FNB Online Banking User Agreement 

Please read this entire Agreement carefully before enrolling in the FirstNet Program.  This Agreement outlines the terms and conditions of using our online banking services (“FirstNet”).  It includes information outlining the requirements for participation, applicable fees, and security issues.  It also describes your responsibilities for protecting your account information and what to do in case you suspect someone has accessed your information without authorization.  For additional terms and conditions of your account, also refer to your Account Agreement / Signature card and related Terms and Conditions.  By enrolling in FirstNet, you are hereby agreeing and consenting to the terms and conditions described in this Agreement and the related documents.

I. Introduction to FirstNet & Definitions

II. Requirements for Participation in FirstNet

III. Terms and Conditions

IV. Selected Features

V. Security

VI. Fee Requirements

VII. FirstNet

VIII. FirstNet Bill Pay Program

IX. Zelle

X. Unauthorized Use of Your Accounts

XI. Errors or Questions

XII. Related Documents

 

I. Introduction to FirstNet & Definitions

This agreement covers the terms and conditions that apply to The First National Bank of Granbury’s (“Bank”) FirstNet online banking program (“FirstNet”) and the FirstNet Bill Pay Program (“Bill Pay”) and the ZelleNetwork.By enrolling in and/or using FirstNet, Bill Pay and/or Zelle, you acknowledge your receipt and understanding of this Agreement and agree to abide by its terms and conditions.This Agreement will be governed by and interpreted in accordance with federal law and regulations, or in the absence of such federal law or regulations, by the laws of the State of Texas.The terms “FNB”, “Bank”, “we”, “us” and “our”, refer to The First National Bank of Granbury.“You” or ““Your” refers to each signatory on the account.The term “business day” means Monday through Friday, excluding Saturday, Sunday and federal banking holidays.In addition to the terms and conditions of the User Agreement, each of your accounts is also governed by a Deposit Account Agreement.

II. Requirements for Participation in FirstNet

In order to participate in FirstNet, you must have the following:

• An eligible account with the Bank.  Eligible accounts shall consist of checking accounts, savings accounts, money market accounts, Certificates of Deposit, IRAs, loans and lines of credit.
• A computer capable of connecting to the Internet and an Internet connection through an Internet Service Provider (ISP) or content provider.
• All software required to connect to the Internet, including operating systems, connection software and browser capable of at least 128-bit SSL encryption.
• To use the Bank’s Zelle program you must additionally have the following: Valid enrollment to the FirstNet program and at least one active checking account with the Bank.  Payments under the Zelle program can only be made from checking accounts.  Money market accounts, savings accounts and other account types cannot be used for the Zelle program.
• To use the Bank’s Bill Pay program you must additionally have the following: Valid enrollment to the FirstNet program and at least one active checking account with the Bank.  Payments under the Bill Pay program can only be made from checking accounts.  Money market accounts, savings accounts and other account types cannot be used for the Bill Pay program.
• To use the Bank’s “FNB Mobile” application you must have an active FirstNet account and install the proper “FNB Mobile” application on your mobile device.
• A valid email address and valid phone number(s) at which the Bank can contact you.

III. Terms and Conditions

By accessing FirstNet, Bill Pay and/or Zelle, you also agree to the terms and conditions set forth below.

A. Cancellation of Services

You may cancel FirstNet, Bill Pay or Zelle at any time simply by notifying Bank.Your cancellation will take effect as soon as Bank has received your notice and cancelled your service.Bank reserves the right to cancel your FirstNet, Bill Pay or Zelle access at any time without prior notice.If your Bill Pay access should be inactive for three months the Bank will cancel your Bill Pay access and you must re-enroll to be reactivated.

B. The First National Bank of Granbury’s Liability

Except as specifically provided in this Agreement or where the law has set forth and requires a different standard, you agree that the bank shall not be responsible for any loss, property damage or bodily injury, whether caused by any of the following: The First National Bank of Granbury; The hardware or software: The Internet browser providers; The internet access providers: the online service providers: any agent or subcontractor of any of the foregoing.Further, The First National Bank of Granbury shall have no responsibility for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the hardware, software, FirstNet, the Bill Pay program or the Zelle program, the Internet browser or access software.Bank cannot and does not assume responsibility for the security of your computer(s) and or computer network(s) or for the file(s) and payment order(s) originated from your computer(s) and or networks(s) or for the file(s) and payment order(s) that appear to have been originated from your computer(s) and or computer network(s).

