External Transfer and Send Money with Zelle® Payments Services

Page 1 of 29 April 2023

External Transfer and Send Money with Zelle

Payments Services

Terms and Conditions

Part I: GENERAL TERMS FOR EACH SERVICE

1.1. Introduction. This Terms of Service document (hereinafter "Agreement") is a contract between you and TD

BANK, N.A. (hereinafter "we" or "us") in connection with each service that is described in the rest of this

Agreement that applies to services you use from us, as applicable (each, a "Service") offered through our online

banking site or mobile applications (the "Site"). The Agreement consists of these General Terms for Each Service

(referred to as "General Terms"), and each set of Terms that follows after the General Terms that applies to the

specific Service you are using from us. This Agreement applies to your use of the Service and the portion of the

Site through which the Service is offered.

1.2. Service Providers. We are offering you the Service through one or more Service Providers that we have

engaged to render some or all of the Service to you on our behalf. However, notwithstanding that we have

engaged such a Service Provider to render some or all of the Service to you, we are the sole party liable to you

for any payments or transfers conducted using the Service and we are solely responsible to you and any third

party to the extent any liability attaches in connection with the Service. You agree that we have the right under

this Agreement to delegate to Service Providers all of the rights and performance obligations that we have under

this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement and will be

entitled to all the rights and protections that this Agreement provides to us. Service Provider and certain other

capitalized terms are defined in a "Definitions" Section at the end of the General Terms. Other defined terms are

also present at the end of each set of Terms that follow after the General Terms, as applicable.

1.3. Amendments. We may amend this Agreement and any applicable fees and charges for the Service at any time

by posting a revised version on the Site. The revised version will be effective at the time it is posted unless a

delayed effective date is expressly stated in the revision. Any use of the Services after a notice of change or after

the posting of a revised version of this Agreement on the Site will constitute your agreement to such changes and

revised versions. Further, we may, from time to time, revise, update, upgrade or enhance the Services and/or

related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the

right to terminate this Agreement as to all such prior versions of the Service, and/or related applications and

material, and limit access to only the Service’s more recent revisions, updates, upgrades or enhancements.

1.4. Our Relationship with You. We are an independent contractor for all purposes, except that we act as your agent

with respect to the custody of your funds for the Services. We do not have control of, or liability for, any products

or services that are paid for with our Services. We also do not guarantee the identity of any user of the Services

(including but not limited to recipients to whom you send payments).

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1.5. Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without our

prior written consent, which we may withhold in our sole discretion. We reserve the right to transfer or assign this

Agreement or any right or obligation under this Agreement at any time to any party. We may also assign or

delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third

parties.

1.6. Notices to Us Regarding the Service. Except as otherwise stated below, notice to us concerning the Site or the

Services must be sent by postal mail to: TD Bank, N.A., Customer Service Department, Mail Stop NJ5-002-215,

6000 Atrium Way, Mt. Laurel, NJ 08054. We may also be reached at 1-800-493-7562 for questions and other

purposes concerning the Services. We will act on your telephone calls as described below in Section 1.22 of the

General Terms (Errors, Questions, and Complaints), but otherwise, such telephone calls will not constitute legal

notices under this Agreement.

1.7. Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product

message within the Service, emailing it to an email address that you have provided us, mailing it to any postal

address that you have provided us, or by sending it as a text message to any mobile phone number that you have

provided us, including but not limited to the mobile phone number that you have listed in your Service setup or

customer profile. For example, users of the Services may receive certain notices (such as notices of processed

Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile

phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours

after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later

than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures

and you may terminate your consent to receive required disclosures through electronic communications by

contacting us as described in Section 1.6 of the General Terms above. We reserve the right to charge you a

reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to

terminate your use of the Services if you withdraw your consent to receive electronic communications.

1.8. Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a

wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our

Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE

DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity

verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone

calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our

affiliates and agents. Please review our Privacy Policy for more information.

1.9. Receipts and Transaction History. You may view your transaction history by logging into the Service and

looking at your transaction history. You agree to review your transactions by this method instead of receiving

receipts or periodic statements by mail. You will continue to receive statements for your deposit accounts, either

electronically (if you sign up for electronic statements) or in paper form.

1.10. Your Privacy. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better

understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

1.11. Privacy of Others. If you receive information about another person through the Service, you agree to keep the

information confidential and only use it in connection with the Service.

1.12. Eligibility. Except as otherwise provided in Section 3.2(a), the Service is offered only to individual residents of

the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the

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Service is not offered to minors. The Service can only be used to access personal accounts that are active, in

good standing and are eligible for ACH transactions and are not available in connection with commercial or

business-purpose accounts. To sign up for the Service, you must have a United States address, United States

telephone number and an active unique email address. For external account to account transfers, a social

security number is also required. Your telephone number must also be unique to you (and cannot be the same as

a telephone number provided by another user of the Services). For any Eligible Statement Savings Account(s)

(including Money Market Accounts), federal regulations permit the depositor to make no more than a combined

total of six (6) transfers or withdrawals that are pre-authorized, automatic, electronic (including computer initiated),

telephonic, or by check, draft, debit card, or similar order payable to third parties in any monthly period. We may

impose a fee, as disclosed on the fee schedule, for each such withdrawal in excess of six (6) that you make in

any monthly period. These fees will be reflected in your monthly statement. In addition, repeated violations will

result in the Account being closed or changed from a savings type Account to a transaction Account. By using the

Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.

1.13. Prohibited Payments. The following types of payments are prohibited through the Service, and we have the

right but not the obligation to monitor for, block, cancel and/or reverse such payments:

a. Payments to or from persons or entities located in prohibited territories (including any territory outside of the

United States); and

b. Payments that violate any law, statute, ordinance or regulation; and

c. Payments that violate the Acceptable Use terms in Section 1.14 of the General Terms below; and

d. Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids,

controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5)

ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under

applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal

activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence,

racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass

or threaten others; (11) goods or services that include any language or images that are bigoted, hateful,

racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or

solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or

privacy, or any other proprietary right under the laws of any jurisdiction; and

e. Payments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but

not limited to, casino games, sports betting, horse or dog racing, lottery tickets, other ventures that facilitate

gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; and

f. Payments relating to transactions that (1) support pyramid or Ponzi schemes, matrix programs, other "get rich

quick" schemes or multi-level marketing programs, (2) are associated with purchases of real property,

equities, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or

refinance debts funded by a credit card, (3) are for the sale of items before the seller has control or

possession of the item, (4) constitute money-laundering or terrorist financing, (5) are associated with the

following "money service business" activities: the sale of traveler’s checks or money orders, currency dealers

or exchanges (including digital currencies such as bitcoin), or check cashing, or (6) provide credit repair or

debt settlement services; and

g. Tax payments and court ordered payments.

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Except as required by applicable law, in no event shall we or our Service Providers be liable for any claims or

damages resulting from your scheduling of prohibited payments. We encourage you to provide notice to us by

the methods described in Section 1.6 of the General Terms above of any violations of the General Terms or

the Agreement generally.

1.14. Acceptable Use. You agree that you are independently responsible for complying with all applicable laws in all

of your activities related to your use of the Service, regardless of the purpose of the use, and for all

communications you send through the Service. We and our Service Providers have the right but not the obligation

to monitor and remove communications content that we find in our sole discretion to be objectionable in any way.

In addition, you are prohibited from using the Service for communications or activities that: (a) violate any law,

statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a

crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful,

racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right

of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable

or disproportionately large load on our infrastructure; (g) facilitate any viruses, trojan horses, worms or other

computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or

expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or

manual process to monitor or copy the Service or the portion of the Site through which the Service is offered

without our prior written permission; (i) constitute use of any device, software or routine to bypass technology

protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (j) may cause us

or our Service Providers to lose any of the services from our internet service providers, payment processors, or

other vendors. We encourage you to provide notice to us by the methods described in Section 1.6 of the General

Terms above of any violations of the General Terms or the Agreement generally.

1.15. Payment Methods and Amounts. There are limits on the amount of money you can send or receive through

our Service. Your individual limits may be adjusted from time-to-time in our sole discretion. All transfer limits are

subject to temporary adjustments to protect the security of Eligible Transaction Accounts and/or the Payment

Network. You may log in to the Site to view your individual transaction limits by clicking on the information icon to

the right of the amount box within either the External Transfer or Send Money with Zelle

Service, as applicable.

