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ONLINE BANKING REGISTRATION

Have a TIAA Bank home loan?
Visit LoanCare to set up access to your account
Set up online access

Manage your TIAA Bank accounts simply and securely. To continue, you must first
acknowledge your understanding and acceptance of the two agreements below.

Electronic Disclosures Terms and Conditions


E-SIGN CONSENT TO USE ELECTRONIC RECORDS AND SIGNATURES

Effective as of November 2020

In this E-Sign Consent to Use Electronic Records and Signatures (“Consent
Agreement”), the words “we,” “us,” “our,” and “TIAA Bank” mean TIAA, FSB. The
words “you” or “your” mean the account holder(s) giving their consent.

As part of your relationship with us, you are entitled by law to receive certain
information “in writing.” The federal ESIGN Act and certain state laws allow us
to provide this information to you electronically with your prior consent. We
also need your consent to use electronic records and signatures in our
relationship with you. Accordingly, we need you to agree to this Consent
Agreement, which (a) provides the terms under which we will provide account and
tax statements, terms and conditions, disclosures, agreements, rate sheets,
notices, including maturity and privacy notices, any other document, including,
but not limited to, any disclosure document required by applicable law to be
provided to you in writing and/or in a form you may keep, and any updates,
amendments, or other changes to any of the preceding items (collectively,
“Electronic Communications”) to you in electronic form instead of paper form
(although you may continue to receive duplicates in paper form); (b) describes
the computer and system requirements you must have to receive Electronic
Communications and print or download those items; and (c) provides certain other
information relating to Electronic Communications. You must agree to this
Consent Agreement in order to receive Electronic Communications and complete
your enrollment into our Online Banking portal. “Online Banking” is any online
service portal that provides electronic access to your account(s) with us.

The Electronic Communications that may be available and provided to you
electronically may change over time, and after you agree to this Consent
Agreement. You agree that in our discretion, we may provide you the Electronic
Communications (1) via email at the address you have provided us, (2) through
Online Banking or another website or service established for such purpose after
providing you notice via email at the address you have provided to us of new
Electronic Communications that are available to you, or (3) to the extent
permissible by law, by such other electronic means as we deem effective and
reasonable. All Electronic Communications available to you through Online
Banking will remain available there, for at least one year after the Electronic
Communication has been provided.

REQUESTING A PAPER COPY; WITHDRAWING CONSENT FOR ELECTRONIC COMMUNICATIONS

To request paper copies of this Consent Agreement or any Electronic
Communications, or to withdraw your consent to receive Electronic
Communications, please contact us as described below:

For TIAA Bank Home Loan Accounts:
Call a Client Solutions Specialist at 1-888-882-3837 or write to us at:
TIAA Bank
P.O. Box 2167
Jacksonville, FL 32232-0004
Fax number: 1-866-632-9396

For TIAA Bank Deposit Accounts:
Call a Client Solutions Specialist at 1-888-882-3837 or write to us at:
TIAA Bank
P.O. Box 1284
Charlotte, NC 28201-1284

For TIAA Bank World Markets Accounts:
Call the World Markets Desk at 1-800-926-4922 or write to us at:
TIAA Bank World Markets
8300 Eager Road, Suite 700
St. Louis, MO 63144

Visit tiaabank.com/contact for the hours of operation of the Client Solutions
Specialists and the World Markets Desk.

If you contact us via mail to withdraw your consent to receive Electronic
Communications, please specify your name, account number, current mailing
address, and specifically instruct us that you are withdrawing your consent to
receive Electronic Communications from us and wish to receive only paper copies.
Withdrawing your consent will result in your access being removed from Online
Banking. This means that you will no longer have access to Online Banking or any
of the services offered through Online Banking.

To re-gain access to Online Banking, you will have to call a Client Solutions
specialist to enable your access and you will have to re-consent to this Consent
Agreement. Thus, if you wish merely to change your preference for delivery of
Electronic Communications and not withdraw your consent, please specify your
delivery preferences rather than withdrawing your consent to receive Electronic
Communications.

If you withdraw your consent to receive Electronic Communications, these items
will be mailed to you at the current address we have on file. Please ensure you
keep your contact information up to date.

Fees may apply for paper copies of certain Electronic Communications. Please
check the terms and conditions applicable to your account for details.

UPDATING YOUR CONTACT INFORMATION

You must promptly notify us of any changes to your contact information,
including email address. You may update your email address from within Online
Banking or you may contact the appropriate team at the address or phone number
provided above. If you fail to update or change an incorrect or invalid email
address, then you understand and agree that all Electronic Communications shall
nevertheless be deemed to have been provided to you if they were made available
to you in electronic form on our website or emailed to the email address we have
for you in our records.

COMPUTER AND SYSTEM REQUIREMENTS TO ACCESS AND RETAIN ELECTRONIC COMMUNICATIONS

To receive and retain Electronic Communications, you must have access to:

 1. A personal computer or other device which is able to access the Internet;
 2. A current, active email address on file with us that is able to send and
    receive email with hyperlinks to websites, and for certain Online Banking
    Services, in certain instances, a mobile phone number on which we may
    contact you;
 3. A Current Version (defined below) of the internet browser we support (i.e.:
    Internet Explorer, Chrome, Safari, FireFox etc.);
 4. A Current Version of a program that accurately reads and displays Portable
    Document Format or “PDF” files such as Adobe Reader;
 5. To see an accurate full page view, you will need a computer screen
    resolution setting of 800 x 600 or higher;
 6. An operating system capable of supporting all of the above;
 7. Our mobile software application, if applicable, and a mobile device that
    will support our mobile software application and has location services
    enabled with regard to our mobile software application;
 8. A printer if you wish to print out and retain records on paper; and
 9. Electronic storage if you wish to retain records in electronic form.

By “Current Version,” we mean a version of the software that is currently being
supported by its publisher. The following link includes more information on the
software we currently support and links for downloading the software and related
system requirements. Technical Requirements

If you have trouble accessing any of the information provided by us at any time
contact the the appropriate team at the phone numbers provided above.

From time to time, we may offer services or features that require that your
Internet browser or mobile device be configured in a particular way, such as
permitting the use of JavaScript or cookies. You should check the Technical
Requirements page occasionally for updates on supported software. We reserve the
right to discontinue support of a Current Version of software if, in our sole
opinion, it suffers from a security flaw or other flaw that makes it unsuitable
for use with online or mobile transactions. We also reserve the right to
communicate with you by U.S. Postal Service.

AGREEMENT AND CONSENT

By accepting this Consent Agreement, you are representing and warranting to us
the following:

 1. You have read, understand, and agree to the terms in this Consent Agreement;
 2. You can access and retain your Electronic Communications because your system
    satisfies the “Computer and System Requirements To Access And Retain
    Electronic Communications” set forth above;
 3. You have an active email address and PDF reader and have the ability to
    access PDF files;
 4. You understand and agree that we will rely on the truthfulness and
    completeness of your representations and warranties above;
 5. You consent to receive Electronic Communications, as are now or in the
    future available, in connection with your TIAA Bank accounts or with your
    relationship with us, including any TIAA Bank account(s) that you
    subsequently open or for which you apply;
 6. You agree that the Electronic Communications have the same meaning and
    effect as if we provided paper documents to you;
 7. You agree to update your client contact information as needed in order to
    ensure timely receipt of Electronic Communications;
 8. You are agreeing on behalf of all other account holders, co-owners, or other
    authorized persons, if any, and you have the power and authority to consent
    and agree on their behalf; and
 9. Your agreement and consent is effective and valid until you withdraw your
    consent as provided above.

TIAA Bank® is a division of TIAA, FSB.
©2020 and prior years TIAA, FSB. 20MCM0694.05 ~ 410 ~ 11/20


I accept the eSign agreement
Print disclosure
Online Banking Service Agreements


ONLINE BANKING SERVICES AND ELECTRONIC FUND TRANSFER SERVICES DISCLOSURES AND
AGREEMENTS

These Online Banking Services and Electronic Fund Transfer Services Disclosures
and Agreements apply only to the services used in connection with consumer
accounts. The full terms and conditions that govern consumer accounts are
described in the Personal Account Terms, Disclosures and Agreements Booklet (the
“Booklet”), which has previously been provided and agreed to and can be found on
our website.

Any online banking services used in connection with non-consumer accounts are
governed by the terms and conditions described in the Business and Non-Personal
Account Terms, Disclosures and Agreements Booklet which has previously been
provided and agreed to and can be found on our website.

To proceed with registration for Online Banking Services (as defined in the
Online Banking Services Agreement contained in the terms and conditions booklet
applicable to your account(s)), you must check the box and click the “Next”
button. You acknowledge and agree that by clicking the “Next” button, you
certify to us that you have reviewed the terms and conditions that are
applicable to the account or accounts for which you wish to use the Online
Banking Services, and you understand and agree to the terms and conditions
concerning use of those Online Banking Services, including any amendments to
those terms and conditions or any changes in those terms and conditions that we
make from time to time. We reserve the right to accept or decline your request
to register for Online Banking Services and to change any terms and conditions
related to the Online Banking Services at any time; however, we will notify you
of any change to the terms and conditions as required by law. Because you have
consented to receive electronic disclosures, we may notify you of changes to the
terms and conditions by email or by publication on the TIAA Bank website. You
agree that if you continue to use any Online Banking Services after we notify
you of any change, you thereby accept the changes and agree to be bound by the
new terms and conditions.

The Online Banking Services and Electronic Fund Transfer Services Disclosures
and Agreements for consumer accounts only follow.


3.4. ONLINE BANKING SERVICE AGREEMENT

This Online Banking Service Agreement (“Agreement”) explains the terms and
conditions governing the online banking services offered by us through our
online banking servicing portal. In this Agreement, “us,” “our” and “we” means
“TIAA Bank” and its current and future affiliates, and “you” and “your” mean the
account holder(s) enrolling in Online Banking Services.

All online banking services of any kind whatsoever offered or made available by
us (including, but not limited to, bill payment services, electronic funds
transfers, receiving and viewing periodic account, tax and pay-off statements,
check reordering, and receiving certain other notices, disclosures and
correspondence) will be referred to collectively as “Online Banking Services” in
this Agreement. “Online Banking” is the service portal that provides online
access to your account(s) with us, (including, but not limited to, mortgage
loans, consumer loans, credit cards, deposit accounts, and investment accounts).

This Agreement governs the terms of the Online Banking Services we provide
through the Online Banking service portal. You may be required to accept and
agree to additional supplemental terms and conditions for specific Online
Banking Services after your enrollment in Online Banking.

This Agreement supplements and is part of the terms and conditions of any
accounts you may have with us. If a discrepancy or inconsistency were determined
to exist between the terms and conditions and other provisions of this Online
Banking Service Agreement and your Account Agreement, or a similar account
agreement between you and one of our affiliates, then this Online Banking
Service Agreement shall control with respect to Online Banking and Online
Banking Services, but only to the extent necessary to address the discrepancy or
inconsistency.

3.4.1. YOUR AGREEMENT TO TERMS

By applying for, or using, any of our Online Banking Services, you agree to
abide by the terms and conditions set forth in this Agreement. Your use of any
Online Banking Service in connection with your account constitutes your
acceptance and agreement to be bound by all of the terms and conditions of this
Agreement, as well as any additional, supplemental terms and conditions for the
specific Online Banking Service. Such use acknowledges your receipt and
understanding of this Agreement and of any additional, supplemental terms and
conditions for the specific Online Banking Service. New Online Banking Services
may be introduced through Online Banking from time to time. By using these
Online Banking Services when they become available, you agree to be bound by the
terms and conditions that will be made available to you concerning these
services.

3.4.2. INSTRUCTIONS FROM YOU/YOUR RESPONSIBILITIES

We are entitled to act upon instructions received through any Online Banking
Service under your User ID and Password and without inquiring into the identity
of the person using that User ID and Password. However, you agree that you will
not, under any circumstances, disclose your Password by telephone or any other
means to any person, including TIAA Bank personnel. You are liable for all
transactions made or authorized using your User ID and Password. You agree that
we have no responsibility for establishing the identity of any person accessing
your account or determining the validity of any transaction. You agree that if
you give your User ID and Password to anyone or fail to safeguard its secrecy,
you do so at your own risk. Anyone with your User ID and Password will have
access to your account(s). You agree to notify us immediately, using the contact
information found on our website (TIAABank.com), in the event that your Password
is lost, stolen, or otherwise compromised. At any time, you may change your User
ID and Password, or you may ask us to disable your User ID or Password and issue
a new one to you.

