Disclosures

Disclosures

Use of Information & Materials

Any person is hereby authorized to view the information available from this website for informational purposes only. No part of this information may be redistributed, copied, or reproduced without the prior written consent of Seaside or its subsidiaries or affiliates. The product and fee information presented in this website represent Seaside’s offerings as of the most recent update. Rules, Regulations, Fee Schedules, and Service Agreements currently in effect take precedence over any information herein. The information contained in these pages is subject to change without notice. The company information contained in this site is provided for informational purposes only and is not a solicitation or offer to sell securities, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities. Neither Seaside, nor any of its subsidiaries or affiliates is acting as an advisor or fiduciary by publishing any information contained in this site.

No Warranties

The information and materials contained in the website are provided “as is” without warranty of any kind, either express or implied, including without limitation, any warranty of accuracy, adequacy or completeness of the information and materials, title, non-infringement of third party rights, merchantability, fitness for a particular purpose and freedom from computer virus.

Limitation of Liability

In no event will Seaside or any of its subsidiaries or affiliates be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this website, use thereof or reliance on any information contained herein, even if Seaside or any of its subsidiaries or affiliates are notified of the possibility of such damages.

Choice of Law, Unenforceability

Your access to and use of this website, and these terms, are governed by and will be construed in accordance with the laws of the State of Florida, without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Business Internet Banking Disclosure

System hours of operation are generally 24 hours a day, seven days a week. Scheduled maintenance may occur on Sunday from 2 a.m. to 9:00 a.m. EST.

  • Customer Support

    Operational Support is available on business days at 1-800-593-4345 from 8:00 a.m. to 8:00 p.m. Eastern Time. Additional customer support is available on business days at 407-567-2222 from 8:00 a.m. to 5:00 p.m. Eastern Time via mail message within the system entitlement menu under Customer Support and Contact Us.
  • Business Days

    Business days are Monday through Friday, with the exception of federal holidays. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Seaside on the next business day.
  • Account Access

    Subject to the terms of the Business Internet Banking Service Agreement, you will generally be able to access your accounts through the bank website 24 hours a day, seven days a week. At certain times, Internet Banking may not be available due to scheduled system maintenance or circumstances beyond our control. Account access may be gained by calling Seaside’s Customer Service during regular business hours. Scheduled downtime for routine system maintenance will be performed on Sundays between the hours of 2:00 a.m. and 9:00 a.m. Eastern Time. The following services are subject to the following cutoff hours (Eastern Time) on business days:

    • Wire Transfers Domestic — 4:00 p.m. & Wire Transfers International — 2:30 p.m.
    • ACH payment and collection — 4:00 p.m.
    • Stop payment — 11:00 p.m.
    • Bill payment — 9:00 p.m.
    • Book/Express transfer — 11:00 p.m.
  • Termination

    Either you or Seaside may terminate these arrangements at any time by giving written notice to the other. The termination is effective immediately upon Seaside’s receipt of your written notice to terminate or Seaside’s mailing you of its written notice to terminate. These arrangements will be governed by and construed in accordance with the laws of Florida.

USA Patriot Act

Customer Identification Requirements

In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customers’ identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.

Luxury Expenditure Policy

Policies & Procedures

Date: February 2013

I. Purpose

Seaside Bank and Trust is characterized by high ethical, moral and business standards. Our bank’s focus is on the “Client Experience” and doing what is right. It is the expectation that the conduct and actions of all Seaside Professionals be aligned with this focus. It is important that expenses within the company are aligned with the best interest of our clients, professionals and shareholders.

This policy is not intended in any way to limit or restrict the normal and customary expenditures for business development, employee training, retention, moral, or the ongoing operation of the company. It is critical for Seaside Bank and Trust to maintain its branding integrity and for delivery of the Seaside client experience.

II. Person Affected

All persons employed by Seaside Bank and Trust.

III. Policy

For our Officers, Directors and Professionals, Seaside Bank and Trust’s policy prohibits excessive luxury expenditures outside of our well-defined strategic plan. These may include excessive expenditures on entertainment or events, office and facility renovations, aviation or other transportation services, or other activities or events that are not reasonable expenditures for staff development, reasonable performance incentives, or other similar measures conducted in the normal course of business operation.

