Common use of Consent to Emails and Automated Text Messages Clause in Contracts

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that we, Zelle, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By enrolling for the Transfer Service, and/or participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Mobile Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable feesfees as message and data rates may apply ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) either surrendered by you, or (ii) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from usus for the Transfer Service, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. the number provided in section A “How to Contact Us/Loss of your Device and/or Security Codes” You expressly consent to receipt of a text message to confirm your “STOP” request. vi. ▪ Our Zelle notifications Supported Carriers are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, listed in Section A. “General Terms and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇Conditions.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.”

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag, and/or other alias you enrollhave enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag, and/or other alias to send or receive money using the Zelle® Payment Service as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service P2P Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle® may, or either of our respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : (i) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. (ii) You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, you or (ii) changed by you. ▪ . (iii) In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . (iv) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . (v) To cancel P2P Services text messaging from us, text send STOP to 20736767666. For help or information regarding P2P Services text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇767666. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- MobileYour phone service provider is not the provider of the Zelle® Payment Service. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and Sprintyou are responsible for any such charges. Check with In the event your individual carrier enrolled mobile device is lost or stolen, you agree to confirm availability. ▪ We or Zelle may use update your enrollment information on file with your wireless operator and make the appropriate changes to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the Zelle Service. By using the Zelle Serviceevent of theft or loss, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollregistered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enrollregister. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled registered is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service Customer Service at ▇.▇▇▇.▇▇▇.▇▇▇▇ the number or ▇.▇▇▇.▇▇▇.▇▇▇▇address provided in Part C above. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle Payment Service. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ You (a) you are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ You , (b) you will immediately notify us if any email address or mobile phone number you have enrolled is either, (i) surrendered by you, or (ii) changed by you. ▪ In , (c) in the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ Your , (d) your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle® , including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ To behalf (e) to cancel text messaging from us, text send STOP to 20736. For help or other information regarding text messaging, text send HELP to 20736 or contact our customer service Client Services at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or ▇/privacy▇▇-policy] for how it treats ▇▇▇-▇▇▇▇. You expressly consent to receive a text message to confirm your data"STOP" request, (f) Supported Carriers: Verizon, AT&T, T-Mobile, and others. Address and mobile phone number changes may be initiated: (x) at your request, in writing, (y) if we receive notice of change to your email address or mobile phone number from any Network Bank or any common carrier, or (z) if we receive information from any other party that the email address or mobile phone number in our records no longer is associated with you. We may continue to rely on any email address or telephone number that has been provided to us until you notify us in writing of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction. You understand and agree any emails or text messages sent through the Zelle® Service may not be encrypted and may include confidential information about you, such as the activity or status of your account. You agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a phone number, email address, or any other delivery location that is not your own or from your violation of applicable federal, state, or local laws, rules, regulations, or ordinances. Your obligations under this section shall survive termination of this Agreement. Transfer Service text messages are supported by many mobile carriers. Please review our Privacy Policy check with your individual mobile carrier to confirm availability In the event you ever withdraw this consent, and notwithstanding that withdrawal, you expressly authorize us to use any of the methods described above to send you messages confirming your instructions sent to us via text message, including a confirmation from us in the event you withdraw your consent. Your phone service provider is not the provider of the Zelle® or the Services. Users of the Service will receive text messages relating to their Transfer Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for more informationany such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described these Zelle and Other Payment Terms. You consent to our disclosure of your personal information (including bank account information) to Zelle, other Network Financial Institutions and other third parties as necessary to complete payment transactions in this Agreementaccordance with our customary processes and procedures. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Vendors at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our Affiliates and you further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient Receiver of such emails or automated text messages to send such emails or text messages to the recipientReceiver. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer . e. Your phone service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use provider is not the provider of the Zelle Serviceand Other Payment Services. By using Users of the Zelle ServicePayment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you authorize agree to update your wireless operator (AT&Tenrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, Sprintand that in the event of theft or loss, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇ or ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service Customer Service at ▇.