3.4.3. ACCOUNTS WITH MULTIPLE ACCOUNT HOLDERS, OWNERS, AUTHORIZED SIGNERS,
AGENTS OR USERS

Each person on an account with multiple account holders, owners, authorized
signers, agents or users (“Person”) will be jointly and severally liable for all
transactions that are made through Online Banking or by means of any Online
Banking Services. Each Person agrees to assume liability for all actions and
transactions made by any other Person on the account through, or when using,
Online Banking or Online Banking Services whether or not the Person was
authorized. Each Person should have his or her own unique and confidential User
ID and Password.

3.4.4. RESPONSIBILITIES REGARDING FUNDS TRANSFERS

We are not responsible for any failure to complete a transfer to or from your
account(s) if any of the following occurs:

 1.  through no fault of TIAA Bank, you do not have enough collected funds in
     your bank account to make the transfer, in which case, you agree to pay any
     non-sufficient funds fees that may be imposed;
 2.  circumstances beyond our control (such as fire, flood, power outage,
     equipment or technical failure or breakdown) prevent the transfer, despite
     reasonable precautions that we have taken;
 3.  there is a hold on your bank account, or if access to your bank account is
     blocked;
 4.  your funds are subject to legal process or other encumbrance restricting
     the transfer;
 5.  your transfer authorization terminates by operation of law;
 6.  you believe someone has accessed your account(s) without your permission
     and you fail to notify us immediately;
 7.  you have not properly followed the scheduling instructions on how to make a
     transfer;
 8.  we have received incomplete or inaccurate information from you or a third
     party involving the bank account or transfer;
 9.  you become delinquent or file bankruptcy which limits or impacts your
     access to the Online Banking account(s) to which the transfer applies;
 10. you have instructed us to cease communication with you regarding your
     account(s);
 11. we have a reasonable basis for believing that unauthorized use of your User
     ID, Password or account has occurred or may be occurring or;
 12. you default under this Agreement, or any other agreement with us, or if we
     or you terminate this Agreement.

There may be other exceptions stated in this Agreement or in other agreements
with you. In no event shall we be liable for damages in excess of your actual
loss due to our failure to complete a transfer, and we will not be liable for
any incidental or consequential damages. If any of the circumstances above shall
occur, we shall assist you with reasonable efforts in taking appropriate
corrective action to reprocess the transactions that may not have been completed
or to correct incorrect transactions that have been processed.

3.4.5. HOURS OF OPERATION

Online Banking is available 24 hours a day, 7 days a week, except during special
maintenance periods. For purposes of transactions conducted through Online
Banking, every day is a day we are open for business (“Business Day”) except
Saturdays, Sundays, and federal holidays. Online Banking transaction requests
received by us before the deadlines applicable to any Online Banking Service
will be treated as received on that Business Day. Any requests received after
the deadlines or on non-Business Days will be treated as received on the next
Business Day we are open. We reserve the right to update the deadlines
applicable to any Online Banking Service.

3.4.6. INDEMNIFICATION

You hereby indemnify, and release us, and our affiliates, including our and our
affiliates’ employees, officers, directors, and agents, from any and all
liability, and you agree not to make any claim against us or bring any action
against us honoring or allowing any actions or transactions in which you have
authorized the person performing the action or transaction to use your accounts,
or when you have provided your User ID and Password to that person. You agree to
reimburse us for any losses we suffer or any claims, damages, injuries, costs,
or expenses we incur (including attorney’s fees), because we honored or allowed
transactions on the account(s) in which you have authorized the person
performing the action or transaction to use your accounts, or when you have
provided your User ID and Password to that person. The limitations of liability
set forth in this Online Banking Service Agreement are subject to, and limited
by, any applicable state or federal law to the contrary.

3.4.7. CHANGES IN TERMS

We have the right to modify or terminate this Agreement at any time. When making
changes, we will comply with all applicable legal notice requirements. If this
Agreement is modified, your continued use of the Online Banking Services will
represent your acceptance of the changes. Once this Agreement terminates, we
will not allow any additional transactions or Online Banking Services through
Online Banking.

3.4.8. DISCLOSURE OF INFORMATION TO THIRD PARTIES

We will disclose information to third parties about your account(s) or the
transfers you make:

 1. for TIAA Bank’s everyday business purposes—such as when it is necessary for
    completing transfers, processing transactions or maintaining your
    account(s);
 2. to verify the existence and condition of your account(s) for a third party,
    such as a credit bureau or merchant;
 3. to comply with government or court orders and legal investigations, or other
    applicable reporting requirements;
 4. for providing client support and responding to inquiries;
 5. where we, in good faith, believe such information is necessary to prevent
    harm to you or others or to protect our interests in a dispute with you;
 6. if you give us your written permission; or
 7. to our affiliated companies for everyday business purposes and for
    disclosure regarding your transactions, account history and experiences with
    us. We may also share information with affiliated companies to market to
    you, unless you have opted out of affiliate sharing. Information about your
    creditworthiness that you have given us as part of an application for one of
    our products or services, or information we have received from a credit
    bureau or other third party, also may be shared among affiliated companies
    within the organization, unless you have opted out of affiliate sharing of
    your creditworthiness information.

3.4.9. INACTIVITY; TERMINATION

You are responsible for complying with all the terms of this Agreement as well
as the terms of your account(s). We may terminate or limit your Online Banking
privileges under this Agreement without notice to you if you do not comply with
the terms of your account(s) or your account(s) are not maintained in good
standing. We may convert your Online Banking account to inactive status if you
do not log-in to Online Banking for 13 consecutive months. If your Online
Banking account is considered inactive, you may need to re-enroll, or contact us
to have the Online Banking Service activated before you will be able to schedule
any transaction through the Online Banking Service. To cancel Online Banking,
you must notify us in writing and provide your name, account number, and the
effective date to stop the service.

3.4.10. ELECTRONIC COMMUNICATIONS

All communications that we provide to you in electronic form will be delivered
either (1) via email or secured messaging, (2) via a mobile software application
or website, or (3) by your accessing a website or mobile software application
that we will designate in an email, or other electronic notice we send to you at
the time the information is available. We will establish security procedures you
must follow to access the website or mobile application.

3.4.11. FEES AND CHARGES

You are responsible for the payment of any fees incurred by you on any account,
for any Online Banking Service, at any time. You agree to pay all such fees upon
our request. Further, you agree to pay all internet charges or other fees
incurred by you in accessing Online Banking or using Online Banking Services.


3.5. ELECTRONIC FUND TRANSFER DISCLOSURES AND AGREEMENT

Services are not available for all products.

3.5.1. GENERAL

This Electronic Fund Transfer Disclosure and Agreement is a part of and
incorporated into your Account Agreement. By signing (manually, electronically,
or otherwise) an account application or other forms that you sign when you open
or request an account, you request and authorize us to deposit, withdraw, and
transfer funds to and from your account with us pursuant to your electronic,
telephonic, or automated instructions, including, but not limited to,
instructions that are made by means of an ATM, Point of Sale terminal, our
Online Banking Service, Bill Payment Service, External Transfers Service, Zelle®
Person-to-Person Money Transfer Service, Mobile banking, or any other means of
delivering instructions to us. The following disclosure also concerns the use of
any service we offer by which an electronic fund transfer may be authorized by
you. Electronic fund transfers subject to these disclosures do not include wire
transfers. See the Wire Transfer Agreement in this Booklet for special rules
governing wire transfers. This disclosure does not govern the use of your TIAA
Bank Visa Credit Card. Refer to the TIAA Bank Credit Card Terms and Conditions
applicable to your credit card for information on credit transactions, including
information on your credit billing rights and on your liability for unauthorized
use of your credit card for credit transactions.

3.5.2. BUSINESS DAYS

For the purposes of this Electronic Fund Transfer Disclosures and Agreement,
every day is a business day (“Business Day”) except Saturdays, Sundays, and
federal holidays.

3.5.3. TELEPHONE NUMBER AND ADDRESS

To contact us with a question about an electronic fund transfer, to report an
error with an electronic fund transfer, to tell us about an unauthorized
transfer, or to tell us that access to your account may no longer be secure,
please contact us by calling us at 1-888-882-3837 or writing us at P.O. Box
1284, Charlotte, NC 28201-1284.

3.5.4. TYPES OF TRANSFERS

Subject to transaction limits as described in Limitations on Transfers below,
you may use your TIAA Bank account to conduct the following electronic fund
transfers.

3.5.4.1. Direct Deposits. You may arrange for direct deposits (such as United
States Treasury, Social Security, employer payroll, etc.) to be accepted into
your personal checking, money market and savings accounts.

3.5.4.2. ATM Withdrawals And Transfers By Debit Card. You may use your Visa
Debit Card with your PIN to make cash withdrawals from your checking, money
market and savings accounts and to transfer funds between your account(s) with
us. Some of these services may not be available at all terminals.

3.5.4.3. Purchases And POS Transactions. You may use your Visa Debit Card and
PIN to pay for purchases of goods or services from vendors that have agreed to
accept the card and PIN.

3.5.4.4. Preauthorized Withdrawals. You may arrange one time or recurring
electronic debit transfers from your checking, money market and savings accounts
in the amounts and on the days you request. These transfers may also be subject
to the terms and conditions of a specific transfer service agreement, such as
the Online Banking Service Agreement or the External Transfers Terms and
Conditions.

3.5.4.5. International Transactions. You may choose to use your Visa Debit Card
to make a cash withdrawal or purchase in a foreign country (an “International
Transaction”). If your International Transaction is in a currency other than
United States dollars, the transaction will be converted into a United States
dollar amount by Visa International Inc., using the procedures established by
Visa International, Inc., based on the exchange rate in effect at the time the
transaction is processed. The exchange rate between the transaction currency and
the billing currency used for processing International Transactions is a rate
selected by Visa from the range of rates available in wholesale currency markets
for the applicable central processing date, which rate may vary from the rate
Visa itself receives, or a government-mandated rate in effect for the applicable
central processing date, in each instance. Visa also will charge you an
International Transaction Service Fee (refer to the Deposit Account Fee Schedule
for fee amounts). We monitor your accounts for signs of potential fraud, which
could include the use of your Visa Debit Card in a manner that is out of the
ordinary. For this reason, if you are planning on using your Visa Debit Card in
a foreign country (for example, if you are traveling abroad) please let us know
in advance. Otherwise it is possible that your International Transactions may be
delayed or declined.

3.5.4.6. Electronic Check Conversion. If you have an account with check
privileges, you may authorize a merchant or other payee to make a one-time
electronic payment from your account using information from your check to (a)
pay for purchase, or (b) pay bills.

3.5.4.7. Telephone Transfers. You may call us and initiate a transfer of funds
from one of your accounts with us to another account with us by using our phone
banking center.


3.5.5. LIMITATIONS ON TRANSFERS

The following transaction limits apply to your electronic fund transfers.

3.5.5.1. ATM Withdrawals and Transfers by Debit Card. You may use your Visa
Debit Card to make up to $2,020 in ATM withdrawals per day, $5,000 in PIN Point
of Sale (POS) purchases per day, and $5,000 in signature POS withdrawals per
day. ATM and POS transactions may also be limited in amount by the ATM owner or
merchant.

3.5.5.2. External Transfers. You may initiate up to $250,000 in External
Transfers into your TIAA Bank account in the aggregate in a single day, and you
may initiate up to $50,000 in External Transfers out of your TIAA Bank account
in the aggregate in a single day using this service. You may conduct up to 20
external transfers per day, subject to a maximum of 10 transfers that pull
deposit funds from a linked external account into your account at TIAA Bank and
a maximum of 10 transfers that send deposit funds from your account at TIAA Bank
to a linked external account, and up to 50 total external transfers per month.

3.5.5.3. Bill Pay. Generally, you may complete up to $15,000 per transaction and
per day in Bill Pay transfers. These general limits may be increased or
decreased at our sole discretion without advance notice to help ensure the
security and integrity of the Bill Pay service. In addition, these limitations
may be based on confidential fraud and risk criteria that are essential to our
management of risk and the protection of you and the integrity of the Bill Pay
service. At our discretion we may refuse to process any transaction that exceeds
any of the established limits, in which case, you are responsible for making
alternate arrangements or rescheduling the payment or transfer.

3.5.5.4. Zelle. Generally, on a daily aggregate basis, you may complete up to
$2,000 in Zelle transfers. These general limits may be increased or decreased at
our sole discretion without advance notice, except as may be required by law, to
help ensure the security and integrity of the Zelle Service. In addition, these
limitations may be based on confidential fraud and risk criteria that are
essential to our management of risk and the protection of you and the integrity
of the Zelle Service. You agree that in our reasonable discretion, we may take
appropriate steps to protect ourselves, you, and/or the Zelle Service from fraud
and other risks by, among other things, not processing any transaction that
exceeds any of the established limits or freezing your account to prohibit Zelle
and other transactions, in which case, you are responsible for making alternate
arrangements or rescheduling the payment or transfer.

