Common use of Types of Transfers Allowed Clause in Contracts

Types of Transfers Allowed. You can transfer funds from your Eligible Accounts (a) to your other Eligible Accounts or to another person's eligible account with us (“Transfers to a Friend”) (collectively “Internal Transfers”), or (b) to your Loan Accounts (“Internal Payments”). You may also be able to transfer funds from eligible loans or credit cards to your deposit accounts (“Internal Advances”). Not all types of transfers may be available in all Channels of Digital Banking. Details of your transfers will be available through Digital Banking and listed on your regular account statements. We have the right to establish, without prior notice, limitations on the amount or number of Internal Transfers. We may also without prior notice increase, decrease or remove such limitations at any time, and we are not obligated to enforce our limitations for any particular Internal Transfer. You may make Transfers to a Friend (consumers only) if you know the other person’s account number. Without our express consent, Transfers to a Friend may not exceed $1,000 in the aggregate on any single day (or $2,500 for customers of the California Bank & Trust Division). Be certain that you enter in the correct destination account information as Transfers to a Friend will not be recoverable after processing if you make any input errors. You may also make Internal Payments to Loan Accounts. These Internal Payments will be credited to the designated Loan Account as regular payments. Please refer to your Loan Account’s agreement(s) for information on how regular payments are applied. For some Loan Accounts you may be permitted to make principal-only payments. Which Loan Accounts will accept principal-only Internal Payments is subject to change from time to time without prior notice but will be reflected in the features available each time you log in to Digital Banking. Principal-only payments will not satisfy scheduled payment due requirements. Prior to making a payment to pay off a Loan Account, please contact your Division’s Customer Service to obtain the payoff amount. We cannot guarantee that estimated payoffs will satisfy the loan terms of the Loan Account. Note: transfers from your Eligible Accounts to another person’s account at a different bank is called an “external transfer to a friend” which is an ancillary service that requires enrollment and acceptance of additional terms and conditions. External transfers to a friend are not available in all Channels of Digital Banking.

Types of Transfers Allowed. You can transfer funds from your Eligible Consumer Accounts (a) to your other Eligible Accounts any of Primary Company’s accounts or to another person's eligible account with us (“Transfers to a Friend”) Bank (collectively “Internal Book Transfers”), or (b) if Bank allows, to your Loan Accounts eligible credit accounts (“Internal Payments”). You may also be able to transfer funds from eligible loans or credit cards to your deposit accounts (“Internal Advances”). Not all types of transfers may be available in all Channels of Digital Banking. Details of your transfers will be available through Digital Banking the Service and listed on your regular account statements. We have Bank has the right to establish, without prior notice, limitations on the amount or number of Internal Book Transfers. We Such limits shall be found in your Specifications. Bank may also without prior notice increase, decrease or remove such limitations at any time, and we are it is not obligated to enforce our its limitations for any particular Internal Book Transfer. You may make Also, Internal Book Transfers to a Friend (consumers only) if you know the other person’s account number. Without our express consent, Transfers to a Friend may not exceed $1,000 in the aggregate on any single day (or $2,500 for customers of the California Bank & Trust Division)CANNOT be canceled once they have been submitted. Be certain that you enter in the correct destination account information as Internal Book Transfers to a Friend will may not be recoverable after processing submission if you make any input errors. You may also make Internal Payments to Loan Accountseligible credit accounts. These Internal Payments will be credited to the designated Loan Account credit account as