Common use of Receiving Payments Clause in Contracts

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle tag enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App or from an Eligible Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text message). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account and us (including through the Website) to send emails to you and text messages to your mobile phone in connection with the Sender’s initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle tag enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App or from an Eligible Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx Zelle and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text message). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account and us (including through the Website) to send emails to you and text messages to your mobile phone in connection with the Sender’s initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle tag enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Person to Person Service to an Eligible Account account you hold or, or as applicable, if you as a Requestor want to initiate a Zelle Payment Person to Person Request, he, /she or you can do that from the Website or the Mobile App Site or from an Eligible Account account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Person to Person Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text message). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Accountaccount, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the paymentaccount. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account Servicer's account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, and as a Receiver, you may also receive Zelle Payment Requests, Person to Person Requests from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Account account an amount equal to the amount of funds improperly transferred to you. You acknowledge and agree that individuals to whom you send a Person to Person Request may not receive, or otherwise may reject or ignore, your Person to Person Request. We do not guarantee that you will receive any payments from individuals initiating a Person to Person Request. PAYMENT METHODS AND AMOUNTS There are limits on the amount of money you can send or receive through our Service. Your limits may be adjusted from time-to-time at our sole discretion. We also reserve the right to select the method in which to remit funds on your behalf, and the method to return funds to you in the event that your account is closed or otherwise unavailable to us. These payment methods may include, but may not be limited to, an electronic or paper check payment.

Receiving Payments. You authorize other Users General provisions for receiving payments PayPal may allow anybody (with or without an account) to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by make a Network Financial Institution per payment resulting in the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions issuance or prohibitions on permissible transactions. Once a User initiates a transfer of electronic money to your email address, mobile phone number, or Zelle tag enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) belowaccount. By using the Zelle Payment Serviceintegrating (including by having already integrated) into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and authorize us to initiate credit entries our Legal Agreements page) or online platform. Such further terms include the PayPal Alternative Payment Methods Agreement. The receipt of a payment into your account does not equate to the bank receipt of cleared funds. A notification that a payment has been sent to you does not amount to a receipt of electronic money in your account unless you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App or from an Eligible Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you accepted the payment. For We may allow you to accept payments in any currency supported by our Service from time to time. Where you (instead of PayPal) offer the Zelle Payment Servicepayer at the point of sale a currency conversion of an amount you receive through PayPal, most transfers you will inform the buyer of money the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you from other Users will typically occur within minutes. There may be other circumstances when subject to a reversal, payment review, limitation, reserve or hold as allowed under this user agreement. Receiving limits We may, at our discretion, impose limits on the payment may take longeramount and value of payments you can receive, including money you receive for purchases. • For exampleTo lift your receiving limit, in order to protect you, us, Xxxxx and you must follow the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment steps that you have initiated through a request for money, we will notify to you or publish from time to time (which we may set out in accordance with your User preferences (i.e., email, text messageaccount overview). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account and us (including through the Website) to send emails to you and text messages to your mobile phone in connection with the Sender’s initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.PAYPAL USER AGREEMENT

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 “Federal Rules Applicable to Electronic Funds Transfers (Payment Cancellation, H)6. Stop Payment Requests and Refused Payments for Zelle and Other Payment Services) belowServices Payments. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Online Banking, Mobile App Banking, or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the your payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteOnline Banking or Mobile Banking) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Zelle Payment Requests, each as applicable, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the sender’s Sender's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number, number or Zelle tag Tag enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 “Federal Rules Applicable to Electronic Funds Transfers (Payment Cancellation, H)6. Stop Payment Requests and Refused Payments for Zelle and Other Payment Services) belowServices Payments. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Online Banking, Mobile App Banking, or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the your payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteOnline Banking or Mobile Banking) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Zelle Payment Requests, each as applicable, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the sender’s Sender's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times payments received are subject to rules and regulations governing your Eligible Account, and the terms and conditions of the relevant service agreement between that the applicable Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactionscustomer who initiated the transaction. Once a User initiates a transfer of money to your email address, address or a U.S. mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website Site or the Mobile App or from an Eligible Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement these Terms and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. .There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text message). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account and us (including through the Website) to send emails to you and text messages to your mobile phone in connection with the Sender’s initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account1. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 6 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. 2. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. 3. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer Customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 10.6 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer Customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 6 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. a. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in the Section 8 (below entitled “Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below”. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Account eligible transaction account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. b. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx Zelle and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account 's eligible transaction account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. c. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.Service Provider

