understandings concerning the subject matter hereof, whether oral or written, are merged into this Agreement.

 

10.16.6. Transfers and Assignments.  You cannot transfer or assign any rights or obligations under this Agreement without Bank's written consent.   The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party.

 

10.17. Authority and Joint Accounts.

 

You hereby represent and warrant that you have full right, authority and power to execute, deliver and perform this Agreement.  If this account is a joint account, you are jointly and severally liable under this Agreement.  Each of you acting alone may perform transactions, obtain information, stop or change payments or transfers, terminate this Agreement or otherwise transact business, take actions or perform under this Agreement.  We are not required to obtain the consent of, or notify any of you.  However, each of you will only be permitted to access accounts for which you are an owner or authorized user.

 

Each of you individually releases us from any liability and agrees not to make a claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Online Banking account.  Each of you agrees to indemnify us and hold us harmless from any and all liability (including, but not limited to, reasonable attorney’s fees) arising from any such claims or actions.

 

Updated 9/2/2021

 

Electronic Statement Agreement

 

As a registered user of the Internet Banking services offered by First Citizens National Bank (hereinafter referred to as "First Citizens", "bank", "us" or "we"), you now have the option to receive electronic monthly/periodic statements for any of your eligible statement savings and checking accounts (collectively referred to hereinafter as "deposit accounts" or "accounts") with First Citizens that are linked to and accessible through First Citizens National Bank's Internet Banking System.

This Electronic Statement Agreement shall supplement and modify to the extent necessary the terms and conditions of the Internet Banking Agreement which you have previously entered into with First Citizens National Bank. If you want to receive electronic account statements on any eligible account instead of statements sent to you by mail, you must first read and agree to all the terms and conditions set forth in this Agreement. By clicking on the "ACCEPT" button below, you will acknowledge your understanding of, and agreement to, the following terms and conditions:

1. You agree to the electronic delivery to you of this Electronic Statement Agreement and any monthly/periodic account or billing statements (collectively referred to hereinafter as "account statements") and any regulatory disclosures that are required under applicable law to be delivered to you in writing with respect to each of your statement deposit accounts (including any associated overdraft lines of credit) that have been converted to electronic statement delivery pursuant to both your instructions and this Agreement.

2. Once you have accepted the terms and conditions set forth in this Agreement, each of the eligible deposit accounts will be converted by First Citizens National Bank to electronic statement delivery (hereinafter referred to as "converted account(s)"). Accordingly, you will no longer receive account statements by mail for any such converted account.

3. Pursuant to this Agreement, First Citizens will deliver any applicable electronic statement to you by making such statement available online through your Online Banking Service as described herein for you to access at your convenience. Each of your monthly/periodic electronic statements will be available for your viewing, downloading or printing for a period of ninety (90) days from the date you are first notified the statement is available to you online. First Citizens will send you an electronic e-mail message to the e-mail address we have on file for you each time an electronic statement is made available online. You will be responsible for viewing each of your electronic account statements in a timely manner so as to comply with any error resolution requirements and time periods, or with any other terms and conditions of your account(s) affected by this Agreement. If you cannot access, print or view your electronic statement for any reason, you must contact First Citizens National Bank immediately at 1-800-321-3176 or 731-285-4410 to make alternate arrangements to gain access to your account statement and/or statement information so that you can properly and timely comply with your account obligations.

4. Once any account has been converted to electronic statement delivery pursuant to this Agreement, your electronic statement will be presented in the same format as originally provided in the paper version. If your original paper statement format included printed images of your cancelled checks, you will be able to access check images as part of your monthly/periodic electronic account statement.

5. You will not be charged a fee for the electronic delivery of your account statement(s) pursuant to this Agreement. However, once your account(s) have been converted upon your request hereunder to electronic statement delivery, First Citizens National Bank reserves the right to charge you a fee if you request First Citizens National Bank to mail or otherwise provide you with a hard-copy of any account statement that already has been provided to you electronically. Please consult our Schedule of Fees available in our "Truth In Savings" disclosure for the current fee(s) associated with your request for copies of your statement. The fee is $5.00 per statement copy. To request a copy of a statement, you may contact us via email at info@firstcnb.com or in writing mailed to: First Citizens National Bank ATTN: Service Center: POB 370, Dyersburg, TN 38025.

6. YOUR ELECTRONIC STATEMENTS WILL BE MADE AVAILABLE ONLINE IN A PORTABLE DOCUMENT FORMAT (PDF) FILE. ACCORDINGLY, YOU WILL NEED TO HAVE ADOBE® ACROBAT® READER® OR COMPATIBLE SOFTWARE INSTALLED ON YOUR COMPUTER IN ADDITION TO YOUR NORMAL INTERNET BROWSER SOFTWARE IN ORDER FOR YOU TO ACCESS, VIEW OR PRINT YOUR ELECTRONIC STATEMENTS MADE AVAILABLE HEREUNDER. TO DOWNLOAD A FREE COPY OF ADOBE® ACROBAT® READER®, PLEASE VISIT WWW.ADOBE.COM.

7. By accepting below, you confirm that you meet the hardware and software requirements required for you to access our Internet Banking System and to access, view and print your electronic account statements as contemplated under this Agreement.

8. First Citizens hereby reserves at all times the right in its sole and absolute discretion to approve of and/or deem whether any account or account holder is eligible for the services set forth in this Agreement.

9. First Citizens hereby reserves the right to terminate this Agreement and/or to cancel the ability of any account holder to access any electronic statement at any time without notice or as otherwise allowed by law. If First Citizens takes any such action, First Citizens shall make the necessary changes to any affected account so as to allow for the delivery of any related account statements by mail or as otherwise provided under the original terms of the applicable account agreement with First Citizens.

10. This Agreement shall be effective until revoked by you either by notice sent electronically in an e-mail to First Citizens at info@firstcnb.com or in writing mailed to: First Citizens National Bank, ATTN: Service Center: PO Box 370, Dyersburg, TN 38025.

11. First Citizens hereby reserves the right in its sole and absolute discretion to limit the approval or availability of and the access to the services set forth in this Agreement on any subject account being applied for hereunder to only the individual listed on the bank's records as the primary account holder of such account(s).

12. If any account which you have applied for and have been approved by the bank to receive electronic statements on is a joint account, please be advised that only you will receive and be able to access the electronic statement for such account. Therefore, you are solely responsible for promptly and timely sharing any account statement or any statement related information provided thereon with your joint account holder as the need may be and/or as requested of you by any respective joint account holder.

If you have any questions concerning this Agreement, please contact First Citizens' Service Center at: 731.285.4410 or 800.321.3176.

Minimum System Requirements: To receive and review disclosures electronically, and to view, download, and print E-Statements, you will need Microsoft Internet Explorer version 7.0 or higher, or Netscape version 4.7, 4.75 or higher, and Adobe Acrobat Reader version 7.0 or higher. Electronic Statements are sent to you using a security technology called Secure Sockets Layer (SSL). For your security, your web browser must support SSL. We recommend using broadband Internet access.

IMPORTANT: PLEASE PRINT AND RETAIN THIS AGREEMENT FOR YOUR RECORDS

 

 

Mobile Terms & Conditions

 

FIRST CITIZENS NATIONAL BANK

Mobile Banking Agreement

 

FIRST CITIZENS NATIONAL BANK

MOBILE BANKING AGREEMENT

This Mobile Banking Agreement ("Agreement") sets forth the terms and conditions for your use of (a) the Mobile Banking Service, (b) the End-User License Agreement for the Mobile Banking App, (c) the Mobile Deposit Service, and (d) the terms and conditions for use of the Zelle Network (each referred to herein as a "Service" and collectively as the "Services") provided by First Citizens National Bank (the "Bank," "we," "us") and any Third Party mobile technology solution service provider (the "Licensor") providing the Services.

By clicking the "I Agree" button at the end of this Agreement and/or otherwise using the Services, you agree to all the terms, conditions, and notices contained or referenced in this Agreement and the terms and conditions of the Consumer Online Banking Agreement, which is incorporated by reference herein and is made a part of this Agreement. Other agreements you have entered into with Bank in connection with your accounts and other services at First Citizens National Bank, including, as applicable, the Deposit Account Agreement, Funds Availability Policy, ESIGN Disclosure and Agreement, Privacy Policy, Truth in Savings Disclosure, Schedule of Fees and Account Signature Card (collectively, the "Account Documentation") are also incorporated by reference and made a part of this Agreement. Access to and use of the Service is subject to all applicable federal, state, and local laws and regulations.

This Agreement is broken down by the following sections, which outline the terms and conditions for the Services: Section A - Mobile Banking Service; Section B - End User License Agreement for the Mobile Banking App; Section C - the Mobile Deposit Service; and Section D - the Zelle Service.

SECTION A - Mobile Banking Service

1. DESCRIPTION OF THE MOBILE BANKING SERVICE. Unless your cellular phone is limited to texting, Mobile Banking Service refers generally to any service allowing an existing Bank customer to access and view accounts selected by the customer ("Accounts") from a web-enabled mobile phone or device ("Mobile Device") whose network allows secure SSL traffic. The services available to the text-enabled cellular phone are limited as further described in this Agreement. We do not guarantee the functionality of the Service on all wireless devices; however, generally, the Service should be compatible with any web-enabled mobile phone or other Mobile Device, regardless of make, model, or mobile service provider. This proprietary solution adapts to any screen size and can change dynamically to present items on any screen in a pleasing format. The Mobile Banking Service allows you to view transaction history, view Account balances, transfer funds between Accounts, pay bills to payees and view alerts. This Agreement supplements your Deposit Account Agreement and Consumer Online Banking Agreement. In the event of an inconsistency between the terms of the Deposit

Account Agreement or the Consumer Online Banking Agreement and this Agreement, this Agreement shall govern. Undefined terms herein shall have the meaning assigned to them in the Deposit Account Agreement or the Consumer Online Banking Agreement, as applicable. In most cases you may use the Service to gain access to deposit accounts in which you have an unrestricted right to withdraw funds. However, the Bank, as it may determine at any time and from time to time in its sole discretion, may deny Service account access, restrict Service account transactions, or place limits on the specific dollar amount of funds that may be withdrawn or transferred from any account. You acknowledge and agree that these services are provided by Licensor, an independent third party service provider as selected by Bank, and that both the Licensor and the Service are subject to change from time to time without notice to you. You further acknowledge, agree, and stipulate that the Licensor is an independent contractor providing software and data transmission services and is not your agent or an agent Bank. Neither the Bank nor the Licensor is responsible for the actions or omissions of the other.

