Truist Online and Mobile Banking Service Agreement

1 Page 1 of 45 Rev. 10/09/2021 Truist Online and Mobile Banking Service Agreement Table of Content Introduction .. 4 Definitions .. 4 Security .. 5 (a) User ID and password .. 5 (b) Authentication .. 5 Bill Pay Service .. 5 (a) Terms and Conditions of the Bill Pay Service .. 6 (b) Bill Pay Service Definitions .. 6 (c) Bill Pay Service Guarantee .. 6 (d) Bill Payment Scheduling .. 7 (e) Expedited Payment .. 7 (f) Payment Authorization and Remittance .. 7 (g) Payment Methods and Amounts .. 8 (h) Payment Cancellation Requests .. 8 (i) Stop Payment Requests .. 8 (j) Prohibited Payments.

2 9 (k) Exception Payments .. 9 (l) Bill Delivery and Presentment .. 9 (m) Exclusions of Warranties for Bill Pay Service .. 11 (n) Service Fees .. 11 (o) Failed or Returned Transactions .. 11 (p) Alterations and Amendments .. 11 (q) Biller Limitations .. 11 (r) Returned Payments .. 11 (s) Information Authorization .. 12 (t) Credit Information .. 12 (u) Notices to You .. 12 (v) Text Messages, Calls and/or Emails to You .. 12 (w) Receipts and Transaction History .. 12 (x) Taxes .. 12 (y) Your Privacy and Privacy of Others .. 13 (z) Disclosure of Account Information to Third Parties .. 13 (aa) Bill Discovery.

3 13 (bb) Bill Pay Service Termination or Suspension .. 13 Page 2 of 45 Rev. 10/09/2021 (cc) Acceptable Use .. 13 Internal and External Funds Transfers .. 14 (a) Internal Transfers .. 14 (b) External Transfers .. 15 Liability and Resolution Procedures .. 17 (a) Contact in the Event of an Unauthorized Transfer .. 17 (b) Liability Provisions .. 17 (c) Error Resolution Notice .. 18 Send money with ZELLE .. 19 (a) Description of Zelle Services .. 19 (b) Eligibility and User Profile .. 19 (c) Consent to Share Personal Information (Including Account Information) .. 20 (d) Privacy and Information Security.

4 21 (e) Wireless Operator Data .. 21 (f) Enrolling in the Service .. 21 (g) Consent to Emails and Automated Text Messages .. 21 (h) Receiving Money; Money Transfers by Network Banks .. 22 (i) Sending Money; Debits by Network Banks .. 22 (j) Liability .. 22 (k) Send Limits .. 23 (l) Requesting Money .. 23 (m) Transaction Errors .. 23 (n) Your Liability for Unauthorized Transfers .. 24 (o) Liability for Failure to Complete Transfers .. 24 (p) Fees .. 24 (q) Use of Our Site .. 25 (r) Right to Terminate Access .. 25 (s) Disclaimer of Warranties .. 25 (t) Limitation of Liability .. 25 (u) Indemnification.

5 26 (v) Governing Law; Choice of Law; Severability .. 26 (w) Miscellaneous .. 26 Mobile Check Deposit .. 26 Truist Text Program Terms and Conditions .. 28 (a) Truist Text 28 (b) Disclaimer of Warranty and Limitation of Liability .. 30 (c) General .. 31 Download Services .. 32 (a) Transmission and Storage .. 32 (b) Additional Limitations of Liability .. 32 Additional Services .. 33 (a) Online Statement and Document Delivery Service .. 33 Page 3 of 45 Rev. 10/09/2021 (b) Check and Deposit Images .. 34 (c) Balance Inquiries .. 34 (d) Electronic Messaging .. 34 (e) Deals .. 34 (f) Planning & Aggregation 37 Disclaimer of Warranty; Exclusion of Damages.

6 38 (a) Disclaimer of Warranty .. 38 (b) Exclusion of Damages .. 38 Privacy and Security .. 39 (a) User Information .. 39 (b) Account Information .. 39 (c) Mobile Banking Security .. 39 Termination .. 40 Fees .. 40 General .. 40 (a) Entire Agreement .. 40 (b) Waivers .. 40 (c) Assignment .. 40 (d) Governing Law .. 41 (e) Compliance with Applicable Laws .. 41 (f) Amendments .. 41 (g) Severability .. 41 (h) Service Hours .. 41 (i) Business Days .. 41 (j) Service Notifications .. 41 (k) Confidentiality .. 41 (l) Access to Other Products and 41 (m) MUTUAL ARBITRATION Agreement .. 42 Page 4 of 45 Rev.

7 10/09/2021 Introduction This Agreement and Initial Disclosures (the Agreement ) governs the use of the Truist Online and Mobile Banking Service (the Service ). By subscribing to the Service or using the Service , you agree to the terms of this Agreement . Please read this Agreement carefully and in its entirety. We suggest you print a copy of this Agreement . You may use an electronic device to access the Service through or personal financial management software, which you must purchase from the software manufacturer or a retailer of your choice. Your use of the personal financial management software is governed by the software license agreements included with each software application.

8 You must agree to the terms and conditions of the software license agreements during the installation of the personal financial management software on your electronic device. You are responsible for the correct set-up and installation of the personal financial management software. We suggest you print a copy of the software license agreements included with the personal financial management software. Mobile Banking Licensing Terms for Users of Third-Party Software. If you access the Mobile Banking Service through software downloaded to or pre-loaded on your wireless device (software), you agree to the following licensing terms (terms): Truist and the third-party software providers reserve all rights to the copyrighted software not expressly granted herein.

9 You may use the software solely for accessing the Mobile Banking Service subject to the terms. You may not do any of the following to the software: (i) modify, revise or create any derivative works; (ii) decompile, reverse engineer or otherwise attempt to derive the source code; (iii) redistribute, sell, rent, lease, sublicense or otherwise transfer rights; or (iv) remove or alter any proprietary notices, legends, symbols or labels, including, but not limited to, any trademark, logo or copyright. Neither the software licensor nor the wireless network provider is responsible for any of the materials, information and financial products or services made available to you through the software.

10 You are solely responsible for your choice of equipment, wireless carriers, Internet or email Service providers, web browsers, voice/data plans, etc., and for resolving any issues concerning operation, performance, availability, costs, etc., relating to any of the foregoing with the appropriate provider. Definitions The following definitions apply to this Agreement : Account(s) refers to your eligible checking, savings, brokerage, investment advisory, individual retirement account, insurance policy or annuity contract, mutual fund, certificate of deposit, money market, loan, line of credit, credit card, prepaid card account or mortgage account you have with Truist and its affiliates, including Truist Investment Services.