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Digital Banking Terms and Conditions

CONSUMER DIGITAL BANKING AGREEMENT

INTRODUCTION AND AGREEMENT STRUCTURE

The use of the Digital Banking services (“Digital Banking”) requires that you read and agree to the terms and conditions of this Consumer Digital Banking Agreement (this “Digital Banking Agreement” or “Agreement”). This Agreement between you and Premier Bank (the “Bank,” “we,” “our,” or “us”) governs your use of Digital Banking services and all services provided through Digital Banking (together, the “Services”, which includes Mobile Banking Services except to the extent the context demands otherwise). These Services permit you to perform a number of banking functions through the use of a personal computer, mobile devices, and tablet devices on accounts linked to the Services, including some with our affiliates (your “Accounts”). When you use any of the Digital Banking Services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of this Agreement. If you do not agree to the terms and conditions in this Agreement, do not register for or use Digital Banking.

Certain Services are subject to and described in more detail in the following Schedules to this Agreement:

MOBILE BANKING SERVICE SCHEDULE

TRANSFERS BETWEEN YOUR PREMIER BANK ACCOUNTS SERVICE SCHEDULE

EXTERNAL TRANSFERS SERVICE SCHEDULE

ONLINE BILL PAY SERVICE SCHEDULE

E-STATEMENTS SERVICE SCHEDULE

STOP PAYMENT SERVICE SCHEDULE

MOBILE DEPOSIT SERVICE SCHEDULE

ZELLE® TRANSFERS SERVICE SCHEDULE

YOURCREDITSCORE SERVICE SCHEDULE

YOURMONEY SERVICE SCHEDULE

GENERAL TERMS AND CONDITIONS

  1. Relationship with Other Agreements. Your use of Digital Banking is governed by: (i) this Agreement, (ii) our Fee Schedule (available by calling us at 1-877-367-8178, visiting a branch, or sending a secure email using the Support Tab within Digital Banking), (iii) any user guides and instructions we provide you on using Digital Banking or any of the Services, (iv) all other agreements applicable to the deposit or loan Accounts you access through Digital Banking, without limitation including the Terms and Conditions of Your Account, (v) our Privacy Notice and our Digital Banking & Website Privacy Policy, (vi) any applicable overdraft protection agreement, (vii) the terms of use for particular Services and our website, and (viii) any other applicable loan or Account agreement as any of the foregoing may be amended from time to time (collectively, all agreements other than this Agreement are referred to as our “Other Agreements”).
  2. Minimum Hardware and Software Requirements to Use Digital Banking. To use Digital Banking, you need:
    1. A personal computer, mobile device, or tablet device, with a current operating system and telecommunications connections to the Internet capable of supporting the foregoing.
    2. The most current version of a supported and commonly used Internet browser, such as Internet Explorer, Apple Safari, or Google Chrome, to access www.yourpremierbank.com (the “Website”).
    3. A valid e-mail address on file with us, and e-mail capable of interfacing with standard e-mail protocols.
    4. Sufficient electronic storage capacity on your computer's hard drive or other data storage unit to retain information that we send to you.
    5. A printer that is capable of printing from your browser and e-mail.
    6. Adobe Acrobat Reader is required to view some electronic disclosures. To download a free copy, please go to https://get.adobe.com/reader/
    7. For your protection, all applicable security patches for your supported browser and operating system must be installed.
    8. For your protection, up-to-date anti-virus/anti-malware must be installed.
    We may update these requirements at any time in our sole discretion. You are solely responsible for having the required hardware and software and for securing an Internet service provider. You also are responsible for any and all fees relating to communications carriers (e.g., telephone, cable, DSL or satellite), software providers (other than software that we may provide you) and/or Internet service fees that may be assessed by your communications carrier and/or Internet service provider. You are solely responsible for use of your computers and other devices (including mobile devices) used to access the Services (each, a “Computer” and collectively, the “Computers”) and all errors, failures, or non-performance arising out of the Computers, including but not limited to, improper operation, malfunction, viruses, worms, malware, or other malicious programs. You agree that you will not send the Bank any viruses, worms, malware, or similar malicious programs or engage in any activity which may have a harmful effect on the Bank’s website, app, or the Services. You are responsible for maintaining and ensuring the security of all Computers, systems, networks, and Internet access used to access the Services.
  3. Access to Digital Banking.
    1. In addition to the hardware and software requirements above and having an Account with us, in order to use Digital Banking, you must have a User ID and password. In order to register for Digital Banking, you must have at least one Account with the Bank. When you login to Digital Banking for the first time, you will provide the information necessary to establish your access. You will then be prompted to choose a new username and a new password. We recommend that you change your password at least every thirty (30) days. Your User ID and password, and any applicable personal identification number (PIN), are referred to as your “Access Credentials.”
    2. For additional security, we may require you to enter a one-time password from time to time. If a one-time password is required, we will notify you and will send the one-time password to your phone number (either by voice message or SMS text message) or to your email address that you have on file. You will be required to enter the one-time password to proceed with your transaction. The Bank will have no obligation to complete any action or transaction until you have provided the one-time password. We require one-time passwords to enroll in Digital Banking, to change your username or password, and the first time you use a device to access Digital Banking or the Mobile App. We reserve the right to use one-time passwords for other actions or transactions at any time.
    3. If you suspect that an unauthorized person has access to your authentication information or believe your authentication information has been lost or stolen, or that someone may attempt to use the Service without your consent or has transferred funds without your permission, you must notify the Bank immediately.
    4. Your session time is unlimited, but to help prevent unauthorized access and ensure the security of your Accounts, we will end your online session if we have detected no activity for a specified period of time. This is to protect you in case you accidentally leave your computer unattended after you login. When you return to your computer, you will be prompted to re-enter your authentication information and your session will continue.
    5. Digital Banking is not necessarily available everywhere, and may not be available to non-residents or non-citizens of the United States.
  4. Security Procedures.
    1. Your Role in Preventing Misuse. You understand the importance of your role in preventing misuse of your Accounts through Digital Banking and you agree to promptly examine your periodic paper and/or electronic statement for each of your Accounts as soon as you receive it. This obligation is in addition to any obligations you have in your agreements related to your Account or Other Agreements to promptly review your statements and report errors.
    2. Security Tools. Your Access Credentials are the principal security measures taken to protect access to your Accounts. The Services also require you to complete multi-factor authentication steps with one-time passcodes or supplying other identifying information from time to time. We may implement additional security tools from time to time.
    3. Confidentiality of Information. You agree to protect the confidentiality of your Account and Account number, your user ID and password, your PIN, and your personal identification information, such as your driver’s license number and social security number. You understand that personal identification information by itself or together with information related to your Account, may allow unauthorized access to your Account. You acknowledge that no person from the Bank will ever ask for your password and that our employees do not need and should not ask for your password. You agree never to provide your password to anyone claiming to represent us.
    4. Notwithstanding our efforts to insure that the system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Digital Banking or the Mobile App, or e-mail transmitted to and from us, will not be monitored and read by others. Any access or use of Digital Banking from locations outside of the United States may increase the risk of compromising your Access Credentials.
    5. You acknowledge that you have been provided with a disclosure of the security procedures described above and throughout this Agreement that will be used to authenticate transactions through Digital Banking. You agree that these procedures are commercially reasonable security measures and that we may rely upon any instructions we receive upon authentication using these agreed upon security procedures.
  5. Authorized Use. You authorize us to follow the instructions we receive through the Digital Banking Services and Mobile Banking Service relating to your Accounts and to charge and credit your Accounts according to those instructions. If you give your Access Credentials or make them available to another person, you authorize that person to access your Accounts through Digital Banking and to give the Bank instructions relating to your Accounts as an authorized user. You also authorize us to comply with those instructions even if that person exceeds your authorization. The Bank has no responsibility for establishing the identity of any person who uses any of your Access Credentials. You agree that you are liable for any instruction received by the Bank using your Access Credentials. You hereby release Premier Bank from any liability and agree not to make any claim or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your secure login profile to such person, or, in the case of a jointly held account, such person is one of the owners of the account. Each joint owner should enroll separately in Digital Banking and obtain their own Access Credentials rather than share one individual’s Access Credentials. A person who has been furnished your or their own Access Credentials is considered an authorized user until you contact the Bank, verify your identity and have your secure login profile reset or their Access Credentials removed. You agree to indemnify Premier Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions. Except to the extent prohibited by applicable law or regulation, you will be deemed to have expressly authorized any Digital Banking transaction facilitated through the Website or the Mobile App:
    1. Initiated by you, at your direction, with your Access Credentials, or with your consent (express or implied);
    2. Initiated by your agent or authorized representative with respect to any Account which you may have access through Digital Banking;
    3. Initiated by a member of your household, whether or not related to you;
    4. Initiated by any person (or that person’s agent) who is the owner or co-owner of any Account which you may access through Digital Banking;
    5. Which results in the transfer of funds between Accounts you may access through Digital Banking, even if subsequent transfers out of the Accounts benefit someone else;
    6. Which is to or for your benefit (for example, the payment of a debt for which you are partially or fully liable); or
    7. Which you contend is unauthorized, unless you cooperate fully with us in our investigation of the transaction, assign to us your right of recovery against the wrongdoer if we reconstitute your Account, and cooperate fully with us in the recovery of any loss we sustain and the prosecution of any wrongdoer.
    Any person initiating the foregoing transactions will be deemed an authorized user except to the extent prohibited by applicable law or regulation.
  6. Digital Banking Services Generally. You may use Digital Banking to:
    1. View current balance information for your Account(s);
    2. Review available transactions for your Account(s);
    3. Perform account maintenance such as ordering checks, changing your electronic statement enrollment status, changing email, address, or phone number, and changing your Digital Banking ID and password (account maintenance activities may require additional security procedures);
    4. Set up Alerts, as defined below, which may be provided through mobile banking, text message, or email;
    5. Manage your debit card;
    6. Generate reports showing your Account information;
    7. Request stop payments on checks;
    8. Transfer funds between your Premier Bank Account(s) on either a one-time or recurring basis;
    9. Transfer funds outside of the Bank;
    10. Pay bills online;
    11. View Account statements;
    12. Use the "Locate Us” button to find branch and ATM locations;
    13. Conduct mobile banking through the Mobile App;
    14. Access mobile remote deposit capture; and
    15. Send us secure online mail messages and questions.
  7. Viewing Account Information. Subject to any restrictions we may impose from time to time, you may access any of your Account(s) at the Bank through Digital Banking. All Accounts on which you are an authorized signer or borrower may be linked. If you have a line of credit, you agree that the available portion of a line of credit may be accessed through Digital Banking. By using Digital Banking, you can get Account information conveniently and immediately on your Account. Balance information shown for your deposit Accounts is the “Available Balance.” The Available Balance is the actual balance, and less any holds and certain debits plus credits which have been authorized, but not yet settled, since the close of the previous banking day, for example, debit card purchases, ATM deposits and withdrawals, cash deposits and withdrawals, wire transfers, Digital Banking transfers, ACH transactions, and other pending activity. The Available Balance may differ from your actual balance as the Available Balance may include transactions that are still subject to verification while as your actual balance may not reflect transactions that are in progress, debit card authorizations that have not posted, outstanding checks, or other withdrawals, payments, or charges.
  8. Alerts Service. You may set up Alerts by logging into your Digital Banking profile either online or through the Mobile App or by requesting that your banker set up Alerts. Account alerts (the “Alerts Service”) allows you to receive communications (collectively, “Alerts”, individually, an "Alert") from time to time concerning available account information and other matters relating to your account(s). You may receive Alerts via SMS text message through a SMS-enabled mobile device (“SMS Alert”), a mobile-push alert sent through the Mobile App, or by email. By signing up for Alerts, you agree to receive Alerts regarding your account (and any sub-account) through the Alerts Service and you acknowledge that you are aware of and agree to abide by the terms and conditions applicable to the Alerts Service. Please be certain to review terms and conditions specific to SMS Alerts below.
    1. Alert Options. To sign up for the Alerts Service, you will need to register online through Digital Banking and select the types of Alerts you would like to receive. For each of the listed Alerts, you will be required to select the Account for which you would like to receive the Alerts and choose whether Alerts will be sent by email, SMS or push notification, or any combination of the three. You may also select the timing for Alerts. Premier Bank reserves the right to change or remove any and all Alerts associated with the Alerts Service. Premier Bank shall have no liability for failure to provide an Alert or for removing such Alert.
    2. Additional Default General Alerts. In addition to the Alerts set forth above, certain default Alerts are provided for purposes of account security and are triggered by events such as changes to your personal information or certain transfer-related activity. Premier Bank reserves the right to change or remove any and all Alerts associated with the Alerts Service. Premier Bank shall have no liability for failure to provide an Alert or for removing such Alert.
    3. Unavailability of Services. You acknowledge and agree that your receipt of any Alert may be delayed or prevented by factor(s) outside of our control, including factors affecting your wireless service provider and coverage in your area. We do not guarantee the delivery, timeliness, or accuracy of the contents of each Alert. The Service is subject to transmission limitations and service interruptions. You will promptly notify us by calling 1-877-367-8178 if you are unable, for any reason to receive SMS Alerts. You agree to indemnify, defend, and hold harmless Premier Bank and its directors, officers, employees, third party service providers, and agents free and harmless from any and all losses or damages, including attorneys’ fees, lost profits, and indirect or special damages, including, but not limited to, those relating to bank secrecy or financial privacy laws or regulations, that may arise, directly or indirectly, in whole or in part, from a non-delivery, delayed delivery, or the misdirected delivery of an Alert; inaccurate or incomplete content in an Alert; your reliance on or use of the information provided in an Alert for any purpose; or any third party, whether authorized or not, obtaining information regarding your account disclosed in the Alerts.
    4. Non-Reliance. Alerts do not constitute records for the Account to which they pertain, rather, they will reference account records available through the Mobile App. We do not assume any additional responsibility or obligation under these terms and conditions with respect to the use of, or any transaction or eventuality involving, your account. The Alerts Service does not free you from the responsibility of safeguarding the physical security and authorized use of your account. We reserve the right to suspend, terminate, and/or modify the Alerts Service without liability at any time without prior notice to you. When we send you an Alert, it will be treated as available and received when it is posted to your account and transmitted to the current phone number, mobile device, or email address on file for your account.