We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf

through the Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to

us the method to return funds to you. These payment methods may include, but may not be limited to, an

electronic debit, a paper check drawn on the account of our Service Provider, or draft check drawn against your

account. TD Bank reserves the right to impose limits on the amount(s) and/or number of transfers (over a period

of time set by us) that you transmit using the Service and to modify such limits from time to time. Please refer to

the table below for details on our general limits:

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External Transfer (account to account to/from other institutions)

Consumer:

Delivery Option Direction Daily Monthly

3 Business Days

Outbound Up to $3,000 Up to $5,000

Inbound Up to $10,000 Up to $20,000

Next Business Day

Outbound Up to $2,500 Up to $4,000

Inbound Up to $7,500 Up to $15,000

Send Money with Zelle

(send money to/from other people)

Consumer:

Delivery Option Direction Daily Monthly

Up to 3 Business Days

Outbound Up to $2,500 Up to $10,000

Inbound

(Request Money)

Up to $100,000 Up to $100,000

Within Minutes Outbound Up to $1,000 Up to $5,000

TD Private Client Group:

Up to 3 Business Days Outbound Up to $5,000 Up to $30,000

Within Minutes Outbound Up to $5,000 Up to $30,000

Small Business:

Up to 3 Business Days

Outbound Up to $3,000 Up to $15,000

Inbound

(Request Money)

Up to $100,000 Up to $100,000

Within Minutes Outbound Up to $1,500 Up to $7,500

For External Transfers, there is a $20,000 monthly maximum limit for inbound and outbound transfers

combined. Some inbound transfers can be delivered within minutes, depending on the external financial

institution or brokerage. There are no daily or monthly limits for inbound transfers delivered within minutes, but

external financial institution or brokerage outbound limits will apply. For Consumer Send Money with Zelle

payments, there is a $10,000 monthly maximum limit. For TD Private Client Group, there is a $30,000 monthly

maximum limit. In order to be eligible for these limits, you must be actively enrolled with TD Private Client Group

(to qualify, a Customer should have at least $750,000 in liquid assets or $3,000,000 in total net worth, exclusive of

primary residence).

1.16. Your Liability for Unauthorized Transfers. Immediately following your discovery of an unauthorized Payment

Instruction, you shall communicate with customer care for the Service in the manner set forth in Section 1.6 of the

General Terms above. You acknowledge and agree that time is of the essence in such situations. If you tell us

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within two (2) Business Days after you discover your password or other means to access your account through

which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone

access your account without your permission. If you do not tell us within two (2) Business Days after you learn of

such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or

other means to access your account if you had told us, you could be liable for as much as $500.00. If your

monthly financial institution statement contains payments that you did not authorize, you must tell us at once. If

you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred

without your authorization after the sixty (60) days if we can prove that we could have stopped someone from

taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you

from telling us, we will extend the time periods specified above to a reasonable period.

1.17. Taxes. It is your responsibility to determine what, if any, taxes apply to the transactions you make or receive,

and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not

responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any

taxes arising from any transaction.

1.18. Failed or Returned Payment Instructions. In using the Service, you are requesting that we or our Service

Provider attempt to make payments for you from your Eligible Transaction Account. If the Payment Instruction

cannot be completed for any reason associated with your Eligible Transaction Account (for example, there are

insufficient funds in your Eligible Transaction Account, or the Payment Instruction would exceed the credit or

overdraft protection limit of your Eligible Transaction Account, to cover the payment), the Payment Instruction may

or may not be completed. In certain circumstances, our Service Provider may either advance funds drawn on their

corporate account or via an electronic debit, and in such circumstances will attempt to debit the Eligible

Transaction Account a second time to complete the Payment Instruction. In some instances, you will receive a

return notice from us or our Service Provider. In each such case, you agree that:

a. You will reimburse us or our Service Provider immediately upon demand the amount of the Payment

Instruction if the payment has been delivered but there are insufficient funds in, or insufficient overdraft credits

associated with, your Eligible Transaction Account to allow the debit processing to be completed;

b. You may be assessed a late fee equal to one and a half percent (1.5%) of any unpaid amounts plus costs of

collection by our Service Provider or their third-party contractor if the Payment Instruction cannot be debited

because you have insufficient funds in your Eligible Transaction Account, or the transaction would exceed the

credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment, or if the funds

cannot otherwise be collected from you. The aforesaid amounts will be charged in addition to any NSF

charges that may be assessed by us, as set forth in your fee schedule from us (including as disclosed on the

Site) or your account agreement with us. You hereby authorize us and our Service Provider to deduct all of

these amounts from your designated Eligible Transaction Account, including by ACH debit;

c. We and our Service Provider are authorized to report the facts concerning the return to any credit reporting

agency.

1.19. Address or Banking Changes. It is your sole responsibility and you agree to ensure that the contact

information in your user profile is current and accurate. This includes, but is not limited to, name, physical

address, phone numbers and email addresses. Depending on the Service, changes may be able to be made

within the user interface of the Service or by contacting customer care for the Service as set forth in Section 1.6 of

the General Terms above. We are not responsible for any payment processing errors or fees incurred if you do

not provide accurate Eligible Transaction Account, Payment Instructions or contact information.

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1.20. Information Authorization. Your enrollment in the applicable Service may not be fulfilled if we cannot verify

your identity or other necessary information. Through your enrollment in or use of each Service, you agree that

we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In

addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal

information about you, including without limitation, financial information and transaction history regarding your

Eligible Transaction Account. You further understand and agree that we reserve the right to use personal

information about you for our and our Service Providers’ everyday business purposes, such as to maintain your

ability to access the Service, to authenticate you when you log in, to send you information about the Service, to

perform fraud screening, to verify your identity, to determine your transaction limits, to perform collections, to

comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the

personal safety of subscribers or the public, to defend claims, to resolve disputes, to troubleshoot problems, to

enforce this Agreement, to protect our rights and property, and to customize, measure, and improve the Service

and the content and layout of the Site. Additionally, we and our Service Providers may use your information for

risk management purposes and may use, store and disclose your information acquired in connection with this

Agreement as permitted by law, including (without limitation) any use to effect, administer or enforce a transaction

or to protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability. We

and our Service Providers shall have the right to retain such data even after termination or expiration of this

Agreement for risk management, regulatory compliance, or audit reasons, and as permitted by applicable law for

everyday business purposes. In addition, we and our Service Providers may use, store and disclose such

information acquired in connection with the Service in statistical form for pattern recognition, modeling,

enhancement and improvement, system analysis and to analyze the performance of the Service. The following

provisions in this Section apply to certain Services:

a. Mobile Subscriber Information. You authorize your wireless carrier to disclose information about your

account, such as subscriber status, payment method and device details, if available, to support identity

verification, fraud avoidance and other uses in support of transactions for the duration of your business

relationship with us. This information may also be shared with other companies to support your transactions

with us and for identity verification and fraud avoidance purposes.

b. Device Data. We may share certain personal information and device-identifying technical data about you and

your devices with third party service providers, who will compare and add device data and fraud data from

and about you to a database of similar device and fraud information in order to provide fraud management

and prevention services, which include but are not limited to identifying and blocking access to the applicable

service or Web site by devices associated with fraudulent or abusive activity. Such information may be used

by us and our third-party service providers to provide similar fraud management and prevention services for

services or Web sites not provided by us. We will not share with service providers any information that

personally identifies the user of the applicable device.

1.21. Service Termination, Cancellation, or Suspension. If you wish to cancel the Service, you may contact us as

set forth in Section 1.6 of the General Terms above. Any payment(s) that have begun processing before the

requested cancellation date will be processed by us. You agree that we may terminate or suspend your use of the

Service at any time and for any reason or no reason. Neither termination, cancellation nor suspension shall affect

your liability or obligations under this Agreement.

1.22. Errors, Questions, and Complaints.

a. In case of errors or questions about your transactions, you should as soon as possible contact us as set forth

in Section 1.6 of the General Terms above.

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b. If you think your periodic statement for your account is incorrect or you need more information about a

transaction listed in the periodic statement for your account, we must hear from you no later than sixty (60)

days after we send you the applicable periodic statement for your account that identifies the error. You must:

1. Tell us your name;

2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it

is an error or why you need more information; and,

3. Tell us the dollar amount of the suspected error.

c. If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days after

your oral notification. Except as described below, we will tell you the results of our investigation within ten (10)

Business Days after we hear from you and will correct any error promptly. However, if we require more time to

confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to

complete our investigation. If we decide to do this, we will provisionally credit your Eligible Transaction

Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your

complaint or question in writing and we do not receive it within ten (10) Business Days, we may not

provisionally credit your Eligible Transaction Account. If it is determined there was no error, we will mail you a

written explanation within three (3) Business Days after completion of our investigation. You may ask for

copies of documents used in our investigation. We may revoke any provisional credit provided to you if we

find an error did not occur. For errors involving new accounts or point-of-sale transactions, we may take up to

ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20)

Business Days to credit your account for the amount you think is in error.