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle tag enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 6 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 6 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx Zelle and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. Requesting Payments. You may request money from another User through a Zelle Payment Request. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Xxxxx guarantee that you will receive money from other Users by sending a Zelle Payment Request, or that you will receive the amount that you request. Neither we nor Xxxxx accept responsibility if the other User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Xxxxx may decide, in our sole discretion, that we will not send a reminder or repeat request to that User. In addition to the other restrictions in this Agreement, by accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Zelle Payment Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any Zelle Payment Request that you send that is related to overdue or delinquent amounts. You agree to receive Zelle Payment Requests from other Users, and to only send Zelle Payment Requests for legitimate and lawful purposes. Zelle Payment Requests are solely between the Requestor and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Xxxxx assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the Requestor. We reserve the right, but assume no obligation, to terminate your ability to send Zelle Payment Requests in general, or to specific recipients, if we deem such Zelle Payment Requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient. If applicable, if you as a Requestor initiate a Zelle Payment Request using the Zelle Payment Service, you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Zelle Payment Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Zelle Payment Request may not receive, or otherwise may reject or ignore, your Zelle Payment Request. We do not guarantee that you will receive any payments from individuals by initiating a Zelle Payment Request. Zelle Small Business Service Users may not send Zelle Payment Requests to Users enrolled with Zelle through Zelle Standalone Locations. PAYMENT CANCELLATION, STOP PAYMENT REQUESTS AND REFUSED PAYMENTS FOR OTHER PAYMENT SERVICES Zelle Payment Service payments can only be cancelled in the limited circumstances set forth in Section 3(a) (Sending Payments) above. This Section only applies to the Other Payment Services, not Zelle Payment Services. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver€™s Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver€™s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. If we charge you to stop the payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver who has not enrolled in Zelle will be automatically cancelled fourteen (14) days after the processing of the payment begins. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number, number or Zelle tag Zelle® Tag enrolled with the Zelle Zelle® Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 “Federal Rules Applicable to Electronic Funds Transfers (Payment Cancellation, H)6. Stop Payment Requests and Refused Payments for Zelle® and Other Payment Services) belowServices Payments. By using the Zelle Zelle® Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Zelle® Payment Request, if applicable) using the Zelle Zelle® Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Zelle® Payment Request, he, she or you can do that from the Website or the Online Banking, Mobile App Banking, or from an Eligible Transaction Account at a financial institution that participates in the Zelle Zelle® Payment Service or at a Zelle Zelle® Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Zelle® Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx Zelle® and the other Network Financial Institutions, we may need or Zelle Zelle® may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the your payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteOnline Banking or Mobile Banking) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may also receive Zelle Zelle® Payment Requests, each as applicable, from others through the Zelle Zelle® Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the senderSender, because there were not sufficient funds in the sender’s Sender's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 6 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website or the Mobile App Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., i.e. email, text messagepush notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Transaction Account and us (including through the WebsiteSite) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. Requesting Payments. You may request money from another User through a Zelle Payment Request. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Xxxxx guarantee that you will receive money from other Users by sending a Zelle Payment Request, or that you will receive the amount that you request. Neither we nor Xxxxx accept responsibility if the other User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Xxxxx may decide, in our sole discretion, that we will not send a reminder or repeat request to that User. In addition to the other restrictions in this Agreement, by accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Zelle Payment Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any Zelle Payment Request that you send that is related to overdue or delinquent amounts. You agree to receive Zelle Payment Requests from other Users, and to only send Zelle Payment Requests for legitimate and lawful purposes. Zelle Payment Requests are solely between the Requestor and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Xxxxx assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the Requestor. We reserve the right, but assume no obligation, to terminate your ability to send Zelle Payment Requests in general, or to specific recipients, if we deem such Zelle Payment Requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient. If applicable, if you as a Requestor initiate a Zelle Payment Request using the Zelle Payment Service, you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Zelle Payment Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Zelle Payment Request may not receive, or otherwise may reject or ignore, your Zelle Payment Request. We do not guarantee that you will receive any payments from individuals by initiating a Zelle Payment Request. Zelle Small Business Service Users may not send Zelle Payment Requests to Users enrolled with Zelle through Zelle Standalone Locations. PAYMENT CANCELLATION, STOP PAYMENT REQUESTS AND REFUSED PAYMENTS FOR OTHER PAYMENT SERVICES Zelle Payment Service payments can only be cancelled in the limited circumstances set forth in Section 3(a) (Sending Payments) above. This Section only applies to the Other Payment Services, not Zelle Payment Services. Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver€™s Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver€™s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting customer care. If we charge you to stop the payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver who has not enrolled in Zelle will be automatically cancelled fourteen (14) days after the processing of the payment begins. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times payments received are subject to rules and regulations governing your Eligible Account, and the terms and conditions of the relevant service agreement between that the applicable Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactionscustomer who initiated the transaction. Once a User initiates a transfer of money to your email address, address or a U.S. mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website Site or the Mobile App or from an Eligible Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement these Terms and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text message). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Account and us (including through the Website) to send emails to you and text messages to your mobile phone in connection with the Sender’s initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.

Receiving Payments. You authorize other Users to transfer payments to you. Transfers that we receive from another User on your behalf will be credited to your Eligible Account. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, address or a U.S. mobile phone number, or Zelle tag number enrolled with the Zelle Payment Service, you have no ability to stop the transfer. Other Payment Service payments may be cancelled by the Sender as set forth in Section 8 (Payment Cancellation, Stop Payment Requests and Refused Payments for Other Payment Services) below. By using the Zelle Payment Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled. If another person wants to initiate a Payment Instruction (including in response to a Zelle Payment Request, if applicable) using the Zelle Payment Service to an Eligible Account you hold or, as applicable, if you as a Requestor want to initiate a Zelle Payment Request, he, she or you can do that from the Website Site or the Mobile App or from an Eligible Account at a financial institution that participates in the Zelle Payment Service or at a Zelle Standalone Location. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. For the Zelle Payment Service, most transfers of money to you from other Users will typically occur within minutes. There may be other circumstances when the payment may take longer. • For example, in order to protect you, us, Xxxxx Zelle and the other Network Financial Institutions, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. • We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., email, text message). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s 's Eligible Account and us (including through the Website) to send emails to you and text messages to your mobile phone in connection with the Sender’s 's initiation of Payment Instructions to you, and, as a Receiver, you may receive Zelle Payment Requests, from others through the Zelle Payment Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s 's account, or for any other reason, then you hereby authorize us or our Vendor to withdraw from your Eligible Account an amount equal to the amount of funds improperly transferred to you.