Common use of Eligibility and User Profile Clause in Contracts

Eligibility and User Profile. When you register to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from 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. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Zelle Transfer Service is intended for personal, not business, or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does not contain all terms which may apply to you; for additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify your acceptance of any and all changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situations.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer Service, you agree to the terms and conditions of this Zelle Agreement. You represent that you have the authority to authorize debits and credits to the registered enrolled bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You , and you agree that you will not authorize a third party to use the Zelle Service to request money from anyone for any such payments. Any use of the Zelle Service in any way related to or share your credentials associated with a third party to use criminal activity, violation of intellectual property rights, or the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power exploitation of attorneyany individual is prohibited. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does Content Standards: You agree that you will not contain all terms upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Zelle Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) 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 Service, or which may apply expose us, Zelle or our respective affiliates or customers to harm or liability of any nature. 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 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 Service. The Zelle Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle tag.” You will be limited to one Zelle tag per bank account, and each Zelle tag must have one U.S. mobile phone number or email address associated with it. Your Zelle tag must meet the Content Standards. You may not select a Zelle tag that misleads or deceives other Users of the Zelle Service as to your identity, or otherwise. Although neither we nor Zelle have any obligation to monitor User Zelle tags, both we and Xxxxx 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 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 additional 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 Service. We respect the intellectual property of others and require that users of the Zelle Service comply with relevant informationintellectual property laws, please review including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the eBanking Disclosure and Agreement and Deposit Account Terms and Conditionsuse of our products or services for users who use or publish Content on the Zelle Service that is subject to intellectual property rights claims. The Zelle Service allows you to send or receive money using your consumer deposit account. We reserve the right to amend suspend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at terminate your option. Your continued use of the Zelle Transfer Service will signify your acceptance of if we believe that you are using the Zelle Service for any and all changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situationsunlawful purpose.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer Service, you agree to the terms and conditions of this Agreement. You represent that you are at least eighteen (18) years of age and have the authority to authorize debits and credits to the registered enrolled Network FI account (“Account” or “bank account”). You agree that you will not use the Zelle Transfer Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- 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 Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorneyfor international ACH transactions, which are prohibited under this Agreement. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The We may modify the Service from time to time at our sole discretion. In the event of any changes, updates, or modifications, you are responsible for making sure you understand how to use the Service, as modified. Except as otherwise required by law, we may also change the terms of this Agreement does not contain all terms which may apply to you; for additional relevant informationat any time. If we do make changes, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend or cancel any of the provisions of we will update this Agreement, including changes to any feeswhich can be viewed online. As always, costs, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify Service. Changes to fees or terms applicable to your acceptance Accounts are governed by the agreement(s) otherwise governing your applicable Accounts. You agree that you are the legal owner of any the Accounts and all other financial information which may be accessed via the Service. You agree not to misrepresent your identity, or your Account information and you understand that you are required to keep your personal contact information current and up to date for this purpose. You agree to keep BCU informed of changes to this Agreementyour email address and other personal contact information on file. We You also reserve agree that you are an authorized user of the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situations.device on which the Service is being used. v08/2021

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered enrolled bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You , and you agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations request money from anyone for any such as legal guardianship or pursuant to a power of attorneypayments. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Services remain in effect until they are terminated by you or Bank. You may cancel the Services at any time by notifying us of your intent to cancel by calling customer service at 000-000-0000.If you close your primary checking account, or there is no longer any eligible funding account linked to your Service, any unprocessed payments will be canceled. Upon your or our cancelation of your Services for any reason, you will have no further right or access to use the Services, and we will not access your accounts thereafter for any reason related to Zelle. We reserve the right, subject to applicable law, to terminate your right to use the Service at any time and for any reason, including without limitation if we, in our sole judgment, believe you have engaged in conduct or activities that violate any of the Terms of this Agreement does not contain all terms which may apply to you; for additional relevant informationor the rights of Bank and/or our service provider, please review or if you provide us with false or misleading information or interfere with other users or the eBanking Disclosure and Agreement and Deposit Account Terms and Conditionsadministration of the Service. We reserve the right to amend or cancel any charge a fee for the use of the provisions Service and any additional services or features that we may introduce. You understand and agree that you are responsible for paying all fees associated with the use of this Agreement, including changes the Service. This Agreement is subject to change from time to time. We will notify you of any fees, costs, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition theretomaterial change. We will provide you with advance notice thirty (30) days in advance of any changes (or such lesser period as may be allowed to the terms of this Agreement when required to do so by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service after we provide you notice of changes will signify indicate your acceptance of any and all changes to this the revised Agreement. We also reserve the optionright to modify the terms and conditions herein, in at any time, at our sole judgmentdiscretion, subject to waive, reduce or reverse charges or fees in individual situationsany prior notice requirements as may be required by law.