Common use of Eligibility and User Profile Clause in Contracts

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. The Service allows you to send or receive money using your consumer account. We reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, that you are using the Service for other purposes, or if we believe you are using the Service in a manner that exposes PromiseOne Bank or Zelle to liability, reputational harm or brand damage, including but not limited to using the Service to request, send or receive money related to any of the following:  Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuities, or currencies;  Digital currencies such as bitcoins;  Terrorist funding;  Fraud, for example: o Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etc.; o Scams ‐ Recipient convinces a Sender to send money with Zelle by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment). We may determine other eligibility criteria in our sole discretion.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Service allows is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive money using payments in connection with your consumer accountbusiness or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, believe that you are using the Service for other business or commercial purposes, or if for any unlawfulpurpose. Content Standards: You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (f) in Zelle®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature. Although neither we believe you are nor Zelle® have any obligation to monitor any content, both we and Zelle® have absolute discretion to remove content at any time and for any reason without notice. We and Zelle® may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service in a manner Service, you may be exposed to content that exposes PromiseOne Bank is offensive, indecent, or Zelle to objectionable. We and Zelle® are not responsible for, and assume no liability, reputational harm or brand damagefor any content, including but not limited to using the Service to request, send any loss or receive money related damage to any of your content. We and Zelle® make no representation or warranty that Content uploaded to a User profile accurately identifies a particular User of the following:  Any activity Service. The Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle® tag.” You will be limited to one Zelle® tag per bank account, and each Zelle® tag must have one U.S. mobile phone number or email address associated with it. Your Zelle® tag must meet the Content Standards. You may not select a Zelle® tag that is illegal under federal misleads or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and deceives other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuitiesUsers of the Service as to your identity, or currencies;  Digital currencies such as bitcoins;  Terrorist funding;  Fraudotherwise. Although neither we nor Zelle® have any obligation to monitor User Zelle® tags, both we and Zelle® have absolute discretion to remove a User Zelle® tag at any time and for example: o Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etc.; o Scams ‐ Recipient convinces a Sender to send money with Zelle by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment)any reason without notice. We and Zelle® may determine other eligibility criteria require you to change your Zelle® tag in our sole discretion, and we may elect to make a Zelle® tag unavailable to you, without any liability to you. We and Zelle® may also monitor User Zelle® tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service, you may be exposed to a Zelle® tag that is offensive, indecent, or objectionable. We and Zelle® are not responsible for, and assume no liability, for any User Zelle® tags, including any loss or damage caused thereby. We and Zelle® make no representation or warranty that a User Zelle® tag accurately identifies a particular User of the Service. We respect the intellectual property of others and require that users of the Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish. Content on the Service that is subject to intellectual property rights claims.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. The Service allows you to send or receive money using your consumer account. We reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, that you are using the Service for other purposes, or if we believe you are using the Service in a manner that exposes PromiseOne Bank or Zelle to liability, reputational harm or brand damage, including but not limited to using the Service to request, send or receive money related to any of the following:  • Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods);  • Firearms, ammunition and other weapons;  • Sexual activities or materials;  • Pornography;  • Materials that promote intolerance, violence or hate;  • Ponzi schemes;  • Traveler's checks, money orders, equities, annuities, or currencies;  • Digital currencies such as bitcoins;  • Terrorist funding;  • Fraud, for example: o Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etc.; o Scams ‐ - Recipient convinces a Sender to send money with Zelle Xxxxx by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  • Money laundering  • Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment). We may determine other eligibility criteria in our sole discretion.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Service allows is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive money using payments in connection with your consumer accountbusiness or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, believe that you are using the Service for other business or commercial purposes, or if for any unlawful purpose. Content Standards: You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (f) in Zelle®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature. Although neither we believe you are nor Zelle® have any obligation to monitor any content, both we and Zelle® have absolute discretion to remove content at any time and for any reason without notice. We and Zelle® may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service in a manner Service, you may be exposed to content that exposes PromiseOne Bank is offensive, indecent, or Zelle to objectionable. We and Zelle® are not responsible for, and assume no liability, reputational harm or brand damagefor any content, including but not limited to using the Service to request, send any loss or receive money related damage