Common use of Eligibility and User Profile Clause in Contracts

Eligibility and User Profile. You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service 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 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 pursuant to a valid power of attorney. When you use, access, or permit any other person(s) or entity to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. We may amend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Service. Your use of the Service after we have made such changes will be considered your agreement to the change. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Banking.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that (a) you are at least 18 eighteen (18) years of age, (b) you age and have the authority to authorize debits and credits to the enrolled Network FI account (“Account” or “bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories”)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service 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 Service to request money from anyone for any such payments. You agree that you will not authorize a third party use the Service for international ACH transactions, which are prohibited under this Agreement. The Service is intended for personal, not business or commercial use. You agree that you will not use the Service 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 Service with your business account or share to receive business or commercial payments. We further reserve the right to suspend or terminate your credentials with a third party use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose. 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 on your behalf except in legally authorized situations such as pursuant to a valid power of attorney. When you use, access, or permit any other person(s) or entity to whom you have delegated to act on your behalf to use or access the Service, you agree to as modified. Except as otherwise required by law, we may also change the terms and conditions of this Agreement. We may amend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time. If we do make changes, please discontinue your we will update this Agreement, which can be viewed online. As always, you may choose to accept or decline changes by continuing or discontinuing the use of the Service. Your use Changes to fees or terms applicable to your Accounts are governed by the agreement(s) otherwise governing your applicable Accounts. You agree that you are the legal owner of the Service after we have made such changes will be considered your agreement to the change. In addition, the Bank may revise or update the programs, Services, and/or related material, Accounts and other financial information which may render all such prior versions obsoletebe accessed via the Service. ConsequentlyYou agree not to misrepresent your identity, the Bank reserves the right or your Account information and you understand that you are required to terminate keep your personal contact information current and up to date for this Agreement as purpose. You agree to all such prior versions keep BCU informed of changes to your email address and other personal contact information on file. You also agree that you are an authorized user of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by device on which the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online BankingService is being used.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service 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 Service to request money from anyone for any such payments. The Service is intended for personal, not business or commercial use. You agree that you will not authorize a third party use the Service 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 Service with your business account or share to receive business or commercial payments. We further reserve the right to suspend or terminate your credentials with a third party use of the Service if we believe that you are using the 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 on your behalf except in legally authorized situations such as pursuant to a valid power of attorney. When you useat any time and for any reason, access, or permit any other person(s) or entity to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. We may amend or change this Agreement (including any applicable fees and service charges) from time to timewithout limitation if we, in our sole discretionjudgment, by sending believe you written notice by electronic mail, postal mailhave engaged in conduct or activities that violate any of the Terms of this Agreement or the rights of Bank and/or our service provider, or by posting if you provide us with false or misleading information or interfere with other users or the updated terms on administration of the sites within Service. We reserve the right to charge a fee for the use of the 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 "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Service. This Agreement is subject to change from time to time. We will notify you of any material change. We will provide you with advance notice of any changes to the terms of this Agreement when required to do so by applicable law. Your continued use of the Service after we have made such provide you notice of changes will be considered indicate your agreement to acceptance of the changerevised Agreement. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves We reserve the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under modify the terms and conditions we provided herein, at any time, at our sole discretion, subject to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Bankingprior notice requirements as may be required by law.

Eligibility and User Profile. When you enroll to use the Zelle® Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle® Service, you agree to the terms and conditions of this Agreement. You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service 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® 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 valid power of attorney. When The Zelle® Service is intended for personal, not business or commercial use. You agree that you use, access, will not use the Zelle® Service to send or permit any other person(s) receive payments in connection with your business or entity commercial enterprise. We reserve the right to whom decline your enrollment if we believe that you have delegated to act on your behalf are enrolling to use the Zelle® Service with your business account or access the Service, you agree to the terms and conditions of this Agreementreceive business or commercial payments. We may amend further reserve the right to suspend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue terminate your use of the ServiceZelle® Service if we believe that you are using the Zelle® Service for business or commercial purposes, or for any unlawful purpose. Your use of You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate through the Zelle® Service after we have made such changes will 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 your agreement a criminal offense or gives rise to the change. In additioncivil liability; (c) breaches or infringes any duty toward or rights of any person or entity, the Bank may revise including rights of publicity, privacy or update the programsintellectual property; (d) contains corrupted data or any other harmful, Servicesdisruptive, and/or related materialor destructive files; (e) advertises products or services competitive with Zelle® , which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected determined by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you Zelle® in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Banking.its sole discretion; or