3.5.5.5. Time Deposits (CDs). You may not make deposits into a CD after it has
been opened, and early withdrawal penalties apply.


3.5.6. FEES

The following fees apply to your electronic fund transfers.

3.5.6.1. ATM Transactions. We do not charge ATM fees. Third-party ATM owner or
operator fees may apply. In connection with certain promotions and/or for
certain of our accounts, we may provide reimbursements, up to established
limits, of such third-party ATM fees.

3.5.6.2. Expedited Bill Pay. If you use our bill pay service to request an
expedited payment to a third party, there is a fee for that service. The current
fee for an expedited payment is $4.95 if the expedited payment can be completed
electronically or $14.95 if the expedited payment must be made by check. You
will be told what the fee is at the time you request this service.

3.5.6.3. Visa Debit Card International Transaction. If you use an ATM card or
debit card to withdraw cash or make a purchase in a foreign country, we will
charge you two percent (2%) of the amount you withdraw once it is converted to
U.S. Dollars.

3.5.6.4. Stop Payment. If you instruct us to stop payment of an electronic funds
transfer that has already been processed, and it is possible for us to attempt
to stop the payment, we may charge you a fee of $25.

3.5.7. STATEMENTS AND OTHER DOCUMENTATION

3.5.7.1. Terminal Receipts. You can get a receipt at the time you make any
transfer to or from your account using one of our automated teller machines.

3.5.7.2. Preauthorized Credits. If you have arranged to have direct deposits
made to your account at least once every 60 days from the same person or
company, you can call us at the number listed at the end of this Booklet to find
out whether or not the deposit has been made.

3.5.7.3. Periodic Statement. See the Specific Terms section in this Booklet
related to your account for information on the statements provided for your
account(s).

3.5.8. CONFIDENTIALITY

See our Digital Privacy Practices Statement and Consumer Privacy Notice and/or
California Privacy Notice (as applicable) available on our website for
information on when we may disclose information about you or your account to
third parties.

3.5.9. PREAUTHORIZED PAYMENTS

3.5.9.1. Right To Stop-Payment And Procedure For Doing So. If you have told us
in advance to make regular payments out of your account, you can stop any of
these payments by contacting us at the numbers or addresses listed at the end of
this Booklet in time for us to receive your request three (3) Business Days or
more before the payment is scheduled to be made. Refer to the Deposit Account
Fee Schedule for the amount we will charge you for each stop-payment order you
request. Any oral order will be binding on us for only 14 calendar days, after
which we may terminate the oral stop-payment order, unless we receive your
written confirmation within that period.

3.5.9.2. Liability For Failure To Stop Payment Of Preauthorized Transfer. If you
order us to stop one of these payments three (3) Business Days or more before
the transfer is scheduled, and we do not do so, we will be liable for your
losses or damages.

3.5.10. YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC TRANSFERS

If you believe your Visa Debit Card or any related PIN, password, or Online
Banking password has been lost, stolen, or used without your permission or if
you believe that an electronic fund transfer has been made without your
permission, please call us at 1-888-882-3837 or write to us at P.O. Box 1284,
Charlotte, NC 28201-1284.

If your statement shows transfers or transactions that you did not make,
including those made by card, code or other means, tell us at once. Calling us
is the best way to minimize potential possible losses. You could lose all the
money in your account (plus your maximum Overdraft Protection line of credit, if
applicable). If you do not tell us within 60 days after the statement was sent
to you, you may not get back any money you lost after the 60 days, if we can
establish that we could have stopped someone from taking the money if you had
told us in time. The 60-day window may be extended under certain circumstances.

You must notify us within two Business Days if someone used your Visa Debit Card
or PIN without your permission. If you tell us within two Business Days after
you learn of the loss or theft of your Visa Debit Card or any related PIN, you
can lose no more than $50 if someone used your Visa Debit Card or PIN without
your permission.

If you do NOT notify us within two Business Days after you learn of the loss or
theft of your Visa Debit Card or PIN, and we can prove that we could have
stopped someone from using your card or PIN without your permission if you had
told us, you could lose as much as $500.

Visa maintains a “Zero Liability” policy, which protects consumer cardholders
from liability for fraudulent activity. This policy generally applies to all
Visa consumer credit and debit card transactions processed over the Visa
network. Non-Visa Debit Card PIN transactions are subject to standard liability
provisions under applicable law. In addition, if an error occurred on your
account, you still need to notify us in the proper format and within the 60-day
time frame, so that we may process a claim on the erroneous transaction and
credit your account consistent with applicable law.

3.5.11. OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS

If we do not complete a transfer to or from your account on time or in the
correct amount according to our Agreement, we will be liable for your losses or
damages. However, there are some exceptions. We will not be liable for instance:

 1. if,through no fault of ours, you do not have enough money in your account to
    make the transfer;
 2. if the fund transfer is not complete, or is reversed, because a third party
    does not permit the transfer;
 3. if the transfer would go over the credit limit on any linked line of credit;
 4. if the terminal or system was not working properly and you knew about the
    breakdown when you started the transfer;
 5. if the ATM at which you are conducting a transaction does not have enough
    cash;
 6. if circumstances beyond our control (such as fire or flood) prevent the
    transfer, despite reasonable precautions we have taken; or
 7. if there are other exceptions stated in our agreement with you or as
    provided by applicable law.

3.5.12. IN THE CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Contact us using the contact information listed above as soon as possible, if
you think your statement or receipt is wrong or if you need more information
about a transfer listed on the statement or receipt. We must hear from you no
later than 60 days after we sent the FIRST statement on which the problem or
error appeared. If you elect to receive your statements electronically, via the
Internet, you must notify us no later than 60 days after the FIRST statement
with the problem or error was available to you online. When reporting an error
or making an inquiry:

 1. tell us your name and account number;
 2. describe the error or the transfer you are unsure about and explain, as
    clearly as you can, why you believe it is an error, or why you need more
    information;
 3. tell us the dollar amount of the suspected error.

If you notify us orally, we may require that you also send us your complaint or
question in writing within 10 Business Days using the contact information listed
above. We will determine whether an error occurred within 10 Business Days after
we hear from you and will correct any error promptly. If we need more time,
however, we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will credit your account within 10 Business Days for
the amount you think is in error, so that you will have the use of your money
during the time it takes us to complete our investigation. If we ask you to put
your complaint or question in writing, and we do not receive it within 10
Business Days, we may not credit your account. For errors involving new
accounts, POS, or international-initiated transactions, we may take up to 90
days to investigate your complaint or question. For new accounts, we may take up
to 20 Business Days to credit your account for the amount you think is in error.
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.

We are not responsible for errors, delays, and other problems caused by, or
resulting from, the action or inaction of financial institutions holding the
third party account. Although we will try to assist you in resolving any such
problems, you understand that any such errors, delays, or other problems are the
responsibility of the relevant financial institution. Any rights you may have
against a financial institution for such errors, delays, or other problems are
subject to the terms of the agreements you have with such financial institution,
including any time limits during which complaints must be made. Please consult
the Wire Transfer Agreement within this Account Agreement for information on
your rights to dispute wire transfers in connection with your account, which are
not the same as those described here.

3.5.13. ATM OPERATOR AND NETWORK FEES

When you use an ATM, you may be charged a fee by the ATM operator or by any
network used. You may be charged a fee for a balance inquiry even if you do not
complete a fund transfer. In connection with certain promotions and/or for
certain of our accounts, we may provide reimbursements, up to established
limits, of such third-party ATM fees. If such ATM fee reimbursements are
provided to you, you are responsible for any income tax consequences. In the
event that your ATM fee reimbursements plus any other miscellaneous income that
we paid to you totals $600 or more in a calendar year, we will report these
collectively to the Internal Revenue Service on Form 1099-MISC, in the name of
the primary account holder.


3.6. BILL PAYMENT AND ELECTRONIC BILL PRESENTMENT SERVICE TERMS AND CONDITIONS

The following terms and conditions apply specifically to use of TIAA Bank’s Bill
Payment Service. By providing us with the names and account information of those
persons (or entities) to whom you wish to direct payment, you authorize us to
follow the payment instructions that are entered through our Bill Payment
Service.

NOTICE: Payment of taxes or court-ordered payments through TIAA Bank’s Bill
Payment Service is prohibited.

3.6.1. PROCESSING OF PAYMENT REQUESTS/RECOMMENDED TIMING

When you provide us with payment instructions, you authorize us to charge your
TIAA Bank account and remit funds on your behalf. As part of your scheduling of
payments, you must designate the day on which you want us to send your payment
(the “Send Date”). Subject to the following paragraphs, we will charge your
account and send the funds to your designated payee on the Send Date. We
recommend that you schedule the Send Date for your requested payment to be at
least five (5) Business Days before the actual due date of the payment. Because
of the possibility for delays in processing or posting of your payment, we do
not recommend that you schedule for payments to be received by your designated
payee on the due date or at the end of a grace period.

In order for us to be able to send your payment on your selected Send Date, your
selected Send Date must be at least one Business Day after the Business Day on
which we receive your request, as explained in this paragraph. If your request
for a payment is received by us before 9 p.m. (ET) (the “Cut-Off Time”) on a
Business Day, we will process your payment request on that same Business Day,
and we will withdraw the necessary funds from your account and send your payment
to your designated payee on the next Business Day that is your requested Send
Date. If your request for a payment is received by us on a day other than a
Business Day, or it is received by us after the Cut-Off Time on a Business Day,
we will process your payment request on the next Business Day, and withdraw the
necessary funds from your account and send the payment to your designated payee
on the later of (a) your selected Send Date or (b) two Business Days after you
made your request to us.

Some payees are unable to accept electronic payments. For those payees, we will
mail a check to the payee. After we have sent the payment, the payee typically
will receive the payment in three (3) Business Days if the payment is sent
electronically or five (5) Business Days if the payment is sent via check. If
you properly follow the procedures to access your account, as described in our
Online Banking Service Agreement found in the Account Agreement, on our website,
or after your Online Banking log in, and we fail to send a payment on your
designated Send Date, we will bear responsibility for the late charges (up to a
maximum of $50 per payment or transaction), subject to the seven exceptions
listed below. In any other event, including, but not limited to, your choosing a
Send Date too close to your payment due date to allow for receipt of your
payment by your payee, the responsibility for paying any and all late charges or
penalties imposed by your payee shall be borne by you.

We will not be responsible for payments sent to your designated payee after your
requested Send Date if you fail to provide us with adequate time to process your
request, as described above. In addition, we will not be liable to you or to
anyone else if your requested transactions cannot be completed on the day you
designated, if the delay is caused by circumstances beyond our control that
prevent us from processing your transaction on the requested date. Such
circumstances could include, without limitation, a computer or power failure,
fire, or flood. In addition, delays in handling and posting of payments by your
designated payee may delay your transactions.

We will use reasonable efforts to complete all your payments properly. However,
we shall incur no liability if it is unable to complete any payments initiated
by you through us because of the existence of one or more of the following
circumstances:

 1. your account does not contain sufficient funds to complete the payment.
    Payments are based on available funds per our Funds Availability Disclosure;
 2. you know or have been advised by us not to use the payment system due to
    temporary malfunction;
 3. the merchant or other payee mishandles or delays a payment sent by us;
 4. you have not provided us with the correct names or account information for
    those persons (or entities) to whom you wish to direct payment. We shall
    incur no liability for payments made improperly, or for payments we do not
    make, if you have provided us with incorrect information (even if the
    information you did provide was a close approximation of the correct
    information);
 5. circumstances beyond our control (such as, but not limited to, fire, flood,
    or interference from an outside force) prevent the proper execution of the
    transaction and we have taken reasonable precautions to void those
    circumstances;
 6. you instruct us to make a payment of taxes or court-ordered payments. As
    noted above, we cannot make these types of payments; or
 7. you schedule your payment date to be during the grace period for that
    merchant/payee.

We will not be responsible for any late fees associated with payments that you
have scheduled to be made after the due date on the bill. This is the case even
if the vendor allows a “grace period.” You may schedule payments during the
“grace period,” but any late charges associated with payments scheduled as such
will be your responsibility, regardless of the cause of the late payment.

If we cause an incorrect amount of funds to be removed from your account or
cause funds from your account to be directed to a person (or entity) who does
not comply with your payment instructions and none of the above seven exceptions
apply, we will return the improperly transferred funds to your account.

3.6.2. CHARGES AND FEES

Refer to the Electronic Fund Transfer Disclosures and Agreement and the Deposit
Account Fee Schedule.

3.6.3. INSUFFICIENT FUNDS

If you have instructed us to make a payment for which there are insufficient
available funds in your TIAA Bank account, we have no obligation to make the
payment.

