Common use of Telephone Monitoring and Recording Clause in Contracts

Telephone Monitoring and Recording. From time to time we may monitor and record your telephone calls regarding your account with us to assure the quality of our service. Closing Your Account You may close your account at any time by notifying us in writing. However, you remain responsible to pay the total balance according to the terms of this Agreement. We may close your account or suspend your account privileges at any time for any reason not prohibited by applicable law without prior notice. We may also reissue a different card, account number, or different checks at any time. You must return the card or the checks to us upon request. Refusal of the Card We are not responsible if a transaction on your account is not approved, either by us or by a third party, even if you have sufficient credit available. We may limit the number of transactions that may be approved in one day. If we detect unusual or suspicious activity on your account, we may temporarily suspend your credit privileges until we can verify the activity. Changing this Agreement We may change the rates, fees, and terms of this Agreement at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to another creditor when due, amounts owed to other creditors, the number of credit accounts outstanding, or the number of credit inquiries. These reasons may also include competitive or market-related factors. Changing terms includes adding, replacing, or deleting provisions relating to your account and to the nature, extent, and enforcement of the rights and obligations you or we may have relating to this Agreement. These changes are binding on you. However, if the change will cause a fee, rate, or minimum payment to increase, we will mail you written notice, subject to applicable law, or at least 45 days before the beginning of the billing period in which the change becomes effective. If you do not agree to the change, you must notify us in writing prior to the effective date of the change and pay us the total balance, either at once or under the terms of the unchanged Agreement. Unless we notify you otherwise, use of the card after the effective date of the change shall be deemed acceptance of the new terms. Enforcing this Agreement We can delay in enforcing or fail to enforce any of our rights under this Agreement without losing them.

Telephone Monitoring and Recording. From time In order to time we may monitor ensure that you receive the best possible service, and record your telephone calls regarding your account that our employees comply with us to assure the quality of our service. Closing Your Account You may close your account at any time by notifying us policies and applicable laws in writing. Howevertheir contact with you, you remain responsible to pay the total balance according to the terms of this Agreement. We may close your account or suspend your account privileges at any time for any reason not prohibited by applicable law without prior notice. We may also reissue a different card, account number, or different checks at any time. You must return the card or the checks to us upon request. Refusal of the Card We are not responsible if a transaction on your account is not approved, either by us or by a third party, even if you have sufficient credit available. We may limit the number of transactions that may be approved in one day. If we detect unusual or suspicious activity on your accountoccasion, we may temporarily suspend record your credit privileges until we can verify the activity. Changing this Agreement We may change the rates, fees, and terms of this Agreement at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to another creditor when due, amounts owed to other creditors, the number of credit accounts outstanding, or the number of credit inquiries. These reasons may also include competitive or market-related factors. Changing terms includes adding, replacing, or deleting provisions relating to your account and to the nature, extent, and enforcement of the rights and obligations you call or we may have relating a second employee listening to this Agreementyour call. These changes are binding on youYou consent to the recording and monitoring of your calls and further authorize us to contact you by telephone for any lawful purpose. HoweverChange of Address – If your mailing address or contact information has changed, or if the change will cause a fee, rate, or minimum payment to increase, we will mail you written notice, subject to applicable law, or at least 45 days before the beginning of the address as it appears on this billing period in which the change becomes effective. If you do not agree to the changestatement is incorrect, you must notify us promptly by contacting us at the address or telephone number at the beginning of this Agreement or use our website at xxx.XxxxxxxXX.xxx. If we note that mail addressed to you is returned to us by the United States Postal Service (USPS) with an address correction label, you authorize us to accept, at our option, the mailing address correction provided by USPS to correct the address on your Account. If you have elected to receive electronic billing statements for this Account, you must promptly provide us with an update of your correct email address. Your email address may be easily updated by accessing our electronic banking platform “Home Banking” located on our website. A bad address may result in writing prior a monthly Bad Address Processing Fee as set forth in our current Schedule of Fees. Information we share and our Privacy Policy – We do not share your personal information except with non-affiliated service providers we use to service your Account and we only share the effective date information necessary to accomplish specific tasks. By opening this Account, you understand and grant us the authorization to share information about you and this Account with the service provider we use to assist you in case of emergency about your Account. Our overall Privacy Policy is available on our website, was provided to you in the Universal Account Agreement when you opened your membership. Our Privacy Policy is also made available to you electronically if you are registered with our e-Statement service or by U.S. Postal service on an annual basis. Liability for Lost or Stolen Cards or Account Number – If your Card, Account number or other means to access your Account are lost or stolen, or you think someone used or may use your Account without your permission, you must notify us at once, orally or in writing, Monday through Friday 9:00 AM to 5:30 PM at the address and phone number shown on this agreement or by calling 0-000-000-0000 twenty-four (24) hours a day, seven (7) days a week. You will not be liable for unauthorized transactions that occurs after you notify us of the change loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made from your Account, unless you are found to be grossly negligent in the handling of your Card or Account. If you notify us properly and no gross negligence was found from your part, your liability will not exceed $50 and may be waived under the Visa agreement with your Card issuer. IMPORTANT INFORMATION REGARDING YOUR ACCOUNT – We may report information about your Account to credit reporting agencies, including a failure to pay us on time (late payments, missed payments or other defaults). This applies to all parties liable for this Account. GOVERNING LAW – THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF FLORIDA WHERE WE AND YOUR ACCOUNT ARE LOCATED, AND WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. Special Rule for Credit Card Purchases – If you have a problem with the total balance, either at once or under the terms quality of the unchanged Agreementproperty or services that you purchased with your card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. Unless There are two (2) limitations on this right: a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and b) The purchase price must have been more than $50.00. These limitations do not apply if we notify own or operate the merchant, or if we mailed you otherwisethe advertisement for the property or services. Emerald Cash Rewards Visa® - Terms and Conditions – Cash rewards are based on the qualifying purchases you make and rewards are earned at tier levels as follows: Qualified Purchases Earned Rewards $0 to $5,000 0.5% $5,001 to $10,000 1.0% Over $10,000 1.5% A qualified purchase is a net retail purchase and does not include credits, use returns or adjustments. Cash advances, gift card purchases, balance transfers, and purchase of monetary instruments are not eligible purchases and will not count towards cash rewards. To be eligible for cash rewards, you must be registered for our e-Statement service and agree to receive your Accounts statements and future disclosures electronically. Earned cash rewards are calculated monthly and accrue each month throughout the year. You can see the monthly earned cash rewards amount and cumulative balance on your credit card after billing statement each month. Cash rewards will not be earned or accrue for any month that you are delinquent on your payment for a period of 30 days or more. Cumulative earned cash rewards of $20 or more will be paid once a year during the effective date month of the change shall be deemed acceptance of the new terms. Enforcing this Agreement We can delay in enforcing or fail to enforce any of our rights under this Agreement without losing them.November and deposited into your Savings (S1)

