Zelle Legal Department

Subject to applicable law, Zelle may modify or modify this Service Agreement (including applicable fees and service fees) from time to time, in its sole discretion, by posting the updated Terms in the Zelle mobile application®® and zellepay.com (each individually or collectively referred to as the “Site”). Please access and review this Service Agreement regularly. If at any time you find the Service Agreement unacceptable to you, immediately cancel your profile and registration with Zelle and immediately stop using the Service®. Your continued access to or use of the Zelle Website® as a result of any addition, modification or modification of the terms of this Service Agreement constitutes your acceptance and acceptance of such supplement, modification or modification. For our daily business needs, e.B. to process your transactions, manage your cellular application® profile(s), respond to court orders and court inquiries, or report credit reference agencies. 2. Early Warning reserves the right to object to subpoenas that are invalid, excessively broad, overly burdensome, vague or implied in terms of privacy, legal privileges or other legal concerns. Contact your bank or credit union immediately if you feel you have been a victim of fraud or a scam. In the event of unauthorized payments, consumers have legal rights and protections under the Electronic Funds Transfer Act (also known as “Reg E”). It is important that you read the User Service Agreement and the Account Agreement with your financial institution to understand the terms of any payment service you wish to use. If you have any questions about legal documents, please contact the Disputes Support Service at: Early Warning Services, LLC Attn: Litigation Support 16552 N. 90th Street Scottsdale, AZ 85260 Email: Paralegal@earlywarning.com **Please read the following information carefully.

These instructions apply to the issuance of subpoenas from third parties to Early Warning Services, LLC (“Early Warning”) in areas in which Early Warning is not involved. Service of the proceedings for other legal documents, including civil complaints or documents to be served on Early Warning employees, will not be accepted at the address and/or email address set out in Section IV below and will instead have to be served on our registered representative for service of the proceedings: COGENCY GLOBAL INC. You can find the update location for Cogency Global Inc. in your state under: www.cogencyglobal.com/hubfs/cogencydocs/Cogency_Registered_Agent_Addresses.pdf cell® makes the security and protection of your information a top priority. You may access our Zelle® App Privacy Statement under www.zellepay.com/legal-and-privacy which is incorporated into this Service Agreement by this reference and forms part of this Service Agreement We believe – and our customers agree – that the way we approach disputes is key to our success in building strong relationships and implementing effective strategies. Our lawyers offer in-depth experience and knowledge in a variety of industries and investigate to identify the specific needs of our clients and the broader impact of litigation. Cell`s lawyers quickly assess the facts, balance intangible assets, and provide creative and realistic legal advice. You agree to access the Zelle Website® in accordance with our Terms of Use, which are available on zellepay.com/terms-use and which, by this reference, are incorporated into this Service Agreement and form part of this Service Agreement. By participating as a user, you represent to Zelle that you are® the owner of the email address, the United States.

Mobile phone number and/or any other alias that you have registered, or to which you have delegated legal authority to act on behalf of the owner of that email address, mobile phone number and/or other alias to send or receive money as described in this Service Agreement. You consent to receive emails or text messages from Zelle®, other users who send you money or ask for money from you, and financial institutions in the network or their agents with respect to the service or related transfers between the financial institutions in the network and you. You agree that Zelle, the financial institutions in the network or their respective representatives may use automatic telephone numbering systems in connection with calls or text messages sent to a mobile phone number registered® by you. You further acknowledge and agree: You agree to receive requests for money from others and to send requests only for legitimate and lawful purposes. Requests for money are made exclusively between the sender and the recipient and cannot be verified or verified by Zelle® or the financial institutions in the network. .