2. SERVICE INCLUDED. The Service requires a web-enabled Mobile Device or a cellular phone that is text-enabled. The text-enabled cellular phone service ("SMS Texting") is limited to making a balance inquiry and the capability to view transactions on the account. Text messages are sent to you without being encrypted. With the exception of the text-enabled cellular phone, the Service is similar to Internet banking on a personal computer. You can view your available account balance and review account history on any checking or savings account selected by you. The Service allows you to transfer money between your accounts. You must select the accounts to and from which funds will be transferred, and you will receive a confirmation when the transaction is completed. Frequency and amount limitations of transfers are set forth below. If you have signed up for our Online Banking Bill Pay Service, the Service allows you to pay bills to payees. A confirmation message and number will be displayed after the bill payment is complete. If you have Alerts on your account, you may receive the Alerts with the Service. From time to time, we may develop additional mobile banking services. As such services are developed you will have the opportunity to add them to your Mobile Banking Service, provided you have compatible wireless hardware and software.

3. ELIGIBILITY/HOW TO REGISTER FOR MOBILE BANKING SERVICE. To use the Service, you must have an open account at the Bank, register for Online Banking, and have a compatible Mobile Device. During the registration process, you will enter your mobile phone number as well as other information we require to authenticate your identity. After you have accepted these Terms and Conditions and clicked Continue, you will receive a SMS Text Message to your Mobile Device acknowledging that you have registered for this Service. After you receive the SMS Text Message, you will be provided with further instructions on how to access the Service using the browser on your Mobile Device as well as how to receive account balance information using SMS Texting. During this registration process, you will be required to provide your Online Banking identification credentials ("Access Code") that you must use each time you access the Service.

4. SECURITY PROCEDURE. The use of the Access Code and your Mobile Device is a security procedure established by Bank to authenticate the identity of the person attempting to gain access to the Service. The security procedure is not designed for the detection of errors. We may require you to change your Access Code from time to time for security reasons. You should keep your Access Code in a secure location. Any person having access to your Access Code will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Pay Services. With this Access Code, a third party will be able to use your Online Banking Service to add new payees to the Bill Pay Service. You are responsible for safeguarding the Access Codes and your Mobile Device. Providing these Access Codes to another person effectively constitutes a grant of authority to access your accounts under Federal Reserve Board Regulation E ("REG E").

(a) You agree to comply with the "Security Procedures" and any other Security Procedures Bank directs you to use, and you acknowledge and agree that the Security Procedures, including (without limitation) any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with a Security Procedure ("Security Devices"), constitute commercially reasonable security procedures under applicable law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised, or otherwise become known to persons other than you or your representative(s) and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your deposit account maintained with Bank, and you agree and intend that the submission of transactions and instructions using the Security Procedures shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated through the use of such Security Procedures, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Security Procedures are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such error.

(b) You agree to keep all Security Procedures and Security Devices protected, secure, and strictly confidential and to provide or make available the same only to your authorized representative(s). You agree not to disclose or provide any Security Procedures or Security Devices to any unauthorized person. Where you have the ability to change or modify a Security Device from time to time (e.g., a password or User Name), you agree to change Security Devices frequently in order to ensure the security of the Security Device. You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Security Procedures or Security Device have been stolen, compromised, or otherwise become known to persons other than you or your authorized representative(s) or if you believe that any transaction or activity is unauthorized or in error. In the event of any actual or threatened breach of security, we may issue you a new Security Device or establish new Security Procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions.

(c) We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures, and/or to cancel or replace any Security Device, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in Security Procedures; provided that we may make any change in Security Procedures without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets. Your implementation and use of any changed Security Procedures after any change in Security Procedures shall constitute your agreement to the change and your agreement that the applicable Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended.

5. AVAILABILITY OF SERVICE. We will use reasonable efforts to make the Service available for your use on a continuous basis. The Service may be unavailable for short periods of time for regular or emergency system maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours. In addition, accessibility to the Service may be interrupted because of conditions beyond our control, including outages in Internet, cellular or other communications availability. We will use diligent efforts to re-establish the Services as promptly as possible. We do not promise the Service will always be available for your use. We may elect to discontinue this Service at any time. If we choose to discontinue the Service, we will provide you with reasonable notice in advance of that fact. We reserve the right at all times to take actions to protect our systems and information, including denial of access to users of the Service.

6. PHYSICAL AND ELECTRONIC SECURITY. Because the Mobile Banking Service is similar to Online banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by applicable law. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as "phishing" or "pharming"). You acknowledge that, other than at the time you are registering for this Service, Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Security Devices, or any sensitive or confidential information, and will never provide links to websites in e-mails or text messages that Bank transmits to you. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or Internet fraud.

7. ACCOUNT ACCESS. Transfers and Payments from your Account initiated via the Mobile Banking Service will be deducted on the day you initiate them. If the day you initiate a Transfer or Payment falls on a weekend or holiday, we will process your transaction the next Business Day. We may refuse to act on your Transfer instructions or Payment request if sufficient funds, including funds available under any overdraft protection plan, are not available in your Account on the date you want us to make the Transfer or Payment.

8. PROCESSING INTERNAL FUND TRANSFERS. We can process a Transfer until 8:00 p.m. CT on a Transfer Day. If you initiate a Transfer after the cutoff time, the Transfer will be processed the following Business Day. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permissible by the applicable law and the terms of any other relevant agreements. If there are insufficient funds in your Account to make a Transfer or Payment, we may refuse to make the Transfer or Payment or we may make the Transfer or Payment and overdraw your Account. In either event, you are responsible for any non-sufficient funds ("NSF") charges that may apply.

9. CANCELLING TRANSFERS OR PAYMENTS. You may cancel a pending Transfer or Payment transaction. However, to do so, you must use the Online Banking Service and we must receive your instruction to cancel prior to the cutoff time on the Transfer Day or Business Day the transaction is scheduled to be processed. If we don't receive your instruction to cancel a transaction before that time, we may process the transaction.

10. BILL PAYMENT SERVICE and TRANSFERS. If you have signed up for our Online Bill Payment Service, you can use this Service to initiate one-time immediate bill payments, which will be processed during the next bill pay processing time. You cannot use this Mobile Banking Service to set up new payees. You must use the Online Bill Payment Service to set up new payees. The Bank reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, Payments to settle securities purchases, Payments to interest bearing accounts, government payments and Payments outside of the United States and other Payments listed in the Consumer Online Banking Agreement are prohibited and you agree that you will not attempt to use the Service to make these types of Payments. Please refer to your Online Banking Service Agreement for the procedures that must be followed to perform these functions Payments are posted against your current balance, plus the available credit on your overdraft protection, if any, or other line of credit. When you initiate a Bill Payment, the Bill Payment may be made by check or electronically and the Payment will be processed in accordance with the terms of the Consumer Online Banking Agreement. Recurring Payments and Transfers cannot be made through this Service. One-time Payments do not reoccur, and are not made until you enter the Payee and amount of the current bill and submit the Payment. A stop payment cannot be placed on an Electronic Bill Payment transaction once issued and the Payment cannot be cancelled. However, a stop payment can be placed on a Bill Payment transaction by Bill Payment check any time prior to the check being presented for final payment subject to the completion of a Stop Payment Request. In the event a Payment is returned to us for any reason, you authorize us, in our sole and absolute discretion, to either research and/or correct the Payment information or to void the Payment and re-credit your Account.

11. CONFIRMATION NUMBERS. Upon completion of a Transfer or Payment, a confirmation message will be displayed on your Mobile Device confirming that the transaction has been completed. If Alerts have been enabled, an SMS Text message will be sent to confirm the Transfer or Payment. You should record the Payee information (if applicable), the date of the Transfer or Payment, and the amount of the Transfer or Payment, in your checkbook/transaction register or other permanent record. This procedure will help in resolving any problems that may occur. No printed receipts are issued through the Service.

12. LIMITATIONS. Your use of the Service is subject to the following limitations:

(a) DOLLAR AMOUNT. There may be a limit on the dollar amount of the transactions you can make using the Service. Security reasons limit the dollar amount of transactions and these limits are subject to change from time to time. Payment can only be made with U.S. currency.

(b) FREQUENCY. There may be limits on the number of transactions you can make using the Service. These limits are for security reasons and are subject to change.

(c) FOREIGN TRANSACTIONS. No Payments may be made to Payees outside the United States.

Additional limitations may be contained in this Agreement. Your ability to initiate transactions may also be limited by the terms of other agreements you have with the Bank or by applicable law.

13. SMS TEXTING SERVICE. The Mobile Banking Services enables you to access your account(s) through an SMS text enabled Mobile Device. By activating/registering your Mobile Devices for this service, you agree to receive and send electronic text messages about your Accounts. Bank will send text messages to you based upon the instructions you provide at the time of the SMS request that you send. You hereby acknowledge and accept that each message is sent to you without being encrypted and will include certain information requested on your Account(s). You may request and receive text messages concerning your accounts on any text enabled Mobile Device. It is your responsibility to determine if your wireless carrier provider supports text messages and your Mobile Device is capable of receiving text messages. Bank's SMS messages are subject to the terms and conditions of your agreement(s) with your wireless carrier provider even if your use of the SMS service results in additional or changed fees.

When utilizing the SMS Texting Service and need help, text the word HELP to 73955 to receive additional details related to the service. You may cancel the SMS Texting Service from your mobile device by texting the word "STOP" to 73955. In the event you have additional questions, contact the Service Center by emailing info@firstcnb.com or by calling (731)285-4410; toll free at (800)321-3176.

Once you activate your Mobile Device for this Service, YOU are responsible for keeping any personal information in your Mobile Device secure. For your protection, you agree to:

•   Log in to Online Banking and cancel SMS Texting if you or your wireless carrier provider is cancelled.

•   Log in to Online Banking and cancel SMS Texting if your Mobile Device is lost or stolen.

•   Contact the Bank if Mobile Device is lost or stolen.

•   Log in to Online Banking and cancel or edit SMS Texting if there are changes to your wireless carrier provider or Mobile Device number (cell phone number).

