Personal and Small Business Online Banking Agreement

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1 13 Personal and Small Business Online Banking Agreement

2 Table of Contents Table of Contents... 2 Online Banking... 3 Bill Payment Mobile Banking Mobile Remote Deposit Capture Page 2 Date Last Revised: 09/19/2013

3 Online Banking Agreement General Terms This Online Banking Agreement and Disclosure Statement explains the terms and conditions governing the use of VISIONBank s Online Banking services (herein referred to as VISION Online ). This Agreement is in addition to other agreements between you and VISIONBank, including the applicable deposit account disclosure agreement(s) and terms and conditions, and our rules and regulations as well as your loan agreements with VISIONBank. You should review the disclosures provided to you when you opened your account(s) with VISIONBank. All electronic communications that meet these requirements will be deemed to be valid and authentic and you intend and agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals or copies, absent proof of tampering or altered data. You may request a paper copy of any of our agreements be sent to you via standard mail by writing or calling us. Our contact information is provided in this agreement. Definitions As used in this agreement, the following words have the meanings given below. Business Days/Hours: The term Business Day shall mean every day excluding Saturdays, Sundays and federal holidays. Our business hours are 7:30 a.m. to 6:00 p.m. Central time, Monday through Friday. Client, You or your is used to refer to each person who applies or is authorized by you to use the Services through VISION Online. Electronic Funds Transfers means ATM withdrawals, preauthorized transactions, point of sale transactions, and transfers to and from your account with us using VISION Online. Eligible Accounts - Each VISIONBank product that you have with us is called an Eligible Account and includes checking accounts, savings accounts, certificates of deposit, retirement accounts, and loans, including lines of credit. You will be able to view and access any accounts for which you are a co-owner or authorized signer. Certain accounts with restricted access will not be allowable as Eligible Accounts. Some Eligible Accounts will be accessible as view only. Accounts that require more than one signature are not an Eligible Account on VISION Online. Please note, under certain circumstances, additional logins may be required in order to access all of your accounts. If you would like an account removed from your Eligible Accounts, please contact us at (701) or (877) Imaging Services can be defined as the ability to view checks that have been posted as well as any other paper items that are posted to the account, including deposit tickets, checks, and withdrawal tickets. Online Banking means our VISION Online services that you access over the Internet by use of a personal computer and modem and/or other means we authorize or allow. We, us, and our are used to refer to VISIONBank, the depository institution that holds one or more accounts accessed by the Service through VISION Online. Access to VISION Online VISIONBank clients can register online; you must complete all required information fields on the enrollment form. You can find the enrollment form at By completing the online Page 3 Date Last Revised: 09/19/2013

4 enrollment form, you authorize us to treat your enrollment form as if it had been in writing and signed by you. If you are enrolling on behalf of a business, by selecting the accept button you certify that you are authorized to enter into this agreement. Once we have received your enrollment form online and verified your account information, we will send you a confirmation by mail of our acceptance of your enrollment along with your Temporary Password. Security and Use of Your Password We are committed to protecting the security and confidentiality of our client s account information. We take measures to protect the confidentiality and security of your account. We use several different methods to ensure this security and to protect your account information: You can only access VISION Online with certain browsers that have a high security standard. Acceptable browsers include Internet Explorer 7 or greater, Apple Safari 4 or greater, Google Chrome, Mozilla Firefox, or Opera, with 128-bit encryption that we may change from time to time. You must have a valid User Code and Password to sign in. Your Password is not displayed on the login screen. If no action is taken for ten (10) minutes, you will automatically be logged off of VISION Online. Your account will be locked out after three (3) invalid sign-on attempts. If this occurs, you may either contact us or select the Forgot Password link to reset your password. Our contact information is provided in this agreement. For security purposes, after entering your User Code and VISIONBank assigned Temporary Password, you will be required to change your Password. The Password will not be communicated to us. Please note you will be required to change your Password periodically for security purposes. You agree to keep your VISION Online Password confidential to prevent unauthorized access and use of your accounts. For security purposes, we recommend that you memorize your Password. If you choose to write it down, store it in a secure place. You agree to assume responsibility for all transactions initiated through VISION Online with your User Code and Password. We have no responsibility for establishing the identity of any person or determining the validity of any transaction received using your User Code and Password. You also agree never to leave your account information displayed in an area accessible to others and to never leave your PC unattended while using VISION Online. If you suspect your Password is lost or in the hands of an unauthorized user, tell us at once. If we reasonably believe your Password has been or may be obtained or is being used or may be used by an unauthorized person(s), we reserve the right to block your access to VISION Online services to maintain or restore security to our website and systems. In addition to your Password, we use additional authentication methods to verify your identity when accessing VISION Online. You will be prompted to view and set some of these authentication methods upon signing in for the first time. We reserve the right to change and enhance our authentication methods, as necessary, to protect your identity and comply with regulatory requirements. Business Online Users Any authorized signatory of your business account(s) has authority to enter into this agreement, access all Eligible Accounts, and utilize all functions provided within this service. Please contact us if you have any questions regarding who is an authorized signer on your account. Each authorized signer will need to complete the enrollment form to establish their User Code and we will assign a Temporary Password. It is the responsibility of each individual authorized signer to maintain security procedures to ensure that their User Code, Password, and security question answers are kept confidential. You agree to assume responsibility for all transactions initiated through VISION Online with your User Code and Password, up to the limits allowed by law. We have no responsibility for establishing the identity of any person or determining the validity of any transaction received using your User Code and Password. Page 4 Date Last Revised: 09/19/2013