Eligibility and User Profile. 3.1 You represent that (a) you are at least 18 years of age, (b) age and you have the authority to authorize debits and credits to the enrolled registered bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service to send money 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 or receive money from anyone for any such payments. You further agree that you will not authorize a third party use the Service in any way related to, or associated with, criminal activity, discriminatory speech or conduct, violation of intellectual property rights, or the exploitation of any individual. 3.2 The Service is intended for personal use only. You agree that you will not use the 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 Service with your business account or share to receive business or commercial payments. We further reserve the right to suspend or terminate your credentials with a third party to use of the Service on your behalf except in legally authorized situations such as pursuant to a valid power of attorney. When if we believe that you use, accessare using the Service for business or commercial purposes, or permit for any other person(sunlawful purpose. 3.3 In the event (i) you violate any terms of the TOS, (ii) there are unauthorized or entity fraudulent transactions related to whom you have delegated to act on your behalf to funding account, Deposit account or use of the Service, or access (iii) we incur problems with your use of the Service, you agree that we may suspend or terminate your access to the terms Service at any time. 3.4 You agree that you will not 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® 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 expose FSB, Zelle®, or our respective affiliates or other users to harm or liability of any nature. FSB and conditions Zelle® each have absolute discretion to remove content at any time and for any reason without notice. FSB and Zelle® may each monitor such content to detect and prevent fraudulent activity or violations of this Agreementthe TOS. You understand that by using the Service, you may be exposed to content posted or transmitted by other Users that is offensive, indecent, or objectionable. Neither FSB nor Zelle® is responsible, and assumes no liability, for any content, including any loss or damage to any of your content. Neither FSB nor Zelle® makes any representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Service. We may amend determine other eligibility criteria or change this Agreement (including any applicable fees and service charges) from time content standards in our sole discretion. We reserve the right to timesuspend or terminate your use of the Service if we believe, in our sole discretion, by sending that you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within are using the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at in any time, please discontinue your use of the Service. Your use of the Service after we have made such changes will be considered your agreement to the change. In addition, the Bank may revise manner that does not comport with our eligibility criteria or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Bankingcontent standards.

Eligibility and User Profile. When you enroll to use the Service you agree to the terms and conditions of this Zelle Network Standard Terms Agreement & Disclosure. You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service 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 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 valid power of attorney. When The Service is intended for personal, not business or commercial use. You agree that you use, accesswill not use the Service 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 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 Service if we believe that you are using the Service for business or commercial purposes, or permit for any unlawful purpose. Content Standards: You agree that you will not 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 person(sharmful, 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 expose us, Zelle® or our respective affiliates or customers to whom you harm or liability of any nature. Although neither we nor Zelle® have delegated any obligation to act on your behalf monitor any content, both we and Zelle® have absolute discretion to use 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 access violations of the terms and conditions. You understand that by using the Service, you agree may be exposed to the terms and conditions of this Agreementcontent that is offensive, indecent, or objectionable. We may amend or change this Agreement (and Zelle® are not responsible for, and assume no liability, for any content, including any applicable fees loss or damage to any of your content. We and service charges) from 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 time, 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 sending using the Service, you written notice by electronic mailmay be exposed to a Zelle® tag that is offensive, postal mailindecent, or by posting the updated terms on the sites within the Service (the "Sites(s)")objectionable. Please access We and review this Agreement regularlyZelle® are not responsible for, and assume no liability, for any User Zelle® tags, including any loss or damage caused thereby. If you find the Agreement unacceptable to you at any time, please discontinue your use 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. If you are using a debit card to enroll in the Service, then the debit card must be issued in conjunction with a US domestic deposit account (no US territories). By initiating a transaction using the Zelle network, you accept the terms of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change. We will provide you with advance notice of any changes to the terms of this Agreement when required to do so by applicable law. Your continued use of the Service after we have made such provide you notice of changes will be considered indicate your agreement to acceptance of the changerevised Agreement. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves We reserve the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under modify the terms and conditions we provided herein, at any time, at our sole discretion, subject to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Bankingprior notice requirements as may be required by law.