regular payments. Please refer to your Loan Account’s credit agreement(s) for information on how regular payments are applied. For some Loan credit card payments, instructions are made via link to the commercial credit card platform. The terms, conditions, and disclosures on that platform apply to credit card account payments. Internal Book Transfers and Internal Payments ordered before the daily cutoff time will be processed on that day, and available balances in your Consumer Account(s) will be adjusted immediately and available for subsequent (a) ATM transactions, (b) PIN‐based Debit Card transactions, (c) withdrawals at the branch teller, and (d) payment of checks or other debits as applicable to your Consumer Account(s). Applicable cutoff times are disclosed on your screen prior to the final submission of all internal transfers. Internal Book Transfers and Internal Payments ordered after the daily cutoff time, or not on a Business Day, are ordinarily posted to your Consumer Accounts on the next Business Day. However, available balances in your Consumer Account(s) are adjusted immediately and available for subsequent (a) ATM transactions and (b) PIN‐based Debit Card transactions. Any Internal Book Transfer to a Consumer Account may require up to one full Business Day before the funds are available for subsequent non-PIN based Debit Card transactions. Internal Payments made to an enrolled credit account may take up to two (2) Business Days to post, but the credit will be effective as of the date the transfer was initiated. If the available balance in a transferring account is insufficient at the time of a scheduled transfer, these transactions may overdraw your Consumer account and result in a fee (as disclosed for your Consumer Account). You may schedule one‐time and recurring Internal Book Transfers or Internal Payments. You may cancel any one‐time or recurring Internal Book Transfer or Internal Payment if you do so at least one day prior to the scheduled transaction processing date. Scheduled one‐time and recurring Internal Book Transfers or Internal Payments can only be canceled by placing a request through your Service, or by calling your Treasury Customer Care Service. You may NOT cancel any immediate Internal Book Transfer or immediate Internal Payment. (An “immediate” transaction is one that you schedule to begin processing immediately at the time of your instruction, rather than on a future date.) If your Consumer Account has insufficient funds to complete all the day's transactions (including ATM withdrawals, preauthorized transactions, Internal Book Transfers, and Internal Payments, etc.) that will process for a given Business Day, then certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority. If an Internal Book Transfer or Internal Payment would result in an overdraft of your Consumer Account, Bank may, in its sole discretion, honor the transaction and create the overdraft, or cancel the transaction. In addition, you will be charged any applicable overdraft fees (as disclosed for your Consumer Account). Without a separate written agreement by Bank, you are not permitted to make principal-only payments. Which Loan Accounts will accept principal-only Internal Payments is subject to change from time to time without prior notice but will be reflected in the features available each time you log in to Digital Banking. Principal-only payments will not satisfy scheduled payment due requirements. Prior to making a payment to pay off a Loan Account, please contact your Division’s Customer Service to obtain the payoff amount. We cannot guarantee that estimated payoffs will satisfy the loan terms of the Loan Account. Note: send Wires and ACH transfers from your Eligible Accounts Consumer Accounts. International wires using the Service are prohibited, even if Bank agrees to another person’s account at a different bank is called an “external transfer permit domestic wires. ACH service may require underwriting before approval. If Bank approves Wires or ACH transfers from your Consumer Accounts, the provisions of this Supplement and your MSA shall apply to a friend” which is an ancillary service that requires enrollment Service and acceptance of additional terms and conditions. External transfers to a friend are not available in all Channels of Digital Bankingyour transfers.

