Common use of Notice of Funds Transfer Clause in Contracts

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send statements by mail. If you use one of our information channels, you may receive notice through that service. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two business days after we credit your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours. ACH Debits and Credits From time to time, originators that you authorize may send automated clearing house (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone your account number to help prevent unauthorized transactions on your account. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisor.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send Statements are sent by mail and are also available in TEGFCU Digital Banking under eStatements provided you have consented to receive statements by mail. If you use one of our information channels, you may receive notice through that serviceelectronically. We are not obligated to send you a separate notice of each incoming funds transfer. While we We generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two business days after we credit your account. We are not obligated to pay you interest for the period before you receive noticethe transfer is received. If you are expecting a funds transfer and want to find out if it has been credited to your accountaccount at Credit Union, call log into TEGFCU Digital Banking or contact us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours000- 000-0000. ACH Debits and Credits From time to timeUpon your request, originators that you authorize may send automated clearing house Automated Clearing House (ACH) credits or and debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. ====== THIRD PARTY TRANSACTIONS ====== We will not disclose any information to third parties in regard to your accounts, your balances, or any transactions made with the exception of: a) when it is necessary to complete the transaction; b) when it is in compliance with applicable law, government agency or court orders; c) when the third party needs to verify the existence or condition of your account when it is lawful to do so; d) when you give us written permission or; e) to business partners when deemed necessary to provide competitive products and services to our members. ====== ACCOUNT AGREEMENTS ====== In addition to this Agreement, you and TEG agree to be bound by and comply with the requirements of the agreements applicable to each of your accounts. Your use of the Digital Banking service, Mobile Deposit or Bill Pay service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review the Account Fee Schedules and the Membership Agreement and Disclosures provided to you at account opening and available on our website xxx.xxxxxx.xxx for specific information. ====== CHANGE OF TERMS ====== The rules and regulations governing the operating procedures may be careful about giving someone revised or amended by the Credit Union at any time. Updated agreement and disclosures will be provided to the membership via our website xxx.xxxxxx.xxx. Subject to any notice required by law, we reserve the right to change any of the terms of the electronic funds transfer services described in this disclosure and/or terminate your right to use TEGFCU Digital Banking at any time, for any reason. Prior notice may not be given if an immediate change is necessary to (a) protect the security of your account number to help (b) prevent unauthorized transactions on your account. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and loss to the Internal Revenue Service Credit Union, (IRSc) interest payments protect the electronic funds transfer systems. Use of the service is subject to existing regulations and any future changes in those regulations. ====== APPLICABLE LAW ====== This agreement shall be construed and interpreted in accordance with the laws of the state of New York, except to the extent that total $10 federal law applies. It is also governed by the bylaws of the Credit Union, and local clearing house rules as amended from time to time. =====TERMINATION OF ELECTRONIC FUNDS TRANSFER SERVICES (EFT) ===== You may terminate this Agreement or more during any EFT service under this agreement at any time by notifying the year on Credit Union in writing and ceasing to use your deposit account with ususer credentials. The Credit Union may also terminate this Agreement at any time without prior notice. If we terminate this Agreement we will notify you orally or in writing within a reasonable period of time. We may also be required terminate your ability to report access some or all Digital Banking services if we have due cause. Whether you or the Credit Union terminates this information Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination. ====== ENFORCEMENT ====== Access to the appropriate state revenue authorityTEGFCU Digital Banking system is subject to Credit Union approval, and the service is subject to withdrawal, suspension, or termination by the Credit Union at any time, without prior notice to you. When By your use of the TEGFCU Digital Banking system you open an are acknowledging your agreement of the terms and conditions set forth in this disclosure and agree to indemnify and hold the Credit Union harmless from any and all loss, cost, expense or damage stemming from your use or misuse of the TEGFCU Digital Banking system, and any harmful computer code introduced by you into your system or any Credit Union system. You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions. If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any payout until the dispute is resolved, as permitted by law. Any expenses or attorney fees we incur responding to legal process may be Refer to TEGFCU Membership Agreement and Disclosure on our website xxx.xxxxxx.xxx in regards to Manadatory Arbitration, Class Action Waiver and Waiver of Jury Trial. ====== ELECTRONIC DISCLOSURE CONSENT ====== You agree that if you provide electronic consent, we will provide in an electronic format disclosures, notices, communications, terms and conditions and amendments thereof related to Digital Banking, Mobile Deposit and Bill Pay Services. Disclosures that we may provide in an electronic format include, but are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accountsnot limited to, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one ownerfollowing: monthly account statements, we report taxpayer information for the person listed first membership and account disclosures, changes in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accountsaccount terms, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name notice of fee changes, and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisorprivacy notices.