Entertainment is defined as an activity that a professional or executive would use company funds for business development purposes relating to current client(s) or prospective client(s) or to further enhance Seaside’s marketing efforts.

The expectation is that all expenses incurred on behalf of the bank would be for company purposes and used to cultivate business for the bank. Reasonable events and entertainment involving clients is a necessary part of our marketing efforts and is not deemed as a violation of this policy.

Office and facility renovations should be relative to Seaside’s branding initiative and client experience. It is important for the company to protect its branding efforts. Spending on office and facility renovations should be aligned with the client experience and efforts to deliver excellent service.

Transportation/travel for Seaside professionals for company business should be conducted in the most cost appropriate way for the bank. The finance department will determine which mode of transportation is the most appropriate for our Company and our Shareholders. Modes of transportation to be used may consist of vehicle, commercial air service and private air service. A determination of transportation analysis should factor in cost, efficiency and timeliness of travel.

Expenses for activities or events should enhance Seaside Professional staff development, provide reasonable performance incentives for employees or otherwise be conducted in the normal course of operating our business.

IV. Expenditure Approvals

In accordance with established procedures, senior management will approve all expenditures for their area of responsibility. These expenses will be reviewed by our Finance department prior to reimbursement. Expenditures for the CEO will be reviewed by the Chairman of the Board.

Any new capital expenses or an expense out of the normal routine operation of business is reviewed and approved by the CEO or CFO prior to the expense being incurred.

The CFO certifies all expenditures via the check signing process.

V. Practice

All Seaside Professionals are expected to act in accordance with this policy in practice and in spirit. It is expected that all business decisions be made with the benefit of all of our constituents in mind: clients, shareholders, fellow teammates and community.

It is the responsibility of all Seaside Professionals to report any violations of this policy to the CEO, CFO or the Director of Human Capital. Upon learning of any alleged violation, Seaside management will promptly investigate the matter and take appropriate steps, which may include disciplinary action up to and including termination of employment.

This policy will be approved by the Board of Directors annually.

VI. Revisions

Seaside Bank and Trust reserves the right to cancel or modify this policy, at its sole discretion, at any time. The CEO, CFO or the Director of Human Capital must approve revisions to this policy. The Board of Directors will review and have final approval of any revisions.

VII. Contact

Any questions regarding this policy should be directed to the Finance, Compliance or Human Capital Departments.

 


Private Internet Banking Information

Private Internet Banking Agreement and Disclosure

Introduction:

This Internet Banking Access Agreement for accessing your personal accounts via Seaside Bank and Trust Online Banking explains the terms and conditions which govern online account activity. By using the online financial services provided by Seaside, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Florida.

The term “business day” refers to every day except Saturday, Sunday and Federal Banking Holidays.

Accessing Your Accounts:

In order to activate Online Banking, you must have at least one account with Seaside. As a customer of Seaside, you may access your accounts by selecting and using an online password. You should keep your User ID and Password in a secure location and safeguard its confidentiality. Any person having access to this information will be able to access Online Banking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible.

To enroll in Online Banking you will be required to choose a User ID and Password known only to you. The User ID is case sensitive and must meet the following criteria:

  • Must contain at least two alpha and at least two numeric characters
  • Must be at least eight (8) characters, but no more than thirty two (32) characters

It is critical that you choose your password wisely. The password you choose is case sensitive and must meet the following criteria:

  • Must contain at least one alpha and at least one numeric character
  • Must be at least eight (8) characters, but no more than thirty two (32) characters
  • Your password may not be the same as your User ID

The user can change their password through Online Banking at any time, and occasional password changes are recommended. You will be asked to change your password at least once in a twelve-month period. You must notify us immediately if you believe that your password has been compromised.

Supporter Browser List (as of 03/2020):

Your browser is an important part of the overall security measures designed to protect your Internet banking transactions. We support the following operating systems and browsers:

For Browsers:

Operating System

Apple Safari®

Microsoft Internet Explorer

Mozilla Firefox®

Google Chrome™

Windows 8.1

11.0

73.0

80.0

Windows 10

Edge 80.0.361.50

73.0

80.0

Mac OS X 10.13 (High Sierra™)

12.0.1

73.0

80.0

Mac OS X 10.14 (Mojave™)

13

73.0

80.0

Note: Cookies and JavaScript must be enabled.