5 If any authorized representative of your business is no longer an authorized user of VISION Online, it is your responsibility to contact us and have that individual removed from your accounts. Contact us immediately at VISIONBank if you suspect any unauthorized use. You agree to hold VISIONBank harmless and indemnify us from any claims you otherwise may have against us for any and all acts of any employees or persons you grant access to VISION Online, including those granted access to the accounts if they are not signatories to those accounts. Description of Services Consumer Users: VISIONBank offers the following services on VISION Online to our customers at no cost. Basic services include: Account balances Account history Transfers Loan transactions Credit line advances Export options in a variety of formats Imaging Services estatements Business Users: Each authorized signer on a business account may enroll in VISION Online. Each authorized signer on a business account will be required to use their own social security number to enroll. All businesses will be assessed a one-time set-up fee of $ VISIONBank offers the following services on VISION Online to our customers: Account balances Account history Transfers Loan transactions Credit line advances Export options in a variety of formats Imaging Services estatements All fees are charged to the primary account number indicated on the Enrollment Form on the last day of the calendar month in which the activity(s) occurs, unless otherwise agreed upon by both parties. Funds Transfers between Qualifying Eligible Accounts Upon completing a transfer, you will be provided a confirmation number. Please write down this number when you receive it. It helps us resolve any questions you may have concerning your transactions. Duplicate Transactions: It will be your responsibility to detect duplicate transactions. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. You agree that you will instruct us to make a transfer only when a sufficient balance is or will be available in the designated account at the time of the transfer. You understand that we will not act on any transfer instructions from you if sufficient funds are not available in the account that you designated. Your ability to make transfers from your savings accounts and money market accounts is restricted by Federal Law including Federal Reserve Board Regulation D, as amended. For each of your savings accounts, you are prohibited from making more than six (6) pre-authorized transfers or withdrawals or a combination of such transfers or withdrawals per calendar month. For your money market account, you Page 5 Date Last Revised: 09/19/2013

6 are prohibited from making more than six (6) pre-authorized transfers, checks, withdrawals or a combination of such transfers, checks or withdrawals per calendar month. Pre-authorized transfers include transfers made through VISION Online. Due to restrictions in our online service, you may not be allowed to transfer between Eligible Accounts. Hours of Operation VISION Online is generally available 24 hours a day, 7 days a week. However, we only process transactions and update our information on business days. Our business days are Monday through Friday, excluding federal holidays. A transfer between accounts initiated through VISION Online before 6:00 p.m. Central Time on a business day will be posted to your accounts on the same day. A transfer between accounts initiated through VISION Online after 6:00 p.m. Central Time on a business day will be posted to your accounts on the next business day. Transfers initiated on a Saturday, Sunday, or a federal holiday will be posted on the next business day. Communications between VISIONBank and You You can us at Please note that any message sent using this feature is transmitted via normal and is not encrypted. So, please do not include any confidential information, such as account numbers or details, tax ID numbers, or any other information you want kept confidential. We will not respond to account information related questions sent via Internet . You agree that we may take a reasonable time to act on any within the timeframes noted in state and federal regulations. Telephone You can contact us by telephone at (701) or (877) Facsimile You can contact us by fax at (701) Standard Mail You can write us at: VISIONBank, P.O. Box 10008, th St. S., Fargo, ND In Person You may visit us in person at any one of our locations. Please visit our website for location information (www.visionbanks.com). Correspondence that requires immediate handling, for example, the need to report an unauthorized transaction from one of your accounts or the need to report a lost or stolen Password, should be made by calling VISIONBank Customer Service. Unauthorized Transfers The provisions in this section apply only to electronic fund transfers that debit or credit a consumer s checking or savings accounts and are subject to the Federal Reserve Board s Regulation E and Regulation D, as amended. (a) Consumer liability (please note: this does not apply to business accounts) Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. 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 or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Page 6 Date Last Revised: 09/19/2013

7 Also, if your statement shows transfers that you did not make including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 a hospital stay) kept you from telling us, at our discretion, we may extend the time periods. Additional Limit on Liability for Visa Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Check Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by VISA. (b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this agreement. Our Liability for Failure to Make a Transfer We will complete transfers to or from your account on time according to your properly entered and transmitted instructions. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses and damages. There are certain instances in which we will not be liable. We will not be liable, for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer. If you have an overdraft line and the transfer would go over the credit limit. If your system or equipment or ours was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. If you have supplied us with inaccurate information regarding the transfer. If we have a hold on your account or if a legal order directs us to prohibit withdrawals from the account. If your account is closed, or if it has been frozen. If you, or anyone authorized by you, commits any fraud or violates any law or regulation. If we have a reasonable basis for believing that unauthorized use of your Password has occurred or may be occurring, if you are in default under this agreement with us, if we or you terminate the 6Agreement, or if we have suspended your use of VISION Online. There may be other exceptions stated in this Agreement or other agreements with you. Errors and Questions In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this agreement, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number (if any). Describe the error or the transfer 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 you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. Page 7 Date Last Revised: 09/19/2013