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send statements by mail. If you use one of our information channels, you may receive notice through that service. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two business days after we credit your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours. ACH Debits and Credits From time to time, originators that you authorize may send automated clearing house (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone your account number to help prevent unauthorized transactions on your account. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. When you apply for an account, you certify that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your certified name and TIN. 53 We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisor.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send statements Statements are sent by mail. If you use one of our information channels, you may receive notice through that servicemail and are also available in TEG FCU Online Banking under eStatements. We are not obligated to send you a separate notice of each incoming funds transfer. While we We generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two business days after we credit your account. We are not obligated to pay you interest for the period before you receive noticethe transfer is received. If you are expecting a funds transfer and want to find out if it has been credited to your accountaccount at Credit Union, call log into Online Banking or contact us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours000-000-0000. ACH Debits and Credits From time to timeUpon your request, originators that you authorize may send automated clearing house Automated Clearing House (ACH) credits or and debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone ====== THIRD PARTY TRANSACTIONS ====== We will not disclose any information to third parties in regard to your accounts, your balances, or any transactions made with the exception of: a) when it is necessary to complete the transaction; b) when it is in compliance with applicable law, government agency or court orders; c) when the third party needs to verify the existence or condition of your account number when it is lawful to help prevent unauthorized transactions on your accountdo so; d) when you give us written permission or; e) to business partners when deemed necessary to provide competitive products and services to our members. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction====== ACCOUNT AGREEMENTS ====== In addition to this Agreement, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and TEG agree to be bound by and comply with the Internal Revenue Service (IRS) interest payments that total $10 requirements of the agreements applicable to each of your online accounts. Your use of the Online Banking service or more during the year on Bill Pay service is your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. acknowledgment that you have provided received these agreements and intend to be bound by them. You should review other disclosures including the correct TIN charges that may be imposed for electronic funds transfers or the account holder right to make transfers listed in the fee schedules accompanying those disclosures. ====== CHANGE OF TERMS ====== The rules and regulations governing the correct backup withholding statusoperating procedures may be revised or amended by the Credit Union at any time and every effort will be made to notify the membership before such change. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one ownerSubject to any notice required by law, we report taxpayer information reserve the right to change any of the terms of the electronic funds transfer services described in this disclosure and/or terminate your right to use TEG FCU Online Banking at any time, for any reason. Prior notice may not be given if an immediate change is necessary to (a) protect the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to security of your account and pay it (b) prevent loss to the IRSCredit Union, (c) protect the electronic funds transfer systems. In some casesUse of the service is subject to existing regulations and any future changes in those regulations. ====== APPLICABLE LAW ====== This agreement shall be construed and interpreted in accordance with the laws of the state of New York, a state except to the extent that federal law applies. It is also governed by the bylaws of the Credit Union, and local tax authority may also require that we pay state and local backup withholding on interest paid clearing house rules as amended from time to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisortime.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If mail or through Online Banking and/or Business Link if you use one of our information channelsselected the e-statement option within Online Banking or Business Link, you may receive notice through that servicerespectively, for your deposit account documents. