MOBILE BANKING ADDENDUM

This is an addendum to the Terms and Conditions for Old Point National Bank’s Online Banking Agreement and sets forth the additional terms and conditions for use of Mobile Banking.

Description of services. We endeavor to provide you with the highest quality Mobile Banking available. In order to access Mobile Banking, you must be an active Old Point Online Banking user and enroll in the service. From a web browser, using your Online Banking credentials, select Mobile Banking and Enroll.  You must first create a Mobile Username and Password, also known as a PIN. 

You can access Mobile Banking on a mobile device with Short Message Service (SMS) or a Mobile Web Browser in conjunction with a texting or data plan. Old Point does not charge a fee to access Mobile Banking.

Relationship to other agreements and feesYou agree that when you use Mobile Banking, you will remain subject to the terms and conditions of all your agreements with us, our affiliates, and/or any unaffiliated service providers, including, but not limited to, your mobile service provider (e.g., Verizon, Sprint, T-Mobile, etc.). You understand that those agreements may include fees, limitations and restrictions which may impact your use of Mobile Banking. Your mobile provider may impose data usage or text message charges for your interaction with Mobile Banking, and you agree to pay all such fees. Contact your mobile device service provider for details.

Responsibility. You are responsible for providing your own hardware and software to access the Mobile Banking. The hardware and software that you use may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We do not guarantee functionality of Mobile Banking on all wireless devices.  You agree to take every precaution to ensure the safety, security and integrity of your account(s) and transactions when using Mobile Banking. You agree not to leave your device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you do, we will not be liable for any damage resulting to you. You agree to comply with all applicable laws, rules and regulation in connection with Mobile Banking.

Changes or cancellation. We will use reasonable efforts to make Mobile Banking available for your use on a continuous basis. Mobile Banking may be unavailable for short periods of time for regular or emergency system maintenance. We will endeavor to have our scheduled maintenance occur during non-peak hours. In addition, accessibility to Mobile Banking may be interrupted because of conditions beyond our control, including outages in Internet availability. We will use diligent efforts to re-establish Mobile Banking as promptly as possible. We do not promise Mobile Banking will always be available for your use. We reserve the right at all times to take actions to protect our systems and information, including denial of access to users of Mobile Banking. We reserve the right to change or discontinue Mobile Banking at any time. If we choose to discontinue Mobile Banking, we will provide you with a reasonable notice in advance of that fact. You may cancel your participation in Mobile Banking by logging in to your Online Banking account to un-enroll in Mobile Banking, by texting STOP to "469228" or calling us at 1.800.952.0051.

Acceptance. When you enroll in Mobile Banking, you agree to the terms and conditions of this Addendum and Old Point’s Online Banking Agreement as it relates to Mobile Banking and the following Mobile Remote Deposit Agreement.


OLD POINT NATIONAL BANK - MOBILE DEPOSIT AGREEMENT

Old Point National Bank, and “Account Owner” as defined below, hereby enter into, as of the date the Bank grants access to the Services (the “effective date”), this Mobile Deposit Agreement (“agreement”). The agreement consists of general terms and conditions, exhibits, and any amendments attached hereto or hereafter and incorporated by reference.

General Terms and Conditions Agreement. This agreement establishes the rules that govern the processing of deposited checks through account owner’s account(s) at the Bank using Mobile Deposit. From time to time, the Bank may amend any of the terms and conditions contained in this agreement. Such amendments shall become effective as stated on any notice sent to you, the account owner. Examples of such notices might include, but are not limited to, newsletters, disclosures, etc. By using the Mobile Deposit, you accept all the terms and conditions of this agreement. Please read it carefully. The terms and conditions of account owner’s Account Agreement and the Truth-In-Savings disclosure for account owner’s deposit accounts and each of account owner’s loan agreements continue to apply notwithstanding anything to the contrary in this agreement.

Rules, Laws and RegulationsYou agree to abide by and comply with all local, state, and federal rules, laws and regulations. These rules include but are not limited to Regulation CC “Expedited Funds Availability Act”, its Subparts B, C and D (Subpart D implements the Check Clearing for the 21st Century Act (Check 21 Act). The Bank Secrecy Act (BSA), and laws administered by the United States of America which are in existence as of the date of this agreement and as amended from time to time.

