Banking Valet Terms of Use

Welcome to the Primis Banking Valet mobile application. Before we begin our journey together, please read these Terms of Use (“Terms”). These Terms form a binding agreement between you and Primis Bank and govern your access to and use of the Primis Banking Valet mobile application (the “Mobile App”) and the services, features, content, and functionality made available through the Mobile App (collectively, the “Services”).

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE MOBILE APP OR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT USE THE MOBILE APP OR THE SERVICES.

Primis Bank may update or modify these Terms at any time by posting a revised version within the Mobile App. The “Last Revised” date at the top of these Terms indicates when changes were most recently made. All changes are effective upon posting unless a later effective date is stated. Your continued use of the Mobile App or Services after any changes are posted constitutes your acceptance of the updated Terms.

Primis Bank may also provide notices, disclosures, and updates related to the Mobile App or Services electronically, including within the Mobile App itself. Additional agreements—such as your deposit account agreement, electronic communications consent, and the Primis Privacy Notice—may apply to your use of the Mobile App and Services. In the event of a conflict, those agreements will govern to the extent applicable.

1. Services

If you are an accountholder with Primis Bank, the Mobile App may allow you to request or receive certain banking‑related services at your location within designated service areas, including fulfillment, delivery, and other mobile‑enabled features (collectively, the “Services”). All Services are provided by Primis Bank or its authorized service providers. Primis Bank may introduce, modify, or discontinue features or functionality of the Services at any time by updating the Mobile App.

Your use of the Services is subject to these Terms and to:

• any additional terms, disclosures, or guidelines presented to you within the Mobile App;
• your applicable account agreements with us; and
•  the Primis Bank Online Banking Agreement. If there is a conflict between these Terms and any of the foregoing agreements, the other agreements will govern to the extent applicable.

The Mobile App and Services are offered only to persons located in the United States. You are responsible for complying with all applicable laws and regulations. You may not use, export, or re‑export the Mobile App or any materials or technology associated with it in violation of U.S. export laws or economic sanctions. By using the Mobile App, you represent and warrant that you are not located in, and are not a resident of, any jurisdiction subject to U.S. embargoes or sanctions, and that you are not a person or entity prohibited from receiving U.S.‑origin technology.

Primis Bank may refuse, delay, or restrict any transaction or request that:

• is inconsistent with these Terms or any applicable account terms;
• appears unauthorized, fraudulent, or suspicious;
• is subject to legal process, regulatory requirements, or risk‑management controls; or
• is otherwise deemed necessary for your protection or the protection of the Bank.

Primis Bank is not responsible for any failure, delay, or unavailability of the Services resulting from system maintenance, outages, or circumstances beyond our reasonable control, including but not limited to telecommunications failures, power outages, natural disasters, or other events of force majeure. The Mobile App is provided as a convenience and is not a substitute for your account statements or other official records maintained by the Bank.

2. Prohibited Uses

The Services and content available through the Mobile App may change at any time without notice. Eligibility for specific products or Services is subject to Primis Bank’s review and approval. You agree to use the Mobile App and Services only for lawful purposes and in a manner that does not interfere with, restrict, or inhibit any other person’s use or enjoyment of the Mobile App.

You may not engage in any conduct that is abusive, harassing, defamatory, obscene, offensive, threatening, or otherwise objectionable. You may not disrupt, interfere with, or negatively affect the normal operation, security, or integrity of the Mobile App or Services.

You may not use the Mobile App or any content within it for marketing, advertising, or promotional purposes without Primis Bank’s express written consent.

In addition, you may not use the Mobile App or Services to:

• Engage in any activity that is fraudulent, harmful, unlawful, indecent, hateful, or otherwise prohibited by applicable law.
• Upload, transmit, or distribute malware, viruses, worms, or any other harmful code or materials intended to damage, interfere with, or disrupt the Mobile App, Services, or any related systems.
• Send unsolicited messages, solicitations, promotions, or spam of any kind.
• Access or attempt to access the Mobile App or Services in any unauthorized, illegal, harmful, or disruptive manner, including through automated means or by circumventing security measures.
• Attempt to probe, scan, or test the vulnerability of the Mobile App or any related system or network.
• Impersonate any person or entity or misrepresent your identity or affiliation with any person or entity.

Primis Bank reserves the right to monitor use of the Mobile App and Services and to take any action it deems appropriate—including restricting or terminating access—if prohibited conduct is detected or suspected.

3. Copyright and Intellectual Property

The Mobile App and all content accessible through or generated by it—including text, software, graphics, images, logos, trademarks, service marks, and other materials (collectively, “Content”)—are owned by or licensed to Primis Bank and are protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, Primis Bank grants you a limited, personal, nonexclusive, nontransferable, nonsublicensable, and revocable license to access and use the Mobile App, Content, and Services for your personal, non‑commercial use. This license does not include any right to:

• copy, reproduce, modify, adapt, translate, create derivative works from, publicly display, publicly perform, distribute, transmit, publish, scrape, or frame the Mobile App or any Content;
• use the Mobile App or Content for any commercial purpose;
• reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Mobile App; or
• remove, obscure, or alter any copyright, trademark, or other proprietary notices appearing on the Mobile App or Content.