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two 2 business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, call us you can access your account through (a) Online Banking, (b) Business Link, or (c) telephone banking or by calling Customer Care at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. What additional rules, if any, apply to ACH Debits and Credits Credits? From time to time, originators that you authorize may send automated clearing house (ACH) ACH credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating any and all ACH Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone hereby authorize the Originating Depository Financial Institution to initiate, pursuant to ACH Operating Rules, ACH debit entries to your account number for presentment or re-presentment of items written or authorized by you. Under the ACH Rules, we can return any non-consumer ACH debit entry as unauthorized until midnight of the business day following the business day we post the entry to help prevent unauthorized transactions on your account. You must notify In order for us immediately of unauthorized activity. For information about stopping payment of an ACH transactionto meet this deadline, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we you are required to report annually notify us to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN)return any non-consumer ACH debit entry as unauthorized by 10:00 A.M. EST. If you do not give timely notify us a certi- fied name and TIN, if of the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax returnunauthorized non-consumer ACH debit entry, we are required will not be able to backup withhold at return it without the current backup withholding rate on interest paid to your account cooperation and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end agreement of the third calendar year following originating bank and the year in which you last certified your status. If you fail to renew your status by the last day originator of the fourth calendar year, your interest payments are subject debit entry. Any other effort to backup withholdingrecover the funds must occur solely between you and the originator of the entry. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisor.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If you use one of our information channels, you may receive notice mail or through that serviceonline banking services. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two (2) business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, you can access your account through online banking or mobile banking services, or telephone banking or you can call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. What additional rules, if any, apply to ACH Debits and Credits Credits? From time to time, originators that you authorize may send automated clearing house (ACH) ACH credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating any and all ACH Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone hereby authorize the Originating Depository Financial Institution to initiate, pursuant to ACH Operating Rules, ACH debit entries to your account number for presentment or re-presentment of items written or authorized by you. Under the ACH Rules, we can return any non-consumer ACH debit entry as unauthorized until midnight of the business day following the business day we post the entry to help prevent unauthorized transactions on your account. You must In order for us to meet this deadline, you are required to notify us immediately to return any non-consumer ACH debit entry as unauthorized by 10:00 A.M. EST. If you do not timely notify us of the unauthorized activitynon-consumer ACH debit entry, we will not be able to return it without the cooperation and agreement of the originating bank and the originator of the debit entry. For information about stopping payment Any other effort to recover the funds must occur solely between you and the originator of the entry. INTEREST/TAX REPORTING On an ACH transactionannual basis, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and to the Internal Revenue Service (IRS) interest payments that total totaled $10 or more during the year on your deposit account with usover the course of the year. We may also The report will be required to report this information mailed to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first address in our records. Resident aliens who do not qualify records for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisor.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If mail or through Online Banking and/or Business Link if you use one of our information channelsselected the e-statement option within Online Banking or Business Link, you may receive notice through that servicerespectively, for your deposit account documents. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two 2 business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, call us you can access your account through (a) Online Banking, (b) Business Link, or (c) telephone banking or by calling Customer Care at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. What additional rules, if any, apply to ACH Debits and Credits Credits? From time to time, originators that you authorize may send automated clearing house (ACH) ACH credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating any and all ACH Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone hereby authorize the Originating Depository Financial Institution to initiate, pursuant to ACH Operating Rules, ACH debit entries to your account number for presentment or re-presentment of items written or authorized by you. Under the ACH Rules, we can return any non-consumer ACH debit entry as unauthorized until midnight of the business day following the business day we post the entry to help prevent unauthorized transactions on your account. You must notify In order for us immediately of unauthorized activity. For information about stopping payment of an ACH transactionto meet this deadline, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we you are required to report annually notify us to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN)return any non-consumer ACH debit entry as unauthorized by 10:00 A.M. EST. If you do not give timely notify us a certi- fied name and TIN, if of the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax returnunauthorized non-consumer ACH debit entry, we are required will not be able to backup withhold at return it without the current backup withholding rate on interest paid to your account cooperation and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end agreement of the third calendar year following originating bank and the year in which you last certified your status. If you fail to renew your status by the last day originator of the fourth calendar year, your interest payments are subject debit entry. Any other effort to backup withholding. Some limited exemptions from this renewal process exist. If recover the funds must occur solely between you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisorthe originator of the entry.