Definitions. In addition to all the other terms defined herein, the following terms shall have the following meanings:
1. “We”, “Our”, “Us”, and “Bank” shall mean Old Point National Bank, its employees, directors, officers, 
    representatives, and agents.
2. “You”, “Your”, and “Account Owner” shall mean the account holder authorized by Bank to 
    use the Mobile Deposit, and any user authorized to exercise control over funds 
    deposited in account owner’s account through the Mobile Deposit program.
3. “Account” or “Accounts” shall mean the individual checking, savings account(s) deposited 
    with Bank through the Mobile Deposit program.
4. “Check” or “Checks” shall mean negotiable demand draft(s) drawn or payable through an 
    office of a United States based financial institution, as well as demand draft(s) drawn on a 
    Federal Reserve Bank or a Federal Home Loan Bank or on the Treasury of the United States. 
    Check(s) include original check(s) and substitute check(s). Check(s) do not include noncash 
    items payable in a medium other than United States dollars. A draft may be a check even 
    though it is described on its face by another term, such as “money order.”
5. “Image item” means digitized image(s) of check(s) that are created by you and transmitted to 
    the Bank using the services.
6. “Services” means any of the Mobile Deposit functions offered and or used by you in 
    connection with this agreement, including optional and future services added by an addendum.
7. “System” means the program that is maintained by the Bank, or other third parties, that you 
    connect to through the internet in order to access the services.

Services and Funds Availability. You may use the services to deposit checks into your account(s) with the Bank, subject to the terms of this agreement. Checks deposited through the services will be converted to image items for processing. The services are subject to transaction limitations and the Funds Availability Disclosure, as set forth in the Account Agreement and Truth-In-Savings disclosure, which govern the use of your account. We are notifying you in advance that deposits made by the Mobile Deposit program do not fall under the standard provisions of Regulation CC – Expedited Funds Availability Act. As such, longer hold periods may apply. You agree to receive notice of extended hold times via the e-mail address provided in your Account Application. The maximum single Mobile Deposit item is $2,500 and the maximum daily total Mobile Deposit amount is $5,000.


Returned Deposits. Any credit to your account using Mobile Deposit is provisional. If a check deposited through Mobile Deposit is dishonored, rejected, or otherwise returned as unpaid by the drawee bank, or the item is rejected, or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you.  We may debit any of your accounts with us to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Account owner Eligibility. You understand that you must be an Old Point National Bank account owner in good standing, and meet other pre-determined qualifying factors to qualify for the services. To determine if you are eligible for these Services, visit any Old Point branch or contact us at 1.800.952.0051.

Access. To use Mobile Deposit, you must have a compatible mobile device with our system, access to telecommunication services necessary for the Mobile Remote Deposit service. Application upgrades may be required from time-to-time for continued use of the services.

Equipment or System Failure. In the event of a system failure, you agree that, in order to deposit your checks, you must deliver them directly to a Bank branch office for processing. If the checks were scanned prior to the system failure, you must obtain our approval before delivering the checks to a branch office for processing.

Hours of Access. Services are available 24 hours per day, 7 days per week, although some or all services may not be available occasionally due to emergency or scheduled system maintenance. Transmission deadlines and funds availability terms and conditions apply. We agree to post notice of any extended periods of non-availability on the Mobile Banking or Bank website.

Transmission Deadlines. Image item deposits initiated through the System before 5:30 p.m. Eastern Time Monday through Friday are posted to account owner’s account the same day, subject to funds availability. In the event we receive an image item from you after the cutoff time, or on a day that is not a business day, the Image item is considered as received by us at the opening of the next business day. For the Mobile Deposit program a business day is defined as Monday through Friday, except for Federal holidays.  You are responsible for understanding and building into your transmission schedule the changes in transmission windows required by time changes associated with Daylight Savings Time.

Authorized UsersThe Bank shall be entitled to rely on the apparent authority of any person who accesses the services using valid account owner and user login IDs and passwords, including such persons who may not be signers on account owner’s account. Except as otherwise provided by law, you will indemnify Bank and hold it harmless for any loss or expense caused by any person with the apparent authority to access the services. You agree to provide each authorized user a copy of these terms in connection with their use of the services. The Bank may elect to verify the authenticity or content of any transmission by placing a call to any authorized signer on your account at our discretion. We may deny your access to the services without prior notice if we are unable to confirm any person's authority to access the services or if we believe such action is necessary for security reasons.