▇▇▇.▇▇▇.▇▇▇▇ the number or ▇.▇▇▇.▇▇▇.▇▇▇▇address provided in Part C above. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag, and/or other alias to send or receive money as described these Zelle and Other Payment Terms. You consent to our disclosure of your personal information (including bank account information) to Zelle, other Network Financial Institutions and other third parties as necessary to complete payment transactions in this Agreementaccordance with our customary processes and procedures. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Vendors at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM (“ATDS”), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our Affiliates and you further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient Receiver of such emails or automated text messages to send such emails or text messages to the recipientReceiver. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our either Bank’s or Zelle’s agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message serviceservice (SMS). Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text STOP send “STOP” to 2073653608. For help or information regarding text messaging, text HELP send “ HELP” to 20736 53608 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this AgreementAddendum. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that we, Zelle, or either of our agents may may, use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇888-MIDFIRST.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. f. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service center at ▇.▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent If you cancel text messaging from us, in order to receipt support your use of the Service thereafter, you must provide us with a text message valid e-mail address that we may use for communications related to confirm your “STOP” request. ▪ Our Zelle notifications the Service. f. Supported Carriers include, but are supported by many carriersnot limited to, such as AT&T, T-Mobile, Sprint, and Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, ZelleZelle may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ • You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ • You will immediately notify us if any email address or mobile phone number you have enrolled in is (i) surrendered by you, or (ii) changed by you. ▪ • In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ • Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ • To cancel text messaging from us, text send STOP to 2073653608. For help or information regarding text messaging, text send HELP to 20736 53608 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.-▇▇▇▇ or ▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many • Supported Carriers: All mobile carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias that you enrollenrolled to use the Services, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of receiving emails or and text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Institutions or their agents regarding the Zelle Service Services or related transfers between Network Banks Institutions and you. You agree that we, Zelle, Zelle and/or our or either of our its respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number that you enrollenroll with the Services. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including including, without limitation limitation, fees for short message service. Please check your mobile service agreement for details or applicable fees. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . b. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf the Site to an email address or and/or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or and/or text messages to the recipient. You understand and agree that any emails or and/or text messages that we send or that ▇▇▇▇▇ sends on your behalf sent through the Site may include your name. ▪ , mobile phone number and/or email address. c. Your wireless carrier is not the provider of the Services and is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send sends on your behalf. ▪ . d. You understand that there are inherent risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised. e. To cancel text messaging from us, text send STOP to 20736729935. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇729935. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers include AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI Verizon and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇others.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag, and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Transfer Service or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : (a) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message serviceservice (SMS). Please check your mobile service agreement for details or applicable fees. ▪ . (b) You will immediately notify us if any email address or mobile phone number you have enrolled registered is (i1) surrendered by you, or (ii2) changed by you. ▪ . (c) In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . (d) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . (e) To cancel text messaging from us, text reply STOP to 20736any TTCU text message or send STOP to (918) 203- 8828. For help or information regarding text messaging, text HELP to 20736 or contact our customer service by email at ▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇.▇ or phone at (▇▇▇▇ or ▇.) ▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.315-735-8571or ▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇. f. Supported Carriers://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By enrolling for the Transfer Service, and/or participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Mobile Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) either surrendered by you, or (ii) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from usus for the Transfer Service, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. the number provided in section A “How to Contact Us/Loss of your Device and/or Security Codes” You expressly consent to receipt of a text message to confirm your “STOP” request. vi. ▪ Our Zelle notifications Supported Carriers are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, listed in Section A. “General Terms and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇Conditions.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.”

