Digital Banking Agreement

Formerly known as the “ONLINE BANKING AGREEMENT” August 2021 Digital Banking Agreement

Table of Contents

I GENERAL DESCRIPTION OF AGREEMENT A. WHAT THIS AGREEMENT COVERS ...... 4 B. ACCEPTING THE AGREEMENT ...... 4 C. DEFINITIONS ...... 4 D. RELATION TO OTHER AGREEMENTS ...... 5 E. LIMITATION OF SERVICE ...... 5 F. SERVICE FEES ...... 5

II DIGITAL BANKING SERVICES A. GETTING STARTED ...... 6 B. USING DIGITAL BANKING ...... 6 C. USING YOUR PASSWORD ...... 8 D. ACCOUNT ACCESS FOR LINKED ACCOUNTS ...... 8 E. SECURITY, LIMITATIONS, AND DOLLAR AMOUNTS FOR TRANSFERS ...... 9 F. SANTANDER ALERTS ...... 11 G. RECORD OF TRANSACTIONS ...... 12 H. STOP PAYMENT FEATURE ...... 12 I. GETTING STARTED WITH BILLPAY ...... 13 J. USING BILLPAY ...... 13 K. SCHEDULING A BILLPAY PAYMENT ...... 13 L. BILLPAY PAYMENT CALENDAR ...... 14 M. ELECTRONIC BILLS (E-BILLS) THROUGH BILLPAY ...... 14 N. BILLPAY PAYMENT METHODS ...... 15 O. ONLINE AND MOBILE BANKING GUARANTEE (For Consumer Accounts Only) ...... 16 P. ONLINE AND MOBILE BANKING LIMITATIONS ...... 16 Q. CANCELING PAYMENTS MADE THROUGH BILLPAY ...... 17 R. SANTANDER INVESTMENT SERVICES ACCOUNTS AND BALANCES IN DIGITAL BANKING ...... 17 III OTHER TERMS AND CONDITIONS A. SERVICE HOURS AND AVAILABILITY ...... 17 B. CANCELING YOUR ONLINE AND MOBILE BANKING SERVICES ...... 18 C. CLOSING PAYMENT ACCOUNTS ...... 18 D. BILLPAY ACCOUNT ACCURACY ...... 18 E. CHANGES TO AGREEMENT ...... 18 F. COMMUNICATIONS ...... 18 G. COMMUNICATING WITH YOU ...... 19 H. TRANSFERS FROM MONEY MARKET OR SAVINGS ACCOUNTS ...... 19 I. CONTACT BY SANTANDER OR AFFILIATED PARTIES ...... 19 J. DISCLOSURE OF ACCOUNT INFORMATION ...... 19 K. ACCOUNT STATEMENTS ...... 19 L. PRIVACY POLICY ...... 20 M. INDEMNITY ...... 20 N. GOVERNING LAW ...... 20 O. ADDING OR CHANGING ACCOUNT TO PAY SANTANDER CREDIT CARD ...... 20

IV ADDITIONAL PROVISIONS APPLICABLE ONLY TO CONSUMER ACCOUNTS A. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS ...... 21 B. LIABILITY FOR UNAUTHORIZED TRANSACTIONS ...... 21 C. OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSACTION ...... 22

V ADDITIONAL PROVISIONS APPLICABLE ONLY TO BUSINESS ACCOUNTS A. WHO MAY SIGN UP FOR AND USE THE ONLINE AND MOBILE BANKING SERVICES ...... 23 B. PROTECTING YOUR USER IDENTIFICATION AND PASSWORD ...... 24 C. WHAT PROVISIONS OF THIS AGREEMENT APPLY ...... 24 D. COMMUNICATIONS ...... 24

