Digital Banking Service Terms and Conditions

Effective May 9, 2025, updates to Section V. ZELLE® PAYMENT SERVICE ADDITIONAL TERMS AND CONDITIONS and SECTION VIII. ENTITLEMENTS: SECONDARY USER ADMINISTRATION SERVICES TERMS AND CONDITIONS

ELECTRONIC NOTICE DISCLOSURE AND AGREEMENT

By accepting this Digital Banking Services Terms and Conditions (“Agreement”), which include the individual services that are part of our Electronic Banking Services (such as the Account to Account Transfer Service, Zelle® Payment Service, and Bill Payment Service, which includes the Overnight Check Service and Same Day Bill Payment Service), you are consenting to the receipt of certain disclosures and agreements in electronic format. These disclosures and agreements contain the terms and conditions that apply to Digital Banking and our Electronic Banking Service as well as to your deposit and loan accounts that you access through Digital Banking and our Electronic Banking Services. Your consent will apply to electronic disclosures and agreements that you receive now as well as to electronic disclosures, agreements and other notices (generally “Electronic Notices”) that we may provide to you electronically in the future. Some examples of future Electronic Notices that you may receive include a notice of changes to the terms of your Deposit Account Agreement, including fees applicable to your account. We may also provide you with an electronic disclosure of your error resolution rights for your account. You may request paper copies of Electronic Notices by calling our Customer Care Team at 800-236-8866 and identifying the specific Electronic Notice for which you wish to receive a paper copy or by messaging our Customer Care Team. A fee may be charged for sending you paper copies of statements and Electronic Notices as provided in the Consumer Deposit Accounts Fee Schedule or Loan Account Fee Schedule, which may be amended by us from time to time. We will tell you of the amount of any fee that may apply when you request a paper copy of a statement or notice.

When new Electronic Statements or Notices are available for viewing we will notify you electronically via the delivery method you choose in your alert preference. Delivery methods include email, push notification, digital inbox and/or SMS text message. It is important you keep your email address and phone number up to date in your digital profile otherwise you will not receive the notification. To access and view Electronic Notices online, you will need to access Digital Banking via the Internet or via the Mobile Banking application, a currently supported and updated Internet browser that supports Transport Layer Security (TLS) version 1.2 or higher with PFS ciphers, JavaScript and enabled security features. A list of the current supported browsers can be found at AssociatedBank.com/Browsers. Additionally, you will need a computing platform with hardware that supports these requirements, and software capable of rendering portable document format reader (.pdf) files. To view the disclosures, agreements and required notices on your Mobile Device, you will need a Mobile Device as defined below in this Agreement. You are responsible for selecting all systems, hardware, your Internet service, and your mobile data plan provider. You are also responsible for any defect, malfunction or interruption in service or security due to a failure of hardware you use to access Electronic Notices, or a failure of your systems and computer services, Internet service provider, wireless service, or mobile data service provider. You agree that you are solely responsible for fees and charges assessed, as applicable, by your Internet service provider, wireless service provider, mobile data service provider and telephone service provider.

To retain a copy of electronic statements disclosures, agreements and notices, you will need a media storage device (e.g., hard drive) or you may print copies of these documents using your printer. Although you have consented to receive Electronic Notices, we reserve the right to also send disclosures and agreements by regular mail.

You have the right to withdraw your consent to receive Electronic Notices by calling us at 800-236-8866, or writing to us at Associated Bank, Attn: MS 7722, 1305 Main Street, Stevens Point, Wisconsin 54481. Consent to receive Electronic Notices is required for access to Digital Banking and Electronic Banking Services. If you withdraw your consent to receive Electronic Notices your access to Digital Banking and Electronic Banking Services will be suspended. In order to reinstate your access to Digital Banking or Electronic Banking Services you will be required to once again consent to receive Electronic Notices.

The following documents and disclosures referenced in this Agreement are available at the following links:

Deposit Account Agreement

Consumer Deposit Account Fee Schedule.pdf

Associated Website Terms of Use

Table of Contents

Section I. GENERAL TERMS AND CONDITIONS
Section II. MOBILE BANKING ADDITIONAL TERMS AND CONDITIONS
Section III. BILL PAYMENT SERVICE ADDITIONAL TERMS AND CONDITIONS
Section IV. ACCOUNT TO ACCOUNT TRANSFER SERVICE ADDITIONAL TERMS AND CONDITIONS
Section V. ZELLE® PAYMENT SERVICE ADDITIONAL TERMS AND CONDITIONS
Section VI. ENHANCED SERVICES TERMS AND CONDITIONS
SECTION VII. CREDIT MONITOR AND CREDIT MONITOR+ ADDITIONAL TERMS AND CONDITIONS
SECTION VIII. ENTITLEMENTS: SECONDARY USER ADMINISTRATION SERVICES TERMS AND CONDITIONS

SECTION I. GENERAL TERMS AND CONDITIONS

1. Agreement, Related Agreements, and Governing Law.

1.1. This Agreement is a contract between Associated Bank, National Association (hereinafter "Associated", "We," "we," "Us," us," "Our" or "our,") and you (hereinafter "Customer," "You," "you," "Your" or "your") in connection with your use of Digital Banking, and Electronic Banking Services, as applicable (collectively “Services”). Please see the definitions section below for a full list of services that are part of Electronic Banking Services. As indicated within this Agreement, certain sections apply only to the specific Electronic Banking Service referenced in that section. Electronic Banking Services are optional and the provisions in this Agreement pertaining to the Electronic Banking Services will only apply to those Electronic Banking Services you access. By accessing Digital Banking or any Electronic Banking Service you acknowledge that you have read and agree to this Agreement, including without limitation, the provisions of this Agreement that apply to the Electronic Banking Service you accessed. You also acknowledge that this Agreement has been accepted by one or more of the persons who established the Account(s) with us that are accessed by Digital Banking or any Electronic Banking Service. This Agreement applies to all persons that are parties to the Accounts. Please read this Agreement carefully and keep a copy for your records.

1.2. This Agreement amends, the Deposit Account Agreement governing your deposit accounts with respect to the Services provided herein, which terms and conditions are restated and incorporated herein by reference. The Services are subject to the Deposit Account Agreement, including without limitation, the arbitration provisions provided within the Deposit Account Agreement, any loan agreement and related documentation and disclosures, terms or instructions appearing on a screen when using a Service, and other applicable documentation governing any matter related to your use of the Services, applicable clearinghouse rules, federal laws and regulations, state laws and regulations to the extent that such state laws and regulations are not preempted by federal law and only to the extent that any such rule, law, or regulation has not been varied by this Agreement where variation by agreement is permitted. "State laws" refers to the laws of the state where you reside if in Wisconsin, Illinois or Minnesota. If you reside outside one of these three states or opened an Account online, "state law" refers to Wisconsin law (in each case, without regard to state conflicts of law principles). In the case of a discrepancy between this Agreement and the Deposit Account Agreement relating to your use of the Services, this Agreement will control except with respect to, otherwise the Deposit Account Agreement controls.

1.3. The Services are offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an Account in the name of the minor with a parent or guardian as a co-signor or guarantor. By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.

2. General Definitions
Capitalized terms used generally throughout this Agreement shall have the meanings as defined below or, in the case of terms that are specific to certain Electronic Banking Services as defined within the section applicable to that Electronic Banking Service.

2.1. "ACH Network" means the funds transfer system, governed by the NACHA Rules that provide funds transfer services to participating financial institutions.

2.2. "Account" means an account that is eligible to access the Services and from which payments will be debited, service fees, if any, will be automatically debited or to which payments and credits will be credited. It may include a checking, savings, money market savings, certificate of deposit or any other deposit account you have opened with us or about which you have inquired. “Account” also may include any deposit Account that is opened in conjunction with a Coverdell Education Savings Account (CESA) or Individual Retirement Account (IRA) plan. CESAs and IRAs are also governed by applicable plan agreements and other plan documents, which you should refer to for program details and requirements. “Account” also may include your loan accounts with us, including but not limited to a home equity line of credit, premier line of credit and certain other loan products. These loan accounts are also governed by separate agreements, disclosures and other documents which you should refer to for details and requirements. Account does not include credit cards if the creditor, issuer, and service provider of the credit card is Elan Financial Services.

2.3. "Affiliates" mean companies related by common ownership or control.

2.4. "Account Balance" means any and all funds in the Account without regard to any pending activity. Please refer to the Deposit Account Agreement for more information.

2.5. “Available Balance” means the account balance minus any pending holds on recently deposited checks or funds held to offset the amount of a check recently cashed against your account, memo posts (e.g., debit card authorization for a purchase), and /or any holds for legal process or other freezes on your Account authorized by the Deposit Account Agreement. Please refer to the Deposit Account Agreement for more information.

2.6. “Biller” means, as applicable, the person or entity to which you wish a bill payment to be directed or the person or entity from which you receive electronic bills.

2.7. "Business Day" means Monday through Friday, during business hours (Central Time) and excluding federal holidays, and observed federal holidays.

2.8. “Daily Balance” or “Daily Ending Balance” means the loan Account balance as of the previous end of day, excluding Pending Transactions.

2.9. “Digital Banking” means the services accessed via the Internet that permit electronic access to Accounts, the use of Electronic Banking Services, and the services accessed via Mobile Banking App functions.

2.10. “Electronic Banking Services” or “Electronic Banking Service” means, separately or collectively, as applicable, Bill Payment Service, which includes Overnight Check Service; and Same Day Bill Payment Service; External Account to Account Transfer ("A2A Transfer Service"); Zelle® Payment Service; and the Credit Monitor Services.

2.11. “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, 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.

2.12. “Funds Transfer” means a transfer of funds between your Accounts, within Associated Bank, through Online Banking or Mobile Banking and not through any Electronic Banking Service.

2.13. “Online Banking” and “Online Banking Service” means collectively the service accessed via the Internet that permits electronic access to Accounts and use of Electronic Banking Services.

2.14. “Mobile Banking” and “Mobile Banking Services” means collectively the services accessed via the Mobile Banking App functions.

2.15. “Mobile Banking App” means the service that permits electronic access to Accounts and use of certain Electronic Banking Services that can be accessed via software downloaded to supported handheld devices via the handheld device’s applicable app store

2.16. “Mobile Deposit” means a check that is deposited remotely via the Mobile Banking App.

2.17. "Mobile Device" means a mobile device which is capable of accessing the Services that are accessible by a Mobile Device. View the mobile device list at www.associatedbank.com/pdf/MobilePhoneList.

2.18. "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.

2.19. "Payment Network" means a debit or credit network (such as the ACH Network or ACCEL / Exchange payment network) through which funds may be transferred.

2.20. “Pending Transactions” means the electronic transactions which have not been posted but which have been transmitted to Associated Bank.

2.21. "Processing Date" means the Business Day your Account is debited or credited.

2.22. “Receiver” means the person or entity that is sent a Payment Instruction through the Service.

2.23. “Service” or “Services” means, individually one of the following, as applicable based on the context and circumstances, and collectively all of the following services: Digital Banking and Electronic Banking Services.

2.24. "Service Provider" means companies that we have engaged to render some or all of the Services to you on our behalf, including the Electronic Banking Service provider.

2.25. "Site" means the Digital Banking website or mobile applications through which the Services are offered.

2.26. "We," "our," and "us" mean Associated Bank.

2.27. "You" and "your" mean each account holder, depositor or party authorized to access a deposit Account or borrower on a loan Account accessible through the Services.

3. Digital Banking Functions

3.1. Digital Banking Services give you access to the following features and functions:

Access Electronic Banking Services
View Account and Transaction information
Transfer funds between eligible deposit Accounts and your home equity line of credit, premier line of credit and certain other loan Accounts
Transfer funds from your line of credit to your checking Account
Transfer funds into your add-on certificate of deposit Account
Make payments out of your deposit Accounts to your loan Accounts
View check, debit and credit items, and deposit ticket transactions
View statements
If you elect to enroll in optional Bill Payment Service, the Zelle® Payment Service and Account to Account Transfer Service, and depending on the type of Mobile Device carrier you have, you may have the ability to use your username and password to (i) pay bills from your checking or money market savings account to parties set up within your Bill Pay Service; (ii) initiate or receive “person to person” transfers to and from a personal checking account through the Zelle® Payment Service; (iii) initiate or receive a transfer between your Associated Bank Accounts and accounts at other financial institutions.