For Tablets:

Operating System

Apple Safari®

Microsoft Internet Explorer

Mozilla Firefox®

Google Chrome™

iOS 12.0

Android

Note: Cookies and JavaScript must be enabled.

Terms and Conditions:

The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure. Seaside reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service, contact your Client Advisor or local office.

Balance Information:

You may access any eligible Seaside account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry.

If you do not access your accounts via Online Banking for any three-month period, Seaside reserves the right to disconnect your service. You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at Seaside.

If you wish to cancel any of your Online Banking services, please contact your Client Advisor or local office, e-mail us at clientcare@seasidebank.com, or send us cancellation instructions in writing to: Seaside Bank and Trust, Attn: Bank Operations, PO Box 2309, Orlando, FL 32802-2309. Email transmitted over the Internet is generally not secure. Information of a confidential or sensitive nature should not be sent via email.

In Case of Errors or Questions About Online Banking:

Please contact Client Care at 1-888-881-7628 in regards to errors or questions about your Online Banking service, or write to us at:

Seaside Bank and Trust
Attn: Deposit Operations
PO Box 2309
Orlando, FL 32802-2309

Refer to the Electronic Funds Transfer Policy provided at account opening. It outlines how errors and questions on electronic funds transfers are processed.

Fees and Charges:

There are no monthly fees for viewing accounts or transferring funds between accounts. Please see the Private Banking brochure and/or the Schedule of Fees for any additional services charges that will apply.

We reserve the right to change the fees, charges or other terms outlined in this agreement. We will notify you of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing or discontinuing the service to which the changes relate.

Changes to fees applicable to specific accounts are governed by the applicable account disclosure.

Hours of Accessibility:

You may access Online Banking at Seaside seven days a week, twenty-four hours a day. Necessary system maintenance will be scheduled for hours in which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system, a Publix Presto! ATM machine or a branch office to conduct your transactions.

Customer Rights and Responsibilities:

In addition to this agreement you agree to be bound by and comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions. If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, or changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us, call 888-881-7628, e-mail at clientcare@seasidebank.com or call your Client Advisor. Email transmitted over the Internet is generally not secure. Information of a confidential or sensitive nature should not be sent via email.

Stop Pays:

Stop pays will be processed the same day as long as they are received before 4:00 p.m. EST. We WILL NOT be liable if you, or anyone you allow, supply any incorrect or incomplete information that affects said transaction. The bank uses a computer system to check for stop payments. If you do not give the bank the exact amount of the check and the exact check number, the bank will not identify the proper check and the check will not be stopped. We will not be liable if circumstances beyond our control (such as fire, flood, or improper transmission) keep us from receiving the stop payment order, despite reasonable precautions taken by us, or if any electronic terminal, telecommunications device, or any part of the electronic system is not working properly. Stop payments on ACH/EFT items cannot be placed online. Please contact your local branch office.

Stop Payment Agreement:

You agree that unless your stop payment order is received by the bank within a reasonable time for the bank to act on your order prior to final payment of the check, the bank will not be responsible for stopping payment. You agree that you may not stop payment on any type of ACH/EFT transfers including Point of Sales and Pre-authorized ACH transactions, any Cashiers Check, certified check or other financial institution check you have purchased from the bank, or any check of which the bank has guaranteed. You understand that your stop payment request is conditional and subject to the bank’s verification that the check has not already been paid or that some other action to pay the check has not been taken by the bank. A stop payment order against a check is effective only against the check that is described in the online stop payment order. A written stop payment order is effective for six (6) months only and will expire automatically at that time unless you have specifically renewed it prior to expiration.

Indemnification:

You agree to indemnify, defend and hold the bank harmless against all costs, including attorneys fees, actions, damages or claims related to or arising from the bank’s action in refusing payment of the check, including claims of any joint depositor, payee or endorsee or in failing to stop payment of a check, as a result of incorrect information provided by you. You agree to notify the bank promptly upon the issuance of any duplicate check, which replaces the check subject to this order or upon return of the original check.