8 We will determine whether an error occurred within ten (10) business days (five (5) business days for point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (five (5) business days if the transfer involved a point-of-sale transaction processed by Visa and 20 business days if the transfer involved a new 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, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the account is opened. We will tell you the results within three 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. Please note that the protections provided in the Errors and Questions section of this Agreement may not apply to business accounts. Please contact us for further information regarding any errors or questions on a business account. Limit of Our Liability We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the VISION Online services provided to you under this Agreement. We do not and cannot warrant that VISION Online will operate without errors, or that all Services will be available and operational at all times. We are not responsible for any direct, indirect, special, incidental or consequential damages arising in any way out of your use of VISION Online provided under this Agreement. Security Procedures By accessing VISION Online, you hereby acknowledge that you will be entering a protected website owned by VISIONBank, which may be used only for authorized purposes. VISIONBank may monitor and audit usage of the system and all persons are hereby notified that use of the services constitutes consent to such monitoring and auditing. Unauthorized attempts to upload information and/or change information on these websites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of Change in Terms and Amendments We may change any term of this Agreement at any time. If the change would result in increased fees for any Online Banking services, increased liability for you, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or electronic funds transfer system. We will post any required notice of the change in terms on our website or forward it to you by or postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Online Banking services indicates your acceptance of the change in terms. Termination This agreement continues in full force and effect until terminated. You may terminate this Agreement and your use of VISION Online services at any time by calling Customer Service at (701) or (877) or by sending a written termination notice to VISIONBank, P.O. Box 10008, th St. S., Fargo, ND You authorize us to complete fund transfers until we have had a reasonable opportunity to act upon your termination notice. Page 8 Date Last Revised: 09/19/2013

9 You agree that we may terminate this Agreement and your use of VISION Online services at any time without cause or prior notice. We reserve the right to temporarily suspend VISION Online 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 Password as an indication of attempted security breach. If your VISION Online account has been inactive for a consecutive 180 day period we may terminate your services. After termination, you may again enroll as long as you have an Eligible Account(s) at VISIONBank. Entire Agreement This Agreement, as it may be amended from time to time, contains the entire understanding between you and VISIONBank concerning VISION Online. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. Governing Law This Agreement and Online Banking services are governed by the laws of the State of North Dakota and applicable federal law, without regard to any different state laws that may govern your Eligible Accounts. Indemnification You, in consideration of being allowed access to VISION Online, agree to indemnify and hold us harmless for any losses or damages resulting from the use of the service, to the extent allowed by applicable law. By using VISION Online, you agree to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of the disclosures contained in this Agreement. Acknowledgement By enrolling and using VISION Online, you acknowledge receipt of this Agreement and the information following that is pertinent to the services you have requested be provided by VISIONBank. You also represent that you have read and examined this entire Online Banking Agreement, that you understand the information provided regarding those services and agree that all listed fees, terms and conditions are approved by you. VISIONBank th Street South P.O. Box Fargo, North Dakota Member FDIC Page 9 Date Last Revised: 09/19/2013

10 Bill Payment Agreement This Bill Payment Agreement (herein referred to as Agreement ) explains the terms and conditions governing the use of VISIONBank s Bill Payment service (herein referred to as Bill Payment ). You may use VISIONBank s Bill Payment service to direct VISIONBank to make payments from your designated account(s) to the Payees you choose in accordance with this Agreement. The terms and conditions of this Agreement are in addition to other agreements between you and VISIONBank, including the applicable deposit account disclosure agreement(s) and terms and conditions, and our rules and regulations as well as your loan agreements with VISIONBank. You should review the disclosures provided to you when you opened your account(s) with VISIONBank. All electronic communications that meet these requirements will be deemed to be valid and authentic and you intend and agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals or copies, absent proof of tampering or altered data. You may request a paper copy of any of our agreements be sent to you via standard mail by writing or calling us. Our contact information is provided above within the Online Banking Agreement. Definitions As used in this Agreement, the following words have the meanings given below. Business Day shall mean every day excluding Saturdays, Sundays and federal holidays. "Payee" means anyone, including VISIONBank, you designate and VISIONBank accepts as a recipient of a bill payment. Process Date is the date you select the funds for a bill payment to be withdrawn from your account and the payment to be processed. We, us, and our are used to refer to VISIONBank, the depository institution that holds one or more accounts accessed by the Bill Payment service. "You" or "your" means each person who is authorized to use the Bill Payment service. How to Set up Payees/Payments To begin using the service, complete Bill Payment enrollment through Online Banking. If you want to add a new payee, use the Add a Payee option under the Payments tab on the Bill Payment website or speak to a service representative. You may add a new payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Bill Payment service. We reserve the right to refuse the designation of a Payee for any reason. Each Payee accepted by us will be assigned a payee code. You may pay any payee you wish in the United States. We are not responsible if a bill payment cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list. The Bill Payment Process Single Payments A single payment will be processed on the Business Day that you designate as the payment s Process Date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time for bill payments is currently 3:00 pm Central time. A single payment submitted after the cut-off time on the designated Process Date will be processed on the following Business Day. If you designate a non- Page 10 Date Last Revised: 09/19/2013