3.2. The following features and functions are accessible only via the Mobile App

Deposit checks remotely
Receive Push notice alerts
Receive Quick Glance balance information

4. Password and Security

4.1. Password and Biometric Identification

You are required to establish a username and password to sign in to and access the Services. When accessing Digital Banking via the Mobile App you may also enable the use of biometric information to access the Services. Using your password or biometric information you have registered in a mobile device to access the Services has the same effect as your signature authorizing transactions.
Biometric login is an optional biometric sign-in method for Associated Bank Mobile Banking that may be available for certain mobile devices that have a built-in biometric scanner. To use biometric login, you will need to first save your fingerprint/facial feature scan on your mobile device (for more help with biometric scanning, contact the manufacturer that supports your mobile device). Biometrics are stored on your device only and Associated Bank never sees or stores your biometric information. You acknowledge that by enabling biometric login, anyone who has biometric information stored on your device may be able to access to your personal and payment account information within Associated Bank Mobile Banking.
You agree not to give or make available your password to anyone you have not authorized to access your Accounts, or allow someone else to register their biometric information in a mobile device used to access the Services, or allow other means of access to your Accounts by any unauthorized individuals. Anyone to whom you disclose your password, anyone who has access to your password and anyone who has registered their biometric information in a mobile device used to access the Services will have full access to the Services, including full access to your Accounts. You are responsible for all payments you authorize using the Services. If you permit other persons to use your password, or biometric information registered in a mobile device, or other means to access the Services, you are responsible for any transactions they authorize, except as otherwise provided by applicable law.
For security purposes do not allow someone else to register their biometric information on a handheld mobile device that you use to access the Services. Do not enable biometric information verification on the handheld mobile device you use to access the Services if you are not able to prevent another user of that device from registering their biometric information on the device.
Associated Bank reserves the right to suspend or disable this feature at any time. Biometric login can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your biometric information, you can sign in using your standard login credentials (e.g., password). To use biometric login for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable biometric login anytime within Associated Bank Mobile Banking.

4.2. Lost or Stolen Security Information. If you believe that your password has been lost or stolen or that someone may attempt to use your password, fingerprint or other biometric information to access the Services without your consent, you must inform us at once at the telephone number provided in Paragraph 14 of the General Terms and Conditions.

5. Service Cancellation, Termination or Suspension by Us, and Other Remedies for Breach.

5.1. You agree not to use your Account or the Service in any illegal activity. 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 Services; 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. We may modify, suspend or terminate your privilege of using all or any part of the Services and may withhold approval of any transaction, at any time, without prior notice to you. In the event we terminate your access to any of the Services we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. For security purposes, if you do not use Digital Banking for an extended period of time, we may terminate your access to Digital Banking, which result in terminating your access to the other Electronic Banking Services described in this Agreement.

5.2. The remedies contained in this Paragraph 5 of the General Terms and Conditions are cumulative and are in addition to the other rights and remedies available to us under this Agreement, by law or otherwise.

5.3. If you wish to terminate this Agreement and your access to the Services please notify us by phone or in writing using the contact information listed under Paragraph 14 of the General Terms and Conditions. We will process your request with reasonable promptness, but your termination request will not become effective until we have had a reasonable opportunity to act on it. Payments processed after we received your termination request but before we have had the opportunity to act on it will be completed. Payments scheduled to occur after we have completed your termination request, including recurring payments, will not be processed.

5.4. Any person who can use an Account that can be accessed by Digital Banking may terminate your ability to access Digital Banking.

5.5. Neither the termination of this Agreement, nor the suspension of your access shall affect your liability or obligations under this Agreement.

6. Providing a Phone Number and/or Email Address.
By providing a phone number, mobile phone number and/or an email address, you are expressly consenting to receive communications at that phone number or email address from us, our agents and Service Providers. Such communications may include, but are not limited to, emails, text messages, prerecorded or artificial voice message calls, including calls made by an automatic telephone dialing system for both marketing and non-marketing purposes, and text messages. The reason for contacting you for non-marketing purposes may include validating or processing a transaction that you have requested through the Services or to obtain reimbursement for amounts owed to us or a Service Provider. Further, by accessing the Zelle® Payment Service described in more detail below, you consent to receive text messages from us at the phone number you use for accessing the Zelle® Payment Service. To withdraw your consent to be contacted at the phone number, cellular number or email address for marketing purposes you must contact our Customer Care Center at the phone number or mailing address listed in Paragraph 14 under the General Terms and Conditions and requesting that you be added to our internal do-not-call for marketing list. You cannot withdraw your consent to be contacted related to your use of the Services, including without limitation, the Zelle® Payment Service.

7. Your Privacy.
Protecting your privacy is very important to us. Please review our Privacy Policy at the following link in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information: www.AssociatedBank.com/Privacy

8. Privacy of Others.
If you receive information about another person through the Services, you agree to keep the information confidential and only use it in connection with the Services.

9. Taxes.
It is your responsibility to determine what, if any, taxes apply to any 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 transactions, or for collecting, reporting or remitting any taxes arising from any transaction.

10. Credit Cards
Associated Bank has a contractual relationship with Elan Financial Services pertaining to credit cards. Credit card information provided by the link in Digital Banking to Elan Financial Services is provided for your convenience. We make no representations or warranties as to the accuracy and information on or from other sites, including information obtain from the Elan Financial Services site. The privacy policy and security policy of linked websites is not that of Associated Bank. You authorize us to obtain information from Elan Financial Services pertaining to your credit cards.

11. Service Fees
You authorize us to charge you the service fees identified in Exhibit A of this Agreement and as set forth in any fee schedule that is disclosed with the Deposit Account Agreement or the loan Account agreement, or in the disclosure called Consumer Deposit Accounts Fee Schedule or the account specific Product Disclosure, any of which may be amended by us from time to time.

12. Address or Banking Changes.
It is your responsibility to ensure that the contact information under the Digital Banking Profile section of the Settings link is current and accurate. This includes, but is not limited to your, name, address, phone numbers and email address. Changes can be made either within Digital Banking or by contacting our Customer Care Center as set forth in Paragraph 14 under the General Terms and Conditions.

With respect to the Bill Delivery and Presentment Service, more fully explained below, any changes in your Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Account or contact information

13. Your Liability for Unauthorized Transactions
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 14 Notices; General Contact Information of the General Terms. You acknowledge and agree that time is of the essence in such situations. If you tell us 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.

14. Notices; General Contact Information
If you need to contact us about your Account or this Agreement, especially if you believe an unauthorized transaction has occurred on your Account or your password has been lost or stolen or that someone may or has fraudulently accessed your Account without your permission, contact the Customer Care Center by using the secure messaging service available in the Digital Banking Service, or by phone or regular mail at:

Phone: 800-682-4989
Mail: Associated Bank
Attn: Customer Care Center
1305 Main Street
Stevens Point, Wisconsin 54481

15. In Case of Errors or Questions About Your Electronic Transfers

15.1. Contact the Customer Care Center by using the secure messaging service available in the Digital Banking Service, or by phone or regular mail at the phone number or address set forth under Paragraph 14 of the General Terms and Conditions, as soon as you can if you think your statement, receipt, or other confirmation information is wrong or if you need more information about a transfer listed on your statement, receipt or confirmation. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.

Tell us your name and Account number (if any).
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

15.2. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Account within ten (10) Business Days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your Account. The ten (10) day period may be extended to twenty (20) Business Days, if the error involves a transfer to or from the Account within thirty (30) days after the first deposit to the Account was made.

15.3. For errors involving new accounts, point-of-sale, or foreign- initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your Account for the amount you think is in error.

15.4. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and will reverse any credit we have made to your Account. You may ask for copies of the documents that we used in our investigation.

16. Disclosure of Account Information to Third Parties
We and our Service Providers will disclose information to third parties about your Account(s) or the transactions you make:

That we believe are necessary to complete or document transactions, to investigate possible unauthorized transactions, to resolve errors or claims or to combat fraud;
Where it is necessary for activating additional services;
To verify the existence and condition of your Account for a third party, such as a credit bureau, a Biller, another financial institution, or a merchant;
To a consumer reporting agency for research purposes or for other purposes otherwise specified herein;
In response to government agency inquiries, orders or subpoenas;
In response to court orders, subpoenas, garnishments, levies or other legal process;
To companies affiliated with us in accordance with our Privacy Policy;
To comply with laws, rules and regulations;
If you give us your written permission.

The circumstances under which we may provide information about your Accounts to affiliates and/or third parties are as set forth in our current Privacy Policy, also referred to as the What Does Associated Banc-Corp Do With Your Personal Information? notice. You agree that we may deliver our privacy notices and opt-out notices to you by making them available on www.associatedbank.com. To access the privacy notice go to www.associatedbank.com/Privacy, or request a paper copy by writing to us at Associated Bank, Attn: CIF - Opt Out MS 7012, P.O. Box 19097, Green Bay, Wisconsin 54307-9097.

17. Additional Privacy Information and User Information for the Services.
You acknowledge that in connection with your use of the Services, we and our affiliates and Service Providers, and their affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with the Services or Software (collectively "User Information"). We and our affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver the Services and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.

We and our affiliates and service providers also reserve the right to monitor use of the Services and Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

18. Phone Ownership Verification Authorization
You authorize your wireless carrier to disclose information about your wireless account, such as name, billing address, email, phone number, location information subscriber status, payment method and device details, if available, to us and to third party providers we have engaged to support identity verification, fraud avoidance, and other uses in support of transactions. This information may also be shared with other companies to support your transactions and for identity verification and fraud avoidance purposes.

19. Device Identification Monitoring
We may share certain personal information and device-identifying technical data about you and your devices that you use to access the Site with third party service providers. This information may include your approximate or precise physical location in order to provide fraud management and prevention services which may result in blocking access to the applicable Service or the 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 Websites not provided by us. We will not share with service providers any information that personally identifies users of the device.

20. Funds Transfers

20.1. We can process a funds transfer on the same Business Day as your instructions except for deposits made using Mobile Deposit. If a transfer is made on a day that is not a Business Day it will be processed on the next Business Day. The banking cutoff time for deposits made using Mobile Deposit is 6:00 p.m. Central Time. Please see the Mobile Deposit Terms and Conditions below for details.

20.2. Funds Transfer Limitations
For security reasons, there are limits on the number and dollar amount of transfers you can make. We reserve the right to prohibit and/or reject transactions involving internet gambling. You may transfer available funds through Digital Banking, subject to funds availability. See the Deposit Account Agreement "Funds Availability Policy Disclosure" section for more information.

20.3. Canceling a Funds Transfer Request
You may cancel or change both one-time and recurring Funds Transfer instructions in Digital Banking. We must receive your cancellation or change instruction no later than 11:59 Central Time on the Business Day prior to the Processing Date. If we do not receive timely notice of your complete and accurate instructions canceling or changing a Funds Transfer, we will process the Funds Transfer as reflected in Digital Banking.

20.4. Overdrafts
When you schedule a Funds Transfer, you authorize us to withdraw the necessary funds from your Account with us. We debit the amount of your Funds Transfer on the Business Day you instruct us to process the Funds Transfer between your Accounts. Each instruction to us to withdraw or transfer from an Account is an order to us to pay from that Account on the specified Processing Date. We may, in our sole discretion, elect to charge Funds Transfers against the Account even though the charge creates an overdraft or constitutes a draw against unavailable funds. If a Funds Transfer overdraws your Account, you agree to immediately pay us the overdrawn amount together with any applicable fees. See the Deposit Account Agreement for details. If the Account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that Account and overdraft credit plan.

20.5. Our Liability for Failure to Process a Funds Transfer
We strive to make all your Funds Transfers according to your instructions. We will, however, incur no liability if we are unable to complete any transfer initiated by you because of the existence of any one or more of the following circumstances:

If the funds transfer would exceed the maximum permitted funds transfer amount or your Available Balance, Daily Balance or Daily Ending Balance, or your Account has been re-titled, closed, blocked for security reasons, or subject to legal process or other encumbrances restricting the transfer.
If the funds transfer processing center is not working properly, and you know or have been advised by us about the malfunction before you execute the transaction.
If circumstances beyond our control (such as, but not limited to, fire, flood or interference from an outside force) prevent the proper execution of the transaction, and we have taken reasonable precautions to avoid those circumstances.
If you have not properly followed the instructions for using Digital Banking.
If your computer or handheld device is not functioning properly.
For errors or failures from any malfunctions of your browser, Internet service provider, computer, computer virus or other problems relating to the computer equipment you use with Digital Banking, including, without limitation, your inability to access Digital Banking or any part of Digital Banking.
For a failure to provide access or for interruptions in access to Digital Banking due to Digital Banking system failure.
There may be other exceptions stated in our Agreement with you.

Provided none of the foregoing exceptions are applicable, if Digital Banking causes an incorrect amount of funds to be removed from your Account, we shall be responsible for returning the improperly transferred funds to your Account. If Digital Banking causes funds from your Account to be directed to an incorrect Payee, you agree to help us recover funds directed to the incorrect payee.

21. Payment Methods and Amounts.
There are limits on the amount of money you can send or receive through the Services. Your limits may be adjusted from time-to-time at our sole discretion. For certain Services, you may have the ability to log in to the Site to view your individual transaction limits. We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf though 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.

22. Transaction Limitations.
Fees may be charged if withdrawal limits are exceeded on certain accounts. Please refer to the Deposit Account Fee Schedule or the account specific Product Disclosure and Savings/Money Market Account Disclosure.

23. Prohibited Payments.
You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Services. You represent and warrant that any Biller, Receiver, or other person or account to whom or to which funds are transferred is located in the United States. Payments to Billers outside the United States and its territories are prohibited.

