FNBO Connect Agreement

Accepting this Agreement. By accessing the FNBO Connect Site (the "Site"), you are agreeing that you: (1) agree to all of the terms and conditions of this FNBO Connect Agreement ("Agreement") between you and First National Bank of Omaha (FNBO®); (2) will abide by the terms and conditions of this Agreement; and (3) will not use the Site or any information in or from the Site for any purpose or transaction that is unlawful or prohibited by the partner agreement between us and your employer.

The Parties to this Agreement. In this Agreement, the words "you" and "your" refer to the employee that accesses this Site on behalf of his or her employer. The words "we," "our" and "us" refer to First National Bank of Omaha (FNBO). You may not transfer, assign or delegate your rights or duties under this Agreement and your use of the Site is subject to the partner agreement between us and your employer.

Site Availability. The Site will generally be available 24 hours per day, seven days per week, except for scheduled maintenance. The Site may be unavailable at other times. We reserve the right to temporarily or permanently terminate your access to the Site, in whole or in part, at any time, with or without cause and without prior notice to you. We may also suspend or discontinue the Site at any time. If the partner agreement between us and your employer is terminated, this Agreement will automatically terminate on the same date and you agree to stop accessing the Site as of that date.

Changes to the Site and this Agreement. You acknowledge that the functionality of the Site may change over time. You further acknowledge that we may unilaterally change the terms of this Agreement at any time. Changes to the Site or this Agreement will be automatically effective without the necessity of giving notice to or obtaining your consent. Each time you access the Site, you are confirming your consent to this Agreement, including any changes to this Agreement. Access to the Site is not, however, necessary for a change in terms to be effective.

Security of Password. You agree not to share your user ID and password with anyone. You agree to notify us immediately if your user ID or password is lost or stolen. If any unauthorized use of any user ID or password occurs, you agree to cooperate with us in our review of such incident. We will consider any access using a user ID and password to have been authorized by you. Our records will be final and conclusive in all questions concerning whether or not any user ID or password was used in connection with a particular transaction.

Copyright and Trademarks. We retain title, all intellectual and proprietary rights (including, without limitation, patent, copyright, trademark and trade secret rights), and all other rights in and to the Site, all information, resources, content, tools, services and other features accessible on the Site, all our business methods and processes, and all modifications, improvements, enhancements and new functionalities added to any of the foregoing. Except for the access and usage privileges that we specifically grant to you in and subject to this Agreement, nothing shall be deemed to grant you any right, title, interest or license in or to any of the foregoing. All privileges granted to you are limited, non-exclusive, non-transferable, and revocable. Except as otherwise expressly stated herein, our intellectual property (including, without limitation, patent, copyright, trademark and trade secret rights) may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent.

Information Accuracy. The information contained in or accessed through the Site is provided "as is" and "as available." It is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. We may change our products, services, terms, conditions and pricing at any time without notice and without first updating information on the Site. The Site may contain links to external websites; we are not responsible for the content, accuracy, or opinions expressed in such websites.

Limitation of Liability and Disclaimer. Neither we nor any third party data provider is providing any warranties and representations regarding the Site. We and all third party data providers disclaim all warranties and representations of any kind with regard to the Site including freedom from viruses or other harmful code. We do not guarantee that access to the Site will be uninterrupted or error free. We are not responsible for problems with any devices you use to access the Site or for losses or errors that occur during the transmission of information to or from us. Nothing on the Site is intended to be legal, accounting, tax or financial advice; you should consult your own professional advisors on such matters.