3.6.4. BILL PAY SERVICE LIMITATIONS

3.6.4.1. Merchant Or Payee Limitations. We reserve the right to refuse to pay
any person (or entity) to whom you may direct a payment. We are obligated to
notify you promptly if we decide to refuse to pay a person (or entity)
designated by you. This notification is not required if you attempt to pay taxes
or court-ordered payments, which are prohibited under the Online Banking Service
Agreement.

3.6.4.2. Dollar Limits. Refer to the Electronic Fund Transfer Disclosures and
Agreement. Please note that for security, risk management, or other purposes, we
may impose limits on the amount of single payments or aggregate totals that
differ from those described in the Electronic Fund Transfer Disclosures and
Agreement.

3.6.5. ALTERATIONS AND AMENDMENTS

Bill Payment features and applicable fees and service charges may be changed by
us from time to time. We shall notify you of process improvements and other
beneficial or immaterial changes when you subsequently log into Online Banking.
However, if a change is adverse, we will send written notice at least 30 days
prior to the change. Any use of the Bill Payment Service after the change(s)
take(s) effect will constitute your agreement to such changes.

3.6.6. EXPEDITED PAYMENT SERVICES

As part of our Online Bill Pay Services, we offer an Expedited Payments service,
to speed up the time it takes to get your Bill Pay payment to its recipient.
This service is available as either expedited electronic bill payments or
overnight check bill payments. You will be charged a fee for this service. The
fee for expedited electronic bill payments and overnight check bill payments are
disclosed in your Electronic Fund Transfer Disclosures and Agreement and the
Deposit Account Fee Schedule and will be disclosed to you at the time you
initiate the payment.

3.6.6.1. General. You may select either an expedited electronic payment or
overnight check payment at the time you schedule your payment through the Bill
Payment Service. Not all payment recipients are able to receive expedited
electronic payments and you will not be presented with the option of an
electronic expedited payment if your payment recipient cannot receive your
payment electronically. Your transaction will be completed in accordance with
the delivery date presented when you initiate the payment (“Delivery Date”). You
are solely responsible for providing accurate information on the delivery
address for the payment and the account numbers or other information needed by
the payment recipient in order to credit your account.

3.6.6.2. On Time Guarantee. In the event that an expedited payment is not
delivered by the Delivery Date as a result of our fault, we shall reimburse you
for the transaction fee and any late payment fee paid by you up to $50. This
guarantee is not available if the Delivery Date presented when you initiate the
payment is after the due date for the bill. We reserve the right to request
documentation of any late fee for which you seek reimbursement.

3.6.6.3. Expedited Payment Service Limitations. Availability of expedited
payment options will be limited based on payment recipient capabilities, time of
day, payment delivery mechanisms and other factors. Expedited overnight checks
will be unavailable for delivery to P.O. Box addresses or locations in AK, HI,
or any foreign or United States territory outside of the contiguous 48 states
and District of Columbia. You are responsible for entering and verifying any
address for overnight check payments to ensure the address is correct and is
specified as a valid overnight package address by the payment recipient.

We are not responsible for late delivery if you enter an undeliverable address
for an overnight check. We are not responsible for errors made by you, the
overnight delivery service, or the payment recipient.

Due to the inherent need to expedite the payment, payment instructions will be
completed immediately upon submission of a request from you. You will not have
the ability to edit or cancel the payment instruction after you have confirmed
the payment request.

For security, risk management, or other purposes, we may limit the amount of a
single payment or aggregate totals.

3.6.7. BILL DELIVERY AND PRESENTMENT (AKA EBILLS)

With the eBills Service (“eBills”) your bills from certain service providers
(“Billers”) are presented to you electronically as part of your Online Banking
Service. This feature is for the presentment of eBills only. It remains your
sole responsibility to contact your Billers directly if you do not receive your
statements or do not receive your statements on time.

3.6.7.1. Information Provided To The Biller. eBills is unable to update or
change your personal information, such as, but not limited to, name, address,
phone numbers, and email addresses, with the Biller. Any changes will need to be
made by contacting the Biller directly. Additionally, it is your responsibility
to maintain all User IDs and Passwords for all Biller sites. You also agree not
to use someone else’s information to gain unauthorized access to another
person’s bill. We may, at the request of the Biller, provide to the Biller your
email address, service address, or other data specifically requested by the
Biller at the time of activating the eBill for that Biller.

3.6.7.2. Activation. Upon activation of eBills, we may notify the Biller of your
request to receive electronic billing information. The time for the presentment
of your first eBill may vary from Biller to Biller and may take up to 60 days.
Additionally, your ability to receive a paper copy of your statement(s) in
addition to your eBill is at the sole discretion of the Biller. While your eBill
feature is being activated and afterward, it is your sole responsibility to keep
your accounts current. Each Biller reserves the right to accept or deny your
request to receive eBills.

3.6.7.3. Authorization To Obtain Bill Data. Your activation of eBills for a
Biller shall be deemed by us to be your authorization for us to obtain bill data
from the Biller on your behalf. For some Billers, you will be asked to provide
us with your User ID and Password for that Biller. By providing us with such
information, you authorize us to use the information to obtain your bill data.

3.6.7.4. Notification. We will use our best efforts to present all of your
eBills promptly. In addition to notification within our Online Banking Service,
we may send an unencrypted email notification regarding the availability of the
bill to the email address listed for your account. It is your sole
responsibility to ensure that we have a current and accurate email address for
you. You may opt out of these email notifications by contacting the client
solutions team. Regardless of whether you receive any notification, it is your
responsibility to periodically log in to the Online Banking Service and check
for the delivery of new eBills. The time for notification may vary from Biller
to Biller. You have the sole responsibility for ensuring timely payment of all
bills.

3.6.7.5. Cancellation Of eBill Notification. The Biller reserves the right to
cancel the presentment of eBills at any time. You may cancel electronic bill
presentment at any time. The timeframe for cancellation of your electronic bill
presentment may vary from Biller to Biller. It may take up to 60 days, depending
on the billing cycle of each Biller. We will notify your Biller(s) as to the
change in status of your account and it is your sole responsibility to make
arrangements for an alternative form of bill delivery. We are not responsible
for presenting any eBills that are already in process at the time of
cancellation.

3.6.7.6. Non-Delivery Of eBill(s). You agree to hold us harmless should the
Biller fail to deliver your statement(s) timely. You have the sole
responsibility for ensuring timely payment of all bills. Copies of previously
delivered bills must be requested from the Biller directly.

3.6.7.7. Accuracy And Dispute Of eBill. We are not responsible for the accuracy
of your eBill(s). We are only responsible for presenting the information we
receive from the Biller. Any discrepancies or disputes regarding the accuracy of
your eBill summary or detail must be addressed with the Biller directly.

3.6.7.8. Your Obligations To Billers. This Online Banking Service Agreement does
not alter your liability or obligations that currently exist between you and
your Billers.


3.7. ZELLE® PERSON-TO-PERSON MONEY TRANSFER SERVICE—TERMS AND CONDITIONS

3.7.1. DESCRIPTION OF ZELLE SERVICES

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.” 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.

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.

3.7.2. ELIGIBILITY AND USER PROFILE

When you register to use the Zelle Service or when you permit others to whom you
have delegated to act on your behalf to use or access the Zelle Service, you
agree to these Zelle® Person-to-Person Money Transfer Service Terms and
Conditions (referred to throughout these terms and conditions as the
“Agreement”). This Agreement supplements and is part of your Account Agreement,
which includes, without limitation, the Online Banking Service Agreement.

You represent that you have the authority to authorize debits and credits to the
registered bank account. You agree that you will not use the Zelle 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 Zelle Service is intended for personal, not business or commercial use. You
agree that you will not use the Zelle Service to send or receive payments in
connection with your business or commercial enterprise, or to send payments to
or receive any payments from any other business or commercial enterprise. We
reserve the right to decline your registration if we believe that you are
registering to use the Zelle Service with your business account or to receive
business or commercial payments. We also reserve the right to refuse to pay any
person (or entity) to whom you may direct a payment. We are obligated to notify
you promptly if we decide to refuse to pay a person (or entity) designated by
you. This notification is not required if you attempt to pay taxes or
court-ordered payments, which are prohibited.

We further reserve the right to suspend or terminate your use of the Zelle
Service without notice to you for any reason, including but not limited to our
belief that you are using the Service for business or commercial purposes, to
send payments to or receive payments from any business or commercial enterprise,
or for any unlawful purpose.

You agree that, in our sole discretion, at any time, and with no liability to
you, we may modify any part of this Agreement or the Zelle Service. We will
maintain the most current version of this Agreement on our website for your
review at any time. By using the Zelle Service after any such modifications, you
agree to those modifications. You may terminate this Agreement with us by
notifying us in writing at the contact information included in the back of the
Booklet, including your name, account number(s), and the effective date to stop
the service.

3.7.3. CONSENT TO SHARE PERSONAL INFORMATION (INCLUDING ACCOUNT INFORMATION)

3.7.3.1. Right to validate lawful fund destination for funds transfers. In
addition to obtaining a consumer report (credit report) on you as provided in
your Account Agreement, we reserve the right to obtain such additional
information as we deem reasonably necessary to insure that you, or persons to
whom you may transfer funds, are not using the Service in violation of law,
including, but not limited to, laws and regulations designed to prevent money
laundering or the transfer of funds to or from persons or organizations whose
accounts are blocked under regulations of the Office of Foreign Asset Control
(OFAC) of the United States Treasury Department.

3.7.3.2. Right to use content. You hereby give us a license to use and verify
information, data, materials, or other content (the “Content”) you provide to us
for the purpose of providing the Service, subject to the terms of the our
Digital Privacy Practices Statement and Consumer Privacy Notice and/or
California Privacy Notice (as applicable). Without limiting the generality of
the foregoing, you understand and agree that we can share information about you
with Zelle and any other financial institutions involved with your transfers for
purposes of processing your transfers using the Service and resolving any
errors, disputes or other processing issues. Information we can share includes
the information you provide in our account application, your email address and
mobile device telephone number, as well as other information you provide to us
about the Service from time to time including updated informtation.

3.7.4. PRIVACY AND INFORMATION SECURITY

Information about our privacy and information security practices, including
Digital Privacy Practices Statement and Consumer Privacy Notice and/or
California Privacy Notice (as applicable) is available on our website.

3.7.5. 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 disclose your mobile number, name, address, email,
network status, customer type, customer role, billing type, mobile device
identifiers (IMSI and IMEI) and other subscriber status details, if available,
to our third party service provider, solely to allow verification of your
identity and to compare information you have provided to us or to Zelle with
your wireless operator account profile information for the duration of our
business relationship. See Zelle’s Privacy Policy which can be found at
zellepay.com/privacy-policy for how it treats your data.

3.7.6. REGISTERING FOR THE ZELLE SERVICE

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. You may not
register in the Service with a landline phone number, Google Voice number, or
Voice over Internet Protocol. Once registered, you may:

 1. Authorize a debit of your account to send money to another User either at
    your initiation or at the request of that User; and
 2. Receive money from another User either at that User’s initiation or at your
    request, subject to the conditions of the Section below titled “Requesting
    Money.”

If at any time while you are enrolled, you do not send or receive money using
the Zelle 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 Zelle Service until you enroll again.

3.7.7. 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 registered, 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 Zelle 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 register. You further acknowledge and agree:

 1. You are responsible for any fees or other charges that your wireless carrier
    may charge for any related data, text or other message services, including
    without limitation for short message service. Please check your mobile
    service agreement for details or applicable fees.
 2. You will immediately notify us if any email address or mobile phone number
    you have registered is (a) surrendered by you, or (b) changed by you.
 3. In the case of any messages that you may send through either us or Zelle or
    that we may send or Zelle may send on your behalf to an email address or
    mobile phone number, you represent that you have obtained the consent of the
    recipient of such emails or automated text messages to send such emails or
    text messages to the recipient. You understand and agree that any emails or
    text messages that we send or that Zelle sends on your behalf may include
    your name.
 4. Your wireless carrier is not liable for any delay or failure to deliver any
    message sent to or from us or Zelle, including messages that you may send
    through us or through Zelle or that we may send or Zelle may send on your
    behalf.
 5. To cancel text messaging from us, send STOP to 20736. For help or
    information regarding text messaging, send HELP to 20736 or contact our
    Client Solutions Team at 1-888-882-3837. You expressly consent to receipt of
    a text message to confirm your “STOP” request.
 6. Supported Carriers can be verified by contacting our Clients Solutions Team
    at 1-888-882-3837.
 7. Transfer instructions relating to external accounts and the transmission and
    issuance of data related to such instructions shall be received pursuant to
    (a) the terms the Account Agreement, including this Agreement, (b) the rules
    governing the Zelle Network and its participants, and (c) the rules of the
    National Automated Clearing House Association (“NACHA”) and the applicable
    automated clearing house (“Regional ACH”) (collectively, the “Rules”) and
    you and we agree to be bound by such Rules as in effect from time to time.
    In accordance with such Rules, any credit to an account shall be provisional
    until such credit has been finally settled by us or the third party
    institution which holds the account.