The following types of payments are prohibited, and we and/or our Service Providers have the right, but not the obligation to monitor for, block, cancel and/or reverse such payments.

Payments to or from persons or entities in prohibited territories or subject to government sanctions;
Payments that violate any law, statute, ordinance or regulation;
Payments that violate the Acceptable Use terms of Paragraph 24 of the General Terms and Conditions;
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 or sell to, or solicit others; (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;
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;
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, 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 or check cashing, or (6) provide credit repair or debt settlement services;
Tax payments or court ordered payments;
In addition to the above referenced prohibited payments, we may also block and/or reverse payments that involve donations or payments to an unauthorized charity or non-profit organization, unless we have performed appropriate due diligence on and investigation of such charity or non-profit organization and have determined its legitimacy, in our sole discretion. 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 or our failure to monitor for, block and/or reverse such payments. Unless required by applicable law, we have no obligation to research or resolve any claim resulting from a prohibited payment. All research and resolution for any misapplied, mis-posted or misdirected prohibited payments will be your sole responsibility and not ours. We encourage you to notify us by contacting our Customer Care Center at the phone number or mailing address listed under Paragraph 14 of the General Terms and Conditions for any violations of the General Terms and Conditions or the Agreement generally.

24. 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 Services, 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 Services 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; and/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 notify us by contacting our Customer Care Center Section at the phone number or mailing address listed under Paragraph 14 under the General Terms and Conditions, for any violations of this section or the Agreement generally.

25. Information Authorization.
Your enrollment in the Services may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in or use of any Service, you agree that we reserve the right to request a review of your credit rating at our own expense. In addition, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Account. You also agree that financial information regarding your account from a Biller or your financial institution (for example to resolve payment posting problems or verification) may be obtained in connection with an Electronic Banking Service. 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 Services, to authenticate you when you log in, to send you information about the Services, 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 Electronic Banking Services and the content and layout of Digital Banking. 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, 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 Electronic Banking Services 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:

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.
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 Website 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 Websites not provided by us. We will not share with services providers any information that personally identifies the user of the applicable device.

26. Failed or Returned Payment Instructions.
In using an Electronic Banking Service, you are requesting that we or our Service Provider attempt to make payments for you from your designated payment Account. If the Payment Instruction cannot be completed for any reason associated with your designated payment Account (for example, there are insufficient funds in your designated payment Account, or the Payment Instruction would exceed the credit or overdraft protection limit of your 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 designated payment 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:

You will reimburse 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 designated payment Account to allow the debit processing to be completed;
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 designated payment Account, or the transaction would exceed the credit or overdraft protection limit of your designated payment Account, to cover the payment, or if the funds cannot otherwise be collected from you. The aforesaid amounts will be charged as well as any additional 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 payment Account, including by ACH debit;
You authorize us and our Service Providers to report the facts concerning the return to any credit reporting agency.

27. Payment Authorization and Payment Remittance.

27.1. By providing us with names, telephone numbers, email addresses and/or account information of Billers or Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that you provided through your use of the Electronic Banking Service. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Biller or Receiver directives.

27.2. When we receive a Payment Instruction or a Transfer Instruction, you authorize us to debit your Account and remit funds on your behalf to the Recipient Account or the Receiver designated by you so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us to reverse a transfer from or make a credit to your Account for all returned payments, including but not limited to nonsufficient funds and payments remitted to you on behalf of another authorized user of the Service.

27.3. You acknowledge and agree that if your Payment Instructions or Transfer Instructions identify an account by name and account number, those Payment Instructions or Transfer Instructions may be executed 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 and that we have no responsibility to investigate discrepancies between account names and account numbers.

27.4. 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.

27.5. We will use our best efforts to make all your payments properly. However, we shall incur no liability and any On Time Payment Guarantee as set forth in Paragraph 3 under Section III, Bill Payment Service Additional Terms, shall be void if the Electronic Banking Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

If, through no fault of ours, your Account does not contain a sufficient Available Balance to complete the payment transaction or the payment transaction would exceed the credit limit of your overdraft account or;
The payment processing center or the Electronic Banking Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
The payment is refused in accordance with the provisions of this Agreement;
You have not provided us with the correct Payment instructions, Recipient Account, or Account information, or the correct name, address, phone number or account information for the Biller or Receiver; and/or

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 transaction and we have taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Account or cause funds from your Account to be directed to a Biller or Receiver which does not comply with your Payment Instructions, we shall be responsible for returning the improperly transferred funds to your Account, for directing to the proper Biller or Receiver any previously misdirected transactions and, if applicable, for any late payment related charges.

27.6. You are responsible for ensuring the accuracy of any information entered into an Electronic Banking Service (including but not limited to the Payment Instructions and name, telephone number and/or email address that the Sender enters for the Biller or the Receiver to whom you are sending the payment transaction), and for informing us as soon as possible when you become aware of inaccurate information. The Sender, and the Biller or the Receiver, may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a payment transaction or transfer made to the wrong person or entity or the wrong Recipient Account 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 you, the Biller or the Receiver.

28. Account Restrictions and Limitations.

28.1. There are restrictions on transfers using the Services from an Account that is a savings account, money market or certificate of deposit. No transfers of any type may be made using any of the Services from a certificate of deposit; a transfer to a certificate of deposit is only allowed for an “Add-On” certificate of deposit. None of the Electronic Banking Services can be used to make a payment or transfer from an Account that is savings account. You may make transfers between a savings account to other Accounts only with Digital Banking, but transfers from a savings account are subject to limitations described in more detail in this section below. You may make payments or transfers between a money market account and other Accounts and to third parties through Digital Banking or the Electronic Banking Services, but transfers from a money market account are subject to limitations described in more detail in this paragraph below.

28.2. We limit customer-initiated withdrawal or transfers out of an Associated Bank savings or money market account to six (6) per calendar month or statement cycle (if on combined statements). We may impose a Withdrawal Limit Fee on each customer-initiated withdrawal or transfer over six (6). All withdrawals and transfers out of your savings/money market account will count toward this fee, including those made in-person at a branch, through online and mobile banking or at an ATM. For more details, refer to the Deposit Account Fee Schedule or the account specific Product Disclosure and Savings/Money Market Account Disclosure.

28.3. If you use the Overnight Check Service or the Same Day Bill Payment Service, the fees charged for your use of these services, disclosed on Exhibit A at the end of this Agreement, will be deducted from to your Account separately from the payment. Therefore, when you use the Overnight Check Service or the Same Day Bill Payment Service two withdrawals will occur from your Account; one withdrawal for the amount of the payment you authorized and a separate withdrawal for the service fee.

29. Periodic Statements
Your Digital Banking Account activity will appear on your periodic account statement.

30. 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 by mail.

31. Imaging of Checks, Debit and Credit Items and Deposit Tickets
Images of account checks, debit and credit items and deposit tickets will be available the next Business Day after the item(s) have been posted to your account. Images will be available up to ninety (90) days after the checks, debit and credit items and deposit tickets have been posted to the account. Some items will produce poor quality images or may not produce an image. In those cases, it is not our responsibility to remedy the image quality. For better processing quality, we recommend use of the forms and check stock approved by us.

32. Service Availability.

32.1. We will attempt to make the Services available on a continuous basis. Maintenance requirements, however, whether scheduled or emergency, may result in system unavailability from time to time. We will try to conduct scheduled maintenance during non-peak hours. Services accessibility may also be interrupted due to conditions beyond our control, including outages in internet or Mobile Device carrier. If that occurs, we will attempt to re-establish the Services as quickly as possible.

32.2. Although we will attempt to provide accurate and current information about your Account, such information is not provided on a real-time basis and therefore there may be a delay between the time that a transaction occurs and when it appears on your Account, as viewed through the Services. Your Account records maintained by us provide the final and conclusive information about your Account and may include information in addition to that available to you as viewed through the Services. We are not responsible or liable for any problems you my experience as a result of any inconsistency or delays with respect to information about your Account.

33. Service Providers.
The Service is offered 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.

34. Alerts.

34.1. Your enrollment in Digital Banking includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Account(s). Alerts include Credit Alerts and Identity Alerts, each as defined in Section 5.4.1 of Section VII (Credit Monitor and Credit Monitor+ Additional Terms and Conditions). Alerts are provided within the following categories:

Automatic Alerts provide you with important account notifications, such as information about address, email and password changes. You do not have the option to suppress these mandatory alerts.

Custom Alerts must be activated by you to be enabled. These additional alerts can be accessed from Alert Preferences within Digital Banking and the “More” menu within Mobile Banking.

Alerts must be managed and/or added through Digital Banking. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. We reserve the right to terminate the Alerts service at any time without prior notice to you.

34.2. Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Digital Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the Service Providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint Service Provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

34.3. Alerts via Text Message. To stop Alerts via text message, text "STOP" to 24179 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just sign in and select the More menu and click Alerts to select Alerts you’d like to receive again. In Online Banking visit Alert Preferences to select the Alerts you'd like to receive again. For help with SMS text alerts, text “HELP” to 24179 In case of questions please contact our Customer Care Service as provided under Paragraph 14 of the General Terms and Conditions. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

34.4. Limitations. We provide Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside of our control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Associated Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

34.5. Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

35. Exclusion of Liability and Warranties
THE SITE AND SERVICES, 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.

36. Limitation of Liability.
THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, REPRESENTATIVES AND CONTRACTORS OF ANY OF THESE, FOR THE SERVICES AND THE SITE. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICES OR SITE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET OR WIRELESS DISRUPTION, OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, REPRESENTATIVES AND 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 OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, REPRESENTATIVES AND CONTRACTORS OF EACH 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 SERVICES OR THE SITE, 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 OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, REPRESENTATIVES AND CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES OR THE SITE THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING 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 OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, REPRESENTATIVES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THE SERVICES, THE SITE AND 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.

37. Intellectual Property.
All marks and logos related to Digital Banking or the Electronic Banking Services 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 or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to Digital Banking and the Electronic Banking Services, the technology related to Digital Banking and the Electronic Banking Services, 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 Digital Banking or the Electronic Banking Services 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.

38. Links and Frames.
Links to other sites may be provided on Digital Banking 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 Digital Banking. For example, if you "click" on a banner advertisement or a search result, your "click" may take you out of Digital Banking. This may include links from advertisers, sponsors, and 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 Digital Banking may send cookies to users that we do not control. You may link to the home page of Digital Banking. However, you may not link to other pages of Digital Banking without our express written permission. You also may not "frame" material on our Digital Banking without our express written permission. We reserve the right to disable links from any third-party sites to Digital Banking.

39. No Waiver
We shall not be deemed to have waived any of our rights of remedies hereunder unless we provide a written waiver, signed by an authorized officer of Associated Bank. 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 wavier of any rights or remedies on future occasions.

40. Notices and Amendments.
Any part of this Agreement, including without limitation applicable fees and service charges, may be amended by us from time to time. We will notify you of any changes to this Agreement as required by applicable law. We may provide notices to you regarding the Services and this Agreement and as well as any changes to the Services or amendments to this Agreement by posting the notice on Digital Banking, sending you an in-product message with the Service, emailing the notice to an email address that you have provided to us, mailing the notice to any postal address that you have provided to us, or by sending the notice as a text message to any mobile phone number that you have listed under the Digital Banking “Profile” tab. Any use of any of the Services after we provide you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the applications, services and/or related 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 applications, services and/or related material and limit access to only the Services' more recent revisions and updates. In addition, you agree to receive all legally required notifications via electronic means if we choose to provide notice electronically. Unless otherwise indicated, Amendments posted in Digital Banking will be effective on the date posted.

41. 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, including without limitation a third party claim, dispute, action or allegation of infringement, misuse or misappropriation based on information, data, files or otherwise in connection with your use of the Services or your violation of any law or rights of a third party.

42. 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.

43. Miscellaneous.
All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Associated Bank, N.A. is a Member FDIC and an Equal Housing Lender. You agree that you will use the Services for personal use only. You agree that you will not use any of the Services outside the United States.

44. Assignment.
You may not transfer or assign any rights or obligations you have under this Agreement to any other party. We may assign this Agreement to our successor in interest or to any, directly or indirectly, affiliated company. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

45. Entire Agreement, Severability, Captions and Survival.
This Agreement sets forth the entire understanding between us and you with respect to the Services and supersedes any proposal or prior agreement, oral or written, and any other communications between us. 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 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 of this Agreement which by their nature should survive, will survive the termination of this Agreement. If there is a conflict between the terms of this Agreement and something stated by an employee or agent of ours (including but not limited to its customer care personnel), the terms of the Agreement will prevail.

SECTION II. MOBILE BANKING ADDITIONAL TERMS AND CONDITIONS
The terms and conditions in this Section II apply only to the Associated Mobile Banking Additional Terms and Conditions described in more detail in this section. Capitalized terms that are not otherwise defined in this Section II, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section II and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section II shall govern with respect to the Mobile Banking App.