1.23. Intellectual Property. All other marks and logos related to the Service are either trademarks or registered

trademarks of us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our

service marks, trademarks, and/or trade dress or those of our licensors. You may not copy, imitate, or use any of

the above without our prior written consent, which we may withhold in our sole discretion, and you may not use

them in a manner that is disparaging to us or the Service or display them in any manner that implies our

sponsorship or endorsement. All right, title and interest in and to the Service, the portion of the Site through which

the Service is offered, the technology related to the Site and Service, and any and all technology and any content

created or derived from any of the foregoing, is our exclusive property or that of our licensors. Moreover, any

suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the

Site or Service shall be considered an uncompensated contribution of intellectual property to us and our licensors,

shall also be deemed our and our licensors’ exclusive intellectual property, and shall not be subject to any

obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or

warrant that the owner of such materials has expressly granted) to us and our licensors a perpetual, royalty-free,

irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform

and display, create derivative works from and distribute such materials or incorporate such materials into any

form, medium, or technology now known or later developed, and you warrant that all so-called "moral rights" in

those materials have been waived, and you warrant that you have the right to make these warranties and

transfers of rights.

1.24. Links and Frames. Links to other sites may be provided on the portion of the Site through which the Services

are offered for your convenience. By providing these links, we are not endorsing, sponsoring or recommending

such sites or the materials disseminated by or services provided by them, and are not responsible for the

materials, services or other situations at or related to or from any other site, and make no representations

concerning the content of sites listed in any of the Service web pages. Consequently, we cannot be held

responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites

listed in any search results or otherwise linked to the Site. For example, if you "click" on a banner advertisement

or a search result, your "click" may take you off the Site. This may include links from advertisers, sponsors, and

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content partners that may use our logo(s) as part of a co-branding agreement. These other sites may send their

own cookies to users, collect data, solicit personal information, or contain information that you may find

inappropriate or offensive. In addition, advertisers on the Site may send cookies to users that we do not control.

You may link to the home page of our Site. However, you may not link to other pages of our Site without our

express written permission. You also may not "frame" material on our Site without our express written permission.

We reserve the right to disable links from any third-party sites to the Site.

1.25. Password and Security. If you are issued or create any password or other credentials to access the Service or

the portion of the Site through which the Service is offered, you agree not to give or make available your

password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by

anyone to whom you have provided such credentials. Sharing your password or credentials with anyone may

result in losses to you. If you believe that your credentials have been lost or stolen or that someone may attempt

to use them to access the Site or Service without your consent, you must inform us at once at the telephone

number provided in Section 1.6 of the General Terms above. See also Section 1.16 of the General Terms above

regarding how the timeliness of your notice impacts your liability for unauthorized transfers.

1.26. Remedies. If we have reason to believe that you have engaged in any of the prohibited or unauthorized

activities described in this Agreement or have otherwise breached your obligations under this Agreement, we may

terminate, suspend or limit your access to or use of the Site or the Service; notify law enforcement, regulatory

authorities, impacted third parties, and others as we deem appropriate; refuse to provide our services to you in

the future; and/or take legal action against you. In addition, we, in our sole discretion, reserve the right to

terminate this Agreement, access to the Site and/or use of the Service for any reason or no reason and at any

time. The remedies contained in this Section 1.26 of the General Terms are cumulative and are in addition to the

other rights and remedies available to us under this Agreement, by law or otherwise.

1.27. Disputes. In the event of a dispute regarding the Service, you and we agree to resolve the dispute by looking to

this Agreement.

1.28. Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total

amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve

the dispute in a cost-effective manner through binding non-appearance-based arbitration. If a party elects

arbitration, that party will initiate such arbitration through Judicial Arbitration and Mediation Services

("JAMS"), the American Arbitration Association ("AAA"), or an established alternative dispute resolution

(ADR) administrator mutually agreed upon by the parties. The parties agree that the following rules shall

apply: (a) the arbitration may be conducted telephonically, online and/or be solely based on written

submissions, at the election of the party initiating the arbitration; (b) the arbitration shall not involve any

personal appearance by the parties, their representatives or witnesses unless otherwise mutually agreed

by the parties; (c) discovery shall not be permitted; (d) the matter shall be submitted for decision within

ninety (90) days of initiation of arbitration, unless otherwise agreed by the parties, and the arbitrator must

render a decision within thirty (30) days of submission; and (e) any award in such arbitration shall be final

and binding upon the parties and may be submitted to any court of competent jurisdiction for

confirmation. The parties acknowledge that remedies available under federal, state and local laws remain

available through arbitration. NO CLASS ACTION, OTHER REPRESENTATIVE ACTION, OR PRIVATE

ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF

ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION. You acknowledge and agree that for any

claims or disputes you assert against Zelle

and Early Warning Services, LLC, Zelle

and Early Warning

Services, LLC are entitled to enforce this provision against you.

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1.29. Law and Forum for Disputes. Unless our account agreement with you states otherwise, this Agreement shall

be governed by and construed in accordance with the laws of the State in which you reside, without regard to its

conflicts of laws provisions. TO THE EXTENT THAT THE TERMS OF THIS AGREEMENT CONFLICT WITH

APPLICABLE STATE OR FEDERAL LAW, SUCH STATE OR FEDERAL LAW SHALL REPLACE SUCH

CONFLICTING TERMS ONLY TO THE EXTENT REQUIRED BY LAW. Unless expressly stated otherwise, all

other terms of this Agreement shall remain in full force and effect. Unless our account agreement with you states

otherwise, you agree that any claim or dispute you may have against us (other than those which are arbitrated

under Section 1.28 of the General Terms above) must be resolved by a court located in the county in which you

reside. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all claims or

disputes unless said claim is submitted to arbitration under Section 1.28 of the General Terms of this Agreement.

The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this

Agreement. TO THE EXTENT ALLOWED BY APPLICABLE LAW, BOTH PARTIES AGREE TO WAIVE ANY

RIGHT TO HAVE A JURY PARTICIPATE IN THE RESOLUTION OF ANY DISPUTE OR CLAIM BETWEEN THE

PARTIES OR ANY OF THEIR RESPECTIVE AFFILIATES ARISING UNDER THIS AGREEMENT.

1.30. Indemnification. You agree to defend, indemnify and hold harmless us and our Affiliates and Service Providers

and their Affiliates and the employees and contractors of each of these, from any loss, damage, claim or demand

(including attorney’s fees) made or incurred by any third party due to or arising out of your breach of this

Agreement and/or your use of the Site or the applicable Service.

1.31. Release. You release us and our Affiliates and Service Providers and the employees and contractors of each of

these, from any and all claims, demands and damages (actual and consequential) of every kind and nature

arising out of or in any way connected with any dispute that may arise between you or one or more other users of

the Site or the applicable Service. In addition, if applicable to you, you waive California Civil Code §1542, which

states that a general release does not extend to claims which the creditor does not know or suspect to exist in his

favor at the time of executing the release, which if not known by him must have materially affected his settlement

with the debtor.

1.32. No Waiver. We shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in

writing and signed by one of our authorized representatives. No delay or omission on our part in exercising any

rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver

on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

1.33. Exclusions of Warranties. THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED

"AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT

LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR

PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS,

UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR

SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES

DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING

DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND

YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

1.34. Limitation of Liability. THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE

ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND

CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH

WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE

SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE

AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT

Page 11 of 29 April 2023

NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE,

WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS INTERNET

DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE

PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM

ARISING FROM OR RELATED TO THE SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY,

INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR

SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY

INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING

LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN

ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF

THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY

FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR

AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE

LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE OR THE PORTION OF THE SITE

THROUGH WHICH THE SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT

FILED IN A COURT OR ARBITRATION PROCEEDING AS DESCRIBED IN SECTIONS 1.28 AND 1.29 OF THE

GENERAL TERMS ABOVE WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE

CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING

FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR

AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND SERVICE

PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD

PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE

LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED

DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR

CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

1.35. Relation to Other Agreements, Severability, Captions, and Survival. The terms of this Agreement are in

addition to other agreements you have with us, including but not limited to, deposit account agreements and

online banking account agreements that governs the Eligible Transaction Accounts enrolled in the Service(s). If

any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the

remaining provisions shall be enforced. The captions of Sections in this Agreement are for convenience only and

shall not control or affect the meaning or construction of any of the provisions of this Agreement. Sections 1.2,

1.5-1.7, 1.11, 1.17, 1.18, 1.23, and 1.26-1.35 of the General Terms, as well as any other terms which by their

nature should survive, will survive the termination of this Agreement. If there is a conflict between the terms of this

Agreement, any applicable Eligible Transaction Account agreements,), the terms of the Eligible Transaction

Account agreement will prevail, unless otherwise stated herein.

