Registration - Online Banking Agreement

Welcome to First National Bank?s Internet Banking

This Internet Banking Agreement and Disclosure (the ?Agreement?) discusses how you can use First National Bank?s Internet Banking (the ?Service?) to obtain information about your accounts, to transfer funds between your accounts, and to request certain other bank services. It also contains the terms and conditions governing the Service.

If you previously registered for First National Bank?s Internet Banking, this version of the Agreement replaces the agreement that you had with us. If you continue to use the Service, you are bound by these terms. Under this updated Agreement, corporate customers can us the Service to transfer funds between their First National Bank accounts. (Commercial customers can use the Service to transfer funds between accounts if they have the appropriate agreement on file. See Registration ? Business Accounts, below). IF YOU ARE A CORPORATE CUSTOMER AND DO NOT WISH TO HAVE THE ABILITY TO TRANSFER FUNDS BETWEEN ACCOUNTS USING FIRST NATIONAL BANK?S INTERNET BANKING, PLEASE CALL US AT 1-888-803-2672, AND WE WILL REMOVE THAT FUNCTION FROM YOUR SERVICE.

If you use First National Bank?s Internet Banking, you thereby indicate your consent to these terms. You may print a copy of this Agreement for your records now, or you can refer to this document in the ?Other? section later at your convenience.

SECURITY & PROTECTING YOUR ACCOUNT

First National Bank is strongly committed to protecting the security and confidentiality of our customer account information. First National Bank uses state-or-the-art technology in the ongoing development of its Internet Banking service to ensure this security. We use several different methods to protect your account information:

  • You can only access First National Bank?s Internet Banking with certain browsers that have a high security standard.
  • You must have a valid User ID and Password to logon.
  • If no action is taken for 10 minutes, you will be automatically logged off First National Bank?s Internet Banking.

YOUR RESPONSIBILITY:

You agree . . . .

  • Not to give out your identifying information such as your PC password to any other person. The Bank may rely on your User ID to identify you when providing banking services to you.
  • Never to leave your account information displayed in an area accessible by others.
  • Never to leave your PC unattended while using First National Bank?s Internet Banking.
  • To always exit the system by clicking on LOG OFF or EXIT after using First National Bank?s Internet Banking.
  • To notify First National Bank at 1-888-803-2672 immediately if you suspect that your User ID or Password has become known to any unauthorized person.

FIRST NATIONAL BANK?S INTERNET BANKING E-MAIL COMMUNICATIONS :

Electronic messages sent and received via the ?Contact Us? option in First National Bank?s Internet Banking (i.e., once your User ID and Password have been accepted by First National Bank and your browser shows that a secure connection as been established) are secure. Communications sent over the public Internet are not necessarily secure. Therefore, we will not send, and we strongly suggest that you do not send, any confidential account information unless using the electronic communication options provided in our Customer Service section. You agree that we may take a reasonable time to act on any e-mail. Correspondence that requires expeditious handling - -for example, if you need to report an unauthorized transaction from one of your accounts, or if you need to immediately stop payment on a check you have issued, should be made by calling the Bank. (The toll-free number for the Customer Service Center is listed on the Information page.) You agree that First National Bank may send you electronic messages about other products or services we offer.

REGISTRATION:

Business Accounts

First National Bank business account customers must first contact the Bank and enroll in First National Bank?s Internet Banking Services. If your business has previously received a User ID, your representative may enter it to register for First National Bank?s Internet Banking.

Accounts you want to link to a User ID, and what activity level each account linked to your User ID will have: There are some limits on the accounts that can be linked to your User ID. The person you appoint as your User ID Administrator will decide which of your accounts to link to each User ID and what activity level is appropriate for each account linked to the User ID.

Activity Levels for Accounts Linked to your User ID: There are different activity levels that can be assigned to a User ID. All available accounts will have at least the Account Summary level. Only checking, money market deposit accounts, credit card and loan accounts may also have the second activity level. At the present time, the activity levels are:

1) Account Inquiry: This activity level will allow you to obtain current account balance and transaction information. This activity level does not include transferring funds.

2) Transferring Funds: This activity level allows you to obtain account information, to transfer funds between accounts linked to the User ID, and to obtain certain other banking services. Each checking, money market, credit card and loan account linked to your User ID will have this activity level unless you choose otherwise.

