TERMS AND CONDITIONS

By using Mobile Banking (also referred to herein as the “Service”), you agree to all the terms and conditions contained in this Agreement and Disclosure (the “Agreement”). This Agreement contains the terms that govern your use of the GlobaTrust Mobile application services. You may use this Service to access your GlobaTrust deposit accounts using a mobile device. By using Mobile Banking to access an account you are agreeing to the terms of this Agreement which supplements the terms and agreements of your Account(s) and Online Banking Terms and Conditions to which you have previously agreed.

Mobile Banking is inclusive of the terms and conditions of the Electronic Funds Transfer Disclosure including but not limited to transaction limits, transaction processing and system availability.

Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to view your GlobaTrust account balances and account history, pay bills, and transfer funds between your linked GlobaTrust accounts. SMS Text Banking allows you to view your GlobaTrust account balances and account history, and transfer funds between your linked GlobaTrust accounts.

MOBILE BANKING REQUIREMENTS & LIMITATIONS

1. You will not be able to access all functions/services that are accessible via Online Banking. Examples include, but are not limited to, electronic statement, check reordering, third party account transfer, PFM and account aggregation services.
   
2. Mobile users are responsible for any service charges from mobile carriers as a result of using this Service.
   
3. Mobile Banking may not be accessible or may have limited service over some network carriers.
   
4. Mobile Banking may also not be supported by all mobile devices. GlobaTrust cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of network” issues.

USE OF MOBILE BANKING SERVICE

We may modify the Service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use your mobile device and we will not be liable to you for any losses caused by your failure to properly use the Service or your mobile device.

OTHER MOBILE BANKING AGREEMENTS

You agree that, when you use Mobile Banking, you remain subject to the terms and conditions set forth in your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider). You also agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service provider is responsible for its products and services and you also agree to resolve any issues or problems with your provider directly with the provider without involving us. You agree to review your account disclosures carefully, as they may include transaction limitations and fees which may apply to your use of Mobile Banking.

EQUIPMENT AND SOFTWARE

GlobaTrust does not guarantee that your mobile device or mobile phone service provider will be compatible with Mobile Banking. In general, most models of iPhones, iPads, Android devices, and browser compatible cell phones are supported.

Mobile phones and other mobile devices with internet capabilities are susceptible to viruses. You are responsible to ensure that your mobile device is protected from and free of viruses, worms, Trojan horses, or other similar harmful components (collectively referred to as “viruses”) which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party. GlobaTrust will not be responsible or liable for any damages which may result from such viruses, including but not limited to indirect, incidental, special or consequential damages. GlobaTrust will also not be responsible if any non‐public personal information is accessed via Mobile Banking due to any viruses residing or being contracted by your mobile device at any time or from any source

GlobaTrust is not responsible for errors or delays or your inability to access the Service caused by your mobile device. We are not responsible for the cost of upgrading the mobile device to remain current with the Service. We are not responsible for any damage to the mobile device or the data within.

We make no representation that any content or use of Mobile Banking is available in locations outside the United States. Accessing Mobile Banking from locations outside the United States is at your own risk.

USER SECURITY

You agree to take every precaution to ensure the safety, security and integrity of your Account(s) and transactions when using Mobile Banking. You agree not to leave your mobile device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person.

Touch ID^® allows you to use your fingerprint to log in securely instead of entering your username and password on supported versions of iPhone^® . If you enable Touch ID^® within the GlobaTrust Mobile app, every person with an enrolled fingerprint on your enabled device will have access to your account. It is your responsibility to review the enrolled fingerprints to make sure that each person is authorized to access Mobile Banking or to delete any enrolled fingerprint of any person you do not want to have access to your account.

If you allow access to Mobile Banking to an unauthorized user, you will be responsible for any transaction they authorize and we will not be liable for any damages as a result. You agree not to use any personally identifiable information when creating shortcuts to your Account(s).

YOU are responsible for keeping any personal information in your mobile device secure. For your protection, you agree to contact GlobaTrust at 888.432.5890 if your mobile device is lost or stolen.

TERMINATION

GlobaTrust reserves the right to modify or terminate Mobile Banking, in whole or in part at any time with or without cause and without prior written notice as allowed by law. We also reserve the right to suspend the Service either temporarily or permanently in situations deemed appropriate in our sole and absolute discretion. Termination of the Service does not affect your obligations under this Agreement in respect to occurrences before termination.

MOBILE CHECK DEPOSIT USER AGREEMENT

This Mobile Check Deposit User Agreement ("Agreement") contains the terms and conditions for the use of GlobaTrust’s Mobile Check Deposit service that GlobaTrust ("GlobaTrust", "us," or "we") may provide to you ("you," or "User"). Other agreements you have entered into with GlobaTrust, including the Account Terms and Conditions and Online Banking Agreement, as applicable to your GlobaTrust account(s), are incorporated by reference and made a part of this Agreement.

