First National Bank of Fort Smith
First National Bank of NWA, Div. of FNBFS
National Bank of Sallisaw, Div. of FNBFS
Terms and Conditions for Adding Debit Card to a Mobile Wallet

These terms and conditions (the “Terms”) for attaching your First National Bank of Fort Smith debit card (“Debit Card”) virtually to a digital storage system (“Mobile Wallet”) apply when you choose to add a Debit Card to a Mobile Wallet. In these Terms, you and your refer to any person that seeks to add a Debit Card to any Mobile Wallet, and we, us, our, and First National Bank of Fort Smith refer to the issuer of your Debit Card. When you add a Debit Card to the Mobile Wallet, you agree to these Terms.

1. Adding your Debit Card.
You can add an eligible Debit Card to the Mobile Wallet by following the instructions of the Mobile Wallet provider. Only Debit Cards that we indicate are eligible can be added to the Mobile Wallet. If your Debit Card or underlying account is not in good standing, that Debit Card will not be eligible to enroll in the Mobile Wallet. When you add a Debit Card to the Mobile Wallet, the Mobile Wallet allows you to use the Debit Card to enter into transactions where the Wallet is accepted. The Mobile Wallet may not be accepted at all places where your Debit Card is accepted.

2. Your Debit Card Terms Do Not Change.
The terms and account agreement that govern your Debit Card do not change when you add your Debit Card to the Mobile Wallet. The Mobile Wallet simply provides another way for you to make purchases with the Debit Card. Any applicable interest, fees, and charges that apply to your Debit Card will also apply when you use the Mobile Wallet to access your Debit Card. First National Bank of Fort Smith does not charge you any additional fees for adding your Debit Card to the Mobile Wallet or using your Debit Card in the Mobile Wallet. The Mobile Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.

3. First National Bank of Fort Smith is Not Responsible for the Mobile Wallet.
First National Bank of Fort Smith is not the provider of the Mobile Wallet, and we are not responsible for providing the Mobile Wallet service to you. We are only responsible for supplying information securely to the Mobile Wallet provider to allow usage of Debit Card in the Mobile Wallet. We are not responsible for any failure of the Mobile Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Mobile Wallet provider or associated third party relationships that may impact your use of the Mobile Wallet. You acknowledge that you have read and accepted the terms and conditions of the Mobile Wallet by requesting that your Debit Card be added to the Mobile Wallet.

4. Contacting You Electronically, and by Email
You consent to receive electronic communications and disclosures from us in connection with your Debit Card and the Mobile Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any First National Bank of Fort Smith account. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes. By accepting these Terms and Conditions, you agree that it is subject to the federal Electronic Signatures in Global and National Commerce Act. (“E-SIGN”). Continued use of a Debit Card in a Mobile Wallet requires that you agree to receive all Notices electronically. If you prefer to receive paper Notices, you have the right to withdraw your consent, in which case we will terminate your use of the Debit Card in a Mobile Wallet.

5. Removing Your Debit Card from the Mobile Wallet.
You should contact the Mobile Wallet provider on how to remove a Debit Card from the Mobile Wallet. We can also block a Debit Card in the Mobile Wallet from purchases at any time.

6. Governing Law and Disputes.
These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your Debit Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Debit Card agreement.

7. Ending or Changing these Terms; Assignments
We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these terms, but you can terminate these Terms at any time by removing all Debit Cards from the Mobile Wallet. You may not assign these Terms.

8. Privacy
Your privacy and the security of your information are important to us. The Consumer Privacy Notice (available online at www.fnbfs.com, www.fnbnwa.com and www.banknbs.com ) applies to your use of your Debit Card in the Mobile Wallet. You agree that we may share your information with the Mobile Wallet provider, a payment network, and others in order provide the services you have requested, to make information available to you about your Debit Card transactions, and to improve our ability to offer these services. This information helps us to add your Debit Card to the Mobile Wallet and to maintain the Mobile Wallet. We do not control the privacy and security of your information that may be held by the Mobile Wallet provider, and that is governed by the privacy policy given to you by the Mobile Wallet provider.

9. Notices
We can provide notices to you concerning these Terms and your use of a Debit Card in the Mobile Wallet by posting the material on our website, or through electronic notice given to you by the provider. For questions, disputes, or complaints about your Debit Card, contact us at 1-479-788-4600.