•   Erase your "Sent Message" and "Inbox" that may contain your SMS PIN number or other personal information. You acknowledge, agree and understand that your receipt of any SMS messages may be delayed or prevented by factor(s) affecting your wireless carrier provider and/or other factors outside our control. We neither guarantee the delivery nor the accuracy of the contents of any message(s). You agree to the terms of the indemnification clause as specified on the Consumer Online Banking Agreement.

You also agree not to hold the Bank liable for any losses, damages or costs that may arise in whole or in part, from:

•   Non-delivery, delayed delivery, or the misdirected delivery of any message.

•   Inaccurate or incomplete content in any message.

•   Your reliance on or use of the information provided in any SMS service message for any purpose.

Bank provides this service as a convenience to you. We do not use text messages for any purpose not included in this system and will not respond to text messages sent to us that do not comply with appropriate action codes. A SMS message does not constitute an official record for the Account to which it pertains. Bank reserves the right to terminate this service or begin charging a fee for this service at any time without prior notice to you, except where required by law. All provisions of any agreements or disclosures previously made pertaining to your Account(s) remain in effect and are not superseded or amended by this Agreement.

14. NO FEES TO ACCESS MOBILE BANKING SERVICE. There is no fee or charge assessed by us for you to register for or access the Mobile Banking Service. (We may assess fees or charges in the future; you will receive notice of such fees or charges, as required by law.) You may, however, incur charges to receive Internet service on your Mobile Device. You may also incur charges from your wireless carrier when sending and receiving text messages. You will be responsible to your wireless carrier for any such Internet or text messaging charges.

15. PRIVACY AND SOLICITATION. We are committed to protecting your privacy. All information gathered from you in connection with using the Mobile Banking Service will be governed by the provisions of the First Citizens National Bank Privacy Policy, which is incorporated herein by reference, and the receipt of which you acknowledge as part of your agreement to this Agreement. Upon enrollment, you are also providing your express prior consent permitting us to contact you for fraud prevention, servicing, telemarketing purposes, or other purposes as provided in the Privacy Policy.

16. EXPORT CONTROL & INTERNATIONAL USE. The United States controls the export of products and information containing encryption ("Controlled Technology"). You agree to comply with such restrictions and not to export or re-export any Controlled Technology within the Service to countries or persons prohibited under the Export Administration Regulations ("EAR"). By downloading any products or information from this Service, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any products or information subject to the EAR. We do not make any representation that any content or use of the Service is appropriate or available for use in locations outside of the United States. Accessing the Service from locations where its contents or use is illegal is prohibited by Bank. Those choosing to access the Service from locations outside the United States do so at their own risk and are responsible for compliance with local laws.

17. PROPRIETARY RIGHTS. Other than your materials and account information, all content received on the Mobile Banking Service is the exclusive property of Bank and/or Licensor and is protected by copyrights or other intellectual property rights.

18. YOUR RESPONSIBILITIES.

(a) PROVIDING HONEST AND ACCURATE INFORMATION UPON REGISTRATION. You agree to provide true, accurate, current, and complete information about yourself as requested in registering for the Service, and you agree to not misrepresent your identity.

(b) NO ILLEGAL USE OF THE MOBILE BANKING SERVICE. You agree not to use the Service to conduct any business or activity or solicit the performance of any activity that is prohibited by law or any contractual provision by which you are bound with any person. You agree to comply with all applicable laws, rules, and regulations in connection with the Service. You certify that you are 18 years of age or older or otherwise able lawfully to enter into contracts under applicable law.

(c) PROMPT NOTIFICATION OF THEFT OR DESTRUCTION OF EQUIPMENT. You agree to notify us in a timely manner in the event you lose, change, or destroy the device whose phone number is registered with the Mobile Banking Service.

(d) NAMING OF ACCOUNTS. You agree not to use any personally-identifiable information when providing shortcuts or creating nicknames to your Accounts.

(e) DUTY TO INSPECT. You shall inspect all transaction history, reports, journals, and other material evidencing the output of the service(s) performed by Bank. You must report all errors to the Bank for services performed and indicated in the transaction history, reports, journals, and other material evidencing the output of the service(s) or otherwise reported to you daily by the close of business on the banking day following the day on which the Service(s) is rendered. You must report all other errors within a reasonable time not to exceed sixty (60) days from the date that the error is made. Failure of you to promptly report errors within such specified time shall preclude you from asserting against the Bank any claims arising from the error or any loss caused by the error.

19. THE BANK'S RESPONSIBILITIES. Bank agrees to use ordinary care in rendering Services under this Agreement. You recognize and agree that ordinary care does not mean error free. You agree to pay all attorneys' fees, costs and expenses Bank may incur in collecting any sums you owe to Bank for overdrafts, service charges or otherwise or in enforcing any rights Bank may have under the terms of this Agreement or applicable law, rule or regulation applicable to your account(s) or the Services rendered by Bank under this Agreement. You also agree to pay all attorneys' fees, costs and expenses that Bank may incur as the result of defending any claim or action made against Bank by you, or on your behalf where Bank is found not to be liable for such claim. In no event shall Bank be liable to you for attorneys' fees incurred by you in any action brought by you against Bank. Our sole responsibility for an error in a transfer will be to correct the error. Without limiting the generality of the forgoing, we will not be responsible for the following matters, or for errors or failures of our Services as result of:

(a) ACCESS. We will not be liable under this Agreement for failure to provide access or for interruptions in access to our Services due to a system failure or due to other unforeseen acts or circumstances.

(b) YOUR MOBILE DEVICE & YOUR SOFTWARE. We will not be responsible for any errors or

failures from any malfunction of your Mobile Device or any malicious software or other problems related to the Mobile Device used with our Services.

We are not responsible for any error, damages or other loss you may suffer due to malfunction or misapplication of any system you use, including your mobile browser (Internet Explorer Mobile®, Safari®, Opera Miniâ„¢/Opera Mobileâ„¢ or otherwise), your mobile service provider, your personal financial management or other software (such as Quicken® or Microsoft Money®), or any equipment you may use to access or communicate with the Service.

(c) OTHER. Any Transaction or instruction that: (i) exceeds your collected and available funds on deposit with the Bank; (ii) is not in accordance with any condition indicated by you and agreed to by the Bank; (iii) the Bank has reason to believe may not be authorized by you; (iv) involves funds subject to hold, dispute, or legal process preventing their withdrawal; (v) would violate any provision of any present or future risk control program of the Federal Reserve or any current or future rule or regulation of any other federal or state regulatory authority; (vi) is not in accordance with any other requirement stated in this Agreement or any Bank policy, procedure or practice; or, (vii) for the protection of the Bank or you, the Bank has reasonable cause not to honor.

20. CONTACT INFORMATION/HOURS OF OPERATION. In case of questions about the Service or your electronic transactions contact customer service at:

First Citizens National Bank

Attn: Service Center

P.O. Box 370

Dyersburg, TN 38025-0370

Phone: (731) 285-4410 (800) 321-3176

info@firstcnb.com

Monday through Friday 7:00 a.m. CT until 7:00 p.m. CT (excluding holidays)

Saturday 8:00 a.m. CT until 1:00 p.m. CT (excluding holidays)

21. AUTHORITY AND JOINT ACCOUNTS. You hereby represent and warrant that you have full right, authority and power to execute, deliver and perform this Agreement. If this account is a joint account, you are jointly and severally liable under this Agreement. Each of you acting alone may perform transactions, obtain information, terminate this Agreement or otherwise transact business, take actions or perform under this Agreement. We are not required to obtain the consent of, or notify either of you. However, each of you will only be permitted to access accounts for which you are an owner or authorized user. Each of you individually releases us from any liability and agrees not to make a claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Mobile Banking account. Each of you agrees to indemnify us and hold us harmless from any and all liability (including, but not limited to, reasonable attorney's fees) arising from any such claims or actions.

22. INTERNET DISCLAIMER. Bank does not and cannot control the flow of data to or from Bank's network and other portions of the Internet. Such flow depends in large part on the performance of Internet Services provided or controlled by third parties. Actions or inactions of such third parties can impair or disrupt your connections to the Internet (or portions thereof). Bank cannot guarantee that such events will not occur. Accordingly, Bank disclaims any and all liability resulting from or related to such events and in no event shall Bank be liable for any damages (whether in contract or in tort) that are attributable to the public Internet infrastructure, your ability to connect to the Internet, or Bank's ability to connect to the Internet on your behalf.

23. LIMITED LIABILITY. YOU UNDERSTAND THAT THERE ARE RISKS ASSOCIATED WITH USING A MOBILE DEVICE AND THE SERVICES OUTLINED IN THIS AGREEMENT. IN THE EVENT OF THEFT OR LOSS OF YOUR MOBILE DEVICE OR EMAIL ADDRESS, YOUR CONFIDENTIAL INFORMATION COULD BE COMPROMISED. IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, DIRECTORS, SHAREHOLDERS, OWNERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, LICENSORS, THIRD PARTY SERVICE PROVIDERS, OR NETWORK BANKS BE LIABLE FOR ANY CONSEQUENTIAL (INCLUDING, WITHOUT LIMITATION, LOSS OF DATA, FILES, PROFIT, OR GOODWILL OR THE COSTS OF PROCUREMENT OF SUBSTITUTE OF GOODS OR THE SERVICES), INDIRECT, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH (I) YOUR USE OF THE SERVICES EVEN IF YOU, BANK, OR BANK'S SERVICES PROVIDER HAVE BEEN SPECIFICALLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; (II) ANY TRANSACTION CONDUCTED THROUGH OR FASCILITATED BY THE SERVICES; (III) ANY CLAIM ATTRIBUTABLE TO ERROS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES; OR (IV) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA. IF YOU ARE DISSATISFIED WITH THE SERVICES OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE(S). TO THE EXTENT THE AFOREMENTIONED LIMITATION OF LIABILITY MAY NOT APPLY, THE AGGREGATE LIABILITY OF BANK AND OUR THIRD PARTY SERVICE PROVIDERS UNDER THIS AGREEMENT SHALL NOT EXCEED FIVE HUNDRED DOLLARS.