Types of Transfers Allowed. You Within the Transfer area of the Service, you can transfer funds from your Eligible Accounts (a) to your other Eligible Accounts (“Personal Transfer”) or to another person's eligible account with us (“Transfers to a Friend”) (collectively both “Internal Transfers”), or (b) to your Loan Accounts (“Internal Payments”). You may also be able to transfer funds from eligible loans or credit cards to your deposit accounts (“Internal Advances”). Not all types of transfers You may be available in all Channels of Digital Banking. Details of your transfers will be available through Digital Banking and listed on your regular make Transfers to a Friend only if you know the other person’s account statementsnumber. We have the right to establish, without prior notice, limitations on the amount or number of Internal Transfers. We may also without prior notice increase, decrease or remove such limitations at any time, and we are not obligated to enforce our limitations for any particular Internal Transfer. You may make Transfers to a Friend (consumers only) if you know the other person’s account number. Without our express consent, Transfers to a Friend may not exceed $1,000 in the aggregate on any single day (or $2,500 for customers of the California Bank & Trust Division)day. Also, Transfers to a Friend CANNOT be canceled once they have been submitted. Be certain that you enter in the correct destination account information as Transfers to a Friend will not be recoverable after processing submission if you make any input errors. You may also make Internal Payments to Loan Accounts. These Internal Payments will be credited to the designated Loan Account as regular payments. Please refer to your Loan Account’s agreement(s) for information on how regular payments are applied. For some Loan Accounts you may be permitted to make principal-only principal‐only payments. Which Loan Accounts will accept principal-only principal‐only Internal Payments is subject to change from time to time without prior notice but and will be reflected in the features available each time you log in to Digital Bankingthe Service. Principal-only Principal‐only payments will not satisfy scheduled payment due requirements. Prior to making a payment to pay off a Loan Account, please contact your Division’s Customer Service to obtain the payoff amount. We cannot guarantee that estimated payoffs will satisfy the loan terms of the Loan Account. Note: transfers from your Eligible Accounts to another person’s account at a different bank is called an “external transfer to a friend” which is an ancillary service that requires enrollment and acceptance of additional terms and conditions. External transfers to a friend are not available in all Channels of Digital Banking.

Types of Transfers Allowed. You can transfer funds from your Eligible Accounts (a) to your other Eligible Accounts or to another person's eligible account with us (“Transfers to a Friend”) (collectively “Internal Transfers”), or (b) to your Loan Accounts (“Internal Payments”). You may also be able to transfer funds from eligible loans or credit cards to your deposit accounts (“Internal Advances”). Not all types of transfers may be available in all Channels of Digital Banking. Details of your transfers will be available through Digital Banking and listed on your regular account statements. We have the right to establish, without prior notice, limitations on the amount or number of Internal Transfers. We may also without prior notice increase, decrease or remove such limitations at any time, and we are not obligated to enforce our limitations for any particular Internal Transfer. You may make Transfers to a Friend (consumers only) if you know the other person’s account number. Without our express consent, Transfers to a Friend may not exceed $1,000 in the aggregate on any single day (or $2,500 for customers of the California Bank & Trust Division). Be certain that you enter in the correct destination account information as Transfers to a Friend will not be recoverable after processing if you make any input errors. You may also make Internal Payments to Loan Accounts. These Internal Payments will be credited to the designated Loan Account as regular payments. Please refer to your Loan Account’s agreement(s) for information on how regular payments are applied. For some Loan Accounts you may be permitted to make principal-only payments. Which Loan Accounts will accept principal-only Internal Payments is subject to change from time to time without prior notice but will be reflected in the features available each time you log in to Digital Banking. Principal-only payments will not satisfy scheduled payment due requirements. Prior to making a payment to pay off a Loan Account, please contact your Division’s Customer Service to obtain the payoff amount. We cannot guarantee that estimated payoffs will satisfy the loan terms of the Loan Account. Note: transfers from your Eligible Accounts to another person’s account at a different bank is called an “external transfer to a friend” which is an ancillary service that requires enrollment and acceptance of additional terms and conditions. External transfers to a friend are not available in all Channels of Digital Banking.. 8.2