11 Business Day (generally weekends and certain holidays) as the payment s Process Date, the payment will be processed on the first Business Day following the designated Process Date. Recurring Payments When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a Process Date is calculated for the next occurrence of the payment. If the calculated Process Date is a non-business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: If the recurring payment s Pay Before option is selected, the Process Date for the new occurrence of the payment is adjusted to the first Business Day prior to the calculated Process Date. If the recurring payment s Pay After option is selected (or if the Pay Before option is not available), the Process Date for the new occurrence of the payment is adjusted to the first business date after the calculated Process Date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated Process Date, then the last calendar day of that month is used as the calculated Process Date. For Single and Recurring Payments, YOU MUST ALLOW AT LEAST SEVEN (7) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the Business Day prior to the Business Day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to us. We reserve the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in the Account and we have not exercised our right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations. We reserve the right to change the cut-off time. You will receive notice if we make a change to the cut-off time. Payment Methods We reserve the right to select the method in which we remit your bill payment to the Payee. Bill payments may be processed by check or by Electronic Fund Transfer (EFT). Please see the Electronic Fund Transfers Disclosure Statement you received when you opened your account, if applicable, which discloses important information concerning your rights and obligations. Fees VISIONBank s Bill Payment service will be available to qualifying Online Banking customers at no charge for an unlimited number of transactions. While the service is available at no cost, there may be charges for supplemental, requested services as described below. Additional Charges for customer requested Bill Payment Services. These charges will only be assessed if you request one or more of the services listed here. There will be NO Charge for any item if needed to correct a VISIONBank error. - Written Correspondence to Payee: $ Per proof of Payment not necessitated by a dispute: $ Payments returned due to customer error: $ Expedited Payment Fees will include: - Overnight Fee: $ nd Day Fee: $ Reinstate Fee: $ Gift Pay Fees will include: - Gift Check: $ Charitable Donations Fee: $1.99 Page 11 Date Last Revised: 09/19/2013

12 We reserve the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred. Liability You are solely responsible for controlling the safekeeping of, and access to, your Online Banking Password, which is used to access the Bill Payment service. Please refer to the Security and Use of Your Password section of the Online Banking Agreement for further details. You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify us immediately. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. We are not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. We are not liable for any failure to make a bill payment if you fail to promptly notify us after you learn that you have not received credit from a Payee for a bill payment. We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent. In any event, we will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the service, even if we have knowledge of the possibility of them. We are not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond our reasonable control. Change in Terms and Amendments We may change any term of this Agreement at any time. If the change would result in increased fees for any Bill Payment services, increased liability for you, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or electronic funds transfer system. We will post any required notice of the change in terms on our website or forward it to you by or postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject Bill Payment services indicates your acceptance of the change in terms. Termination This agreement continues in full force and effect until terminated. You may terminate this Agreement and your use of our Bill Payment services at any time by calling Customer Service at (701) or (877) or by sending a written termination notice to VISIONBank, P.O. Box 10008, th St. S., Fargo, ND You authorize us to complete any bill payments made before we have had a reasonable opportunity to act upon your termination notice. You remain obligated for any payments made by the us on your behalf. You agree that we may terminate this Agreement and your use of Bill Payment services at any time without cause or prior notice. We reserve the right to temporarily suspend the Bill Payment service 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 Password as an indication of attempted security breach. Page 12 Date Last Revised: 09/19/2013

13 Mobile Banking Agreement I. INTRODUCTION - PARTIES AND DEFINITIONS This Mobile Banking Agreement (as amended from time to time, this "Agreement"), governs the Mobile Banking service provided by VISIONBank and your use of that service. This Agreement also includes certain licensing rights and restrictions, including an end user agreement between you and our primary software licensor. The terms "we", "us" and "our" refer to VISIONBank. The terms "you" and "your" refer to the customer of VISIONBank who is entering into this Agreement. The term "Mobile Banking" means a suite of services that we make available, enabling you to conduct banking transactions with us by using your Mobile Device. "Mobile Device" means a cellular telephone or similar wireless communications device (1) that is installed with software permitted by us ("Mobile Banking Software") that you have downloaded in order to conduct Mobile Banking transactions, or (2) that is capable of conducting Mobile Banking transactions by using other protocols we may choose to permit. We reserve the right to change the Mobile Banking Software and other protocols that we allow for Mobile Banking at any time without prior notice. II. MOBILE BANKING IS PART OF YOUR PRIMARY ONLINE BANKING SERVICE Presently, Mobile Banking is available only to individuals who are already enrolled in our Online Banking service. The term "Primary Online Banking" means the VISION Online service through which you enroll in Mobile Banking. "Primary Online Banking Agreement" means VISIONBank s Online Banking Agreement, as amended from time to time, that you accepted when enrolling in your Primary Online Banking service. Your "Primary Online Banking Agreement" also includes related agreements that you have with us in connection with your Primary Online Banking (e.g., Bill Payment Agreement and the Mobile Remote Deposit Capture Agreement) This Mobile Banking Agreement is an Addendum to and includes the terms of your Primary Online Banking Agreement. Capitalized terms that are not defined in this Agreement are defined in your Primary Online Banking Agreement. The same credentials (User Code and Password) that are in place for your Primary Online Banking service shall also apply to Mobile Banking. III. ACCEPTING THIS AGREEMENT Before using Mobile Banking, you must both (a) consent to receive notices and disclosures electronically, and (b) read and accept this Agreement. You must evidence that consent and acceptance by selecting the button declaring your acceptance as part of your enrollment in Mobile Banking. In addition, you agree you are deemed to automatically renew that consent and acceptance each time you log in as a user of VISIONBank Mobile Banking and use Mobile Banking to conduct any transaction. The current version of this Agreement can always be viewed online through your Primary Online Banking service. IV. TERMS AND CONDITIONS 1. CONSENT TO RECEIVE DISCLOSURES AND NOTICES ELECTRONICALLY By accepting this Agreement, you consent to receiving notices and disclosures concerning Mobile Banking electronically, including by mobile phone (e.g. SMS or other text message) or (each of the foregoing being an "electronic address"). You must enter your electronic address for such disclosures and notices when first enrolling in Mobile Banking. You are solely responsible for immediately updating Page 13 Date Last Revised: 09/19/2013