to any of your content. We and Zelle® make no representation or warranty that Content uploaded to a User profile accurately identifies a particular User of the following:  Any activity that is illegal under federal Service. The Services remain in effect until they are terminated by you or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuitiesBank. You may cancel the Services at any time by notifying us of your intent to cancel by calling customer service at 000-000-0000.If you close your primary checking account, or currencies;  Digital currencies such as bitcoins;  Terrorist funding;  Fraudthere is no longer any eligible funding account linked to your Service, any unprocessed payments will be canceled. Upon your or our cancelation of your Services for example: o Unauthorized Payments that occur in instances of account takeoverany reason, lost/stolen debit cards you will have no further right or account informationaccess to use the Services, etc.; o Scams ‐ Recipient convinces a Sender and we will not access your accounts thereafter for any reason related to send money with Zelle by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment)Zelle®. We may determine other eligibility criteria reserve the right, subject to applicable law, to terminate your right to use the Service at any time and for any reason, including without limitation if we, in our sole judgment, believe you have engaged in conduct or activities that violate any of the Terms of this Agreement or the rights of Bank and/or our service provider, or if you provide us with false or misleading information or interfere with other users or the administration of the Service. We reserve the right to charge a fee for the use of the Service and any additional services or features that we may introduce. You understand and agree that you are responsible for paying all fees associated with the use of the Service. This Agreement is subject to change from time to time. We will notify you of any material change. We will provide you with advance notice of any changes to the terms of this Agreement when required to do so by applicable law. Your continued use of the Service after we provide you notice of changes will indicate your acceptance of the revised Agreement. We reserve the right to modify the terms and conditions herein, at any time, at our sole discretion, subject to any prior notice requirements as may be required by law.

Eligibility and User Profile. When you enroll to use the Zelle Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Service, you agree to the terms and conditions of this Zelle Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Zelle Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Zelle Service to request money from anyone for any such payments. Any use of the Zelle Service in any way related to or associated with criminal activity, violation of intellectual property rights, or the exploitation of any individual is prohibited. The Zelle Service is intended for personal, not business or commercial use. You agree that you will not use the Zelle Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Zelle Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Zelle Service if we believe that you are using the Zelle Service for business or commercial purposes, or for any unlawful purpose. Content Standards: You agree that you will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Zelle Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) in Zelle’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Zelle Service, or which may expose us, Zelle or our respective affiliates or customers to harm or liability of any nature. Although neither we nor Zelle have any obligation to monitor any Content, both we and Zelle have absolute discretion to remove Content at any time and for any reason without notice. We and Zelle may also monitor such Content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle Service, you may be exposed to Content that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any Content, including any loss or damage to any of your Content. We and Zelle make no representation or warranty that Content uploaded to a User profile accurately identifies a particular User of the Zelle Service. The Zelle Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle tag.” You will be limited to one Zelle tag per bank account, and each Zelle tag must have one U.S. mobile phone number or email address associated with it. Your Zelle tag must meet the Content Standards. You may not select a Zelle tag that misleads or deceives other Users of the Zelle Service as to your identity, or otherwise. Although neither we nor Zelle have any obligation to monitor User Zelle tags, both we and Zelle have absolute discretion to remove a User Zelle tag at any time and for any reason without notice. We and Zelle may require you to change your Zelle tag in our sole discretion, and we may elect to make a Zelle tag unavailable to you, without any liability to you. We and Zelle may also monitor User Zelle tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle Service, you may be exposed to a Zelle tag that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any User Zelle tags, including any loss or damage caused thereby. We and Zelle make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Zelle Service. We respect the intellectual property of others and require that users of the Zelle Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish Content on the Zelle Service that is subject to intellectual property rights claims. The Zelle Service allows you to send or receive money using your consumer deposit account. We reserve the right to suspend or terminate your use of the Zelle Service if we believe, in our sole discretion, believe that you are using the Zelle Service for other purposes, or if we believe you are using the Service in a manner that exposes PromiseOne Bank or Zelle to liability, reputational harm or brand damage, including but not limited to using the Service to request, send or receive money related to any of the following:  Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuities, or currencies;  Digital currencies such as bitcoins;  Terrorist funding;  Fraud, for example: o Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etcunlawful purpose.; o Scams ‐ Recipient convinces a Sender to send money with Zelle by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment). We may determine other eligibility criteria in our sole discretion.