1. Mobile Banking Services.

1.1. The Mobile Banking App allows you access to your Account information, to make transfers between certain accounts, to set up and pay Billers under our Bill Pay Service, the ability to locate Associated ATMs and bank branches, the ability to deposit checks, and the ability to use the Zelle® Payment Service. To access the Mobile Banking App, you must download the Mobile Banking App to a supported Mobile Device. After you have downloaded the Mobile Banking App to a supported Mobile Device, you may access your device using your Digital Banking username and password or biometric information. Please see Paragraph 4 of the General Terms and Conditions regarding usernames, passwords and biometric information security.

1.2. Questions: Please contact our Customer Care Service as provided under Paragraph 14 of the General Terms and Conditions.

1.3. Mobile Banking App may not be available from time to time due to reasons outside of our reasonable control, your Mobile Device carrier, or any service provider.

2. Your Obligations.
You accept responsibility for making sure that you know how to properly use your Mobile Device and we will not be liable to you for any losses caused by your failure to properly use the Service or your Mobile Device.

3. Mobile Device Carrier.

3.1. You agree that any use by you of the Services may be also subject to the terms and conditions of any agreements you have with third party service providers, such as your Mobile Device Carrier and that these Terms and Conditions do not amend or supersede any of those agreements. Those agreements may contain requirements and limitations, including your responsibility for fees and charges, which may impact your use of the Services. You agree that you are solely responsible for all such fees, service charges, limitations and restrictions.

3.2. Only your Mobile Device Carrier is responsible for its products and services. You agree to resolve any problems with your wireless provider directly without involving us.

3.3. We assume no responsibility for the operation, security, functionality or availability of any wireless phone device or mobile network which you utilize to access the Services.

3.4. The Services may not be accessible over some mobile networks.

4. Mobile Deposit

4.1. Description of Functionality.
The Associated Mobile Deposit feature in the Mobile Banking application allows you to make deposits of original checks (each an “Item”) to your designated Account held with us by scanning or capturing electronic images of such Items with a capture device supported by the Mobile Deposit feature (e.g., the camera on your Mobile Device) and submitting the images and associated information to us for processing using the Mobile Deposit feature. All Items received through Mobile Deposit will be treated as deposits of checks under the Deposit Account Agreement.

4.2. Deposit Limits.
For security reasons there are limits on deposits using Mobile Deposit. These limits vary and are based on a variety of factors including (but not limited to) the amount of an individual item and the total amount of deposits made using Mobile Deposit during a certain period of time. You may also call our Customer Care Center at the number listed under Paragraph 14 of the General Terms and Conditions if you have any questions.

4.3. Image Quality.
The image of an Item transmitted using Mobile Deposit must be legible and clear and provide all information on the front and back of the original Item, including a complete image of all endorsements. It must not be altered. It must capture all pertinent information from both sides of the Item. Image quality must comply with industry requirements established and updated by the American National Standards Institute, Federal Reserve Board and any other regulatory agency. We reserve the right at our sole discretion to reject any image for deposit using Mobile Deposit. We will notify you of any rejected Items.

4.4. Endorsement Requirements.
You agree to properly endorse with your signature all Items submitted using Mobile Deposit in the area of the Item reserved for endorsements. Further, your endorsement must clearly indicate that the item was submitted electronically by including in the endorsement area the statement “For mobile deposit only at Associated Bank” or marking any preprinted checkbox in the endorsement section to indicate the Item was electronically deposited. We reserve the right to refuse any Item submitted by Mobile Deposit that is not properly endorsed in accordance with these requirements.

4.5. Eligible Items and Restrictions.
All Items deposited by Mobile Deposit are subject to the following eligibility requirements and restrictions:

Items must be drawn only on a United States financial institution and must be payable in United States dollars;
Items may not be payable to any person or entity other than you as payee (e.g., payable to “cash” or another party and then endorsed to you), except that we will accept Items payable to you together with another person provide your names are conjoined with the word “or” between them (e.g. payable to “John Smith or Jane Doe”).
Items may not contain any alterations
You may not deposit Items which you know or suspect, or should know or suspect, are fraudulent; and
You may not deposit Items prohibited by our current procedures relating to Mobile Deposit or which are otherwise not acceptable under the terms of your Account.

4.6. Additional Terms.
You also agree:

All Items you deposit are original paper Items and not an electronic or remotely created check:
After submitting an Item for deposit using Mobile Deposit you will not redeposit, negotiate, transfer, cash, or otherwise seek to collect funds using the original Item;
To complete each deposit promptly and keep your Mobile Device in your possession until each deposit has been completed;
Not to create duplicate images of the original Item;
Not to deposit Items that are not payable to you;
Not to deposit Items that you do not have the authority to deposit;
After you submit an Item for deposit you are solely responsible for the storage and destruction of the original Items;
The electronic image of the Item will become the legal representation of the Item for all purposes; and
Any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn, including, without limitation, all endorsements.
Not to use the Mobile Deposit feature of the Mobile Banking application outside of the United States.

4.7. Cutoffs and Availability of Funds.
If we receive the image of an Item for deposit on or before 6:00 p.m. Central Time on a Business Day, we will consider that day the day of deposit. If we receive the image of an Item for deposit after 6:00 p.m. Central Time or on a weekend or on a non-Business Day, we will consider the next Business Day as the day of deposit. Funds deposited using Mobile Deposit will be made available to you in accordance with the Bank’s Funds Availability Policy Disclosure for deposited checks except that funds from checks deposited by Mobile Deposit drawn on Associated Bank will generally be available on the Business Day following the day we receive the deposit unless your account is eligible for earlier funds availability. The Bank’s Funds Availability Policy Disclosure can be found in the Deposit Account Agreement.

4.8. Rejected Deposits, Deposit Verification, Safekeeping and Disposal.
Deposits made using Mobile Deposit are provisional and subject to final review. We reserve the right to reject a deposit made using the Mobile Deposit feature in our sole discretion. You are responsible for verifying that Items you have submitted for deposit by Mobile Deposit have been credited to your account. You agree to safeguard and keep the original Item for seven (7) calendar days after the date the Item is credited to your account (the “holding period”). Upon our request we may require you to deliver to us the requested original Item in your possession. If not provided in a timely manner, such amount will be reversed from your Account. After the holding period expires, you agree to mark the item as “VOID” and physically destroy it to ensure it is not presented for deposit again.

4.9. Indemnification.
In addition to any other Indemnification provisions that are part of the General Terms and Conditions, you agree to indemnify, defend and hold us harmless from and against any claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your use of Mobile Deposit, including, for example, a subsequent deposit of any previously deposited item. This obligation survives termination of the Terms and Conditions and/or this Section II.

SECTION III. BILL PAYMENT SERVICE ADDITIONAL TERMS AND CONDITIONS
The terms and conditions in this Section III apply only to the Bill Payment Service Additional Terms and Conditions described in more detail in this section. Capitalized terms that are not otherwise defined under Paragraph 15 of this Section III, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section III and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section III shall govern with respect to the Bill Payment Service.

1. Description of Service. The term “Bill Payment Terms” means these Bill Payment Service Additional Terms. You may access the Bill Payment Service in both Online Banking and Mobile Banking. The Bill Payment Service enables you to receive, view, and pay bills from Online Banking and Mobile Banking.

2. Payment Scheduling.

2.1. The earliest possible Scheduled Payment Date for each Biller will be designated within the portion of the Site through which the Service is offered when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. Depending on the method of payment, your Eligible Transaction Account may be debited prior to the Scheduled Payment Date. For example, if the selected method of payment is a draft check drawn on your account, the draft check arrives earlier than the Scheduled Payment Date due to expedited delivery by the postal service, and the Biller immediately deposits the draft check, your Eligible Transaction Account may be debited earlier than the Scheduled Payment Date.

2.2. In addition, you can elect, through use of the Bill Payment Service, for an additional fee, to accelerate the delivery of a payment to a Biller through use of either the Same Day Bill Payment Service or the Overnight Check Service. These services will not be available to you if the daily cut off time for the service has passed. If the Service Provider has an electronic transfer agreement with the Biller, then the payment will be made the same day electronically through the Same Day Bill Payment Service and a fee as set forth in Exhibit A Service Fees will be incurred by you for that Same Day Bill Payment Service electronic payment; if no such agreement exists, then the payment will be sent the same day via check through the Overnight Check Service and a fee as set forth in Exhibit A Service Fees will be charged for that service. All such fees will be paid by you directly to our Service Provider who will then remit a portion of those fees to us for our services rendered. You agree to pay such charges and authorize us to deduct the amount from the Payment Account you hold with us for these amounts and any additional charges that may be incurred by you. Any fees associated with your standard deposit accounts as set forth in the Consumer Deposit Account Fee Schedule will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

3. The Service Guarantee.
Due to circumstances beyond our control or the control of the Bill Payment Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Bill Payment Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with Paragraph 2, above of the Bill Payment Terms (Payment Scheduling).

4. Biller Setup.
Before you can authorize a payment to a Biller, you must first setup your billing information for the Biller in the Bill Payment Service. You must provide certain information about the Biller such as the Biller name, your billing account number, the Biller’s mailing address, the Biller’s contact phone number, and any other information that may be required by the Bill Payment Service. Some Billers are pre-established in the Bill Payment System and only require that you enter your billing account number. You may be able to set up information for some Billers by using the photo capture setup feature in the Mobile Banking App, which allows you to scan an image of your bill to capture and download the required Biller information fields into the Bill Payment System. You are responsible for reviewing and verifying the accuracy of all Biller setup fields. We are not responsible for any failed or returned Biller payments resulting from your failure to provide accurate Biller setup information.

5. Payment Authorization and Payment Remittance.

5.1. By providing the Bill Payment Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through Online and Banking or Mobile Banking, as applicable. In order to process payments more efficiently and effectively, the Bill Payment Service may edit or alter payment data or data formats in accordance with Biller directives.

5.2. When the Bill Payment Service receives a Payment Instruction, you authorize the Bill Payment Service to debit your Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Bill Payment Service to credit your Account for payments returned to the Bill Payment Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Bill Payment Service.

5.3. The Bill Payment Service will attempt to make all your payments properly. However, the Bill Payment Service shall incur no liability and any Service Guarantee (as described in Paragraph 3 of this Section III) shall be void if the Bill Payment Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

If, through no fault of the Service, your Account does not contain sufficient available funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
The payment processing center is not working properly and you know or have been advised by the Bill Payment Service about the malfunction before you execute the transaction;
You have not provided the Bill Payment Service with the correct Account information, or the correct name, address, phone number, or account information for the Biller; and/or,
Circumstances beyond control of the Bill Payment Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Bill Payment Service has taken reasonable precautions to avoid those circumstances.

5.4. Provided none of the foregoing exceptions are applicable, if the Bill Payment Service causes an incorrect amount of funds to be removed from your Account or causes funds from your Account to be directed to a Biller which does not comply with your Payment Instructions, the Bill Payment Service shall be responsible for returning the improperly transferred funds to your Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

6. Payment Cancellation Requests. You may cancel or change any Scheduled Payment (including recurring payments) by following the directions within Online Banking or Mobile Banking, as applicable. There is no charge for canceling or changing a Scheduled Payment. Once the Bill Payment Service has begun processing a payment it cannot be cancelled or changed, therefore a stop payment request must be submitted.

7. Stop Payment Requests. The Bill Payment Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Bill Payment Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact our Customer Care Center for the Service in the manner set forth in Paragraph 14 under the General Terms and Conditions. Although the Service will attempt to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

8. Exception Payments Requests. Exception Payments may be scheduled through the Bill Payment Service, however Exception Payments are discouraged and must be scheduled at your own risk. Except as required by applicable law, in no event shall the Bill Payment Service be liable for any claims or damages resulting from your scheduling of Exception Payments. The Bill Payment Service Guarantee (as described in Section 3 of the Bill Payment Terms) does not apply to Exception Payments.

9. Bill Delivery and Presentment. Exception Payments may be scheduled through the Bill Payment Service, however Exception Payments are discouraged and must be scheduled at your own risk. Except as required by applicable law, in no event shall the Bill Payment Service be liable for any claims or damages resulting from your scheduling of Exception Payments. The Bill Payment Service Guarantee (as described in Section 3 of the Bill Payment Terms) does not apply to Exception Payments.

9.1. Presentation of electronic bills — You will receive electronic bills from a Biller only if both: (a) you have designated it in the Bill Payment Service as one of your Billers, and (b) the Biller has arranged with our Service Provider to deliver electronic bills. The Bill Payment Service may then present you with electronic bills from that Biller if either: (1) you affirmatively elect online within the Bill Payment Service to receive electronic bills from the Biller, or (2) the Biller chooses to send you electronic bills on a temporary “trial basis.” In either case, you can elect online within the Bill Payment Service to stop receiving electronic bills from a Biller. Electing to receive electronic bills, automatically receiving trial electronic bills, and declining further elected or trial electronic bills all occur on an individual Biller basis. The Service does not include an option to prevent ever participating in the automatic trial electronic bill feature. When affirmatively electing to receive electronic bills from a particular Biller, you may be presented with terms from that Biller for your acceptance. We are not a party to such terms.