24. DISCLAIMER OF WARRANTIES. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICES SHALL BE AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED BY BANK ON AN "AS IS" BASIS. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, BANK MAKES NO, AND HEREBY DISCLAIMS ANY AND ALL, REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, IN LAW OR IN FACT, WHATSOEVER TO YOU OR TO ANY OTHER PERSON AS TO THE SERVICES OR ANY ASPECT THEREOF, INCLUDING (WITHOUT LIMITATION) ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, OR SUITABILITY. YOU AGREE THAT NO ORAL OR WRITTEN ADVICE OR REPRESENTATION OBTAINED FROM ANY BANK EMPLOYEE OR REPRESENTATIVE SHALL CREATE A WARRANTY OR REPRESENTATION FOR PURPOSES OF THIS AGREEMENT OR ANY SERVICES TO BE PERFORMED PURSUANT HERETO. BANK MAKES NO REPRESENTATION OR WARRANTY, EITHER EXPRESS OR IMPLIED, TO YOU AS

TO ANY MOBILE DEVICE, HARDWARE, SOFTWARE, EMAIL SERVICE, OR EQUIPMENT USED IN CONNECTION WITH THE SERVICES (INCLUDING, WITHOUT LIMITATION, YOUR MOBILE DEVICE OR RELATED EQUIPMENT, YOUR SOFTWARE, OR YOUR MOBILE SERVICE PROVIDER OR ITS EQUIPMENT), OR AS TO THE SUITABILITY OR COMPATIBILITY OF BANK'S SOFTWARE, INTERNET DELIVERED SERVICE, EQUIPMENT OR COMMUNICATION INTERFACES WITH THOSE THAT YOU USE, OR AS TO WHETHER ANY SOFTWARE OR INTERNET DELIVERED SERVICE WILL PERFORM IN AN UNINTERRUPTED MANNER, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. BANK SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY ERRORS OR FAILURES RESULTING FROM DEFECTS IN OR MALFUNCTIONS OF YOUR MOBILE DEVICE HARDWARE OR SOFTWARE, FOR THE QUALITY OF PERFORMANCE OR LACK OF PERFORMANCE OF ANY SOFTWARE OR HARDWARE OR INTERNET DELIVERED SERVICES SUPPLIED BY BANK TO YOU IN CONNECTION WITH THIS AGREEMENT, OR FOR THE TRANSMISSION OR FAILURE OF TRANSMISSION OF ANY INFORMATION FROM YOU TO BANK OR FROM BANK TO YOU. BANK SHALL NOT BE RESPONSIBLE FOR NOTIFYING YOU OF ANY UPGRADES OR ENHANCEMENTS TO ANY OF YOUR MOBILE DEVICE HARDWARE OR SOFTWARE.

25. RELATIONSHIP OF PARTIES. You and Bank acknowledge and agree that the relationship of Bank and you is that of an independent contractor and that this Agreement does not establish or create a general agency, joint venture, partnership, or employment relationship between you.

26. FORCE MAJEURE. The Bank shall not be responsible for any liability, loss, or damage resulting from Bank's failure to perform any Service or to perform any other obligations under this Agreement which is caused by an act of God, fire, floods, adverse weather or atmospheric conditions or other catastrophes; war, sabotage, riots, acts of public enemy, or acts of governmental authority or the Board of Governors of the Federal Reserve; labor difficulties; equipment or computer failure or destruction or the unavailability, interruption, or malfunction of communications facilities or utilities; delays or failure to act by you or third parties and their personnel; criminal acts; or generally any cause reasonably beyond the Bank's control.

27. INDEMNIFICATION. In addition to the indemnification and liability provisions contained elsewhere in this Agreement, the following provisions apply: You agree to indemnify, defend, and hold Bank and our affiliates, officers, owners, directors, employees, consultants, agents, Third Party Service providers, and licensors harmless from any and all third party claims, liability, damages and/or costs (including, but not limited to, reasonable attorneys' fees) arising from damages that result from misuse or loss of your phone, misuse of the Service, or unauthorized use of your email account. You will be liable for, hold harmless, and will indemnify Bank, and its employees and agents from and against all claims of any sort by third parties or others arising out of this Agreement, including all losses and expenses incurred by Bank arising out of your failure to report required changes, transmission of incorrect data to Bank, or failure to maintain compliance with all laws, regulations and rules. Except for those losses caused directly by Bank's failure to exercise ordinary care or to act in good faith, you agree to indemnify and hold Bank, its officers, directors, shareholders, owners, agents, employees, affiliates, Third Party Service providers, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys' fees) arising from or related in any way to (i) any services performed in connection with this Agreement, (ii) Bank's action or inaction in accordance with or reliance upon any instructions or information received from any person reasonably believed by Bank to be an authorized representative of you or Authorized User, (iii) your breach of any of your covenants, agreements, responsibilities, representations or warranties under this Agreement, and/or (iv) your breach of applicable laws, rules or regulations.

28. AREA OF SERVICE. The Services described in this Agreement are solely offered to citizens and residents of the United States of America and may not be accessed while outside of the United States of America.

29. PROGRAM REVISIONS. We may, from time to time, revise or update, or perform maintenance upon, our program, the Services, and/or related material, resulting in interrupted service or errors in the Services or rendering prior versions obsolete. We also may need to change the scope of our Services from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided. We reserve the right to terminate this Agreement as to all prior versions of our programs, the Services, and/or related material and limit access to our more recent versions and updates. Use of the Service after the effective date of any such revisions, updates, and/or changes will constitute your consent to the same.

30. NOTICES. All notices required under this Agreement shall be sent in writing or electronically by a telecommunications device capable of creating a written record and delivered, mailed, or made available to you at the most recent address on file with the Bank and to us at the address set forth herein or to such other address as such party may designate from time to time. All notices shall be effective upon mailing or electronic transmission.

31. TERMINATION. This Agreement will be in effect from the date your registration is submitted by you and accepted by Bank and at all times while you are using the Mobile Banking Service. Either you or Bank may terminate this Agreement and your use of the Service or any product within the Service at any time with or without notice. All applicable provisions of this Agreement shall survive termination by either you or Bank.

32. LIABILITY FOR TRANSACTIONS COVERED BY REGULATION E (CONSUMER ACCOUNTS). To the extent a transaction is an "electronic fund transfer" under Federal Reserve Board Regulation E, tell us AT ONCE if you believe your Password has been lost or stolen, or if you believe that a Mobile Banking transaction has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. Call us at (731 ) 285-4410 or toll-free at (800) 321-3176 during our normal business hours (Monday through Friday, excluding holidays, from 7:00 a.m. CT until 7:00 p.m. CT or Saturday 8:00 a.m. CT until 1:00 p.m. CT or write us at First Citizens National Bank ATTN: Service Center, P.O. Box 370, Dyersburg, TN 38025-0370. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, you can lose no more than $50.00 if someone used your Access Code or made a transaction without your authorization. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft, or unauthorized transaction, and we can prove we could have stopped someone from using your Access Code or the Service without your authorization if you had told us, you could lose as much as $500.00. You could also lose up to an additional $50.00 if the Funding Account has an overdraft protection line of credit feature. Also, if your statement shows a transaction that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed, electronically transmitted, or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods as may be reasonable under the circumstances.

33. BANK'S FAILURE TO COMPLETE TRANSACTIONS (CONSUMER ACCOUNTS). To the extent that a Mobile Banking Service transaction is an "electronic fund transfer" under Federal Reserve Board Regulation E that relates to an Account established primarily for personal, family, or household purposes, if we do not properly complete a transfer to or from your Account on time or in the correct amount according to the terms of this Agreement, we will be liable for your losses or damages. However, we will not be liable (and any payment guarantee provided elsewhere in this Agreement will not be applicable) if any of the following occurs:

•   Through no fault of ours, you do not have sufficient collected funds in the Account to complete the transaction;

•   The transaction would exceed the credit limit on any overdraft line of credit linked to the Account;

•   Your Mobile Device, Internet service provider, Cellular service provider, telephone line, modem, router, or other equipment is not operating properly;

•   The Service is not working properly and you were aware of the malfunction when you initiated the transaction;

•   You do not properly follow the instructional materials provided in connection with Mobile Banking;

•   You do not authorize a Payment within a sufficient period of time for your Payment to be received by the payee by the due date;

•   You have not provided us with the correct Payee name, address, account information, Payment amount, or other instructions necessary to complete the Payment, or the foregoing instructions that may be stored on your Mobile Device or the host system have been lost;

•   A Payee mishandles or delays the handling of Payments sent by us;

•   Your funds are held or frozen, or a court order or other legal process prevents us from making a transaction;

•   Your Access Code has been reported lost or stolen;

•   We have reason to believe that a transaction has not been properly authorized or authenticated, or is fraudulent, erroneous, or illegal;

•   You have exceeded the limitations on frequency of transactions or dollar amount of transactions applicable to the Service or the Account;

•   Your Mobile Device service has been disconnected or there are deficiencies in the quality of your mobile data transmissions;

•   Circumstances beyond our control (such as telecommunication or electrical outages and malfunctions, postal strikes or delays, computer system failures, or natural disasters) prevent the transaction;

•   Making a transfer would cause us to violate any law, rule, or regulation to which we are subject; or

•   Any failure on our part was not intentional and resulted from a bona fide error notwithstanding procedures to avoid such error, except for actual damages (which do not include indirect, incidental, special, or consequential damages).

There may be other exceptions to liability stated in this Agreement, or in other agreements we have with you, or otherwise provided by applicable law.

34. ERROR RESOLUTION (CONSUMER ACCOUNTS). In case of errors or questions about your electronic transfers, telephone us, write us at or E-mail us at the number or location provided in Paragraph 21 as soon as you can if you think that your statement is wrong or you need more information about a transaction listed on your statement or appearing on the account activity screen of your PC and/or Mobile Device, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared or you received notification of the problem or error on your PC and/or Mobile Device. You must:

•   Tell us your name and the Account number.

•   Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

•   Tell us the dollar amount of the suspected error.

•   If the suspected error relates to a bill payment made via the Mobile Banking Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, confirmation number, and the payee account number for the payment in question. (This information appears on a screen in the Online Banking Service.)