14 your electronic address if it changes. All disclosures and notices by us shall be deemed given and received by you immediately upon being sent to the electronic address you have most recently updated. Many disclosures and notices may also or instead appear in one or more of your bank account statements. Unless specifically required by law, we are not obligated to provide any disclosure or notice to you by regular mail or by any means other than electronic transmission. You may, without charge, withdraw your consent to receiving notices and communications electronically by calling us at , but in that event we can terminate your Mobile Banking service. Please refer to your Online Banking Agreement for more contact options. Receiving electronic disclosures and notices on your Mobile Device requires that your Mobile Device be an Internet-enabled Mobile Device that support 256-bit encryption. In order to keep notices and disclosures sent to you electronically, you must have the ability to save them to your Mobile Device or computer, or to print them. You may also request a paper copy of an electronic notice or disclosure at no additional charge by calling us at MOBILE BANKING SERVICE AGREEMENT A. Mobile Banking Functions To access Mobile Banking service and functions, your Mobile Device must be Internet enabled and connected to the Internet through your mobile communications service provider. You must be enrolled in both our VISION Online service and our Mobile Banking service. You must enroll the particular Mobile Device(s) that you wish to use with Mobile Banking. You must also un-register any Mobile Device(s) that you may no longer wish to be capable of using with Mobile Banking. When you access Mobile Banking with your Mobile Device, you will see a menu of available Mobile Banking functions (e.g., view balances; view or search for transactions; locate branches; execute specific types of internal or external funds transfers; etc.). From time to time we will add, and may modify or delete particular Mobile Banking functions or geographic areas served by Mobile Banking. We may make such changes in functions or geographic service with or without prior notice. We reserve the right to refuse to make any transaction that you may request through Mobile Banking. Not all functions that are described in your Primary Online Banking Agreement or available at your Primary Online Banking service website are available with Mobile Banking. All terms and conditions in your Primary Online Banking Agreement or on your Primary Online Banking service's website that limit or govern your use of Primary Online Banking functions will also limit and govern your use of those functions through Mobile Banking. B. Mobile Banking Service Availability We will use reasonable efforts to make Mobile Banking service available for your use on a continuous basis. We do not guarantee functionality of Mobile Banking services (or any Mobile Banking Software) on all Mobile Devices, on all communications networks, in all geographic regions, or at all times. Mobile Banking service may be temporarily unavailable for regular or emergency system maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours, but we may conduct maintenance at any time. In addition, your accessibility to the Mobile Banking service may be interrupted because of conditions beyond our control, including outages in Internet availability. We will use commercially reasonable efforts to re-establish Mobile Banking service in those instances, but we do not promise the Mobile Banking service will always be available for your use. We may elect to discontinue Mobile Banking (or any of the services that we provide, from time to time, through Mobile Banking) at any time. If we choose to discontinue Mobile Banking, we will provide you with reasonable notice. In the case of a disaster, your Mobile Banking may be suspended in order to allow emergency and responding personnel to use the cellular networks. In no event, regardless of cause, shall we be liable to you for unavailability of Mobile Banking services, or your inability to access Mobile Banking or to execute Mobile Banking functions. C. Fees Charged by VISIONBank Page 14 Date Last Revised: 09/19/2013