Eligibility and User Profile. You When you enroll to use, use, access, or permit any other person(s) to act on your behalf to use or access the Service you agree to the terms and conditions of this Agreement . In order to initiate Zelle®transactions, you represent that (a) you are at least 18 years of age, a U.S. resident (bnot including U.S. territories) and that you have the authority to authorize debits from and credits to the 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 if applicable, (c) you are to restrict categories of recipients to whom payments may be made using the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial usein our sole discretion. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business accountfor foreign transactions. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You also agree that you will not use the Service 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 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 valid power of attorneyattorney on record with and accepted by the Bank. When The Service is intended for personal, not business or commercial use. You agree that you use, accesswill not use the Service 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 Service with your business account or to receive business or commercial payments. We further reserve the right to suspend and/or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or permit for any unlawful purpose. 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 person(sharmful, 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 to whom you have delegated to act on your behalf to use from using or access enjoying any portion of the Service, or which may expose us, Zelle® or our respective affiliates or customers to 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 agree 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 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 of this Agreement. You understand that by using the Service, you may be exposed to content that is offensive, indecent, or objectionable. We may amend or change this Agreement (and Zelle® are not responsible for, and assume no liability, for any content, including any applicable fees loss or damage to any of your content. We and service charges) from 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 time, 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 sending using the Service, you written notice by electronic mailmay be exposed to a Zelle® Tag that is offensive, postal mailindecent, or by posting the updated terms on the sites within the Service (the "Sites(s)")objectionable. Please access We and review this Agreement regularlyZelle® are not responsible for, and assume no liability, for any User Zelle® Tags, including any loss or damage caused thereby. If you find the Agreement unacceptable to you at any time, please discontinue your use We and Zelle® make no representation or warranty that a User Zelle® Tag accurately identifies a particular User of the Service. Your use We respect the intellectual property of others and require that Users of the Service after we have made such changes will be considered your agreement comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our sole 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 the changeintellectual property rights claims. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves We also reserve the right to terminate this Agreement as to all such prior versions of and/or restrict the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by Zelle® Tags at any time. These rights are in addition to any other rights we have to terminate or restriction your access to the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online BankingService.

Eligibility and User Profile. 3.1 You represent that (a) you are at least 18 years of age, (b) age and you have the authority to authorize debits and credits to the enrolled registered bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service to send money 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 or receive money from anyone for any such payments. You further agree that you will not use the Service in any way related to, or associated with, criminal activity, discriminatory speech or conduct, violation of intellectual property rights, or the exploitation of any individual. 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 situations, such as legal guardianship or pursuant to a valid power of attorney. 3.2 The Service is intended for personal use only. When You agree that you use, accesswill not use the 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 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 Service if we believe that you are using the Service for business or commercial purposes, or permit for any other person(sunlawful purpose. 3.3 In the event (i) you violate any terms of the TOS, (ii) there are unauthorized or entity fraudulent transactions related to whom you have delegated to act on your behalf to funding account, Deposit account or use of the Service, or access (iii) we incur problems with your use of the Service, you agree that we may suspend or terminate your access to the terms Service at any time. 3.4 You agree that you will not 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® 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 expose FSB, Zelle®, our respective affiliates or other users to harm or liability of any nature. FSB and conditions Zelle® each have absolute discretion to remove content at any time and for any reason without notice. FSB and Zelle® may each monitor such content to detect and prevent fraudulent activity or violations of this Agreementthe TOS. You understand that by using the Service, you may be exposed to content posted or transmitted by other Users that is offensive, indecent, or objectionable. Neither FSB nor Zelle® is responsible, and assumes no liability, for any content, including any loss or damage to any of your content. Neither FSB nor Zelle® makes any representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Service. We may amend determine other eligibility criteria or change this Agreement (including any applicable fees and service charges) from time content standards in our sole discretion. We reserve the right to timesuspend or terminate your use of the Service if we believe, in our sole discretion, by sending that you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within are using the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at in any time, please discontinue your use of the Service. Your use of the Service after we have made such changes will be considered your agreement to the change. In addition, the Bank may revise manner that does not comport with our eligibility criteria or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Bankingcontent standards.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service 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 Service to request money from anyone for any such payments. The Service is intended for personal, not business or commercial use. You agree that you will not authorize a third party use the Service 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 Service with your business account or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as pursuant to a valid power of attorney. When you use, access, receive business or permit any other person(s) or entity to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreementcommercial payments. We may amend further reserve the right to suspend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue terminate your use of the Service. Your use of Service if we believe that you are using the Service after for business or commercial purposes, or for any unlawful purpose. If we have reason to believe that you have used the Service for any unlawful purpose, made such changes will be considered your agreement excessive or unexplainable transfers, violated any parts of this Agreement, or provided any incorrect information, we may take various actions to protect Peoples National Bank, Zelle, Network Banks, another User, a third party, or you from reversals, chargebacks, claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the change. In additionfollowing: a. We may close, suspend or limit your access to the Bank Service; b. We may revise contact Users or Network Xxxxx who have sent you money, and warn other Users, Zelle, Network Banks, law enforcement or third parties of your actions; c. We may update inaccurate information you provided us; d. We may refuse you access to the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you Service in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Bankingfuture; and/or e. We may take legal action against you.