Eligibility and User Profile. When you enroll to use the Zelle® Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle® Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Zelle® Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Zelle® Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Zelle® Service allows is intended for personal, not business or commercial use. You agree that you will not use the Zelle® Service to send or receive money using payments in connection with your consumer accountbusiness or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Zelle® Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Zelle® Service if we believe, in our sole discretion, believe that you are using the Zelle® Service for other business or commercial purposes, or if we believe for any unlawful purpose. You agree that you are using the Service in a manner that exposes PromiseOne Bank will not upload or Zelle to liabilityprovide content or otherwise post, reputational harm or brand damagetransmit, including but not limited to using the Service to request, send or receive money related to any of the following:  Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuitiesdistribute, or currenciesdisseminate through the Zelle® Service any material (“Content”) that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory;  Digital currencies such as bitcoins(b) encourages conduct that would be considered a criminal offense or gives rise to civil liability;  Terrorist funding;  Fraud, for example: o Unauthorized Payments that occur in instances (c) breaches or infringes any duty toward or rights of account takeover, lost/stolen debit cards or account information, etc.; o Scams ‐ Recipient convinces a Sender to send money with Zelle by (i). pretending to be or to represent another any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or (ii). offering to provide a goodany other harmful, servicedisruptive, or additional funds while intending to provide nothing destructive files; (e) advertises products or services competitive with Zelle® , as determined by Zelle® in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment). We may determine other eligibility criteria in our its sole discretion.; or

Eligibility and User Profile. When you enroll to use the Zelle Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle Service, you agree to the terms and conditions of this Zelle Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Zelle Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Zelle Service to request money from anyone for any such payments. Any use of the Zelle Service in any way related to or associated with criminal activity, violation of intellectual property rights, or the exploitation of any individual is prohibited. The Zelle Service is intended for personal, not business or commercial use. You agree that you will not use the Zelle Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Zelle Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Zelle Service if we believe that you are using the Zelle Service for business or commercial purposes, or for any unlawful purpose. Content Standards: You agree that you will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Zelle Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) in Zelle’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Zelle Service, or which may expose us, Zelle or our respective affiliates or customers to harm or liability of any nature. Although neither we nor Zelle have any obligation to monitor any Content, both we and Zelle have absolute discretion to remove Content at any time and for any reason without notice. We and Zelle may also monitor such Content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle Service, you may be exposed to Content that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any Content, including any loss or damage to any of your Content. We and Zelle make no representation or warranty that Content uploaded to a User profile accurately identifies a particular User of the Zelle Service. The Zelle Service may include functionality for you to add a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money, which will be your “Zelle tag.” You will be limited to one Zelle tag per bank account, and each Zelle tag must have one U.S. mobile phone number or email address associated with it. Your Zelle tag must meet the Content Standards. You may not select a Zelle tag that misleads or deceives other Users of the Zelle Service as to your identity, or otherwise. Although neither we nor Zelle have any obligation to monitor User Zelle tags, both we and Xxxxx have absolute discretion to remove a User Zelle tag at any time and for any reason without notice. We and Zelle may require you to change your Zelle tag in our sole discretion, and we may elect to make a Zelle tag unavailable to you, without any liability to you. We and Zelle may also monitor User Zelle tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle Service, you may be exposed to a Zelle tag that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any User Zelle tags, including any loss or damage caused thereby. We and Zelle make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Zelle Service. We respect the intellectual property of others and require that users of the Zelle Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish Content on the Zelle Service that is subject to intellectual property rights claims. The Zelle Service allows you to send or receive money using your consumer deposit account. We reserve the right to suspend or terminate your use of the Zelle Service if we believe, in our sole discretion, believe that you are using the Zelle Service for other purposes, or if we believe you are using the Service in a manner that exposes PromiseOne Bank or Zelle to liability, reputational harm or brand damage, including but not limited to using the Service to request, send or receive money related to any of the following:  Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuities, or currencies;  Digital currencies such as bitcoins;  Terrorist funding;  Fraud, for example: o Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account information, etcunlawful purpose.; o Scams ‐ Recipient convinces a Sender to send money with Zelle by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment). We may determine other eligibility criteria in our sole discretion.