    5. Deactivation. We may deactivate the sending of Alerts to you if your Account is not used for a purchase, ATM transaction, deposit or transfer for a period of ninety (90) days. If Alerts are deactivated for your Account and you resume use of your Account and wish to restore Alerts, you will be required to re-enroll your Account in the Alerts Service to restore Alerts.
    6. SMS Alerts. The Alerts Service allows you to receive SMS Alerts. We send SMS Alerts to you based upon the instructions you provide to us, including the mobile number you provide to us during account sign-up. You hereby acknowledge and accept that each SMS Alert may be sent to you without being encrypted and may include your name and information pertaining to your Account. Information, such as your account balance, may be included. If anyone accesses your mobile device, they may be able to view the contents of these Alerts. You are solely responsible for restricting access to your mobile device and maintaining the confidentiality of any information displayed through a SMS Alert. For help regarding SMS Alerts, access "HELP" in the Mobile App or contact us using the "CONTACT US" link in the Mobile App. You can also text the word “HELP” to 1-877-367-8178. By opening an account and receiving SMS Alerts, you are consenting to receive SMS Alerts and other messages delivered via text message to your mobile device. Message and data rates may apply to your use of SMS Alerts. See your wireless provider for pricing plan details. If you wish to stop receiving text messages, you can un-enroll in SMS Alerts by texting “SUSPEND” or “STOP” to 1-877-367-8178. We will not be liable for any damages or losses once you un-enroll from SMS Alerts.
    7. Responsibility. It is your responsibility to: (i) ensure the security of your mobile device; (ii) determine if your wireless provider supports SMS; and (iii) ensure your mobile device is capable of receiving SMS Alerts. You are solely responsible for any fees imposed of any kind whatsoever by your wireless service provider in connection with SMS Alerts.
  9. Fees and Monthly Service Charge. There are no fees for accessing information about your Accounts or paying bills through the Digital Banking Service or Mobile Banking Service. We are not responsible for any fees that may be billed to you by your Internet service provider. All fees associated with your account are set forth in the Fees Disclosure. You should note that depending on how you use Digital Banking, you might incur charges for
    1. Normal account fees and service charges;
    2. Any Internet provider fees; and
    3. An NSF-fee returned item, overdraft or similar fee may apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled, or in the case of a personal check, on the date when the check is presented to us for payment.
  10. Transaction Limitations. We reserve the right to limit the frequency and dollar amount of transfers and payments for security reasons. We may permit you to exceed these limits from time to time at our sole discretion. Payments and transfers may only be made to and from Accounts in the United States, and only in U.S. Dollars. We also may deny or limit transactions for security reasons. We may refuse to permit a Digital Banking Service or Mobile Banking Service transaction at any time and without prior notice if we believe it may violate applicable law.
  11. Accuracy of Information. We assume no responsibility for the accuracy or timeliness of information provided by, or retrieved from, other institutions or other parties to your transactions. You agree to provide us with prior written notice of any changes in your designated Accounts with payees and other institutions that would affect our right or ability to process Service transfers or payments. If a transfer or payment instruction identifies a Payee or a financial institution by name and account or other identifying number, we and other financial institutions may process the transaction solely on the basis of the number, even if it identifies a different person or entity from what is indicated in the instruction. We have no obligation to identify and investigate discrepancies between names and numbers.
  12. Other Links. The Website, Digital Banking, and the Mobile App may contain links to third party websites and services, over which the Bank has no control. You acknowledge and agree that the Bank does not endorse, verify, or make any representations regarding these third-party websites and services and is not responsible for the availability of, and any liability arising from, any such third party websites and services. The Bank is not liable to you or any other party for any loss or damage which may be incurred by you as a result of these third-party websites and services.
  13. Availability of Services. Digital Banking is generally available 365 days a year and 24 hours a day, except during system maintenance and upgrades. When this occurs, we will display a message on the website when you sign on to Digital Banking or the Mobile App. Bankers are available to assist over telephone Monday through Friday 8:00 a.m. to 6:00 p.m. Eastern Time or Saturdays 8:00 a.m. to 12:00 p.m. Eastern Time, excluding bank holidays.
    We may on a regular basis perform maintenance on our equipment or system, which may result in interrupted service or errors in Digital Banking. We also may need to change the scope of our Services from time to time. We will attempt to provide prior notice of such interruptions and changes but cannot guarantee that such notice will be provided. We make no representation that Services will be uninterrupted or error free. Our sole obligation to you arising out of (i) the non-availability of Digital Banking, or (ii) an interruption or delay in providing Digital Banking shall be to use commercially reasonable efforts to resume such Services. The foregoing shall constitute our entire liability and your exclusive remedy. In no event shall the Bank or any of our respective officers, directors, employees, agents or subcontractors be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits (even if we are advised of the possibility thereof) arising in any way out of the installation, use, or maintenance of any computer equipment or Digital Banking. However, nothing in this section is intended to limit any rights you may have under federal law or otherwise provided in this Agreement.
    The Bank will not be responsible for any delay, failure in performance or interruption of service, resulting directly or indirectly from acts of God, acts of civil or military authorities, civil disturbances, terrorism, wars, strikes or other labor disputes, fires, transportation contingencies, interruptions in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophes or any other occurrences which are beyond the Bank’s reasonable control.
    We may terminate your Digital Banking or any Service provided via Digital Banking at any time without prior notice and with or without cause. If more than one person can access an Account through Digital Banking, we reserve the absolute right to terminate all Digital Banking access to the Account upon the request of the Account owner, any Account co-owner, or any other person authorized to access the Account.
  14. Suspension of Service. The Bank reserves the right, without notice and at its sole discretion, to suspend or terminate your ability to access or use of the Website, Digital Banking, or the Mobile App, and to block or prevent future access to and use of the Website, Digital Banking, or the Mobile App for any reason. The Bank may, in its sole discretion, terminate, change, modify, suspend, make improvements to or discontinue any or all aspects of the Service, temporarily or permanently, at any time with or without notice to you. You agree that the Bank shall not be liable to you or to any third party for any such modification, suspension or discontinuance.
  15. Disclosure of Account Information. We may share your information, please see our Digital Banking and Website Privacy Policy and Privacy Notice. You acknowledge that in connection with your use of Digital Banking Services, the Bank and its affiliates and service providers may receive and may share with one another User Information. "User Information" means names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with the Service. The Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver the Service and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Bank and its affiliates and service providers also reserve the right to monitor use of the Services for purposes of verifying compliance with the law, this Agreement, and any applicable software license, but disclaim any obligation to monitor, filter, or edit any content
  16. How to Contact the Bank in Case of Errors or Questions About Your Transactions. You should telephone or write to us as soon as possible if you think your statement is wrong or if you need more information about a transfer listed on a statement.
    Call us at: 1-877-367-8178 Write to us at: Premier Bank, PO Box 248 Defiance, OH 43512 Online: Sign on to the Service with your username and password and use the appropriate form.
    In addition to the obligations in Other Agreements governing failure to report unauthorized and fraudulent transactions, the failure by you to promptly report any such errors or issues within a reasonable time, which in no event shall exceed sixty (60) days after we sent the first statement upon which the problem or error appeared, shall preclude you from asserting against us any claims from the error or losses caused by the error.
  17. Email. Conventional email is not a secure method of communication over the Internet and we recommend that you NOT send confidential or sensitive information to us by conventional email. If you need to contact us immediately, please visit a branch, call us at 1-877-367-8178, or send a secure email using the Support Tab within the Digital Banking Service.
  18. Electronic Disclosures and Communications. Your consent to electronic disclosures and communications is governed by the E-Statement Services Schedule and your elections concerning the receipt of electronic communications.
  19. Reporting Unauthorized Transactions. If you believe that an unauthorized transaction has occurred on your Account, you should contact the Bank immediately at 1-877-367-8178, by visiting one of our locations, or by signing on to the Service with your username and password and submitting the appropriate form.
  20. Electronic Funds Transfer Provisions for Consumer Accounts (see Section 21 for Business Accounts).
    1. Applicability. These provisions are only applicable to online electronic fund transfers that credit or debit a consumer's checking, savings or other asset account used primarily for personal, family or household purposes. When applicable, the Bank may rely on any exceptions to these provisions that are contained in Regulation E. All terms that are not defined in this Agreement but which are defined in Regulation E shall have the same meaning when used in this section.
    2. Your Liability. The following determines your liability for any unauthorized EFT or any series of related unauthorized EFTs:
      1. Generally, tell us AT ONCE if you believe your Access Credentials, card, and/or code has been lost or stolen, or if you believe an electronic funds transfer has been made without your permission using information from your check. Telephoning the Bank is the best way of keeping your possible losses down. If you notify the Bank within two (2) business days after your Access Credentials, card, and/or code has been lost or stolen, your liability will not exceed $50.00.
      2. If you fail to notify the Bank within two (2) business days after your Access Credentials, card, and/or code was lost or stolen, and we can prove we could have stopped someone from using your Access Credentials, card, and/or code without your permission if you had told us, your liability will not exceed $500.00.
      3. You must report immediately an unauthorized EFT that appears on your periodic statement, no later than sixty (60) days from transmittal of the statement to avoid liability for subsequent transfers. If you fail to provide this notice within the 60 days, your liability will not exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to the institution. You may also be liable for the amounts as described in Sections (i) and (ii) above.
      4. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
      5. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer to investigate your complaint or question) to investigate the error. If we decide to do this, we will credit your Account within ten (10) business days (twenty (20) business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Account. Your Account is considered a new account for the first thirty (30) days after the first deposit is made, unless each of you already has an established account with us before this account was opened.
      6. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
      7. You may ask for copies of the documents that we used in our investigation.
      8. You may notify the Bank by telephone or in writing or by signing in to the Service and using the appropriate form. Notification by general email to report an unauthorized transaction is not secure and therefore not advised.
    3. Telephone Numbers and Addresses. In case of errors or questions regarding Digital Banking, Mobile Banking, or Bill Payment transaction, call 1-877-367-8178 or write us at: Premier Bank, PO Box 248 Defiance, OH 43512. You may also sign in to the Service and using the appropriate form to notify us of an error. We must hear from you at the telephone number or address listed above, or by submitting the appropriate form through the Service, no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. We will need:
      1. Your name and Account number;
      2. Description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need additional information;
      3. Tell us the dollar amount of the suspected error.
    4. Additional Provisions Applicable Only to Non-Consumer Accounts.
      1. Applicability. These provisions are applicable to any non-consumer account which is defined for these purposes as any account used for other than personal, family, or household purposes.
      2. Protecting Your User Access Credentials. You agree that we may send notices and other communications to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that we will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to: (i) keep your user name and password secure and strictly confidential; (ii) instruct each person you have authorized to have user Access Credentials that he or she is not to disclose it to any unauthorized person; (iii) immediately notify us and select new Access Credentials if you believe your user logon credentials have become known to an unauthorized person.
      3. The Bank will have no liability to you for any unauthorized payment or transfer made using your user Access Credentials before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your user Access Credentials without receiving such notice from you if we suspect that your user logon credentials are being used in an unauthorized or fraudulent manner. The Bank will have no liability for such suspension or cancellation.
      4. Acknowledgement of Commercially Reasonable Security Procedures. By using Digital Banking, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice).
    5. Joint Accounts. When your Digital Banking service is linked to one or more joint Accounts, we may act on the verbal, written, or electronic instructions of any authorized signer, even if some other document would require dual authorizations or dual signatures.
    6. Limitations on Use. Digital Banking Services are not necessarily available everywhere and may not be available to non-residents or non-citizens of the United States. Any access or use of Digital Banking or Mobile Banking from locations outside of the United States may increase the risk of compromising your Access Credentials. You agree to accept all liability for any compromise to your Access Credentials arising as a result of your use or access to Digital Banking or Mobile Banking from locations outside of the United States.
    7. Prohibited Uses. You agree not use or attempt to use Digital Banking to: (a) engage in any illegal purpose or activity or to violate any applicable law, rule, or regulation; (b) breach any contract or agreement by which you are bound; (c) engage in any Internet or online gambling transaction, whether or not gambling is illegal in any applicable jurisdiction; (d) engage in any activity or business that would result in you being or becoming a “money service business” as defined in the Bank Secrecy Act and its implementing regulations; (e) to transmit or disseminate viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; or (f) engage in any transaction or activity that is not specifically authorized and permitted by this Business Digital Banking Agreement. You acknowledge and agree that the Bank has no obligation to monitor your use of Digital Banking for transactions and activity that is impermissible or prohibited under the terms of this Business Digital Banking Agreement; provided, however, that the Bank reserves the right to decline to execute any transaction or activity that the Bank believes violates the terms of this Business Digital Banking Agreement. You agree that you will not attempt to: (i) access any services for which your use has not been authorized; or (ii) use or attempt to use a third party’s account; or (iii) interfere in any manner the provision of the Services, the security of the Services, or other customers of the Services, or otherwise abuse the Services.