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) after we hear from you and will correct any error promptly. If we require more time, however, we may take up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) to investigate your complaint or question. If this additional time is necessary, and your written notification has been received by us, we will credit your account within ten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days (twenty (20) Business Days for transactions that have occurred within 30 days after the first deposit to the account), we will not credit your account and we will still have up to forty-five (45) days (ninety (90) days for point-of-sale transactions, transactions initiated outside the United States, or transactions that have occurred within 30 days after the first deposit to the account) for our investigation. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

35. GOVERNING LAW. These terms and conditions of this Agreement shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions and without regard to your state of residence.

36. ENFORCEMENT. In the event a dispute arises either directly or indirectly, under this Agreement, the venue for any and all litigation resulting therefrom shall be in a court of appropriate jurisdiction in Tennessee. The prevailing party in any such action shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney's fees (which may be or include the allocable cost of in-house counsel) and costs, including fees for any litigation, arbitration, mediation, appeal, or bankruptcy proceedings, and any post-judgment collection actions, if applicable.

37. MISCELLANEOUS PROVISIONS.

(a) HEADINGS. The headings and captions contained in this Agreement are included only for convenience of reference and do not define, limit, explain, or modify this Agreement or its interpretation, construction, or meaning.

(b) SEVERABILITY. The holding of any provision of this Agreement as invalid, illegal, or unenforceable, in whole or in part, shall not affect the other provisions of this Agreement, which shall remain in full force and effect.

(c) WAIVER. No waiver by the Bank (whether or not in writing) of any term, condition, or obligation of you shall bind the Bank to waive the same term, condition, or obligation again, nor shall any other provision, condition, term, or obligation hereof be affected by such a waiver.

(d) BINDING EFFECT. This Agreement shall inure to the benefit of and be binding upon the successors, heirs, trustees, and permitted assigns of the parties hereto.

(e) ENTIRE AGREEMENT. This Agreement constitutes the entire agreement between the parties hereto concerning the subject matter hereof. All contemporaneous agreements or understandings concerning the subject matter hereof, whether oral or written, are merged into this Agreement.

(f) TRANSFERS AND ASSIGNMENTS. You cannot transfer or assign any rights or obligations under this Agreement without Bank's written consent. The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party.

SECTION B - END USER LICENSE AGREEMENT TERMS FOR THE DOWNLOADABLE APP

1. Ownership. You acknowledge and agree that a third party provider or licensor to your financial services provider ("Licensor") is the owner of all right, title and interest in and to the downloaded software to be used for access to mobile banking services from your financial services provider and the computer programs contained therein in machine readable object code form as well as any accompanying user documentation along with all subsequent copies, updates or versions thereof which are made available to you (if any), regardless of the media or form in which they may exist (collectively the "Software").

2. License. Subject to the terms and conditions of this License Agreement, you are hereby granted a limited, nonexclusive license to use the Software in accordance with the terms of this License Agreement. All rights not expressly granted to you by this License Agreement are hereby reserved by the owner of the Software. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. This License Agreement may be terminated at any time, for any reason or no reason. Upon termination, you agree to immediately destroy all copies of the Software in your possession or control.

3. Restrictions. You shall not: (i) modify, revise or create any derivative works of the Software; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Software; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Software; or (iv) remove or alter any proprietary notices, legends, symbols or labels in the Software, including, but not limited to, any trademark, logo or copyright.

4. Disclaimer Warranty. THE SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SOFTWARE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SOFTWARE WILL BE UNINTERRUPTED. YOUR USE OF THE SOFTWARE AND ANY OTHER MATERIAL OR SERVICES DOWNLOADED OR MADE AVAILABLE TO YOU THROUGH THE SOFTWARE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE.

5. Limitations of Warranty. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LICENSOR, THE PROVIDER OF ANY FINANCIAL SERVICES AVAILABLE THROUGH OR RELATED TO THE SOFTWARE, ANY OF THEIR CONTRACTORS OR PROVIDERS OR ANY OF EACH OF THEIR AFFILIATES BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, LIABILITY OF LICENSOR OR ANY OF THE OTHER PERSONS OR ENTITIES DESCRIBED IN THE PRECEDING SENTENCE ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE SHALL NOT EXCEED IN THE AGGREGATE THE LESSER OF $10.00 OR THE SUM OF THE FEES PAID BY YOU FOR THIS LICENSE.

6. U.S. Government Restricted Rights. The Software is commercial computer software subject to RESTRICTED RIGHTS. In accordance with 48 CFR 12.212 (Computer software) or DFARS 227.7202 (Commercial computer software and commercial computer software documentation), as applicable, the use, duplication, and disclosure of the Software by the United States of America, its agencies or instrumentalities is subject to the restrictions set forth in this Agreement.

7. Miscellaneous. This License Agreement constitutes the entire agreement between the parties concerning the subject matter hereof. This License Agreement will be governed by and construed in accordance with the laws of the state of California excluding that body of laws pertaining to conflict of laws. If any provision of this License Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this License Agreement are subject to the exclusive jurisdiction of the courts of California and the parties expressly consent to jurisdiction and venue thereof and therein. The parties confirm that this License Agreement and all related documentation is and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded.

8. Content and Services. Neither Licensor nor the provider of the wireless network is the provider of any financial services available through or related to the Software, and neither Licensor nor the provider of the wireless network or any contractor of the provider of the financial services available through or related to the Software, is responsible for any of the materials, information, products or services made available to you via the Software.

SECTION C - Mobile Deposit Terms and Conditions

In addition to Section A and B, this Section C contains the terms and conditions for use of the Mobile Deposit Service provided to you.

1. Services. The Service is designed to allow you to make mobile deposits (each such deposit a "Mobile Deposit" and collectively "Mobile Deposits") to your checking, savings or money market accounts from home or other remote locations by using a mobile device with the Bank's downloadable mobile application "Software" to capture images of paper checks and transmitting the images and associated deposit information to Bank or Bank's designated processor ("Processor"). You acknowledge and agree that Mobile Deposits made by you using this Service are not an "Electronic Fund Transfer" as that term is defined in Consumer Financial Protection Bureau Regulation E. The terms "Bank" and "Processor" may be used interchangeably when used in relation to any services performed by a Processor on behalf of Bank including, but not limited to, the receipt and processing of images and check data and any notices related thereto. The mobile device must capture an image of the front and back of each Check (as herein defined) to be deposited (each an "Image" and, if more than one, "Images") in accordance with the procedures outlined in the Agreement and provided to you in the Service documentation, ("Procedures"). After capture of the front and back Images and all other required data and information from the paper check, you will transmit, via the Internet, the Mobile Deposit containing the Images and all other required data and information from or pertaining to the check to Bank or Processor using the Software. Subject to compliance with the terms, provisions and conditions of this Agreement, Bank will provisionally credit the account or accounts designated by you for the amount of the deposit(s) on the day of receipt of the Mobile Deposit and enter the Images of the checks into the collection process, in accordance with the provisions of Bank's Deposit Account Agreement pertaining to the account(s) into which the Mobile Deposit is to be made and this Agreement.

2. Acceptance of these Terms. We will notify you of any material change via e-mail, text message, or on our website by providing a link to the revised Agreement or by an online secure message. If required by this Agreement or by applicable law, notice will be given for the applicable required number of days in advance of each such material change. You will be prompted to accept or reject any material change to this Agreement the next time you use the Service after the Bank has made the change. Your acceptance of the revised Agreement along with the continued use of the Service will indicate your consent to be bound by the revised Agreement. Further, the Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service. No changes requested by you shall be effective unless received and agreed to in writing by Bank.

3. Hardware and Software. In order to use this Service, you must obtain and maintain, at your sole cost and expense, a compatible mobile device and/or other hardware and software that meets all technical requirements, as specified by the Bank from time to time, for the proper delivery of the Service and that fulfills your obligation to obtain and maintain secure access to the Internet. See www.firstcnb.com for current hardware and software specifications. The Bank is not responsible for any third party software you may need to use this Service. Any such software is accepted by you "as is" and is subject to the terms and conditions of the software agreement you entered into directly with the third party software provider at time of download and installation. You understand and agree you may also incur, and shall pay, any and all expenses related to the use of the Service, including, but not limited to, telephone, mobile data, or Internet service charges. You are solely responsible for the payment of any and all costs and expenses associated with meeting and maintaining all technical requirements and additional items necessary for the proper use of the Service. You understand and agree that you are solely responsible for the operation, maintenance and updating of all equipment, software and services used in connection with the Service and the cost thereof, and you hereby agree that you will perform, or cause to be performed, all vendor recommended maintenance, repairs, upgrades and replacements. Bank is not responsible for, and you hereby release Bank from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using electronic mail or the Internet. Bank is not responsible for, and you hereby release Bank from, any and all claims or damages resulting from, or related to, defects in or malfunctions of your hardware or software, or failures of or interruptions in any electrical, telephone, mobile data, or Internet services. Bank hereby advises you, and you hereby agree to scan your computer hardware and software on a regular basis using a reliable computer virus detection product in order to detect and remove computer viruses.

4. Fees. A fee may be charged for this Service. You are responsible for paying the fees for the use of this Service. Any fee that is charged will be disclosed prior to your Mobile Deposit. The Bank may change the fees for use of this Service at any time pursuant to the section above titled "Acceptance of these Terms." You authorize the Bank to deduct any such fees from any Bank account in your name, even if such deduction causes an overdraft in the account. Should you fail or refuse to pay any charges under this Agreement, you agree to pay all collection costs (including reasonable attorney's fees) that may be incurred by Bank. In addition to the Service fees, you agree to pay all taxes, tariffs and assessments levied or imposed by any government agency in connection with the Service, this Agreement, and/or the software or equipment made available to you (excluding any income tax payable by Bank). You are also responsible for the costs of any communication lines and any data processing charges payable to third parties.

5. Eligible Items and Security Interest. You agree to scan and deposit only checks as the term check is defined in Federal Reserve Regulation CC ("Reg. CC"). You agree that the Image of the check ("Image") that is transmitted to Bank (each such check and other item a "Check" and, if more than one, "Checks") shall be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code (1990 Official Text).

You agree you will not use this Service to scan and deposit any of the following checks or other items (each a "Prohibited Check" and, collectively, "Prohibited Checks"), which shall be considered ineligible:

•   Checks or items payable to any person or entity other than the person or entity that owns the account in which the check is being deposited.

•   Checks or items containing an alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.

•   Checks or items payable jointly not in the alternative, unless deposited into an account in the name of all payees.