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered enrolled bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You , and you agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations request money from anyone for any such as legal guardianship or pursuant to a power of attorneypayments. The Zelle Transfer Service is intended for personal, not business, or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does not contain all However, we are under no obligation to make any such determination and assume no liability for the failure to do so. When you use or access or permit other person(s) or entity to whom you delegate to act on your behalf to use or access the Service, you agree to the terms which may apply to you; for additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend or cancel any of the provisions conditions of this Agreement, including changes . Any person or entity to whom you delegate to act on hour behalf to use or access the Service is subject to this Agreement and you agree that you will provide a copy of this Agreement to any feessuch person or entity. However, costsyou agree you are liable at all times for the use of the Service by any person or entity to whom you delegate to act on your behalf to use or access the Service and that you shall defend and indemnify us for any claims that arise as a result of their use or access of the Service. We may amend or change this Agreement (including any applicable fee and service charge) from time to time, or assessments, by disclosing the change electronically, and, at in our optionsole discretion, by sending you notification in addition thereto. We will provide written notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendmentselectronic mail, cancellationspostal mail, or changes by continuing or discontinuing posting the Zelle Transfer updated terms on the sites within the Service (the ‘Site(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to which these changes relateyou at any time, at please discontinue your option. Your continued use of the Zelle Transfer Service. Your use of the Service after we have made such change will signify be considered your acceptance of any and all changes agreement to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situationschange.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered enrolled bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You , and you agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations request money from anyone for any such as legal guardianship or pursuant to a power of attorneypayments. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does not contain all terms which may apply If we have reason to you; believe that you have used the Service for additional relevant informationany unlawful purpose, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend made excessive or cancel unexplainable transfers, violated any of the provisions parts of this Agreement, including changes or provided any incorrect information, we may take various actions to any protect Peoples National Bank, Zelle, Network Banks, another User, a third party, or you from reversals, chargebacks, claims, fees, costsfines, or assessments, by disclosing penalties and any other liability. The actions we may take include but are not limited to the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify your acceptance of any and all changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situations.following:

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Zelle® Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer Zelle® 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 registered enrolled bank account. You agree that you will not use the Zelle Transfer Zelle® Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- 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® Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Zelle Transfer Zelle® Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Zelle® Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Zelle® Service 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 Transfer Zelle® Service if we believe that you are using the Zelle Transfer Zelle® Service for business or commercial purposes, or for any unlawful purpose. The Agreement does You agree that you will not contain all terms which may apply upload or provide content or otherwise post, transmit, distribute, or disseminate through the Zelle® Service any material (“Content”) that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to youcivil liability; for additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend (c) breaches or cancel infringes any duty toward or rights of the provisions of this Agreementany person or entity, including changes to rights of publicity, privacy or intellectual property; (d) contains corrupted data or any feesother harmful, costsdisruptive, or assessmentsdestructive files; (e) advertises products or services competitive with Zelle® , as determined by disclosing the change electronically, and, at our option, by sending you notification Zelle® in addition thereto. We will provide notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify your acceptance of any and all changes to this Agreement. We also reserve the option, in our its sole judgment, to waive, reduce or reverse charges or fees in individual situations.discretion; or

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service use, use, access, or when you permit others to whom you have delegated any other person(s) to act on your behalf to use or access the Zelle Transfer Service, Service you agree to the terms and conditions of this AgreementAgreement . You In order to initiate Zelle®transactions, you represent that you are a U.S. resident (not including U.S. territories) and that you have the authority to authorize debits from and credits to the registered enrolled bank account. Debits are transactions that withdraw money from your Account. Credits are transactions that add money to your Account. In order to enroll in the Service so that you may request, send or receive money, you must have one or more eligible accounts to designate a Pay From Account and/or a Pay To Account, as applicable. You may change the designated accounts at any time subject to the terms of this Agreement. We have the right to determine eligibility and to restrict categories of recipients to whom payments may be made using the Service in our sole discretion. You agree that you will not use the Zelle Transfer Service for foreign transactions. You also agree that you will not use the Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- 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 Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf behalf, except in legally authorized situations such as legal guardianship or pursuant to a power of attorneyattorney on record with and accepted by the Bank. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or and/or terminate your use of the Zelle Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does Content Standards: You agree that you will not contain all terms upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service (including but not limited to any content in the memo field associated with a transfer) any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (f) in Zelle®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may apply expose us, Zelle® or our respective affiliates or customers to you; harm or liability of any nature. Any determination by us that your conduct has violated these content standards will be final and, to the extent permitted by applicable laws, rules and regulations, you waive any right to challenge our determination. 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 additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditionsany reason without notice. We reserve the right and Zelle® may also monitor such content to amend detect and prevent fraudulent activity or cancel any violations of the provisions terms and conditions of this Agreement. You understand that by using the 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 changes any loss or damage to any fees, costs, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition theretoof your content. We will provide notice thirty (30) days in advance of any changes (and Zelle® make no representation or such lesser period as may be allowed by applicable law) unless an immediate change is necessary warranty that Content uploaded to maintain the security a User profile accurately identifies a particular User of the systemService. The Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle® Tag.” You will be limited to one Zelle® Tag per bank account, and each Zelle® Tag must have one U.S. mobile phone number or email address associated with it. Your Zelle® Tag must meet the Content Standards. You may choose not select a Zelle® Tag that misleads or deceives other Users of the Service as to accept or decline amendments, cancellationsyour identity, or changes 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 continuing using the Service, you may be exposed to a Zelle® Tag that is offensive, indecent, or discontinuing 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 Transfer Service. We respect the intellectual property of others and require that Users of the Service to which these changes relatecomply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at your option. Your continued our sole discretion, limit or terminate the use of our products or services for Users who use or publish Content on the Zelle Transfer Service will signify your acceptance of any and all changes that is subject to this Agreementintellectual property rights claims. We also reserve the option, right to terminate and/or restrict the use of Zelle® Tags at any time. These rights are in our sole judgment, addition to waive, reduce any other rights we have to terminate or reverse charges or fees in individual situationsrestriction your access to the Service.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You law and you agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations request money from anyone for any such as legal guardianship or pursuant to a power of attorneypayments. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The You agree that you are enrolling for the Service. You agree that you will only use the Transfer Service for Transfer Transactions entered into for lawful purposes. You will not use the Transfer Service to pay taxes or other amounts owed to government entities. You will not use the Transfer Service to pay court- ordered amounts such as alimony or child support. To use the Service through Surrey Bank & Trust, you must be a registered Mobile Banking user with a valid User ID and Password, as well as an eligible Funding and Deposit Account. You agree to maintain an eligible Funding Account and/or a Deposit Account. For the Transfer Service offered directly through Surrey Bank & Trust, eligible Funding and Deposit Accounts are limited to personal checking accounts. Account eligibility rules may differ if you are enrolling in Zelle through a separate financial institution or on Zelle's separate transfer service website or mobile app. In order to receive fund transfers into your Deposit Account, that account must be in good standing. In order to transfer funds out of your Funding Account, you must have an available balance in that account. Your use of the Service constitutes your acceptance of this Agreement. This Agreement does not contain all terms which may apply be amended at any time by us without specific notice to you; . In addition to this Agreement, you agree to be bound by and to comply with the applicable terms and conditions governing your account(s). Please consult your Account Agreement for additional relevant information, please review . You also agree to be bound by and to comply with the eBanking Disclosure and Agreement and Deposit Account Mobile Banking Terms and Conditions. We reserve Surrey Bank & Trust reserves the right to amend or cancel any of the provisions of this Agreementchange, including changes to any feesmodify, costsadd, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance remove portions of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your optionServices without notice. Your continued use of the Zelle Transfer Service will signify indicate your acceptance of any and all such changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situationsService.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You law and you agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations request money from anyone for any such as legal guardianship or pursuant to a power of attorneypayments. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The You agree that you are enrolling for the Service. You agree that you will only use the Transfer Service for Transfer Transactions entered into for lawful purposes. You will not use the Transfer Service to pay taxes or other amounts owed to government entities. You will not use the Transfer Service to pay court-ordered amounts such as alimony or child support. To use the Service through Surrey Bank & Trust, you must be a registered Mobile Banking user with a valid User ID and Password, as well as an eligible Funding and Deposit Account. You agree to maintain an eligible Funding Account and/or a Deposit Account. For the Transfer Service offered directly through Surrey Bank & Trust, eligible Funding and Deposit Accounts are limited to personal checking accounts. Account eligibility rules may differ if you are enrolling in Zelle through a separate financial institution or on Zelle's separate transfer service website or mobile app. In order to receive fund transfers into your Deposit Account, that account must be in good standing. In order to transfer funds out of your Funding Account, you must have an available balance in that account. Your use of the Service constitutes your acceptance of this Agreement. This Agreement does not contain all terms which may apply be amended at any time by us without specific notice to you; . In addition to this Agreement, you agree to be bound by and to comply with the applicable terms and conditions governing your account(s). Please consult your Account Agreement for additional relevant information, please review . You also agree to be bound by and to comply with the eBanking Disclosure and Agreement and Deposit Account Mobile Banking Terms and Conditions. We reserve Surrey Bank & Trust reserves the right to amend or cancel any of the provisions of this Agreementchange, including changes to any feesmodify, costsadd, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance remove portions of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your optionServices without notice. Your continued use of the Zelle Transfer Service will signify indicate your acceptance of any and all such changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situationsService.