1. 1. Service. The consumer remote deposit capture service ("Service") is designed to allow you to make deposits to your checking, savings, or money market savings accounts from home or other remote locations by scanning checks and delivering the images and associated deposit information to GlobaTrust or GlobaTrust’s designated processor.
      
   2. Acceptance of these Terms. Your use of the Service constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change via e-mail, text message, or on our website(s) by providing a link to the revised Agreement or by an online secure message. Further, GlobaTrust reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.
      
   3. Limitations of Service. When using the Service, you may experience technical or other difficulties. We will attempt to post alerts on our website or send you a text message to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. The Service has qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Service, in whole or in part, or your use of the Service, in whole or in part, immediately and at any time without prior notice to you.
      
   4. Hardware and Software. In order to use the Service, you must obtain and maintain, at your expense, compatible hardware and software as specified by GlobaTrust from time to time. See GlobaTrust for current hardware and software specifications. GlobaTrust is not responsible for any third party software you may need to use the Service. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.
      
   5. Fees. A fee may be charged for the Service. You are responsible for paying the fees for the use of the Service. Any fee that is charged will be disclosed prior to your deposit. GlobaTrust may change the fees for use of the Service at any time pursuant to the section titled "Acceptance of these Terms" above. You authorize GlobaTrust to deduct any such fees from any GlobaTrust account in your name. Fees will not be charged during any free trial period or other promotional campaigns.
      
   6. Eligible items. You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to GlobaTrust is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

• • • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
    • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
    • Checks payable jointly, unless deposited into an account in the name of all payees.
    • Checks previously converted to a substitute check, as defined in Reg. CC.
    • Checks drawn on a financial institution located outside the United States.
    • Checks that are remotely created checks, as defined in Reg. CC
    • Checks not payable in United States currency.
    • Checks dated more than 6 months prior to the date of deposit.
    • Checks or items prohibited by GlobaTrust’s current procedures relating to the Service or which are otherwise not acceptable under the terms of your GlobaTrust account.
    • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
    • Checks with any endorsement on the back other than that specified in this agreement.
    • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
    • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.

1. 7. Endorsements and Procedures. You agree to sign and restrictively endorse any item transmitted through the Service as "For mobile deposit only at GlobaTrust" and your account number or as otherwise instructed by GlobaTrust. You agree to follow any and all other procedures and instructions for use of the Service as GlobaTrust may establish from time to time.
      
   8. Receipt of Items. We reserve the right to reject any item transmitted through the Service, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from GlobaTrust that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time; any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.
      
   9. Availability of Funds. In general, if an image of an item you transmit through the Service is received and accepted before 7:00 p.m. Eastern Time on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using the Service will generally be made available within two business days from the day of deposit including on-us checks drawn on GlobaTrust. GlobaTrust may make such funds available sooner based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as GlobaTrust, in its sole discretion, deems relevant.
      
   10. Disposal of Transmitted Items. Upon your receipt of a confirmation from GlobaTrust that we have received an image that you have transmitted, you agree to retain the check for at least 14 calendar days from the date of the image transmission. Checks must be secured during this timeframe until they are destroyed. After 14 days, you agree to destroy the check that you transmitted as an image, mark it "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to promptly provide it to GlobaTrust upon request.
       
   11. Deposit Limits. We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current daily dollar limit is $2,500.00 per business day and the current monthly dollar limit is $25,000.00 per any 22 consecutive business day period. For accounts with a balance of $50,000 or greater, the current daily dollar limit is $10,000.00 per business day and the current monthly dollar limit is $75,000.00 per any 22 consecutive business day period. There is no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded.
       
   12. Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in GlobaTrust’s sole discretion subject to the Terms and Conditions governing your account.
       
   13. Errors. You agree to notify GlobaTrust of any suspected errors regarding items deposited through the Service right away, and in no event later than 30 days after the applicable GlobaTrust account statement is sent. Unless you notify GlobaTrust within 30 days, such statement regarding all deposits made through the Service shall be deemed correct, and you are prohibited from bringing a claim against GlobaTrust for any such alleged error.
       
   14. Errors in Transmission. By using the Service you accept the risk that an item may be intercepted or misdirected during transmission. GlobaTrust bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.
       
   15. Image Quality. The image of an item transmitted to GlobaTrust using the Service must be legible, as determined in the sole discretion of GlobaTrust. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by GlobaTrust, ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.
       