Eligibility and User Profile. a. You represent that (a) you are at least 18 years of ageeligible to own an Account and to use the Service, (b) you and have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. Account. b. You agree that you will not use the Service 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 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 pursuant to a valid power of attorney. When you usebehalf. c. The Service is intended for personal, accessnot business, or permit any other person(s) commercial use. You agree that you will not use the Service to send or entity receive payments in connection with your business or commercial enterprise. We reserve the right to whom decline your enrollment if we believe that you have delegated to act on your behalf are enrolling to use the Service with your business account or access the Service, you agree to the terms and conditions of this Agreementreceive business or commercial payments. We may amend further reserve the right to suspend or change this Agreement (including any applicable fees and service charges) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within the Service (the "Sites(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue terminate your use of the Service. Your Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose. d. You agree that you will not use the Service in a manner that exposes American Express or Zelle® to liability, reputational harm or brand damage, including but not limited to using the Service to request, send or receive money related to any of the following Illegal or brand damaging activities: • Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods); • Firearms, ammunition and other weapons; • Sexual activities or materials; • Pornography; • Materials that promote intolerance, violence or hate; • Ponzi schemes; • Traveler's checks, money orders, equities, annuities, or currencies; • Digital currencies such as bitcoins; • Terrorist funding; • Fraud Transaction • Money laundering; • Use of the Zelle® Payments Service in a manner for which it was not intended, or in a way that another Customer finds to be harassing or inappropriate (e.g., use of memo fields to communicate with another Customer with no intention of processing a Payment). e. You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service after we have made such changes will 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 your agreement a criminal offense or gives rise to the change. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Banking.civil liability;

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that (a) you are at least 18 years of age, (b) you have the authority to authorize debits and credits to the enrolled bank account, and if applicable, (c) you are the authorized holder of the enrolled debit card. Under this Agreement this Service is intended for business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your personal, family, or household purposes under any circumstances, if it is linked to a business account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service for any unlawful purposes. You agree that you will not use the Service to send money 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. The Service is intended for personal, not business, or commercial use. You agree that you will not authorize a third party use the Service 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 Service with your business account or share to receive business or commercial payments. We further reserve the right to suspend or terminate your credentials with a third party to use of the Service on your behalf except in legally authorized situations if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose. However, we are under no obligation to make any such as pursuant determination and assume no liability for the failure to a valid power of attorneydo so. When you use, access, use or access or permit any other person(s) or entity to whom you have delegated delegate to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. 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 such person or entity. However, you 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 fees fee and service chargescharge) from time to time, in our sole discretion, by sending you written notice by electronic mail, postal mail, or by posting the updated terms on the sites within the Service (the "Sites(s‘Site(s)"). Please access and review this Agreement regularly. If you find the Agreement unacceptable to you at any time, please discontinue your use of the Service. Your use of the Service after we have made such changes change will be considered your agreement to the change. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. Your use of Online Banking services may also be affected by the agreements between us for your linked Southern First accounts. When you link an account to Online Banking, the agreements that you already have with us do not change. When you use Online Banking services to access a credit account, you do so under the terms and conditions we provided to you in the agreement and disclosure for the credit account. You should review those agreements for any applicable fees, limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Online Banking.