Summary of Changes to the Online and Mobile Banking Service Agreement

Effective as of 04/13/2025

Key changes to the Agreement include:

• Updated Section 4 (Bill Pay Service) to note that if your address is outside the U.S., Truist may use its own service center address for Bill Pay transactions and will notify you of any payment issues due to returned items.
• Updated Section 11 (Zelle® Network Service) to: (i) clarify that Truist and Zelle® reserve the right to limit or terminate a client’s access to the Zelle® Network Service at any time and without notice for reasons including but not limited to illegal or improper use of the Service; and (ii) add new terms governing the creation and use of Zelle® tags, which are unique alpha-numeric identifiers that clients may use in lieu of their phone number or email address to send, receive, or request money on the Zelle® Network. 
• Updated Section 14(d) (ACH Transfer Service) to: (i) clarify that fees for enrolling in the ACH Transfer Service and for initiating ACH entries will be charged to the designated business billing account along with other applicable services; and (ii) note that Truist may impose or change daily online ACH entry limits at any time without prior notice.
• Updated Section 14(e) (Wire Transfer Service) to note that Truist may impose or change daily online wire transfer limits at any time without prior notice.