3.7.8. RECEIVING MONEY; MONEY TRANSFERS BY NETWORK BANKS

All transfers of money to you through the Zelle Service shall be performed by a
Network Bank pursuant to the direction of that Network Bank’s customer and at
all times subject to the terms and conditions of the relevant service agreement
between that Network Bank and its customer, including without limitation any
restrictions or prohibitions on permissible transactions. Once a User initiates
a transfer of money to your email address or mobile phone number registered with
the Zelle Service, you have no ability to stop the transfer. By using the Zelle
Service, you agree and authorize us to initiate credit entries to the bank
account you have registered.

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 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.

3.7.9. 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 Zelle Service by you
shall at all times be subject to (a) this Agreement, (b) the Account Agreement,
and (c) your express authorization at the time of the transaction for us or
another Network Bank 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
registered 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 registered as a User may fail to
register with Zelle, or otherwise ignore the payment notification, and the
transfer may not occur. If the person to whom you are sending money does not
register, set up an email address or mobile number and accept the transfer
within 10 days, the transfer will be cancelled.

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.

If you have instructed us to make a transfer for which there are insufficient
available funds in your account, we have no obligation to make the transfer.

3.7.10. LIABILITY

You agree that we can in our sole and absolute discretion at any time and
without liability to you: (1) decline to make any transfer that you request; and
(2) require additional security and verification steps that we specify to you
for us to confirm the validity of certain transfers being requested using the
Service. In addition, except as otherwise provided in this Agreement, neither we
nor Zelle shall have liability to you for any such transfers of money, including
without limitation, (a) any failure, through no fault of us or Zelle to complete
a transaction in the correct amount, or (b) 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 Zelle Service.

THE ZELLE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS
WHOM YOU TRUST. YOU SHOULD NOT USE THE SERVICE 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 AND ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED.)

YOU UNDERSTAND AND AGREE THAT IF YOU MISTAKENLY SEND FUNDS TO AN INCORRECT EMAIL
ADDRESS OR MOBILE NUMBER, THIS DOES NOT CONSTITUTE AN UNAUTHORIZED FUNDS
TRANSFER OR ERROR UNDER REGULATION E OR THE RULES. YOU FURTHER UNDERSTAND AND
AGREE THAT YOU ARE RESPONSIBLE AND LIABLE FOR ANY FUNDS THAT YOU SEND USING THE
ZELLE SERVICE.

YOU AGREE THAT YOU, NOT WE OR ZELLE, ARE RESPONSIBLE FOR RESOLVING ANY PAYMENT
OR OTHER DISPUTES THAT YOU HAVE WITH ANY OTHER USER WITH WHOM YOU SEND MONEY TO,
OR RECEIVE OR REQUEST MONEY FROM, USING THE ZELLE SERVICE.

3.7.11. SEND LIMITS

Refer to the Electronic Fund Transfer Disclosures and Agreement (the “EFT
Agreement”). Please note that for security, risk management, or other purposes,
we may impose limits on the amount of single payments or aggregate totals that
differ from those described in the EFT Agreement.

3.7.12. 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 Zelle 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.

3.7.13. ELECTRONIC FUND TRANSFER DISCLOSURES AND AGREEMENTS

The EFT Agreement provided to you with your Account Agreement or from time to
time after you opened your account provides additional terms for the electronic
transfers, which include such transfers through the use of this Service. The EFT
Agreement includes, among other things, information on reporting of, and
liability for, unauthorized electronic fund transfers. Except as modified by
these terms and conditions, the terms of the EFT Agreement apply to the
transfers you make using this Service.

3.7.14. FEES

There is no fee for sending or receiving a transfer under the Service.

3.7.15. USE OF OUR ONLINE BANKING SERVICES; TERMINATION OF SERVICES

Your use of the Zelle Service is subject to your Account Agreement, which
includes the Online Banking Service Agreement and which is incorporated into and
made a part of this Agreement by reference, and you agree to access the Zelle
Service in compliance with your Account Agreement. We may, in our sole
discretion, terminate your access to the Zelle Service if you do not comply with
the terms of your Account Agreement or if your account(s) are not maintained in
good standing.

3.7.16. DISCLAIMER OF WARRANTIES

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE
NOR ZELLE MAKES ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR
ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. 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 SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

3.7.17. LIMITATION OF LIABILITY

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT
WILL WE OR 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 (A) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (B)
ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE ZELLE
SERVICES DESCRIBED OR PROVIDED; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR
TRANSMISSIONS OR DATA; OR (D) ANY OTHER MATTER RELATING TO THE ZELLE SERVICES
DESCRIBED OR PROVIDED, EVEN IF WE OR ZELLE HAVE BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE ZELLE SERVICE OR WITH THE
TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING
THE ZELLE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL
OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF US OR 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).

3.7.18. INDEMNIFICATION

You acknowledge and agree that you are personally responsible for your conduct
while using the Zelle Service, and except as otherwise provided in this
Agreement, you agree to indemnify, defend and hold harmless us, Zelle, our and
its respective owners, directors, officers, agents and its 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 Zelle Service, or any violation by you
of the terms of this Agreement.

3.7.19. 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 U.S. bank holidays.

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


3.8. EXTERNAL TRANSFERS TERMS AND CONDITIONS

The following terms and conditions apply specifically to use of TIAA Bank’s
External Transfers Service (the “External Transfers Service” or “Service”),
which allows you to move funds between TIAA Bank accounts (“Accounts” or “TIAA
Bank Accounts”) and validated accounts in your name at another financial
institution (“Third-party Accounts”). By using the External Transfers Service
you agree to these terms and conditions.

3.8.1. GENERAL

In order to provide the External Transfers Service, we need your permission to
use and verify information available about your Third-party Accounts from other
financial institutions’ websites. In addition, you must authorize us to act as
your agent to originate a funds transfer from another financial institution,
ensure the funds are good, and distribute them to your TIAA Bank Account. Once
enrolled, you will be able to move funds between TIAA Bank Accounts and
Third-party Accounts.

The term “Consumer Account” means a TIAA Bank Account established by an
individual primarily for personal, family or household purposes. Certain
provisions of this Agreement apply only to Consumer Accounts.

3.8.2. AUTHORIZATION TO USE PERSONAL INFORMATION TO VALIDATE YOUR ACCOUNT

3.8.2.1. Right to validate funding source for funds transfers. To be approved
for this Service and before you can move money between your TIAA Bank Account
and any Third-party Accounts, your access to Third-party Accounts must be
verified. This verification may be accomplished in certain instances by
providing to us your user name, password, and/or other login information to
access information on your Third-party Accounts through a secure online
platform. This verification may also be accomplished through the use of
small-dollar credits to your Third-party Account. For these purposes, you
authorize us to (a) access your Third-party Accounts through a secure online
platform using the login information you have provided to us and/or (b) validate
your Third-party Accounts through the use of small random credits to your
Third-party Account, which you must then verify to us. You also authorize us to
verify the funding source to affect the funds transfers you request. By using
the External Transfer Service, you represent and warrant to us that you have the
right to authorize and permit us to access your Third-party Accounts to make
such funds transfers or for any other purpose authorized by these terms and
conditions, and you also confirm to us that by disclosing and authorizing us to
use such information you are not violating any third-party rights. You warrant
and represent that the information you are providing us is true, current,
correct and complete. You hereby authorize and permit us to use information
provided by you to accomplish these purposes.

3.8.2.2. Right to validate lawful fund destination for funds transfers. In
addition to obtaining a consumer report (credit report) on you as provided in
your Account Agreement, we reserve the right to obtain such additional
information as we deem reasonably necessary to insure that you, or persons to
whom you may transfer funds, are not using the Service in violation of law,
including, but not limited to, laws and regulations designed to prevent money
laundering or the transfer of funds to or from persons or organizations whose
accounts are blocked under regulations of the Office of Foreign Asset Control
(OFAC) of the United States Treasury Department.

3.8.2.3. Right to use content. You hereby give us a license to use and verify
information, data, materials, or other content (the “Content”) you provide to us
for the purpose of providing the Service, subject to the terms of our Digital
Privacy Practices Statement and Consumer Privacy Notice and/or California
Privacy Notice (as applicable).


3.8.3. OUR RESPONSIBILITIES

3.8.3.1. Liability for failure to make transfers involving consumer accounts. If
we do not complete a transfer to or from your Consumer Account on time or in the
correct amount according to our agreement with you, we will be liable for your
losses or damages. However, there are some exceptions. We will NOT be liable,
whether you have a Consumer Account or another Account, for instance:

 * If, through no fault of ours, you do not have enough money in your Account or
   your Third-party Account to make the transfer;
 * If the funds transfer is not complete, or is reversed, because the provider
   of your Third-party Account does not permit the transfer;
 * If the transfer would go over the credit limit on your overdraft line or
   private line of credit;
 * If our or your system was not working properly and you knew about the
   breakdown when you started the transfer;
 * If circumstances beyond our control (such as fire or flood) prevent the
   transfer, despite reasonable precautions we have taken; or
 * If there are other exceptions stated in our agreement with you.

We will not be liable if we do not complete a transfer on time or in the correct
amount to or from any of your accounts that are not Consumer Accounts.

3.8.4. YOUR RESPONSIBILITIES

3.8.4.1. Joint Account Holder Notification And Approval. By enrolling in and
using the Service, you confirm that any joint account holders have consented for
you to use your Third-party Accounts and TIAA Bank Accounts for the Service. We
will end your use of the Service if any joint account holder notifies us that
(a) they never consented to your use of the Service, (b) the joint account can
no longer be operated on your instructions alone, or (c) they are withdrawing
consent for you to operate the joint account.

3.8.4.2. Authorized, Valid Transaction For Funds Transfers. You agree that your
transfer instructions constitute authorization for us to complete the transfer.
You represent and warrant to us that you have enough money in the applicable
TIAA Bank Accounts or Third-party Accounts to make any funds transfer you
request that we make on your behalf through the Service.

3.8.5. TRANSFER TYPES AND LIMITATIONS

3.8.5.1. Means Of Conducting Transfer. You may use your Account and password to
transfer funds with Third-party Accounts you have successfully registered with
this Service. The types of transfers that can be made are:

 * Transfer from Third-party Accounts to TIAA Bank Accounts;
 * Transfer from TIAA Bank Accounts to Third-party Accounts.

You authorize us to select any means we deem suitable, including but not limited
to electronic money movement, funds transfer systems, mail, courier,
telecommunications, intermediary banks and organizations, or other banking
channels, to provide your funds transfer instructions to the provider of the
Third-party Account. You agree to be bound by the rules and regulations that
govern the applicable means of transfer, such as CHIPS and/or NACHA operating
rules.

3.8.5.2. Same-Day Transaction. Transactions made on banking Business Days,
Monday-Friday, by 7 p.m. (ET) will be processed on the current Business Day.
Transactions made after 7 p.m. (ET) will be conducted on the next Business Day.

3.8.5.3. Funds Availability. Our policy is to delay the availability of funds
transferred into your TIAA Bank Account from your Third-party Account when such
transfer is made under these terms and conditions. During the delay, you may not
withdraw the funds in cash and we may not use the funds to pay items that are
presented to your TIAA Bank Account. Even after we have made funds available to
you and you have withdrawn the funds, you are still responsible for transfers
from your Third-party Account that are returned to us unpaid and for any other
problems involving your funds transfer. The length of the delay is counted in
Business Days from the day of your deposit. We will delay your funds
availability for three Business Days from the date of the transaction. The
transfer affecting your TIAA Bank Account will appear in your transaction
history on the Business Day after the transaction was processed.

Availability Example: If an external transfer is initiated in our online banking
platform on a Monday that is not a federal holiday and there are no federal
holidays that week, funds will be available as follows:

External Transfer Initiated On Monday   Transaction Will Appear In Account
History   Interest Will Begin To Accrue On Deposited Funds   Funds Will Be
Available For Withdrawal/Use Before 7 p.m. (ET)   Tuesday   Tuesday   Friday
After 7 p.m. (ET)   Wednesday   Wednesday   Monday

3.8.5.4. External Transfers Limitations. Refer to the Electronic Fund Transfer
Disclosures and Agreement. Please note that for security, risk management, or
other purposes, we may impose limits on the amount of single payments or
aggregate totals that differ from those described in the Electronic Fund
Transfer Disclosures and Agreement.