9.2. Paper Copies of electronic bills — If you start receiving electronic bills from a Biller, the Biller may stop sending you paper or other statements. The ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. Check with the individual Biller regarding your ability to obtain paper copies of electronic bills on a regular or as-requested basis.

9.3. Sharing Information with Billers — You authorize us to share identifying personal information about you (such as name, address, telephone number, Biller account number) with companies that you have identified as your Billers and which we have identified as offering electronic bills for purposes of matching your identity on the Service’s records and the Biller’s records to (a) activate your affirmative request for electronic bills, and/or (b) confirm your eligibility for “trial basis” electronic bills

9.4. Information held by the Biller. We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses, that is held by the Biller. Any changes will require you to contact the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. We may, at the request of the Biller, provide to the Biller your email address, service address, or other data specifically requested by the Biller for purposes of the Biller matching your identity against its records or informing you about the Biller’s services and/or bill information.

9.5. Activation. We will notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

9.6. Authorization to obtain bill data. You authorize us to obtain bill data from your Billers that you have requested to send you electronic bills, and from your Billers that wish to send you trial electronic bills. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

9.7. Notification. We will attempt to present all of your electronic bills promptly. In addition to notification within the Bill Payment Service, we may send an e-mail notification to the e-mail address listed for your Account(s) in Online Banking or Mobile Banking. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Bill Payment Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

9.8. Cancellation of electronic bill notification. The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

9.9. Non-Delivery of electronic bill(s). You agree to hold us harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

9.10. Accuracy and dispute of electronic bill. We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be directly addressed and resolved with the Biller by you.

9.11. This Agreement does not alter your liability or obligations that currently exist between you and your Billers

10. Disclosure of Account Information to Third Parties. It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your Account or the transactions you make in the following situations pursuant to our Privacy Policy, in addition to the circumstances set forth in Paragraph 25 of the General Terms and Conditions (Information Authorization):

Where it is necessary for completing transactions;
Where it is necessary for activating additional services;
In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;
To a consumer reporting agency for research purposes only;
In order to comply with a governmental agency or court orders; or,
If you give us your written permission.

11. Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the Service. You are responsible for any and all telephone access fees, mobile data and Internet service fees. Paragraph 26 of the General Terms and Conditions (Failed Or Returned Payment Instructions) applies if you do not pay our fees and charges for the Service, including without limitation if we debit the Billing Account for such fees, as described in this Section, and there are insufficient fees in the Billing Account.

12. Biller Limitation. We reserve the right to refuse to pay any Biller to whom you may direct a payment. You will receive notification, as required by applicable law, if a decision is made to refuse send a payment to a Biller.

13. Returned Payments. In using the Bill Payment Service, you understand that Billers and/or the United States Postal Service may return payments to the Bill Payment Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Bill Payment Service will attempt to research and correct the returned payment and return it to your Biller, or void the payment and credit your Account. You may receive notification from the Service.

14. Information Authorization. In addition to Paragraph 25 of the General Terms (Information Authorization), you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

15. Definitions.

15.1. "Biller" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

15.2. "Billing Account" is the checking account from which all Service fees will be automatically debited.

15.3. "Due Date" is the date reflected on your Biller statement for which the payment is due, not the late payment date or the date beginning or a date during any grace period.

15.4. "Account" is as defined in Paragraph 2.2 of the General Terms, except that it shall be limited to an account that you hold with us, and from which bill payments will be debited.

15.5. "Exception Payments" means payments to deposit accounts or brokerage accounts, payments to settle securities transactions (including, without limitation, stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property).

15.6. "Payment Instruction" is as defined in Paragraph 2.18 of the General Terms, and is further defined as the information provided by you to the Bill Payment Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).

15.7. "Scheduled Payment" is a payment that has been scheduled through the Bill Payment Service but has not begun processing.

15.8. "Scheduled Payment Date" is the day you want your Biller to receive your bill payment, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

SECTION IV. ACCOUNT TO ACCOUNT TRANSFER SERVICE ADDITIONAL TERMS AND CONDITIONS
The terms and conditions in this Section IV apply only to the Account to Account Transfer Service described in more detail in this section. Capitalized terms that are not otherwise defined in this Section IV, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section IV and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section IV shall govern with respect to the Account to Account Transfer Service.

1. Description of Service, Authorization and Processing.

1.1. The term “Transfer Money Terms” means these Account to Account Transfer Service Additional Terms. The Account to Account Transfer Service (for purposes of these Transfer Money Terms, and the General Terms as they apply to these Transfer Money Terms, "the A2A Service") enables you to transfer funds between your Account(s) that you maintain with us, and your Account(s) that are maintained by other financial institutions. You represent and warrant that you are either the sole owner or a joint owner of the Account and the External Account and that you have all necessary legal right, power and authority to transfer funds between the Account and the External Account. If you are a joint owner of the 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.

1.2. When we receive a Transfer Instruction from you, you authorize us to (i) debit your Account and remit funds on your behalf to the External Account designated by you and to debit your applicable Account; or, as applicable, to (ii) credit your Account and remit funds on your behalf from the External Account designated by you and to debit your applicable External Account. You also authorize us to reverse a transfer if the debit is returned from the other account in the transaction for any reason, including but not limited to nonsufficient funds.

1.3. 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:

1.3.1. If, through no fault of ours, the 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;

1.3.2. The A2A Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;

1.3.3. The transfer is returned as described in Paragraph 6 of the Transfer Money Terms below;

1.3.4. You have not provided us with the correct information, including but not limited to the correct Account or External Account information; and/or,

1.3.5. 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.

1.4. It is your responsibility to ensure the accuracy of any information that you enter into the A2A 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.

2. Transfer Methods and Amounts. Paragraph 21 of the General Terms and Conditions (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.

3. Transfer Cancellation Requests and Refused Transfers. You may cancel a transfer at any time until it begins processing (as shown in the A2A Service). We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied transfer to your Account that we debited for the funds transfer. If this is unsuccessful (for example, the Account has been closed) we will make reasonable attempts to otherwise return the funds to you.

4. Stop Payment Requests. If you desire to stop any transfer that has already been processed, you must contact customer care for the Service pursuant to Paragraph 14 under the General Terms and Conditions. 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.

5. Refused Transfers. We reserve the right to refuse any transfer. We will notify you, as required by applicable law, if we decide to refuse to transfer funds.

6. Returned Transfers. In using the A2A Service, you understand transfers may be returned 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 and credit your Account from which you attempted to transfer funds. You may receive notification from us.

7. Definitions

7.1. “Account" is as defined in Paragraph 2.2 of the General Terms, except that it shall be limited to a checking, money market or savings account that you hold with us.

7.2. "External Account" is your account at another financial institution (i) to which you are transferring funds from your Account; or (ii) from which you are transferring funds to your Account.

7.3. "Transfer Instruction" is a specific Payment Instruction (as defined in Paragraph I.2.12 of the General Terms) that you provide to the A2A Service for a transfer of funds.

SECTION V. ZELLE® AND OTHER PAYMENT SERVICES ADDITIONAL TERMS AND CONDITIONS

The terms and conditions in this Section V apply only to your use of the Zelle® and Other Payment Services described in more detail in this section. Capitalized terms that are not otherwise defined in this Section V, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section V and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section V shall govern with respect to the Zelle® and Other Payment Services.

1. Description of Services.

1.1. The Zelle Network® (“Zelle®”) is a convenient way to send and receive money with others you trust. Zelle® enables you to send and receive money with customers who are enrolled with with us or with another financial institution that partners with Zelle® (each a “User”) using aliases, such as email addresses, mobile phone numbers, or other unique identifiers (“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.

1.2. In addition to the Zelle® Payment Service, we provide other payment services under this Agreement. 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®. These payment services are referred to as “Other Payment Services” in this Agreement. The term “Zelle® and Other Payment Services” means the Zelle® Payment Service and the Other Payment Services.

1.3. 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. 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 the control of us or Zelle®. Live customer service generally will be available Monday through Friday, excluding US financial institution holidays.

1.4. 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 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 Payment Services 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.

2. Payment Authorization and Payment Remittance.

2.1. Section 1.3 of the General Terms does not apply to the Zelle® Payment Service. When you enroll to use the Zelle® Payment Service or when you permit others to whom you have delegated to act on your behalf to use or access 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 20 (Prohibited Payments), 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. Zelle® and we reserve the right to terminate, suspend, or limit your access to or use of the Zelle® Payment Service at any time and without prior notice, including for reasons involving your use of the Zelle® Payment Service at any Network Financial Institution which may be deemed to be illegal, improper, brand damaging or potentially exposing us, Zelle®, or the financial system to risk.

2.2. This Section 2.2 does not apply to small business Users enrolled in 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.

2.3. To be eligible to enroll for the Zelle® and Other Payment Services, you represent that: (i) you are a U.S. resident; (ii) you can form legally binding contracts under applicable law; (iii) you maintain one active Eligible Transaction Account with us and which account is in good standing; and (iv) you have the authority to authorize debits and credits to the enrolled Eligible Transaction Account you maintain with us. By using the Zelle® and Other Payment Services, you represent that you meet these requirements and that you agree to be bound by this Agreement. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and/or a permanent U.S. 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 Zelle® Payment Service with a landline phone number, toll-free 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, we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number or email address, or we receive information that you are not the owner of the mobile number or email address, 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 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 it with Zelle®. If you enroll for the Zelle® Payment Service and select to use a Zelle® tag, the mobile phone number associated with your User profile will be used as a contact method for certain communications related to the Zelle® Payment Service and must meet the requirements described herein.

2.4. 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, email addresses and/or Zelle® tags 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.

2.5. 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.

2.6. 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.

2.7. 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:

2.7.1. 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;

2.7.2. 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;

2.7.3. The payment is refused as described in Section 6 (Payment Cancellation, Stop Payment Requests and Refused Payments) below;

2.7.4. 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 email address, Zelle® tag or mobile phone number of the Receiver to whom you are initiating a Payment Instruction; and/or,

2.7.5. 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.

2.8. 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. Sending Payments.

3.1. You may send money to another User at your initiation or in response to that User’s request for money. When you send money to another User at your initiation, you may initiate a: (i) one-time payment that will begin processing immediately, (ii) one-time future dated payment that will begin processing on a specified future date, or (iii) recurring payment series that will begin processing recurring payments on a specified series of dates. Further details about each of these options can be found on the Site. 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 initiate sending money using Zelle® and Other Payment Services and a payment has begun processing, it cannot be edited or canceled. One-time payments that process immediately cannot be edited or canceled. You may only edit or cancel a one-time future dated payment or recurring payment until the payment begins processing. As to the Zelle® Payment Service, if the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account (except as otherwise provided in Section 3.6 below) and may not be canceled or revoked. We therefore recommend that you use the Zelle® Payment Service to send money only to people you know and trust. Your ability to cancel or stop payments is addressed more generally in Section 6 (Payment Cancellation, Stop Payment Requests and Refused Payments) below.

3.2. Payment Instructions initiated to Receivers require you to provide contact information about the Receiver (including an email address, mobile telephone number and/or Zelle® tag). 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 (a “Two-Step Transfer”). If the Receiver has already enrolled in Zelle®, then the Receiver will receive a message regarding your payment.

3.3. 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 below in Section 29 (Errors, Questions, and Complaints).

3.4. 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®, the other Network Financial Institutions, and other Zelle® users, 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®, 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. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver not enrolling in Zelle®. The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we or Zelle® delay or block a payment that you have initiated, we will notify you via email to the designated email address within your Zelle® profile. Neither we nor Zelle® have control over the actions of other Users or other Network Financial Institutions that could delay or prevent your money from being delivered to the intended User.

3.5. 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. 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.

3.6. For Zelle® Payment Service payments, as to Recipients who have not yet enrolled with Zelle®, you acknowledge and agree that when we begin processing the Payment Instruction we will debit funds from your Eligible Transaction Account immediately, but we will only begin to process the requested transfer of funds to the Receiver 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.

4. Receiving Payments; Money Transfers by Network Financial Institutions.

4.1. 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. By using the Zelle® Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle® request for money, 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 request for money, 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.

4.2. 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, 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 or Zelle® may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we or Zelle® delay or block a payment that you have initiated through a request for money, we will notify you via email to the designated email address within your Zelle® profile. 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. We have no control over the actions of other Users, Zelle® or other Network Financial Institutions that could delay or prevent a transfer of money to you. 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 Sender'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 Sender's initiation of Payment Instructions to you, and, as a Receiver, you may receive requests for money, from others through the Zelle® Payment Service.

4.3. 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 sender'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.

5. Requesting Payments.

You may request money from another User. 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 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 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 request for money that you send that is related to overdue or delinquent amounts. You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money 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 requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

If applicable, if you as a Requestor initiate a request for money 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), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the 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 request for money may not receive, or otherwise may reject or ignore, your request. We do not guarantee that you will receive any payments from individuals by initiating a request for money.

6. Payment Cancellation, Stop Payment Requests and Refused Payments.

Sender may only cancel a Payment Instruction until the payment begins processing. Sender may only 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 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, we will have no liability for failing to do so. We may also require you to present your stop payment request in writing within fourteen (14) days after contacting Customer Care at 800-682-4989 or otherwise directing us to stop a payment. If we charge you to stop the payment, then the charge for each stop payment request will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver who has not enrolled in Zelle® will be automatically cancelled by us 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.