Eligibility and User Profile. When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court‐ordered court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Service or share your credentials with a third party to use the Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. The Service allows is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive money using payments in connection with your consumer accountbusiness or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe, in our sole discretion, believe that you are using the Service for other business or commercial purposes, or if for any unlawful purpose. Content Standards: You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (f) in Zelle®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature. Although neither we believe you are nor Zelle® have any obligation to monitor any content, both we and Zelle® have absolute discretion to remove content at any time and for any reason without notice. We and Zelle® may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service in a manner Service, you may be exposed to content that exposes PromiseOne Bank is offensive, indecent, or Zelle to objectionable. We and Zelle® are not responsible for, and assume no liability, reputational harm or brand damagefor any content, including but not limited to using the Service to request, send any loss or receive money related damage to any of your content. We and Zelle® make no representation or warranty that Content uploaded to a User profile accurately identifies a particular User of the following:  Any activity that is illegal under federal Service. The Services remain in effect until they are terminated by you or applicable state law (e.g., drugs, gambling, counterfeit goods);  Firearms, ammunition and other weapons;  Sexual activities or materials;  Pornography;  Materials that promote intolerance, violence or hate;  Ponzi schemes;  Traveler's checks, money orders, equities, annuitiesBank. You may cancel the Services at any time by notifying us of your intent to cancel by calling customer service at 000-000-0000. If you close your primary checking account, or currencies;  Digital currencies such as bitcoins;  Terrorist funding;  Fraudthere is no longer any eligible funding account linked to your Service, any unprocessed payments will be canceled. Upon your or our cancellation of your Services for example: o Unauthorized Payments that occur in instances of account takeoverany reason, lost/stolen debit cards you will have no further right or account informationaccess to use the Services, etc.; o Scams ‐ Recipient convinces a Sender and we will not access your accounts thereafter for any reason related to send money with Zelle by (i). pretending to be or to represent another person or entity; or (ii). offering to provide a good, service, or additional funds while intending to provide nothing in return.  Money laundering  Use of the Zelle Payments Service in a manner for which it was not intended, or in a way that another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another customer with no intention of processing a Payment)Zelle®. We may determine other eligibility criteria reserve the right, subject to applicable law, to terminate your right to use the Service at any time and for any reason, including without limitation if we, in our sole judgment, believe you have engaged in conduct or activities that violate any of the Terms of this Agreement or the rights of Bank and/or our service provider, or if you provide us with false or misleading information or interfere with other users or the administration of the Service. We reserve the right to charge a fee for the use of the Service and any additional services or features that we may introduce. You understand and agree that you are responsible for paying all fees associated with the use of the Service. This Agreement is subject to change from time to time. We will notify you of any material change. We will provide you with advance notice of any changes to the terms of this Agreement when required to do so by applicable law. Your continued use of the Service after we provide you notice of changes will indicate your acceptance of the revised Agreement. We reserve the right to modify the terms and conditions herein, at any time, at our sole discretion, subject to any prior notice requirements as may be required by law.