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If mail or through Online and Mobile Banking if you use one of our information channels, you may receive notice through that serviceselected the e-statement option within Online and Mobile Banking for your deposit account documents. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two (2) business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, you can access your account through Online and Mobile Banking, or Telephone Banking, or you can call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. What additional rules, if any, apply to ACH Debits and Credits Credits? From time to time, originators that you authorize may send automated clearing house (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone your account number to help prevent unauthorized transactions on your account. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction, see the subsection entitled "Right to Stop Payment Orders and Postdating Orders Procedure." Can I make a transfer using Phone Banking? A phone transfer of funds from your account to another account of yours with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. What is an Instant Payment? As a bank, we look for ways to improve a customer’s experience by providing transparency and confidence in payments. One way we try to support our customers is providing products and services that allow you to move money more quickly than using checks and more securely than using cash. In the future, as a customer, you may be able to receive an instant payment. Instant payments are a type of funds transfer that are typically completed within seconds of transmission of the instant payment by the sender, unless the instant payment fails or is delayed due to a review by either the receiving, or the sending, participant, such as for fraud, regulatory, or compliance purposes. Transaction limits imposed by one of the instant payment networks or sending participant may also prevent instant payments from being sent from or to your account. There is no guarantee that we will make instant payments available to you, and we reserve the right not to provide access to instant payments in the Other Terms and Services future, regardless of this section. Tax Information In most instances the event we are required make instant payments available to report annually to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accountsyou, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, following terms apply to any instant payments we report taxpayer information receive for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid credit to your account through an instant payments network, which may be the RTP® network operated by a third party, The Clearing House, or FedNow, operated by the Federal Reserve (each, a “Network”).  In addition to applicable laws referenced in the Section captioned “What law governs this Agreement?” instant payments made or received through the RTP® network are governed by the network guidelines under Section 4A of the Uniform Commercial Code without regard to its conflict of laws principles.  Instant payments made or received through FedNow are governed by Section 4A of the Uniform Commercial Code as incorporated by Regulation J, Subpart C, and pay it the Electronic Funds Transfer Act (“EFTA”). In the event of an inconsistency between the provisions of subpart C and the EFTA, EFTA shall prevail to the IRSextent of the inconsistency. In some cases,  Instant payments Networks may be used only for eligible payments between a state sender and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we receiver whose accounts are required to pay backup withholding to located in the IRS. Backup withholding is not an additional taxUnited States. You may claim amounts withheld not receive instant payments into an account not domiciled in the United States. Instant payments that are permitted under the rules of the Networks and paid to the IRS as a credit on your federal income tax returnour requirements are considered eligible payments for purposes of this Agreement.  Instant payments are irrevocable and cannot be reversed. If we receive a request to return an instant payment previously credited to your account, the Bank may attempt to contact you but will have no liability for failing to do so. Any dispute between you and a sender must be resolved directly between you and the sender, and you agree that SouthState will have no liability in connection with such a dispute.  Funds transferred before 9:00 p.m. EST on a business day show the same day’s date in the transaction history. Funds transferred at or after 9:00 p.m., EST, on a business day are included in that day’s Memo Ledger Balance, meaning that these funds will be available and may be used to pay transactions the same night as the deposit; however, they will show the date of the next business day in your account’s transaction history.  Funds transferred on a foreign person Saturday, Sunday or entity exempt from information reporting and backup with- holding, you must provide federal holiday will show the address of your permanent foreign residence or next business day’s date in the entity’s principal foreign office transaction history.  Interest bearing accounts will accrue interest on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to daily balance in the account at the end of the third calendar year following the year in which you last certified your statuseach business day.  If you fail wish to renew your status by the last day of the fourth calendar yearreport a transaction error, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become report an unauthorized transaction, return a U.S. Citizen payment, or resident after opening your accounthave a question about an instant payment, you must notify call us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such lawimmediately at 0-000-000-0000. For more information or about your consumer rights under EFTA refer to determine how this information applies to you, consult your U.S. tax advisorthe Section captioned “Error Resolution Notice (Regulation E).”