VI MOBILE CHECK DEPOSIT A. DESCRIPTION OF SERVICE ...... 24 B. ELIGIBILITY ...... 24 C. HARDWARE AND SOFTWARE REQUIREMENTS ...... 25 D. RESTRICTIONS ...... 25 E. LIMITS ...... 25 F. FUNDS AVAILABILITY ...... 25 G. COMMUNICATIONS ...... 26 H. FEES ...... 26 I. LIABILITY ...... 26 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 4 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal The purpose of this of is purpose Agreement to the inform you features,The about functions, and appropriate uses Digital of Banking, This Agreement between you (“You” customer Bank between has inThis to Agreement who theenrolled refer Santander and “your” You to use any Digital not for Banking agree purpose, other including commercial such purposes, as co-branding, A. WHAT COVERS A. AGREEMENT THIS the terms and conditions the Business of and the Business Agreement Banking Online Deposit Account Agreement. (OFAC). Information regarding which countries of under are sanctions Department the U.S. on may obtained be We may, time to from time, delete existing or introduce features new features in our to sole modify Digital or Banking you use DigitalWhen to Banking, you the agree terms and conditions this of We Agreement. may change the terms I C. DEFINITIONS C. Digital Banking) and Santander Bank, N.A. (also to herein as “Santander,” referred Digital N.A. Banking) Bank, and Santander “we,” “us,” and “our”) governs discretion. We you any of these changes of shall to features notify if we legally are using to required so. do By any new B. ACCEPTING THE AGREEMENT THE ACCEPTING B. account is primarily used business V. to for Section refer please also purposes, Business banking accounts subject are to as well as inform you your Eand Electronic under rights Regulation Fund Transfer Act, if applicable. If your deposit indicated, computer amobile or device. “linkeda personal Unless otherwise accounts,” “accounts or linked to after the effective after dateof any change, agree to you the change. You may not assign thisAgreement. customers to perform anumber digital of bankingcustomers functions to perform accounts on through linked the use of to the service court orders, fines, payments to loan sharks, gambling debts, or payments otherwise prohibitedlaw. by otherwise fines, payments to gamblingor loan payments debts, sharks, court orders, agree You bound rulesfeaturesbecome be available,by when they the agree to concerning modified you or features. these thisof including Agreement, any and features fees your of account, at any time. continuing By to use Digital Banking not to attempt to log on to Digital Banking from any country under sanctions by the Office of Foreign Assets Control under sanctionsAssets to any attemptnot toForeign on by Digital of from to country Banking the log Office pursuant made to to payments payments, use Digitalnot to Banking pay payees you obligated tax are for to whom framing linking, Digital without written of Banking consent. any our reselling or prior You portion agree further being restrictedbeing and the service” refers to all of your Santander Bank consumer Bank to your of all Santander accounts refers that you havethe service” linked to online mobile or banking. (“Digitalthe our use of digital Banking”). banking service consumer Santander banking Digital permits Banking the Treasury website. these countries of one Any attempt to on Digital may from to Banking log result in your access • • • • • GENERAL DESCRIPTION OFAGREEMENT “Automatic Payment” “Biller” “Due Date” “Due Day” “Business “Payment Account” youof schedule can each themonth first on apayment rent. payor to mortgage your your eligible checking accounts displayed be will automatically. or is the person or company or which is from youor receive electronic the within person bills BillPay. nor does it include does nor any grace period. need to designateneed achecking account the account payment to be at the time you schedule of All apayment. is the person or company or is up you Digital set to of in Banking receive the person abill page the “BillPay” payment is theon date Billeryourwhich on reflected statement payment the is due;late it date, not the is / is every day except is every Saturdays, Sundays, holidays. and federal or terminated.or is the Santander checking is account the Santander which debited. from abill You be will payment will is a payment scheduled for a set amount at regular intervals. 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08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 5 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal Your use of Digital Banking may also be affected by the other agreements between and you for Yourus yourdeposit other or between agreements otherby affected the be Digital use may of Banking also You Center seven days at 877-768-2265 aweek contact our Customer also can Service visit or abranch help for Agreement. YouAgreement. deposits, of limitations any for availability should fees, applicable reviewthe those agreements number on Agreement, or Product Guide and Fee Schedule for information and digital for Schedule Product Guide fees or Agreement, on and Fee services. We do not charge a service fee for the Digital use at for this of Banking fee We time. charge However, not do aservice through offered services some We have the right to revoke, access refuse to, terminate or Digital at any Banking time, without notice. causeor If we do, you understand thatyou any understand scheduled transactions made. You be not will the Digital use if denied of Banking you be will do Digital Banking, such as stopping time the acheck, right of payment may from We fees. incur additional reserve service disputeourof to employeeswhat byone thesays terms this of and looking the If is there Agreement. aconflictbetween directly to our website at www.santanderbank.com E. LIMITATIONE. SERVICE OF D. AGREEMENTS TO OTHER RELATION F. FEES SERVICE already havealready with us any for account linked to Digital Banking, including limited but not Deposit Account to the Personal agreement will control except as may be otherwise stated herein. stated control will In theagreement event except adispute of as may otherwise be arising in relating under any or way to this to under this or the Digital use provided of Agreement Banking you Agreement, to and we resolve agree this will be suspended if be will you exceed these limits. your to reset If User ID password, you or need follow the steps within provided conflict between of the terms this accountand Agreement your with conflictapplicable between agreements us, of accountthe terms your transactionsof you make, can restrictions and other that may impact your Digital use of To Banking. is the there extent a or utility charges utility or and/or incurred while fees using Internet access lines and/or telephone service Internet access services online available. banking may be To not throughonline banking, offered accesssign in features all and services resetting your login credentials. If you access Digital through Banking our mobile application, the features of all of failed login attempts and your access enternot the correct login is information. to Digital alimit Banking There three (3) of linked accounts. you use Digital by When Banking, you this governed are you as well as Agreement the agreements terms this of the Agreement, terms this of shall Agreement control. to connect Deposit Account with Digital our Please Personal our Banking. standard for see and charges. Schedule fees Fee we so. do you when You and notify will fees responsible be will paying for anyto company time telephone modify to or add platforms. Banking Digital the • • • • • “Scheduled Payment Date” Payment “Scheduled “Scheduled Payment” “Transfers outside Santander” “Unavailable Funds” “Alerts” You to have agree sufficient funds inyour account atthe you time aschedule transfer to occur.not are If there (email, SMS push text, or notification),selected. method sent be notificationsdelivery via and the these will Date falls on anon-Business on Date Day, falls Payment Date the the following Scheduled Business be will Day. savings, market money or savings accounts financial at other institutionsaccounts The Unitedin the States. sufficient funds inyour account,the missing fundsare considered unavailable. may be owned by you or someone else, and can be established the be “Transfers” on and can else, bymay you someone owned or be Digital of Banking. page are opt-in are notifications that you, as a customer,can establish. method delivery mustYou select your preferred are funds that funds are available in not your are account the time for you schedule atransfer to occur. is a payment that has been scheduled through the service but has not been processed. but has been is not that apayment scheduled through has the been service is the day you want your Biller to receive your bill If Payment payment. the Scheduled are transfers between your eligible deposit and checking, accounts transfers are between at Santander . Please refer to. Please this refer Deposit Account your Agreement, Personal 604302_DBA