•   Checks or items previously converted to a substitute check, as defined in Reg. CC or are "image replacement documents" that purport to be substitute checks.

•   Checks or items drawn on a financial institution located outside the United States.

•   Checks or items that are remotely created checks, as defined in Reg. CC.

•   Checks or items not payable in United States currency.

•   Checks or items dated more than six (6) months prior to the date of deposit.

•   Checks or items prohibited by the Bank's current procedures related to this Service or which are otherwise not acceptable under the Deposit Account Agreement governing your Bank account.

•   Checks or items payable on sight or payable through Drafts, as defined in Reg. CC.

•   Checks or items with any endorsement on the back other than that specified in this Agreement.

•   Checks or items that have previously been submitted through this Service or through a remote deposit capture service offered at any other financial institution.

•   Checks or items that are drawn or otherwise issued by the U. S. Treasury Department.

•   Money Orders or Postal Money Orders.

If you deposit a Prohibited Check, you agree to indemnify and reimburse Bank for, and hold Bank harmless from and against, any and all losses, costs and expenses (including reasonable attorney fees) Bank may incur associated with any warranty, indemnity or other claim related thereto.

You grant Bank a security interest in all of your accounts or other deposits (whether general or special) at the Bank, and in all funds in such accounts or other deposits, to secure your obligations to Bank under this Agreement. This security interest will survive termination of this Agreement.

6. Endorsements and Procedures. You agree to restrictively endorse any Check transmitted through the Service with your name and the legend "For FCNB Mobile Deposit Only" or as otherwise instructed by the Bank. You shall scan the front and back of each Check to be deposited and thereby capture the image of the front and back of each Check and any other required data from each Check and transmit the Images to be deposited and all other required data and information from or pertaining to such Checks to Bank or its Processor in accordance with the Procedures. Bank reserves the right to amend the Procedures, with or without prior notice to you. You agree to comply at all times with the Bank's Secure Login procedures established for online account access and Bank's mobile "Security Procedures" and to safeguard the confidentiality and security of the Security Procedures and all other proprietary property or information Bank provides to you in connection with the Service and to notify Bank immediately if you have any reason to believe the security or confidentiality required by this provision has been or may be breached. You acknowledge, understand and agree the Security Procedures are not designed for the detection of errors. Bank is not, and will not be, obligated to detect errors by you or others, even if Bank takes certain actions from time to time to do so. To ensure accuracy, you shall key the amount of each Check prior to transmitting the Mobile Deposit in accordance with the Procedures. You may send multiple Mobile Deposits to Bank or Processor throughout the day, not to exceed the deposit limits discussed in Section 13 of this Agreement.

7. Image Quality. The Images of Checks transmitted to the bank using this Service must be legible, as determined in the sole discretion of the Bank. Without limiting the foregoing, each Image of each Check must be of such quality that the following information can be clearly read and understood by sight review of such Image:

•   The amount of the Check;

•   The payee of the Check;

•   The signature of the drawer of the Check;

•   The date of the Check;

•   The Check number;

•   The information identifying the drawer and the paying bank that is preprinted on the Check, including the MICR line; and

•   All other information placed on the Check prior to the time an Image of the Check is captured, such as any required identification written on the front of the Check and any endorsements applied to the back of the Check.

Each Image shall also comply with any other requirements established from time to time by the Bank, and shall meet all standards for image quality established by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve, or any other regulatory agency, clearinghouse or association.

You shall ensure the scanned Image of the Check transmitted to Bank includes the full-field MICR encoding on each Check.

8. Receipt of Mobile Deposit and Notification. You agree that you shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the Images or other information contained therein that are not received by Bank or for Mobile Deposits or the Images or other information contained therein that are intercepted or altered by an unauthorized third party or dropped during transmission. You agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we reserve the right to reject any Mobile Deposit or the Images or other information contained therein transmitted through this Service, at our discretion, without liability to you. Bank has no obligation to notify you of the rejection of a Mobile Deposit or the Images or other information contained therein and shall have no liability to you for failing to do so. You agree to accept an electronic notification regarding the status of your transmitted Mobile Deposits or the Images or other information contained therein, including any notification of holds placed on the Mobile Deposit or any Image contained therein. A Mobile Deposit is considered received by Bank when a complete copy of the Mobile Deposit has been written on a Bank electronic storage device in conformity with Bank's technical and operational requirements. To meet the Cut-Off Time (as defined below), the Mobile Deposit must be received by Bank prior to the Cut-Off Time and successfully pass the edits for conformity with the technical requirements. For purposes of determining when a Mobile Deposit has been delivered and received, Bank's records shall be determinative. Upon receipt of a Mobile Deposit, Bank will send an email confirmation that we have received the Mobile Deposit. Your receipt of such confirmation does not mean the transmission was error free, complete or will be considered a Mobile Deposit and credited to your account.

Upon receipt of a Mobile Deposit submitted by you, Bank may examine such Mobile Deposit and the Images and other information contained therein to ensure that you have complied with this Agreement and followed the Procedures. If Bank determines that you have not complied with this Agreement or followed the Procedures or if errors exist in the Images or other information contained in the Mobile Deposit, Bank, in its sole discretion, may either reject the Mobile Deposit or elect to correct the error and accept and process the corrected Mobile Deposit (a "Corrected Mobile Deposit"). As a form of correction, Bank may credit your account for the full amount of the deposit and make any necessary adjustments to the account to correct the error. Bank may, at its option, also perform a risk management analysis of one or more Mobile Deposits submitted by you to detect potentially fraudulent Checks, and, in its sole discretion, Bank may reject any such Mobile Deposit or the Images or other information contained therein. If after examination of a Mobile Deposit and the Images and other information contained therein, Bank determines that you have complied with this Agreement and processed and transmitted the Mobile Deposit in accordance herewith and with the Procedures, the Bank shall accept the Mobile Deposit for deposit to your account. Notwithstanding the fact that Bank has accepted a Mobile Deposit for processing, any credit made to your account shall be provisional, and you shall remain liable to Bank for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against, Bank. Upon confirmation of the Mobile Deposit, Bank will send an email confirmation that we have approved and processed the Mobile Deposit or an email confirmation that the Bank is rejecting the Mobile Deposit or has made corrections to the Mobile Deposit.

9. Availability of Funds. You agree that Mobile Deposits transmitted using this Service are not subject to the funds availability requirements of Federal Reserve Board Reg. CC. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 5:00 p.m. CT/6:00 p.m. ET (the "Cut-Off Time") on a business day that the Bank is open. A Mobile Deposit that is received after the Cut-Off Time shall be deemed to have been received on the business day following the business day on which the Mobile Deposit is actually received by Bank. Bank reserves the right to change the Cut-Off Time. Any such change shall be effective immediately and may be implemented prior to your receipt of notice thereof. You may contact Bank at any time to verify the Cut-Off Time. Upon acceptance of the Mobile Deposit, Bank shall grant Provisional Credit (as herein defined) to your account for the total amount of the Corrected Mobile Deposit or the accepted Mobile Deposit, as applicable. "Provisional Credit" means that the credit is made to your account subject to final payment of the Checks and subject to the Bank's Deposit Account Agreement. For the purpose of determining availability of funds, the Bank may hold funds for the period of time permitted by the Bank's Funds Availability Disclosure.

10. Laws, Rules, and Regulations. You agree to comply with all existing and future operating procedures used by Bank for processing of transactions. You further agree to comply with, and be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks and drafts, including, but not limited to, all rules and procedural guidelines established by the Board of Governors of the Federal Reserve and the Electronic Check Clearing House Organization ("ECCHO") and any other clearinghouse or other organization in which Bank is a member or to which rules Bank has agreed to be bound. These procedures, rules, and regulations (collectively the "Rules") and laws are incorporated herein by reference. In the event of conflict between the terms of this Agreement and the Rules, the Rules will control.

11. Presentment. The manner in which the Images are cleared, presented for payment, and collected shall be in the Bank's sole discretion subject to the Rules and Bank's Personal Deposit Account Agreement. Bank, in its sole discretion, shall select the clearing agents used to collect and present the Images, and Bank's selection of the clearing agents shall be considered to have been designated by you.

12. Maintenance and Disposal of Transmitted Checks. You shall stamp the original check "Processed" after the process of scanning the Check in accordance with Section 6 of this Agreement. Upon your receipt of a confirmation from the Bank that we received your transmitted Image, you agree to securely store the original Check for a period of fourteen (14) calendar days from the date of the Image transmission (such period the "Retention Period"). During the Retention Period, you shall take appropriate security measures to ensure that: (a) only authorized persons shall have access to original Checks, (b) the information contained on such Checks shall not be disclosed, (c) such Checks will not be duplicated or scanned more than one time and (d) such Checks will not be deposited or negotiated in any form. Upon expiration of the Retention Period, you shall destroy the original Check you transmitted as an Image using commercially reasonable methods of destruction that will result in the paper based Item being unprocessable and all sensitive personal and financial information undecipherable. You hereby indemnify Bank for, and hold Bank harmless from and against, any and all claims, demands, actions, causes of action, losses and damages, of whatever nature or kind, and regardless of the theory upon which the same is (are) based, caused directly or indirectly by, arising out of, related to, in connection with or resulting wholly or partially from, the destruction of original Checks by you. During the Retention Period, you agree to promptly (but in all events within 5 business days) provide the original Check to the Bank upon request.

13. Deposit Limits. We may establish limits on the dollar amount and/or number of Check Images or Mobile Deposits from time to time. If you attempt to initiate a Mobile Deposit in excess of these limits, we may reject your Mobile Deposit. If we permit you to make a Mobile Deposit in excess of these limits, such Mobile Deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a Mobile Deposit at other times. The current daily dollar limit is $1,500 per business day with daily Images transmitted not to exceed five (5) Images per business day. Bank reserves the right to change the limits. Any such change shall be effective immediately and may be implemented prior to your receipt of notice thereof. You may contact Bank at any time to verify the current limits.