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered enrolled bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from 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 Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does Content Standards: You agree that you will not contain all terms which may apply upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to youcivil liability; for additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend (c) breaches or cancel infringes any duty toward or rights of the provisions of this Agreementany person or entity, including changes to rights of publicity, privacy or intellectual property; (d) contains corrupted data or any feesother harmful, costsdisruptive, or assessmentsdestructive files; (e) advertises products or services competitive with Zelle®, as determined by disclosing the change electronically, and, at our option, by sending you notification Zelle® in addition thereto. We will provide notice thirty its sole discretion; or (30f) days in advance of any changes (Zelle®’s or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify your acceptance of any and all changes to this Agreement. We also reserve the option, in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle® or our respective affiliates or customers to waiveharm or liability of any nature. Although neither we nor Zelle® have any obligation to monitor any content, reduce 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 reverse charges violations of the terms and conditions. You understand that by using the Service, you may be exposed to content that is offensive, indecent, or fees 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 Service. The Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in individual situationslieu of your phone number or email address when sending or receiving money, which will be your “Zelle® tag.” You will be limited to one Zelle® tag per bank account, and each Zelle® tag must have one U.S. mobile phone number or email address associated with it. Your Zelle® tag must meet the Content Standards. You may not select a Zelle® tag that misleads or deceives other Users of the 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 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 Service. We respect the intellectual property of others and require that users of the 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 Service that is subject to intellectual property rights claims.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law. You law and you agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations request money from anyone for any such as legal guardianship or pursuant to a power of attorneypayments. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The You agree that you are enrolling for the Service. You agree that you will only use the Transfer Service for Transfer Transactions entered into for lawful purposes. You will not use the Transfer Service to pay taxes or other amounts owed to government entities. You will not use the Transfer Service to pay court-ordered amounts such as alimony or child support. To use the Service through Surrey Bank & Trust, you must be a registered Mobile Banking user with a valid User ID and Password, as well as an eligible Funding and Deposit Account. You agree to maintain an eligible Funding Account and/or a Deposit Account. For the Transfer Service offered directly through Surrey Bank & Trust, eligible Funding and Deposit Accounts are limited to personal checking accounts. Account eligibility rules may differ if you are enrolling in Zelle through a separate financial institution or on Zelle’s separate transfer service website or mobile app. In order to receive fund transfers into your Deposit Account, that account must be in good standing. In order to transfer funds out of your Funding Account, you must have an available balance in that account. Your use of the Service constitutes your acceptance of this Agreement. This Agreement does not contain all terms which may apply be amended at any time by us without specific notice to you; . In addition to this Agreement, you agree to be bound by and to comply with the applicable terms and conditions governing your account(s). Please consult your Account Agreement for additional relevant information, please review . You also agree to be bound by and to comply with the eBanking Disclosure and Agreement and Deposit Account Mobile Banking Terms and Conditions. We reserve Surrey Bank & Trust reserves the right to amend or cancel any of the provisions of this Agreementchange, including changes to any feesmodify, costsadd, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance remove portions of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your optionServices without notice. Your continued use of the Zelle Transfer Service will signify indicate your acceptance of any and all such changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situationsService.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer 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 registered enrolled bank account. You agree that you will not use the Zelle Transfer Service to request, send or receive money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- 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 Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Zelle Transfer Service is intended for personal, not business, business or commercial use. You agree that you will not use the Zelle Transfer Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your registration enrollment if we believe that you are registering enrolling to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposes, or for any unlawful purpose. The Agreement does Content Standards: You agree that you will not contain all terms upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (f) in Zelle®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may apply expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature. 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 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 Service. The Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle® tag.” You will be limited to one Zelle® tag per bank account, and each Zelle® tag must have one U.S. mobile phone number or email address associated with it. Your Zelle® tag must meet the Content Standards. You may not select a Zelle® tag that misleads or deceives other Users of the 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; for additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditionswithout any liability to you. We reserve 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 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 Service. We respect the intellectual property of others and require that users of the 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 Service that is subject to intellectual property rights claims. AFCU reserves the right to amend or cancel change this Agreement at any time as required by law, regulation or modification of the provisions of this Agreement, including changes to any fees, costs, or assessments, by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice thirty (30) days in advance of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify your acceptance of any and all changes to this Agreement. We also reserve the option, in our sole judgment, to waive, reduce or reverse charges or fees in individual situationsoperating rules.

