STANDARD TERMS AND

CONDITIONS FOR USE OF

THE ZELLE NETWORK®

Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
 Standard Terms and Conditions for Use of the Zelle Network®
1. Description of Services
a. Ameris Bank (“we” or “our”) has 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 WHOM 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 these terms and conditions (the “Agreement”). You
represent that you have the authority to authorize debits and credits to the enrolled bank account.

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

The Service is intended for personal 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.

Any terms and conditions of this Agreement may be changed at any time by posting the same to our website
at www.amerisbank.com. You agree that the such posting is notice and receipt of the posted changes. Your
continued use of the Service after the effective date of such revisions will constitute your acceptance of the
changes and the revised Agreement. If you do not agree to the change, you must cancel your access to
and use of the Service.

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

We make security and the protection of your information a top priority. You can access the Ameris Bank
Privacy Policy at https://www.amerisbank.com/About/Information/Notices-Disclosures/Protecting-Your-
Information, which is incorporated into and made a part of this Agreement by this reference.

4. Privacy and Information Security

We make security and the protection of your information a top priority. You can access our Online Privacy
Policy at https://www.amerisbank.com/About/Information/Notices-Disclosures/Online-Privacy-Policy, which
is incorporated into and made a part of this Agreement by this reference.

5. Wireless Operator Data

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 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.

See our Privacy Policy (https://www.amerisbank.com/About/Information/Notices-Disclosures/Protecting-

Your-Information) for details about how we treat your data.

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.”

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

7. Consent to Emails and Automated Text Messages

By participating as a User, you represent that you are the owner of the email address, mobile phone number,
and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner
of such email address, mobile phone number and/or other alias to send or receive money as described in
this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users
that are sending you money or requesting money from you, and from other Network Banks or their agents
regarding the Services or related transfers between Network Banks and you. You agree that we may, Zelle
may or either of our agents may use automatic telephone dialing systems in connection with text messages
sent to any mobile phone number you enroll. You further acknowledge and agree:

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.

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 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 866.616.6020
or [email protected]. 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 have no ability to stop the transfer. By using the Service, you agree and authorize us to initiate
credit entries to the bank account you have enrolled.

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

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

9. Sending Money; Debits by Network Banks

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

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

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

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

10. Liability
Neither we nor Zelle shall have liability to you for any transfers of money, including, without limitation, (i) any
failure, through no fault of us or Zelle, to complete a transaction in the correct amount, or (ii) any related

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 losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make
when using the Service.

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

11. Send Limits

There are daily limits on the amount of money you can send through Zelle. Your limits may be adjusted from
time to-time at the bank’s sole 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 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, including us, 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 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

In case of errors or questions about your electronic fund transfers, call us at (866)616-6020 or write to:

Ameris Bank
Attn: Electronic Banking Dept
PO Box 105075
Atlanta, GA 30348

or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need
more information about a transaction listed on the statement or receipt. You must contact Ameris Bank no
later than 60 days after we sent you the first statement on which the problem or error appears. You must be
prepared to provide the following information:
• Your name and account number.
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 • A description of the error or transaction you are unsure about along with an explanation as to why
you believe it is an error or why you need more information.
• The dollar amount of the suspected error.

If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10)
business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for
new accounts) 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 for new accounts and foreign initiated or Point of Sale
transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within
ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in
error, so that you will have the use of the money during the time it takes 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. The extended time periods for new accounts apply to all electronic fund
transfers that occur within the first thirty (30) days after the first deposit to the account is made, including
those for foreign initiated or Point of Sale transactions.

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.

You may ask for copies of the documents that we used in our investigation.

14. Your Liability for Unauthorized Transfers

If your statement shows transfers you did not make, including those made by card, code, or other means,
tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you
may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the
money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we
could have stopped someone from taking the money had you given us notice in time. If a good reason (such
as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

15. Liability for Failure to Complete Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our
agreement with you, we will be liable for your losses or damages as provided by law. However, there are
some exceptions. We will NOT be liable, for instance:
• If through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
• If the electronic terminal was not working properly and you knew about the breakdown before you
started the transfer.
• If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure
or interruption of communications facilities) prevent the transfer, despite reasonable precautions we
have taken.
• If we have terminated our Agreement with you.
• If we receive inaccurate or incomplete information needed to complete a transaction.
• In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system
which would normally handle the transfer.
• If the funds in the account are subject to legal action preventing a transfer to or from your account.
16. Fees

Zelle for consumer accounts is a free service. In addition, any other fees and charges shown in the Deposit
Account Agreement, Truth in Savings Disclosure, or our Miscellaneous Services Pricing Guide may apply,
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 including overdraft charges and withdrawal fees for accounts subject to transaction limitations. Fees are
reviewed periodically and are subject to change. You will be notified of any increase in fees at least thirty
(30) days prior to the change taking effect.

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 Personal Online Banking
Disclosure, which is available at https://www.amerisbank.com/About/Information/Notices-
Disclosures/Personal-Online-Banking-Disclosure, and our Mobile Banking Agreement, which is available
at https://www.amerisbank.com/About/Information/Notices-Disclosures/Mobile-Banking-Agreement, each
of which is incorporated into and made part of this Agreement by this reference.

18. Cancellation of the Service

You may terminate your use of Zelle at any time by writing to us at Ameris Bank, Zelle Support, PO Box
105075, Atlanta GA 30329 or by sending us a secure message using our Online Banking Message Center.
You must notify us at least ten (10) business days prior to the date on which you wish to have your Service
terminated. If you have scheduled payments with a transaction date within this ten (10) business day period,
you also must separately cancel those payments. If we have not completed processing of your termination
request and you have not otherwise canceled a payment, you will be responsible for payments with
transaction dates during the ten (10) business days following our receipt of your written notice of termination.
We may terminate your use of the Service, in whole or in part, at any time without prior notice. Termination
will not affect your liability or obligations under this Agreement for transactions we have processed on your
behalf.

19. Right to Terminate Access

You can discontinue this service by calling us at (866)616-6020 or write to:
Ameris Bank
Attn: Electronic Banking Dept
PO Box 105075
Atlanta, GA 30348

20. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE
NOR ZELLE MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR
ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. BOTH WE AND ZELLE
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 WE NOR ZELLE WARRANTS THAT THE SERVICE
WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE
CORRECTED. THE SERVICE IS 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, INCLUDING
US, 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 ANY OTHER SUCH PARTY HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR

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 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, INCLUDING US, 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 Agreement, you agree to indemnify, defend and hold harmless
Zelle, its owners, directors, officers, agents and Network Banks, including us, 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.

23. Governing Law; Severability

This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia,
without regard to conflict of laws and principles.

If any term or provision of this Agreement is invalid, illegal or unenforceable in any jurisdiction, such invalidity,
illegality, or unenforceability shall not affect any other term or provision of this Agreement or invalidate or
render unenforceable such term or provision in any other jurisdiction.

24. Miscellaneous
Subject to the terms of this Agreement, the Service is 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.