Types of Transfers Allowed. You Within the Transfer area of the Website, you can transfer funds from your Eligible Deposit Accounts (a) to your other Eligible Deposit Accounts or to another person's eligible account with us at Zions Bank (“Transfers to a Friend”) (collectively “Internal Transfers”), or (b) to your Loan Accounts (“Internal Payments”). You may also be able to transfer funds from eligible loans or credit cards to your deposit accounts (“Internal Advances”). Not all types of transfers You may be available in all Channels of Digital Banking. Details of your transfers will be available through Digital Banking and listed on your regular make Internal Transfers to another person's account statementsonly if you know the other person’s account number. We have the right to establish, without prior notice, limitations on the amount or number of Transfer to a Friend Internal Transfers. (For example, we may establish an aggregate limit of $1,000 on any single day). We may also without prior notice increase, decrease or remove such limitations that limitation at any time, and we are not obligated to enforce our limitations for any particular Internal Transfer. You may make Transfers Transfer to a Friend (consumers only) if you know Friend. These Internal Transfers are limited as to amounts: the aggregate amount of all Internal Transfers from a Deposit Account to other person’s account number. Without our express consent, Transfers to a Friend persons' accounts may not exceed $1,000 in the aggregate on any Zions Bank, a division of ZB, N.A. Member FDIC single day (or $2,500 for customers day. This type of the California Bank & Trust Division)Internal Transfer CANNOT be canceled once it has been submitted. Be certain that you enter in the correct destination account information as Transfers to a Friend will these transfers may not be recoverable after processing submission if you make any input errors. You may also make Internal Payments to Loan Accounts. These Internal Payments will be credited to the designated Loan Account as regular payments. Please refer to your Loan Account’s agreement(s) for information on how regular payments are applied. For some Loan Accounts you may be permitted to make principal-only principal‐only payments. (Which Loan Accounts will accept principal-only principal‐only Internal Payments is subject to change from time to time without prior notice but and will be reflected in the features available each time you log in to Digital Internet Banking. Principal-only .) Principal‐only payments will not satisfy scheduled payment due requirements. Prior to making a payment to pay off payoff a Loan Account, please contact your Division’s our Customer Service Center to obtain the payoff amount. We cannot guarantee that estimated payoffs will satisfy the loan terms of the Loan Account. Note: transfers from your Eligible Accounts to another person’s account at a different bank is called an “external transfer to a friend” which is an ancillary service that requires enrollment and acceptance of additional terms and conditions. External transfers to a friend are not available in all Channels of Digital Bankingterms.

Types of Transfers Allowed. You Within the Transfer area of the Service, you can transfer funds from your Eligible Accounts (a) to your other Eligible Accounts (“Personal Transfer”) or to another person's eligible account with us (“Transfers to a Friend”) (collectively both “Internal Transfers”), or (b) to your Loan Accounts (“Internal Payments”). You may also be able to transfer funds from eligible loans or credit cards to your deposit accounts (“Internal Advances”). Not all types of transfers You may be available in all Channels of Digital Banking. Details of your transfers will be available through Digital Banking and listed on your regular make Transfers to a Friend only if you know the other person’s account statementsnumber. We have the right to establish, without prior notice, limitations on the amount or number of Internal Transfers. We may also without prior notice increase, decrease or remove such limitations at any time, and we are not obligated to enforce our limitations for any particular Internal Transfer. You may make Transfers to a Friend (consumers only) if you know the other person’s account number. Without our express consent, Transfers to a Friend may not exceed $1,000 in the aggregate on any single day (or $2,500 for customers of the California Bank & Trust Division)day. Also, Transfers to a Friend CANNOT be canceled once they have been submitted. Be certain that you enter in the correct destination account information as Transfers to a Friend will not be recoverable after processing submission if you make any input errors. You may also make Internal Payments to Loan Accounts. These Internal Payments will be credited to the designated Loan Account as regular payments. Please refer to your Loan Account’s agreement(s) for information on how regular payments are applied. For some Loan Accounts you may be permitted to make principal-only payments. Which Loan Accounts will accept principal-only Internal Payments is subject to change from time to time without prior notice but and will be reflected in the features available each time you log in to Digital Bankingthe Service. Principal-only payments will not satisfy scheduled payment due requirements. Prior to making a payment to pay off a Loan Account, please contact your Division’s Customer Service to obtain the payoff amount. We cannot guarantee that estimated payoffs will satisfy the loan terms of the Loan Account. Note: transfers from your Eligible Accounts to another person’s account at a different bank is called an “external transfer to a friend” which is an ancillary service that requires enrollment and acceptance of additional terms and conditions. External transfers to a friend are not available in all Channels of Digital Banking.