Telephone Monitoring and Recording. From time to time we You agree that SunTrust may monitor and and/or record your any telephone calls regarding your account conversation with us you for any reason, including to assure monitor the quality of our serviceservice you receive and to verify transaction related information. Closing Your You agree that SunTrust is not required to remind you before or during each telephone call that the conversation is subject to being monitored and/or recorded in accordance with applicable state and federal law. Signature Authorities The Bank accepts no liability with respect to an Account You except to the Depositor, and shall not be liable to Depositor's officers, directors, stockholders, partners, joint venturers or other interested persons. The Bank will rely upon the signature card, resolution or other written designation of Authorized Signers on an Account until we have received written notice in a form acceptable to the Bank that the authority has been terminated and we have had a reasonable time to act upon the notice. Depositors referenced on the Bank’s records as owners or authorized officers designated to have such authority can add or remove authorized signers or additional signatories from the Account. If the authorized signers in your Account change, the Bank may continue to honor items and instructions given earlier by any previously authorized signer until we receive specific written notice from you not to do so and have had a reasonable amount of time to act. In such cases, we may require that you close the Account and open a new one or place stop payment orders to prevent transactions from occurring. Each Depositor referenced on the Bank’s records as an owner of the Account or each signer named on your account at any time signature card or resolution is authorized to endorse and deposit items payable to your Account, sign checks, drafts, items or other written orders and initiate wire transfers and execute Bank’s Funds Transfer Authorization wire request form and disclosure, place and remove stop payment requests, and make withdrawals. The Bank does not, however, verify the signatures on every check paid against your Account, which is in accordance with industry standards and you agree that this is not a failure by notifying us in writingthe Bank to exercise ordinary care. HoweverWhen you receive your monthly statement, you remain responsible should carefully and promptly examine it to pay verify only authorized checks have been paid. The Bank will not be liable if we refuse to honor any item that we believe, in our discretion, does not contain a genuine authorized signature. Signature Specimen. You agree that the total balance according to Bank may verify your signature through the terms of this Agreementsignature card or a check or other document that bears your signature. We may close use an automated process to obtain an image or sample of your account signature from a check that bears your signature. If you create your own checks or suspend obtain them from another source, and we cannot accurately verify your account privileges at any time signature on a check by comparing the signature to a check posted to your Account, you are responsible for any reason not prohibited by applicable law without prior noticelosses that may result from our inability to use that check to verify your signature. We may also reissue a different cardAgency and Fiduciary Accounts. Any individual acting as an Agent, account numberGuardian, Personal Representative, Trustee, Custodian or different checks at any timein some other fiduciary capacity must present the appropriate document(s) that support such authority or designation. You must return The Bank has the card or the checks right to us upon requestreview, accept and retain these documents on file. Refusal of the Card We are not responsible if liable for the misapplication of funds from your Account by your agent. Multiple Signatures. The Bank does not offer accounts on which two or more signatures are required for a transaction withdrawal of funds from your Account. Any attempt to include such requirement on your checks, signature card or other governing account is documents will be for your internal purposes or controls only and will not approvedbe binding on the Bank. The Bank may pay checks, either by us or by a third partyitems, even if you have sufficient credit available. We may limit the number of transactions that may be approved in one day. If we detect unusual or suspicious activity on your accountelectronic debits, we may temporarily suspend your credit privileges until we can verify the activity. Changing this Agreement We may change the rateswires, feescheck card transactions, and terms of this Agreement at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to another creditor when due, amounts owed to other creditors, the number of credit accounts outstandingonline banking transactions, or the number of credit inquiries. These reasons may also include competitive other withdrawal instructions signed or market-related factors. Changing terms includes adding, replacing, or deleting provisions relating to your account and to the nature, extent, and enforcement approved by any one of the rights and obligations you or we may have relating to this Agreement. These changes are binding authorized signers on you. However, if the change will cause a fee, rate, or minimum payment to increase, we will mail you written notice, subject to applicable law, or at least 45 days before the beginning of the billing period in which the change becomes effective. If you do not agree to the change, you must notify us in writing prior to the effective date of the change and pay us the total balance, either at once or under the terms of the unchanged Agreement. Unless we notify you otherwise, use of the card after the effective date of the change shall be deemed acceptance of the new terms. Enforcing this Agreement We can delay in enforcing or fail to enforce any of our rights under this Agreement without losing themAccount.