15 Currently, we charge no fees to enroll in or use Mobile Banking. However, we may assess fees (a) set forth in the other agreements, disclosures or fee schedules for particular banking products or accounts (such as overdraft or funds transfer fees), or (b) for products and services that you may purchase through Mobile Banking. We reserve the right to institute or change fees for Mobile Banking after sending you prior notice. See the section entitled "Amending this Agreement or Fees." D. Mobile Device and Mobile Communications You are responsible for providing your own Mobile Device that supports 256-bit encryption. Mobile Banking users must download, install and use certain software systems and programs developed by us, our licensors or other third-parties. We are not responsible for any damage to your Mobile Device resulting from those activities, and you will be engaging in those activities at your own risk. To download Mobile Banking Software, please follow the instructions found in the Mobile Banking section of our website, Depending on its make and model, your Mobile Device may need to be capable of receiving an SMS text message to initiate the download. You are responsible for obtaining your own mobile communications service provider. Your mobile communications service provider may charge you for Internet-related use and for text (SMS) messages, so please see your mobile carrier for further details about its charges. You are responsible for all fees and charges that you may incur to any mobile communications service provider or any other third parties while using Mobile Banking. We are not a party to, and we have no duty, liability or responsibility with respect to or in connection with (i) your mobile communications service provider agreement, or (ii) any Mobile Device, hardware, software or other any product or service you may purchase from others relating to your use of Mobile Banking. This Agreement does not amend or supersede any agreements that you have with third parties (such as your Mobile Device supplier and your mobile communications service provider), and you remain subject to all terms, fees, costs, other charges, limitations and restrictions in those agreements with third parties. Your Mobile Device supplier and your mobile communications service provider are responsible for their products and services. You agree that any problems you may have concerning those companies' products, services or agreements shall be resolved by you directly with them, and without involving us. Your Mobile Device may become subject to unauthorized tracking, "hacking" or other manipulation by spyware, viruses or other malicious code ("malware"). We are not responsible for advising you of the existence or potential effect of any malware. Your use of your hardware and software is at your own risk. E. Export Controls Software programs, materials, tools, and technical data may be subject to U.S. export controls or the trade laws of other countries. You agree to comply with all export control regulations. You also acknowledge that you, not VISIONBank, have the responsibility to obtain such licenses to export, reexport or import as may be required. You agree not to export or re-export to entities on the most current U.S. export exclusion lists or to any country subject to U.S. embargo or terrorist controls as specified in the U.S. export laws. F. Mobile Banking License Rights Generally In connection with your use of Mobile Banking Software, we and our licensors (or other third-parties who have directly or indirectly granted rights in those software systems and programs with respect to Mobile Banking) will require your agreement to certain license rights arrangements and/or end-user agreements ("Licenses"). By enrolling in portions of Mobile Banking relating to those software systems and programs, and by downloading and installing Mobile Banking Software, you will be evidencing your acceptance of the terms and conditions of those Licenses. We may also condition your use of Mobile Banking Software upon you affirming such Licenses by the use of "I Accept" dialogue box acknowledgements, or by other affirmative or use-based acknowledgement and agreement systems. Page 15 Date Last Revised: 09/19/2013

16 We and our service providers (including without limitation third-party providers of Mobile Banking Software) reserve all rights not granted to you in this Agreement and under the terms of such Licenses. If you obtain a different Mobile Device, you will be required to download and install Mobile Banking Software, to that different Mobile Device, under the same terms set forth in this Agreement. You agree to delete all such software from your Mobile Device promptly if the Licenses or this Agreement terminate for any reason. We reserve the right to change, add to, or terminate services with our third-party Mobile Banking Software providers, to substitute different Mobile Banking Software providers, and to enter into or arrange for the provision Mobile Banking Software by other licensors and third-parties. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR THE AGREEMENTS GOVERNING THE TERMS OF ANY LICENSE RIGHT RELATING TO THE USE OR OPERATION OF MOBILE BANKING OR MOBILE BANKING SOFTWARE, MOBILE BANKING SERVICES AND MOBILE BANKING SOFTWARE ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF PERFORMANCE, OR MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, OR ANY OTHER WARRANTY AS TO PERFORMANCE, ACCURACY OR COMPLETENESS. YOUR USE OF THE MOBILE BANKING SOFTWARE AND MOBILE BANKING SERVICES, AND ANY MATERIAL OR SERVICES DOWNLOADED OR OTHERWISE OBTAINED VIA MOBILE BANKING, IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. Gradational Terms and Conditions in Related Agreements with Us. Your use of Mobile Banking is subject to the terms and conditions of your Primary Online Banking Agreement (as amended from time to time). Without limitation, this Agreement is supplemented by your Primary Online Banking Agreement's provisions regarding disclaimers of warranties, limitations on our liability, indemnity, amendments, dispute resolution terms and procedures, and definitions. For consumer customers, this Agreement is also subject to consumer protection provisions in the Online Banking Agreement, including limitations on consumer customers' liabilities for unauthorized transfers, and contacting us concerning questions or errors. In the event of any specific conflicts between this Agreement and the terms of your Primary Online Banking Agreement, the terms of this Agreement will govern. In addition, each deposit account or credit account that you access using Mobile Banking, and each transaction made in such accounts using Mobile Banking, remains subject to the general terms, conditions, and agreements governing those accounts (e.g., as applicable, the deposit account agreement, credit cardholder agreement, line of credit agreement, etc.). H. Amending this Agreement or Fees We may amend this Agreement at any time by sending notice as described in your Primary Online Banking Agreement; provided, however, that this Agreement governs our right to provide you with that notice electronically. You may choose to accept or decline the change. By continuing to use Mobile Banking after the effective date stated in the notice, you are deemed to accept that change. I. Lost or Stolen Mobile Device or Password; Unauthorized Transactions If you believe your Mobile Device, user name (User Code), Password, or other approved access device has been lost or stolen, or that someone has transferred or may transfer funds from your account without your authorization, contact us AT ONCE at For additional information regarding your and our rights and responsibilities regarding unauthorized transactions, please review your Primary Online Banking Agreement and the applicable agreement(s) governing the affected deposit account or credit account. In Case of Errors or Questions about Your Account In case of errors in or questions about your deposit or credit accounts, contact us at For additional information regarding your and our rights and responsibilities regarding errors in or questions about your accounts and how such errors and questions are processed, please review your Primary Page 16 Date Last Revised: 09/19/2013