7. Service Providers.

We are offering you the Zelle® and Other Payment Services through one or more Service Providers that we have engaged to render some or all of the Zelle® and Other Payment Services to you on our behalf. However, notwithstanding that we have engaged such a Service Provider to render some or all of the Zelle® and Other Payment Services to you, to the extent any liability attaches in connection with the Zelle® and Other Payment Services pursuant to Section 39 (Limitation of Liability), we are the sole party liable to you for any payments or transfers conducted using the Zelle® and Other Payment Services and we are solely responsible to you and any third party. 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 this Agreement.

8. Amendments.

We may amend this Agreement and any applicable fees and charges for the Zelle® and Other Payment Services 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 Zelle® and Other Payment 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 Zelle® and Other Payment 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 Zelle® and Other Payment Services, and/or related applications and material, and limit access to only the Zelle® and Other Payment Services’ more recent revisions, updates, upgrades or enhancements.

9. Our Relationship With You.

We act as your agent with respect to the custody of your funds for the Zelle® and Other Payment Services, but we do not have control of, or liability for, any products or services that are paid for with our Zelle® and Other Payment Services. We also do not guarantee the identity of any user of the Zelle® and Other Payment Services (including but not limited to recipients to whom you send payments).

10. 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.

11. Notices to Us Regarding the Zelle® and Other Payment Services.

Except as otherwise stated below, notice to us concerning the Site or the Zelle® and Other Payment Services must be sent by postal mail to:

Associated Bank
Attn: Customer Care Center
1305 Main Street
Stevens Point, Wisconsin 554481

We may also be reached at 800-682-4989 for questions and other purposes concerning the Zelle® and Other Payment Services. We will act on your telephone calls as described below in Section 29 (Errors, Questions, and Complaints), but otherwise, such telephone calls will not constitute legal notices under this Agreement.

12. 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 Zelle® and Other Payment Services, 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 Zelle® and Other Payment Services setup or customer profile.

13. Consent to Emails and Automated Text Messages.

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.

By participating as a User, you represent that you are the owner of the email address, U.S. 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, U.S. mobile phone number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. 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:

13.1.1. 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.

13.1.2. You will immediately notify us if any email address or mobile number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you.

13.1.3. In the case of any messages that you may send through either us or Zelle® or that we may send or Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle® sends on your behalf may include your name.

13.1.4. 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.

13.1.5. To cancel text messaging from us for the Zelle® and Other Payment Services, send STOP to 767666. For help or information regarding text messaging for the Zelle® and Other Payment Services, send HELP to 767666 or contact our customer service at 800-236-8866. You expressly consent to receipt of a text message to confirm your “STOP” request.

13.1.6. Supported Carriers: AT&T, Sprint, T-Mobile, Verizon and others.

13.1.7. 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.

14. Service Fees and Additional Charges.

We do not charge a fee for using the Zelle® and Other Payment Services. However, fees associated with text messaging may be assessed by your mobile carrier, and data rates may apply. 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 a request for money, 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 25 (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 funds in the Eligible Transaction Account.

15. 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.

16. 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.

17. Receipts and Transaction History.

You may view your transaction history by logging into the Zelle® and Other Payment Services and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail. Transactions made through the Zelle® and Other Payment Services will also appear on your statement(s), to include your online banking profile, in the timeframe prescribed by the method in which the payment is posting. We may provide different line item descriptions in your statement(s) dependent upon whether you are enrolled through us utilizing our Zelle® and Other Payment Services through our Site or are enrolled for the Zelle® Payment Service through the Zelle® stand-alone application.

18. 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.

19. Privacy of Others.

If you receive information about another person through the Zelle® and Other Payment Services, you agree to keep the information confidential and only use it in connection with the Zelle® and Other Payment Services.

20. Prohibited Payments.

The following types of payments are prohibited through the Zelle® and Other Payment Services, and we have the right but not the obligation to monitor for, block, cancel and/or reverse such payments:

20.1.1. Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States); and

20.1.2. Payments that violate any federal or state law, statute, ordinance or regulation; and

20.1.3. Payments that violate the Acceptable Use terms in Section 21 below; and

20.1.4. Payments that may be deemed to be illegal, improper, brand damaging or potentially exposing us, our Service Providers, or the financial system to risk or reputational harm; and

20.1.5. Tax payments and court ordered payments.

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 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above of any violations of the Agreement generally.

21. 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 Zelle® and Other Payment Services, regardless of the purpose of the use, and for all communications you send through the Zelle® and Other Payment Services. 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 Zelle® and Other Payment Services 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 Zelle® and Other Payment Services or the portion of the Site through which the Zelle® and Other Payment Services are offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Site or Zelle® and Other Payment Services, or interfere or attempt to interfere, with the Site or the Zelle® and Other Payment Services; 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 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above of any violations of the Agreement generally.

22. Payment Methods and Amounts.

There are limits on the amount of money you can send or receive through our Zelle® and Other Payment Services. Your limits may be adjusted from time-to-time in our sole discretion. You may log in to the Site to view your individual transaction limits. We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf through the Zelle® and Other Payment Services, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to us the method to return funds to you.

23. Your Liability for Unauthorized Transfers.

Immediately following your discovery of an unauthorized Payment Instruction, you shall communicate with Customer Care in the manner set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) 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 establish 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.

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 service, and you are responsible for all transactions that person performs while using your 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.

These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to business accounts.

THE ZELLE® PAYMENT 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 PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® PAYMENT 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). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

24. 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.

25. Failed or Returned Payment Instructions.

In using the Zelle® and Other Payment Services, 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:

25.1.1. 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;

25.1.2. 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; and

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

26. Information Authorization.

Your enrollment in the Zelle® and Other Payment Services may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in or use of the Zelle® and Other Payment Services, 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 Zelle® and Other Payment Services, to authenticate you when you log in, to send you information about the Zelle® and Other Payment Services, 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 Zelle® and Other Payment Services 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 Zelle® and Other Payment Services in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Zelle® and Other Payment Services. The following provisions in this Section apply to certain Zelle® and Other Payment Services:

26.1.1. 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.

26.1.1. 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.

27. Consent to Share Personal Information (Including Account Information).

In addition to Section 26 (Information Authorization) above, 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:

27.1.1. As necessary to resolve a problem related to a transfer or payment between you and another User;

27.1.2. To verify the existence of your bank account;

27.1.3. To comply with government agency or court orders, or debit card, as applicable;

27.1.4. To our affiliates, as permitted by law;

27.1.5. To verify your identity for purposes of compliance with applicable laws, including without limitation the USA PATRIOT Act;

27.1.6. To comply with inquiries in connection with fraud prevention or any investigation;

27.1.7. For our general business purposes, including without limitation data analysis and audits; or

27.1.8. As otherwise permitted by the applicable terms of our Privacy Policy, except that you irrevocably waive any provision of our Privacy Policy which would prevent us from providing this information in connection with any Payment Instruction to which you are a party.

28. Service Termination, Cancellation, or Suspension.

If you wish to cancel the Zelle® and Other Payment Services, you may contact us as set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) 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 Zelle® and Other Payment Services at any time and for any reason or no reason. Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.

29. Errors, Questions, and Complaints.

The provisions of this Section apply only to Eligible Transaction Accounts that are established primarily for personal, family, or household purposes.

29.1.1. In case of errors or questions about your transactions, you should as soon as possible contact us as set forth in Section 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above.

29.1.2. 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:

Tell us your name;
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,
Tell us the dollar amount of the suspected error.

29.1.3. 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 determine whether an error occurred within ten (10) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, 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. For errors involving new Eligible Transaction Accounts, we may take up to ninety (90) days to investigate your complaint or question and up to twenty (20) Business Days to 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.

30. Intellectual Property.

All other marks and logos related to the Zelle® and Other Payment Services 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 Zelle® and Other Payment Services or display them in any manner that implies our sponsorship or endorsement. All rights, title and interest in and to the Zelle® and Other Payment Services, the portion of the Site through which the Zelle® and Other Payment Services are offered, the technology related to the Site and Zelle® and Other Payment Services, 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 Zelle® and Other Payment Services 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.

31. Password and Security.

If you are issued or create any password or other credentials to access the Zelle® and Other Payment Services or the portion of the Site through which the Zelle® and Other Payment Services are 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. 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 11 (Notices to Us Regarding the Zelle® and Other Payment Services) above. See also Section 23 (Your Liability for Unauthorized Transfers) above regarding how the timeliness of your notice impacts your liability for unauthorized transfers.

32. 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 Zelle® and Other Payment Services; 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 Zelle® and Other Payment Services for any reason or no reason and at any time. The remedies contained in this Section 32 are cumulative and are in addition to the other rights and remedies available to us under this Agreement, by law or otherwise.

33. Wireless Operator Data.

In addition to Section 26 (Information Authorization), 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 Zelle® and Other Payment Services. By using the Zelle® Payment Service, you authorize your wireless carrier ( to use or disclose information about your account and your wireless device, if available, to Zelle® or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See Zelle®’s Privacy Policy at https://www.Zelle®pay.com/privacy-policy for how it treats your data. 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.

34. Content Standards; Zelle® Tags

34.1.1. Content Standards: You agree that you will not use the Zelle® Payment Service in any way, or upload or provide content or otherwise post, transmit, distribute, or disseminate through the Zelle® Payment Service any material that: (1) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (2) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (3) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (4) contains corrupted data or any other harmful, disruptive, or destructive files; (5) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (6) in Zelle®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Zelle® Payment Service, or which may expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature.

34.1.2. Although neither we nor Zelle® have any obligation to monitor any content, both we and Zelle® have absolute discretion to remove content at any time and for any reason without notice. We and Zelle® may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle® Payment Service, you may be exposed to content that is offensive, indecent, or objectionable. We and Zelle® are not responsible for, and assume no liability, for any content, including any loss or damage to any of your content. We and Zelle® make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Zelle® Payment Service.

34.1.3. The Zelle® Payment Service may include functionality for you to use a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending, receiving, or requesting money, which will be your “Zelle® tag.” Each Zelle® tag must have an eligible U.S. mobile phone number associated with it and there will be a limit on the number of Zelle® tags you may use. Your Zelle® tag must meet the Content Standards. You may not select a Zelle® tag that misleads or deceives other Users of the Zelle® Payment Service as to your identity, or otherwise. Although neither we nor Zelle® have any obligation to monitor User Zelle® tags, both we and Zelle® have absolute discretion to remove a User Zelle® tag at any time and for any reason without notice. We and Zelle® may require you to change your Zelle® tag in our sole discretion, and we may elect to make a Zelle® tag unavailable to you, without any liability to you. We and Zelle® may also monitor User Zelle® tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle® Payment Service, you may be exposed to a Zelle® tag that is offensive, indecent, or objectionable. We and Zelle® are not responsible for, and assume no liability, for any User Zelle® tags, including any loss or damage caused thereby. We and Zelle® make no representation or warranty that a User Zelle® tag accurately identifies a particular User of the Zelle® Payment Service. We respect the intellectual property of others and require that users of the Zelle® Payment Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish content on the Zelle® Payment Service that is subject to intellectual property rights claims.

35. Liability.

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.

36. 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 Zelle® and Other Payments Services. 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.

37. 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.

38. Disclaimer of Warranties.

THE SITE AND ZELLE® AND OTHER PAYMENT SERVICES 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 ZELLE® AND OTHER PAYMENT SERVICES, 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.

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR ZELLE® MAKES ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE ZELLE® PAYMENT SERVICE. WE AND ZELLE® EXPRESSLY DISCLAIM 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. NEITHER WE NOR ZELLE® 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.

39. 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 ZELLE® AND OTHER PAYMENT SERVICES AND THE PORTION OF THE SITE THROUGH WHICH THE ZELLE® AND OTHER PAYMENT SERVICES ARE OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE ZELLE® AND OTHER PAYMENT SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE ZELLE® AND OTHER PAYMENT SERVICES, 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 ZELLE® AND OTHER PAYMENT SERVICES CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE.

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL WE, ZELLE®, OR OUR RESPECTIVE 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 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®, OR OUR RESPECTIVE 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).

40. 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.

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 attorneys’ 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.

41. Use of Our Online Banking Site and/or Mobile App.

You agree to access the Site and/or mobile app 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.

42. Definitions.

42.1.1. "ACH Network" means the funds transfer system, governed by the NACHA Rules, that provides funds transfer services to participating financial institutions.

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

42.1.3. "Business Day" is every Monday through Friday, excluding Federal Reserve holidays or other days that banks are legally closed.

42.1.4. "Eligible Transaction Account" is a transaction account from which your payments will be debited, your Zelle® and Other Payment Services fees, if any, will be automatically debited, or to which payments and credits to you will be credited, that is eligible for the Zelle® and Other Payment Services.

42.1.5. “Network Financial Institutions” means financial institutions that have partnered with Zelle®.