FUNDS TRANSFER SERVICE

If you are a consumer, and you have a User ID and Password from us, you will be able to transfer funds between your First National Bank accounts. If you do not want to have the ability to funds transfer between accounts using First National Bank?s Internet Banking, or if you want to restrict the accounts from which you can transfer funds using your User ID and Password, call us at (888) 803-2672 and we will make the necessary adjustments to this service for you.

Commercial customers must have a User ID linked to the account with at least a Funds Transfer activity level to be able to transfer funds between accounts.

The terms that apply to the Funds Transfer Service are set forth more fully below.

ONLINE BANKING FUNDS TRANSFER PROVISIONS

As a First National Bank?s Internet Banking customer, you can make immediate transfers between your First National Bank deposit accounts over the Internet. All such transfers are subject to the terms of these Online Banking Funds Transfer Provisions (the ?Transfer Provisions?).

By using the Funds Transfer Service (the ?Service?), you agree to these Transfer Provisions.

  1. General Information
  1. Meaning of Terms. As used in the Transfer Provisions, the following words have the meanings given below. ?You? and ?your(s)? refer to each person (including any business) who applies to use the Service, and each person who uses the Service with the permission of an applicant. ?Business? means any corporation, partnership, limited liability company, sole proprietorship or any other type of entity maintaining a deposit account for commercial purposes. ?We,? ?us,? ?our(s),? ?First National Bank,? or ?Bank? refer to the First National Bank depository institution (such as First National Bank of Las Animas) that holds an account that is accessed by the Service. ?Business Day? means Monday through Friday, except banking holidays.
  1. Which Sections of These Provision Apply to Consumer and Business Customers. Exclusion. When using the Service in connection with accounts established primarily for personal, family, or household purposes (?consumer? or ?personal? accounts), Sections 1, and 2, (but not Section 3) of these Transfer Provisions apply to you. When using the Service in connection with accounts established primarily for business purposes, Sections 1, 2, and 3 of these Transfer Provisions apply to you.
  1. Authorization to Charge Accounts. You are responsible for all transfers you or your authorized representatives make using the Service. You authorize us to debit your designated account(s) for any transactions accomplished through the use of the Service (including the transfer of funds from another deposit account or overdraft line of credit that provides overdraft protection, if you have one of those services in effect). You agree that we may comply with transfer instructions entered by any one person using an authorized User ID and Password, notwithstanding any provision that may be contained in other account documentation purporting to require more than one signature to withdraw funds from the account.

If you permit another person to use First National Bank?s Internet Banking or give them your User ID or Password, you are responsible for transfers, payments or advances that person makes from the deposit and credit accounts linked to your Service registration even if that person exceeds your authorization.

  1. Schedule of Fees For the Funds Transfer Service. Fees applicable to the funds

Transfer service are disclosed under Charges and Fees below.

  1. Internet Banking Funds Transfer Service Particulars.

a. Types of Transfers & Posting. You can transfer funds between your Checking and Savings accounts using First National Bank?s Internet Banking. All such transfers are effective when you complete the transaction online.

b. Limits On Transactions. There is a maximum dollar limit on any transfer equal to the available balance in your account plus the available balance or credit balance in any other account attached to provide overdraft protection.

c. Availability. Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

d. Restrictions on Transfers from Savings and Money Market Accounts. Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may make no more than six transfers or withdrawals out of such an account per monthly statement cycle (not counting transactions made at ATMs or at banking centers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market accounts to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals.

e. Insufficient Funds to Complete Transfer. If you account does not have sufficient funds to complete a transfer as of the date the transfer is scheduled to be made, the transfer may not be completed, but if we do complete the transfer as an accommodation to you, you are responsible for any overdraft created.

f. Correcting or Canceling Your Transfer. You cannot cancel your transfer after it has been entered in First National Bank?s Internet Banking and the information transmitted to us. You can correct information about a transfer before you send us the information, and you can use First National Bank?s Internet Banking to reverse a transaction after it has been entered.

g. Documentation and Verification of Transfers. The date and amount of transfers made through First National Bank?s Internet Banking will be shown on the Transaction History screen of First National Bank and will also be shown on your printed statements for the accounts from which and to which the transfer is made.

h. Address and Telephone Number For Notification of Unauthorized Use. If you believe your User ID or Password has become known by an unauthorized person, or that someone has transferred money without your permission, call First National Bank immediately at: (888) 803-2672 or write to: First National Bank, PO Box 270, Las Animas, CO 81054. If you suggest that an unauthorized transfer may have occurred, we may require you to sign an affidavit.