    8. Viruses and Other Protection. You are responsible for taking and maintaining security precautions to protect your computer, mobile device, data, and system. You agree that we are not responsible for any electronic virus, spyware, or malware that you may encounter using the Bank’s Digital Banking system. We encourage you to routinely scan your computer and/or mobile devises used to access Digital Banking using quality up-to-date, reliable virus, spyware, and malware protection product to detect and remove any virus, spyware, and malware found. Similar such software should be utilized to protect your computers or devices in real-time. Undetected or unrepaired, a virus, spyware, or malware may corrupt and destroy your programs, files and even your hardware. You are responsible for maintaining and applying anti-virus software, security patches, firewalls, and other security measures with respect to your computers or devices, and for protecting, securing and backing up any data and information stored in or on your operating systems. We are not responsible for any errors or failures resulting from defects in or malfunctions of any software installed on your computers or devices or accessed through an Internet connection.
    9. End User License Agreement.The Agreement applies to your use of the Digital Banking Services and applies to your use of and access to these Services. You understand that some of the Services contemplated by this Agreement are provided by third parties. The Bank shall not be liable for any Services provided by such third parties. This Agreement shall be your license to use the Digital Banking Services provided by the Bank or such third parties.
      1. The Bank has the right to terminate or suspend your access to or use of Digital Banking, with or without notice, in the event that you violate this Agreement or close your Account.
      2. The Digital Banking Services are owned and operated by the Bank or its affiliates, licensors and/or third party service providers (the “Bank Parties”) and unless otherwise indicated, all designs, text, images, videos, graphics, software and other content and materials appearing in the Mobile App (collectively, “Content”) are the property of the Bank or the Bank Parties, and protected, without limitation, by U.S. and foreign copyright, trademark and other intellectual property laws. All trademarks, service marks, trade names, logos and other indicia of origin (collectively, "Marks") appearing within Digital Banking are the property of the Bank or the Bank Parties. You may not make any use of any Content or Marks without the prior written consent of the Bank. No Content from the Bank Website or the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.
      3. Subject to the terms and conditions of this Agreement, you are hereby granted a limited, nonexclusive license to use the Content in accordance with the terms of this Agreement. All rights not expressly granted to you by this Agreement are hereby reserved by the owner of the Content. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Content. This Agreement may be terminated at any time, for any reason or no reason. Upon termination, you agree to immediately destroy all copies of the Content in your possession or control.
      4. You shall not: (i) modify, revise or create any derivative works of the Content; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Content; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Software; or (iv) remove or alter any proprietary notices, legends, symbols or labels in the Content, including, but not limited to, any trademark, logo or copyright.
      5. In using or accessing Digital Banking you agree: (1) not to use Digital Banking for fraudulent purposes; (2) not to "spam" others or "phish" for others' personal information; (3) not to create or use a false identity; (4) not to disrupt or interfere with the security of, “deeplink”, attempt to obtain unauthorized access to or otherwise abuse, the Service or affiliated or linked websites; (5) not to disrupt or interfere with any other user’s enjoyment of Digital Banking; (6) not to use, frame or utilize framing techniques to enclose any Marks or other proprietary information (including Content); (7) not to use meta tags or any other “hidden text” utilizing a Mark ; and (8) not to use the Service in a manner that is defamatory, inaccurate, profane, threatening, invasive of a person's privacy, violates any third party proprietary rights, or is in violation of any law or regulation.
      6. General Disclaimer of Warranty. THE BANK MAKES NO REPRESENTIONS OR WARRANTIES IN CONNECTION WITH THE ONLINE BANKING SERVICE, MOBILE BANKING SERVICE, THE WEBSITE, THE MOBILE APP, OR ANY CONTENT, ONLINE, OR MOBILE SERVICES PROVIDED THEREIN (“BANK SERVICES”) ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE BANK HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH RESPECT TO THE BANK SERVICES, AND ANY THIRD-PARTY WEBSITE OR SERVICE. THE BANK DOES NOT WARRANT THAT THE BANK SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE BANK SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT TRANSMISSIONS OR DATA WILL BE SECURE, OR THAT THE BANK SERVICES, OR THE SERVER(S) THAT MAKES THEM AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE BANK DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF THE BANK SERVICES IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
      7. Third Party Software, Tools, and Services. The Bank is providing you with the means to access the third party Service under this Agreement (the "Third Party Software"). Such Third Party Software may be located at a site owned or controlled by such third parties. Except as provided by applicable law, you agree the Bank is under no obligation to provide you with any such Third Party Software, and that in providing or arranging for access to the Third Party Software, the Bank is not assuming any responsibility or liability whatsoever, nor is the Bank suggesting or offering or creating any security procedures.
      8. Disclaimer of Warranties by Premier Bank for Third Party Software or Content. YOU ACKNOWLEDGE AND AGREE THAT ANY THIRD PARTY SOFTWARE OR CONTENT MADE AVAILABLE TO YOU THROUGH THE BANK, AND ANY RELATED UPDATES OR UPGRADES, ARE MADE AVAILABLE TO YOU THROUGH PREMIER BANK ON AN “AS IS” AND “AS AVAILABLE” BASIS. PREMIER BANK MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING THE THIRD PARTY SOFTWARE OR CONTENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OR COMPLETENESS, OR FREEDOM FROM INFRINGEMENT OR MALICIOUS SOFTWARE OR CODE, COMPUTER VIRUS OR WORM, OR OTHER DISABLING ROUTINE, AND PREMIER BANK HEREBY DISCLAIMS ALL SUCH WARRANTIES. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, PREMIER BANK DISCLAIMS ANY REPRESENTATIONS OR WARRANTIES THAT THE THIRD PARTY SOFTWARE OR CONTENT WILL OPERATE ON AN UNINTERRUPTED OR ERROR-FREE BASIS. PREMIER BANK SHALL NOT HAVE ANY LIABILITY TO YOU OF ANY KIND ARISING OUT OF YOUR SELECTION OR USE OR NON-USE OF THE THIRD PARTY SOFTWARE OR ANY OTHER ALTERNATIVE PRODUCTS OR SERVICES, AND IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY DAMAGES AGAINST PREMIER BANK OF ANY KIND ARISING OUT OF YOUR SELECTION OR USE OR NON-USE OF THE THIRD PARTY SOFTWARE OR ANY OTHER ALTERNATIVE PRODUCTS OR SERVICES, INCLUDING DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED THE BANK OF THE POSSIBILITY OF SUCH DAMAGES. NOTHING IN THE FOREGOING IS INTENDED TO ALTER ANY RIGHT OR REMEDY YOU MAY BE ENTITLED TO PURSUANT TO ANY WRITTEN AGREEMENT BETWEEN YOU AND THE APPLICABLE THIRD PARTY VENDOR OF ANY APPLICABLE THIRD PARTY TOOL.
    10. Limitation on Liability. IN NO EVENT WILL THE BANK OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, LICENSORS, OR THIRD PARTY SERVICE PROVIDERS BE LIABLE FOR ANY CONSEQUENTIAL (INCLUDING WITHOUT LIMITATION, LOSS OF DATA, FILES, PROFIT OR GOODWILL OR THE COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICE), INDIRECT, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OF USE, ONLINE BANKING, THE INABILITY TO USE ONLINE BANKING, MOBILE BANKING, THE INABILITY TO USE MOBILE BANKING, ANY MERCHANDISE OR SERVICES PURCHASED OR OBTAINED USING ONLINE BANKING, OR ANY MESSAGES RECEIVED VIA ONLINE BANKING OR THE MOBILE APP, OR ANY TRANSACTIONS THEREUNDER, EVEN IF THE BANK HAS BEEN SPECIFICALLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE AGGREGATE LIABILITY OF THE BANK AND OUR THIRD PARTY SERVICE PROVIDERS UNDER THIS AGREEMENT SHALL NOT EXCEED ONE THOUSAND DOLLARS ($1,000.00), EXCEPT AS OTHERWISE PROVIDED BY APPLICABLE FEDERAL LAW.
      THE FOREGOING TERMS OF THIS AGREEMENT SHALL CONSTITUTE THE SERVICE PROVIDERS’ AND PREMIER BANK'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO THE SERVICES, THIRD PARTY SOFTWARE OR CONTENT.
      THE DISCLAIMERS AND LIMITATIONS OF LIABILITY IN THIS AGREMENT SHALL NOT BE DEEMED TO DISCLAIM, LIMIT, OR REDUCE LIABILITIES, RESPONSIBILITIES, OR OBLIGATIONS SPECIFICALLY IMPOSED ON US BY APPLICABLE LAW, TO THE EXTENT SUCH LIABILITY, RESPONSIBILITY, OR OBLIGATION CANNOT BE WAIVED OR DISCLAIMED.
    11. No Liability for Certain Failures. Except as specifically provided in this Agreement or where applicable law requires a different result, neither we nor our service providers or other agents will be liable for any loss or liability resulting in whole or in part from any act or failure to act of your equipment or software, or that of an Internet browser provider such as Microsoft® (Microsoft Edge) or Google® (Google Chrome® ), by an Internet access provider, by an online service provider or by an agent or subcontractor of any of them, nor will we or our service providers or other agents be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of your access to or use of, or failure to obtain access to Digital Banking.
    12. Indemnification. Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your Account, you agree to agree to indemnify, defend, and hold harmless the Bank and its directors, officers, employees, third party service providers, and agents free and harmless from any and all losses or damages, including attorneys’ fees, lost profits, and indirect or special damages, including, but not limited to, those relating to bank secrecy or financial privacy laws or regulations, that may arise, directly or indirectly, in whole or in part from (a) an Account; (b) the performance of our Digital Banking; (c) a third party claim, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or other materials submitted by you to us; (d) any fraud, manipulation, or other breach of these terms; (e) any third party claim, action, or allegation brought against us arising out of or relating to a dispute with you over an Account, the terms and conditions of an agreement, purchase or sale of any goods through Digital Banking; (f) your violation of any law or rights of a third party; or (g) your use or the provision of Digital Banking, or use of your Account by any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. You will not settle any action or claims on our behalf without our prior written consent. This indemnification is provided without regard to whether our claim for indemnification is due to your use of Digital Banking by you or your authorized representative.
    13. Liability for Loss of or Erroneous Data. You will bear the liability or the risk of any error or loss of data, information, transactions or other losses, which may be due to the failure of your respective computer system or third-party communications provider on which you may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your computer system, including but not limited to damage or loss resulting from data related problems.
    14. Amendments. The terms of this Agreement, any particular product or service offered via Digital Banking, applicable fees, and service charges may be amended from time to time. In addition, the Bank may revise, update, add to, delete from, or change the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials. We may make any such changes to this Agreement or the Services by at any time by sending notice to you through the Service, the Mobile App, a text message, an email address shown in our records, by posting the notice or amended Agreement in Digital Banking, or by delivering it to you through a method which we agree to. You may choose not to accept the change by closing your account(s) and terminating your use of Digital Banking or the applicable Service. Your continued use of the Service following our change in terms shall be deemed your acceptance of the new terms.
    15. No Waiver. We will not be deemed to have waived any of our rights or remedies under this Agreement unless we send the waiver to you by electronic message or we otherwise mail or deliver to you a written waiver signed by us. No delay or omission on our part in exercising any of our rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies we may have. A waiver on one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.
    16. Address, Email, or Banking Changes. You agree to notify us at least ten (10) Business Days in advance, of any change in your address, transaction Account, your banking status or e-mail address. The Bank can be contacted at 1-877-367-8178 Monday through Friday 8:00 a.m. to 6:00 p.m. Eastern Time or Saturdays 8:00 a.m. to 12:00 p.m. Eastern Time, excluding bank holidays. The easiest way to contact us about changes in your email or phone number is by updating them within the Digital Banking system.
    17. No Extension of Credit. If any Service provided through Digital Banking involves a debit to any of your Accounts or any other account you maintain with us, you must have on deposit in such Accounts sufficient amounts to enable us to make the debit. Nothing in this Agreement will constitute or be deemed a commitment by us to extend credit to you, or to grant to you overdraft privileges. We will not have any obligation to make any funds available to you to effect any payment being made by you or to enable you to use any one or more of the Services. Any obligation to extend credit to you or to otherwise make funds available to you must be set out in a separate agreement executed by the Bank through a person authorized to make credit decisions on our behalf.
    18. Grant of Security Interest. As security for your obligations to us under this Agreement, you grant to us a present and continuing security interest in the following: (i) all of your Accounts and all distribution/collection points related to any one or more of your Accounts associated with the Digital Banking Services; (ii) all now existing and all hereafter arising contract rights relating to your Accounts associated with the Services and the distribution/collection points related to any one or more of your Accounts; (iii) all cash, checks, drafts, instruments, chattel paper, money orders, remittances, wire transfers, Accounts, securities and other items of value or payment intangibles belong to you or payable to you, which are now in or may in the future be in or paid or deposited to your Accounts and which are now in or may in the future be in or deposited in any distribution/collection points related to any of your Accounts; and (iv) all present proceeds and future proceeds of or related to the foregoing Accounts, depository/collection points and cash, checks, drafts, instruments, chattel paper, money orders, remittances, wire transfers, Accounts, securities and other items of value or payment intangibles.
    19. Age Requirements. By entering into this Agreement, you are certifying that you are at least 18 years of age or older. You agree to comply with all applicable laws and regulations in connection with our Digital Banking.
    20. Miscellaneous:
      1. Severability. If any provision of this Agreement is held to be invalid or unenforceable, the remainder of the provisions shall continue in full force and effect and shall in no way be invalidated or otherwise affected.
      2. Assignment. You may not assign this Agreement to any other person or entity. We may assign this Agreement to any company with which we are directly or indirectly affiliated. We may also assign or delegate certain of our rights or responsibilities under this Agreement to independent contractors or other third parties.
      3. Governing Law. This Agreement will be governed by and construed in accordance with the law identified as the applicable governing law in the Terms and Conditions of Your Account, without regard to any conflict of laws provisions.
      4. Ownership of Materials. The Content and information on our Website is copyrighted by the Bank or third parties and the unauthorized reproduction or distribution of any provisions is prohibited.
      5. Captions. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.
      6. Survival. The provisions of this Agreement, which by their nature survive expiration or termination of this Agreement, shall survive the termination of this Agreement.
      7. Dispute Resolution. You agree that any disputes between you and the Bank or that relate to or arise from this Agreement or the Service, to the extent same may be submitted for resolution to a court of law, will be resolved exclusively in the state or federal courts for Mahoning County, Ohio. The parties agree that such courts are the most convenient venue or forum for the resolution of such disputes and such court has jurisdiction over the respective parties.
      8. WAIVER OF JURY TRIAL. Where permitted by law and with respect to any dispute submitted to a court of law for resolution, both parties waive their right to request a jury trial and agree that all matters relating to or touching upon this Agreement or Digital Banking shall be tried before a judge, without a jury.
      9. Entire Agreement. This Agreement, together with the Other Agreements, is the complete and exclusive statement of the agreements between the Bank and you with respect to the subject matter hereof and supersedes any prior agreement(s) between the Bank and you with respect to such subject matter. Your use of Digital Banking to conduct any specific Digital Banking Service is subject to the terms and limitations of the this Agreement, any applicable agreement or Schedule for a particular service, and the applicable instructions and disclosures the Bank provides you. In the event of any inconsistency between the terms of this Agreement and the Other Agreements, the terms of this Agreement shall govern with respect to the Services described in this Agreement. In the event performance of the Services provided through Digital Banking in accordance with the terms of this Agreement would result in a violation of any present or future statute, regulation, or government policy to which the Bank is subject, and which governs or affects the transactions contemplated by this Agreement, then this Agreement shall be deemed amended to the extent necessary to comply with such statute, regulation, or policy, and the Bank shall incur no liability to you as a result of such violation or amendment. No course of dealing between the Bank and you will constitute a modification of this Agreement, the rules, or the Security Procedures constitute an agreement between you and the Bank regardless of whatever practices and procedures the Bank and you may use.