1.36. Definitions.

a. "ACH Network" means the funds transfer system, governed by the NACHA Rules, that provides funds transfer

services to participating financial institutions.

b. "Affiliates" are companies related by common ownership or control.

c. "Business Day" is every Monday through Friday, excluding Federal Reserve holidays or other days that banks

are legally closed.

d. "Eligible Transaction Account" is a transaction account from which your payments will be debited, your

Service fees, if any, will be automatically debited, or to which payments and credits to you will be credited,

Page 12 of 29 April 2023

that is eligible for the Service. Depending on the Service, an Eligible Transaction Account may include a

checking, money market or other direct deposit account, credit card account, or debit card account, including

any required routing information.

e. "Payment Instruction" is the information provided for a payment to be made under the applicable Service,

which may be further defined and described below in connection with a specific Service.

f. "Payment Network" means a debit or credit network (such as the ACH Network or ACCEL / Exchange

payment network) through which funds may be transferred.

g. "Service Provider" means companies that we have engaged (and their Affiliates) to render some or all of the

Service to you on our behalf.

Page 13 of 29 April 2023

Part II: EXTERNAL TRANSFER (ACCOUNT TO ACCOUNT TRANSFERS) SERVICE

2.1 Description of Account to Account Transfer Service. The term “Transfer Money Terms” means these Account

to Account Transfers Additional Terms. The Account to Account transfer service (the “Account to Account

Transfer Service”) enables you to transfer funds between your Account(s) that you maintain with us on the one

hand, and your Account(s) that are maintained by other financial institutions, on the other hand.

a. “Small Business Transfers Service” means functionality, to the extent made available by us, that

enables a Business to transfer funds between Account(s) that the Business maintains with us on the

one hand, and Account(s) that the Business maintains with other financial institutions, on the other

hand. Businesses accessing the Account to Account Transfer Service shall be classified as Small

Business Transfers Service users. The Small Business Transfers Service is included in the definition

of “Account to Account Transfer Service”.

b. “Instant Transfers” means functionality, to the extent made available by us, that uses Payment

Networks designed to transfer funds on the same day or sooner between your Account(s) that you

maintain with us on the one hand, and your Account(s) that are maintained by other financial

institutions, on the other hand. Instant Transfers are only available for financial institutions and

applicable Accounts that enabled to send and receive such Instant Transfers. Not all financial

institutions and/or Accounts are available to participate in Instant Transfers. Instant Transfers are not

instantaneous. Payment delivery speed may vary based upon the funds availability policy of each

financial institution, Payment Network availability, or other factors. Instant Transfers are included in

the definition of “Account to Account Transfer Service”.

2.2 Definitions.

The definitions in Section 1.36 above apply to this Section 2 of this Agreement, except as expressly modified

below. In addition, additional defined terms are as follows:

a. “Account” means a checking, money market or savings account that is either an Eligible Transaction Account

or External Account, as applicable. For the Small Business Transfers Service, Accounts include business

checking, money market or savings accounts.

b. “Business” means any person or entity other than a Consumer with an Eligible Transaction Account that

utilizes the Account to Account Transfer Service.

c. “Consumer” means a person (not a business or other entity) with an Eligible Transaction Account primarily for

personal, family or household purposes.

d. “Eligible Transaction Account” is as defined in Section 1.36 above, except that it shall be limited to a

checking, money market or savings account that you hold with us.

e. “External Account” is your account at another financial institution (i) to which you are transferring funds from

your Eligible Transaction Account; or (ii) from which you are transferring funds to your Eligible Transaction

Account.

f. “Transfer Instruction” is a specific Payment Instruction (as defined in Section 1.36) that you provide to the

Service for a transfer of funds.

Page 14 of 29 April 2023

2.3 Authorization and Processing.

a. You represent and warrant that you are either the sole owner or a joint owner of the Eligible Transaction

Account and the External Account and that you have all necessary legal right, power and authority to transfer

funds between the Eligible Transaction Account and the External Account. If you are a joint owner of the

Eligible Transaction Account, External Account, or both, then you represent and warrant that (i) you have

been authorized by all of the other joint owners to operate such Accounts without their consent (including

without limitation to withdraw or deposit any amount of funds to such Accounts or to even withdraw all funds

from such Accounts); and (ii) we may act on your instructions regarding such Accounts without liability to such

other joint owners. Further, you represent and warrant that the External Account is located in the United

States.

b. You may initiate (1) a one-time Transfer Instruction for which processing shall be initiated immediately, (2) a

one-time Transfer Instruction for which processing shall be initiated at a later specified date up to one (1)

year, and (3) a recurring series of Transfer Instructions for which processing shall be initiated on the specified

dates. Options (2) and (3) above are not available for Instant Transfers. Further details about each of these

options can be found on the Site. When we receive a Transfer Instruction from you, you authorize us to (i)

debit your Eligible Transaction Account and remit funds on your behalf to the External Account designated by

you and to debit your applicable Account as described below in Section 2.7 (Account to Account Transfer

Service Fees and Additional Charges); or, as applicable, to (ii) credit your Eligible Transaction Account and

remit funds on your behalf from the External Account designated by you and to debit your applicable Account

as described below in Section 2.7 (Account to Account Transfer Service Fees and Additional Charges). You

also authorize us to reverse a transfer from the applicable Account if the debit is returned from the other

Account in the transaction for any reason, including but not limited to nonsufficient funds. Transfers may be

delayed or blocked to prevent fraud or comply with regulatory requirements. If we delay or block a Transfer

Page 15 of 29 April 2023

Instruction that you have initiated, we will notify you in accordance with your user preferences (i.e. email, push

notification).

c. We will use reasonable efforts to make all your transfers properly. However, we shall incur no liability if we are

unable to complete any transfers initiated by you because of the existence of any one or more of the following

circumstances:

1. If, through no fault of ours, the Eligible Transaction Account or External Account does not contain

sufficient funds to complete the transfer or the transfer would exceed the credit limit of your overdraft

account;

2. The Account to Account Transfer Service is not working properly and you know or have been advised by

us about the malfunction before you execute the transaction;

3. The transfer is refused as described in Section 2.8 (Refused Transfers) below;

4. You have not provided us with the correct information, including but not limited to the correct Eligible

Transaction Account or External Account information; and/or,

5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time,

issues with the financial institution(s), or interference from an outside force) prevent the proper execution

of the transfer and we have taken reasonable precautions to avoid those circumstances.

d. It is your responsibility to ensure the accuracy of any information that you enter into the Account to Account

Transfer Service, and for informing us as soon as possible if you become aware that this information is

inaccurate. You may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or

recover a transfer made to the wrong Account once informed, but we do not guarantee such recovery and will

bear no responsibility or liability for damages resulting from incorrect information entered by you.

e. Instant Transfers. The Instant Transfers feature allows for transfers to and from External Accounts that are

enabled through a Payment Network designed to deliver transfers on the same day and potentially within

minutes, although actual speed will vary, as described below. Instant Transfers are not instantaneous.

Delivery speed may vary based upon the fraud, risk and other funds availability policy of the applicable

External Account financial institution and Payment Network availability. We are not responsible for the

performance, speed, or other acts or omissions of the Payment Networks or other financial institutions that

may be involved in the transmission of a transfer. We shall not be obligated to comply with the Automated

Clearinghouse (ACH) Rules in such recovery efforts or otherwise in connection with Instant Transfers unless

the applicable transaction is transmitted through the ACH network. We are only responsible for delivery of the

Page 16 of 29 April 2023

applicable Transfer Instructions to the applicable Payment Network in the format required by the applicable

Payment Network's specifications.

2.4 Transfer Methods and Amounts. Section 1.15 of the General Terms (Payment Methods and Amounts) applies

to the Service, even in circumstances where the External Account is closed and we are attempting to return funds

to such Account.

2.5 Transfer Cancellation Requests. You may cancel a transfer at any time until it begins processing (as shown in

the Account to Account Transfer Service). Instant Transfers may not be cancelled as the Transfer Instructions will

be processed immediately.

2.6 Stop Transfer Requests. If you desire to stop any transfer that has already been processed, you must contact

customer care for the Account to Account Transfer Service pursuant to Section 1.26 (Errors, Questions, and

Complaints) of the General Terms. Although we will make a reasonable effort to accommodate your request, we

will have no liability for failing to do so. We may also require you to present your request in writing within fourteen

(14) days. The charge for each request will be the current charge for such service as set out in the applicable fee

schedule.