You may print or electronically save a copy of these Terms or limited portions of the Content solely for your personal records. Any use of the Mobile App or Content not expressly permitted by these Terms is prohibited and constitutes a violation of Primis Bank’s intellectual property rights and those of its licensors.

Except for the limited license expressly granted above, no rights, title, or interest in or to the Mobile App or Content are transferred to you. All rights not expressly granted are reserved by Primis Bank and its licensors.

4. User Submissions

“Submissions” include any content you post, upload, submit, transmit, or otherwise make available through or in connection with the Mobile App or the Services, including comments, reviews, feedback, ideas, suggestions, or other materials.

By providing any Submission, you grant Primis Bank a royalty‑free, perpetual, irrevocable, worldwide, transferable, sublicensable, and nonexclusive license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display, and otherwise exploit the Submission, in whole or in part, in any form, media, or technology now known or later developed, for any purpose and without compensation to you. You acknowledge that Primis Bank has no obligation to use any Submission and that no Submission will be treated as confidential.

You agree that Primis Bank may use your Submissions for any lawful business purpose, including product development, marketing, and advertising, without attribution, approval, or notice, and without incurring any liability or obligation to you.

Primis Bank does not endorse, control, or assume responsibility for any Submissions posted by users. You are solely responsible for your Submissions and for ensuring that they comply with these Terms and all applicable laws.

5. User Restrictions for Submissions

You may not post or submit any content that:

• is unlawful, fraudulent, misleading, defamatory, obscene, offensive, harassing, threatening, hateful, or otherwise objectionable;
• infringes or violates any copyright, trademark, trade secret, privacy, publicity, or other proprietary rights;
• contains malware, viruses, worms, or other harmful code;
• includes unsolicited promotions, advertisements, or spam;
• impersonates any person or entity or misrepresents your affiliation with any person or entity;
• violates any applicable law, regulation, or industry standard; or
• disrupts or interferes with the operation, security, or integrity of the Mobile App or Services.

Primis Bank reserves the right, but not the obligation, to monitor, review, remove, or disable access to any Submission at its sole discretion.

6. Disclaimer

THE MOBILE APP, THE SERVICES, AND ALL CONTENT, MATERIALS, AND LINKS AVAILABLE THROUGH THE MOBILE APP ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND. PRIMIS BANK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, NON‑INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

PRIMIS BANK DOES NOT WARRANT THAT THE MOBILE APP OR SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR‑FREE, ACCURATE, COMPLETE, CURRENT, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. PRIMIS BANK IS NOT RESPONSIBLE FOR ANY INACCURACIES, ERRORS (INCLUDING TYPOGRAPHICAL ERRORS), OMISSIONS, OR RESULTS OBTAINED FROM THE USE OF THE MOBILE APP, SERVICES, OR CONTENT.

ANY CONTENT OR INFORMATION OBTAINED THROUGH THE MOBILE APP IS PROVIDED FOR GENERAL INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON FOR PERSONAL, LEGAL, TAX, ACCOUNTING, OR FINANCIAL DECISIONS. YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR ADVICE SPECIFIC TO YOUR SITUATION.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT PRIMIS BANK AND ITS LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE MOBILE APP, SERVICES, OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IF YOU ARE DISSATISFIED WITH THE MOBILE APP, SERVICES, OR ANY PORTION OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE MOBILE APP AND SERVICES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

7. External Links

The Mobile App may contain links to third‑party websites or resources. These links are provided solely for your convenience. Such websites are not owned, controlled, operated, or endorsed by Primis Bank, and Primis Bank is not responsible for the content, products, services, accuracy, completeness, availability, or security of any third‑party sites.

Your access to and use of third‑party websites is entirely at your own risk. Primis Bank makes no representations or warranties regarding any third‑party website, including without limitation any representations or warranties about the accuracy, legality, reliability, or security of such sites or the content contained therein. Primis Bank is not responsible for any loss, damage, or other liability arising from your use of or reliance on any third‑party website or resource.

8. Restricted Access

Primis Bank may restrict, suspend, or terminate access to all or any portion of the Mobile App or Services at any time and for any reason, including for security, maintenance, fraud prevention, or operational needs.

If you are provided with a username, password, security questions, authentication codes, or any other credentials used to access the Mobile App or Services (“Credentials”), you are responsible for maintaining the confidentiality and security of those Credentials. Your Credentials must not be shared with, or used by, any other person. You agree to use your own Credentials only and to access only those accounts for which you have proper authorization.