Also contact us with any other questions or problems that you may have regarding the Service, including:

* You have a problem with a transfer you authorized, or your statement reflects a transfer you think is an error.

* You need to obtain documentation concerning a transfer previously issued from

your account. (There may be a fee for these requests, as disclosed in the

Schedule of Fees at the end of this Agreement).

i. Disclosure of Account Information. We may disclose information to third parties about your account or the payments or transfers you make:

* When necessary for verifying or completing payments or transfers, or to resolve a problem related to a payment or transfer;

* To very the existence and status of your account for a third party such as a credit bureau or merchant;

* At the Bank?s discretion, to any of our subsidiaries or affiliates;

* If you give us your written (including electronic message) permission; or

*As otherwise permitted or required in the Bank?s Deposit Agreement and Disclosures or other applicable agreements, or by law or government regulations.

3. Additional Provisions Applicable Only to Business Accounts. When you transfer funds using First National Bank?s Internet Banking in connection with business accounts, the information in this Section 3 applies to you.

a. Enrollment Form and Certification of Authority. Before using the Service, you must execute and deliver to us a User Identifier Enrollment Form, which includes a Certification of Authority. This enrollment form is incorporated by reference as part of this Agreement. Only a person whose User ID has a ?Transfer Funds? activity level may sign up for the First National Bank?s Internet Banking Funds Transfer Service.

b. Protecting Your User ID and Password. You agree that we may send confidential mailings, including User ID and Password confirmations, to the current address shown in our records for your primary checking accounts, whether or not that address includes a designation for delivery to the attention of any particular individual; and you further agree that First National Bank will not be responsible or liable to you in any way in the event that such properly addressed information is intercepted by an unauthorized person, either in transit or at your place of business.

You agree to:

(1) Keep your User ID and Password secure and strictly confidential, providing them only to authorized signers on your account (s) or other trusted employees, agents, etc. who you want to act as your representative to access your account (s);

(2) Instruct each person to whom you give your User ID and Password that he or she is not to disclose them to any unauthorized person; and

(3) Immediately notify us and select a new User ID and Password if you believe your confidential codes may have become known to an unauthorized person.

The Bank shall have no liability to you for any unauthorized payment or transfer made using your User ID and Password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We reserve the right to suspend or cancel your User ID and Password, even without receiving such notice from you, if we suspect they are being used in an unauthorized or fraudulent manner.

c. Your obligation to Examine Records and Report Discrepancies. The Bank provides no separate written confirmation of individual payments or transfers. Confirmation is provided through online information available from the Service and through your periodic printed account statements. You agree to examine your statement promptly and to notify us immediately of any discrepancy between the statement and your other account records. You also agree to notify us immediately of any discrepancy you may find in reviewing online information. In no event shall the Bank be liable for interest compensation as described below, unless we are notified of a discrepancy within 30 days from the date of your first statement reflecting the discrepancy.

d. Acknowledgement of Commercially Reasonable Security Procedures. By using the Service, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions which are commercially reasonable. You agree to be bound by any instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we have had a reasonable opportunity to act on such notice).

e. Limitation of Bank?s Liability. If we fail or delay in making a payment or transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous amount which is less than the amount per your instructions, unless otherwise required by law our liability shall be limited to interest on the amount which we failed to timely pay or transfer, calculated from the date on which the payment or transfer was to be made until the date it was actually made or you canceled the instructions. We may pay such interest either to you or the intended recipient of the payment or transfer, but in no event shall we be liable to both parties, and our payment to either party shall fully discharge any obligation to the other. If we make a payment or transfer in an erroneous amount which exceeds the amount per your instructions, or if we permit an unauthorized payment or transfer after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law our liability shall be limited to a refund of the amount erroneously paid or transferred, plus interest thereon from the date of the payment or transfer to the date of the refund, but in no event to exceed 60 days? interest. If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district where the Bank is headquartered for each day interest is due, computed on the basis of a 360-day year.