Limitations on Bank Liability:

The bank will not be responsible for the following incidents, errors or failures:

  • Access – The bank will not be responsible for failure to provide access to Online Banking at Seaside due to a system failure or due to other unforeseen acts or circumstances.
  • Your Computer Equipment or Software- We will not be responsible for any error or failures from a malfunction of your computer or any computer virus or other problems related to your computer equipment used with Online Banking. The bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer, Netscape Navigator, or otherwise), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken, or Microsoft Money), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Seaside.

Electronic Mail (E-mail):

You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal or financial information by e-mail. There may be times when you need to speak with someone immediately, in these cases, contact your Client Advisor.

 

Online Bill Payment Agreement

This Agreement between you and Seaside Bank and Trust governs the use of Online Bill Payment within our Private Internet Banking service. This Agreement supplements your Private Internet Banking Online Banking Agreement and other deposit agreements with Seaside.

The Bill Payment service permits you to use your Internet-enabled device to direct payments from your designated Online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment service, you can pay bills from your Bill Pay Account to businesses or individuals.

All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly or monthly intervals (a “recurring payment”). If a recurring payment is chosen, the bill will be paid automatically each billing period. If the payment is not a recurring payment, it will be a “one-time payment.” One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any change to information you have given us about a payee to reflect the change in our records.

When you create a new payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.

For all subsequent payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, and the payment is not received by the payee in a timely manner, a representative of Seaside will work with the payee on your behalf to have any late fees or charges reversed.

Seaside is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. We will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee’s address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Seaside.

If the session during which you schedule a payment or transfer ends by 7:00 PM eastern, Seaside will consider it to have been received on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls.

If your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by us to make the transfer or payment. Seaside shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. In the case of recurring payments, only the payment currently scheduled will be canceled. Recurring payments scheduled for future dates will not be affected.

The way to cancel or change a payment is to use the Service. Payments must be changed or canceled using the Service prior to 7:00 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. After six months, any stop payment will terminate and must be renewed in order to continue in effect. Seaside may pay any item that is presented following the lapse of any stop payment order.

Please contact Client Care at 1-888-881-7628 in regards to errors or questions about your Online Banking service, or write to us at Seaside Bank and Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309. Refer to the Electronic Funds Transfer Policy provided at account opening. It outlines how errors and questions on electronic funds transfers are processed.

Expedited Bill Payment

See the Expedited Bill Pay Service Terms and Conditions.

 

Personal External Transfers Agreement

General

This Agreement between you and Seaside Bank and Trust governs the use of External Transfers within our Private Internet Banking service. This Agreement supplements your Private Internet Banking Online Banking Agreement and other deposit agreements with Seaside.

The terms “you” and “your” refer to the individual customer accepting this Personal Transfer Agreement (this “Agreement”). The terms “our”, “we”, and “us” refer to Seaside Bank and Trust.

By entering into this Agreement, you can electronically transfer funds from your personal checking or savings account at Seaside (an “Eligible Account”) to an enrolled personal checking or savings account that you own at another financial institution (an “External Account”). You can also electronically transfer funds from an External Account to your Eligible Account at Seaside. Each transfer you make to or from an External Account at another institution is called an “External Transfer”.

Authorization and Termination

By enrolling an External Account, or by making an External Transfer, you accept the terms of the Agreement and: (a) represent and warrant that you are an owner of that External Account (and that you are authorized by any other owners of the External Account to enroll that account and make External Transfers); and (b) authorize Seaside to initiate debit and credit transactions on the External Account based on instructions entered through Seaside’s website, or to correct any errors that Seaside identifies.

Your authorizations to Seaside regarding any External Account will remain in full force until you terminate Services for that or all your External Accounts as provided herein in the section entitled “Termination of the Services.”

Enrollment of an External Account

You will need to enroll an External Account before you can transfer funds to or from that External Account. To “enroll” an External Account, you must provide the following information regarding that External Account, account number, the ABA Routing and Transit number for the external financial institution, the name of the external financial institution, and whether the External Account is a checking or savings account. By enrolling an External Account, you authorize Seaside to make a group of small transactions that a user of that External Account must verify, within 21 days, before Seaside will approve that account for External Transfer activity.