See our Disclaimer Policy.

C. Hours of Availability

You may use FirstNet, the Bill Pay program or the Zelle program twenty-four hours per day, seven days a week.However, there are times when part or all of the system will be unavailable due to maintenance requirements or technical difficulties.The Bank will not be liable for any damages should you not be able to use FirstNet, Bill Pay or Zelle due to maintenance requirements or technical difficulties.

D. Change to Fees and Terms

The Bank reserves the right to change the fees or other terms of this Agreement at any time.Whenever such changes are made, we will update this Agreement and either send a notice to you at the address on our records, or notify you of the changes through your FirstNet email address.The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for FirstNet, Bill Pay or Zelle, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions.However, should an immediate change be necessary to maintain the security of the system the thirty (30) day notice requirement is hereby waived.If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change.You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate.We reserve the option, to waive, reduce or reverse charges or fees in individual situations.Such decision is solely up to the business judgment of the Bank.

E. Disclosure of Account Information

By accepting the terms and conditions of this Agreement, you acknowledge and accept our Privacy Policy which is posted on our website and available at any of our locations.See our Privacy Policy.

F. Electronic Funds Transfer Regulations for Consumers

The Electronic Funds Transfer Act provides you with certain rights and responsibilities with respect to certain transfers called “Electronic Fund Transfers (EFT)” which apply only to electronic fund transfers that debit or credit a consumer’s account.Your rights and responsibilities are fully described in our Electronic Funds Transfers disclosure that have been separately provided to you at account opening.Please visit any one of our convenient locations to obtain the disclosure.

G. Mobile Deposit Availability of Funds

We will make funds available for checks and items received, accepted, and successfully processed through Mobile Deposit according to our standard funds availability policy.Please visit any one of our convenient locations to obtain this policy.

IV. Selected Features

FirstNet may be used by you for the following:

• To transfer funds between eligible accounts with the Bank.  To view current and available balances for accounts with the Bank.  The “current balance” obtained under FirstNet will be the balance of the account at the time the account was processed as of the last business day prior to the day on which the balance is sought.  The “available balance” will be the funds available in the account as of the last time the information was read from the bank’s systems.  Barring any technical difficulties, the “available balance” is usually read when the customer signs on to FirstNet.
• To view up to 90 days of transaction history for accounts with the Bank.
• To search for transactions based on a variety of criteria including check number, dates, amounts or transaction type.
• To view images of items that have cleared your accounts.
• To submit stop payment orders.
• To submit account-related questions to Customer Service.
• Bill Pay may be used to pay bills to any payee with a valid U.S. address.
• Zelle may be used to send or receive payments
• The FNB Mobile applications may be used to access FirstNet information after proper installation of the FNB Mobile application on your mobile device.

V. Security

A. General Overview

The Bank knows that one of the main concerns’ customers have about banking on the Internet is security.We are aware you want to be assured that your personal information is safe.FirstNet utilizes security technology widely accepted and used by the banking and financial industry for Internet commerce.This technology is constantly changing and improving.As a result of these constant changes and improvements, the Bank frequently reviews new technologies as they become available to ensure that FirstNet will remain as secure as possible in the future.Some of the features the Bank has implemented to make FirstNet secure include:

Support of 128-bit SSL encryption – 128-bit encryption is the highest-grade encryption widely used in commercial applications.You will also be required to maintain hardware, browser and software of a type sufficient to participate in FirstNet.

Session Time-outs – the system will automatically sign the customer off of FirstNet if the customer fails to use the system for a period of twenty (20) minutes.

Automatic Lockout – after three (3) consecutive failed attempts to sign onto the system, the system will automatically lock out the user’s FirstNet account.The user will be able to sign back onto FirstNet only after calling an Online Banking Specialist at 817-573-3982 during normal bank business hours.

Forced password changes.

Firewalls – hardware and software firewalls are used to prevent unauthorized access of sensitive information such as account information.