17 Online Banking Agreement and the applicable agreement(s) governing the affected deposit account or credit account. For questions or concerns about the Mobile Banking service itself, you may contact us through any of the methods listed in your Primary Online Banking Agreement or by ing us at Please note that any message sent by is transmitted via normal and is not encrypted. So, please do not include any confidential information, such as account numbers or details, tax ID numbers, or any other information you want kept confidential. We will not respond to account information related questions sent via Internet . You agree that we may take a reasonable time to act on any within the timeframes noted in state and federal regulations. V. PROVIDER END USER AGREEMENT The primary licensor for VISIONBank s Mobile Banking services is Banno, LLC ( Provider ). The Provider has provided us the right to enter into the following end user agreement (the "End User Agreement") with you for the use of the Product (defined below). By enrolling in our Mobile Banking service, and during such time as we maintain our rights to license the Product, you hereby agree as follows: (i) General. Access to VISIONBank's Mobile Banking services via your Mobile Device is powered by the mobile technology solution owned by Provider. The Provider is not the provider of any of the financial services available to you through the "Product" (defined below), and the Provider is not responsible for any of the materials, information, products or services made available to you through the Product. (ii) Ownership. You acknowledge and agree that Provider is the owner of all rights, title and interest in and to the mobile technology solution made available to you hereunder, including but not limited to any downloaded software and the computer programs contained therein, as well as any accompanying user documentation, and all subsequent copies, updates or versions thereof, regardless of the media or form in which they may exist (all of which is collectively referred to herein as the "Product"). You further acknowledge that the design and look of the Product, which includes images, graphics, text, logos and icons, photographs, editorial content, notices, software and other materials are owned by Provider and protected under the United States and other applicable copyright, trademark and other laws. You may not use the Product unless you have first accepted the terms of this End User Agreement. (iii) License. Subject to the terms and conditions of this End User Agreement, you are hereby granted a personal, nonexclusive, nontransferable license to use the Product (in machine readable object code form only) in accordance with the terms of this End User Agreement and for the sole purpose of enabling you to use and enjoy the benefits of VISIONBank's services made available via the Product. This is not a sale of the Product. All rights not expressly granted to you by this End User Agreement are hereby reserved by Provider. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Product. This license may be terminated at any time, for any reason or no reason, by you or the Provider. Upon termination, you agree to immediately destroy all copies of any Product which has been downloaded to your Mobile Device or otherwise in your possession or control. (iv) Restrictions. You shall not: (i) modify, revise or create any derivative works of the Product; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Product; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Product; or (iv) remove or alter any proprietary notices, legends, symbols or labels in the Product, including, but not limited to, any trademark, logo or copyright. Page 17 Date Last Revised: 09/19/2013

18 (v) Updates. The terms of this End User Agreement will govern any updates that replace and/or supplement the original Product, unless such update is accompanied by a separate license in which case the terms of that license will govern. (vi) Consent to Use of Data. You agree that Provider may collect and use technical data and related information, including but not limited to technical information about your Mobile Device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services (if any) related to the Product. Provider may use this information, as long as it is in a form that does not personally identify you, to improve its products or provide services or technologies. (vii) Source of Information. The Product, at your direction, will retrieve your information maintained online by financial institutions and billers with which you have customer relationships, maintain accounts or engage in financial transactions and other log-in related information ( Account Information ). Provider does not review, verify or analyze the Account Information for accuracy or any other purpose, but simply gathers, organizes and reports your Account Information to you. There may be technical difficulties which result in a failure to obtain data, a loss of data, a loss of personalized settings or other service interruptions. Account Information reported by the Product is timely only to the extent that it is promptly provided by the third-party sites. Account Information may be more up to date when obtained directly from the third-party sites. (viii) Your Responsibility for Information. You are responsible for providing Provider with accurate and updated (as necessary) account numbers, user names, passwords and other log-in related information ( Registration Information ) so that the Product is able to access Account Information. If you become aware of any unauthorized use of your Registration Information, you should notify your financial institution immediately. (ix) Mobile Alerts. The Product may provide automatic, Product-related alerts to your mobile device. Account alerts may be turned on or off as part of the Product. They may then be customized, deactivated or reactivated by you. Provider may add new alerts periodically, or cease to provide certain alerts at any time in its sole discretion. Electronic alerts will be sent to the Product through its operating specific notification system or for the html client the phone number or address you have provided as your primary address for the Product. If your address or your Mobile Device s address changes, you are responsible for informing us of that change through the Product settings interface. Alerts may include sensitive information such as low balance warnings or large deposits but will never include account numbers or balance information. You must re-enter the Product to see such details. (x) Rights You Grant to Provider. By submitting data, passwords, user names, PINs, log-in information, materials and other information to Provider through the Product, you are licensing that content to Provider solely for the purpose of providing the Product to you and for such other purposes as are set forth in the Privacy Policy under section xi below (the Privacy Policy ). Provider may use and store the content in accordance with the Privacy Policy. By submitting such information to Provider, you represent that you are entitled to submit it to Provider for use for this purpose, without any obligation by Provider to pay any fees. By using the Product, you expressly authorize Provider to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the Add Accounts feature of the Product, you will be directly connected to the website for the third party you have identified. Provider will submit information including user names and passwords that you provide to log you into the site. You hereby authorize and permit Provider to use and store the information submitted by you to the Product (such as account passwords and user names) to accomplish the foregoing and to configure the Product so that it is compatible with the third-party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Product, you grant Provider a limited power of attorney, and appoint Provider as your attorney-in-fact and agent, to access the third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities as you could do in person. You acknowledge and agree that when Provider is accessing and retrieving Account Information from the third-party sites, Provider is acting as your agent, and not as the agent of or on behalf of the third party. Page 18 Date Last Revised: 09/19/2013