Seaside reserves the right to reject an enrollment request for any reason, including without limitation potential fraud or misuse, limitations as outlined by the United States Department of the Treasury’s Office of Foreign Assets Control, or an incomplete enrollment. You agree to enroll only personal accounts (business, corporate, or organization accounts are NOT allowed).

Not all types of accounts are eligible for ACH transfers. You may be subject to penalties by the other financial institution, or may suffer negative tax consequences, for certain transactions involving retirement (401k, IRA, etc.), savings, money market accounts, certificates of deposit, trusts, loans, custodial, business, corporate and other types of accounts. It is your responsibility to verify with the external financial institution any restrictions regarding transfers to or from any External Account that you enroll. Seaside is not responsible for direct, indirect, special or consequential costs, fees, losses, penalties, or other damages resulting from External Transfers that are not permitted under restrictions of other financial institutions or those imposed by applicable laws and regulations.

External Account Number Policy

Seaside may, but is not obligated to validate any External Account number that you provide in the enrollment process. It is your responsibility to ensure you enter a valid and correct External Account number. External Transfers sent to invalid or incorrect account numbers may not be recoverable. If you provide an invalid or incorrect External Account number, Seaside will NOT be responsible for returning funds due to an unrecoverable External Transfer.

Transferring to an External Account

All External Transfers to enrolled External Accounts are subject to the rules and regulations of the other financial institution. You agree not to transfer any funds to an External Account where that transaction would not be allowed under the rules or regulations applicable to such accounts. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds to an External Account.

When you place an order for an External Transfer to an External Account, Seaside will hold the funds on the scheduled date of the transaction. The hold will remain in effect until the funds are sent and the transaction is posted.

We may honor but are not required to honor External Transfers to an External Account in excess of the collected funds in your Eligible Account. If your Eligible Account has insufficient funds to cover an External Transfer to an External Account, Seaside may, at its sole discretion:

  • Honor the funds transfer under the terms of any Seaside overdraft protection plan you have established.
  • Honor the funds transfer and create an overdraft in your Eligible Account. Seaside may hold balances in your other Seaside accounts until the overdraft is paid.
  • Refuse to honor the funds transfer.
  • Cancel any and all External Transfers to any and all External Accounts.

Fees may apply to any of the above remedies. Please refer to your Seaside Deposit Agreement for additional details.

If any External Transfers to an External Account are returned to Seaside for any reason, Seaside will return the funds, within a reasonable time, to your Eligible Account.

Transferring from an External Account

All External Transfers from External Account(s) are subject to the rules and regulations of the other financial institution. Funds received from an External Account into a Seaside account opened for 30 days or less will be subject to an additional 3 day hold. You agree not to transfer any funds from an External Account where that transaction would not be allowed under the rules or regulations applicable to such account. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds from an External Account.

If any External Transfer from an External Account is rejected or returned, you authorize Seaside to collect from any of your Seaside accounts (including any overdraft protection) sufficient funds to cover the transaction. Any applicable fees will be charged at the same rate as an internal account overdraft. If funds are not available from any of your Seaside accounts, you agree to promptly reimburse Seaside for the amount of the return along with applicable service fees, accrued interest, collection fees, and/or legal fees.

Canceling Specific Funds Transfers

You may cancel any scheduled one-time or recurring transfer initiated through the Seaside Online Banking website if you do so within two business days prior to the scheduled transaction processing date (i.e., three business days prior to the scheduled delivery date). This can be done by submitting an e-mail to clientcare@seasidebank.com or by calling 1-888-881-7628. Email transmitted over the Internet is generally not secure. Information of a confidential or sensitive nature should not be sent via email.

A cancellation request for a one-time transfer will apply to that specific transaction.

Seaside may refuse to honor any External Transfer, at any time for any or no reason, including but not limited to: written or verbal notice from other apparent owners of the External Account; overdrafts, unrecoverable rejects, or returns from the external financial institution; fraud; and/or illegal use.

Termination of the Service

If, at any time, you wish to terminate your use of the Service for any or all enrolled External Accounts, you will need to discontinue use of the Service and immediately cancel any scheduled transactions, whether one-time or recurring transactions. (See Section entitled “Canceling Specific Funds Transfers.”) You may cancel transactions that are not in-progress through the Seaside’s Online Banking website.

