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DEBIT CARD CONTROLS TERMS & CONDITIONS

These Debit Card Control Terms and Conditions (the “Agreement”) sets for the terms and conditions for the Debit Card Controls Service (the “Service”). By enrolling in the Service, you acknowledge that you have read, understand and agree to be bound by the terms of this Agreement. The Service is offered by Old National Bank (referred to herein as "ONB", "us", "we" or "our"). The Service is one of the “Services” under the Digital Banking Services Agreement and your use of this Service is governed by the terms and conditions of the Digital Banking Services Agreement as well as the Deposit Account Agreement and Disclosures. If the terms and conditions of this Agreement conflict with the terms and conditions contained in the Digital Banking Services Agreement or the Deposit Account Agreement and Disclosures, the terms and conditions of this Agreement will control. Capitalized terms used and not otherwise defined in this Agreement will have the meanings given in the Digital Banking Services Agreement.

Service Description

The Service is designed to allow you to temporarily or permanently disable your debit card in the event it is misplaced, lost, or stolen. The Service may also be used to send transactions alerts via SMS notifications. Access to the Services is limited to Mobile Banking. The Service does not allow for the cancellation of authorized or pre-authorized debit card transactions. It is not intended as a method for stopping payment on authorized or pre-authorized transactions. All transactions for which there is a prior authorization will be paid by ONB. This applies to authorizations made in both card present and card not present situations, and in cases of pre-authorized recurring transactions. Pre- authorized recurring transactions must be stopped in accordance with the agreement made with the merchant involved in the pre-authorizations.

Fees

ONB does not charge for use of the Service. However, in order for Transaction Alerts to be sent to your mobile telephone number(s), you must (i) own a two-way text message (or "SMS") capable mobile phone that is registered on a carrier network, (ii) have enrolled in a data plan that includes use of your mobile handset’s SMS capabilities and (iii) ensure that your account remains in good standing with your wireless service carrier. You hereby acknowledge and agree that standard text messaging rates apply for each text message sent from and received by your mobile phone as determined by your wireless service carrier. You are solely responsible for such charges and any other charges from your wireless service carrier. You should contact your wireless service carrier for complete pricing details.

Transaction Alerts

Following your registration to receive Transaction Alerts sent to your mobile telephone number(s), most alerts will be sent in near real-time however the actual time between a transaction made with your Card that triggers a Transaction Alert and the time you receive such Transaction Alert is dependent on your wireless carrier’s service and coverage within the area in which you are physically located at that time. Your receipt of Transaction Alerts may not be available in all areas.

Eligibility

The Service is only available to individuals who are: (i) of legal age of majority in their jurisdiction of residence (and at least 18 years of age); and (ii) own a ONB debit card that is in good standing and eligible for the Service ("Card"). Note: Eligibility of a Card will be determined by us in our sole and absolute discretion. Our decisions with respect to your eligibility are final and binding. We reserve the right to terminate your participation in the Service at any time. The user must qualify for online banking and mobile services in order to use the Service. The user must adhere to the terms and conditions outlined in the Deposit Account Agreement and Disclosures, which governs your Card and associated account, and the Digital Banking Services Agreement, which governs your use of Mobile Banking.

No Amendment of Existing Terms and Conditions For Cards

THE TRANSACTION ALERTS THAT ARE PROVIDED TO YOU THROUGH THIS SERVICE DO NOT AMEND, SUPPLEMENT, CHANGE OR REPLACE ANY OTHER NOTICE OR INFORMATION THAT YOU MAY RECEIVE IN CONNECTION WITH YOUR CARD ACCOUNT, INCLUDING, BUT NOT LIMITED TO, ANY INFORMATION PROVIDED TO YOU ON YOUR PERIODIC STATEMENT OR CARDMEMBER AGREEMENT.

Availability of Service

While we will make every effort to decline transactions while your card is in a deactivated state, we cannot guarantee that all such transactions will be declined due to circumstances beyond our control. You acknowledge that the deactivation function is reliant on computer and/or telecommunication systems. Disruptions to these systems may result in the authorization of transactions, even when the card is in a deactivated state. Reactivation of cards may be unavailable during certain times of the day. We will attempt to notify you of these times. You are responsible for monitoring your Accountactivity, whether electronically or by checking your statements. Use of the Service does not override the user’s responsibility to report unauthorized transactions in a timely manner as described in the Deposit Account Agreement and Disclosure. We assume no responsibility for failure of the Service to work in the expected manner, aside from the responsibilities put forth in said agreement.

Amendments

We may change this Agreement at any time. We may add new terms and conditions and we may delete or amend the existing terms and conditions. We will notify you of any such changes if required by Applicable Law, and your continued use of the Services constitutes your agreement to any such changes.

Termination

We may terminate or suspend the Service, or your use of the Service, at any time. You may terminate your use of the Service at any time through the card control application. It is your responsibility to ensure all card controls and alerts are set at OFF. Without limiting the foregoing, this Agreement may be terminated if you breach any term of the Agreement, if you use the Services for any unauthorized or illegal purposes or you use the Services in a manner inconsistent with the terms of your Deposit Account Agreement and Disclosures or any other Agreement with us.