3.8.5.5. Transaction authorization. You understand that to effect your funds
transfer instruction we debit one account and credit another account. Only one
of the accounts in the transaction will be a Third-party Account. If the debit
side fails or is returned for any reason and cannot be collected, you authorize
us to collect from the account to which the credit side of the funds transfer
was sent. To effect this collection, you understand and authorize us to debit
the credited account in the same dollar amount as the original funds transfer.

3.8.5.6. Transfers Subject To The Rules At Depository Institutions.
Additionally, all funds transfers are also subject to the rules and regulations
governing the relevant Third-party Accounts. You agree not to affect any funds
transfers from or to a Third-party Account that are not allowed under the rules
or regulations applicable to such accounts.

3.8.6. CHARGES AND FEES

Refer to the Electronic Fund Transfer Disclosures and Agreement and the Deposit
Account Fee Schedule.

3.8.7. INSUFFICIENT FUNDS

If you have instructed us to make a transfer for which there are insufficient
available funds in your TIAA Bank account, we have no obligation to make the
transfer.

3.8.8. ERROR REPORTING

3.8.8.1. Our Responsibility For Errors. Please also see the “Our
Responsibilities” section above. We are not responsible for errors, delays and
other problems caused by or resulting from the action or inaction of the
provider of your Third-party Account. Although we will try to assist you in
resolving any such problems, you understand that any such errors, delays or
other problems are the responsibility of the relevant provider of your
Third-party Account. Any rights you may have against a financial institution for
such errors, delays or other problems are subject to the terms of the agreements
you have with such financial institution, including any time limits during which
complaints must be made.

3.8.8.2. Your Responsibility For Errors. You understand that not all types of
accounts are eligible for funds transfer. You will check with the provider of
your Third-party Account for restrictions regarding transfers among your
retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business,
corporate and other account types. We are not responsible for any costs or
losses incurred from funds transfers that are not permitted under such
restrictions by the provider of your Third-party Account. You understand that we
must rely on the information provided by you and you authorize us to act on any
instruction which has been or reasonably appears to have been sent by you, to
submit funds transfer instructions on your behalf. You understand that financial
institutions receiving the funds transfer instructions may rely on such
information. We are not obligated to take any further steps to confirm or
authenticate such instructions and will act on them without getting further
confirmation. You understand that if you provide us with incorrect information
or if there is any error in your instruction we will make all reasonable efforts
to reverse or delete such instructions, but you accept full responsibility for
losses resulting from any errors, duplication, ambiguities or fraud in that
information. You agree not to impersonate any person or use a name that you are
not authorized to use. If any information you provide is untrue, inaccurate, not
current or incomplete, without limiting other remedies, we reserve the right to
recover from you any costs or losses incurred as a direct or indirect result of
the inaccurate or incomplete information. You understand and agree that at all
times your relationship with each Third-party Account provider is independent of
TIAA Bank and your use of the External Transfer Service. We will not be
responsible for any acts or omissions by the provider of any Third-party
Account, including without limitation any modification, interruption or
discontinuance of any Third-party Account by such provider.

YOU AGREE THAT TIAA BANK SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR
DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) OUR ACCESS TO THE THIRD-PARTY
ACCOUNTS; (2) OUR DEBIT AND/OR CREDIT OR INABILITY TO DEBIT AND/OR CREDIT THE
THIRD-PARTY ACCOUNTS IN ACCORDANCE WITH YOUR FUNDS TRANSFER INSTRUCTIONS;(3) ANY
INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION
RETRIEVED FROM THE THIRD-PARTY ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY PROVIDER
OF THIRD-PARTY ACCOUNTS; AND (5) ANY FUNDS TRANSFER LIMITATIONS SET BY THE
FINANCIAL INSTITUTIONS OR OTHER PROVIDERS OF THE THIRD-PARTY ACCOUNTS.

3.8.8.3. Electronic Fund Transfers Disclosures And Agreements. An Electronic
Fund Transfer Disclosures and Agreement provided to you with your Account
Agreement or from time to time after you opened your Consumer Account (the “EFT
Agreement”) provides additional terms for the electronic transfers to and from
Third-party Accounts that are Consumer Accounts that you may make under these
terms and conditions. The EFT Agreement includes, among other things,
information on reporting of, and liability for, unauthorized electronic fund
transfers. Except as modified by these terms and conditions, the terms of the
EFT Agreement apply to the transfers you make to or from Third-party Accounts
that are Consumer Accounts that you make using this External Transfers Service.

3.8.9. NO UNLAWFUL OR PROHIBITED USE OF THIS SERVICE

As a condition of using the Service, you warrant to us that you will not use the
Service for any purpose that is unlawful or is not permitted, expressly or
implicitly, by these terms and conditions or by any applicable law or
regulation. You further warrant and represent that you will not use the Service
in any manner that could damage, disable, overburden, or impair the Service or
interfere with any other party’s use and enjoyment of the Service. You may not
obtain or attempt to obtain any materials or information through any means not
intentionally made available or provided for through the Service. You agree that
these warranties and representations will remain in full force and effect even
if your Account Agreement terminates, or the External Transfer Services is
terminated, for any reason.

3.8.10. LIMITATION OF WARRANTY AND LIABILITY

YOU UNDERSTAND AND AGREE THAT THIS SERVICE IS PROVIDED “AS-IS.” EXCEPT AS
OTHERWISE PROVIDED IN THIS AGREEMENT OR AS REQUIRED BY LAW, YOU UNDERSTAND AND
EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK. EXCEPT AS
EXPRESSLY SET FORTH IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND,
EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF
INTELLECTUAL PROPERTY OR THIRD-PARTY RIGHTS, AND WE MAKE NO WARRANTY OR
REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS
SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THIS
SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED FROM YOUR ACCOUNTS OR THAT
THIS SERVICE WILL MEET ANY REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR
ERROR FREE. EXCEPT AS DESCRIBED IN THIS AGREEMENT, WE WILL NOT BE LIABLE FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY
KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE SERVICE, ANY
INACCURACY OF ANY INFORMATION OR AMOUNT RETRIEVED FROM THE ACCOUNTS, ANY BREACH
OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED ON THIS
SERVICE, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF USER’S
TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND
SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR
OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.

3.8.11. INDEMNIFICATION

You agree to indemnify, defend and hold harmless TIAA Bank, its affiliates,
partners, officers, directors, employees, consultants and agents from any and
all third-party claims, liability, damages and/or costs (including, but not
limited to, attorney fees) arising from your use of the Service.


3.9. WIRE TRANSFER AGREEMENT

This Wire Transfer Agreement (“Wire Agreement”) explains the terms and
conditions governing the Wire Transfer Services offered by us, and supplements
and is a part of your Account Agreement. If you wish to use our Wire Transfer
Services, the following terms and conditions shall govern all transactions for
our acceptance and processing of your payment orders, credits and related
requests. If a discrepancy or inconsistency were determined to exist between the
terms and conditions and other provisions of this Wire Agreement and your
Account Agreement, then this Wire Agreement shall control with respect to the
Wire Transfer Service, but only to the extent necessary to address the
discrepancy or inconsistency. Unless otherwise defined below, the terms used in
this section of this Wire Agreement shall have the same meaning as set forth in
the State of Florida's statutes that implement Article 4A of the Uniform
Commercial Code.

3.9.1. YOUR AGREEMENT TO TERMS

By using the Wire Transfer Services, you agree to abide by the terms and
conditions set forth in this Wire Agreement and that this Wire Agreement will
govern the Wire Transfer Services. Your use of our Wire Transfer Services
acknowledges your receipt and understanding of this Wire Agreement. You agree to
be responsible for all charges incurred according to this Wire Agreement.

3.9.2. AUTHORIZATION AND SECURITY PROCEDURES

We have established operating rules and security procedures (“Security
Procedures”) for you to initiate and receive funds transfers to or from your
account(s). These procedures are incorporated by reference and made part of this
Wire Agreement. Additional callback procedures may be utilized by you as
described in the Security Procedures. You agree that the Security Procedures are
commercially reasonable in light of your circumstances and the type, value and
frequency of the payment orders you will request. You also agree to keep the
Security Procedures confidential and not to disclose the Security Procedures to
anyone except the persons whom you have authorized to make transfer requests on
your behalf (“Authorized Representatives”). If you or any of your Authorized
Representatives have reason to believe that a Security Procedure may have been
learned by an unauthorized person, you agree to notify us immediately by
telephone. If we receive a payment order (or related request) in accordance with
our Security Procedures, it shall be conclusively deemed authentic and we shall
be entitled to rely on it. You are responsible for the accuracy of the initial
communication of the payment order as well as the accuracy of any documentation
or callback of the payment order made by us.

3.9.3. INFORMATION SUPPLIED BY YOU

You agree that we may rely on the information that you provide to us in any
payment order or related communication. You agree that any errors in that
information, including without limitation misidentification of beneficiary(ies),
incorrect or inconsistent account names and numbers, and misspellings, are your
responsibility. You agree to supply us, in addition to the information requested
in this Wire Agreement, any other information that we may reasonably request in
order to execute your payment orders.

3.9.4. EXECUTION OF PAYMENT ORDERS

If we receive a payment order that has been verified according to TIAA Bank’s
Security Procedures, you authorize and direct us to debit your account(s). We
are also authorized to implement any instructions, including amendments or
cancellations of prior payment orders, upon verification of such instructions.
We are authorized to rely on any payment order believed by us in good faith to
have been given by an Authorized Representative and in accordance with our
Security Procedures. We may handle payment orders received in any order selected
by us and, unless otherwise requested by you and we agree to your request, we
may use any means, intermediaries or funds transfer systems which may have
operating rules governing the execution of payment orders to effect the transfer
as we, in our sole discretion, shall determine.

3.9.5. CUT-OFF TIMES

We must receive all payment orders before the cut-off time for funds transfers
on a Business Day established by us from time to time. Any payment orders or
related requests received after such deadlines, on weekends, or holidays for us
or the bank or institution to receive the transfer, or the funds transfer system
to be used, will be treated as received on our next funds transfer Business Day.
You will make reasonable efforts to submit large dollar wire requests, those in
excess of $5 million, as early in the Business Day as possible. We will make
reasonable efforts to execute all payment orders received prior to the deadline.
In certain cases, especially in the case of foreign wires, we may need to
contact you by telephone to confirm your instructions and to provide you with
important disclosures before we are able to process your request.

3.9.6. REJECTION OF FUNDS TRANSFER REQUESTS

We reserve the right to reject any payment order. We may reject your payment
order for any reason, including without limitation:

 1. If you have insufficient available funds in your account;
 2. If your instruction is received by us by a communication means not
    authorized by us;
 3. If your instruction is unclear or incomplete;
 4. If we are unable to confirm your instruction; or
 5. If for any reason, the instruction is unsatisfactory to us.

3.9.7. CANCELLING OR CHANGING TRANSFERS

If you decide to cancel or change a wire transfer request, you may only do so if
we receive that instruction before we have sent the wire transfer and provided
we had a reasonable time to act on your request. In general, after we have sent
the wire transfer, you will not be able to cancel or change it unless the
beneficiary bank consents to such a request. We and/or the beneficiary bank may
impose a charge for canceling or changing a wire transfer and for any required
currency conversion. We will not be liable for any losses resulting from the
failure of a beneficiary bank to cancel or change your wire transfer. Note that
separate rights and responsibilities may apply to foreign wire transfers,
including an additional error resolution period. For more information, please
refer to disclosures we will provide to you at the time of such transfers.

3.9.8. ADVICE OF FUNDS TRANSFERS

Unless otherwise agreed in writing, or required by law, we will not provide a
same or next-day wire transfer summary statement or confirmation. Instead, we
will notify you of a receipt or payment by wire transfer in any periodic
statement provided to you. You agree to examine each of your periodic statements
promptly upon receipt and to notify us immediately of any discrepancies between
the periodic statement and your records. We shall not be liable for interest
compensation unless we are notified of the discrepancy within 30 days after the
date of your statement indicating the debit for the payment order in question.
You agree that your right to assert a claim against us with respect to any
transaction reasonably identified on a statement shall expire 60 days after the
date of the transaction which becomes the basis for such a claim. Note that
separate rights and responsibilities may apply to foreign wire transfers,
including an additional error resolution period. For more information, please
refer to disclosures we will provide to you at the time of such transfers.

