Common use of Electronic Banking Clause in Contracts

Electronic Banking. We offer a number of electronic banking services for your accounts, as further described below. In addition to the information set forth below, we also provide certain separate disclosures that pertain to some accounts, and we have separate agreements that govern the terms of some services, including separate agreements and/or disclosures for ATM cards, debit cards, Online Banking, Business Link, Mobile Banking, and mobile wallet payments (i.e., Apple Pay and Android Pay). We may issue you an ATM card or a VISA™ debit card (a "card") and, in each case, a PIN, when you open an account. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled VISA Business Debit Card Disclosure. Before using your card, please review the corresponding agreement carefully. You may elect to enroll in our Online Banking services by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. Online banking is governed by separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Online Banking service. We also offer Mobile Banking. You must be enrolled in Online Banking to use our Mobile Banking services. To enroll in Mobile Banking, you may download our app from iTunes or Google Play stores. Mobile Banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Mobile Banking service. We also offer Business Link, which is a separate platform from Online Banking. To enroll in Business Link, please contact your South State business banker. Business Link is governed by the Business Link Agreements, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Business Link platform. We also offer banking services using text messaging services. You must be enrolled in Online Banking to use our text banking services. Text banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the text banking service. You are responsible for any fees charged by your cellular phone service provider in connection with your use of text banking services. We permit you to send or receive electronic transfers to or from your accounts. These transactions may take one of several forms, such as one-time ACH transactions or a scheduled, recurring payment or deposit from or to your account. We will ask that you sign an Electronic Funds Transfer form ("EFT Authorization") authorizing us make these payments from your account(s). The EFT Authorization supplements the terms of this Agreement and provides additional terms and limitations for electronic funds transfers using this service. Please refer to the Online Banking agreement for instructions regarding preauthorization in Mobile Banking.

Electronic Banking. We offer a number of electronic banking services for your accounts, as further described below. In addition to the information set forth below, we also provide certain separate disclosures that pertain to some accounts, and we have separate agreements that govern the terms of some services, including separate agreements and/or disclosures for ATM cards, debit cards, Online Banking, Business Link, Mobile Banking, and mobile wallet payments (i.e., Apple Pay and Android Pay). We may issue you an ATM card or a VISA™ debit card (a "“card"”) and, in each case, a PIN, when you open an account. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled VISA Business Debit Card Disclosure. Before using your card, please review the corresponding agreement carefully. You may elect to enroll in our Online Banking services by visiting ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. Online banking is governed by separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Online Banking service. We also offer Mobile Banking. You must be enrolled in Online Banking to use our Mobile Banking services. To enroll in Mobile Banking, you may download our app from iTunes or Google Play stores. Mobile Banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Mobile Banking service. We also offer Business Link, which is a separate platform from Online Banking. To enroll in Business Link, please contact your South State business banker. Business Link is governed by the Business Link Agreements, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Business Link platform. We also offer banking services using text messaging services. You must be enrolled in Online Banking to use our text banking services. Text banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the text banking service. You are responsible for any fees charged by your cellular phone service provider in connection with your use of text banking services. We permit you to send or receive electronic transfers to or from your accounts. These transactions may take one of several forms, such as one-time ACH transactions or a scheduled, recurring payment or deposit from or to your account. We will ask that you sign an Electronic Funds Transfer form ("“EFT Authorization"”) authorizing us make these payments from your account(s). The EFT Authorization supplements the terms of this Agreement and provides additional terms and limitations for electronic funds transfers using this service. Please refer to the Online Banking agreement for instructions regarding preauthorization in Mobile Banking.