Unless otherwise required by law, in no event will the Bank be liable to you for special, indirect or consequential damages including, without limitation, lost profits or attorneys? fees, even if we are advised in advance of the possibility of such damages.

MISCELLANEOUS PROVISIONS RELATED AGREEMENTS

Your First National Bank accounts accessed by First National Bank?s Internet Banking continue to be governed by the following First National Bank agreements and documents, as they are amended from time to time:

(1) Deposit Agreement and Disclosure

(2) The Applicable Personal or Business Schedule of Fees

(3) Applicable Miscellaneous Fees for personal or business accounts, and for Money Market Accounts, your Money Market Account Customer Agreement. If you have overdraft protection or credit card accounts that are accessed by the Service, they continue to be governed by the applicable agreements you have with First National Bank. If any inconsistency exists between such other documentation and this Agreement, then this Agreement shall control to the extent of the inconsistency.

OUR ABILITY TO TERMINATE SERVICES

You are responsible for complying with all the terms of this Agreement and with the terms of the agreements governing the accounts to or from which transfers are made using the Service. We can terminate your electronic banking privileges under this Agreement without notice to you if you do not pay any fee, when due, or if you do not comply with any agreement governing your accounts, or if any such account is not maintained in good standing.

We can also terminate the Service if we believe that an actual or potential unauthorized use of your User ID, Password or account may be occurring.

First National Bank reserves the right to terminate your access to the First National Bank?s Internet Banking Service or any portion of it in its sole discretion, without notice and without limitation, except as may be required by law.

AMENDMENT

We can amend this Agreement upon notice to you, which you agree may be sent by e-mail. Any notice will be effective not later than ten (10) days after we send the notice (unless a law or regulation requires a longer notice period), whether or not you have retrieved the notice by that time.

NEW SERVICES

We may, from time to time, introduce new services that are part of First National Bank?s Internet Banking. We will update this Agreement to notify you of these new services. By using First National Bank?s Internet Banking after those new services become available, you agree to be bound by the terms contained in the revised agreement.

VIRUS PROTECTION

You agree that First National Bank is not responsible for any electronic virus that you may encounter using First National Bank?s Internet Banking. We encourage you to routinely scan your PC and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your programs, files and even your hardware.

OUR LIABILITY

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that First National Bank, nor any of its subsidiaries or affiliates nor any third party service providers engaged by First National Bank to perform any of the services connected with First National Bank?s Internet Banking shall be responsible for any damages, loss, property damage or bodily injury, incurred as a result of your using or attempting to use the First National Bank?s Internet Banking Service, whether caused by the equipment, software, Internet browser providers such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Internet Explorer browser), Internet access providers or online service providers or an agent or subcontractor of any of the foregoing. Nor shall First National Bank or any third party service providers engaged by First National Bank be responsible for any direct, indirect, special or consequential, economic, or other damages arising in any way out of the installation, use or maintenance of the equipment, software, First National Bank?s Internet Banking or Internet browser or access software, or from the unavailability of First National Bank?s Internet Banking or for any errors in information provided through that service.

CHARGES AND FEES

Customer Service requests for which you may be charged by First National Bank include: ordering copies of checks, copies of statements or other requests made through the ?Send a Request? option. These service requests are subject to First National Bank?s normal service charges that were disclosed at account opening and in any subsequent editions of or amendments to your Schedule of Fees brochure. Please refer to the latest version of your Schedule of Fees and Disclosure document and any applicable amendments.

Transfers of funds using First National Bank?s Internet Banking are free except as follows: If you have a Money Market Account, the number of transactions that you are allowed during a monthly statement cycle is limited. Transfers through First National Bank?s Internet Banking are counted, and if you exceed the total number of authorized transactions for those accounts, your account will be charged as stated below.