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If mail or through Online Banking if you use one of our information channels, you may receive notice through that serviceselected the e-statement option within Online Banking for your deposit account documents. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two 2 business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, you can access your account through Online Banking or telephone banking or you can call us the Customer Care Center at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. ACH What different rules, if any, apply to AcH Debits and Credits credits? From time to time, originators that you authorize may send automated clearing house (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone your account number to help prevent unauthorized transactions on your account. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction, see Stop Payment Orders and Postdating Orders in the Other Terms and Services sectionsubsection entitled “Can you stop payment on a preauthorized transaction?” above. Tax Information In most instances When are we are required to report annually to you and to the Internal Revenue Service withhold interest (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. “backup withholding”)? When you open an account, we you are required to obtain — and each U.S. Citizen or resident alien must give us — provide a certified (1) U.S. Taxpayer Identification Number, (2) U.S. social security number or (3) IRS Individual Taxpayer Identification Number (each, a “TIN) ”), and information regarding your backup withholding status. that By opening your account, you have provided are certifying the correct TIN for the account holder and the correct backup withholding statusinformation provided is complete and accurate. For individual accounts, the TIN If there is your So- cial Security Number (SSN). For individual accounts with more than one ownerowner on the account, we will report taxpayer information for on the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN)records and on your signature card. For other accounts, estates and trusts the TIN is the owner’s Employer Identification Number (EIN)Number. If you do not give are exempt from backup withholding, you must submit a completed exemption certification (i.e. Form W-8) and provide it to us along with your TIN. Unless you are exempt, federal law requires us to withhold a certi- fied name and statutory amount of interest payments (“backup withholding”) if you fail to furnish a TIN, if the IRS notifies us that the name and TIN you gave us provided is incorrect, or if you or we are notified by the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required subject to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRSwithholding. Backup withholding is not an additional tax. You may claim amounts withheld tax and can be claimed and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and certified TIN is not provided at the time your account is opened, backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign personswithholding will commence immediately. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account TIN promptly after you receive it. After 30 days, if a certified TIN is not furnished, we may close your account. Interest/Tax Com- pliance Act Reporting On an annual basis, we are required to report to you and the Internal Revenue Service (FATCAIRS) as mandated by U.S. Federal Tax Lawinterest payments that totaled $10 or more on your account over the course of the year. The report will be mailed to the address in our records for your account. Other Rights Applicable to Accounts Waiver. We reserve the right to delay or waive the enforcement of any of the terms of this Agreement. Any such waiver applies only in the specific instance in which we waived the provision and will withhold on certain payments when required by such law. For more information not affect our right to enforce any of our rights with respect to other customers, or to determine how enforce any of our rights with respect to later transactions with you. No waiver or delay in enforcing our rights will affect your obligation to pay us fees and other amounts you owe us under this information applies to you, consult your U.S. tax advisorAgreement.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If you use one of our information channels, you may receive notice mail or through that serviceonline banking services. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two (2) business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, you can access your account through online banking or mobile banking services, or telephone banking or you can call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. What additional rules, if any, apply to ACH Debits and Credits Credits? From time to time, originators that you authorize may send automated clearing house (ACH) ACH credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating any and all ACH Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone hereby authorize the Originating Depository Financial Institution to initiate, pursuant to ACH Operating Rules, ACH debit entries to your account number for presentment or re-presentment of items written or authorized by you. Under the ACH Rules, we can return any non-consumer ACH debit entry as unauthorized until midnight of the business day following the business day we post the entry to help prevent unauthorized transactions on your account. You must notify In order for us immediately of unauthorized activity. For information about stopping payment of an ACH transactionto meet this deadline, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we you are required to report annually notify us to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN)return any non-consumer ACH debit entry as unauthorized by 10:00 A.M. EST. If you do not give timely notify us of the unauthorized non-consumer ACH debit entry, we will not be able to return it without the cooperation and agreement of the originating bank and the originator of the debit entry. Any other effort to recover the funds must occur solely between you and the originator of the entry. Can I make a certi- fied name and TINtransfer using Phone Banking? A phone transfer of funds from your account to another account of yours with us, if the IRS notifies us that the name and TIN you gave us is incorrectotherwise arranged for or permitted, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status be made by the last day of same persons and under the fourth calendar year, your interest payments are subject same conditions generally applicable to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. For more information or to determine how this information applies to you, consult your U.S. tax advisorwithdrawals made in writing.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send statements by mail. If you use one of our information channels, you may receive notice through that service. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two business days after we credit your account. account.‌ We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours. ACH Debits and Credits From time to time, originators that you authorize may send automated clearing house (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone your account number to help prevent unauthorized transactions on your account. You must notify us immediately of unauthorized activity. For information about stopping payment of an ACH transaction, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and to the Internal Revenue Service (IRS) interest payments that total $10 or more during the year on your deposit account with us. We may also be required to report this information to the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. When you apply for an account, you certify that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your certified name and TIN. 53 We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold on certain payments when required by such law. law.‌‌‌‌ For more information or to determine how this information applies to you, consult your U.S. tax advisor.