Security. You understand the importance of your role in preventing misuse of your accounts associated with the Mobile Deposit program, and you agree to promptly examine your paper or electronic statement for each of your Bank accounts as soon as you receive it and notify us of any errors in accordance with your Account Agreement. You agree to protect the confidentiality of your accounts and account number and passwords. Data transmitted via the services is encrypted in an effort to provide transmission security. Mobile Deposit utilizes identification technology to verify that the sender and receiver, of transmissions related to the services can be appropriately identified by each other. Notwithstanding our efforts to ensure the services are secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the internet and potentially can be monitored and read by others. We cannot, and do not, warrant that all data transfers utilizing Mobile Deposit or e-mail transmitted to and from us will not be monitored or read by others. You agree to notify us immediately if you believe any passwords have been lost, stolen, used without your permission, or otherwise compromised. Call us immediately at 1.800.952.0051.

 Use of Services. As a condition to using the services, you agree that you are solely responsible for the use of the Services and that you will use the Services in accordance with this agreement. You agree not to attempt to circumvent the security features of the services or the system or make any improper or unauthorized transfer of funds from accounts via the services or the system. You agree that you are prohibited from engaging in conduct that would violate the proprietary rights of the owner(s) of the system and the services as well as accessing or using the system or the services in any other unauthorized manner. You agree to be liable to the Bank and its vendors, for any claims, losses, liabilities, damages, expenses or costs arising as a result of the negligent or intentional misuse of the services or the system by you or your authorized users.

You are prohibited from using the services for any activity that:
1. Would result in you being or becoming a “money service business” as defined in the  
    Bank Secrecy Act and its implementing regulations;
2. Knowingly accepts restricted transactions in connection with another person in unlawful 
    Internet gambling as defined in the Unlawful Internet Gambling Enforcement Act and 
    Regulation GG (Prohibition on Funding of Unlawful Internet Gambling); or
3. Directly or indirectly relates to the use of the services that is illegal or fraudulent.

Deposit of Original ChecksYou agree that no check deposited to the Bank shall cause funds to be debited more than once from the account of the maker. You agree that once deposited, the original check, a duplicate check image, or any copy of the original check or check image will not be deposited by you with the Bank (unless we instruct you to do so) or under any circumstances with any other financial institution.

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty (30) calendar days after the day of deposit (“Retention Period”). After you receive a message indicating the deposit was successful, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the account owner.

Destruction of Original ChecksYou will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the account owner.

Account Owner Representations and Warranties. You represent and warrant that all checks transmitted through the use of the services are made payable to the account owner, all signatures and endorsements on each check are authentic and authorized, and that each check has not been altered.

Prohibited Checks. You agree that checks scanned through the use of the services will not;
• be payable to any person or entity other than you;
• be prohibited by, or received in violation of, any law, rule or regulation;
• be known or suspected (or should have known or suspected) as fraudulent or otherwise 
   authorized by the owner of the account on which the check is drawn;
• have been previously cashed or deposited;
• be postdated or more than six (6) months old;
• be payable to cash;
• be irregular in any way;
• be drawn on financial institutions that are located outside the United States.

Endorsement of Checks. You agree to properly endorse each check prior to submitting such check through the use of the services. Checks deposited through mobile deposit should be endorsed “For Mobile Deposit Only” along with the payees signature.

Image Quality. You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Bank. Specifically, you are representing and warranting to the Bank that:

a. The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit Bank to:
     1.  Acquire rights of a holder in due course in the collection process of checks and other items;
     2.  Handle, process, maintain and destroy imaged checks; and
     3.  Ensure that neither Bank nor any other financial institution (depositary, collecting or payor), 
          drawee, drawer or endorser receives presentment or return of, or otherwise is charged for a 
          check or image item more than once in any form.

b. Each image item (or related electronic data file) contains a record of all MICR line (special characters printed on the bottom of a check) information required for a substitute check and otherwise satisfies all of the requirements of the American National Standards Institute (ANSI) X9.37 standards for image quality required by Check 21 and Regulation CC for the creation and/or transferring of a substitute check created from that Image item.

Adjustments We reserve the right to adjust your deposit after you have submitted it for processing. Adjustments are only to correct mistakes in the value of image items deposited, mistakes in encoding, or for missing or illegible image items.

Termination. We are permitted to terminate any or all of the services immediately should you breach any part of this agreement or of the account ownership agreement. We are also permitted to terminate any or all of the services immediately if we are no longer able to provide such services.

Confidentiality. You acknowledge that we will disclose information to third parties about your account or the image items you deposit to enable your access to the services and the system; when it is necessary for completing deposits, and as required by law.