Termination of Service with an External Account may be requested by you, or by any other owner or person presenting ownership of that External Account. Notwithstanding your termination of the Service, this Agreement will continue to govern any transactions that cannot be canceled at the time of your termination.

Seaside reserves the right to terminate your access, or any access, to this Service, to cancel any and all transactions, and remove any or all enrolled External Account for any or no reason, including without limitation fraud, misuse, ACH transaction rejects and returns, or any unauthorized access or use of the Service.

Transfer Limits

For security purposes, Seaside establishes limits on the amount of funds transfers that can be made during any one day. External Transfers are currently limited to a daily aggregate of $10,000 for External Transfers to your Eligible Accounts, and a daily aggregate of $10,000 for External Transfers from your Eligible Accounts. Limitations on aggregate or individual transfer amounts may be changed at any time without notice at Seaside’s discretion. In addition, if you transfer from a savings or Money Market account, the account is limited to a total of six transfers per statement cycle. See your Seaside Deposit Agreement for details.

In Case of Errors or Questions About Your External Transfers

Please contact Client Care at 1-888-881-7628 in regards to errors or questions about your External Transfers, or write to us at: Seaside Bank and Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309.

Refer to the Electronic Funds Transfer Policy provided at account opening. It outlines how errors and questions on electronic funds transfers are processed.

Fees

There is no fee charged by Seaside for enrolling in this Service, or for making an External Transfer. However, there may be fees charged by the external financial institution for ACH transactions involving an External Account. You should check with your other financial institution for any such fees.

Changes to Fees or Other Terms

We reserve the right to change the fees or other terms described in this Agreement, as set forth in the Online Banking Services Agreement

Mobile Banking Enrollment Terms and Conditions

END USER TERMS

1- This service is provided to you by Seaside Bank and Trust and powered by a Third Party ("Licensor") mobile technology solution. Section A of these End User Terms is a legal agreement between you and Seaside Bank and Trust. Section B of these End User Terms is a legal agreement between you and the Licensor.

SECTION A

SEASIDE BANK AND TRUST TERMS AND CONDITIONS

Thank you for using Seaside Bank and Trust Mobile Banking combined with your handheld's text messaging capabilities. For help, text "HELP" to 79680. To cancel your plan, text "STOP" to 79680 at anytime. In case of questions please contact customer service at clientcare@seasidebank.com or call 1-888-881-7628.

Terms and Conditions

1. The services are separate and apart from any other charges that may be assessed by your wireless carrier for text messages sent to or received from Seaside Bank and Trust. You are responsible for any fees or other charges that your wireless carrier may charge for any related data or message services, including without limitation for short message service.

2. The services are provided by Seaside Bank and Trust and not by any other third party. You and Seaside Bank and Trust are solely responsible for the content transmitted through the text messages sent to and from Seaside Bank and Trust. You must provide source indication in any messages you send (e.g., mobile telephone number, "From" field in text message, etc.)

SECTION B

END USER LICENSE AGREEMENT TERMS FOR THE DOWNLOADABLE APP

To be Agreed to by End User Prior to Use of the Downloadable App

1. Ownership. You acknowledge and agree that a third party provider or licensor to your financial services provider ("Licensor") is the owner of all right, title and interest in and to the downloaded software to be used for access to Mobile Banking services from your financial services provider and the computer programs contained therein in machine readable object code form as well as any accompanying user documentation along with all subsequent copies, updates or versions thereof which are made available to you (if any), regardless of the media or form in which they may exist (collectively the "Software").

2. License Subject to the terms and conditions of this Agreement, you are hereby granted a limited, nonexclusive license to use the Software 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 Software. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. 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 Software in your possession or control.

3. Restrictions. You shall not: (i) modify, revise or create any derivative works of the Software; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Software; (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 Software, including, but not limited to, any trademark, logo or copyright.

4. Disclaimer Warranty. THE SOFTWARE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON_INFRINGMENT. NO WARRANTY IS PROVIDED THAT THE SOFTWARE WILL BE FREE FROM DEFECTS OR VIRUSES OR THAT OPERATION OF THE SOFTWARE WILL BE UNINTERRUPTED. YOUR USE OF THE SOFTWARE AND ANY OTHER MATERIAL OR SERVICES DOWNLOADED OR MADE AVAILABLE TO YOU THROUGH THE SOFTWARE IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE.