Consent to Emails and Automated Text Messages. The section entitled “Text Messages, Calls and/or Emails to You” of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact call our customer service Client Care Center team at ▇.▇▇▇.-▇▇▇.-▇▇▇▇ or ▇.▇▇-▇▇▇.-▇▇▇.▇▇▇▇▇ (outside the U.S.). You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that wewe may, ZelleZelle may, or either of our agents may may, use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from usus relating to your Eligible Transaction Accounts for the Zelle and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇Customer Service as set forth in Section V.A.2 (Contacting Us; Customer Service) below. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose Verizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By enrolling for the Transfer Service, and/or participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Mobile Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable feesfees as message and data rates may apply ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) either surrendered by you, or (ii) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from usus for the Transfer Service, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. the number provided in section A “How to Contact Us/Loss of your Device and/or Security Codes” You expressly consent to receipt of a text message to confirm your “STOP” request. vi. ▪ Our Zelle notifications Supported Carriers are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, listed in Section A. “General Terms and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇Conditions.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.”

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, address and/or mobile phone number, and/or other alias number you enrollregistered, or that you have the delegated legal authority to act on behalf of the owner of such email address, address and/or mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zellethe Zelle Network, and from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that wewe may, Zellethe Zelle Network may, or either of our agents may use automatic telephone dialing systems in connection with send automated text messages sent to any mobile phone number you enrollregister. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled registered is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or the Zelle Network or that we may send or the Zelle Network may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ the Zelle Network sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zellethe Zelle Network, including messages that you may send through us or through the Zelle Network or that we may send or the Zelle Network may send on your behalf. ▪ To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. a. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle Tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle Tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message servicesZelle Transfer Services, including without limitation for short message service. Please check your mobile service Zelle Transfer Service agreement for details or applicable fees. ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service Zelle Transfer Service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Zelle Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ • You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service online banking services agreement for details or applicable fees. ▪ • You will immediately notify us the Bank if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ • In the case of any messages that you may send through either us the Bank or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ • Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us the Bank or Zelle, including messages that you may send through us the Bank or through Zelle or that we may send or Zelle may send on your behalf. ▪ • To cancel text messaging from usthe Bank, text send STOP to 2073653608. For help or information regarding text messaging, text send HELP to 20736 53608 or contact our customer service at ▇.1-855- 660-5862 or ▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Terms of Use. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have youhave enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ yourname. d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇STOP”request.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag, and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text STOP to 20736. For or for help or information regarding text messaging, text HELP to 20736 or contact our customer service center at ▇.▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent If you cancel text messaging from us, in order to receipt support your use of the Service thereafter, you must provide us with a text message valid e-mail address that we may use for communications related to confirm your “STOP” request. ▪ Our Zelle notifications the Service. f. Supported Carriers include, but are supported by many carriersnot limited to, such as AT&T, T-Mobile, Sprint, and Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. ‌ By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Online Services Access Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇877.380.2265. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736729935. For help or information regarding text messaging, text send HELP to 20736 729935 or contact our customer service Customer Service at ▇.▇▇▇.▇▇▇.▇▇▇▇ the number or ▇.▇▇▇.▇▇▇.▇▇▇▇address provided in Part C above. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Terms of Use. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you numberyou have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent yourepresent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Terms of Use. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Terms of Use. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled haveenrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from orfrom us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text regardingtext messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer member service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇888.336.2700. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section T of the Digital Banking Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. a. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number and/or other alias to send or receive money as described in this Zelle Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle® may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. . b. You further acknowledge and agree: ▪ : I. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. II. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. III. ▪ In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. IV. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, ZelleZelle may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ You : ▇. ▇▇▇ are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. You are also responsible for the content of the memos you send using Zelle. Please check your mobile service agreement for details or applicable fees. ▇▇. ▪ You ▇▇▇ will immediately notify us if any email address or mobile phone number you have enrolled is (ia) surrendered by you, (b) inactivated or removed by your provider, or (iic) changed by you. ▪ In For your security, if we notice changes to your email or mobile number, or we are unable to deliver notifications, we may delete it and notify you. ▇▇▇. ▇▇ the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your namename and the memo that you sent. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▇. ▪ To ▇▇ cancel text messaging from us, text STOP to 20736855.470.7669. This will unenroll you from the Service. For help or information regarding text messaging, text HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or contact our customer service at 855.269.1122. ▇.▇. ▇▇▇.▇▇▇.▇ of ▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle ▇▇▇▇’▇ ▇▇▇▇▇ notifications are supported by many carriers, such as like AT&T, T-Mobile, Sprint, and Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. vii. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-T- Mobile, US Cellular, Verizon, or any other branded wireless operator) to use or disclose information related to your wireless subscriber account (such as your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other device and subscriber status and device detailsinformation) to Bank of Whittier or its service providers, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information which they may use for the duration of our your business relationshiprelationship with them, solely to verify your identity and help prevent fraud. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review For Bank of Whittier’s Privacy Policy, go to our Privacy Policy for more informationWeb site at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/pdf/Privacy_Notice.pdf.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollhave enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag, and/or other alias to send or receive money using the Zelle® Payment Service as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service P2P Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle® may, or either of our respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : (i) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. (ii) You will immediately notify us if any email address or mobile phone number that you have enrolled or that is used as a contact method for a Zelle® tag is (iA) surrendered by you, or (iiB) changed by you. ▪ . (iii) In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . (iv) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . (v) To cancel P2P Services text messaging from us, text send STOP to 20736767666. For help or information regarding P2P Services text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇767666. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- MobileYour phone service provider is not the provider of the Zelle® Payment Service. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and Sprintyou are responsible for any such charges. Check with In the event your individual carrier enrolled mobile device is lost or stolen, you agree to confirm availability. ▪ We or Zelle may use update your enrollment information on file with your wireless operator and make the appropriate changes to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the Zelle Service. By using the Zelle Serviceevent of theft or loss, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. (Text Messages, Calls and/or Emails to You) above does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 2073679680. For help or information regarding text messaging, text send HELP to 20736 79680 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇ or email ▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many . f. Supported Carriers: Surrey Bank & Trust’s Mobile Banking service supports most wireless carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreement. .. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇us . You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.-▇▇▇▇ or email ▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many . f. Surrey Bank & Trust's Mobile Banking service supports most wireless carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® Tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® Tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ , (iii) is otherwise no longer active, in service, or assigned to you, or iv) has been compromised in any way that might possibly enable an unauthorized person to gain access to the Service. c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” or “HELP” request. f. Most major carriers supported; some restrictions may apply. ▪ Our Zelle notifications are supported ability to provide the Service is dependent upon our ability to communicate with you by many carriersemail or text. If, such as AT&Tat any time, Verizon Wirelessyou no longer wish to consent to the use of text and/or email communications in connection with the Service, T- Mobile, and Sprint. Check with you must discontinue your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using Service in accordance with the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) section of this Agreement titled Right to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇Terminate Access.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Zelle Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ • You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service online banking services agreement for details or applicable fees. ▪ • You will immediately notify us the Bank if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ • In the case of any messages that you may send through either us the Bank or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ • Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us the Bank or Zelle, including messages that you may send through us the Bank or through Zelle or that we may send or Zelle may send on your behalf. ▪ • To cancel text messaging from usthe Bank, text send STOP to 2073653608. For help or information regarding text messaging, text send HELP to 20736 53608 or contact our customer service at ▇.1-855- 660-5862 or ▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service us at ▇.▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.-▇▇▇▇ or email ▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many . f. Surrey Bank & Trust's Mobile Banking service supports most wireless carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : .1. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message serviceservice (SMS). Please check your mobile service agreement for details or applicable fees. .2. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i1) surrendered by you, (2) inactivated or removed by your provider, or (ii3) changed by you. .3. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. .4. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. .5. ▪ To cancel text messaging from us, text send STOP to 2073679680. For help or information regarding text messaging, text send HELP to 20736 79680 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. .6. ▪ Our Zelle notifications are supported by many carriersAt our discretion and without any obligation to do so, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier from time to confirm availability. ▪ We time we or Zelle may use information on file with your wireless operator carrier to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator carrier to use or disclose information related to your wireless subscriber account (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose such as your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other device and subscriber status and device details, if available, information) to our third party Bank or its service provider providers solely to allow verification of verify your identity and help prevent fraud. In addition to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See privacy practices described in Article Article VII, see ▇▇▇▇▇’▇ Privacy Policy [located at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] policy for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ 888.4BAYFED or ▇.▇▇▇.▇▇▇.▇▇▇▇888.422.9333. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle® may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇800-233- 2328. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (Supported Carriers: AT&T, Sprint, T-Mobile, US Cellular, Verizon, or and others. f. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ • You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ • You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ • In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ • Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ • To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇▇▇@▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers• Supported Carriers AT & T, such as AT&TSprint, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇others.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages from us, from Zelle, from other Users that are sending you money or requesting money from youmessages, and calls made by an ATDS from other Network Banks us or their agents regarding the Zelle Service or related transfers between Network Banks our affiliates and youagents. You agree that we, Zelle, or either of Please review our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ Privacy Policy for more information. a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that we, Zelle, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ ƒ You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ ƒ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ ƒ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ ƒ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ ƒ To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” requestSTOrePqu”est. ▪ ƒ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ ƒ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Zelle’Psrivacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollhave enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag, and/or other alias to send or receive money using the Zelle Payment Service as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service P2P Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, ZelleZelle may, or either of our respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : (i) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. (ii) You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, you or (ii) changed by you. ▪ . (iii) In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . (iv) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . (v) To cancel P2P Services text messaging from us, text send STOP to 20736767666. For help or information regarding P2P Services text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇767666. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use Your phone service provider is not the provider of the Zelle Payment Service. By using Users of the Zelle ServicePayment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you authorize agree to update your wireless operator (AT&Tenrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, Sprintand that in the event of theft or loss, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated duly authorized legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Terms of Use. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message serviceservice (SMS). Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇877.580.0235. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, . f. Supported Carriers: please refer to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [mobile banking FAQs at ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/privacy/personal/services/mobile-policy] for how it treats your data. Please review our Privacy Policy for more information.banking.html

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from usCSB, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that weCSB may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us CSB if any email address or mobile phone number you have enrolled is is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us CSB or Zelle or that we CSB may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send CSB sends or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us CSB or Zelle, including messages that you may send through us CSB or through Zelle or that we CSB may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from usCSB, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you You represent that you You are the owner of the email address, mobile phone number, and/or other alias you enrollYou enrolled, or that you You have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement▇▇▇▇▇▇ Bank ▇▇▇▇▇ ▇▇▇▇▇▇▇▇. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you You money or requesting money from youYou, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service or related transfers between Network Banks Financial Institutions and youYou. You agree that weWe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you You enroll. You further acknowledge and agree: ▪ : 1. You are responsible for any fees or other charges that your Your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your Your mobile service agreement for details or applicable fees. 2. ▪ You will immediately notify us if any email address or mobile phone number you You have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by youYou, or (ii) changed by youYou. 3. ▪ In the case of any messages that you You may send through either us or Zelle or that we We may send or Zelle may send on your Your behalf to an email address or mobile phone number, you You represent that you You have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we We send or that ▇▇▇▇▇ sends on your Your behalf may include your Your name. 4. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you You may send through us or through Zelle or that we We may send or Zelle may send on your Your behalf. 5. ▪ To cancel text messaging from us, text STOP send “STOP” to 20736. For help or information regarding text messaginginformation, text HELP “HELP” to 20736 or contact our customer service Customer Support at ▇.▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “Your "STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ Your . d. Neither we nor your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇ or ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 18.c (Text Messages, Calls and/or Emails to You) does not apply to Zelle ® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle ® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from ZelleZelle ®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service ® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ▇▇▇▇▇ ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : (i) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . (ii) You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . (iii) In the case of any messages that you may send through either us or Zelle ® or that we may send or Zelle ® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ ® sends on your behalf may include your name. ▪ . (iv) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or ZelleZelle ®, including messages that you may send through us or through Zelle ® or that we may send or Zelle ® may send on your behalf. ▪ . (v) To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usfor the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.(▇▇▇.) ▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : 1. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees, as message and data rates may apply. 2. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. 3. ▪ In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. 4. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. 5. ▪ To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollregistered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enrollregister. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled registered is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text STOP to 2073653849. For help or information regarding text messaging, text HELP to 20736 53849 or contact our customer service at 800.432.1000 for consumer accounts and ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇for small business accounts. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers. f. Supported Carriers: AT&T, such as AT&TSprint, Boost, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, SprintU.S. Cellular, T-Mobile, US CellularCincinnati Bell, VerizonVirgin Mobile USA, or any other branded wireless operator) Cellular South, Centennial and Ntelos. g. Transfer instructions relating to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers external accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association (IMSI and IMEI"NACHA") and other subscriber status the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and device detailsyou and we agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, if available, any credit to our an account shall be provisional until such credit has been finally settled by us or the third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for institution which holds the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇account.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollhave enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money using the Zelle Payment Service as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service P2P Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, ZelleZelle may, or either of our respective agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : (i) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . (ii) You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, you or (ii) changed by you. ▪ . (iii) In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . (iv) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . (v) To cancel P2P Services text messaging from us, text send STOP to 20736729935. For help or information regarding P2P Services text messaging, text send HELP to 20736 729935 or contact our customer service call us at ▇.▇▇▇.▇▇▇.▇▇▇▇ the telephone number provided in the “Errors or ▇.▇▇▇.▇▇▇.▇▇▇▇Questions” section of this Agreement. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use Your phone service provider is not the provider of the Zelle Payment Service. By using Users of the Zelle ServicePayment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you authorize agree to update your wireless operator (AT&Tenrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, Sprintand that in the event of theft or loss, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthe Zelle® Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that we, Zelle®, or either of our agents may may, use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇888.MIDFIRST (888.643.3477).▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. f. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use the number provide in the section of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.Agreement titled ERRORS,

Consent to Emails and Automated Text Messages. By enrolling for the Transfer Service, and/or participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Mobile Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) either surrendered by you, or (ii) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from usus for the Transfer Service, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. the number provided in section A “How to Contact Us/ Loss of your Device and/or Security Codes” You expressly consent to receipt of a text message to confirm your “STOP” request. vi. ▪ Our Zelle notifications Supported Carriers are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, listed in Section A. “General Terms and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇Conditions.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.”

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this AgreementTerms of Service. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you your money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You Your further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 207361-(844)-428-8542. For help or information regarding text messaging, text send HELP to 20736 ▇-(▇▇▇)-▇▇▇-▇▇▇▇ or contact our customer service at ▇.-(▇▇▇.)-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms above does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® Payment Service, text send STOP to 20736767666. Your STOP request does not apply to any other text messaging you may receive from us. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 of the General Terms (Text Messages, Calls, and/or Emails to You) does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, ZelleZelle may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, you or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service Customer Service Center at ▇.▇▇▇.▇▇▇.▇▇▇▇ 808.544.0500 or toll- free at ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email e-mail address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email e-mail address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails e-mails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, ZelleZelle may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email e-mail address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email e-mail address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails e-mails or automated text messages to send such emails e-mails or text messages to the recipient. You understand and agree that any emails e-mails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from usmessaging, text reply STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service us at ▇.