    MOBILE BANKING SCHEDULE

    1. Generally. This Mobile Banking Schedule (this “Mobile Banking Schedule”) sets forth the terms and conditions that apply specifically to your access and use of the Premier Bank Mobile App (collectively referred to as the “Mobile Banking Service”) provided by Premier Bank. In this Agreement, “you” refers to each owner and authorized signer on the Accounts which may be accessed through the Mobile Banking Service.
      PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING OR USING THE MOBILE BANKING SERVICE VIA THE MOBILE APP. DO NOT USE THE SERVICE VIA THE MOBILE APP IF YOU DO NOT AGREE TO THE TERMS OF THIS MOBILE BANKING SCHEDULE.
      BY ACCESSING OR USING THE MOBILE BANKING SERVICE OR OTHERWISE ACKNOWLEDGING YOUR CONSENT, YOU REPRESENT THAT YOU ARE 18 YEARS OF AGE OR OLDER AND YOU HAVE READ AND AGREE TO BE BOUND BY THIS MOBILE BANKING SCHEDULE IN ITS ENTIRETY AND ALL APPLICABLE LAWS, RULES, AND REGULATIONS GOVERNING YOUR USE OF THE MOBILE APP. THIS AGREEMENT MAY BE AMENDED FROM TIME TO TIME BY POSTING A NEW VERSION TO THE MOBILE APP OR ONLINE BANKING, WHICH VERSION WILL BE EFFECTIVE UPON POSTING AND YOUR CONTINUED USE OF THE MOBILE BANKING SERVICE.
    2. Mobile Services Generally. The Mobile Banking Service allows you to access the following features through the Mobile App. We may add or delete functions in the future. You acknowledge that we use one or more third party licensor’s mobile technology to provide the Mobile Banking Service. The Mobile Banking Service, as well as the content and materials you may receive or access through your use of the Mobile Banking Service, are proprietary to us and our licensors, and are for your use only. You agree we are not responsible or liable for the acts, omissions, systems, or services provided by any licensor. We currently offer the following Mobile Banking Services, with each offered subject to any applicable Service Schedule describing the Service:
      1. View current balance information for your Account(s);
      2. Review available transactions for your Account(s);
      3. Set up Alerts, as defined below, which may be provided through mobile banking, text message, or email;
      4. Manage your debit card;
      5. Transfer funds between your Premier Bank Account(s) on either a one-time or recurring basis;
      6. Transfer funds outside of the Bank;
      7. Pay bills;
      8. View Account statements for Account(s);
      9. Use the "Locate Us” button to find branch and ATM locations;
      10. Conduct mobile banking through the Mobile App; and
      11. Access mobile remote deposit capture.
    3. Your Equipment.
      1. To use the Mobile Banking Service, you must have a compatible mobile device, such as a current and fully patched Apple iPhone or Android Device, which can access the Internet or a wireless data plan. You are responsible for the selection, installation, maintenance, and operation of your mobile device and its software. We are not responsible for any errors, failures, or malfunctions of your mobile device of software, or for any computer virus or related problems that may occur with your use of this Service. You are responsible for ensuring that your mobile device and software are compatible with our system. We reserve the right to change our system requirements from time to time.
      2. The Mobile Banking Service may not be accessible or may have limited utility over some network carriers. We cannot guarantee and are not responsible for the availability of data services provided by your mobile carrier, such as data outages, unavailability of data plans, or “out of range” issues.
      3. We reserve the right to support only certain types of mobile devices and mobile operating systems. Note: some browser software may store user names and security codes to facilitate the future use of a website. For security reasons, you agree to disable this feature in your browser. Check you browser’s “Help” screen for more information on this feature. If you are unable to connect to the Service for any reason, please contact us at 1-877-367-8178 or by accessing the “contact us” information in the Mobile App.
    4. Access Credentials. To use the Mobile Banking Service, you must register Access Credentials. If you have previously enrolled through the Digital Banking portal, you will use the same Access Credentials to access the Mobile App.
    5. Use of Mobile Banking Services. You are responsible for reviewing and complying with the instructions provided in the mobile application for the proper use of the Mobile App. You agree to accept responsibility for learning how to use the Mobile App in accordance with the instructions and agree that you will contact us directly if you have any questions or problems with the Mobile App.
    6. End User License Agreement.
      1. The Bank Mobile App End User License Agreement (“Mobile App Agreement”) applies to your access and use of the Mobile App.
      2. The Bank has the right to terminate or suspend your access to or use of the Mobile App, with or without notice, in the event that you violate the Mobile App Agreement or close your account. In case of any discrepancy between this Agreement and the Mobile App Agreement, the terms of this Agreement will prevail.
      3. You acknowledge and agree that the Bank has no obligation to monitor your use of the Mobile App for transactions and activity that is impermissible or prohibited under the terms of this Mobile Banking Schedule; provided, however, that the Bank reserves the right to decline to execute any transaction or activity that it believes violates the terms of this Mobile Banking Schedule.
    7. User Security and Account Access. We are entitled to act on transaction instructions received using your Access Credentials and other uniquely identifying access information (such as your password, passcode, and other authentication functions supported by your device) (collectively, the “Security Procedures”), and you agree that the use of the Security Procedures will have the same effect as your signature authorizing the transaction. You agree that these Security Procedures constitute commercially reasonable Security Procedures under applicable law for the initiation of the services you utilize via the Mobile App, including without limitation, transfers and access to confidential information. You agree not to leave your mobile device unattended while logged into the Mobile App. You agree to log off immediately at the completion of each access of the Mobile App. You agree not to provide your username or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access the Mobile App, you are responsible for transactions they authorize and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account. Protection of Security Procedures for the Mobile App:
      1. Your access to the Mobile App is similar to accessing your account(s) via the Internet. As such, you should be cautious in the use of the system.
      2. You should treat all access codes the same way you treat your personal identification numbers (PIN) of a debit card. Do not write the numbers down.
      3. If the Bank receives any instructions via the Mobile App after you have placed proper authentication information through the system using the Security Procedures, the Bank will treat those transactions as your authorized transactions. You are responsible for the accuracy of your instructions.
      4. You should not provide any Mobile App access information, including the Security Procedures, to anyone. You are responsible for keeping your access information confidential. If you permit other persons to use your mobile device and/or other means to access the Mobile App, you are responsible for any transactions he/she authorizes.
      5. You understand the importance of your role in preventing misuse of your Accounts through the Mobile App and you agree to promptly review your statements for each of your Accounts as soon as you receive it.
      6. You should immediately report any abnormalities or fraud in your account(s). You should safeguard your mobile device and codes used to access your account(s).
      7. You agree not to leave your Device unattended while logged into the Mobile App and to log off immediately upon completion of each access.
      8. If you believe your Device, user name, password, or other approved access information has been lost or stolen, or that someone has transferred or may transfer funds from your Account, without your authorization, CONTACT US AT ONCE AT 1-877-367-8178
    8. How to Notify Us of a Problem. If you have a question about a Mobile Banking Service transaction, believe your Access Credentials or other security credentials have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, call us at 1-877-367-8178 or the contact us menu through the Mobile App.
    9. Applicability of Digital Banking Agreement. The Mobile Banking Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

TRANSFERS BETWEEN YOUR PREMIER BANK ACCOUNTS SCHEDULE

  1. Authorization of Transfers. When you initiate a transfer between your accounts, you authorize the Bank to debit funds from the account indicated (the “Funding Account”) and transfer them to the second account (the “Receiving Account”).
  2. Types of Transfers. Subject to any applicable transfer limitations set by Premier Bank, Digital Banking permits you to transfer funds from a deposit Account to any other deposit Account, from a deposit Account to a line of credit or loan Account to make payments, or from a line of credit Account (i.e. borrowing from the credit account) to a deposit Account. When initiating a new scheduled transfer, the “transfer date” is the date you enter for the transfer of fund from one Account to another. You should always check Digital Banking for the current balance in a given Account. However, generally, the following timing will apply to transfers.
    1. Immediate. One-time transfers that transfer funds from a deposit Account to another deposit Account or to or from a line of credit Account will generally be processed simultaneously if the transfer request is made before 11:00 p.m. Eastern on a business day. For example, if you transfer funds from Account 1 to Account 2, the funds will be debited from Account 1 and credited to the available balance in Account 2 simultaneously. The funds will be available immediately upon the transfer for withdrawal from Account 2 through an ATM or debit card transaction or at a teller window, and will also be available to honor checks or other items presented for payment against Account 2 in the nightly processing following the transfer. If we receive your transfer instructions after 11:00 p.m. Eastern, the transferred funds will be credited to your Account as of the next business day following the date you initiated the transfer.
    2. Scheduled Transfers. Scheduled transfer of funds from a deposit Account to a line of credit or loan Account will be processed as follows: (1) the transfer will be debited from your deposit Account when you execute the transfer on the transfer date (regardless of the day or time we receive your instructions); and (2) the transfer will be credited to Account during our nightly processing of the loan Account. The transfer will be credited to your line of credit or loan Account on the transfer date if (i) the transfer date you designate is a business day and (ii) we receive your instruction to transfer the funds to your loan Account no later than 11:00 p.m. Eastern on the transfer date. If you designate a non-business day as the transfer date, or if we receive your transfer instructions after 11:00 p.m. Eastern on the transfer date, the transferred funds will be credited to your loan Account as of the next business day following the transfer date.
    3. Scheduled Recurring Transfers. You may also schedule automatically recurring transfers that will occur on the date you schedule.
  3. Cancelling Transfers. A one-time, immediate transfer to another account cannot be cancelled or edited after it has been submitted in Digital Banking. Future-dated and recurring transfers can be cancelled or edited as long as the transfer has not been processed. You can view the transfers that you are able to cancel or edit by going to the Scheduled Transfers section within Digital Banking. In the event you are unable to stop the transfer through Digital Banking, please contact us at 1-877-367-8178.
  4. Limitations and Dollar Amounts for Internal Transfers. We reserve the right to impose hold times and limits on the frequency, number, and dollar amounts of transactions you can perform using Digital Banking. Transfers from deposit accounts are further limited to collected, available funds in the deposit account. Additionally, transfers from a credit account to one of your deposit Accounts may not exceed your available credit limit. If there are insufficient funds in a deposit account or the amount of credit available under your credit line is less than the amount you seek to transfer, the transfer will not be completed in whole or in part.
  5. Bank Liability for Failure to Make Transfers. Premier Bank will use its best efforts to properly complete transfers you request. However, the Bank is not liable if the transfer cannot be completed due to any of the following circumstances:
    1. If you do not have adequate available funds or credit in a Funding Account to complete a transaction from that account;
    2. If the Funding account has been closed or if it has been restricted due to suspected fraud, the Bank being made aware of a claim on the account adverse to your interests, or by a court order such as a garnishment or other legal process.
    3. If the Service is not working properly and you knew or were notified by us that the system was not working properly, or if the Service problem should have been apparent to you, when you attempted to authorize a transfer or payment.
    4. If you have not properly followed Digital Banking instructions on how to make a transfer or payment or if your computer or device fails or malfunctions when you attempted to authorize a transfer or payment.
    5. If you have not given the Bank complete, correct and current instructions so that the Bank can make a transfer or payment.
    6. If circumstances beyond the Bank’s control prevent making a transfer or payment, despite reasonable precautions that the Bank has taken. Such circumstances include delays or losses of payments caused by telecommunications outages, postal strikes, actions of third parties (such as payees), equipment failures, and acts of god.
  6. Customer Responsibility and Liability for Unauthorized Use. You are responsible for all transfers and payments you authorize using Digital Banking. If you permit other persons to use Digital Banking or your secure login profile, you are responsible for any transactions they authorize from your account.
  7. Applicability of Digital Banking Agreement. The Transfers Between Your Premier Bank Accounts Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

EXTERNAL TRANSFERS SERVICE SCHEDULE

  1. External Transfers Generally. The External Transfer Service allows you to quickly transfer funds to or from certain accounts at other U.S. financial institutions and your eligible accounts at Premier Bank through the Digital Banking Service. External transfers are only available for cash balances held in eligible accounts and may not be used to directly transfer securities or other non-cash items between financial institutions. The Bank will process External Transfers as agent on your behalf by means of the Automated Clearing House network pursuant to this Agreement and the rules of the National Automated Clearing House Association (NACHA). All External Transfers are subject to NACHA rules.
  2. Identifying Eligible Accounts. Eligible Premier Bank accounts include personal checking, personal saving, trust checking, or trust savings accounts for which Digital Banking Services have been established and which are in good standing and without an overdraft or insufficient funds item within the last three statement cycles. Besides being consumer accounts, eligible accounts at the financial institution must have the same ownership or common ownership as the accounts at Premier. Common ownership exists where there the individual Premier customer is at least one of the individual owners of both accounts even though other owners may differ. Premier may also approve non-Premier accounts where the individual has the authority to transfer funds although the legal ownership of the account differs from that of the Premier account such as situations where one of the accounts is held in a trust where the individual Premier customer is a grantor or trustee of one account and an individual owner of the second account. You agree to provide information to us to validate the eligibility of both the internal and external accounts. Other validation methods may be used by Premier in our sole discretion. Transfers involving ineligible accounts are prohibited. You are solely responsible for properly setting up and identifying all external accounts that you want to establish for purposes of the External Transfer Service and for providing the correct information to enable us to complete the transfer. Premier is not responsible for transfers to unintended accounts due to incorrect information from you.
  3. Scheduling Transfers. You authorize Premier to debit your Premier account and credit your external account (an “outbound transfer”) OR to debit your external account and credit your Premier Account (an “inbound transfer”) as specified in each transfer request. Transfers can be scheduled on either a one-time or recurring basis. Processing of one-time External Transfers may be initiated immediately or scheduled for initiation at a future date. The recurring transfer feature may be used when a set amount is transferred at regular intervals. The cut-off time for External Transfers within a business day is 7:00 p.m. Eastern. Any External Transfer initiated after this time or on a day that is not considered a business day will be considered as being initiated on the next business day. Future-dated or recurring External Transfers scheduled for a weekend or non-business day will be processed on the next business day. External Transfers will appear as “In Process” until fully processed. An External Transfer may be cancelled before 7:00 p.m. Eastern on the day before it is scheduled to occur. An External Transfer may not be cancelled once it reflects “in process” or processed.”
  4. Transaction Limits. External Transfers, both outbound and inbound, are subject to the following limitations: $5,000 per business day, $20,000 per week, and $20,000 per month. Any External Transfer initiated after the cutoff time or on a day that is not a business day counts toward the applicable limit for the next business day. Premier Bank may change your dollar limits at any time. Any decrease will be subject to notice as required by law.
  5. External Transfer Funds Availability and Processing. You should allow three business days for an External Transfer to be fully completed and the funds available in the receiving account. Longer delays may occur for inbound transfers due to exceeding daily and monthly limits, account status (including whether the Account is considered a “New Account” under our Funds Availability Policy), and other restrictions. The availability of funds in an outbound transfer is subject to policies and conditions of the receiving institution and Premier is not responsible for any delays in this regard. Under NACHA rules, any credit to your Premier Bank account or your account at a third party financial institution shall be provisional until such credit has been finally settled by us or by the third party financial institution holding your account. You acknowledge that if we do not receive final settlement for an External Transfer for any reason, we shall charge back the amount of such transfer from the account being debited or the account being credited, as applicable, or any other of your accounts or claim a refund from you. You authorize us to reverse a transfer from the applicable account if the debit is returned from the other account in the transaction for any reason, including but not limited to nonsufficient funds. External Transfers may be delayed or blocked to prevent fraud or comply with regulatory requirements. If we delay or block an External Transfer instruction that you have initiated, we will notify you.
  6. Insufficient Funds. In the event that there are not sufficient funds available in your deposit account to cover your payment obligation, you agree that we may offset, without prior notice or demand, any account held by you to the extent permitted by law. If the deposit account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. If we do elect to initiate the External Transfer, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees, as set forth in the Terms and Conditions of Your Account.
  7. Representations and Warranties. With each requested transfer, you agree, represent and warrant that:
    1. Your relationship with the other financial institution is independent of your relationship with Premier and that Premier has no responsibility for the acts or omissions of the other financial institution.
    2. Both the Premier account and the external account are eligible accounts for purposes of this Service.
    3. You are either an owner of or otherwise authorized to conduct transactions for both the Premier account and the external account and that you have all necessary legal right, power and authority to transfer funds between the Premier Account and the external account. If you are a joint owner of either account, then you represent and warrant that (i) you have been authorized by all of the other joint owners to transfer funds between the accounts as proposed and (ii) Premier may rely on your instructions without liability to the other owners.
    4. All External Transfers are subject to the terms and conditions affecting both the Premier account and the external account, there are no restrictions or transfer limitations implemented by the external financial institution affecting the transfer, and that Premier will not be liable or responsible for any fees, costs, losses or damages incurred as result of any such restrictions or limitations.
    5. There are sufficient funds available in the external account for any inbound transfers or in the Premier Account for any outbound transfers.
    6. The external account is located in the United States.
  8. Cancellation of External Transfers. The Bank reserves the right to refuse to complete any External Transfer. We will notify you if we decide to refuse an External Transfer; provided however, this notification is not required if you attempt to make a prohibited External Transfer.
  9. Availability of the External Transfer Service.Access to the External Transfer Service is generally available 365 days a year, 24 hours a day, except during maintenance periods and during periods when access to the Digital Banking Service is temporarily interrupted as a result of power outages, equipment and/or software malfunctions or failures. The Bank will not be liable under this Agreement for failure to provide access. Subject to applicable law, we reserve the right to modify, suspend, or terminate access to all or any part of the External Transfer Service at any time and for any reason without notice or refund of previously incurred fees. We will attempt to notify you by posting a notice on our website in the event of any technical difficulties or other occurrence that may impede access to the External Transfer Service for a prolonged period of time.
  10. Applicability of Digital Banking Agreement. The External Transfer Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