14. Return of Checks and Chargebacks. If any Check deposited by you is dishonored or otherwise returned unpaid by the drawee bank, or returned by a clearing agent for any reason including, but not limited to, issues relating to the quality of the Image, you understand and agree that since you either maintain the original Check or have destroyed the original Check in accordance with Section 12 of this Agreement, the original Check will not be returned and that Bank may chargeback an image of the Check to your account. You further understand and agree the image may be in the form of an electronic or paper reproduction of the original Check or a substitute check. Unless otherwise instructed by the Bank, you agree not to deposit the original Check if an Image or other debit as previously described is charged back to your account. We further reserve the right to chargeback to your account at any time; any Check we subsequently determined was a Prohibited Check. You agree the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of a Prohibited Check.

15. Errors of Checks Deposited. You agree to notify the Bank of any suspected errors regarding Checks deposited through this Service right away, and in no event later than thirty (30) days after the applicable Bank account statement is sent. Unless you notify the Bank within thirty (30) days, such statement regarding all Mobile Deposits made through the Service shall be deemed correct, and you are prohibited from bringing a claim against the Bank for such alleged error.

16. Update Notice. You shall provide written notice to Bank of any changes to the information previously provided by you to Bank. Such notice must be received by Bank within five (5) business days of the change. You shall provide any additional information requested by Bank within five (5) days of such request. Bank retains the right to: (i) review your Checks, Mobile Deposits and activities from time to time and (ii) re-price or terminate the Service based on changes to information you previously provided to Bank.

17. Bank's Duties and Responsibilities. Bank's duties and responsibilities are limited to those described in this Agreement, the Deposit Account Agreement, and any other agreements governing the accounts. Bank will use commercially reasonable care in performing its responsibilities under this Agreement. You agree to monitor your account balances and charges, to promptly notify Bank if any periodic statement conflicts with your records, and to refrain from acting on information you have reason to believe is erroneous. In all instances, the Bank's and, if the services of a third party provider are utilized in the provision of the Service, such third party's sole liability to you shall be limited to the correction of any errors made. Bank shall not be responsible for suspension of performance of all or any of its obligations, responsibilities or covenants hereunder, whether expressed or implied, if at any time, or from time to time, compliance therewith is prevented or hindered by, or are in conflict with, any federal or state law, regulation or rule, the order of any court of competent jurisdiction, any act of God or of the public enemy, war, epidemic, strike, or work stoppages of the U.S. Postal Service and commercial carrier(s), or electric power disruption or shortage, telecommunications failure or computer failures; acts, omissions or errors of any carrier and/or agent operating between you and Bank or Bank and any Federal Reserve Bank or other agency utilized to exercise transfers or any recipients of transferred funds; any incorrect, unauthorized or fraudulent use or other fraud by any person other than Bank's employees; or, without limiting the generality of the foregoing, any other cause or circumstance beyond Bank's control or other conditions or circumstances not wholly controlled by Bank, which would prohibit, retard or otherwise affect Bank's complete or partial performance under this Agreement.

18. Contingency Plan. You agree that, in the event you are not able to capture, process, produce or transmit a Mobile Deposit to Bank, or otherwise comply with the terms hereof or of the Procedures, for any reason, including, but not limited to, communications, equipment or software outages, interruptions or failures, you will deposit the original Checks in a manner consistent with other methods for making deposits provided by Bank (such as in transport the originals of all Checks to the closest office of Bank or ATM and deposit original Checks with Bank or in the ATM, or mail the Checks to the Bank) until such time that the outage, interruption or failure is identified and resolved. You hereby acknowledge and agree that Bank shall not be liable to you for any loss or damage of any nature sustained by you as the result of your inability to use the Service. The deposit of original Checks at an office of Bank or in an ATM shall be governed by the terms and conditions of the Person Deposit Account Agreement and not by the terms of this Agreement.

19. Financial Information. Bank may from time to time request information from you in order to evaluate a continuation of the Service to be provided by Bank hereunder and/or adjustment of any limits set by this Agreement. You agree to provide the requested financial information immediately upon request by Bank, in the form required by Bank. You authorize Bank to investigate or reinvestigate at any time any information provided by you in connection with this Agreement or the Service and to request reports from credit bureaus and reporting agencies for such purpose. If you refuse to provide the requested financial information, or if Bank concludes, in its sole discretion, that your credit risk is unacceptable, or if you refuse to give Bank access to your premises, Bank may terminate the Service according to the provisions hereof.

20. Confidential Information. All information of a personal or business nature relating to the assets, liabilities or other business affairs disclosed to Bank by you in connection with this Agreement is confidential. Except as allowed by applicable law, Bank shall not disclose or permit access to any such information by any person, firm or corporation. Bank shall cause its officers, employees and agents to take such action as shall be reasonably necessary to preserve and protect the confidentiality of such information, by disclosing such information only to persons needing to have access thereto for the performance of the Bank's obligations under this Agreement or to any other party to which Bank may be required by law to report such information. You agree to hold confidential, and to use only in connection with the Service, all information furnished to you by Bank or by third parties from whom Bank has secured the right to use the Service, including, but not limited to, Bank's product and service pricing structure, system design, programming techniques or other unique techniques. In addition, should you at any time receive or acquire any information relating to another customer of Bank, you shall promptly return such information to Bank and not reveal such information to any other party and shall not make use of such information for its own benefit or otherwise. Banks and your obligations and agreements under this paragraph shall not apply to any information supplied that was known to either party prior to the disclosure by the other, is or becomes generally available to the public other than by breach of this Agreement or otherwise becomes lawfully available on a non-¬confidential basis from a third party who is not under an obligation of confidence to either party. Notwithstanding anything to the contrary contained herein, it is understood and agreed by the parties hereto that the performance of the Service is or might be subject to regulation and examination by authorized representatives of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation and/or a State regulatory agency, and you agree to the release of by Bank your reports, information, assurances and other data and information as may be required under applicable laws and regulations. This clause shall survive the termination of the Agreement.

21. User Warranties. You warrant to Bank that:

•   You will only deposit Checks that are authorized by this Agreement, the Procedures and the Deposit Account Agreement governing your account.

•   You will not (i) create duplicate Images of the Checks, (ii) transmit a duplicate Image to Bank, or (iii) deposit or otherwise negotiate the original of any Check of which an Image was created. You further warrant that no subsequent transferee, including but not limited to Bank, a collecting or returning bank, drawer, drawee, payee or endorser, will be asked to pay the original Check from which the Image(s) was created or a duplication (whether paper or electronic, including ACH entries) of the Check(s).

•   No subsequent transferees of the Image(s), including but not limited to Bank, a collecting or returning bank, drawer, drawee, payee or endorser, shall sustain a loss as the result of the fact that the Image was presented for payment or returned instead of the original Check.

•   Each Image you transmit to Bank contains an accurate representation of the front and the back of each Check and complies with the requirements of this Agreement.

•   All data and other information you provide to the Bank, including, but not limited to, data contained in the MICR line of each Check is complete, accurate and true and complies with the requirements of this Agreement.

•   You will comply with this Agreement and all applicable rules, laws and regulations.

•   You are not aware of any factor which may impair the collectability of the Check.

•   This Agreement is valid and enforceable against you in accordance with its terms, and the entry into, and performance of this Agreement by you will not violate any law, or conflict with any other agreement, to which you are subject.

•   There is no action, suit, or proceeding pending or, to your knowledge, threatened, which if decided adversely, would affect your financial condition or operations.

•   All Checks and your transactions are, and will be, bona fide. All signatures on Checks are authentic and authorized.

•   You agree to indemnify and hold harmless Bank from and against any and all claims, losses, liabilities, costs, and expenses (including, without limitation, reasonable attorneys' fees) arising from a breach of any of your warranties, representations and/or obligations under this Agreement or any other agreement between you and Bank, including, but not limited to, Bank's Terms and Conditions governing your account. The terms of this paragraph shall survive the termination of this Agreement.

22. Cooperation with Investigations. You agree to cooperate with the Bank in the investigation of unusual transactions, poor quality transmission, and resolution of client claims, including by providing, upon request and without further cost, any originals or copies of Checks deposited through the Service in your possession and your records relating to such Checks and transmissions.

23. Termination. We may terminate this Agreement at any time for any reason. This Agreement shall remain in full force and effect unless and until it is terminated by the Bank. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use this Service for any unauthorized or illegal purposes of you use the Service in a manner inconsistent with the terms of the Deposit Account Agreement, or any other agreement with us. Sections 5, 7, 10, 12, 14, 15, 20, 23, 27, 28, and 29 shall survive termination of this Agreement

24. Enforceability. We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

25. Ownership and License. You agree the Bank retains all ownership and proprietary rights in this Service, associated content, technology, and website(s), including, but not limited to, the object and source codes therefore, and any and all updates, upgrades, fixes and enhancements thereto and any and all documentation, user guides and instructions pertaining thereto. Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to the Bank's business interest, or (iii) to the Bank's actual or potential economic disadvantage in any aspect. You may use this Service only for the purpose intended in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer, reverse compile, or create derivative works from any of the technology used to provide this Service.

26. Other Terms. You may not assign this Agreement. This Agreement shall be governed by the laws of the State of Tennessee and of the United States. The captions and headings contained in this Agreement are for convenience of reference only and shall not be used to limit the applicability or meaning of any provisions of this Agreement. This Agreement constitutes the entire statement of the terms and conditions that apply to the subject matter hereof. This Agreement supersedes any prior agreements between the parties relating to the Service.

27. Indemnification and Liability; Third Party Claims. You hereby indemnify Bank and each of its parents, subsidiaries and affiliates and their respective officers, directors, employees, members, partners, agents, insurers and attorneys (each an "Indemnified Party" and, collectively, the "Indemnified Parties") for, and hold each of the Indemnified Parties harmless from and against, all actions, causes of action, claims, damages, liabilities and expenses (including reasonable attorneys' fees) of any nature or kind (including those by third parties) arising out of, or related to, this Agreement, including all actions, causes of action, claims, damages, liabilities and expenses arising out of, related to or resulting from: (a) your (i) failure to report required changes, (ii) transmission of incorrect data to Bank or (iii) failure to maintain compliance with the Rules, (b) (i) Bank's provision of the Service, and/or (ii) Bank's action or inaction in accordance with, or in reliance upon, any instructions or information received from any person Bank reasonably believes to be you, (c) your breach of any of your representations, warranties, covenants or other agreements or responsibilities under this Agreement and/or (d) your breach or violation of any Rules; provided, however, you are not obligated to indemnify Bank for any damages solely and proximately caused by Bank's gross negligence or willful misconduct.