42.1.6. "Payment Instruction" is the information provided for a payment to be made under the Zelle® and Other Payment Services, which may be further defined and described above in connection with the Zelle® and Other Payment Services.

42.1.7. "Payment Network" means a debit or credit network (such as the ACH Network or ACCEL / Exchange payment network) through which funds may be transferred.

42.1.8. "Receiver" is a person or business entity that is sent a Payment Instruction through the Zelle® and Other Payment Services.

42.1.9. "Requestor" is a person that requests an individual to initiate a Payment Instruction through the Zelle® Payment Service.

42.1.10. "Sender" is a person or business entity that sends a Payment Instruction through the Zelle® and Other Payment Services.

42.1.11. "Service Provider" means companies that we have engaged (and their Affiliates) to render some or all of the Zelle® and Other Payment Services to you on our behalf.

42.1.12. “Zelle® Small Business Service” means functionality, to the extent made available by us, that enables a small business User to (i) send requests for money through the Zelle® Payment Service, and (ii) send and receive Payment Instructions through the Zelle® and Other Payment Services. Users that access the Zelle® and Other Payment Services through a business account shall be classified as Zelle® Small Business Service Users. The Zelle® Small Business Service is included in the definition of “Zelle® Payment Service”.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

SECTION VI. ENHANCED SERVICES TERMS AND CONDITIONS

The terms and conditions in this Section VI apply only to the Enhanced Services Terms and Conditions described in more detail in this section. Capitalized terms that are not otherwise defined in this Section VI, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section VI and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section VI shall govern with respect to the Enhanced Services.

1. Enhanced Services Generally

1.1 Enhanced Services are the services provided by us and /or third parties, to help answer questions, improve your own financial decision making and have greater control over your finances, and to provide a better understanding of your budget. These services include, but are not limited to, account Insights, Data Enrichment, and our virtual assistant, Adie (collectively “Enhanced Services”)..

1.2 Your data will be processed in accordance with the Associated Bank privacy policy. By using these Enhanced Services, you agree that we may share your information with relevant third parties.. You can limit sharing of personal information where appropriate. The circumstances under which we may provide information about your Accounts to affiliates and/or third parties are as set forth in our current Privacy Policy, also referred to as the What Does Associated Banc-Corp Do With Your Personal Information? notice. You agree that we may deliver our privacy notices and opt-out notices to you by making them available on www.associatedbank.com. To access the privacy notice go to www.associatedbank.com/Privacy, or request a paper copy by writing to us at Associated Bank, Attn: CIF - Opt Out MS 7012, P.O. Box 19097, Green Bay, Wisconsin 54307-9097. In addition, you acknowledge that we may share your Enhanced Services interactions to comply with the law, subpoena or court order, and will do so in accordance with applicable law.

1.3 By using these Enhanced Services, you agree that you are responsible for any and all data charges you incur from mobile service providers, internet service providers or other data providers in connection with using these services. These Enhanced Services may be unavailable at certain periods for regular maintenance and updates. In addition, we may stop these Enhanced Services and terminate these terms at any time.

2. Data Enrichment.

2.1 Data Enrichment is a process to enhance, validate and update data. We work with a third-party provider to process this data and produce cleansed and categorized records, which are made available to you via digital application. Your information is de-identified (any details that identify any individual customer are removed). This de-identified information may be shared with Third Party providers to help deliver enhanced products, services, and content via online and mobile banking, where permissible under applicable laws and regulations.

3. Insights.

3.1 Insights is a service designed to monitor and analyze your accounts. Insights uses transaction data and third-party algorithms to identify recurring payments, overdrafts, low balances, refunds, savings, and other elements. Based on this information, we may generate Insights via online and mobile applications to help you manage your financial activity. Associated Bank customers will automatically receive Insights via Digital Banking; however, we reserve the right to send you your Insights by alternative methods.

3.2 The information provided is by Insights is solely for you to use to make your own financial choices. The Insights service is not a financial adviser and is not intended to provide financial advice. Associated Bank does not make any representations, warranties, or guarantees of any kind that the service is appropriate for you. Associated Bank is not liable for any damages incurred related to use of the Insights service and is not responsible for any misuse or misappropriation of information delivered to you via Insights or in any other way.

4. Virtual Assistant (“Adie”).

4.1 Adie is the Bank’s virtual assistant (a bot) that can help you with certain questions related to Digital Banking and provide automated responses to your questions. If you initiate a session, Adie will communicate with you via written responses within the chat session.

4.2 To use Adie, you acknowledge that you will have to type or use dictation to send written messages to Adie and you will receive written responses while in the session. Once you initiate an interaction with Adie, we will maintain a record of your interactions. By using Adie, you agree and consent to Associated transmitting, collecting, transcribing, maintaining, processing, and using this information for this service and service enhancements. You should not include confidential or sensitive information, like your social security number, bank account numbers, PIN, date of birth, credit card account numbers, etc., in chat sessions with Adie.

4.3 Adie may greet you and provide suggestions, information, and other insights to you when you initiate a session. Information provided is for informational purposes only. You are responsible for reviewing the information that Adie displays on the screen and confirming that it accurately reflects your requests or instructions. Please carefully review interactions with Adie, as it is possible that Adie may misunderstand you at times, may not have complete information related to your request, may otherwise make a mistake in responding to you, or the technology may simply not work. Adie is only able to take actions and offer suggestions, information and other insights based upon the current or historical status of your accounts, which may not reflect the full scope of your financial situation. You can always confirm your account activity within Digital Banking, or your account statements, and we encourage you to do so.

4.4 You are solely responsible for any content of any kind you transmit via Adie. You agree not to use Adie or attempt to use Adie in any way that is prohibited, including but not limited to the following prohibited activities or conduct: (1) profane, abusive or threatening language or conduct; (2) violate any applicable local, state national or international law or regulations; (3) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or identity; (4) violate any third party rights; or (5) promote or further criminal activity of any kind. You are solely liable and responsible for any acts or omissions resulting in prohibited activities or conduct.

SECTION VII. CREDIT MONITOR AND CREDIT MONITOR+ ADDITIONAL TERMS AND CONDITIONS

The terms and conditions in this Section VII apply only to your use of the following two products: (1) Credit Monitor and (2) Credit Monitor+ (each, a “Credit Monitor Service” and collectively, the “Credit Monitor Services”), each described in more detail in this section. Capitalized terms that are not otherwise defined in this Section VII, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section VII and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section VII shall govern with respect to the Credit Monitor Service.

1. Eligibility.

1.1. To use either Credit Monitor Service, you must be (1) an Associated Bank accountholder (as further described in this Section 1.1), (2) a resident of the United States or any United States territory or possession, and (3) at least 18 years old. Credit Monitor is available to any Associated Bank customer who (a) satisfies these eligibility requirements and (b) is a Balanced Checking accountholder or a Choice Checking accountholder. Credit Monitor+ is available to any Associated Bank customer who (i) satisfies these eligibility requirements and (ii) is an Associated Bank Colleague Checking accountholder, a Platinum Choice Checking accountholder, a Private Banking Checking accountholder, or a Private Banking Money Market accountholder. You may access and use the Credit Monitor Service that is made available to you in accordance with this Section 1.1 without charge. We may modify these eligibility requirements or determine additional eligibility requirements in our sole discretion at any time.

1.2. Some or all features of the Credit Monitor Service may not be available to you in certain circumstances, including but not limited to if you have limited or no credit reporting agency data, if your Associated Bank account is closed or recently opened, or if we are unable to verify your identity.

2. Registration and Enrollment. To access the Credit Monitor Service, you may be required to provide personal information and other information to register and enroll for the applicable Credit Monitor Service. You must provide current and accurate information when registering and enrolling. You agree to not share your password with any third party, and you agree to not impersonate, or to use the username or password, of another person. You agree to notify us immediately of any unauthorized use of the Credit Monitor Service and of any loss, theft, or disclosure of your password. Failure to comply with this Section 2 may result in loss of your access to the Credit Monitor Service.

3. Authorization to Obtain Credit Information; Consent to Sharing Information.

3.1. You understand that by checking the authorization box and “I Accept” during enrollment for either Credit Monitor Service, you (1) agree to these terms and conditions for both Credit Monitor and Credit Monitor+ to the extent applicable now and in the future, and (2) are providing “written instructions” under the Fair Credit Reporting Act and any other applicable laws to Associated Bank and its affiliates and service providers (including Array US, Inc. and its service providers) (collectively, the “Associated Bank Parties”) authorizing the Associated Bank Parties to obtain information from your personal credit profile from any credit reporting agency. You authorize (1) the Associated Bank Parties to obtain such information solely to confirm your identity, display your credit data to you, present you with credit and financial guidance, for internal analytics, and for other purposes related to your relationship with Associated Bank and its affiliates and (2) Associated Bank to obtain such information to also offer you other products and services.

3.2. You acknowledge and agree that by enrolling in the Credit Monitor Service, you consent to Associated Bank sharing consumer credit report information about you that was obtained by or on behalf of Associated Bank in connection with the Credit Monitor Service with our affiliates and service providers in accordance with the Privacy Policy.

4. Features of Credit Monitor. Credit Monitor includes the following features: (1) your credit score, (2) a display of your credit score trend over time, (3) educational information about credit scores and, (4) automatic notifications sent to the email address you provide (collectively, “Credit Monitor Features”).

4.1 The credit score provided by Credit Monitor is based on the VantageScore® 3.0 model supplied by Experian (“Experian”). This credit score is designed to predict credit risk. The VantageScore® credit score that you obtain through Credit Monitor only reflects information included in your Experian consumer credit report, and does not reflect information for accounts that are not reported to or are deleted from your Experian consumer credit report. This credit score reflects a snapshot of your credit profile at a specific point in time (based on the information included in your Experian consumer credit report), and since your credit profile is continuously changing, the credit score shown by Credit Monitor may not reflect the most current data included in your Experian consumer credit report. Credit Monitor does not maintain your consumer credit report information and is not able to make any changes to it.

4.2. Each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) uses a different model to calculate credit scores and gathers data from many different sources independently and at different times, and there are many different credit scores available based on or that use different models, reports, and other inputs. The VantageScore® credit score that you obtain through Credit Monitor may not be the credit score that Associated Bank and other financial institutions and entities use to make decisions regarding account openings, interest rate determinations, credit approvals, and other purposes. Associated Bank and other financial institutions and entities may also use information other than credit scores to make these decisions.

4.3. Obtaining your VantageScore® credit score through Credit Monitor does not affect your credit score. If you choose to apply for additional products and services that we offer (including extensions of credit), we may need to obtain your credit report, which can affect your credit score.

4.4. You may receive automatic email alerts sent to the email address you provide when Credit Monitor detects events impacting your credit information, such as a new inquiry, a new account, or a new delinquency associated with your credit information. Credit Monitor may not detect all new inquiries, accounts, or delinquencies if they are not reported through your Experian consumer credit report.

5. Features of Credit Monitor+. Credit Monitor+ includes the Credit Monitor Features and the following additional features: (1) your credit report from Experian, refreshed on a monthly basis, (2) information about six major credit score factors (payment history, credit usage, age of credit, credit balances across all accounts, recent credit checks, available credit) that may affect your VantageScore® credit score, (3) a credit score simulator, (4) a debt analysis feature, (5) credit monitoring and digital banking alerts when changes that can affect your credit occur, (6) identity protection features (including certain monitoring services for fraudulent use of personal information and identity theft), (7) identity restoration assistance, and (8) identity theft insurance.

5.1. Your Credit Report and Credit Score Factors. The credit report and information about credit score factors that you obtain through Credit Monitor+ only reflect information included in your Experian consumer credit report, and do not reflect information for accounts that are not reported to or are deleted from your Experian consumer credit report. The credit report and information about credit score factors reflect a snapshot of your credit profile at a specific point in time (based on the information included in your Experian consumer credit report), and since your credit profile is continuously changing, the credit report and credit score factors shown by Credit Monitor+ may not reflect the most current data included in your Experian consumer credit report. Credit Monitor+ does not maintain your consumer credit report information and is not able to make any changes to it.

5.2. Credit Score Simulator. Credit Monitor+ includes certain credit score simulator features (the “Credit Score Simulator”) that estimate how certain future credit-related actions and behavior may affect your VantageScore® credit score that you obtain through Credit Monitor+. Credit scores and credit score changes simulated by this feature are only predicted estimates, and as such, you should not rely on information made available through the Credit Score Simulator to take, or not take, any action. Neither we nor our affiliates or service providers can guarantee that your actual credit score will change by the same amount, in the same way, or at all as compared to the credit score changes simulated by the Credit Score Simulator. For example, your actual actions and behaviors may result in a greater impact to your credit score than what is simulated by the Credit Score Simulator.