If you believe that your Credentials have been lost, stolen, compromised, or used without authorization, you must notify us immediately. You are responsible for all activity conducted using your Credentials until we have received notice from you and have had a reasonable opportunity to act on that notice.

Primis Bank is not responsible for any damages or losses resulting from your failure to safeguard your Credentials or to comply with any security procedures we establish. We reserve the right to monitor, review, and block access to the Mobile App or Services at our discretion, including when suspicious or unauthorized activity is detected.

9. User Profile

You agree to provide complete, accurate, and current information about yourself and your accounts, including your name, mailing address, email address, phone number, and any other information requested by Primis Bank (“User Profile”). You are responsible for keeping your User Profile information up to date at all times.

By providing your contact information, you authorize Primis Bank to communicate with you by email, text message, push notification, or other electronic means as necessary to provide the Services, deliver required notices, or contact you regarding your accounts. We may send communications to any email address or phone number you have provided in your User Profile. Use of your User Profile information is also governed by our Privacy Policy.

Email is not a secure method for transmitting sensitive or confidential information. You may not use email to update your User Profile, change your Credentials, request or authorize transactions, or transmit personal financial information such as account numbers or Social Security numbers. Primis Bank will never ask you to send sensitive personal information by email, and we will not act on instructions submitted through email that involve account changes, security updates, or financial transactions.

You are responsible for reviewing and responding to communications we send to you. Primis Bank is not responsible for any losses or delays resulting from your failure to maintain accurate contact information or to monitor communications sent to you.

10. Privacy Notice

If you wish to learn about our privacy policy, please check the following link. The privacy policy also governs your access to the Mobile App and use of the Services.

Your access to and use of the Mobile App and Services is also governed by the Primis Bank Privacy Policy. The Privacy Policy describes how we collect, use, share, and protect your personal information. By using the Mobile App or Services, you acknowledge and agree that your personal information will be handled in accordance with the Privacy Policy.

To review our Privacy Policy, please visit the link provided within the Mobile App or on our website. The Privacy Policy is incorporated into these Terms by reference.

If there is any conflict between these Terms and the Privacy Policy with respect to the collection, use, or disclosure of personal information, the Privacy Policy will control.

11.  Dispute Resolution

These Terms, and any dispute arising out of or relating to the Mobile App, the Services, or your use of them, are governed by the laws of the United States and the Commonwealth of Virginia, without regard to conflict‑of‑law principles.

Any legal action or proceeding arising out of or relating to these Terms must be brought exclusively in the state or federal courts located in the Commonwealth of Virginia. You and Primis Bank consent to the personal jurisdiction and venue of those courts and waive any objection to such jurisdiction or venue, including objections based on forum non conveniens.

If any provision of these Terms is determined to be unlawful, void, or unenforceable, that provision will be deemed severable and will not affect the validity or enforceability of the remaining provisions. These Terms constitute the entire agreement between you and Primis Bank regarding the subject matter addressed herein. However, additional terms and conditions presented within the Mobile App or applicable to specific Services will govern those Services to the extent of any conflict.

12. Site Safety, Access, and Premises Responsibility

When you request mobile courier services through the Mobile App, you acknowledge that Primis Bank personnel, authorized service providers, and third‑party agents (“Service Personnel”) may enter your premises to perform deposit pickup, pouch exchange, hardware access, or other related cash‑management activities (“Cash Services”). You agree to provide timely, safe, and unobstructed access to all areas reasonably required for the performance of Cash Services.

You are solely responsible for ensuring that all areas used by Service Personnel—including entrances, exits, parking areas, walkways, interior corridors, and spaces surrounding safes, drop boxes, or other hardware—are maintained in a safe, clean, and hazard‑free condition. This includes, without limitation:

• clear and unobstructed access paths
• dry, stable, and non‑slippery floor surfaces
• adequate lighting and visibility
• properly functioning doors, locks, and access points
• absence of trip hazards, spills, debris, or weather‑related hazards
• safe electrical and structural conditions
• absence of aggressive animals or threatening individuals

You acknowledge that Service Personnel enter your premises at your invitation and that you maintain control over the condition of the premises. You assume full responsibility for maintaining safe premises and are liable for any injury, loss, or damage suffered by Service Personnel arising from unsafe or hazardous conditions within your control.

Primis Bank and its Service Personnel may refuse, delay, or suspend Cash Services if, in their reasonable discretion, site conditions are unsafe or access is impaired. Any such refusal, delay, or suspension does not constitute a breach of these Terms, and Primis Bank will not be liable for any resulting delays in deposit processing or courier activity.

You agree to indemnify, defend, and hold harmless Primis Bank, its affiliates, officers, employees, contractors, and agents from and against any claims, damages, liabilities, losses, or expenses (including reasonable attorneys’ fees) arising out of or related to unsafe premises conditions or your failure to comply with the obligations set forth in this section. This indemnification obligation survives termination of the Services.