In Savings accounts, the number of transfers that you are allowed during a monthly statement cycle are limited. Transfers through First National Bank?s Internet Banking are included, and if you exceed the total number of authorized transactions for these accounts, your account may be charged an excessive activity fee. The fees are as follows:

Schedule of Fees:

Excessive activity fees for accounts with transaction limitations:

Regular Savings after nine per quarterly statement cycle, each . . . . $1.00*

*includes withdrawals and transfers at ATMs, teller lines, by telephone, or any other electronic means.

ENTIRE AGREEMENT

This Agreement, as it may be amended from time to time, and if you are a business customer, your User ID, Agreement and Disclosure and the User Identifier Enrollment Form, contain the entire understanding between you and First National Bank concerning the First National Bank Internet Banking service, and supersedes any verbal conversation, other communications, and previous agreements, if any.

YOUR AGREEMENT TO THESE TERMS AND CONDITIONS

Your registration for First National Bank?s Internet Banking confirms (1) your agreement to be bound by all the terms and conditions of this agreement; and (2) your acknowledgement that you received and understand the terms of this Agreement.

FIRST NATIONAL BANK

MOBILE BANKING AGREEMENT AND DISCLOSURE

The Mobile Banking Agreement and Disclosure states the terms and conditions that you agree to by using our Mobile Banking service. This agreement supplements The First National Bank Deposit Account Agreement and Disclosures, Internet Banking Agreement, Bill Pay Agreement and any other agreement between you and The First National Bank.

The terms "you" and "your" refer to any person subscribing to the Mobile Banking service. The terms "We", "us", "our", and "bank" refer to The First National Bank. The term Mobile Banking refers to our service that allows you to access your First National Bank accounts and perform transactions via your mobile device with web browsing/internet capabilities.

The First National Bank Mobile Banking service is offered as a convenience and supplemental service to our Internet Banking services. It is not intended to replace access to Internet Banking from your personal computer or other methods you use for managing your accounts and services with us. First National Bank allows you to access your First National Bank account information, use bill pay, transfer funds between your accounts and conduct other banking transactions. To utilize First National Bank Mobile Banking service, you must be enrolled in Internet Banking and then activate your mobile device inside Internet Banking.

Please read this entire Agreement prior to using First National Bank Mobile Banking Service. By using Mobile Banking, you acknowledge your receipt and understanding of this disclosure and agree to all terms and conditions of this agreement.

Equipment and Technical Requirements

It is your responsibility to acquire the software or equipment necessary to use this banking service. To access First National Bank's Internet Banking and to perform transactions, you must have internet access with a web browser that supports 128-bit encryption. You acknowledge that access to this banking service and the availability of services hereunder is at all time conditional upon the availability of the computer services, software and system used to communicate your instructions and the Bank's responses.

FIRST NATIONAL BANK WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE INCURRED OR SUFFERED BY YOU AS A RESULT, DIRECTLY OR INDIRECTLY, OF ANY FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION OF SUCH SERVICES OR SYSTEM FOR WHATEVER REASON, INCLUDING BUTNOT LIMITED TO THE ACTS OR OMISSIONS OF THE SERVICE OWNER OR ANY THIRD PARTY.

Account Eligibility and Enrollment

Mobile Banking is available to any persons who have subscribed to The First National Bank's Internet Banking Service and has a web-enabled mobile device whose network allows secure SSL traffic.

Available Services

With Mobile Banking you can instantly:

* View Account Balances

* View Loan and CD Accounts

* Make Loan Payments

* View Transaction History

* Transfer Funds Between your First National Bank Accounts

Security

You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using First National Bank Mobile Banking. You agree not to leave your mobile device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. The First National Bank highly recommends using password protection on your mobile device. You are responsible for keeping your Internet Banking ID and password private. Anyone to whom you give this information to will have access to your accounts. You are liable for all transactions that you or anyone to whom you reveal your Internet Banking ID and password perform. If your Internet Banking ID and password have been lost, stolen or compromised, immediately notify First National Bank at 719-456-1512 during business hours of 8:00 a.m. - 5:00 p.m. MST Monday - Friday.

Limits on Mobile Banking Transactions

Transactions conducted via First National Bank Mobile Banking are subject to all withdrawal and transfer limitations and excess activity charges described in The First National Bank Deposit Account Agreements and Disclosures.