B. User ID, Password and Out-of-Band Authentication

As part of the enrollment process for FirstNet you will specify a User ID and Password that you will need to sign on to participate in FirstNet.Your User ID must have at least eight characters.Do not use your social security number or your driver’s license number.Your Password will be separate and apart from any other Password you designate or have previously designated with the Bank.In selecting a Password, remember these important points: Select a Password which has at least eight characters.The Password must be alpha/numeric and have at least one special character.Avoid using personal information.Information such as your street number, your birthday or a family member’s birthday, family names, your driver’s license number, etc.are easy to guess and will compromise the security of your Password.Also, do not use information from documents you carry on your person, such as your social security card or credit cards.Memorize your Password.Do not write it down or reveal it to anyone.Change your Password often.This can be done online within FirstNet.

FirstNet will employ Out-of-Band Authentication.If sign-on attempt is made from a device unknown to FirstNet, the FirstNet system will ask the person attempting to sign-on whether they desire to receive the Out-of-Band Authentication code via voice call or text message to a phone number contained in bank records.

C. Use of Computer

Never leave your computer unattended when you are signed onto FirstNet. It only takes a second for someone to obtain your valuable financial information.Do not take that risk.Sign off of FirstNet and sign back on later.Sign off of FirstNet as soon as you are finished.

Beware of “phishing” emails which appear to offer your legitimate information but will contain a link or file the cyber criminal wants you to click in order to install malware on your computer.Beware of “spoofed” emails and websites.These are emails and websites that actually fake copies of the websites or emails of legitimate businesses like the bank or other companies from which you obtain services.The fraudster wants you to think you can safely click on the files or links in their emails when these files or links actually load malware on your computer.Once such malware is on your computer the fraudster can steal your online credentials, copy your keystrokes and submit fraudulent transactions to the bank or others and these transactions will appear to have originated from you and your computer.

See our Security Statement.

VI. Fee Requirements

There are no transaction charges or monthly fees for accessing your accounts through FirstNet and there is no charge for other Bank services see our Schedule of Fees and Charges.

VII. FirstNet

A. Processing Online Transfers

If you initiate an online transfer before 3 PM CST, the transfer will memo post to your account that day and can be viewed within FirstNet the following business day.If you initiate an online transfer after 3 PM CST on a business day or any time on a Saturday, Sunday or bank holiday, the transfer will be posted to your account on the next business day and can be viewed within FirstNet on the first business day after the business day on which the transfer is posted.All online transfers will be reflected in the Available Balance until processed into the Current Balance.

We will be liable only for your actual losses or damages if we do not complete a transfer to or from your account(s) with the Bank on time or in the correct amount according to our Agreement with you only when the error and its cause were within the Bank’s control. However, there are some exceptions.We will not be liable if: Through no fault of ours, you do not have enough money in your account to make a transfer.Your account is closed or if it has been frozen.The transfer would cause your balance to exceed the credit limit for any credit arrangement set up to cover overdrafts.A legal order directs us to prohibit withdrawals from the account.You, or anyone you allow, commits any fraud or violates any law or regulation.Any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.You have not properly followed the instructions for using FirstNet, Bill Pay or Zelle.Circumstances beyond our control (such as fire, flood, tornado or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.If the error and its cause were within the Bank’s control, restitution to you will be limited to returning your account to the balance and interest earned as if the transfer had properly occurred on the scheduled date.Please refer to your Truth in Savings Disclosure for additional information regarding any transaction limits and the applicable fees.

B. Processing Stop Payment Request Submitted Online

If you use FirstNet to submit a stop payment request on an item which was not originated through the Bill Pay program, Bank will verify whether the item has already cleared.If the item has cleared, the Bank will notify you via phone or secure email that the stop payment request could not be carried out since the item had already cleared.If, at the time the request to stop payment is received, the item has not already cleared, then bank will place a six month stop payment order on the item you described.Your access to the Program will be deemed as your written request for the stop order.The stop payment order must be received at such time and in such manner as to afford the bank a reasonable opportunity to act upon the order.

Requests to stop payment on Automated Clearing House (ACH) entries must be submitted directly to Bank’s Customer Service Department at (817)573-2655.

You further agree to hold the Bank harmless should the item be paid through inadvertence, accident or oversight or if by reason of such payment other items drawn by the user are returned as insufficient.You also agree to indemnify the Bank against, and to hold the Bank harmless from, any and all claims, expenses and liabilities arising because of or in connection with the stop payment order or revocation thereof.

If you make a stop payment order through FirstNet, you will be charged a fee identical to the fee charged for stop payment orders submitted orally or in person.Please refer to the standard fee schedule for your account for the specific amount of the fee.See our Schedule of Fees and Charges.