2.7. Account to Account Transfer Service Fees and Additional Charges. You are responsible for paying all fees

associated with your use of the Account to Account Transfer Service. Applicable fees will be disclosed in the user

interface for, or elsewhere within, the Account to Account Transfer Service or Site. Any applicable fees will be

charged regardless of whether the Account to Account Transfer Service was used, except for fees that are

specifically use-based. Use-based fees for the Account to Account Transfer Service will be charged against the

Account that is debited for the funds transfer. There may also be charges for additional transactions and other

optional services. Additional fees may apply for Instant Transfers and Businesses enrolled in the Small Business

Transfers Service. You agree to pay such charges and authorize us to deduct the calculated amount from the

applicable Eligible Transaction Account you hold with us or the Account that is debited for the funds transfer,

depending on how such charges are described in the user interface for the Account to Account Transfer Service.

Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for

any and all telephone access fees and Internet service fees that may be assessed by your telephone and Internet

service provider. Section 1.18 (Failed or Returned Payment Instructions) of the General Terms applies if you do

not pay our fees and charges for the Account to Account Transfer Service, including without limitation if we debit

the External Account for such fees, as described in this Section, and there are insufficient fees in the External

Account; Section 1.22 (Failed Or Returned Payment Instructions) should be interpreted as applying to the

External Account, not just the Eligible Transaction Account, in such circumstances.

2.8. Refused Transfers. We reserve the right to refuse any transfer. As required by applicable law, we will notify you

promptly if we decide to refuse to transfer funds.

2.9. Returned or Failed Transfers. In using the Account to Account Transfer Service, you understand transfers may

be returned or fail for various reasons such as, but not limited to, the External Account number is not valid. We

will use reasonable efforts to research and correct the transfer to the intended Account or void the transfer. We

will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded,

prohibited, failed, or denied transfer to your Account that we debited for the funds transfer or use other reasonable

efforts to return such transfer to you as permitted by law. In certain cases, we may require you to contact us or the

financial institution for your External Account to initiate a request to receive such funds. You may receive

notification from us.

Page 17 of 29 April 2023

2.10. Your Liability for Unauthorized Transfers.

a. Consumer Accounts. For purposes of this Section 2.10, Section 1.16 (Your Liability for Unauthorized

Transfers) of the General Terms applies only to Eligible Transaction Accounts used for personal,

family and household purposes, and shall not apply to the Small Business Transfers Service.

b. Business Accounts. This paragraph applies only to the Small Business Transfers Service. Federal

Regulation E provides certain protections against loss resulting from unauthorized online banking or

mobile banking transfers from your personal account, including bill payments or transfers to other

accounts. These protections do not apply to business purpose Accounts, regardless of account

ownership. Immediately following your discovery of an unauthorized Transfer Instruction, you shall

communicate with customer care for the Small Business Transfers Service in the manner set forth in

Section 1.6 (Notices to Us Regarding the Service) of the General Terms above. You acknowledge

and agree that time is of the essence in such situations. Tell us AT ONCE if you believe your user

identification, password, or other means of accessing the Small Business Transfers Service have

been stolen or used without your permission. You could lose all of the money in your Eligible

Transaction Account, plus any credit available in any available overdraft protection plan. Also, if the

periodic statement for your Eligible Transaction Account shows payments or other Small Business

Transfers Service transactions that you did not make, tell us at once. YOU ARE RESPONSIBLE FOR

ALL TRANSFERS INITIATED USING YOUR USER IDENTIFICATION, PASSWORD, AND OTHER

MEANS OF ACCESSING THE SMALL BUSINESS TRANSFERS SERVICE, REGARDLESS OF

WHETHER YOU AUTHORIZED THEM OR IF THEY EXCEED THE LIMITS THAT YOU IMPOSED

ON YOUR AUTHORIZED USER(S).

Page 18 of 29 April 2023

PART III: ZELLE

AND OTHER

PAYMENT SERVICES ADDITIONAL TERMS

3.1 Description of Services.

a. We have partnered with the Zelle Network

(“Zelle

”) to enable a convenient way to transfer money between

you and other Users using aliases, such as email addresses or mobile phone numbers (“Zelle

Payment

Service,” as further described below). Zelle

provides no deposit account or other financial services. Zelle

neither transfers nor moves money. You may not establish a financial account with Zelle

of any kind. All

money will be transmitted by a Network Financial Institution. THE ZELLE

PAYMENT SERVICE IS

INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT

USE THE ZELLE

PAYMENT SERVICE OR OTHER PAYMENT SERVICES TO SEND MONEY TO

RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. The term “Zelle

and

Other Payment Terms” means these Zelle

and Other Payment Services Additional Terms.

b. In addition to the Zelle

Payment Service, we provide other payment services under these Terms of Service.

First, these additional services allow you to send money to people if you provide the Eligible Transaction

Account information and other contact information for the Receiver; such transactions are not sent via Zelle

Second, outside Zelle

, we allow you to establish a one-time payment for a payment recipient for which

processing shall be initiated at a later specified date up to one (1) year. Third, outside Zelle

, we enable you

to establish a recurring series of payments to a payment recipient for which processing shall be initiated on

dates you specify. These three payment services and any other payment services that we provide under

these Zelle

and Other Payment Terms are referred to as “Other Payment Services” in these Zelle

and Other

Payment Terms. Although future-dated payments and recurring payments are outside Zelle

, we may

ultimately send those transactions via Zelle

when the applicable date of payment arrives, in which case the

applicable payment transaction is part of the Zelle

Payment Service, not the Other Payment Services. The

term “Zelle

and Other Payment Services” means the Zelle

Payment Service and the Other Payment

Services.

c. The Zelle

and Other Payment Services enable you: (1) to initiate a Payment Instruction from an Eligible

Transaction Account to an account at a U.S. financial institution; and/or (2) to receive a payment from another

person into an Eligible Transaction Account, in U.S. dollars. All payments must be made through the Site and

are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from

time to time. Receipt of payments may be made through the Site and is subject to the terms of this Agreement

and applicable laws and regulations, in each case as in effect from time to time. In some instances, receipt of

payments may be made through other locations besides our Site, such as the Zelle

mobile handset

application ("Zelle

Standalone Locations") and if you choose to initiate or receive a payment at a Zelle

Standalone Location you acknowledge and agree that you shall be subject to the terms of other agreements,

including, but not limited to, the "terms of use" for the Zelle

Standalone Locations and applicable laws and

regulations, in each case as in effect from time to time. Subject to the terms of this Agreement, the Zelle

and

Other Payment Services are generally available 24 hours, seven days a week with the exception of outages

for maintenance and circumstances beyond our or Zelle

’s control. Live customer service generally will be

available Monday through Friday, excluding US financial institution holidays.

d. The Zelle

Payment Service allows for the delivery of payments to Receivers who are also enrolled in the

Zelle

Payment Service through a Payment Network designed to deliver payments on the same day and

potentially within minutes, although actual speed will vary, as described below. The Zelle

and Other Payment

Services are not instantaneous. Payment delivery speed may vary based upon the fraud, risk and other funds

availability policy of each financial institution and Payment Network availability. We are not responsible for

the performance, speed, or other acts or omissions of the Payment Networks that may be involved in the

Page 19 of 29 April 2023

transmission of a payment. We shall not be obligated to comply with the Automated Clearinghouse (ACH)

Rules in such recovery efforts or otherwise in connection with Zelle

and Other Payments unless the

applicable transaction is transmitted through the ACH network. We are only responsible for delivery of the

applicable Payment Instructions to the applicable Payment Network in the format required by the applicable

Payment Network’s specifications.

3.2 Payment Authorization and Payment Remittance.

a. Section 1.12 of the General Terms does not apply to the Zelle

Payment Service. When you enroll to use the

Zelle

Payment Service, you agree to the terms and conditions of this Agreement. You represent that you

have the authority to authorize debits and credits to the enrolled bank account. In addition to the restrictions

set forth in Section 1.13 of the General Terms, you agree that you will not use the Zelle

and Other Payment

Services to send money to anyone to whom you are obligated for tax payments, payments made pursuant to

court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks,

gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Zelle

and

Other Payment Services to request money from anyone for any such payments. You agree that you will not

authorize a third party to use the Zelle

Payment Service or share your credentials with a third party to use

the Zelle

Payment Service on your behalf except in legally authorized situations such as legal guardianship

or pursuant to a power of attorney.