ONLINE BILL PAY SERVICE SCHEDULE

  1. Bill Pay Service Generally. You can make one-time or recurring payment to others from your account using the Bank’s bill payment service (the “Bill Pay Service”), subject to the terms and conditions of this Agreement. Bill payments can be accessed through the Digital Banking portal or the Mobile Banking App. The payment amount for each bill payment transaction requested will be debited from your Account on the scheduled date reflected in the Bill Pay Service. With Bill Payment, you may (1) make current, future or recurring payments to certain companies or individuals you select, and (2) make current, future or recurring payments directly to your loan accounts with us. When you schedule a bill payment using the Bill Pay Service, you authorize us to follow the payment instructions and transfer funds from your Payment Account with us to the payee. We may refuse to act on your instructions if sufficient funds are not available in your Payment Account on the date you want us to process your payment. We reserve the right to refuse to make any bill payment.
  2. Payment Scheduling.
    1. To schedule a payment, you must select a date your payment will be debited (such date, the “Scheduled Payment Date”) for each Payee. You should allow 3-5 business days to process most payments. Bill payments are transmitted Monday through Friday at 9:00 p.m. Eastern. If a payment is initiated after this time or on a day that is not a business day, the payment will be processed on the next business day. The Scheduled Payment Date is the date on which Premier will issue the payment to the party you intend to pay (your “Payee”). The first possible Scheduled Payment Date will be reflected in the Bill Pay Service but you may select later Scheduled Payment Dates. The date your Payee receives or processes the payment may be later than the Scheduled Payment Date. It is your obligation to make certain you schedule payments appropriately so that your Payees receive the funds when due. The Bank will not be liable if you do not authorize a bill payment soon enough for your payment to be made and properly credited by the Payee by the time it is due; or if the Bank makes a timely bill payment but the Payee nevertheless does not credit your payment promptly after receipt.
    2. The necessary funds must be available in the Account from which bill payments will be debited (your “Payment Account”) on the Scheduled Payment Date. If sufficient funds are not available and the Bank cannot process the payment from your account on the Scheduled Payment Date, the bill payment will be canceled. Please note that your available current balance will not reflect scheduled payments from the Bill Pay Service until the earlier of the Scheduled Payment or date the item is negotiated by the Payee.
    3. You may make bill payments in any amount up to $9,999.99. The total amount of bill payments in any single business day may not be more than $20,000.00.
    4. You may choose to schedule payments to recur in the same amount at the intervals identified in the Bill Pay Service.
  3. Payment Method. The Bank may choose the payment method by which to remit funds to your Payee. The available payment methods include electronic payments through an automated clearinghouse or payment by a paper check that is then mailed using the U.S. Postal Service. While an electronic payment is our preferred payment method, this is not always possible. If a paper check is used, the check may be mailed before your Scheduled Payment Date to allow sufficient time for it to reach the Payee. You should anticipate there could be delays in mail service that affect when the payment is actually received by the Payee, possibly resulting in late payment fees. The Bank will not be responsible for any delays caused by mail services. The payment will not be deducted from your Payment Account until the check is actually negotiated by the Payee.
  4. Payees. You may designate Payees through the Bill Pay Service. You must provide sufficient information about each Payee to properly direct a payment to that Payee and permit the Payee to identify the correct account to credit your payment. This information may include without limitation, the name and address of the Payee and your Payee account number. The Payee must have a U.S. payment address that can be verified through the ordinary course of business. Occasionally, a Payee may choose not to participate in the Bill Pay Service or may require additional information before accepting payments (e.g. they may require a payment stub, coupon or copy of the invoice). These Payees may not accept such bill payments or may not be able to process bill payments using the Bill Pay Service. In these situations, we will cooperate in your efforts to get the Payee to accept a payment but we may decline to make future payments to this Payee, and a notice will be sent to you. When you create a new Payee in the Bill Pay Service, it may take two (2) business days to set up the Payee to receive payments. You should schedule a payment to a new Payee at least ten (10) business days before any payment due date, to allow the Bill Pay Service time to set up the Payee and verify information about your account with the Payee.
  5. Payment Cancellation Requests. You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the Bill Pay Service. There is no charge for canceling or editing a Scheduled Payment. Once the Bill Pay Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.
  6. Stop Payment Requests. The Bill Pay Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Bill Pay Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact the Bank at 1-877-367-8178. Although the Service will make every effort to accommodate your request, the Bill Pay Service will have no liability for failing to do so. The Bill Pay Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable Fee Schedule.
  7. Processing Exceptions.
    1. For bill payments made to any government agency (IRS, taxes, child support, court fees, etc.), the Bank has limited ability to research any issues that may arise due to the government’s strict adherence to the Consumer Privacy Act. The Bank will not be responsible for any late fees or penalties that may be incurred by these types of payments.
    2. Bill payments cannot be processed internationally or in the following U.S. territories: Guam, Puerto Rico, U.S. Virgin Islands.
    3. Bill payments cannot be processed in the following International Military Bases: Armed Forces Americas (AA), Armed Forces Europe, Asia, Canada, Middle East (AE), and Armed Forces Pacific (AP).
  8. Prohibited Transactions. PAYMENTS TO PAYEES AND NON-BILLER PAYEES OUTSIDE OF THE UNITED STATES OR ITS TERRITORIES ARE PROHIBITED THROUGH THE SERVICE.
  9. Bank Liability for Failure to Make Transfers. Premier Bank will use its best efforts to properly complete transfers you request. However, the Bank is not liable if the payment cannot be completed due to any of the following circumstances:
    1. If you do not have adequate available funds or credit in the Payment Account to complete a transaction from that account;
    2. If the Payment account has been closed or if it has been restricted due to suspected fraud, the Bank being made aware of a claim on the account adverse to your interests, or by a court order such as a garnishment or other legal process.
    3. the Service is not working properly and you knew or were notified by us that the system was not working properly, or if the Service problem should have been apparent to you, when you attempted to authorize a transfer or payment.
    4. If you have not properly followed Digital Banking instructions on how to make a transfer or payment or if your computer or device fails or malfunctions when you attempted to authorize a transfer or payment.
    5. you have not given the Bank complete, correct and current instructions so that the Bank can make a transfer or payment.
    6. If a paper check is used as the payment method and mailed using the U.S. Postal Service, the Bank is not responsible for any delays in the mail service or if the item is lost in the mail.
    7. If circumstances beyond the Bank’s control prevent making a transfer or payment, despite reasonable precautions that the Bank has taken. Such circumstances include delays or losses of payments caused by telecommunications outages, postal strikes, actions of third parties (such as payees), equipment failures, and acts of God.
    For Consumer Accounts: Provided none of the foregoing exceptions in this section or the Processing Exceptions previously listed are applicable, if the Bill Pay Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Bank will be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges.
  10. Bill Delivery and Presentment.This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Bill Pay Service's electronic bill options, you also agree to the following:
    1. Information Provided to the Payee. The Bill Pay Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Bill Pay Service may, at the request of the Payee, provide to the Payee your e-mail address, service address, or other data specifically requested by the Payee at the time of activating the electronic bill for that Payee, for purposes of the Payee informing you about bill information.
    2. Activation. Upon activation of the electronic bill feature the Bill Pay Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your Accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills.
    3. Authorization to Obtain Bill Data. Your activation of the electronic bill feature for a Payee shall be deemed by us to be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your user name and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data.
    4. Notification. The Bill Pay Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Bill Pay Service, the Bill Pay Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Bill Pay Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills.
    5. Cancellation of Electronic Bill Notification. The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Bill Pay Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Bill Pay Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
    6. Non-Delivery of Electronic Bill(s). You agree to hold the Bill Pay Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly.
    7. Accuracy and Dispute of Electronic Bill. The Bill Pay Service is not responsible for the accuracy of your electronic bill(s). The Bill Pay Service is only responsible for presenting the information we receive from the Payee. You are responsible for addressing directly with a Payee any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail.
    8. Liability to Payees. This Agreement does not alter your liability or obligations that currently exist between you and your Payees.
  11. Payee/Account Changes. It is your sole responsibility to ensure that the contact information for each Payee is current and accurate and that you update the Bill Pay Service any changes to Payee contact information or if there are changes to your account number or other identifying information in the records of the Payee. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Bill Pay Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payee account or contact information.
  12. Payee/Non-Biller Payee Limitation.The Bill Pay Service reserves the right to refuse to pay any Payee or Non-Biller Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee or Non-Biller Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.
  13. Returned Payments. In using the Bill Pay Service, you understand that Payees/Non-Biller Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's/Non-Biller Payee’s forwarding address expired; Payee/Non-Biller Payee account number is not valid; Payee/Non-Biller Payee is unable to locate account; or Payee/Non-Biller Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee/Non-Biller Payee, or void the payment and credit your Payment Account. You may receive communication from the Bill Pay Service.
  14. Information Authorization. Your enrollment in the Bill Pay Service may not be fulfilled if the Bill Pay Service cannot verify your identity or other necessary information. If your account was added online the Service may issue offsetting debits and credits to your accounts used for external transfers within the Bill Pay Service, and require confirmation of such from you in order to verify ownership of your Payment Account(s). You agree that the Bill Pay Service reserves the right to obtain financial information regarding your account from a Payee or the Bank (for example, to resolve payment posting problems or for verification).
  15. Availability of the Bill Pay Service. Access to the Bill Pay Service is generally available 365 days a year and 24 hours a day, except during maintenance periods and during periods when access to the Bill Pay Service is temporarily interrupted as a result of power outages, equipment and/or software malfunctions or failures. The Bank will not be liable under this Agreement for failure to provide access. Subject to applicable law, we reserve the right to modify, suspend, or terminate access to all or any part of the Bill Pay Service at any time and for any reason without notice or refund of previously incurred fees. We will attempt to notify you by posting a notice on our website in the event of any technical difficulties or other occurrence that may impede access to the Bill Pay Service for a prolonged period of time.
  16. Applicability of Digital Banking Agreement. The Bill Pay Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