5. Limitations of Warranty. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LICENSOR , THE PROVIDER OF ANY FINANCIAL SERVICES AVAILABLE THROUGH OR RELATED TO THE SOFTWARE, ANY OF THEIR CONTRACTORS OR PROVIDERS OR ANY OF EACH OF THEIR AFFILIATES BE LIABLE FOR ANY DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY GENERAL, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY THEREOF, AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH ANY CLAIM IS BASED. IN ANY CASE, LIABILITY OF LICENSOR OR ANY OF THE OTHER PERSONS OR ENTITIES DESCRIBED IN THE PRECEDING SENTENCE ARISING OUT OF THE USE OR INABILITY TO USE THE SOFTWARE SHALL NOT EXCEED IN THE AGGREGATE THE LESSER OF $10.00 OR THE SUM OF THE FEES PAID BY YOU FOR THIS LICENSE.

6. U.S. Government Restricted Rights. The Software is commercial computer software subject to RESTRICTED RIGHTS. In accordance with 48 CFR 12.212 (Computer software) or DFARS 227.7202 (Commercial computer software and commercial computer software documentation), as applicable, the use, duplication, and disclosure of the Software by the United States of America, its agencies or instrumentalities is subject to the restrictions set forth in this Agreement.

7. Miscellaneous. This Agreement constitutes the entire agreement between the parties concerning the subject matter hereof. This Agreement will be governed by and construed in accordance with the laws of the state of Florida excluding that body of laws pertaining to conflict of laws. If any provision of this Agreement is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this Agreement are subject to the exclusive jurisdiction of the courts of Florida and the parties expressly consent to jurisdiction and venue thereof and therein. The parties confirm that this Agreement and all related documentation is and will be in the English language. The application of the United Nations Convention on Contracts for the International Sale of Goods is hereby expressly waived and excluded.

8. Content and Services. Neither Licensor nor the provider of the wireless network is the provider of any financial services available through or related to the Software, and neither Licensor nor the provider of the wireless network or any contractor of the provider of the financial services available through or related to the Software, is responsible for any of the materials, information, products or services made available to you via the Software.

SECTION C

Zelle Network® Terms of Use

1. Description of Services

 a. We have partnered with the Zelle Network ("Zelle") to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle® or enrolled with another financial institution that partners with Zelle (each, a "User") using aliases, such as email addresses or mobile phone numbers (the "Service"). We will refer to financial institutions that have partnered with Zelle as "Network Banks."

 b. 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.

 c. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

2. Eligibility and User Profile

When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to be bound by these Terms of Use. You represent that you have the authority to authorize debits and credits to the enrolled bank account.

You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments.

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose.

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

You authorize each Participating Financial Institution to use the email addresses and telephone numbers that are associated with you to process and route transactions to and from your registered Deposit Accounts. You are also authorizing all Participating Financial Institutions and Zelle to associate that email address or telephone number with you and with your Deposit Accounts. You agree that we may provide information about you to any Participating Financial Institution and any individual you send or receive money from in The information we provide may include your name, address, telephone number, and email address.

4. Privacy and Information Security

We make security and the protection of your information a top priority. You can access our Policy on Privacy Information at https://www.seasidebank.com/privacy-policy, which is incorporated into and made a part of these Terms of Use by this reference.

5. Wireless Operator Data

We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT & T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. See Zelle's Privacy Policy [https://www.zellepay.com/privacy-policy] for how it treats your data. You can access Seaside's Policy on Privacy Information at https://www.seasidebank.com/privacy-policy

6. Enrolling for the Service

 a. 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.

 b. Once enrolled, you may:

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

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

7. Consent to Emails and Automated Text Messages

By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in these Terms of Use. 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:

 a. 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.

 b. 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.

 c. 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.

 d. 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.

 e. 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 1-888-881-7628. You expressly consent to receipt of a text message to confirm your "STOP" request.

8. Receiving Money; Money Transfers by Network Banks

Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the Service, you may not have the 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 these Terms of Use and the procedures of the business or government agency that is sending you the payment.