Limitations on Frequency of Transfers

Transfers from a money market deposit account to another account or to third parties by preauthorized, automatic, First National Bank Mobile Banking, Internet Banking, or telephone transfers are limited to six per month or statement cycle with no more than six by check, debit card, or similar order to third parties. Preauthorized transfers from a savings deposit account, through an automated clearing house (ACH) or otherwise, telephone transfers, mobile banking, and wire transfers are limited to six per month.

Hours of Accessibility

In general, First National Bank Mobile Banking is accessible 24-hours per day, seven days a week; however, First National Bank does not guarantee the First National Bank Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the First National Bank Mobile Banking service may be unavailable.

Transactions are processed on business days only. Every day is a business day except Saturdays, Sundays, and Federal Holidays. A transfer initiated before 4:00 p.m. MST on a business day is posted to your account the same day. A transfer completed after 4:00 p.m. MST on a business day or on a non-banking day, as specified above, will be posted on the next business day. A bill payment initiated before 2:00 p.m. MST on a business day will be processed on the same day. A bill payment completed after 2:00 p.m. MST on a business day or on a non-banking day, as specified above, will be processed on the next business day.

Termination of Account Access

We reserve the right to terminate the First National Bank Mobile Banking service, in whole or in part, at anytime with or without cause and without prior notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfer that were previously authorized but not yet made. We also reserve the right to temporarily suspend the Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your Internet Banking ID or password as an indication of an attempted security breach. Termination of services does not affect your obligations under this Agreement with respect to occurrences before termination.

Equipment and Software

First National Bank does not guarantee that your mobile device/mobile device service plan will be compatible with our First National Bank Mobile Banking service. You are responsible for understanding the operation and maintenance of your mobile device. First National Bank is not responsible for any errors or problems related to your mobile device, mobile service provider, or mobile internet access. Nor are we responsible for any fees assessed by your telephone company, internet service provider, or any other outside party. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.

Mobile devices with internet capabilities are susceptible to viruses. Customers are responsible for making sure that the mobile device they are using to access First National Bank Mobile Banking is protected from and free of viruses, worms, Trojan horses, or other similar harmful components (collectively, referred to as "viruses"), which could result in damage to programs, files, and/or your device or could result in information being intercepted by a third party. First National Bank will not be responsible or liable for any indirect, incidental, special or consequential damages that may result from such harmful components being present on the mobile device, nor will First National Bank be responsible or liable if sensitive information accessed via our First National Bank Mobile Banking service is intercepted by a third party due to any of the above named "viruses" residing or being contracted by the customer's mobile device at any point or from any source.

We are not responsible for errors or delays or your inability to access the service caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

Electronic Mail (Email)

You may choose to communicate with First National Bank using electronic mail. However, be advised that email transmissions are not secure. We strongly discourage you from sending confidential account information to First National Bank via email. First National Bank is not responsible for any error or problems of any kind involving your email. At no time will any First National Bank employee ask for confidential information over email.

New Services

First National Bank may, periodically, introduce new Mobile Banking services. By using the new services when they become available, you agree to be bound by the terms and conditions concerning these services.

Fees

First National Bank does not charge a fee for this service; however, all other fees associated with your accounts apply. Standard text messaging rates, data rates and other taxes and additional fees from your mobile device service provider may apply when using First National Bank Mobile Banking. Check with your specific mobile device service provider for more information on fees.

Transfers and Error Resolution

Transfers and Error Resolutions are provided in the Electronic Funds Transfer Agreement and Disclosure for Internet Banking. Please refer to the Agreement and Disclosures for complete information and rules regarding these topics.

Conduct

You agree not to use First National Bank Mobile Banking or the content or information delivered through First National Bank Mobile Banking in any way that would be considered illegal.

Indemnification

Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless First National Bank and its officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and cost caused or arising from

(1) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data files, or otherwise in connection with the First National Bank Mobile Banking service;

(2) your violation of any law or rights of a third party; or

(3) your use, or use by a third party of First National Bank Mobile Banking.

Contacting First National Bank

You may contact First National Bank at 719-456-1512 or 888-803-2672 during regular business hours of 8:00 a.m. - 5:00 p.m. MST Monday -Friday. You can also write us at the following address: First National Bank,

PO Box 270
, Las Animas, CO 81054.