NOTE: Items deposited using Mobile Deposit are subject to our verification and final inspection process. We may at any time return a deposited image item without prior notice to you. We are under no obligation to inspect or verify any image item to determine accuracy, legibility or quality of the image item or MICR line information associated with the image item, or for any other purpose. However, we may correct or amend MICR line information associated with an image item to facilitate processing of the image item or a substitute check created from that image item. We may process and collect an image item or a substitute image item through one or more check clearing houses, Federal Reserve Banks, or other private clearing agreements with other financial institutions. We may hold and use funds in any deposit account of yours following termination of this Agreement and the services for such time as we reasonably determine to be necessary for us to be assured that no image item processed by us prior to termination may be returned, charged back, or otherwise become a source or cause for any loss, liability, cost, exposure or other action for which the Bank may be responsible, with such right being in addition to any other rights we may have with respect to your accounts. Without limitation, you recognize that under the Rules, the UCC, Regulation CC and the rules of any image exchange network, our representations and warranties to others with regards to image items and substitute checks may expose the Bank to claims for several years following processing of any particular image item or substitute check.

a. If a payor financial institution returns an image item to us for any reason, we may charge your 
    applicable account for the returned image item, whether or not the return is timely and proper, 
    and we may further either:

                1.  Return the image item to you; or

                2.  Re-present it to the payor financial institution before returning it to you.


Items may be returned either as image items, or substitute checks. If a payor financial institution or other third party makes a claim against us or seeks a recredit with respect to any image item processed, we may provisionally freeze or hold aside a like amount in the applicable account pending investigation and resolution of the claim;

b. We may immediately suspend the services or the system or the processing of any check or 
    corresponding electronic image item if we have reason to believe that there has been a breach 
    in the security of the services or system, fraud involving your account(s) or check(s), or any 
    uncertainty as to the authorization or accuracy of electronic image items, including the right to 
    process electronic image items on a collection basis at any time; and

c. We may refuse to process any non-conforming image items, including without limitation any 
    image items that do not meet the definition of a "check" set forth herein.

Contact InformationNotifications required by this agreement are to be directed to us at the address or phone numbers listed below.

Old Point National Bank

101 E Queen St.

Hampton, VA 23669

Phone 1.800.952.0051


Disclaimer of Warranty and Limitation of 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 Mobile Deposit Services provided to you under this agreement. We do not and cannot warrant that Services will operate without errors, or that any or all services will be available and operational at all times. Except as specifically provided in this agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this and or by reason of your use of or access to Mobile Deposit Services. The Bank shall be responsible only for performing the services expressly provided for in this agreement and shall be liable only for its negligence in performing those services. The Bank shall not be responsible for the account owner's acts or omissions (including without limitation the amount, accuracy, or timeliness of transmittal) or those of any person, including without limitation any Federal Reserve Financial Institution or transmission or communications facility, and no such person shall be deemed the Bank’s agent. The account owner agrees to hold harmless and indemnify the Bank against any claims, damages, loss liability, or expense (including attorney's fees and expense) resulting from or arising out of any claim of any person that the Bank is responsible for any act or omission of the account owner, or any other person described in this paragraph. In no event shall the Bank be liable for any consequential, special, punitive or indirect loss or damage which the account owner may incur or suffer in connection with this Agreement, including without limitation, loss of damage from subsequent wrongful dishonor resulting from the Bank's acts or omissions pursuant to this Agreement. Without limiting the generality of the forgoing provisions, or the provisions of this Agreement, the Bank shall be excused from failing to act or from delay in acting if such failure or delay is caused by legal constraint, interruption of transmission or communication facilities, equipment failure, war, emergency conditions or other circumstances beyond the Bank's control. In addition, the Bank shall be excused from failing to transmit or delay in transmitting a deposit if such transmittal would result in the Bank violating any provision of any present or future risk control program of the Federal Reserve or any rule or regulation of any other United States governmental regulatory authority. Notwithstanding any other provision set forth herein to the contrary, in the event of default under the terms of this agreement by the account owner, the Bank shall have all rights and remedies available at law or in equity.

Governing LawThis Agreement shall be construed in accordance with Virginia law and the laws of the United States of America. We and you agree that jurisdiction over, and venue in any legal proceeding arising out of or relating to this agreement, will exclusively be in the state or federal courts located in Hampton, Virginia.

Severability. If any provision of this agreement is held to be illegal, invalid or unenforceable under present or future laws, the remaining provisions shall remain in full force and effect.

AcceptanceYour use of the services constitutes your acceptance of this agreement. The Bank reserves the right to change the terms for the services described in this agreement by notifying you of such change in writing and we may amend, modify, add to, or delete from this agreement from time to time. Your continued use of the services will indicate your acceptance of the revised agreement.