   16. User Warranties and Indemnification. You warrant to GlobaTrust that:
       - You will only transmit eligible items.
       - You will not transmit duplicate items.
       -You will not re-deposit or re-present the original item
       -All information you provide to GlobaTrust is accurate and true.
       -You will comply with this Agreement and all applicable rules, laws and regulations.
       - You are not aware of any factor which may impair the collectability of the item.
       - You agree to indemnify and hold harmless GlobaTrust from any loss for breach of this warranty provision.
       
   17. Cooperation with Investigations. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.
       
   18. Termination. We may terminate this Agreement at any time and for any reason. This Agreement shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use the Service for any unauthorized or illegal purposes or you use the Service in a manner inconsistent with the Terms and Conditions of your Account, Online Banking Agreement or any other agreement with us.
       
   19. Enforceability. We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law. This Agreement is governed and construed in accordance with the laws of the State of New York.
       
   20. Ownership & License. You agree that GlobaTrust retains all ownership and proprietary rights in the Service, associated content, technology, and website(s). Your use of the Service is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the 20. foregoing, you may not use the Service (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to GlobaTrust’s business interest, or (iii) to GlobaTrust’s actual or potential economic disadvantage in any aspect. You may use the Service only for non-business, personal use in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service.
       
   21. DISCLAIMER OF WARRANTIES. YOU AGREE YOUR USE OF THE SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICE OR TECHNOLOGY WILL BE CORRECTED.
       
   22. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF GlobaTrust HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.

Apple^® is a trademark of Apple, Inc. Android™ is a trademark of Google, Inc

Zelle Network Standard Terms

1. Description of Services

   1. We have partnered with the Zelle Network (“Zelle”) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle^® or enrolled with another financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile phone numbers (the “Service”). We will refer to financial institutions that have partnered with Zelle as “Network Banks.”
   2. Zelle provides no deposit account or other financial services. Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transmitted by a Network Bank.
   3. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

2. 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 is intended for personal, not business or commercial use. You agree that you will not use the 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 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 that you are using the Service for business or commercial purposes, or for any unlawful purpose.

3. Consent to Share Personal Information (Including Account Information)

   By enrolling in and using the Service, you agree that your personal and account information, including your account number, shall be shared with Zelle and participating financial institutions. We may disclose information about your Account or the funds you receive or send to third parties in order to complete transactions, investigate claims, comply with court orders, or as otherwise permitted under our Privacy Policy.

4. Privacy and Information Security

   We make security and the protection of your information a top priority. You can access our Privacy Policy at Privacy Policy, which is incorporated into and made a part of this Agreement by this reference

5. Wireless Operator Data

   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 Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, 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 Zelle’s Privacy Policy at https://www.zellepay.com/privacy-policy/ for how it treats your data

6. Enrolling for the Service

   1. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers). You may not enroll in the Service with a landline phone number, Google Voice number, or Voice over Internet Protocol.
   2. Once enrolled, you may:

      i. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and

      ii. receive money from another User either at that User’s initiation or at your request, subject to the conditions of the Section below titled “Requesting Money.”

   3. If at any time while you are enrolled, you do not send or receive money using the Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.

7. Consent to Emails and Automated Text Messages

   By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you 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 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 Services or related transfers between Network Banks and you. You agree that we 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.
   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 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.
   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, send STOP to 20736. For help or information regarding text messaging, send HELP to 20736 or contact our Solutions Center at 888.432.5890. You expressly consent to receipt of a text message to confirm your “STOP” request.
   6. Most major U.S. carriers are supported for the Service.

8. Receiving Money; Money Transfers by Network Banks

   Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the Service, you have no ability to stop the transfer. By using the Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled.

   Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e. email, push notification).

   If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment.

9. Sending Money; Debits by Network Banks

   You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this Agreement, and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your bank account. You understand that when you send the payment, you will have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Service. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.

   In most cases, when you are sending money to another User, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not enrolled as a User with Zelle, either in the Zelle mobile app or with a Network Bank, they will receive a text or email notification instructing them on how to enroll to receive the money. You understand and acknowledge that a person to whom you are sending money and who is not enrolling as a User may fail to enroll with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

   The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e. email, push notification).

   We have no control over the actions of other Users, other Network Banks or other financial institutions that could delay or prevent your money from being delivered to the intended User.

10. Liability

    Neither we nor Zelle shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service.

    THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE DOES NOT OFFER A PROTECTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

11. Send Limits

    There are limits on the amount of money you can send or receive through the Service. Your limits may be adjusted from time-to-time in our sole discretion. View information about individual Send Limits.

12. Requesting Money

    You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we nor Zelle accept responsibility if the other User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle may decide, in our sole discretion, that we will not send a reminder or repeat request to that User.

    By accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.