3.9.9. LIMITATION OF LIABILITY AND INDEMNIFICATION

You expressly agree that we shall be liable to you only for our erroneous
execution of a payment order. We shall not be liable for any errors on the part
of any third party including, without limitation, third parties used by us in
executing a payment order or performing a related act and no such third party
shall be deemed to be our agent. We shall not be liable for our refusal to honor
any request if we, in good faith, are unable to determine to our satisfaction
that such request is valid, based upon our adherence to the Security Procedures.
IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE
DAMAGES, OR LOST PROFITS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGE. Except as may be limited by applicable law, you agree to indemnify
us and hold us harmless (including the payment of attorneys’ reasonable fees)
against all liability to third parties arising out of or in connection with the
terms and conditions of this Wire Agreement and the services provided hereunder
or otherwise pursuant to your instructions.

3.9.10. USE OF IDENTIFYING NUMBERS

In the event a payment or payment order identifies a beneficiary, beneficiary’s
bank, or intermediary bank inconsistently by name and an identifying number
(such as an account number, S.W.I.F.T. address or universal identification
number), the beneficiary bank or intermediary bank may make payment based solely
on the identifying number, even if the identifying number identifies a person or
entity different from the named person or entity in your payment order. In such
cases, the payment will be final even if the identifying number you provided
does not correspond to the beneficiary you have identified. Any losses resulting
from an incorrect identifying number are your responsibility and not the
responsibility of TIAA Bank. Your obligation to pay the payment order shall not
be excused by your error. For wires sent in to TIAA Bank, we are also entitled
to rely on the identifying number as proper identification of a beneficiary and
to credit the account based solely on that identifying number. We have no duty
to determine if the name and identifying number are consistent.

3.9.11. FEES IMPOSED BY OTHER BANKS

You agree that any intermediary bank or beneficiary bank that assists in the
processing of your payment order may charge a fee for processing your order.
TIAA Bank has no control over these fees and is not responsible for these fees.
These fees may be deducted by the intermediary bank or beneficiary bank from the
amount to be credited to the beneficiary of your funds transfer or, in the case
of wire transfers into TIAA Bank, deducted from the amount sent to you.

3.9.12. INTEREST COMPENSATION

In the event that we shall be liable to you for interest compensation under this
Wire Agreement or by applicable law, interest shall be calculated on the basis
of the average Federal Funds rate for the period involved. You agree that we
may, at our sole option, pay interest compensation as follows: (a) by lump sum
payment of cash, or (b) by providing a credit to your account with us.

3.9.13. INTERNATIONAL PAYMENTS

Orders for the transfer of United States dollars shall be paid in United States
dollars if transferred to a beneficiary located in the United States or its
protectorates or territories. If transferred to a beneficiary located elsewhere,
the beneficiary’s bank may elect to pay the beneficiary in foreign currency at
the bank’s buying rate of exchange for wire transfers. It is your responsibility
to advise the beneficiary of this possibility.

In most cases, your international wire transfers will be subject to special
provisions of U.S. law that will require us to provide you with certain
disclosures before we are able to process your request. For this reason, we may
need to contact you by telephone before your request can be processed. In
addition, you may have special rights and protections in connection with these
transfers, including a 30-minute statutory right to cancel and a 180-day error
resolution period. For more information, please contact us in advance of your
request or refer to disclosures we will provide you at the time you submit such
a request.

We may send any message relative to this order in explicit language, code or
cipher. Foreign currency transfer orders are final when made to us unless
transferring funds outside of the United States. For such foreign wire
transfers, you may have a 30-minute right to cancel as described in the
disclosures we provide to you when you request your wire transfer. However,
pursuant to your request, and only if possible, we may cancel or amend any order
before the transfer is effected. Except where provided by law, we shall incur no
liability if we are unable, for any reason, to cancel or amend an order. Refunds
of United States dollar orders shall be in the United States dollar amount.
Refunds of foreign currency orders may be either in the form of a foreign
currency or in the amount of United States dollars.


3.10. MOBILE CHECK DEPOSIT AGREEMENT

This Personal Mobile Check Deposit Agreement (the “Mobile Deposit Agreement”)
governs the use of TIAA Bank's Mobile Check Deposit service (the “Service” or
“Services”) by having personal, non-business deposit accounts with us. By using
the Services, you agree to the terms, conditions, and disclosures in this Mobile
Deposit Agreement. This Mobile Deposit Agreement supplements and is part of your
Account Agreement. If a discrepancy or inconsistency is determined to exist
between the terms and conditions of this Mobile Deposit Agreement and your
Account Agreement, then this Mobile Deposit Agreement shall control with respect
to the Services, but only to the extent necessary to address the discrepancy or
inconsistency.

For purposes of this Mobile Deposit Agreement, the words “We,” “Our,” “Us,”
“Bank” and other similar terms mean TIAA Bank. “You,” “Your,” “User” and other
similar terms refer to the person applying for or receiving the Service and
anyone else authorized by that person to exercise control over his or her
deposits through the Service.

3.10.1. DEFINITIONS

The following capitalized terms have the following means for purposes of this
Mobile Deposit Agreement.

3.10.1.1. “Authentication Method” means the process of confirming the identity
of a person that is attempting to access a system or of confirming the
authenticity of a message by utilizing:

 1. something the user knows (e.g., password, PIN);
 2. something the user has (e.g., ATM card, smart card); or
 3. something the user is (e.g., biometric characteristic, such as a
    fingerprint).

3.10.1.2. “Automated Clearing House” and “ACH” mean a facility that processes
debit and credit transfers under rules established by a Federal Reserve Bank
operating circular on Automated Clearing House items or under rules of an
Automated Clearing House association.

3.10.1.3. “Business Day” means every day except Saturdays, Sundays and federal
holidays.

3.10.1.4. “Check” means a draft that is payable on demand, drawn on or payable
through or at an office of a United States Financial Institution (defined
below), whether negotiable or not, and payable to you, and includes Original
Checks and Substitute Checks. Such term does not include Non-cash Items or items
payable in a medium other than United States currency or drawn on a foreign
financial institution. The term Check includes a traveler’s check drawn on or
payable through or at a bank, and a money order.

3.10.1.5. “Check Image” means an electronic image of an Original Check
(including a Substitute Check) created by you in connection with the Service.

3.10.1.6. “Copy” of an Original Check means any paper reproduction of an
Original Check, including:

 1. a paper printout of an electronic image of the Original Check,
 2. a photocopy of the Original Check, or
 3. a Substitute Check.

3.10.1.7. “Designated Account” means the Qualifying Account (defined below) into
which the funds relating to your Check Images will be deposited. If you have
more than one Qualifying Account, you will select the Designated Account for
each deposit at the time of deposit.

3.10.1.8. “Image Exchange Item” means a digitized image of a Check cleared and
settled directly with a Payor Financial Institution without conversion to a
Substitute Check.

3.10.1.9. “Item” means a Check or Check Image.

3.10.1.10. “Magnetic Ink Character Recognition Line” and “MICR Line” mean the
numbers, which may include the Routing Number, account number, Check number,
Check amount, and other information, that are printed near the bottom of a Check
in magnetic ink in accordance with American National Standard Specifications for
Placement and Location of MICR Printing for an Original Check and American
National Standard Specifications for an Image Replacement Document for a
Substitute Check (unless the Federal Reserve Board, by rule or order, determines
that different standards apply).

3.10.1.11. “Non-cash Item” means an item that would otherwise be a Check, except
when:

 1. a passbook, certificate or other document is attached;
 2. it is accompanied by special instructions, such as a request for special
    advice of payment or dishonor;
 3. it consists of more than a single thickness of paper, except a Check that
    qualifies for handling by automated Check processing equipment; or
 4. it has not been pre-printed or post-encoded in magnetic ink with the Routing
    Number of the Payor Financial Institution.

3.10.1.12. “Original Check” means the first paper Check issued with respect to a
particular payment transaction.

3.10.1.13. “Payor Financial Institution” means the United States Financial
Institution ordered in a Check to make payment to the payee(s) named on the
Check.

3.10.1.14. “Qualifying Account” means an eligible checking, money market, or
savings account with us that is an account for your personal, family, or
household purposes and not for business purposes.

3.10.1.15. “Routing Number” means the number printed on the face of a Check in
fractional form or in nine digit form; or the number in a bank’s endorsement in
fractional or nine digit form.

3.10.1.16. “Service” means the Mobile Check Deposit Service described in this
Mobile Deposit Agreement.

3.10.1.17. “Substitute Check” means a paper reproduction of an Original Check
that:

 * contains an image of the front and back of the Original Check;
 * bears a MICR line that contains all the information appearing on the MICR
   line of the Original Check at the time that the Original Check was issued and
   any additional information that was encoded on the Original Check’s MICR line
   before an image of the Original Check was captured;
 * conforms in paper stock, dimension, and otherwise; and
 * is suitable for automated processing in the same manner as the Original
   Check.

3.10.1.18. “Sufficient Copy” means a copy of an Original Check that accurately
represents all of the information on the front and back of the Original Check as
of the time the Original Check was truncated or is otherwise sufficient to
determine whether or not a Check is valid.

3.10.1.19. “United States Financial Institution” means:

 * any person, located in the United States, engaged in the business of banking;
 * a Federal Reserve Bank;
 * a Federal Home Loan Bank; and
 * to the extent it acts as a payor, the United States Treasury, the United
   States Postal Service, or a State or local government.

All other capitalized terms used in this Mobile Deposit Agreement and not
defined herein are defined in your Account Agreement.

3.10.2. YOUR ACCOUNT AGREEMENT

3.10.2.1. Our And Your Rights And Obligations. Your Account Agreement contains
additional terms and conditions applying to your Qualifying Account(s) and this
Service. Those terms and conditions include, without limitation, terms relating
to the presentment, collection and return of Checks and other items. Your
Account Agreement also includes provisions relating to your rights and your
obligations and liabilities to us, and our rights and our obligations to you.
Except as expressly amended by this Mobile Deposit Agreement, all terms and
conditions of your Account Agreement apply to the Service and your Checks and
Check Images processed through the Service.

3.10.2.2. Checks And Check Images. All Checks and Check Images processed through
the Service are “checks” and “items” for purposes of the Account Agreement.

3.10.3. FUNDS AVAILABILITY

3.10.3.1. Funds from deposited Check Images will be available according to our
Funds Availability Disclosure included in the Booklet with your Account
Agreement.

3.10.3.2. For purposes of determining the availability of funds, Check Images
deposited through the Service will be considered “checks” and are considered
received by us upon the Bank’s successful receipt of the transmission of such
Check Images that are complete, usable, and adhere to the data specifications
provided to you by the Bank. If the Check Images are not complete, are not
usable, or do not adhere to such data specifications, the Bank may be unable to
process such items, in which case your deposit will be adjusted as appropriate.

3.10.4. USING THE MOBILE CHECK DEPOSIT SERVICE

3.10.4.1. Requirements. To use the Service, you must:.

 1. have at least one Qualifying Account;
 2. have a mobile device with an auto-focus camera;
 3. have the TIAA app downloaded onto your mobile device with the appropriate
    permissions granted;
 4. maintain a valid email address on file with us.

3.10.4.2. Designated Account(s). The Service can be used to send Check Images
for deposit to your Qualifying Account(s). All Checks transmitted by you to us
as Check Images under the terms of this Mobile Deposit Agreement shall be,
subject to finally collected funds and the Account Agreement, credited to your
Designated Account. If you have more than one Qualifying Account, you must
identify the Designated Account to be credited with your Check Images when you
transmit those Check Images to us, by selecting the account before capturing the
Check Images.

3.10.5. MOBILE CHECK DEPOSIT PROCESS

3.10.5.1. General. From your TIAA mobile app, select Actions and Deposit checks.
You agree that the manner (e.g., Substitute Check, image exchange, Automated
Clearing House) in which we clear or present Items for payment shall be
determined by us, in our sole discretion. We reserve the right to select the
clearing agents through which we clear Items. You agree to be bound by any
clearinghouse agreements, operating circulars and image exchange agreements to
which we are a party.

3.10.5.2. Daily And Item Limits. You may submit to us no more than a total of
$50,000 in Checks per day via this Service, and no single Check may be for more
than $50,000. If you exceed this limit, we may, in our sole discretion, either:

 1. accept the deposited Checks in excess of this limit, or
 2. refuse to accept the Checks that would cause you to exceed your limit or
    that are submitted to us when you have already exceeded the applicable
    limit. If you exceed your transaction limits, we may also terminate the
    Service without notice, except as such notice is required by law. If we do
    at any time accept a Check for deposit when the Check would cause you to
    exceed your limits or when you have already exceeded your limits, we will
    have no obligation to do so in the future. We may at any time in our
    discretion raise or lower your daily and individual limits without notice to
    you, except as is required by law.