E-STATEMENTS SERVICE SCHEDULE

  1. Generally. Within the Digital Banking Service, you may choose to utilize electronic statements (“E-Statements”). If you select E-Statements in lieu of paper statements, your use of E-Statements and your receipt of Communications will be governed by the terms of this E-Statements Schedule. If any Account has multiple owners and/or authorized signers, your consent to this Agreement constitutes the consent of all joint account holders and authorized signers. A Communication to any account owner or authorized signer will be treated as a Communication to all. You may activate E-Statements by going to “Accounts – Statements & Docs –Subscriptions” within the Digital Banking Service and selecting from the accounts eligible for this Service.
  2. Which Communications Are Covered? We will provide the following “Communications” to you in electronic form: (a) all periodic statements in connection with the eligible Accounts that you have selected; (b) all legal or regulatory notices, disclosures, cancelled checks, and other information that would have been contained in or accompany your periodic statement, including information we are required by law or regulation to provide you in writing, such as pricing information and privacy notices; and (c) any other information about your eligible Accounts, including all notices or disclosures about a change in the terms of your eligible Accounts. If your Account entitles you to receive paper copies or images of cancelled checks, these services will be provided in electronic form through the Digital Banking Service. If your Account does not entitle you to receive paper copies or images of canceled checks, these services will not be provided through the Digital Banking Service.
  3. Delivery of Communications and Requirements to Promptly Review.You agree and consent to receive E-Statements through the mechanism you used to enroll in the E-Statements service (for example, if you enrolled through Mobile Banking, you consent to receiving E-Statements through Mobile Banking). Additionally, we may deliver the Communications to you by any of the following methods: (a) by posting a notice and making the information available to you through the Digital Banking Service; (b) by sending the information to an email address you have provided to us; (c) by sending the information to a wireless device you have designated; (d) to the extent permissible by law, by access to a website that we will generally designate in advance for such purpose; or (e) any other electronic means we have mutually agreed upon. Delivery of electronic Communications by any of these methods will be considered “in writing” and you intend that the electronic Communications have the same legal effect as written and signed paper communications.
  4. Your Prompt Review of E-Statements.You will be notified by email that your E-Statement is available to view in the Digital Banking Service. This notice will be sent to the email address you specify however we do guaranty the delivery of this notice and reserve the right to cancel this notification at any time. You agree that our posting of the communication in the Digital Banking Service constitutes delivery of the Communication to you. Your receipt of E-Statements does not in any way alter your obligation to promptly review your E-Statements as set forth in your Other Agreement(s). You must promptly access and review your E-Statements and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or other irregularity. If you allow someone else to access your E-Statement, you are still fully responsible for reviewing the E-Statement for any errors, unauthorized transactions, or other irregularities. All provisions as set forth in the applicable deposit account disclosure/agreement(s), terms and conditions, and loan agreements will continue to apply.
  5. Withdrawal of Your Consent. You may withdraw your consent to receive electronic Communications by changing your election within the Digital Banking Service by clicking “Accounts – Statements & Docs –Subscriptions” and following the instructions, calling us at 1-877-367-8178, by writing to Premier Bank, PO Box 248, Defiance OH 43512, Attention: Deposit Operations, or visiting a Premier Bank branch. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal, which shall not be less than ten (10) business days, days on which we are open and conducting business for customers. We may treat an invalid email address as a withdrawal of your consent to receive electronic Communications. If you withdraw your consent to receive electronic Communications, we may terminate your access to or use of the Digital Banking Services.
  6. Obtaining Paper Copies. You may obtain paper copies of electronic Communications by printing them using the “print” feature of your browser while within the Digital Banking Service or calling 1-877-367-8178. We may charge you a reasonable charge, of which we have provided you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization.
  7. Requirements to Use the Digital Banking Service. The minimum hardware and software requirements to access and retain the electronic Communications are: (a) a personal computer or other device with operating system and telecommunications connections to the Internet, capable of receiving, accessing, displaying, and either printing or storing electronic Communications; (b) The most current version of a supported and commonly used Internet browser, such as Internet Explorer, Apple Safari, or Google Chrome, supporting encryption; (c) sufficient electronic storage capacity on your computer’s hard drive or other data store unit; (d) software that enables you to view files in the Portable Document Format (“PDF," Adobe Acrobat Reader® files (this program is available for downloading at https://get.adobe.com/reader/)); (e) a valid email address where you can receive emails with attached or linked PDF documents; and (f) any and all other hardware or software requirements set forth in this Agreement.
  8. Risks of Email. Certain risks are associated with the transmission of Communications through the Internet, including, but not limited to, unauthorized access, systems outages, delays, disruptions in telecommunications services and the Internet. Email is not private or secure. The Communications sent to you by email are an unencrypted, automatic Alert. Although these Communications are not intended to contain personally identifiable confidential financial information, they may contain part or all of your name or other identifier, which could be seen or intercepted by others if delivered to your business address or other computers or electronic devices not exclusively under your control. Do not respond to the Communications by return email, or use it to request information, service, paper copies or other items or to revoke consent. We will not be able to act upon requests made in that manner.
  9. Changes to Your Mailing or Email Address. You agree to notify us immediately of any change in your mailing address or email address. To notify us of your email address change, contact us by phone or through the Digital Banking Service. It is your responsibility to notify us in writing of changes to your mailing address for U.S. Mail delivery of other account documentation, including, but not limited to, all year-end tax reporting documents.
  10. Electronic Signature Agreement and Security. You agree that your use of a keypad, mouse or other device to select an item, button, icon or similar act/action or to otherwise provide us instructions while using the Digital Banking Service or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions, constitutes your signature, acceptance and agreement as if actually signed in writing. Further, you agree that no certification authority or other third-party verification is necessary to validate your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and us. You agree and acknowledge that you will keep your PIN and other security codes and identification data used to access the Digital Banking Service confidential, and you will immediately notify us should you believe that any security device, PIN, or code has been lost, stolen, or that an unauthorized person has electronically accessed your Accounts.
  11. Applicability of Digital Banking Agreement. The E-Statements Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

STOP PAYMENT SERVICE SCHEDULE

  1. General. This Stop Payments Service Schedule establishes the terms and conditions of the Bank’s Stop Payment Service (“Stop Payments”) and sets forth the obligations and responsibilities of the Bank and you with respect to Stop Payments.
  2. Statement of Stop Payments. Stop Payments allows you to electronically place a stop payment request on a check subject to the terms of this Schedule and the Digital Banking Agreement.
  3. Requesting Stop Payments. You agree to the following process in requesting an electronic stop payment:
    1. You must select whether you would like to request an electronic stop payment for a single check or a range of checks.
      1. If you are requesting an electronic stop payment for a single check, you must include in each stop payment request the check number, the exact amount of the check for which payment is being stopped (dollars and cents), the name of the payee identified on the check, the account number on which the check is drawn, and the reason for the stop payment.
      2. If you are requesting an electronic stop payment on a range of checks, you must include in each stop payment the account number on which the checks are drawn and the starting check number and ending check number of the range of checks that are subject to the electronic stop payment request.
    2. You agree to review your account statements and transactions reflected in Digital Banking prior to transmitting a stop payment request and to not transmit any request relating to a check that has been paid already.
    3. You understand and agree that the Bank can only stop a check that shows the same MICR serial number and exact amount of the check as that set forth in the stop payment request. The Bank is not liable for processing any check that does not appear as paid on a statement with the correct check serial number due to defects or damages to MICR information on the check.
    4. You understand and agree that You acknowledge that under certain circumstances, the Bank may pay a check even if a stop payment request is in effect (for example, where a branch becomes a “holder in due course” of the check being stopped).
    5. Any stop payment request shall terminate six months after the hold is placed, unless it is renewed or cancelled earlier. All stop payment requests will be cancelled automatically when the account on which the check is drawn is closed or transferred.
  4. Fees. Any fees associated with Stop Payments are set forth in the Fee Schedule.
  5. Applicability of Digital Banking Agreement. The E-Statements Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

MOBILE DEPOSIT SERVICE SCHEDULE

  1. Generally.This Mobile Deposit Agreement (this “Mobile Deposit Schedule”) between you and the Bank governs your use of the mobile deposit services (“Mobile Deposit Services”) offered through the Mobile App. The Bank offers the Mobile Deposit Services under this Mobile Deposit Agreement in association with one or more deposit accounts maintained by you with the Bank. The Mobile Deposit Service provides you the ability to access and make deposits to your designated accounts using a mobile device with a camera (referred to herein as a “Capture Device,” as further defined below). The Mobile Deposit Service enables you to use a compatible Capture Device to scan an image of original paper checks ("Original Checks") that are drawn on or payable through United States financial institutions (each a "Check Image") and to electronically submit the Check Image and associated deposit information to the Bank from your home or other remote locations using the Mobile Deposit Services for deposit into a designated account for collection thereafter by the Bank. As used in this Mobile Deposit Agreement, a “Capture Device” means any device acceptable to us that provides for the capture of Check Images and for transmission through the clearing process.
  2. Requirements to Use the Mobile Deposit Service. Your use of the Mobile Deposit Services is subject to the following requirements:
    1. To access the Mobile Deposit Service, you must have or acquire and maintain a compatible Capture Device and a wireless plan from a compatible wireless carrier. You must also use the Mobile App. You are responsible for all costs of operating the Capture Device, including without limitation all cellular and Internet service charges. The Mobile App will automatically push any updates or patches for the Mobile Deposit Service. You are responsible for updating the Mobile App when prompted to do so. You agree to implement and maintain internal security controls to protect the Capture Device and any confidential information thereon. You shall be solely responsible for protecting against unauthorized access to the Capture Device and from all losses and damages arising from any unauthorized access to the Capture Device. If you suspect your Capture Device has been lost or stolen, you must notify the Bank immediately by calling 1-877-367-8178.
    2. You may scan and submit Check Images for deposit to the Bank within the dollar limits ("Deposit Limits") established by the Bank. The current daily dollar limit is $2,500. In addition, the current multi-day dollar limit is $5,000.00 per any 20 consecutive business days. The Bank reserves the right to limit the frequency and dollar amount of deposits submitted through the Mobile Deposit Service. If you exceed the Deposit Limits, the Bank may in its sole discretion accept or refuse the Check Image deposit. If at any time the Bank accepts a Check Image deposit that exceeds the Deposit Limits, the Bank will have no obligation to do so in the future. The Bank may at any time at its sole discretion raise or lower Deposit Limits.
  3. Checks Deposited. You agree that you will use the Mobile Deposit Service to scan only Original Checks payable to and properly endorsed by you, drawn on financial institutions in the United States with a valid ABA/Routing Number, denominated in U.S. Dollars, and intended for deposit by you to your designated account with the Bank. All other items may be deposited by alternate methods such as in person or by mail including a completed account deposit slip. You agree that you will not use the Mobile Deposit Service to scan and deposit any checks or other items as shown below, which are considered ineligible items (each a “Prohibited Check”):
    1. Check Images items payable to any person or entity other than you;
    2. Check Images that are payable to you and another party who is not a joint owner on the Account to which you are depositing the item;
    3. Check Images of items drawn on banks located outside the United States;
    4. Check Images of items not payable in United States currency;
    5. Check Images that are illegible or otherwise do not meet the image quality requirements set forth below;
    6. that contain an alteration to any of the fields 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 or item is drawn;
    7. Images of checks previously converted to Substitute Checks (as defined in Reg. CC also known as “Check 21”);
    8. Images of checks that are remotely created checks, as defined in Reg. CC;
    9. Images of checks that are dated more than six (6) months prior to the date of transmission (e.g., a stale check);
    10. Deposits which exceed your daily, per item or rolling 20 business day limit; and
    11. Checks that have previously been submitted through the Service or another remote deposit capture service.
    12. Checks that are not acceptable for deposit into the account as provided in the Terms and Conditions for the account.
    You understand that the Bank is not obligated to accept for deposit any Check Image that the Bank in its sole discretion determines to be ineligible for the Mobile Deposit Service, and the Bank is not liable to you for rejecting any check or image transmitted by you. The Bank further reserves the right to charge back to your account at any time, any item that we subsequently determine was ineligible. You agree that the Bank is not liable for any loss, costs, or fees that you may incur as a result of our chargeback of an ineligible item. If you deposit any Check Image that is ineligible for the mobile deposit capture, you agree to indemnify, defend, hold harmless, and reimburse the Bank and its directors, officers, employees, third party service providers, and agents free and harmless from any and all losses or damages, including attorneys’ fees, lost profits, and indirect or special damages, including, but not limited to, those relating to bank secrecy or financial privacy laws or regulations, that may arise, directly or indirectly, in whole or in part from and against, any and all losses, costs and expenses (including reasonable attorneys’ fees) the Bank or our third party service providers may incur associated with any warranty, indemnity or other claim related thereto.
  4. Grant of Security Interest. If you deposit a Prohibited Check, you agree to indemnify and reimburse the Bank for and hold the Bank harmless from and against, any and all losses, costs, and expenses (including reasonable attorneys’ fees) the Bank may incur associated with any warranty, indemnity, or other claim related thereto. Furthermore, if, after first having obtained the Bank’s written consent to do so, you provide the Bank with an electronic representation of a substitute check for deposit into an Account instead of an original Check, you agree to indemnify the Bank for, and hold the Bank harmless from and against, any and all losses, costs, and expenses (including reasonable attorneys’ fees) the Bank incurs because any such substitute check resulting from such electronic representation does not meet applicable substitute check standards and/or causes duplicate payments. You grant the Bank a security interest in all Accounts or other deposits, to secure your obligations to the Bank under this Addendum. This security interest will survive termination of this Agreement, or the termination of this Schedule or the Service.
  5. Endorsements and Procedures. You agree to restrictively endorse any item transmitted through the Mobile Deposit Service as follows: sign the back of your check with your name and add the words “For Mobile Deposit Only” or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of the Mobile Deposit Service as we may establish from time to time.
  6. Image Quality.You are responsible for the image quality of the Check Image you transmit. Each Check Image must include the front and back of the check, and the following information must be readable: amount, payee name, drawer signature, date, check number, account number, routing and transfer number, MICR line, and any endorsement or other information written on the check. The quality of any Check Image must comply with the requirements established from time to time by American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. You acknowledge and agree that even if the Bank does not identify a Check Image as ineligible, the Check Image may be returned to the Bank because, among other reasons, the Check Image or any Substitute Check created from the Check Image is deemed ineligible by the financial institution upon which it is drawn or any intermediate collecting financial institution. The Bank’s failure to identify a Check Image you transmit to us as ineligible will not preclude or limit your obligations. You authorize us to process any Check Image you send to us or convert a Check Image to a Substitute Check, as defined by Check 21.
  7. Keeping and Destroying Checks After Imaging. Upon your receipt of a confirmation from us that we received an image you transmitted, you agree to retain the Original Check for at least sixty (60) calendar days from the date of the image transmission. We may request to view the Original Check for a variety of reasons, such as we have concerns with the accuracy or validity of the image. Upon our request, and within five (5) business days, you must deliver to us, at your expense, the Original Check. If you do not provide the Original Check in a timely manner, the deposit in question will be reversed from your Account. After sixty (60) days, you agree to destroy the check 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 us upon request. You are responsible if an Original Check is misused for any reason and its full destruction. You are responsible for the safekeeping of all Original Checks.
  8. Availability of Funds. Subject to our Funds Availability Policy, deposits made with Mobile Deposit before 4:00 p.m. will post to your account the following business day (business days are defined as Monday – Friday). If you post after the daily cutoff time, your funds will be available the second business day. Longer delays may occur due to exceeding daily and monthly limits, account status (including whether the Account is considered a “New Account” under our Funds Availability Policy), equipment or communication failure, or other restrictions. Although the Mobile Deposit utilizes technology as a delivery method, checks deposited through this service are NOT considered "electronic direct deposits" for purposes of funds availability. Deposits made through the Mobile Deposit Service are considered to be made in Defiance, Ohio with a 4:00 p.m. Eastern cut-off time. Any deposit made through the Mobile Deposit Service received and confirmed before 4:00 p.m. Eastern on a business day will be credited to your account the next business day. Deposits made through the Mobile Deposit Service which are received and confirmed after 4:00 p.m. Eastern and any such deposits confirmed received on Federal holidays or days that are not our business days, will be credited to your account on the second business day.
  9. Business Days. For determining the availability of your deposits made using Mobile Deposit, every day is a business day, except Saturdays, Sundays and holidays. However, we reserve the right to delay availability based on such factors as the length and extent of your relationship with us, transaction and experience information, when we believe an item will not be paid, when you redeposit a check that has been returned unpaid, when you have overdrawn your account repeatedly in the last six (6) months, due to circumstances outside of our control such as an emergency or failure of computer or communications equipment, or such other factors as the Bank, in its sole discretion, deems relevant. If a hold is applied to a deposit, the Bank will notify you via email and advise when the funds will be available. Any credit to your account is provisional and remains subject to final payment of the checks. You remain liable to the Bank for any returns, dishonor, errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against the Bank with respect to the items deposited.
  10. Termination. You may terminate the use of the Mobile Deposit Service without terminating your use of mobile banking. You or the Bank may terminate your use of the Mobile Deposit Service at any time and for any reason, although your representations, warranties, and obligations will remain in full force and effect. This Mobile Deposit Schedule will remain applicable to any Checks or items that you have submitted prior to termination. Without limiting the foregoing, your use of the Mobile Deposit Service may be terminated if you breach any term of this Mobile Deposit Schedule, if you use the Mobile Deposit Service for any unauthorized or illegal purposes, or you use the Mobile Deposit Service in a manner inconsistent with the terms of any other agreements you may have with the Bank.
  11. Fees. A fee may be charged for using the Mobile Deposit Service. We may change that fee amount from time to time, but the current amount will be disclosed before you choose to submit your deposit transaction. Fees may vary depending on the account type or the length of time before funds are made available. If a fee is assessed in error, contact our Customer Care Center at (877) 367-8178. You authorize us to deduct any such fees from any account in your name with us. You agree to receive such notifications within the Mobile Deposit Service.
  12. Mobile Deposit Service Unavailability. The Mobile Deposit Service may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and/or Internet software. The Bank will not be liable to you in regard to any such unavailability of the Service. In the event that the Mobile Deposit Service is unavailable, you may deposit original checks at one of our branches or at an ATM that accepts deposits.
  13. Representations and Warranties. You represent, warrant, and covenant the following to the Bank:
    1. Each Check Image is a true and accurate rendition of the front and back of the Original Check, without any alteration, and the payer of the check has no defense against payment of the check.
    2. You agree that the image of any Original Check submitted to us is an “item” within the meeting of Article 4 of the Uniform Commercial Code. You further agree that no transaction made using the Mobile Deposit service is an “electronic fund transfer” as defined in the federal Electronic Funds Transfer Act and/or Regulation E.
    3. You are a person authorized to enforce each Original Check or are authorized to obtain payment of each Original check on behalf of a person authorized to enforce the item.
    4. Each Original Check bears all required and authorized endorsements and has not been altered.
    5. You will submit to the Bank only Check Images that are suitable for processing, including, but not limited to, Check Images that are legible and contain machine-readable MICR data.
    6. You will not submit to the Bank for deposit using Mobile Deposit Service any check that is payable jointly unless the check is being deposited into an account in the name of all payees on the check.
    7. You will use the Mobile Deposit Service for lawful purposes only and in compliance with all applicable rules and regulations and our instructions, rules, and specifications.
    8. You have possession of the Original Check, no other party will also submit the Original Check for payment, you will destroy all Original Checks as stated above, and you will notify us immediately if you learn of any or theft of the Original Check.
    9. You will not use the Mobile Deposit service to transmit or deposit any Original Check (i) payable to someone other than you; (ii) which you know or should have known to be fraudulent, altered, unauthorized, or missing a necessary endorsement; (iii) that is drawn on an institution located outside of the United States; or (iv) that is created by you purportedly on behalf of the maker, such as a remotely created check.
    10. You will not deposit into your account with the Bank or any other deposit taking institution, or otherwise negotiate or transfer to anyone, any Original Check that you submitted as a Check Image deposit to the Bank, unless following receipt of your submission, the Bank notifies you that the Check Image is ineligible and not accepted for deposit or that the Check Image or any Substitute Check created from the Image is refused by the financial institution upon which it is drawn.
    11. You will use the Mobile Deposit Services only for your own use in accordance with the terms of this Mobile Deposit Agreement and all applicable laws and regulations. You will not make the Mobile Deposit Services available or transfer your rights to use the Mobile Deposit Services for the benefit of any third party.
  14. Indemnity. In addition to the indemnification obligations set forth in the Digital Banking Agreement, you agree to indemnify, defend, and hold harmless the Bank and its directors, officers, employees, third party service providers, and agents free and harmless from any and all losses or damages, including attorneys’ fees, lost profits, and indirect or special damages, including, but not limited to, those relating to bank secrecy or financial privacy laws or regulations, that may arise, directly or indirectly, in whole or in part from any claims, suits, or demands, of any nature or kind (including without limitation, those brought by third parties) with respect to: (i) any Check Image, Substitute Check, or Original Check processed through the Mobile Deposit Service; (ii) your destruction of the Original Check or any attempted re-presentment of an Original Check; (iii) your use of the Mobile Deposit Service; (iv) your breach of the representations and warranties set forth above or in any agreement with us; (v) your failure to comply with any applicable laws and regulations; (vi) any act or omission of the Bank that is in accordance with this Mobile Deposit Schedule or your instructions; or (vii) any actions by third parties, such as the introduction of a virus, that delay, alter or corrupt the transmission of a Check Image to the Bank.
  15. Return of Checks. You are solely responsible for verifying that Checks that you deposit using the Mobile Deposit Service have been received and accepted for deposit by the Bank. The Mobile App will inform you when the Check has been submitted through the Mobile Deposit Service and you will receive a “Deposit Confirmation” the funds will show in your Available Funds once the check has cleared or the funds have been deposited. The Bank will provide you with any notice of rejected deposit or notice of any deposits that it is unable to process because Checks were returned unpaid by the payor financial institution. You agree to accept such notices in accordance with your agreements with the Bank, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the Check was timely returned or whether there is any other claim or defense that the Check was improperly returned. You understand and agree, that since the original Check is your property, it will not be returned and the Bank may charge back an image of the Check or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original Check or a substitute check. You may not use the Mobile Deposit Service to deposit a substitute check and you may not deposit the original Check through the Service or in any other manner if you receive a dishonored Check. You agree to comply with any additional instructions we may provide you in connection with returned checks.
  16. Errors. You agree to notify the Bank of any suspected errors regarding items deposited through the Mobile Deposit Service right away, and in no event later than thirty (30) days after the applicable the Bank account statement is sent. Unless you notify the Bank within thirty (30) days, such statement regarding all deposits made through the Mobile Deposit Service shall be deemed correct, and you shall be precluded from bringing a claim against the Bank for any such alleged error.
  17. Limitations of Services. The Bank’s ability to provide the Mobile Deposit Service is conditioned upon the availability of the wireless or computer services and systems used in transmitting your requests and the Bank’s response. The Bank shall not be liable or responsible for any loss or damage incurred due to the failure or interruption of the Mobile Deposit Service, wireless or computer services, or systems, resulting from the act or omission of any third party or other causes not reasonably within the Bank’s control. In the event the Mobile Deposit Service is unavailable for any reason, items may be deposited by alternate methods such as in person or by mail including a completed account deposit slip. We reserve the right to change, suspend, or discontinue the Mobile Deposit Service, in whole or in part, or your use of the Mobile Deposit Service, in whole or in part, immediately and at any time without prior notice to you.
  18. Applicability of Digital Banking Agreement. The Mobile Deposit Service and this Schedule are subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”). To the extent of any conflict between the terms of this Schedule and the terms of the Agreement with respect to this Service, the terms of this Schedule will control with respect to this Service.