Eligibility and User Profile. When you register enroll to use the Zelle Transfer Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Transfer Zelle® Service, you agree to the terms and conditions of this Agreementthe Zelle® Terms. You represent that you have the authority to authorize debits and credits to the registered enrolled bank accountAccount. The Zelle® Service is intended for personal use and should not be used for business or commercial purposes. Not every personal account is eligible for enrollment in the Zelle® Service; and business accounts are not eligible for the Zelle® Service. You agree that you will not use the Zelle Transfer Zelle® Service to request, 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® Service with your business account or to receive or send business or commercial payments. We further reserve the right to suspend or terminate your use of the Zelle® Service if we believe that you are using the Zelle® Service for business or commercial purposes or for any purposes not permissible under applicable law. We may, in our sole discretion, decline to enroll any account that we believe poses a risk to you or to us. If you violate any of the terms of the Zelle® Terms or the Agreement; if there has been fraud or unauthorized access to your Account or the Zelle® Service; if there is negative activity on your Account; or, if we encounter any problem with your use of the Zelle® Service, you agree that we may terminate your access at any time. You agree that you will not use the Zelle® Service to send money from to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court- 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® Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Zelle Transfer Service is intended for personal, not business, or commercial use. Content Standards: You agree that you will not use the Zelle Transfer Service to send upload or receive payments in connection with your business provide content or commercial enterprise. We reserve the right to decline your registration if we believe that you are registering to use the Zelle Transfer Service 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 Transfer Service if we believe that you are using the Zelle Transfer Service for business or commercial purposesotherwise post, transmit, distribute, or for disseminate through the Service any unlawful purpose. The Agreement does not contain all terms which may apply material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to youcivil liability; for additional relevant information, please review the eBanking Disclosure and Agreement and Deposit Account Terms and Conditions. We reserve the right to amend (c) breaches or cancel infringes any duty toward or rights of the provisions of this Agreementany person or entity, including changes to rights of publicity, privacy or intellectual property; (d) contains corrupted data or any feesother harmful, costsdisruptive, or assessmentsdestructive files; (e) advertises products or services competitive with Zelle®, as determined by disclosing the change electronically, and, at our option, by sending you notification Zelle® in addition thereto. We will provide notice thirty its sole discretion; or (30f) days in advance of any changes (Zelle®’s or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations, or changes by continuing or discontinuing the Zelle Transfer Service to which these changes relate, at your option. Your continued use of the Zelle Transfer Service will signify your acceptance of any and all changes to this Agreement. We also reserve the option, in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle® or our respective affiliates or customers to waiveharm or liability of any nature. Although neither we nor Zelle® have any obligation to monitor any content, reduce 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 reverse charges violations of the terms and conditions. You understand that by using the Service, you may be exposed to content that is offensive, indecent, or fees 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 Service. The Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in individual situationslieu of your phone number or email address when sending or receiving money, which will be your “Zelle® tag.” You will be limited to one Zelle® tag per bank account, and each Zelle® tag must have one U.S. mobile phone number or email address associated with it. Your Zelle® tag must meet the Content Standards. You may not select a Zelle® tag that misleads or deceives other Users of the 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 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 Service. We respect the intellectual property of others and require that users of the 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 Service that is subject to intellectual property rights claims.