    You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

    We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

13. Transaction Errors

    Provisions for Transaction errors are set forth under Section 22 of the Online Banking Agreement.

14. Your Liability for Unauthorized Transfers

    Immediately following your discovery of an unauthorized transfer, you shall communicate with customer care for the Service by calling 888.432.5890. You acknowledge and agree that time is of the essence in such situations. If you tell us within two (2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may in our sole discretion extend the period.

15. Liability for Failure to Complete Transfers

    Except as otherwise provided herein, or in our Terms and Conditions and Online Banking Agreement, neither we nor Zelle shall have liability to you for any transfers of money under the Service, including, without limitation (i) any failure, through no fault of our own or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service.

    YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT OR OTHER DISPUTES THAT YOU MAY HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO, OR RECEIVE OR REQUEST MONEY FROM, USING THE SERVICE.

16. Fees

    There is no fee to use the Service. We may change the fees that apply to the Service and will give you reasonable notice of such change as required by law. If we process a transaction in accordance with your instructions that overdraws your Account with us, we may cover these transactions and will not charge you an overdraft or insufficient funds fee. Some restrictions may apply. We may charge interest for any such overdraft in accordance with our Terms and Conditions and Online Banking Agreement. We will not be liable for failure to pay any transfer request unless it is drawn against available funds in the designated Account.

17. Use of Our On-line Banking Site and/or Mobile App

    You agree to access this website and/or mobile app in compliance with our Terms and Conditions and Online Banking Agreement, which are available at https://www.Ancient Viewbnk.com and incorporated into and made part of this Agreement by this reference.

18. Service Termination, Cancellation, or Suspension

    You may cancel the service by contacting our Solutions Center at 888.432.5890. You agree that we may terminate or suspend your use of the Service at any time and for any reason or no reason. Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.

19. Disclaimer of Warranties

    EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. ZELLE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

20. Limitation of Liability

    EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK BANKS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF ZELLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR WITH THE TERMS OF THIS Agreement, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

    IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK BANKS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

21. Indemnification

    You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of the terms of this Agreement. [Participant must include the substance of Sections 19-21 to afford Zelle the protections provided in this document. Participants may determine the form and manner in which such protections are included/ presented.]

22. Governing Law; Choice of Law; Severability

    This Agreement is governed and construed in accordance with the laws of the State of New York.

23. Miscellaneous

    Subject to the terms of this Agreement, the Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Zelle’s control. Live customer service generally will be available Monday through Friday, excluding US bank holidays.

    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    Apple^® is a trademark of Apple, Inc. Android™ is a trademark of Google, Inc

Disclaimer Notice

Please read these terms and conditions carefully. By accessing this Web site and any pages within, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this Web site, or any pages within. GlobaTrust is a division of Flushing Bank.

Copyright © GlobaTrust. All Rights Reserved.

Copyright in the pages and in the screen displaying the pages of this Web site and in the information and the material contained within their arrangement, is owned by GlobaTrust unless otherwise indicated.

Trademarks

GlobaTrust and GlobaTrust.,com are registered trademarks. Flushing Bank may also claim trademark and service mark rights in other marks contained in the pages of this Web site.

Use of Information and Materials

This website has been prepared solely for the purpose of providing information about GlobaTrust and Flushing Bank and the products and services GlobaTrust offers. The information and materials contained in the pages of this website - and the terms, conditions and descriptions that appear - are subject to change. Your eligibility for particular products and services is subject to final GlobaTrust and Flushing Bank determination and acceptance.

No Warranty

The information and materials contained in this website, including text, graphics, links or other items - are provided “as is”, “as available”. This website has been prepared in good faith by GlobaTrust and Flushing Bank. Nonetheless, GlobaTrust and Flushing Bank do not warrant the accuracy, adequacy or completeness of this information and materials and expressly declaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials provided in this Web site.

Third Party Information

Hyperlinks to other Internet resources outside of our domain are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by GlobaTrust or Flushing Bank.

Limitation of Liability

In no event will GlobaTrust or Flushing Bank be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if GlobaTrust, Flushing Bank, or their representatives are advised of the possibility of such damages, losses or expenses.

Submissions

Except as posted in the Privacy Statement, all information submitted to GlobaTrust and Flushing Bank via this site shall be deemed and remain the property of GlobaTrust and Flushing Bank, and GlobaTrust and Flushing Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides GlobaTrust or Flushing Bank through this site. GlobaTrust and Flushing Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by GlobaTrust or Flushing Bank pursuant to direct customer relationships, as provided in the Privacy Statement or as otherwise specifically required by law.

Governing Law

Your access to and use of this website, and the terms set forth on this disclaimer page, are governed by the laws of the State of New York, to the extent not preempted by federal law.