If you are a Zelle

Small Business User you agree to link your small business Eligible Transaction Account to

your enrolled token(s) for the Zelle

Small Business Service, and not your personal Eligible Transaction

Account.

b. This Section 3.2(b) does not apply to the Zelle

Small Business Service (to the extent made available by us).

The Zelle

and Other Payment Services are intended for personal, not business or commercial use. You

agree that you will not use the Zelle

and Other Payment Services to send or receive payments in connection

with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that

you are enrolling to use the Zelle

and Other Payment Services with your business account or to receive

business or commercial payments. We further reserve the right to suspend or terminate your use of the Zelle

Payment Service if we believe that you are using the Zelle

Payment Service for business or commercial

purposes, or for any unlawful purpose.

c. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no

disposable email addresses) and a permanent United States mobile phone number that you intend to use for

an extended period of time (i.e., no “burner” numbers). You may not enroll in the Service with a landline

phone number, Google Voice number, or Voice over Internet Protocol. Once enrolled, you may: (i) authorize

a debit of your account to send money to another User either at your initiation or at the request of that User;

and (ii) receive money from another User either at that User’s initiation or at your request, subject to the

conditions of the Section below titled “Requesting Payments.” If at any time while you are enrolled, you do not

send or receive money using the Zelle

Payment Service for a period of 18 consecutive months, then you

understand that we may cancel your enrollment and you will not be able to send or receive money with the

Zelle

Payment Service until you enroll again. Once enrolled, a Z logo will appear on your profile picture for

each U.S. mobile number and/or email address that you have enrolled with Zelle

. The Z logo will be

displayed to other Users to aid them in determining which of your U.S mobile numbers or email addresses

should be used to send money with Zelle

. If a User sends you money using a different U.S. mobile number

or email address that they may have for you (one that is not already enrolled), you will receive a message

with instructions on how to enroll with Zelle

Page 20 of 29 April 2023

d. When you enroll with Zelle

, you may establish one or more profiles. Each profile may be linked to only one

bank account, but you may enroll multiple email addresses or mobile phone numbers in each profile. Once

you have enrolled an email address or a mobile phone number with a profile, you may not use that same

email address or phone number with any other profile. By providing us with names and mobile telephone

numbers and/or email addresses of Receivers to whom you wish to direct payments, you authorize us to

follow the Payment Instructions that we receive through the Zelle

Payment Service. By providing us with

names, bank account information and other contact information for Receivers to whom you wish to direct a

payment via the Other Payment Service, you authorize us to follow the Payment Instructions that we receive

via the Other Payment Services. Once enrolled, you authorize us to credit your Eligible Transaction Account

for payments remitted to you on behalf of a Sender without further approval from you.

e. When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account

for the amount of any such Payment Instruction plus any related fees in effect (and as disclosed on the Site)

at the time you initiate the Payment Instruction, and to remit funds on your behalf. You acknowledge and

agree that any applicable fees will be charged when we receive a Payment Instruction from you, regardless of

whether the Payment Instruction is ultimately completed. You also authorize us to credit your Eligible

Transaction Account for the receipt of payments, including but not limited to those payments returned to us

from Receivers to whom you sent payment(s) and those payments that were cancelled and returned to you

because the processing of the Payment Instruction could not be completed.

f. You agree that we will not be liable in any way for any payments that you may receive, regardless of whether

you authorized the Sender to send them to you.

g. We will use reasonable efforts to complete all your Payment Instructions properly. However, we shall incur no

liability if we are unable to complete any transaction because of the existence of any one or more of the

following circumstances:

1. If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to

complete the Payment Instruction or the Payment Instruction would exceed the credit limit of your

overdraft account;

2. The Zelle

and Other Payment Services are not working properly, and you know or have been

advised by us about the malfunction before you execute the Payment Instruction;

3. The payment is refused as described in Section 3.6 of the Zelle

and Other Payment Terms below;

4. You have not provided us with the correct information, including but not limited to the correct Payment

Instructions or Eligible Transaction Account information, or the correct name and address or mobile

phone number of the Receiver to whom you are initiating a Payment Instruction; and/or,

5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down

time, issues with the financial institution, or interference from an outside force) prevent the proper

execution of the Payment Instruction.

h. It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they

enter into the Zelle

and Other Payment Services (including but not limited to the Payment Instructions and

name, telephone number and/or email address for the Receiver to whom you are attempting to send a

payment), and for informing us as soon as possible if they become aware that this information is inaccurate.

We will make a reasonable effort to stop or recover a payment made to the wrong person or entity once

informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for

damages resulting from incorrect information entered by the Sender or Receiver.

3.3 Sending Payments.

Page 21 of 29 April 2023

a. You may send money to another User at your initiation or in response to that User’s request for money. You

understand that use of the Zelle

and Other Payment Services by you shall at all times be subject to (i) this

Agreement, and (ii) your express authorization at the time of the transaction for us or another Network

Financial Institution to initiate a debit entry to your bank account. You understand that when you send the

payment, you will have no ability to stop it. When a Sender initiates a Payment Instruction, the Receiver is

not required to accept the payment if the Receiver has not enrolled in Zelle

. You agree that you as a Sender

will not hold us liable for any damages resulting from a Receiver not enrolling in Zelle

. For the Zelle

Payment Service, you may only cancel a payment if the person to whom you sent the money has not yet

enrolled in the Zelle

Payment Service. As to the Zelle

Payment Service, if the person you sent money to

has already enrolled with Zelle

, either in the Zelle

Standalone Locations or with a Network Financial

Institution, then the money is sent directly to their bank account (except as otherwise provided below) and

may not be canceled or revoked. Cancellation is addressed more generally in Section 3.6 (Payment

Cancellation, Stop Payment Requests and Refused Payments) below. You may initiate a one-time Payment

Instruction to a Receiver for which processing shall be initiated immediately via Zelle

. Via the Other

Payment Services, you may also initiate (a) a one-time Payment Instruction to a Receiver for which

processing shall be initiated at a later specified date up to one (1) year, and (b) a recurring series of Payment

Instructions to a Receiver for which processing shall be initiated on the specified dates. Further details about

each of these options can be found on the Site.

b. Payment Instructions initiated to Receivers require you to provide contact information about the Receiver

(including an email address and/or mobile telephone number). If the Receiver does not bank at a Network

Financial Institution and has not yet enrolled in Zelle

, then the Zelle

Payment Service will contact the

Receiver and request that the Receiver (i) provide information so that the identity of the Receiver may be

validated at a Zelle

Standalone Location and then (ii) provide Eligible Transaction Account information in

order to complete the Payment Instruction (a "Two-Step Transfer"). If the Receiver maintains an Eligible

Transaction Account with a Network Financial Institution and has not yet enrolled in Zelle

, then the Zelle

Payment Service will contact the Receiver regarding enrollment in Zelle

and receipt of payment. If the

Receiver has already enrolled in Zelle

, then the Receiver will receive a message regarding your payment.

c. Via the Other Payment Services, we also support the sending of money to Receivers if you provide the

Eligible Transaction Account information for the Receiver and other contact information for the Receiver; such

transactions are not sent via Zelle

. You acknowledge and agree that if your Payment Instructions identify an

account by name and account number, the relevant financial institution may execute those Payment

Instructions by reference to the account number only, even if such account number does not correspond to

the account name. You further acknowledge and agree that financial institutions holding the account may

choose to not investigate discrepancies between account names and account numbers. We have no

responsibility to investigate discrepancies between account names and account numbers, outside of our

obligations under the law to investigate errors, described above in Section 1.22 of the General Terms (Errors,

Questions, and Complaints).

d. In most cases, when you are sending money to another User using the Zelle

Payment Service, the transfer

will occur in minutes; however, there are circumstances when the payment may take longer. For example, in

order to protect you, us, Zelle

and the other Network Financial Institutions, we may need additional time to

verify your identity or the identity of the person receiving the money. If you are sending money to someone

who has not enrolled as a User with Zelle

, either via a Zelle

Standalone Location or a Network Financial

Institution, they will receive a text or email notification instructing them on how to enroll to receive the money.