9. Sending Money; Debits by Network Banks

You may send money to another User at your initiation or in response to that User's request for money. You understand that use of this Service by you shall at all times be subject to (i) these Terms of Use, 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. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.

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

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

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

10. Liability

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

THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE DOES NOT OFFER A 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).

All Transfer Transactions are subject to the rules and regulations governing your Deposit Account that is linked to the service.

11. Send Limits

The amount of money you can send will vary based on certain criterea at the banks discretion. We reserve the right, at any time in our sole discretion, to impose limits on the amount(s) and/or number of payments you may send, receive, or request over a period of time. If you attempt to send, receive, or request payment(s) in excess of your limit, such payment may be accepted or rejected at the banks discretion. If you are permitted to send, receive, or request payment(s) in excess of your limit, such payment shall be subject to these Terms of Use, and we are not obligated to accept similar payment(s) in the future. We reserve the right to change the number and/or dollar amount of transfers you are permitted to make using the Service. All transfer limits are subject to temporary or permanent reductions at the banks discretion. Your transfer limits may vary from those of other users of the service, depending upon criteria we establish at our discretion.

12. Requesting Money

You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we or 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 these Terms of Use, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.

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

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

13. Transaction Errors

Contact us immediately at 1-888-881-7628 or by going to one of our offices during normal business hours within 24 hours, or write to us at: Seaside Bank and Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309 if you believe a transaction error has occurred. You are responsible for all electronic funds transfers and electronic payments you make using the Service. Transaction errors that result from the use of the Service will be handled according to the terms of your Deposit Agreement with the us, the Electronic Funds Transfer Policy provided at account opening and the Private Internet Banking Agreement and Disclosure.

14. Your Liability for Unauthorized Transfers

Contact us immediately at 1-888-881-7628 or by going to one of our offices during normal business hours within 24 hours, or write to us at: Seaside Bank and Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309 if you believe that your password has been lost or stolen, access to your account has been compromised or if you believe that an EFT has been made without your permission. Unauthorized transfers that result from the use of the Service will be handled according to the terms of your Deposit Agreement with the us, the Electronic Funds Transfer Policy provided at account opening and the Private Internet Banking Agreement and Disclosure.

15. Liability for Failure to Complete Transfers

Except where noted in your Deposit Agreement with the us, the Electronic Funds Transfer Policy provided at account opening and the Private Internet Banking Agreement and Disclosure, we have no liability for failure to complete a payment or transfer you initiate using the Service. This includes circumstances beyond our control including system issues, availability of the Service, available funds and transaction limits at the time of the transfer. If you identify that we did not complete a transfer you must notify us immediately at 1-888-881-7628 or by going to one of our offices during normal business hours within 24 hours, or write to us at: Seaside Bank and Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309.

16. Fees

There is no fee to use the Service. However, fees associated with text messaging and Data Usage may be assessed by your mobile carrier. Additionally, If we process a transaction in accordance with your instructions that overdraws your Account with us or creates a fee caused by additional activity not related to this Service, we may assess a fee or charge interest for any such occurence in accordance with the terms of your Deposit Agreement with us and our Schedule of Fees at the time of the transaction.

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

You agree to access this website and/or mobile app in compliance with our Private Internet Banking Agreement and Disclosure, which are available at https://www.seasidebank.com/disclosure/ and incorporated into and made part of this Terms of Use by this reference.

18. Cancellation of the Service

If you would like to cancel the Service at any time, please contact us immediately at 1-888-881-7628 or by going to one of our offices during normal business hours within 24 hours, or write to us at: Seaside Bank and Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309. Any transaction that is deemed to be in process prior to receiving your cancellation request will be processed by us.

19. Right to Terminate Access

You agree that we may, in our sole discretion, at any time and without prior notice to you, suspend or terminate access to the Service and any and all attributes of the Service.

20. Disclaimer of Warranties

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

21. Limitation of Liability

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

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

22. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in this Terms of Use, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys' fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of the terms of this Terms of Use.

23. Governing Law; Choice of Law; Severability

This Terms of Use will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the Ternms of Use will be governed by laws and regulations effective in the State of Florida.

24. Miscellaneous

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

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