Common use of Telephone Banking Clause in Contracts

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours you may call 0-000-000-0000 or login to your online banking and send us a secure message to report your ATM/Visa Debit Card lost or Stolen. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: • Your name and Account number (if any). • A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. • If you tell us orally, we may require that you send your complaint or question in writing within 5 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ Banking You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ Banking You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ Transfer You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ Protection You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ Transfers You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ Cancellations If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ Transfers TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours you may call 0-000-000-0000 or login to your online banking and send us a secure message to report your ATM/Visa Debit Card lost or Stolen. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ E Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Transfers Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: • Your name and Account number (if any). • A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. • If you tell us orally, we may require that you send your complaint or question in writing within 5 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours If you may call 0-000-000-0000 or login to believe that your online banking and send us a secure message to report your ATM/Visa Debit Card Access Device has been lost or Stolenstolen or that someone has transferred or may transfer money from your Account without your permission, call Customer Service or write the Bank attention Customer Service. You may also e-mail. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: • Your name and Account number (if any). • A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. • If you tell us orally, we may require that you send your complaint or question in writing within 5 10 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ Banking You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ Banking You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ Transfer You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ Protection You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ Transfers You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ Cancellations If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ Transfers TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours you may call 0-000-000-0000 or login to your online banking and send us a secure message to report your ATM/Visa Debit Card lost or Stolen. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ E Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Transfers Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: •  Your name and Account number (if any). •  A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. •  If you tell us orally, we may require that you send your complaint or question in writing within 5 10 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, and make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours you may call 0-000-000-0000 to report your ATM/Visa Debit Card lost or Stolen or login to your online banking and send us a secure message to report your ATM/Visa Debit Card lost or Stolenmessage. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: • Your name and Account number (if any). • A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. • If you tell us orally, we may require that you send your complaint or question in writing within 5 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ Banking You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, and make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ Banking You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ Transfer You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ Protection You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ Transfers You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ Cancellations If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ Transfers TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours you may call 0-000-000-0000 to report your ATM/Visa Debit Card lost or Stolen or login to your online banking and send us a secure message to report your ATM/Visa Debit Card lost or Stolenmessage. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ E Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Transfers Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: •  Your name and Account number (if any). •  A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. •  The dollar amount of the suspected error. •  If you tell us orally, we may require that you send your complaint or question in writing within 5 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is i s in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”

Telephone Banking. ‌ You may use our Voice Response Unit to speak with a banker or to get your account information, transfer funds between your accounts with us. You must have a valid deposit account and PIN to use this system. Online Banking‌ Banking You may use Online Banking to view your account information, make deposits, transfer funds between your accounts, and make payments from your checking account to third parties. You must agree to the additional disclosures for using additional online services. Mobile Banking‌ Banking You may use Mobile Banking to make deposits to your accounts. You must agree to the additional disclosures for using Mobile services. Mobile Banking is offered as a convenience and supplemental service to the Bank’s Online Banking Services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Not all mobile devices will be capable of accessing and using Mobile Banking. The Bank cannot guarantee the availability of underlying data services provided by your mobile carrier, (i.e. we are not responsible for carrier data outages or "out of range" issues). We will not be responsible for any inability of your mobile device to access or use Mobile Banking, or for any loss or damage to your mobile device resulting from your access or use, or attempted access or use, of Mobile Banking (including downloading any associated Java applications for Mobile Banking), and you should satisfy yourself as to these matters before attempting to access or use Mobile Banking. Some mobile devices may store (cache) information that is accessed during a Mobile Banking session. You must have an eligible mobile device capable of SMS messaging (for SMS (Text) Banking), or downloading Java applications and making data connections to the Internet (for Mobile Browser Banking). You must be authorized to use and incur charges on your mobile device cellular account in relation to Mobile Banking. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. Mobile Banking consists of two separate features: SMS (Text) Banking – access available account information via text messaging. Browser Mobile Banking - a mobile version of Online Banking accessed via an URL. To activate Browser Mobile Banking, you must have at least one active deposit Account, be an owner of the Account and be registered for Online Banking. To access the Browser Mobile Banking feature, you must know the Mobile Banking URL and will log in using the required login credentials used for Online Banking. The following options are available in the Browser Mobile Banking: Account information - includes transaction history (length of time is limited) and does not replace the periodic statements for your Account. Transfers - between Bank accounts. Bill Payment - submit payments to payees already set-up within the Bill Pay module of Online Banking. We may offer additional mobile services and features in the future. Any such added mobile services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new mobile service or feature is added and/or at the time of enrollment for the feature or service if applicable. If at any time you should cancel your Online Banking access or your Online Banking access changes or becomes inactive, Mobile Banking Services may not be available. You may cancel Mobile Banking at any time by contacting us by email or phone. We do not charge fees for Mobile Banking including EFTs. However, please see our Business Banking Schedule of Fees herein for any excess transaction fees that may apply to your Account. Also, you are responsible for web access and/or data or text message charges that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable. For additional security: Mobile app will automatically wipe your login name and password after each logout SMS Banking will never ask for sensitive customer information Update your mobile device operating system and security programs Linked Account Transfer‌ Transfer You may authorize Axos Bank to transfer funds to and from your business accounts with us for excess balances exceeding your established threshold. Linked Account Transfer Protection‌ Protection You may authorize Axos Bank to transfer funds to and from your business accounts for overdraft protection. Transfers‌ Transfers You may transfer funds to your business Savings, Money Market, or Checking Account at the Bank by logging into online banking. Electronic Transaction Cancellations‌ Cancellations If you have arranged with us in advance to make regular periodic payments out of your designated Account using our Bill Payment Service, you can stop any of those electronic or check payments by following these procedures: Log into Online Banking and cancel the future payments using in the Bill Payment section. Call Customer Service, or e-mail in time for us to receive your request three or more business days before the payment is scheduled to be made. If you call, we may require you to put your request in writing so that it reaches us within 14 days after your call. Your Liability for Unauthorized Electronic Funds Transfers‌ Transfers TELL US AT ONCE if you believe your Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Telephoning us is the best and fastest way of keeping your possible losses down. During business hours you may call 0-000-000-0000 to report your ATM/Visa Debit Card lost or Stolen or login to your online banking and send us a secure message to report your ATM/Visa Debit Card lost or Stolenmessage. You agree that you will not reveal your User ID, Password, PIN, or any other Access Device to any person not authorized by you to use your Access Devices; not write your PIN or Password or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Transactions Not Subject to Electronic Fund Transfer Act or Regulation E‌ E Electronic transfers made from an account used for business purposes, regardless of account ownership, are not subject to the Electronic Funds Transfer Act, Regulation E or to the error resolution procedures set forth herein. You must notify us immediately of any unauthorized or erroneous electronic transactions not subject to the Electronic Fund Transfer Act or Regulation E shown on your statement or a notice. Your notice must be in writing, must include a statement of relevant facts. In Case of Errors or Questions about Your Electronic Transfers‌ Transfers Telephone Customer Service at 0-000-000-0000, email, or write us at Axos Bank, P.O. Box 509127, San Diego, CA 92150, as soon as you can, if you think your online statement or receipt is wrong or if you need more information about a transfer listed on the online statement or receipt. We must hear from you NO LATER than 60 days after your FIRST online statement on which the problem or error has appeared. In your communication to us, be prepared to provide us with the following information: • Your name and Account number (if any). • A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • The dollar amount of the suspected error. • If you tell us orally, we may require that you send your complaint or question in writing within 5 business days. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. For disputes involving the unauthorized use of your VISA Debit Card for VISA point-of-sale transactions, we will provisionally credit your Account within 5 business days. Under the VISA Rules, we may withhold provisional credit to the extent allowed under applicable law if we determine that the circumstances or account history warrants the delay. The VISA Rules do not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed over the VISA network. For purposes of the business VISA Debit Card, transactions by a business co-owner, a cardholder or person authorized by a cardholder, other person with an interest in or authority to transact business on the account, and/or a transaction that exceeds the authority given by the account owner are not deemed as “unauthorized transactions.”” Our Liability for Failure to Complete Electronic Funds Transfers If we do not complete a transaction from your business account on time or in the correct amount, according to our agreement with you, we will be liable for your losses or damages only directly caused by this failure. However, there are some exceptions. For instance, we will not be liable if: through no fault of ours, you do not have enough available funds in your Account, including any available overdraft line of credit, to make the transaction. Circumstances beyond our control (such as fire, flood or riot) prevent the transaction, despite reasonable precautions that we have taken.