(▇▇▇.) ▇▇▇.-▇▇▇▇ or ▇.▇ (▇▇▇.) ▇▇▇.-▇▇▇▇▇ during Call Center hours. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (requests. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇855.527.4111. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇888- 493-7266. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees, as message and data rates may apply. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.713.627.4000 or ▇▇▇.▇▇▇.@▇▇▇▇ or ▇.▇▇▇▇▇▇▇▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ▇▇▇▇▇ may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇- ▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees, as message and data rates may apply. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ To cancel text messaging from us, text send STOP to 20736the number your received a text from. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇844-596- 1024. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages from us, from Zelle, from other Users that are sending you money or requesting money from youmessages, and calls made by an ATDS from other Network Banks us or their agents regarding the Zelle Service or related transfers between Network Banks our affiliates and youagents. You agree that we, Zelle, or either of Please review our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ Privacy Policy for more information. a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from usfor the Zelle and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇800-795-2325. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ▇▇▇▇▇ may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages from us, from Zelle, from other Users that are sending you money or requesting money from youmessages, and calls made by an ATDS from other Network Banks us or their agents regarding the Zelle Service or related transfers between Network Banks our affiliates and youagents. You agree that we, Zelle, or either of Please review our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ Privacy Policy for more information. a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. 800-687- 8144 You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages from us, from Zelle, from other Users that are sending you money or requesting money from youmessages, and calls made by an ATDS from other Network Banks us or their agents regarding the Zelle Service or related transfers between Network Banks our affiliates and youagents. You agree that we, Zelle, or either of Please review our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ Privacy Policy for more information. a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. a. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, number and/or other alias you enrollregistered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enrollregister. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message servicesZelle Transfer Services, including without limitation for short message service. Please check your mobile service Zelle Transfer Service agreement for details or applicable fees. ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled registered is (i) surrendered by you, or (ii) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service Zelle Transfer Service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that we, Zelle, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ sending a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T. f. Supported Carriers: ATCT, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You By using the Service, you consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks FIs or their agents regarding the Zelle Service Services or related transfers between Network Banks FIs and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 2073653608. For help or information regarding text messaging, text send HELP to 20736 53608 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications . f. Not all wireless carriers are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle tag and/or other alias to send or receive money as described in this Agreementthese Zelle and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇-▇▇▇.▇▇▇.-▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Services or related transfers between Network Banks and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service center at ▇.▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent If you cancel text messaging from us, in order to receipt support your use of the Service thereafter, you must provide us with a text message valid e-mail address that we may use for communications related to confirm your “STOP” request. ▪ Our Zelle notifications the Service. f. Supported Carriers include, but are supported by many carriersnot limited to, such as AT&T, T-Mobile, Sprint, and Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. Section 8 (Text Messages, Calls and/or Emails to You) of the General Terms does not apply to Zelle® Payment Services. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, Zelle® tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreementthese Zelle® and Other Payment Terms. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 20736767666. For help or information regarding text messaging, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇- ▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollregistered, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementthese Terms of Use. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks Participating Financial Institutions or their agents regarding the Zelle Service or related transfers between Network Banks Participating Financial Institutions and you. You agree that wewe may, Zelle, Zelle may or either any of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enrollregister. You further acknowledge and agree: ▪ : (a) You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including including, without limitation limitation, for short message service. Please check refer to your carrier's mobile service agreement for further details or applicable fees. ▪ . (b) You will immediately notify us if any email address or mobile phone number you have enrolled registered is (i) surrendered by you, or (ii) changed by you. ▪ . (c) In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . (d) Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to the receipt of a text message to confirm your “"STOP” " request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks Financial Institutions or their agents regarding the Zelle Service Zelle® and Other Payment Services or related transfers between Network Banks Financial Institutions and you. You agree that wewe may, Zelle, ® may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇888.307.5887. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages from us, from Zelle, from other Users that are sending you money or requesting money from youmessages, and calls made by an ATDS from other Network Banks us or their agents regarding the Zelle Service or related transfers between Network Banks our affiliates and youagents. You agree that we, Zelle, or either of Please review our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ Privacy Policy for more information. a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages from us, from Zelle, from other Users that are sending you money or requesting money from youmessages, and calls made by an ATDS from other Network Banks us or their agents regarding the Zelle Service or related transfers between Network Banks our affiliates and youagents. You agree that we, Zelle, or either of Please review our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ Privacy Policy for more information. a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from usfor the Zelle and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.-▇▇▇.-▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.-▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle and Other Payment Services. Users of the Zelle Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You By using the Service, you consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks FIs or their agents regarding the Zelle Service Services or related transfers between Network Banks FIs and you. You agree that wewe may, Zelle, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ . b. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪ . e. To cancel text messaging from us, text send STOP to 2073653608. For help or information regarding text messaging, text send HELP to 20736 53608 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇800-388-7000. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications . f. Not all wireless carriers are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as a Zelle User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that we, Zelle, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪  You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪  You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you. ▪  In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ sends on your behalf may include your name. ▪  Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf. ▪  To cancel text messaging from us, text STOP to 20736. For help or information regarding text messaging, text HELP to 20736 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪  Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪  We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. By participating as providing us with a Zelle Usertelephone number (including a wireless/cellular, mobile telephone number and/or email address), you represent consent to receiving calls from us and our Service Providers at that you are the owner of the email address, mobile phone numbernumber INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or other alias you enroll, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreementemails from us for our everyday business purposes (including identity verification). You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, acknowledge and from other Network Banks or their agents regarding the Zelle Service or related transfers between Network Banks and you. You agree that wesuch telephone calls include, Zellebut are not limited to, live telephone calls, prerecorded or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ artificial voice a. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees. ▪ , as message and data rates may apply. b. You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you. ▪ . c. In the case of any messages that you may send through either us or Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that ▇▇▇▇▇ Zelle® sends on your behalf may include your name. ▪ . d. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle Zelle® or that we may send or Zelle Zelle® may send on your behalf. ▪ . e. To cancel text messaging from usus for the Zelle® and Other Payment Services, text send STOP to 20736767666. For help or information regarding text messagingmessaging for the Zelle® and Other Payment Services, text send HELP to 20736 767666 or contact our customer service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇909.809.3838. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (. f. Supported Carriers: AT&T, Sprint, T-Mobile, US CellularVerizon and others. g. Your phone service provider is not the provider of the Zelle® and Other Payment Services. Users of the Zelle® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, Verizon, or and you are responsible for any other branded wireless operator) to disclose such charges. In the event your mobile number, name, address, email, network status, customer type, customer role, billing type, enrolled mobile device identifiers (IMSI is lost or stolen, you agree to update your enrollment information and IMEI) make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and other subscriber status and device detailsthat in the event of theft or loss, if available, to our third party service provider solely to allow verification of your identity and to compare confidential information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇could be compromised.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.

Consent to Emails and Automated Text Messages. a. By participating as a Zelle User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle Tag and/or other alias you enrollenrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number number, Zelle Tag, and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or and/or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Zelle Service Transfer Services, or related transfers between Network Banks and you. You agree that wewe may, ZelleZelle may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree: ▪ : i. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text text, or other message servicestransmitted by the Zelle Transfer Service, including including, without limitation limitation, for short message serviceservice (SMS). Please check your mobile service Zelle Transfer Service agreement for details or applicable fees. ii. ▪ You will immediately notify us if any email address or mobile phone number you have enrolled is (ia) surrendered by you, or (iib) changed by you. iii. ▪ In the case of any messages that you may send through either us or Zelle Zelle, or that we may send or Zelle may send on your behalf behalf, to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send send, or that ▇▇▇▇▇ sends on your behalf behalf, may include your name. iv. ▪ Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle Zelle, or that we may send or Zelle may send on your behalf. ▪ . v. To cancel text messaging from us, text send STOP to 20736. For help or information regarding text messaging, text send HELP to 20736 or contact our customer service Zelle Transfer Service at ▇.▇▇▇.▇▇▇.▇▇▇▇ or ▇.▇▇▇.▇▇▇.▇▇▇▇. You expressly consent to receipt of a text message to confirm your “STOP” request. ▪ Our Zelle notifications are supported by many carriers, such as AT&T, Verizon Wireless, T- Mobile, and Sprint. Check with your individual carrier to confirm availability. ▪ We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Service. By using the Zelle Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See ▇▇▇▇▇’▇ Privacy Policy [▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇/privacy-policy] for how it treats your data. Please review our Privacy Policy for more information.