3.10.5.3. Receipt Of Checks. You agree that your transmitting of Checks through
the Service does not constitute receipt by us. Generally, Check Images
transmitted via the Service before 7 p.m. (ET) on a Business Day will be
received by us on that day. Acknowledgment of receipt or delivery does not
constitute an acknowledgment by us that the transmission of a Check Image or
Images does not contain errors. You agree that we may at any time, in our sole
discretion, refuse to accept deposits of Checks from you via the Services. In
the event that the Services are interrupted or otherwise unavailable, you may,
at your option, deposit Checks using an alternative method such as in-person at
one of our Financial Centers, by courier service, via night drop, or postal mail
to: TIAA Bank, P.O. Box 11622, Newark, NJ 07101-9940.

3.10.6. YOUR OBLIGATIONS

3.10.6.1. You agree that you will use the Service to deposit only Checks drawn
on financial institutions with a valid United States ABA/Routing Number and
denominated in United States dollars. All other items must be deposited by
alternative means such as in person, via courier, using a night drop facility,
or by postal mail accompanied by a deposit slip issued by us. Furthermore, you
agree you will use the Service only to deposit Checks with us, as the term
“Check” is defined above.

3.10.6.2 When you transmit Check Images to us, you must at that time specify
which of your Qualifying Accounts (if you have more than one Qualifying Account)
will be the Designated Account for that deposit and will be credited with the
funds from the Check. We shall provide you with details of the specific
transactions, reported similarly as other transactions may be done, that were a
result of access to the Service. You shall be responsible for auditing and
balancing all of your Designated Accounts.

3.10.6.3. Before you capture an image of your Check, you agree to restrictively
endorse the Check as “For Mobile Deposit Only at TIAA Bank,” or as otherwise
instructed by us.

3.10.6.4. you’ve sent us the Check Image via the Service, and once we receive
your Check Image, we will send you an email to confirm our receipt of your Check
Image. You agree to stamp or otherwise mark the original Check “Processed,”
“Deposited,” or something similar immediately after you have sent to us each
Check via the Service such that the risk of subsequently re-submitting the same
Check or re-depositing the Check through some other means is reduced
accordingly.

3.10.6.5. When you receive our “Deposit Approved” email notification, you must
destroy the original Check using a method designed to ensure that the Check is
no longer readable. Use of a competent shredder is one such method.

3.10.6.6. You will retain all information relating to Check Images, including
without limitation computerized information, for no less than 14 days. In the
event of lost, mistaken, incomplete or unusable Check Images, or in the event of
claims of fraud, alteration, counterfeit or otherwise, you agree to cooperate
fully with us in providing information, including access to such records.

3.10.6.7. You shall not present, or attempt to present, or allow others, either
directly or indirectly, to present, or attempt to present, for deposit:

 1. any Substitute Check that has already been presented for deposit via the
    Service; or
 2. any Original Check if a Substitute Check for such Original Check has already
    been presented for deposit via the Service. In the event that you, or any
    third party, presents, or attempts to present, a deposit in violation of
    this subsection you agree to defend, indemnify, and hold us and our agents
    harmless from and against all liability, damage and loss arising out of any
    claims, suits, or demands brought by third parties with respect to any such
    Substitute Check or Original Check.

3.10.6.8. Except as limited by law, you are, and shall remain, solely and
exclusively responsible for any and all financial risks, including, without
limitation, insufficient funds, associated with accessing the Service.

3.10.6.9. Except as limited by law, you assume exclusive responsibility for the
consequences of any instructions you may give to us, for your failure to access
the Service properly in a manner prescribed by us, and for your failure to
supply accurate input information, including, without limitation, any
information contained in an application.

3.10.6.10. You are strictly responsible to establish and maintain the procedures
to safeguard against unauthorized transmissions. You agree to take appropriate
steps to maintain the confidentiality of the security procedures and any
passwords, codes, security devices and related instructions provided by us in
connection with this Mobile Deposit Agreement. If you believe or suspect that
any such information or instructions have been known or accessed by unauthorized
persons, you agree to notify us immediately, by calling the client solutions
team (contact information is listed at the end of the Booklet), followed by
written confirmation.

3.10.6.11. If a Check Image is sent to us using your User ID and Password, we
may deem it as having been sent by you and you shall be liable under this Mobile
Deposit Agreement and your Account Agreement for that Check Image even if you
did not authorize the sending of that Check Image. We undertake no obligation to
monitor transactions through the Service to determine that they are made on your
behalf. If a Check Image is sent to us by you, or was authorized by you to be
sent to us, you shall be liable under this Mobile Deposit Agreement and your
Account Agreement for that Check Image even if it was not sent using your User
ID and Password.

3.10.6.12. You will use the Service only for your own personal, family and
household use in accordance with the terms of this Mobile Deposit Agreement.
Without limiting the generality of the foregoing, you agree not to make the
Service available or allow use of the Service by or for the benefit of any third
party.

3.10.7. OUR OBLIGATIONS

3.10.7.1. You understand that Service availability is at all times conditioned
upon the corresponding operation and availability of those mobile Services and
systems used in communicating your instructions and requests to us and our
response. We shall not be liable or have any responsibility of any kind for any
loss or damage thereby incurred or suffered by you in the event of any failure
or interruption of such Service or any part thereof, resulting from the act or
omission of any third party, or from any other cause not reasonably within our
control.

3.10.7.2. We shall exercise due care in seeking both to preserve the
confidentiality of your User ID, Password, and Authentication Method and to
prevent the use of the Service by unauthorized persons (and in this connection
it is understood and agreed that implementation by us of our normal procedures
for maintaining the confidentiality of your information, and where practicable
the obtaining by us from any third parties engaged in the installation,
maintenance and operation of the system of similar undertakings, shall
constitute fulfillment of our obligation so to exercise due care) but we shall
not otherwise be under any liability or have any responsibility of any kind for
any loss incurred or damage suffered by you by reason or in consequence of any
unauthorized person gaining access to or otherwise making use of the Service.

3.10.8. YOUR REPRESENTATIONS AND WARRANTIES

3.10.8.1. You represent and warrant that with respect to each Check processed by
you hereunder and the corresponding Check Image:

 1. the Check was properly endorsed prior to capturing the image and
    transmitting it to us via the Service, including an appropriate restrictive
    endorsement as described above;
 2. you have not altered any Check or the Check Image;
 3. you have not and will not present, negotiate or transfer the Check Image or
    the Check to any other institution or person for payment, collection, or
    negotiation;
 4. the Check Image is a digitized image of the front and back of the Check and
    accurately represents all of the information on the front and back of the
    Check as of the time you converted the Check to a Check Image;
 5. the Check Image contains all endorsements of all parties transferring or
    presenting the Item;
 6. you have sent us only one Check Image for any single Check and will not send
    us any other Check Image for that same Check;
 7. you will not present any Check for collection or payment, or otherwise
    negotiate the Check, after the Check has been presented as a Check Image;
 8. you will destroy the original Check promptly upon receipt from us of an
    email notification of “Deposit Approved”; and
 9. no person except as authorized by you has had access to the Service or has
    transmitted or altered any Check or Check Image.

3.10.8.2. With respect to each Check and corresponding Check Image, you make to
us all transfer and presentment warranties made under applicable law and the
Account Agreement. You also represent and warrant to the Bank that all
electronic transmissions to us by or on behalf of you will be conducted free of
computer viruses or bugs.

3.10.8.3. Because you are performing the function of converting Original Checks
to Check Images which may become Substitute Checks, you understand and agree
that you are responsible, to the extent permitted by law, for all warranties and
indemnifications set forth in the Check Clearing for the 21st Century Act (as
may be amended from time to time, “Check 21”) applying to the Reconverting Bank
and Truncating Bank, as such terms are defined by Check 21. We and our service
providers may, but shall have no obligation to, screen items or Substitute
Checks for legal compliance.

3.10.9. FEES AND CHARGES

You agree to pay to us promptly all fees described in your Account Agreement. We
will charge to and debit from your Designated Account all fees associated with
the Service when due. If you have more than one Designated Account, we will
debit fees from any Designated Account.

3.10.10. TERMINATION

We reserve the right to terminate this Service or limit your use of the Service
at any time and for any reason, with or without cause and without prior notice.

Termination of this Service will not affect any obligations arising prior to
termination, such as the obligation to process any Checks and electronic items
(including returned electronic items) that were in the process of being
transmitted or collected prior to the termination date. Termination will not
affect your liability or obligations under this Mobile Deposit Agreement for
transactions that have been processed on your behalf. You will remain
responsible for all outstanding fees and charges incurred prior to the date of
termination. Termination will apply only to the Service and does not terminate
your other relationships with us.

3.10.11. LIMITATION OF LIABILITY

3.10.11.1. We will not be liable to you for any of the following:

 1. any damages, costs or other consequences caused by or related to our actions
    that are based on information or instructions that you provide to us;
 2. any unauthorized actions initiated or caused by you or your agents;
 3. the failure of third persons or vendors to perform satisfactorily, other
    than persons to whom we have delegated the performance of specific
    obligations provided in this Mobile Deposit Agreement;
 4. any refusal of a Payor Financial Institution to pay a Check Image for any
    reason (other than the breach of contract, gross negligence or willful
    misconduct by us), including without limitation that the Check or Substitute
    Check was allegedly unauthorized, was a counterfeit, had been altered, or
    had a forged signature;
 5. any other party’s lack of access to the Internet or inability to transmit or
    receive data; or
 6. failures or errors on the part of ISPs, telecommunications providers or any
    other party’s own internal systems; or
 7. any of the matters described in this section. In no event will we be liable
    for any indirect, consequential, punitive, or special damages. We will also
    be excused from failing to transmit or delay in transmitting an entry if
    such transmittal would result in it exceeding any limitation imposed on us
    by any governmental or regulatory body.

3.10.11.2. Notwithstanding the foregoing, our liability for errors or omissions
caused by us with respect to the data transmitted or printed by us will be
limited to correcting the errors or omissions. Correction will be limited to
reprinting and/or representing Check Images to the Payor Financial Institution.

3.10.11.3. Limitations. We shall have no liability to you for not processing a
Check Image if:

 1. we receive actual notice or have reason to believe that you have filed or
    commenced a petition or proceeding for relief under any bankruptcy or
    similar law;
 2. the ownership of funds involving a Check Image or the authority of a person
    to send us a Check Image;
 3. we suspect a breach of the security procedures;
 4. we suspect that your account has been used for illegal or fraudulent
    purposes; or
 5. we reasonably believe that a Check Image is fraudulent, forged, altered or
    prohibited by federal law or regulation, or as otherwise so provided in this
    Mobile Deposit Agreement.

3.10.12. COMPLETE AGREEMENT

The parties hereto agree that this Mobile Deposit Agreement and any
modifications made pursuant to it, as well as your Account Agreement provided by
us to you, constitute the complete and exclusive expression of the terms of this
Service, and supersede all other proposals, whether oral or written,
understandings, representations, conditions, warranties, covenants, and all
other communications between the parties relating to the subject matter of this
Mobile Deposit Agreement. The parties further agree that this Mobile Deposit
Agreement may not in any way be explained or supplemented by a prior or existing
course of dealings between the parties or by any prior performance between the
parties pursuant to this Mobile Deposit Agreement or otherwise.

3.10.13. YOUR SECURITY OBLIGATIONS

If we inform you that it is necessary for you to implement new or additional
security procedures, or alter your mobile software or systems for sending Check
Images, you agree that you shall do so with reasonable promptness. Your failure
to follow these instructions may result in our terminating your rights to use
the Services.

3.10.14. THIRD PARTY SERVICE(S)

You acknowledge that, in providing the Service hereunder, we may utilize and
rely upon certain third party service providers (“TPSPs”) to provide database
storage, database access, switching and other data communications services to
us. You further acknowledge and agree that your rights under this Mobile Deposit
Agreement shall be solely and exclusively against us, and you shall have no
right or recourse against any TPSP hereunder whatsoever, and hereby waive any
and all such rights or recourse, directly or indirectly, against any TPSP, the
State of Florida and the Federal Deposit Insurance Corporation.

3.10.15. CHANGE IN TERMS

We may at any time amend, modify, add or delete (collectively and individually a
“change”) the terms of this Mobile Deposit Agreement with or without notice
unless prohibited by applicable law. If advance notice of the change is not
required, and disclosure does not jeopardize the security of the account or our
electronic fund transfer system, you agree that we may notify you of the change
in terms by electronic mail, postal mail or by posting a notice on our website.
Further you agree that your continued use of the Service(s) constitutes your
agreement to the change. If you wish to decline to be bound by the change, you
must terminate the account or discontinue the Service to which the change
relates; otherwise you will be deemed to have accepted and agreed to the change.

TIAA Bank® is a division of TIAA, FSB.
©2022 and prior years TIAA, FSB. 22MCM0062.03 ~ 410.1 ~ 03/22


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TIAA Bank is a division of TIAA, FSB.
© 2022 and prior years TIAA, FSB.