VII. FirstNet Bill Pay Program (“Bill Pay”)

A. Enrolling in Bill Pay

To enroll in the Bill Pay program, please follow the appropriate instructions.After Enrolling in Bill Pay, you must set up all payees in the system to whom you wish to make payments.By furnishing the Bill Pay program with the names of your payees, you authorize the Bank, its subcontractors or agents to follow the payment instructions that you have entered online for those payees.When payment instructions are received from you, funds will be remitted to the payee for you from the checking account you selected when setting up the payment.However, the Bank, its subcontractors or agents are not obligated to make the payment unless your account has sufficient funds or credit availability to pay the bill on the date you scheduled for payment.In the event payments are processed and your account does not contain sufficient funds for said payment(s), you agree to immediately reimburse the Bank, its subcontractors or agents for the amount of the payment(s).Funds for all bills (whether these payments are made electronically or by check) will be withdrawn from your account per the schedule of the Bill Pay program operator.

B. Bill Pay Accounts

In order to participate in Bill Pay, you must have at least one active checking account with the Bank.Payments can be made only from active checking accounts that you have included in your FirstNet profile.Money market accounts, savings accounts and other types cannot be used to pay bills.

C. Making Payments

Sufficient time must be allowed by you for the payment to reach the payee in order to avoid having the payment arrive late to the payee.To ensure timely payment, you much schedule payments at least six (6) business days prior to the date the payment is due.Since some payments you schedule may be made by paper check and sent via United States mail, it is important that you schedule payments five (5) business days in advance to ensure that the payment scan be issued in time to be delivered to the payee via United States mail if necessary.

D. Canceling or Editing Payments

This section deals with canceling or editing a payment before payment is originated.Details of placing a stop payment order on a payment already originated are found above in this agreement.You have the right to cancel or edit any pending payments by using the delete or edit feature on the Bill Pay Pending Payments screen.

E. The First National Bank of Granbury Responsibility

If the Bank does not properly complete a transaction under the Bill Pay program on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the payee prior to the incident.The Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly.This includes any applicable finance charges and late fees.We will also not be liable if: There is insufficient funds or credit availability in your designated payment account the payment account is closed or frozen, a legal order directs us to prohibit withdrawals from the payment account, the delay was due to processing delays by the payee, there are delays in postal processing or delivery, or if the payment is lost in the mail, or if the Bank’s ATM network or any part of the electronic funds transfer system is not working properly.The Bank will not be liable for indirect, special, or consequential damages arising out of the use of Bill Pay.

IX. Zelle

1. Description of Services

a. We have partnered with the Zelle Network® (“Zelle®”) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle® or enrolled with another financial institution that partners with Zelle® (each, a “User”) using aliases, such as email addresses or mobile phone numbers (the “Service”). We will refer to financial institutions that have partnered with Zelle® as “Network Banks.”

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

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

2. Eligibility and User Profile

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

You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney.

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

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

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

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

We may amend or change this Agreement at any time by posting the updated terms on the sites within the Service. Please review this Agreement regularly. Your use of the Service after we have made such changes available will be considered your agreement to the change.

3. Consent to Share Personal Information (Including Account Information)

We may disclose information to third parties about your account or the funds you send or receive as necessary in offering the Service or as required by law.

4. Privacy and Information Security

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

5. Wireless Operator Data

We or Zelle® may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle® with your wireless operator account profile information for the duration of our business relationship.

6. Enrolling for the Service

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

B. Once enrolled, you may:

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

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

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

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

7. Consent to Emails and Automated Text Messages

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

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

b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you.

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

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

e. To cancel text messaging from us, send STOP to 20736 . For help or information regarding text messaging, send HELP to 20736 or contact our customer service at 817-573-2655  or  e-mail at customerservice@fnbgranbury.com . You expressly consent to receipt of a text message to confirm your “STOP” request.

8. Receiving Money; Money Transfers by Network Banks

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

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

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

9. Sending Money; Debits by Network Banks

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

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

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

We have no control over the actions of other Users, other Network Banks or other financial institutions that could delay or prevent your money from being delivered to the intended User.

10. Liability

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

THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER A PROTECTTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

11. Send Limits

To protect your account, we place a daily dollar send limit and a per transaction send limit on Zelle payments sent from your accounts. We may reduce your limits without notice at any time. We may refuse to process any transaction that exceeds applicable limits at any time. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all payments initiated. If you do not have sufficient funds in the account and we have not exercised our right to reverse or reject a payment, you agree to pay for such payment obligations on demand. You agree that we may charge any of your accounts to cover such payment obligations.