You understand and acknowledge that a person to whom you are sending money and who is not enrolling as

a User may fail to enroll with Zelle

, or otherwise ignore the payment notification, and the transfer may not

occur. The money may also be delayed, or the transfer may be blocked to prevent fraud or comply with

regulatory requirements. If we delay or block a payment that you have initiated, we will notify you in

Page 22 of 29 April 2023

accordance with your User preferences (i.e., email, push notification). We have no control over the actions of

other Users, other Network Financial Institutions or other financial institutions that could delay or prevent your

money from being delivered to the intended User.

e. For the Other Payment Services and those Zelle

Payment Service payments where the Site indicates

payment will require more than a Business Day, you understand and agree that when you initiate a Payment

Instruction from an Eligible Transaction Account, the processing of the Payment Instruction will begin, and the

debiting of your Eligible Transaction Account will occur as early as the day of such initiation. However, you

and the Receiver should not expect the payment funds to be transferred into the Receiver’s Eligible

Transaction Account any earlier than the next Business Day after you initiated the Payment Instruction. As

part of the Other Payment Services, if you request a one-time Payment Instruction to be initiated on a

specified date or a recurring series of Payment Instruction to be initiated on specified dates, then the

processing of the Payment Instruction will begin on the specified date and the debiting of your Eligible

Transaction Account will occur as early as the specified date(s). However, you and the Receiver should not

expect the payment funds to be transferred into the Receiver’s Eligible Transaction Account any earlier than

the next Business Day following the specified date. In addition, in the case of all Two-Step Transfers, the

deposit of the payment funds into the Receiver’s Eligible Transaction Account (even if debited or withdrawn

from your Eligible Transaction Account) may be delayed if the Receiver has not enrolled in Zelle

. The Site

may contain additional information regarding the delivery of a payment to an Eligible Transaction Account.

f. As to Recipients who have not yet enrolled with Zelle

, you acknowledge and agree that we will begin to

process the requested transfer of funds once the Receiver has provided (or we otherwise obtain) all required

information, and you hereby authorize and direct us to retain such funds until the earlier of such time as the

Receiver has provided (or we otherwise obtain) all required information or fourteen (14) days have elapsed.

You further acknowledge and agree that our receipt of money to be transmitted to a Receiver shall not be

deemed to have occurred and our obligation to complete a Payment Instruction shall not begin until such time

as the Receiver provides us with (or we otherwise obtain) all required information necessary to process the

related Payment Instruction in accordance with this Agreement.

3.4 Receiving Payments.

a. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that

Network Financial Institution customer and at all times subject to the terms and conditions of the relevant

service agreement between that Network Financial Institution and its customer, including without limitation

any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your

email address, mobile phone number, or Zelle

tag enrolled with the Zelle

Payment Service, you have no

ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in

Section 3.6 (Payment Cancellation, Stop Payment Requests and Refused Payments) below. By using the

Zelle

Payment Service, you agree and authorize us to initiate credit entries to the bank account you have

enrolled. If Ir person wants to initiate a Payment Instruction (including in response to a Zelle

Payment

Request, if applicable) using the Zelle

Payment Service to an Eligible Transaction Account you hold or, as

applicable, if you as a Requestor want to initiate a Zelle

Payment Request, he, she or you can do that from

the Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle

Payment Service or at a Zelle

Standalone Location. If you are receiving a payment from a business or

government agency, your payment will be delivered in accordance with both this Agreement and the

procedures of the business or government agency that is sending you the payment.

b. For the Zelle

Payment Service, most transfers of money to you from other Users will occur within minutes.

There may be other circumstances when the payment may take longer. For example, in order to protect you,

Page 23 of 29 April 2023

us, Zelle

and the other Network Financial Institutions, we may need or Zelle

may need additional time to

verify your identity or the identity of the person sending the money. We may also delay or block the transfer to

prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated

through a request for money, we will notify you in accordance with your User preferences (i.e. email, push

notification). You understand and agree that there may be a delay between the time you are notified of the

pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account,

and you may be required to take additional steps to facilitate the deposit of the payment of funds into your

Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the

payment. You authorize the Sender, the financial institution which holds the ’ender's Eligible Transaction

Account and us (including through the Site) to send emails to you and text messages to your mobile phone in

connection with the ’ender's initiation of Payment Instructions to you, and, as a Receiver, you may receive

Zelle

Payment Requests, from others through the Zelle

Payment Service.

c. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account

as a result of a Payment Instruction and it is determined that such transfer was improper because it was not

authorized by the sender, because there were not sufficient funds in the ’ender's account, or for any other

reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction

Account an amount equal to the amount of funds improperly transferred to you.

3.5 Requesting Payments. You may request money from another User through a Zelle

Payment Request. You

understand and acknowledge that Users to whom you send payment requests may reject or ignore your request.

Neither we nor Zelle

guarantee that you will receive money from other Users by sending a Zelle

Payment

Request, or that you will receive the amount that you request. Neither we nor Zelle

accept responsibility if the

other User rejects or ignores your request or sends you an amount that is less than you request. If a User ignores

your request, we may decide or Zelle

may decide, in our sole discretion, that we will not send a reminder or

repeat request to that User.

In addition to the other restrictions in this Agreement, by accepting this Agreement, you agree that you are not

engaging in the business of debt collection by attempting to use the Zelle

Payment Service to request money for

the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to

collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless

Zelle

, its owners, directors, officers agents and Network Financial Institutions from and against all claims, losses,

expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and

indirect damages), and reasonable attorney's fees, resulting from or arising out of any Zelle

Payment Request

that you send that is related to overdue or delinquent amounts. You agree to receive Zelle

Payment Requests

from other Users, and to only send Zelle

Payment Requests for legitimate and lawful purposes. Zelle

Payment

Requests are solely between the Requestor and recipient and are not reviewed or verified by us or by Zelle

Neither we nor Zelle

assume responsibility for the accuracy or legality of such requests and do not act as a debt

collector on your behalf or on behalf of the Requestor. We reserve the right, but assume no obligation, to

terminate your ability to send Zelle

Payment Requests in general, or to specific recipients, if we deem such

Zelle

Payment Requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

If applicable, if you as a Requestor initiate a Zelle

Payment Request using the Zelle

Payment Service, you

acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from

payments received by you from a Sender(s), or an Eligible Transaction Account (in the event that the applicable

service fee cannot be covered by the payment received by you), and (b) no service fee will be charged if you as

the Requestor do not receive any payments from the individuals to whom the Zelle

Payment Request is sent.

Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to

whom you send a Zelle

Payment Request may not receive, or otherwise may reject or ignore, your Zelle

Page 24 of 29 April 2023

Payment Request. We do not guarantee that you will receive any payments from individuals by initiating a Zelle

Payment Request.

Zelle

Small Business Service Users may not send Zelle

Payment Requests to Users enrolled with Zelle

through Zelle

Standalone Locations.

3.6 Payment Cancellation, Stop Payment Requests and Refused Payments. This Section only applies to the

Other Payment Services and those Zelle

Payment Services transactions that can be cancelled in the limited

circumstances set forth in Section 3.3(a) (Sending Payments) above. Sender may cancel the initiation of a

Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into

the Receiver’s Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds

associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction

was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun

processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover

funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may

also require you to present your stop payment request or request to recover funds in writing within fourteen (14)

days after contacting customer care. If we charge you to stop the payment or recover funds, then the charge for

each stop payment or fund recovery request will be the current charge as set out in our current fee schedule or as

disclosed through the Site. Payments not claimed by a Receiver who has not enrolled in Zelle

will be

automatically cancelled fourteen (14) days after the processing of the payment begins. We will, to the extent

permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied

payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as

permitted by law.

3.7 Consent to Emails and Automated Text Messages. Section 1.8 (Text Messages, Calls and/or Emails to You) of

the General Terms does not apply to Zelle

Payment Services. By participating as a User, you represent that you

are the owner of the email address, mobile phone number, Zelle

tag, and/or other alias you enrolled, or that you

have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number,

Zelle

tag, and/or other alias to send or receive money as described in these Zelle

and Other Payment Terms.

You consent to the receipt of emails or text messages from us, from Zelle

, from other Users that are sending you

money or requesting money from you, and from other Network Financial Institutions or their agents regarding the

Zelle

and Other Payment Services or related transfers between Network Financial Institutions and you. You

agree that we may, Zelle

may or either of our agents may use automatic telephone dialing systems in connection

with text messages sent to any mobile phone number you enroll. You further acknowledge and agree:

a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data,

text or other message services, including without limitation for short message service. Please check your

mobile service agreement for details or applicable fees, as message and data rates may apply.

b. You will immediately notify us if any email address or mobile number you have enrolled is (i) surrendered by

you, or (ii) changed by you.

c. In the case of any messages that you may send through either us or Zelle

or that we or Zelle

may transmit

on your behalf as a sender of the message, you acknowledge that you are the sender of the message to the

recipient's email address or mobile phone number. You represent that you have obtained the consent of the

recipient of such emails or automated text messages as applicable, to send such emails or text messages to

the recipient. You further represent that you are sending such emails or automated text messages to the

recipient in compliance of applicable law, including but not limited to the Telephone Consumer Protection Act

(TCPA). You understand and agree that any emails or text messages that we send or that Zelle

sends on

your behalf may include your name.