ZELLE® NETWORK TRANSFER SCHEDULE

  1. Description of Services:
    1. Premier Bank (also referred to as the "Bank," "us," "we," or "our") has partnered with the Zelle Network® ("Zelle®") to enable a convenient way to transfer money between customers of Premier Bank (as referred to as "you," "your," or "yours") 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.
    4. The language in this Schedule to the Premier Bank Online Banking Customer Agreement is intended to supplement and not replace any of the information contained within our Electronic Funds Transfers Disclosure. For more information about your rights related to electronic funds transfers, please review the Electronic Funds Transfer Disclosure.
  2. Eligibility and User Profile. When you enroll to use the Service you agree to the terms and conditions of this Zelle Network® Standard Terms Schedule to the Premier Bank Online Banking Customer Agreement ("Agreement"). If there are any conflicts between the terms of the Premier Bank Online and Mobile Banking Agreement, any other agreement between you and the Bank, and this Zelle Network® Transfer Service Schedule, this Schedule shall control as to the Zelle® Service.
    In order to use the Zelle® Service, you must have an eligible bank account and currently be enrolled in Online banking. You represent that you have the authority to authorize debits and credits to the enrolled bank account. You represent that you are at least eighteen (18) years of age and have the authority to authorize debits and credits to the registered bank account. You agree that there may be other eligibility requirements that apply to participate in the Service (e.g., you must have a U.S. bank account and U.S. phone number, and a debit card issued in conjunction with a U.S. domestic deposit account (no U.S. territories)), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Service. Except as required by applicable law, in no event shall we or Zelle® be liable for any claims or damages resulting from your scheduling of prohibited payments.
    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. 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. You agree that you will not use the Service to conduct any of the following kinds of payments:
    • Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States); and
    • Payments that violate any law, statute, ordinance or regulation; and
    • Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction; and
    • Payments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to, casino games, sports betting, horse or dog racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; and
    • Payments relating to transactions that (1) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or multi-level marketing programs, (2) are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (3) are for the sale of items before the seller has control or possession of the item, (4) constitute money-laundering or terrorist financing, (5) are associated with the following "money service business" activities: the sale of traveler's checks or money orders, currency dealers or exchanges, or check cashing, or (6) provide credit repair or debt settlement services; and
    • Tax payments and court ordered payments.
    The Service is intended for personal use, 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. If you use the Zelle® Service for business or commercial purposes, any portions of the Electronic Funds Transfer Disclosure that apply to consumer payments will not apply to your use of the Zelle® Service.
    Content Standards; Acceptable Use: 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. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service. In addition, you are prohibited from using the Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Service, or interfere or attempt to interfere, with the Site or the Service; or (j) may cause us or our Zelle® to lose any of the services from our Internet service providers, payment processors, or other vendors.
    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 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 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 misleads or deceives other Users of the 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 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.
    We may amend this Schedule to the Agreement, and/or alter, change, or modify the Services provided under the terms of this Agreement or any supplemental agreement at any time in our sole discretion. Any such change will be effective as of the date we establish or as required by Applicable Law. We will notify you of any such changes by posting the amended Agreement on our website along with a notice that this Agreement has been amended, or by another other reasonable method. For any change that would (i) increase the fees we charge, (ii) increase your liability, (iii) limit the types of payments or transfers or the dollar amounts or frequency of such payments or transfers, we will provide you such notice in advance of the effect date of such changes of at least equal to the lesser of: (i) notice period required in the Applicable Law or (ii) (30) days. Your continued use of the Services shall constitute your agreement to such amendment. In addition, the Bank may revise or update the programs, Services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the programs, Services, and/or related materials.
  3. Definitions. Except as otherwise provided in this Agreement, terms defined in the Premier Bank Online and Mobile Banking Agreement have the same meaning in this Agreement. In addition, in this Agreement:
    • "Deposit Account" means a transaction account that has been identified by the financial institution holding the account as eligible to receive funds from Transfer Transactions.
    • "Funding Account" means a transaction account that has been identified by the financial institution holding the account as eligible to serve as a funding account for Transfer Transactions.
    • "Network Bank" means any financial institution which is participating in, or cooperating with Zelle® and the Transfer Service. We are a Network Bank.
    • "Transfer Transaction" means a transaction initiated through the Transfer Service to:
      • transfer funds out of your Funding Account to a User;
      • receive a transfer of funds into your Deposit Account from a User;
      • send a request to a User asking the User to transfer funds to you using the Transfer Service; and/or
      • receive a request from a User asking you to transfer funds to them using the Transfer Service.
    • "User" means a person who is any one or more of the following:
      • an individual, business or government agency enrolled in the Transfer Service through any Network Bank;
      • a business that uses the Transfer Service through any Network Bank to send money to another User;
      • an individual or business that is enrolled in the Transfer Service directly with Zelle® to receive funds at the User's Financial Institution; or
      • an individual, or business that is not yet enrolled in the Transfer Service, but with whom you attempt to initiate a Transfer Transaction.
    • "User's Financial Institution" means any financial institution, including a Network Bank, holding a User's account that the User has authorized to send or receive a transfer of funds as a result of a Transfer Transaction.
    • "You or Your" means each Owner of a Deposit Account and Funding Account.
    • "We, Us, Our and Premier Bank" means Premier Bank and any of its affiliates or direct or indirect subsidiaries, involved in the provision of the Transfer Service.
    • "Zelle®" refers to the Zelle Network® operated by Early Warning Services, LLC, which facilitates the exchange of Transfer Transaction messages between financial institutions.
  4. Consent to Share Personal Information (Including Account Information). You authorize each Network Bank to use the email addresses and telephone numbers that are associated with you to process and route Transfer Transactions to and from your Funding and Deposit Accounts. In particular, if you:
    • receive notice of a Transfer Transaction via any email address or via text message at any telephone number, and
    • authorize or accept completion of the Transfer Transaction, then
    You are also authorizing all Network Banks and Zelle® to associate that email address or telephone number with you and with your Funding and Deposit Accounts. You agree that we may provide information about you to:
    • any User you contact or attempt to contact, communicate or attempt to communicate with, send or attempt to send funds to, or receive or attempt to receive funds from, using the Transfer Service, and
    • any User's Financial Institution, Zelle®, or any other person engaged in processing, facilitating, or delivering Transfer Transactions to which you are a party.
    The information we provide may include your name (first and last name), address, telephone number, email address, and your Zelle® QR Code. You irrevocably waive any provision of the Premier Bank Privacy Policy or the Digital Banking and Online Privacy Policy, which would prevent us from providing this information in connection with any Transfer Transaction to which you are a party. As more fully explained in the Premier Bank Privacy Policy, we share this information for the purpose of processing transactions and to conduct everyday business associated with your Zelle® Transfer Transactions.
  5. Additional Provisions Concerning Use of Information. You agree that we may obtain such additional information as we deem reasonably necessary to ensure that you are not using our Transfer Service in violation of law, including, but not limited to, laws and regulations designed to prevent "money laundering" or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.
    You understand that in order to complete fund transfers using the Transfer Service, it may be necessary for us to communicate with other financial institutions and other participants in the Transfer Service concerning the Transfer Transactions. You agree that we may use, copy, modify, update, display, and distribute to other persons any information or data you provide to us for the purpose of processing Transfer Transactions or providing the Transfer Service, and you give us a license to do so.
    You authorize us and other Network Banks to use information you provide to us, and information concerning your Transfer Transactions in order to:
    • initiate and complete Transfer Transactions,
    • provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Transfer Service.
    • investigate any claim related to your account or the funds you send or receive,
    • to comply with government agency or court orders,
    • in accordance with your written permission, or
    • as otherwise permitted in accordance with the terms of our Privacy Policy and the Digital Banking and Online Privacy Policy.
    Your authorization includes, but is not limited to, providing such information to:
    • Users to whom you send or attempt to send funds, or from whom you receive or attempt to receive funds, using the Transfer Service,
    • Zelle®,
    • User's Financial Institutions, and
    • any intermediary or service that is in any way facilitating or processing the Transfer Transaction.
    We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants.
    Each time you use the Transfer Service, you represent and warrant to us that:
    • you have the right to authorize us to access your Funding Account to effect fund transfers or for any other purpose authorized by this Schedule,
    • you are not violating any other person's rights when you provide us information and instruct us to initiate or complete a fund transfer, and
    • all the information you provide to us is true, current, accurate, and complete.
    We will maintain audit logs that track your access, view, and use of electronic data in connection with your use of the Transfer Service. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Transfer Service participants.
  6. Privacy and Information Security. We make security and the protection of your information a top priority. You can access our Privacy Policy and the Digital Banking and Online Privacy Policy at: YourPremierBank.com/Privacy-Matters, which Privacy Policy and the Digital Banking and Online Privacy Policy are incorporated into and made a part of this Agreement by this reference.
  7. 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 disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle® with your wireless operator account profile information for the duration of our business relationship. See Zelle®'s Privacy Policy [https://www.zellepay.com/privacy-policy] for how Zelle® treats your data and our Privacy Policy and the Digital Banking and Online Privacy Policy for how we treat your data.
  8. 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. We reserve the right to cancel any enrolled email addresses or mobile phone numbers that do not meet the requirements of this section at any time without prior notice.
    2. Once enrolled, you may:
      1. authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and
      2. 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 theU.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.
    4. Once enrolled, a Z logo will appear on your profile picture for each U.S. mobile number and/or email address that you have enrolled with Zelle®. The Z logo will be displayed to other Users to aid them in determining which of your U.S mobile numbers or email addresses should be used to send money with Zelle®. If a User sends you money using a different U.S. mobile number or email address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how to enroll with Zelle®.
  9. Consent to Emails and Automated Text Messages. By participating as a User, you represent that you are the owner of the email address, U.S. mobile phone number, Zelle® tag, 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, U.S. mobile phone number, Zelle® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle®, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the 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. To change your email address or mobile phone number, you must provide us with notice of the change in writing. Address and mobile phone number changes may be initiated: a) at your request, in writing, b) if we receive notice of change to your email address or mobile phone number from any Network Bank or any common carrier, or c) if we receive information from any other party that the email address or mobile phone number in our records no longer is associated with you. We may continue to rely on any email address or telephone number that has been provided to us until you notify us in writing of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.
    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. You understand and agree any emails or text messages sent through the Zelle® Service may not be encrypted and may include personal or confidential information about you, such as the activity or status of your account. You agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, email address, or any other delivery location that is not your own or from your violation of applicable federal, state, or local laws, rules, regulations, or ordinances. Your obligations under this section shall survive termination of this Zelle® Schedule.
    6. To cancel text messaging from us, send STOP to 20736. For help or information regarding text messaging, send HELP to 20736 or contact our customer service at: 1-877-367-8178. You expressly consent to receipt of a text message to confirm your "STOP" request.
    7. Supported Carriers: Transfer Service text messages are supported by many mobile carriers. Please check with your individual mobile carrier to confirm availability
    8. In the event you ever withdraw this consent, and notwithstanding that withdrawal, you expressly authorize us to use any of the methods described above to send you messages confirming your instructions sent to us via text message, including a confirmation from us in the event you withdraw your consent.
    9. Your phone service provider is not the provider of the Zelle® or the Services. Users of the Service will receive text messages relating to their Transfer Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised.
  10. Receiving Money; Money Transfers by Network Banks. Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle® tag 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.
  11. 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.
  12. 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 PROTECTTION 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).
    YOU AGREE THAT NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED BY YOU AS A RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) OUR ABILITY OR INABILITY TO DEBIT AND/OR CREDIT THE ACCOUNTS IN ACCORDANCE WITH YOUR FUNDS TRANSFER INSTRUCTIONS; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED ON THE ACCOUNTS; (4) ANY CHARGES IMPOSED, OR ACTIONS TAKEN, BY ANY NON-PREMIER BANK FINANCIAL INSTITUTION; (5) ANY FUNDS TRANSFER LIMITATIONS SET BY THE NON- PREMIER BANK FINANCIAL INSTITUTIONS; AND/OR (6) LIABILITY ARISING FROM THE RECEIPT OR NON-RECEIPT OF THIRD PARTY NOTIFICATIONS SENT TO TRANSFER FUNDS RECIPIENTS' EMAIL ADDRESSES OR MOBILE PHONE NUMBERS PROVIDED TO US.