Notice of Funds Transfer. We notify you that we have received funds transfers by listing them on your account statement. We send provide statements to you by mail. If you use one of our information channels, you may receive notice mail or through that serviceonline banking services. We are not obligated to send you a separate notice of each incoming funds transfer. While we generally do not provide such separate notices, we may do so on occasion, in which case we send the notice within two (2) business days after we credit of crediting your account. We are not obligated to pay you interest for the period before you receive notice. If you are expecting a funds transfer and want to find out if it has been credited to your account, you can access your account through online banking or mobile banking services, or telephone banking or you can call us at 0.000.XXXXXXX (0.000.000.0000) during our normal business hours0-000-000-0000. What additional rules, if any, apply to ACH Debits and Credits Credits? From time to time, originators that you authorize may send automated clearing house (ACH) ACH credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Auto- mated Clearing House Association (NACHA) Operating any and all ACH Rules and any local ACH operating rules then in effecteffect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be careful about giving someone hereby authorize the Originating Depository Financial Institution to initiate, pursuant to ACH Operating Rules, ACH debit entries to your account number for presentment or re-presentment of items written or authorized by you. Under the ACH Rules, we can return any non-consumer ACH debit entry as unauthorized until midnight of the business day following the business day we post the entry to help prevent unauthorized transactions on your account. You must In order for us to meet this deadline, you are required to notify us immediately to return any non-consumer ACH debit entry as unauthorized by 10:00 A.M. EST. If you do not timely notify us of the unauthorized activitynon-consumer ACH debit entry, we will not be able to return it without the cooperation and agreement of the originating bank and the originator of the debit entry. For information about stopping payment Any other effort to recover the funds must occur solely between you and the originator of the entry. INTEREST/TAX REPORTING On an ACH transactionannual basis, see Stop Payment Orders and Postdating Orders in the Other Terms and Services section. Tax Information In most instances we are required to report annually to you and to the Internal Revenue Service (IRS) interest payments payments, rebates or bonuses that total $10 or more during the year on your deposit account with us. We may also be required to report this information to account(s) over the appropriate state revenue authority. When you open an account, we are required to obtain — and each U.S. Citizen or resident alien must give us — a certified U.S. Taxpayer Identification Number (TIN) and information regarding your backup withholding status. that you have provided the correct TIN for the account holder and the correct backup withholding status. For individual accounts, the TIN is your So- cial Security Number (SSN). For individual accounts with more than one owner, we report taxpayer information for the person listed first in our records. Resident aliens who do not qualify for Social Security should provide their Individual Taxpayer Identifica- tion Number (ITIN). For other accounts, the TIN is the owner’s Employer Identification Number (EIN). If you do not give us a certi- fied name and TIN, if the IRS notifies us that the name and TIN you gave us is incorrect, or if the IRS notifies us that you failed to report all your interest and dividends on your tax return, we are required to backup withhold at the current backup withholding rate on interest paid to your account and pay it to the IRS. In some cases, a state and local tax authority may also require that we pay state and local backup withholding on interest paid to your account when we are required to pay backup withholding to the IRS. Backup withholding is not an additional tax. You may claim amounts withheld and paid to the IRS as a credit on your federal income tax return. If you are a foreign person or entity exempt from information reporting and backup with- holding, you must provide the address of your permanent foreign residence or the entity’s principal foreign office on the Form W8 that you give to us. For accounts with multiple owners, all owners must certify their status as foreign persons. You must renew your status as an exempt foreign person or entity prior to the end course of the third calendar year following the year in which you last certified your status. If you fail to renew your status by the last day of the fourth calendar year, your interest payments are subject to backup withholding. Some limited exemptions from this renewal process exist. If you become a U.S. Citizen or resident after opening your account, you must notify us within 30 days and provide us with your We comply with Foreign Account Tax Com- pliance Act (FATCA) as mandated by U.S. Federal Tax Law. We will withhold mail the appropriate tax filing form to the address we have on certain payments when required by such lawfile for your account. For more information UNLAWFUL INTERNET GAMBLING In accordance with the requirements of Regulation GG, this notice is to inform commercial customers that restricted transactions are prohibited from being processed through their account(s) or to determine how this information applies to yourelationship with our institution. Restricted transactions are transactions in which credit, consult your U.S. tax advisorelectronic funds transfers, checks, drafts, or other proceeds are accepted in connection with unlawful Internet gambling.