Digital Wallet Terms and Conditions

You can add a FirstBank debit or credit card (a "FirstBank Card") to your Digital Wallet. We call this the "Wallet," and it refers to your payment-supported Apple or Android device (the "Wallet Provider") that allows you to create virtual representations of your FirstBank Card in order to make payments at the terminals or readers maintained by merchants who accept contactless payments. By using this service, you agree to follow these terms and conditions. The words "you" and "your" refer to the holder of the FirstBank Card. "FirstBank" and "we" refers to FirstBank, the issuer of the FirstBank Card.

You must follow the instructions specified by the provider of the Wallet in order to add your FirstBank Card to the Wallet. Only eligible FirstBank Cards in good standing may be added. You will then be able to conduct transactions at any location where the Wallet is accepted. We have the right to limit the number of supported iOS or android devices to which you can add a FirstBank Card. In certain instances, we may permit a FirstBank Card of up to two FirstBank Card Holders to be added to one supported device.

You are solely responsible for maintaining the confidentiality of your Wallet and the means by which any Wallet application may be accessed. If you share these credentials with another person, they may be able to conduct transactions with your Wallet. You must call FirstBank immediately at 303-237-5000 if you believe your device credentials have been lost, stolen or compromised in any way or an unauthorized person has used or may use your credentials without authorization. A FirstBank Card can be removed from the Wallet by following the procedures supplied by the Wallet Provider. We can also block purchases with a FirstBank Card in the Wallet at any time.

You will be responsible for all fees imposed in connection with the use of your Wallet. This will include fees such as data usage or text messaging charges imposed by your wireless carrier. We do not currently charge a fee for using a FirstBank Card with a supported device.

You will be subject to any restrictions that third parties may impose regarding the use of your Wallet. You will also be subject to any third party agreement you may have with your wireless carrier, the Wallet Provider, and any third party website or provider. We are not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of the Wallet Provider's or any third party's products or services.

We will have the right to send you electronic communications and disclosures in connection with this service. You consent to this and also agree that we can contact you by email at any email address you provide to us in connection with any of your FirstBank accounts or services. You agree to notify us with updated contact information when changes occur.

We collect certain information from the Wallet Provider to verify your identity and to enable you to use the FirstBank Card. You authorize us to collect, use and share your information in accordance with the applicable FirstBank privacy notice and online privacy statement as amended from time to time. The FirstBank online privacy statement is available at www.efirstbank.com. We do not have any control over the privacy and security of information that you provide to the Wallet Provider.

These terms and conditions are governed by the laws of the State of Colorado except to the extent superseded by federal law. Disputes arising out of your use of this service will be subject to the alternative dispute procedures contained in the FirstBank Deposit Account Agreement and the applicable cardholder agreement for the FirstBank Card. We may terminate this service at any time without notice. We may also change these terms and conditions at any time. We will provide notice by posting on efirstbank.com or sending an electronic notice to you at any email address or telephone number you provide to us. You will not be able to change these terms and conditions, but you can terminate this service at any time by removing all FirstBank Cards from the Wallet.

If you have questions, disputes, or problems with the Wallet, contact the Wallet Provider. If you have questions, disputes, or problems concerning the FirstBank Card, you should contact us at 303-237-5000.