19 You understand and agree that the Product is not sponsored or endorsed by any third parties accessible through the Product. (xi) Privacy Policy. Provider will not sell or rent your personal information to anyone, for any reason, at any time. Provider uses and discloses your personal information only as follows: (a) to analyze usage and improve the Product, (b) to deliver to you any administrative notices, alerts and communications relevant to your use of the Product, (c) to fulfill your requests for certain products and services, (d) for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity, and (e) in order to enable the financial institution through which you signed up for the Product (your Primary Financial Institution ) to offer additional product offerings to you, the Product provides to your Primary Financial Institution financial product details of any external institutions you have added through the Product, provided that no external transactional data will ever be shared with your Primary Financial Institution. Notwithstanding the foregoing, Provider reserves the right (and you authorize Provider) to share or disclose your personal information when Provider determines, in its sole discretion, that the disclosure of such information is necessary or appropriate (x) to enforce our rights against you or in connection with a breach by you of this End User Agreement, (y) to prevent prohibited or illegal activities, or (z) when required by any applicable law, rule regulation, subpoena or other legal process. (xii) The Product is not a Professional Advisor. NEITHER PROVIDER NOR THE PRODUCT IS INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. PROVIDER AND THE PRODUCT ARE NOT FINANCIAL PLANNERS, BROKERS OR TAX ADVISORS. The Product is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Product may not be appropriate for your situation. Accordingly, prior to making any financial decisions or implementing a financial strategy, you should consider obtaining additional information and advice from professionals, such as accountants, attorneys, financial advisors or other professionals who are fully aware of your individual circumstances. (xiii) Alert Disclaimer. You understand and agree that any alerts provided to you through the Product may be delayed or prevented for a variety of reasons. Provider attempts to provide alerts in a timely manner with accurate information, however, Provider neither guarantees the delivery nor the accuracy of the content of any alert. You also agree that Provider shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert, or for any actions taken or not taken by you or any third party in reliance on an alert. (xiv) Your Indemnification of Provider. You agree to defend, indemnify and hold harmless Provider and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorney fees, in whole or in part arising out of or attributable to any breach of this Agreement by you. (xv) Export Restrictions. You may not use or otherwise export or re-export the Product except as authorized by United States law and the laws of the jurisdiction in which the Product was obtained. In particular, but without limitation, the Product may not be exported or re-exported (a) into any U.S. embargoed countries or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person's List or Entity List. By using the Product, you represent and warrant that you are not located in any country or on any such list. You also agree that you will not use the Product for any purposes prohibited by United States law. (xvi) U.S. Government Restricted Rights. The Product is commercial computer software subject to RESTRICTED RIGHTS. In accordance with 48 CFR (computer software) or DFARS (commercial computer software and commercial computer software documentation), as applicable, the use, duplication, and disclosure of the Product by the United States of America, its agencies or instrumentalities is subject to the restrictions set forth in this End User Agreement. Page 19 Date Last Revised: 09/19/2013

20 (xvii) Disclaimer of Warranty. THE PRODUCT 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 PRODUCT WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE PRODUCT WILL BE UNINTERRUPTED. YOUR USE OF THE PRODUCT AND ANY MATERIAL OR SERVICES OBTAINED OR ACCESSED VIA THE PRODUCT IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. (xviii) Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL PROVIDER OR ITS AFFILIATES OR LICENSORS BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE PRODUCT, INCLUDING BUT NOT LIMITED TO ANY DIRECT, INDIRECT, 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, PROVIDER S LIABILITY ARISING OUT OF THE USE OR INABILITY TO USE THE PRODUCT SHALL NOT EXCEED IN THE AGGREGATE THE SUM OF $250. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. (xix) Miscellaneous. This End User Agreement constitutes the entire agreement between you and Provider concerning the subject matter hereof. This End User Agreement will be governed by and construed in accordance with the laws of the state of Iowa, excluding that body of laws pertaining to conflict of laws. If any provision of that portion of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this End User Agreement are subject to the exclusive jurisdiction of the courts of Iowa and you expressly consent to jurisdiction and venue thereof and therein. This End User Agreement and all related documentation are 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. Page 20 Date Last Revised: 09/19/2013

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