Page 25 of 29 April 2023

d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle

including messages that you may send through us or through Zelle

or that we may send or Zelle

may send

on your behalf.

e. To cancel text messaging from us, send STOP to 767666. For help or information regarding text messaging,

send HELP to 767666 or contact our customer service at 1-800-493-7562. You expressly consent to receipt

of a text message to confirm your “STOP” request.

f. Supported Carriers: AT&T, Sprint, T-Mobile, Verizon and others.

g. Your phone service provider is not the provider of the Zelle

and Other Payment Services. Users of the Zelle

Payment Service will receive text messages relating to their Payment Instructions and other notices from time

to time if a mobile phone number is provided. Data and messaging charges from your telecommunications

provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is

lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable

the use of such device. You understand that there are risks associated with using a mobile device, and that in

the event of theft or loss, your confidential information could be compromised.

3.8 Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the

Zelle

and Other Payment Services. Applicable fees will be disclosed in the user interface for, or elsewhere

within, the Zelle

and Other Payment Services or Site. Additional fees may apply for small business Users

enrolled in the Zelle

Small Business Service. YOU FURTHER ACKNOWLEDGE AND AGREE THAT ANY

APPLICABLE FEES WILL BE CHARGED REGARDLESS OF WHETHER THE PAYMENT INSTRUCTION IS

COMPLETED, UNLESS THE FAILURE TO COMPLETE THE INSTRUCTION IS SOLELY DUE TO OUR FAULT,

except for those fees that are specifically use-based, such as Zelle

Payment Requests, if applicable. There may

be a charge for additional transactions and other optional services. You agree to pay such charges and authorize

us to deduct the calculated amount from your designated Eligible Transaction Account for these amounts and any

additional charges that may be incurred by you. Any financial fees associated with your standard deposit

accounts (or Other Eligible Transaction Accounts) will continue to apply. You are responsible for any and all

telephone access fees and Internet service fees that may be assessed by your telephone and Internet service

provider. Section 1.18 of the General Terms (Failed or Returned Payment Instructions) applies if you do not pay

our fees and charges for the Zelle

and Other Payment Services, including without limitation if we debit the

Eligible Transaction Account for such fees, as described in this Section, and there are insufficient fees in the

Eligible Transaction Account.

3.9 Refused Payments. We reserve the right to refuse to pay any Receiver. We will attempt to notify the Sender

promptly if we decide to refuse to pay a Receiver designated by the Sender. This notification is not required if you

attempt to make a prohibited payment under this Agreement.

3.10 Returned Payments. In using the Zelle

and Other Payment Services, you understand that Receivers may

reject Payment Instructions or otherwise return payments only if the Receiver is not enrolled in Zelle

. We will use

reasonable efforts to complete Payment Instructions initiated through the Zelle

Payment Service.

3.11 Consent to Share Personal Information (Including Account Information). In addition to Section 1.20

(Information Authorization) of the General Terms, by accepting this Agreement, you consent to our disclosure of

your personal information (including bank account information) as necessary to complete payment transactions in

accordance with our customary processes and procedures, which may include, without limitation, the following:

a. As necessary to resolve a problem related to a transfer or payment between you and another User;

b. To verify the existence of your bank account, or debit card, as applicable;

c. To comply with government agency or court orders;

d. To our affiliates, as permitted by law;

commitment

Page 26 of 29 April 2023

e. To verify your identity for purposes of compliance with applicable laws, including without limitation the USA

PATRIOT Act;

f. To comply with inquiries in connection with fraud prevention or any investigation;

g. For our general business purposes, including without limitation data analysis and audits; or

h. As otherwise permitted by the terms of our Privacy Notice.

3.12 Wireless Operator Data. In addition to Section 1.20 (Information Authorization) of the General Terms, you

acknowledge that we or Zelle

may use information on file with your wireless operator to further verify your

identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using

the Zelle

Payment Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon,

or any other branded wireless operator) to disclose your mobile number, name, address, email, network status,

customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status

and device details, if available, to us or our Service Providers solely to allow verification of your identity and to

compare information you have provided to us or to Zelle

with your wireless operator account profile information

for the duration of our business relationship. See Zelle

’s Privacy Policy at https://www.zellepay.com/privacy

policy for how it treats your data. Please review our Privacy Policy in order to better understand our

to maintaining your privacy, as well as our use and disclosure of your information.

3.13 Liability. Subject to our obligations under applicable laws and regulations, neither we nor Zelle

shall have

liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or

Zelle

to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor

Zelle

shall be liable for any typos or keystroke errors that you may make when using the Zelle

Payment Service.

THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU

TRUST. YOU SHOULD NOT USE ZELLE

TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT

FAMILIAR, OR YOU DO NOT TRUST. ZELLE

DOES NOT OFFER A PROTECTION PROGRAM FOR

AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE

THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED

ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

3.14 Disclaimer of Warranties. Section 1.33 (Exclusions of Warranties) of the General Terms does not apply to

Zelle

Payment Services. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE

LAW, ZELLE

MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR

ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE ZELLE

PAYMENT SERVICE. ZELLE

EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR

OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY,

FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE

ZELLE

PAYMENT SERVICE DESCRIBED OR PROVIDED. ZELLE

DOES NOT WARRANT THAT THE

ZELLE

PAYMENT SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR

ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE ZELLE

PAYMENT SERVICES ARE

PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

3.15 Limitation of Liability. Section 1.34 (Limitation of Liability) of the General Terms does not apply to Zelle

Payment Services. EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN

NO EVENT WILL WE, ZELLE

, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANCIAL

INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY

DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES

ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE ZELLE

PAYMENT SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER

INACCURACIES IN THE ZELLE

PAYMENT SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED

Page 27 of 29 April 2023

ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER

RELATING TO THE ZELLE

PAYMENT SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR ZELLE

HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE

ZELLE

PAYMENT SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE

REMEDY IS TO DISCONTINUE USING THE ZELLE

PAYMENT SERVICES.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR

INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF OURS, ZELLE

, ITS OWNERS, DIRECTORS,

OFFICERS AND AGENTS OR THE NETWORK FINANCIAL INSTITUTIONS LIABILITY IN THOSE STATES IS

LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT

SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

3.16 Indemnification. Section 1.30 (Indemnification) of the General Terms does not apply to Zelle

Payment

Services. You acknowledge and agree that you are personally responsible for your conduct while using the Zelle

Payment Service and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold

harmless Zelle

, its owners, directors, officers, agents and Network Financial Institutions from and against all

claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential,

exemplary and indirect damages), and reasonable attorney’s fees, resulting from or arising out of your use,

misuse, errors or inability to use the Zelle

Payment Service, or any violation by you of the terms of this

Agreement.

3.17 Use of Our Online Banking Site and/or Mobile App. You agree to access the Site in compliance with our

terms and conditions that we make available elsewhere on the Site, which are incorporated into and made part of

this Agreement by this reference.

3.18 Your Liability for Unauthorized Transfers. Section 1.16 (Your Liability for Unauthorized Transfers) of the

General Terms shall not apply to the Zelle

Payment Service. Immediately following your discovery of an

unauthorized Zelle

Payment Service Payment Instruction, you shall communicate with customer care in the

manner set forth in Section 1.6 of the General Terms above. You acknowledge and agree that time is of the

essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability

for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution

statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60)

days after the statement was sent to you, you may lose any amount transferred without your authorization after

the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in

time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may in our sole

discretion extend the period.

When you give someone your password or other means to access your account through which you access the

Zelle

and Other Payment Services, you are authorizing that person to use your account/our Service, and you are

responsible for all transactions that person performs while using your account/our Service. All transactions that

person performs, even those transactions you did not intend or want performed, are authorized transactions.

Additionally, transactions that you or someone acting with you initiates with fraudulent intent are also authorized

transactions.

Note: These liability rules only apply to Eligible Transaction Accounts used for personal, family and household

purposes.

Page 28 of 29 April 2023

3.19 Zelle

Small Business Users Token Access. You acknowledge and agree that you have the sole responsibility

for access and use of the small business tokens (e.g. email and/or mobile number) enrolled in the Zelle

Small

Business Service that you make available to authorized users. Failure to implement reasonable security

procedures and controls to protect the use and access to enrolled tokens and the Zelle

Small Business Service

by your authorized users may result in losses of all of the money in your Eligible Transaction Account(s), plus any

credit available in any available overdraft protection plan.

3.20 Content Standards; Zelle