28. LIMITATION OF LIABILITY. IN ADDITION TO THE LIMITATION OF LIABILITIES SET FORTH IN SECTION A OF THIS AGREEMENT, TO THE FULLEST EXTENT ALLOWED BY LAW, BANK'S LIABILITY TO YOU UNDER THIS AGREEMENT SHALL BE LIMITED TO CORRECTING ERRORS RESULTING FROM BANK'S FAILURE TO EXERCISE ORDINARY CARE.

Zelle Network® Standard Terms

1. Description of Services
a. The Zelle Network® (“Zelle®”) is a convenient way to send and receive money with others you trust. Zelle enables you to send and receive money with customers who are enrolled with us or with another financial institution that partners with Zelle (each, a "User") using aliases, such as email addresses, mobile phone numbers, or other unique identifiers (the "Service"). We will refer to financial institutions that have partnered with Zelle as “Network Financial Institutions.”

b. Zelle provides no deposit account or other financial services. Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transferred by a Network Financial Institution.

c. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

2. Eligibility and User Profile

When you enroll to use the Service you agree to the terms and conditions of this Mobile Banking Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account.

You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. Zelle and we reserve the right to terminate, suspend, or limit your access to or use of the Service at any time and without prior notice, including for reasons involving your use of the Service at any Network Financial Institution which may be deemed to be illegal, improper, brand damaging or potentially exposing us, Zelle, or the financial system to risk.

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose.

Content Standards: You agree that you will not use the Service in any way, or upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material, that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) in Zelle or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle or our respective affiliates or customers to harm or liability of any nature.

Although neither we nor Zelle® have any obligation to monitor any content, both we and Zelle have absolute discretion to remove content at any time and for any reason without notice. We and Zelle may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service, you may be exposed to content that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any content, including any loss or damage to any of your content. We and Zelle make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Service.

The Service may include functionality for you to use a unique alpha-numeric identifier to your registered User profile to be used in lieu of your mobile phone number or email address when sending, receiving, or requesting money, which will be your Zelle tag. Each Zelle tag must have an eligible U.S. mobile phone number associated with it and there will be a limit on the number of Zelle tags you may use. Your Zelle tag must meet the Content Standards. You may not select a Zelle tag that misleads or deceives other Users of the Service as to your identity, or otherwise. Although neither we nor Zelle have any obligation to monitor User Zelle tags, both we and Zelle have absolute discretion to remove a User Zelle tag at any time and for any reason without notice. We and Zelle may require you to change your Zelle tag in our sole discretion, and we may elect to make a Zelle tag unavailable to you, without any liability to you. We and Zelle may also monitor User Zelle tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service, you may be exposed to a Zelle tag that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any User Zelle tags, including any loss or damage caused thereby. We and Zelle make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Service. We respect the intellectual property of others and require that users of the Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish content on the Service that is subject to intellectual property rights claims.

3. Consent to Use and Disclose Personal Information (Including Account Information)

You expressly consent and hereby authorize the bank to exchange information with Zelle, Network Banks and others for the purpose of processing payment transactions in accordance with the banks processes and procedures and determined necessary in the banks discretion for use of the service. You can access our Privacy Policy, which is incorporated into and made part of this agreement, by going to our website at www.firstcnb.com.

4. Privacy and Information Security

We make security and the protection of your information a top priority. You can access our Privacy Policy at www.firstcnb.com, which is incorporated into and made a part of this Mobile Banking Agreement by this reference.

5. Wireless Operator Data

We or Zelle® may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Zelle or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

6. Enrolling for the Service

a. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and/or a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers).  You may not enroll in the Service with a landline phone number, toll-free number, Google Voice number, or Voice over Internet Protocol.

b. Once enrolled, you may:

i. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and

ii. receive money from another User either at that User’s initiation or at your request, subject to the conditions of the Section below titled “Requesting Money”.

c. If at any time while you are enrolled, you do not send or receive money using the Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the

U.S. mobile phone number or email address that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number or email address, or we receive information that you are not the owner of the mobile number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.

d. Once enrolled, a Z logo will appear on your profile for each U.S. mobile number and/or email address that you have enrolled with Zelle. The Z logo will be displayed to other Users to aid them in determining which of your U.S mobile numbers or email addresses should be used to send money with Zelle. If a User sends you money using a different U.S. mobile number or email address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how to enroll it with Zelle.

e. If you enroll for the Service and select to use a Zelle tag, the mobile phone number associated with your User profile will be used as the contact method for communication related to the Service and must meet the requirements described herein.

7. Consent to Emails and Automated Text Messages

By participating as a User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle tag, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number, Zelle tag and/or other alias to send or receive money as described in this agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Financial Institutions or their agents regarding the Services or related transfers between Network Financial Institutions and you. You agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree:

a, You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.

b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you.

c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name.

d.  Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf.

e. To cancel text messaging from us, send STOP to 20736. For help or information regarding text messaging, send HELP to 20736 or contact our customer service at 1-800-321-3176. You expressly consent to receipt of a text message to confirm your “STOP” request.

f.  Supported Carriers most of the popular carriers.

8. Receiving Money; Money Transfers by Network Financial Institutions

Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle tag enrolled with the Service, you have no ability to stop the transfer. By using the Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled.

Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle, the other Network Financial Institutions and other Zelle users, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. We or Zelle may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we or Zelle delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, push notification).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment.

We have no control over the actions of other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer of money to you.

9. Sending Money; Debits by Network Financial Institutions

You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this [Agreement], and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your bank account. You understand that when you send the payment, you will have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Service with the email address or U.S. mobile number to which you initiated the payment. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked. We therefore recommend that you use the Service to send money only to people you know and trust.

In most cases, when you are sending money to another enrolled User, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle, the other Network Financial Institutions, and other Zelle users, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not enrolled as a User with Zelle, they will receive a text or email notification instructing them on how to enroll to receive the money. You understand and acknowledge that a person to whom you are

sending money and who is not enrolling as a User may fail to enroll with Zelle®, or otherwise ignore the payment notification, and the transfer may not occur.

The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we or Zelle delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e., email, push notification).

Neither we nor Zelle have control over the actions of other Users or other Network Financial Institutions that could delay or prevent your money from being delivered to the intended User.

10. Liability

Neither we nor Zelle shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service.

THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

You agree to immediately notify us of any error on your account or through the service and as set forth in Section A, paragraph 34 of this agreement (error resolution).

11. Send Limits

Standard - $600 per transaction $900 daily

Increased $1100 per transaction $1650 daily

Top Tier $2000 per transaction $3000 daily

12. Requesting Money

You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we nor Zelle accept responsibility if the other User rejects or ignores your request or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle may decide, in our discretion, that we will not send a reminder or repeat request to that User.

By accepting this agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.

You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

13. Transaction Errors

You agree to immediately notify us of any errors on your account or through the service as set forth in Section A, paragraph 34 of this agreement (Error Resolution).

14. Your Liability for Unauthorized Transfers

IN ADDITION TO THE LIMITATION OF LIABILITY SET FORTH IN SECTION A OF THIS AGREEMENT, NEITHER WE NOR ZELLE SHALL HAVE LIABILITY TO YOU FOR ANY TRANSFERS OF MONEY UNDER THE SERVICE, INCLUDING WITHOUT LIMITATION, (1) ANY FAILURE, THROUGH NO FAULT OF US OR ZELLE TO COMPLETE A TRANSACTION IN THE CORRECT AMOUNT, OR (2) ANY RELATED LOSES OR DAMAGES.  NEITHER WE NOR ZELLE SHALL BE LIABLE FOR ANY TYPOS OR KEYSTROKE ERRORS THAT YOU MAY MAKE WHEN USING

15. Liability for Failure to Complete Transfers

IN ADDITION TO THE LIMITATION OF LIABILITY SET FORTH IN SECTION A OF THIS AGREEMENT, NEITHER WE NOR ZELLE SHALL HAVE LIABILITY TO YOU FOR ANY TRANSFERS OF MONEY UNDER THE SERVICE, INCLUDING WITHOUT LIMITATION, (1) ANY FAILURE, THROUGH NO FAULT OF US OR ZELLE TO COMPLETE A TRANSACTION IN THE CORRECT AMOUNT, OR (2) ANY RELATED LOSES OR DAMAGES.  NEITHER WE NOR ZELLE SHALL BE LIABLE FOR ANY TYPOS OR KEYSTROKE ERRORS THAT YOU MAY MAKE WHEN USING

16. Fees

There are currently no fees for sending or receiving a transfer under the Zelle Service.

17. Use of Our On-line Banking Website and/or Mobile App

You agree to access this website and/or mobile app in compliance with our Terms and Agreements, which are available at Online Mobile Banking - First Citizens National Bank and incorporated into and made part of this Mobile Banking Agreement  by this reference.

18. Cancellation of the Service

If at any time while you are enrolled, you do not send or receive money using the Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile number or email address that you enrolled still belongs to you.  If we are unable to confirm that you are the owner of the mobile phone number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the service until you enroll again.

19. Right to Terminate Access

Either Bank or Zelle may terminate your access to the service at any time, with or without notice, and at the sole discretion of the Bank or Zelle.

     

20. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR ZELLE® MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. WE AND ZELLE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. NEITHER WE NOR ZELLE WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

21. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANICAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF ZELLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE ZELLE® SERVICE OR WITH

THE TERMS OF THIS [AGREEMENT], YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK FINANCIAL INSTITUTIONS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

22. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in this Mobile Banking Agreement, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of the terms of this agreement.

23. Governing Law; Choice of Law; Severability

These terms and conditions of this Agreement shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions and without regard to your state of residence.

24. Miscellaneous

Subject to the terms of this Mobile Banking Agreement, the Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond the control of us or Zelle. Live customer service generally will be available Monday through Friday, excluding US bank holidays.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

 To the extent Participant’s agreement with its customers includes a pre-dispute arbitration and class action waiver provision, Participant shall ensure that Zelle and Early Warning Services, LLC are expressly identified as third-party beneficiaries of any such provision. For example, “You acknowledge and agree that for any claims or disputes you assert against Zelle and Early Warning Services, LLC, Zelle and Early Warning Services, LLC are entitled to enforce this provision against you.”]

REVISION DATE: 4/24/2025

 

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