5.3. Debt Analysis. Credit Monitor+ includes certain debt analysis features that automatically capture and synchronize the debt record listed in your Experian consumer credit report. These features are designed to display your total debt balance, monthly debt payments, and debt-to-income ratio. Your debt-to-income ratio is designed to reflect the total amount of debt payments that you owe every month divided by the gross income that you earn each month, and is usually expressed as a percentage. These debt analysis features only reflect information included in your Experian consumer credit report, and do not reflect information for accounts that are not reported to or are deleted from your Experian consumer credit report. These debt analysis features also rely on your self-reported income. These debt analysis features may not reflect the most current data included in your Experian consumer credit report and may not provide an accurate debt analysis.

5.4. Credit and Identity Monitoring: Credit Alerts and Identity Alerts.

5.4.1. Credit Monitor+ includes certain enhanced credit and identity monitoring features available only through online and mobile banking that monitor for and offer alerts about activity affecting your Experian consumer credit report (“Credit Alerts”) and of identity theft and/or potentially fraudulent, or otherwise improper, use of your information (“Identity Alerts”). To read your Credit Alerts, you must sign into your account through online or mobile banking, go to Credit Monitor and select “Credit Alerts”. To read your Identity Alerts, you must sign into your account through online or mobile banking and navigate to Credit Monitor > ID Protect > Identity Alerts. The monitoring and alert features of our Credit Alerts and Identity Alerts (including any Internet surveillance scans and reports prepared in connection with these features) may not detect all instances of credit activity affecting your Experian consumer credit report, of identity theft, or of potentially fraudulent, or otherwise improper, use of your information. Certain information contained in our Credit Alerts and Identity Alerts may be obtained from criminal activities monitored on the Internet. Because of the dynamic nature of this data, and that it may have been obtained from criminals, among other considerations, we cannot guarantee the accuracy or completeness of the Credit Alerts and Identity Alerts provided. Please understand that the third-party databases monitored to enable our Credit Alerts and Identity Alerts are subject to change at any time.

5.4.2. You acknowledge and agree that to receive Identity Alerts you must enter your personal information in Credit Monitor+ by logging into online or mobile banking and navigating to Credit Monitor > ID Protect > Identity Alerts. You must keep this information accurate and current, including without limitation, your name, address, date of birth, e-mail address, telephone number, social security number, driver's license number, and financial account numbers (e.g., credit or debit card numbers). You acknowledge and agree that the Associated Bank Parties may use your personal information to the extent necessary to perform a scan of applicable websites and database to provide you with the Credit Alerts and Identity Alerts service.

5.5 Identity Restoration Services and Identity Theft Insurance.

5.5.1 Credit Monitor+ assists you with the identity restoration process by providing step-by-step instructions for you to follow to repair and restore your identity as well as assistance with investigating certain losses for unauthorized electronic funds transfers. For assistance with identity restoration, please call 1-833-568-6249. Identity restoration assistance is provided by Array US, Inc and its service providers.

5.5.2 Credit Monitor+ provides identity theft insurance of up to $1 million for reimbursement of certain expenses related to identity theft losses and restoration. Identity theft insurance can reimburse you for certain losses for unauthorized electronic funds transfers and expenses related to identity theft, including replacement of documents, traveling expenses, loss of income, child/elderly care expenses (incurred as a result of identity restoration), and legal costs. There are limitations and exclusions on identity theft insurance coverage. Additionally, to receive coverage, you must notify the insurer of a Stolen Identity Event or an Unauthorized Fund Transfer, as defined by the Master Policy, as soon as you are aware of a Stolen Identity Event or an Unauthorized Fund Transfer, but in no event later than 90 days after you discover the Stolen Identity Event or an Unauthorized Fund Transfer. If you have any questions regarding identity theft insurance coverage or wish to file a claim under the Master Policy, please contact the insurer at 1-866-434-3572. To request a complete copy of the Master Policy, please call 1-866-434-3572 or email c-claim@aig.com. A Summary Description of Benefits and the Identity Theft and Fraud Claim Form can be viewed by logging into your digital banking account and navigating to Credit Monitor > ID Protect > ID Protection Services. Identity theft restoration insurance is issued by the insurance company subsidiaries or affiliates of American International Group, Inc.

6. Use of Information Provided Through the Credit Monitor Service. All information that you obtain through the Credit Monitor Service (including but not limited to (1) the VantageScore® credit score included in the Credit Monitor Service and (2) if applicable to you, information that you obtain through the credit report and score factors, the Credit Score Simulator, debt analysis features, and all other features included in Credit Monitor+) are for your educational, informational, non-commercial, and personal purposes only. Information made available through the Credit Monitor Service is generally updated regularly, but is subject to adjustment and correction, and you should not rely on such information to take, or not take, any action. The Associated Bank Parties are not responsible for inaccurate results, including but not limited to inaccuracies resulting from incorrect, incomplete, or outdated information included in your credit and identity information.

7. Associated Bank Account Information. Any Associated Bank account information provided to you through the Credit Monitor Service is not the official record of your Associated Bank account or its activity. Your Associated Bank account statements, furnished to you by Associated Bank in paper format, or electronically if you are enrolled in paperless statements service, are the official record of your Associated Bank account and your Associated Bank account activity.

8. Modifications; New Features. We may, from time to time, in our sole discretion, introduce new features to either Credit Monitor Service or modify or remove existing features of either Credit Monitor Service. We will notify you of any new, modified, or removed features as required by applicable law. By accessing or using any new or modified features, you agree to be bound by and comply with the terms and conditions governing those features.

9. No Warranty. IN ADDITION TO AND WITHOUT LIMITING SECTION 35 OF THE GENERAL TERMS AND CONDITIONS (EXCLUSION OF LIABILITY AND WARRANTIES), ANY DATA AND OTHER INFORMATION THAT YOU OBTAIN THROUGH THE CREDIT MONITOR SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND THE ASSOCIATED BANK PARTIES MAKE NO OTHER REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTIES WILL BE CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE, INCLUDING, THAT SUCH DATA AND OTHER INFORMATION WILL BE COMPLETE, ACCURATE, AND VALID, AND THE ASSOCIATED BANK PARTIES EXPRESSLY DISCLAIM ALL SUCH REPRESENTATIONS AND WARRANTIES. THE ASSOCIATED BANK PARTIES EXERCISE NO CONTROL OVER AND EXPRESSLY DISCLAIM ANY LIABILITY ARISING OUT OF OR BASED UPON YOUR USE OF ANY SUCH DATA AND OTHER INFORMATION.

10. Termination and Suspension.

10.1. You may terminate your enrollment in the Credit Monitor Service at any time by contacting the Associated Bank We Care service center at 800-236-8866, by email at wecare@associatedbank.com, or by mail at Associated Bank, WE CARE Department, 1305 Main Street, MS 7722, Stevens Point, WI 54481-0327. Your unenrollment will be effective after we have a reasonable time to process your termination request. You must terminate your enrollment in the Credit Monitor Service to withdraw your consent to the service, stop the Associated Bank Parties from obtaining new credit information about you in connection with the Credit Monitor Service, and to no longer receive communications about the Credit Monitor Service.

10.2. We may restrict, suspend, or terminate your enrollment in or access to the Credit Monitor Service in whole or in part, at any time, and for any reason or no reason without prior notice.

11. Free Credit Reports. The Credit Monitor Service provides you with your VantageScore® credit score and, based on the Credit Monitor Service available to you, certain related information and other credit report information. By law, however, you also have the right to receive free credit reports from AnnualCreditReport.com or by calling 877-322-8228, which is the authorized source under federal law for free credit reports. By law, during any twelve-month period, you may obtain one free credit report from each of the three national consumer reporting agencies (Experian, Equifax, and TransUnion). For more information, you can go to www.consumerfinance.gov/learnmore.

12. Credit Repair Disclaimer. Associated Bank is not a “credit repair organization” as defined under the Credit Repair Organizations Act and any other applicable laws, and Associated Bank does not provide “credit repair” services, or advice regarding or assistance with “rebuilding” or “improving” your credit history, rating, or record, or other similar services.

13. Trademarks. All marks and logos related to the Credit Monitor Service are the marks or logos of their respective owners, Associated Bank, or our licensors.

SECTION VIII. ENTITLEMENTS: SECONDARY USER ADMINISTRATION SERVICES TERMS AND CONDITIONS

The terms and conditions in this Section VIII apply only to the Entitlements Terms and Conditions described in more detail in this section. Capitalized terms that are not otherwise defined in this Section VIII, shall have the meanings attributed to them elsewhere in this Agreement. These terms and conditions are in addition to, and not in place of, the other terms and conditions of this Agreement. In the event of a conflict between the terms and conditions in this Section VIII and the terms and conditions found elsewhere in this Agreement or the Deposit Account Agreement, the terms and conditions in this Section VIII shall govern with respect to Entitlements.

1. Definitions

1.1 “Eligible Account” means any business account held by a business and that is validly existing and in good standing under the laws of the jurisdiction of its organization.

1.2 “Entitlements” means the collective services provided by us and/or third parties, enabling a Primary User on an Eligible Account to manage Secondary User access and perform certain security functions. These services include, but are not limited to assigning a user identifier, controlling, and unlocking passwords and granting Secondary User permissions.

1.3 “Primary User” means both any authorized signer and any account owner of an Eligible Account.

1.4 “Secondary User” means any user that Primary User has granted permission to access an Eligible Account and perform certain functions.

2. Eligibility and Enrollment

2.1 Eligibility. Primary User warrants all enrolled business accounts are Eligible Accounts and Primary User has the requisite power and authority to perform all obligations related to the use of Entitlements.

2.2 Enrollment. While Primary User has control over the Eligible Accounts within Digital Banking, Primary User will create Secondary Users in Digital Banking and grant the desired Entitlements. These Entitlements can be Full Entitlements or Custom Entitlements. Secondary User will need to then enroll in Digital Banking to gain access to these Entitlements. Primary User will serve as the main point of contact when working with the branch or Customer Care.

3. Entitlements

By use of the Entitlements service, Primary User agrees to be solely responsible for the following: a) understanding the differences between Full Entitlements and Custom Entitlements; b) setting full and/or custom Entitlements each based on extent of access for each Secondary User as Primary User determines in their sole discretion is appropriate; and c) periodically reviewing and adjusting Secondary User Entitlements access to ensure that each Secondary User’s Entitlements access to Eligible Accounts and features through Digital Banking are appropriate. Primary User agrees to promptly delete any Secondary User that Primary User determines should no longer have Entitlements access.

3.1 Full Entitlements. Full Entitlements means Secondary User is granted access to all Eligible Account information (which may include the ability to download or otherwise export Eligible Account information) and engage in all enrolled money movement services without any restrictions or supervision.

3.2 Custom Entitlements. Custom Entitlements means Secondary User’s access is restricted to certain Eligible Accounts and limited to money movement services available to those Eligible Accounts as authorized by Primary User. For example, a Secondary User can be restricted to View Only and therefore would be restricted from money movement capabilities unless given permission by Primary User for one or more services that allows for transaction capability. Another example, a Secondary User can be restricted to engage only in one or more types of money movement services along with frequency and dollar restrictions.

4. Roles and Responsibilities

Primary User is responsible for ensuring that: a) Secondary User access credentials for Digital Banking self-administration functions are accurate and up to date; b) all Secondary Users have an accessible email address and mobile phone number set forth in their profile within Digital Banking in order for Primary User to instruct Digital Banking to send a link to the user requesting a password reset; c) Entitlements and profiles of Secondary Users that are inactive or otherwise no longer authorized to act on behalf of the company are removed; and d) the Entitlements of each Secondary User are regularly monitored and reviewed in order to ensure accuracy of said Entitlements, especially when there are upgrades, changes, etc. to the Digital Banking platform and/or when a new Secondary User is added, deleted, or otherwise modified by Primary User.

5. Liability

Primary User is liable for all actions of Secondary User and agrees to defend, indemnify, and hold Associated Bank harmless from and against any claims, suits, actions, liabilities, or losses sustained resulting from account use or access by Secondary User. All actions of Secondary User are deemed authorized and are not subject to reversal or refund regardless of whether timely notice is provided. We may, in our sole discretion, attempt to obtain recovery for a disputed transaction conducted by a Secondary User but such assistance shall be provided with the understanding that Associated Bank cannot provide any assurance of success in obtaining a recovery.

6. Monitoring

Primary User agrees to monitor all Eligible Accounts in Digital Banking. This includes promptly reviewing the transactions reported in Digital Banking on each Business Day and reviewing all actions taken by a Secondary User.

7. Alerts

Business Digital Banking offers Alerts which may be turned on or off depending on Primary User or Secondary User’s defined preferences. Primary User is responsible for alerts related to Entitlements; however, each individual user may edit their individual user preferences.

EXHIBIT A. SERVICE FEES

The following fees apply to optional additional services.

Overnight check payments: $15.95 each
Send paper bill payments via overnight courier (next business day delivery). Includes tracking information and delivery confirmation.

Same-day bill payments: $9.95 each
Send same-day electronic bill payments to national and regional billers.

Please refer to the Consumer Deposit Account Fee Schedule or the account specific product disclosure for fees applicable to your deposit accounts, including overdraft related fees. Associated Bank, N.A. is a Member FDIC.

CONTACT US

Digital Banking Service Terms and Conditions

Personal Appointments

Business Appointments