12. Requesting Money

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

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

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

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

13. Transaction Errors

In case of errors or questions about your Zelle transfers, call us immediately at 817-573-2655, if you think your statement or transfers are wrong or if you need more information about a transfer listed on the statement or the mobile banking application. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.

We will determine whether an error occurred within 10 business days (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 10 business days 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

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.

14. Your Liability for Unauthorized Transfers

If you permit other persons to use the service or your password, you are responsible for any transactions they authorize from your accounts.

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call the Bank’s Customer Service department at (817) 573-2655 or e-mail at customerservice@fnbgranbury.com. If you believe another person has improperly obtained your online banking or mobile banking password, you should turn off your device and contact us immediately.

If someone has transferred money from your account without your permission or if you suspect any fraudulent activity on your account, then contact us immediately.

To notify us, call The First National Bank of Granbury customer service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST, or e-mail at customerservice@fnbgranbury.com.

15. Liability for Failure to Complete Transfers

We are not responsible for a payment that is not made if you did not properly follow the instructions for making a payment. 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.

16. Fees

The fee for the Zelle service is free of charge. We reserve the right to evaluate the usage pattern of any user and such evaluation may result in the termination of service for the user and/or the assessment of an appropriate fee.

Any fees you may incur for using text message features available in the Zelle service are solely your responsibility.

17. Cancellation of the Service

You may cancel the service by calling (817) 573-2655. By canceling the service, any pending, repeating and future dated transfers will also be terminated, however any transfer that is in process cannot be cancelled by you. When you cancel the service, you will no longer be able to access or use the service and you will not receive a refund of service fees, if any. When you cancel the service, it will not cancel your other online services or your account relationship with us.

18. Right to Terminate Access

We may terminate, suspend, or limit your access privileges to or use of the service, in whole or part, at any time for any reason without prior notice.

19. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE® MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE® EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. ZELLE® DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

20. Limitation of Liability

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

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

21. Indemnification

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

22. Governing Law; Choice of Law; Severability

You submit to the jurisdiction of, and this Agreement shall be governed by the laws of, the State of Texas, U.S.A., as well as the federal laws of the U.S.A. Venue for any action arising out of this Agreement shall be in a state court of competent jurisdiction covering Granbury, Texas, and U.S.A. The prevailing party in any such action shall be entitled to the recovery of its reasonable attorney’s fees, costs, and expenses.

23. Miscellaneous

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

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

X. Unauthorized Use of Your Accounts

Your role is extremely important in the prevention of any wrongful use of your account.You must promptly examine your statement upon receipt.If you find that your records and ours disagree, you much immediately call The Bank’s Customer Service department at (817) 573-2655 or email at customerservice@fnbgranbury.com.If you believe another person has improperly obtained your FirstNet Password, you should turn off your computer and contact us immediately.

If someone has transferred money from your account without your permission, if you believe someone intents to transfer money from your account without your permission, or if you suspect any fraudulent activity on your account, then contact us immediately.

Your account numbers should only be revealed to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). However, never reveal your Password to anyone.

To notify us, call The First National Bank of Granbury Customer Service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST, or write First National Bank, Attn: Customer Service, PO Box 400, Granbury, Texas 76048 or email at customerservice@fnbgranbury.com.

XI. Errors and Questions

In case of questions or errors concerning FirstNet transfers you should one of the following:

Call The First National Bank of Granbury Customer Service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST or write The First National Bank of Granbury, Attn: Customer Service, PO Box 400, Granbury, Texas 76048.

To contact Bill Pay Support regarding electronic payments, please dial (866) 305-9034.

XII. Related Documents

Please review your Privacy Policy, Security Agreement, Schedule of Fees & Charges and Disclaimer at your convenience.Each of these documents along with your Account Agreement / Signature Card and Terms and Conditions are related to and incorporated into this user agreement.

ACCEPTANCE

If you accept the terms and conditions set forth in this FirstNet User Agreement and its related documents, click “ACCEPT” in the box below.If you do not accept the terms and conditions set forth in this FirstNet User Agreement and its related documents, click “DECLINE” and you will be returned to the Home Page.

I have read the FirstNet User Agreement displayed and agree to terms and conditions.