    We will use reasonable efforts to complete all your Transfer Instructions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances: (1) if, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the Payment Instruction or the Payment Instruction would exceed the credit limit of your overdraft account; (2) the Services are not working properly and you know or have been advised by us about the malfunction before you execute the Payment Instruction; (3) you have not provided us with the correct information, including but not limited to the correct Transfer Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a Payment Instruction; and/or, (4) circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the Payment Instruction.
  13. Send Limits. We reserve the right, at any time at our sole discretion, to impose limits on the amount(s) and/or number of payments you may send, receive, or request over a certain period of time. If you attempt to send, receive, or request payment(s) in excess of these limits, such payment may be rejected. If you are permitted to send, receive, or request payment(s) in excess of these limits, such payment shall be subject to this Agreement and we are not obligated to accept similar payment(s) in the future.
    All transfer transactions are subject to the terms and conditions of your account and regulations governing your account. Transfer limits, if any, applicable to the holder of the accounts for the transfer of funds to your deposit account or receiving transfers to their accounts are governed by terms of that party's transfer service.
  14. 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.
  15. Transaction Errors. You understand that we must rely on the information provided by you and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you, to submit fund transfer instructions on your behalf. You understand that financial institutions receiving the fund transfer instructions may rely on such information. We are not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You agree to accept full responsibility for losses resulting from any of your errors, duplication, ambiguities, or fraud in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, we reserve the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.
  16. Your Liability for Unauthorized Transfers. The provisions in this Section apply only to electronic fund transfers (EFTs) that debit or credit a consumer's checking, savings, or other asset account and are subject to Regulation E, which implements the federal Electronic Fund Transfer Act, and do not apply to business accounts or your use of the Zelle® Services for business or commercial purposes.
    When applicable, we may rely on any exceptions to the provisions in this Section that are covered in Regulation E. All terms in this Section not defined in this Schedule but defined in Regulation E will have the meaning given in Regulation E. Nothing in this Agreement will be construed to limit any rights that you have under the Electronic Fund Transfer Act or under Regulation E. This section supplements the Premier Bank Electronic Funds Transfer Disclosure. In the event of a conflict, the Premier Bank Electronic Funds Transfer Disclosure will control. More information regarding errors or questions about transfers from or to your account are contained in the Premier Bank Electronic Funds Transfer Disclosure.
    Generally. Tell us AT ONCE if you believe your Zelle® password, login credentials, card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your Zelle® password, login credentials, card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.
    If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
    Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days of your statement date, regardless of how we make your statement of account available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
    Additional Limits on Liability for MasterCard® Debit Card. You will not be liable for any unauthorized transactions using your Debit Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated
    Contact in event of unauthorized transfer. Here's how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made:
    • Phone: 1-877-367-8178
    • Paper Mail. [Premier Bank PO Box 248 Defiance, OH 43512
    • Online. Sign on to the Service with your username and password and use the appropriate form.
    In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this document, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days of your statement date, regardless of how we make your statement of account available to you on which the problem or error appeared.
    1. Tell us your name and account number (if any).
    2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    3. Tell us the dollar amount of the suspected error.
    If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
    If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
    We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
  17. Liability for Failure to Complete Transfers. In using the Service, you are requesting us to attempt to make payments for you from your registered bank account. If we are unable to complete the Transfer instruction for any reason associated with your registered bank account (for example, there are insufficient funds in your account, or the Transfer instruction would exceed the credit or overdraft protection limit of your registered bank account, to cover the payment), the Transfer instruction may not be completed. In some instances, you will receive a return notice from us. In each such case, you agree that:
    1. You will reimburse us immediately upon demand the amount of the Transfer instruction if we have delivered the payment to the receiver but there are insufficient funds in, or insufficient overdraft credits associated with, your registered transaction Account to allow us to complete the debit processing;
    2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;
    3. You may be assessed a fee by Zelle® and by us if the Transfer instruction cannot be debited because you have insufficient funds in your registered bank account, or the transaction would exceed the credit or overdraft protection limit of your registered bank account, to cover the payment, or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your fee schedule from us (including as disclosed on the Site) or your account agreement with us. You hereby authorize us to deduct these amounts from your designated registered bank account, including by ACH debit;
    4. You will reimburse us for any fees or costs we incur in attempting to collect any amounts from you; and
    We are authorized to report the facts concerning the return to any credit reporting agency.
  18. Payment Cancellation/Stop Payment Requests. Our ability to stop a Transfer instruction or recover funds associated with an unauthorized Transfer instruction will depend on the manner in which the Transfer instruction was initiated, and whether the Transfer instruction to another User's account has begun processing. We may not be able to cancel Transfer instructions as the Transfer instructions may be processed immediately. Transfers that have been processed cannot be cancelled or stopped. You agree that you, and not we, will be responsible for resolving any payment dispute with any User to whom you send money through a transfer.
    We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) days after contacting the Bank at: 1-877-367-8178. If we charge you to stop the payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out in our current Fees disclosure.
  19. Failure or Rejection of Transfers; Refused Payments. We do not make any representation or warranty that any Transfer can be completed or that it can be completed within a particular time period. Any estimates we may provide concerning the completion date for the Transfer is only an estimate and is not binding on us. You understand and agree we have no control over the actions of other Users or other financial institutions that may prevent or delay a Transfer. You understand and agree that we may not be able to complete a transaction if (i) the receiving User does not enroll in the Zelle® Service or (ii) the receiving User does not register with the Zelle® Service the email address or telephone number you have provided to us for the User.
    If you do not have enough money in your Funding Account to make a Transfer, we may reject the transaction. We reserve the right to decline to initiate or complete a Transfer for any reason. We reserve the right to refuse to pay any User. We will attempt to notify the sender if we decide to refuse to pay a User designated by the sender. Notification is not required if you attempt to make an impermissible payment under this Agreement.
  20. Returned Payments. You understand that Receivers may reject Transfer Instructions or otherwise return payments only if the Receiver is not enrolled in Zelle®. We will use reasonable efforts to complete a Transfer initiated through the Transfer Services.
  21. Fees. We do not charge a fee for using the Transfer Service. However, fees associated with text messaging may be assessed by your mobile carrier, and data rates may apply. Account fees (e.g., monthly service, overdraft) may also apply to your account(s) that you use for the Transfer Service. In addition, fees may apply if you use the Transfer Service through another financial institution or through Zelle®'s separate transfer service website or mobile app. We reserve the right to assess fees in connection with the Transfer Service in the future. If we do assess fees, we will give you reasonable notice as required by law and deduct any applicable fees from the Funding Account used for the Transfer Transaction.
  22. Use of Our Online Banking Site and/or Mobile App. You agree to access this website and/or mobile app in compliance with our Premier Bank Online Banking Customer Agreement which are available at: yourpremierbank.com/libraries/media/fis/ceb_disclosure.pdf and incorporated into and made part of this Agreement by this reference.
  23. Cancellation of the Service. You may cancel services at any time by calling the service center at: 1-877-367-8178 (Toll Free). We may terminate your use of the Services, in whole or in part, at any time and for any reason without prior notice. Your access to the Services will be terminated automatically if your Account is closed, or access to your Account is restricted, or for any reason. We reserve the right to unilaterally suspend or terminate your access to the Services in the event there is any incident involving fraud, suspected fraud, or similar conduct in connection with the Services.
  24. Right to Terminate Access. You agree that unless otherwise required by applicable law or regulation, we can terminate your access to the Transfer Service, in whole or in part, at any time. For example, in the event (i) you violate any terms of this Schedule or the Online and Mobile Banking Agreement, (ii) there are suspected or confirmed unauthorized or fraudulent transactions related to your Funding Account, Deposit Account or use of the Transfer Service, or (iii) we incur problems with your use of the Transfer Service, you agree that we may suspend or terminate your access to the Transfer Service at any time.
    We may, in our sole discretion, at any time and without prior notice to you or other Transfer Service participants, suspend or terminate:
    • the Transfer Service,
    • your ability to send or receive funds through a Transfer Transaction,
    • your ability to send funds through a Transfer Transaction, while continuing to permit you to receive funds through a Transfer Transaction,
    • your ability to request funds from another User, or
    • your ability to receive requests for funds from another User
  25. Disclaimer of Warranties. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER ZELLE® NOR THE BANK MAKES ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE® AND THE BANK EXPRESSLY DISCLAIM 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. NEITHER ZELLE® NOR THE BANK MAKES ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
  26. Limitation of Liability. EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE®, THE BANK,THEIR 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® OR THE BANK HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR ZELLE® OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. 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®, THE BANK, OR THEIR 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).
    Subject to our obligations under applicable laws and regulations, 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).
  27. 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 or otherwise provided in the Premier Bank Electronic Fund Transfer Act Disclosure, you agree to indemnify, defend and hold harmless Zelle®, the Bank, their 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.
  28. Miscellaneous. You agree that this Agreement is the complete and exclusive statement of the agreement between us, sets forth the entire understanding between us and you with respect to the Services and supersedes any proposal or prior agreement, oral or written, and any other communications between us. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. If there is a conflict between the terms of this Agreement and something stated by an employee or contractor of ours (including but not limited to its customer care personnel), the terms of the Agreement will prevail.
    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.

YOURCREDITSCORE SERVICE SCHEDULE

  1. The YourCreditScore Service is provided through an arrangement with SavvyMoney, Inc. and subject to the SavvyMoney Terms of Service and SavvyMoney Privacy Policy.
  2. Applicability of Digital Banking Agreement. Your access to the YourCreditScore Service through the Digital Banking Service is subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”).

YOURMONEY SERVICE SCHEDULE

  1. The YourMoney Service is provided through an arrangement with Yodlee, Inc. and subject to the Yodlee Fastlink Terms of Use.
  2. Applicability of Digital Banking Agreement. Your access to the YourMoney Service through the Digital Banking Service is subject to the General Terms and Conditions contained within the Digital Banking Agreement (the “Agreement”).