Android Smartphones and Tablets Smartphones Android 6.1 OS higher. or Chrome 81Chrome and higher 81Chrome and higher Safari 13.0Safari and higher Initiation Services (IRIS).Initiation Services is the app iPhone aseparate for There 10IOS higher. or apply Interactive not and does to This Reporting Santander’s Agreement 18Edge (Windows and higher) Firefox and higher 77 / iPod and theiPod iPad. 604302_DBA

08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 7 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal The Client hereby acknowledges, and when required by applicable data protection regulation expressly by required protection data applicable Client and regulation when herebyacknowledges, consents,The (iii) its regulatory reporting to the supervisory authorities to the supervisory reporting (iii) regulatory its legal its obligations to the relating anti-money(ii) and counter laundering terrorism financing regulations and Some electronic communicationsSome may sent by email. be You that the acknowledge email address you to provide us you will be deemed to have the deemed disclosures received you be will even if, example, for to is us our by returned message an you’ll be able to use all the features and services that Digital hasyou’ll Banking able to to use the all offer. be features and services If you using are Financial Personal Management (PFM) to access, any or indirect other or track, service software as provider undeliverable. Internet service For first-time Digital Banking users, please download Santander® Mobile Banking App from first-timemobilefrom yourFor device’sApp BankingMobile Santander® please download BankingDigital users, download accountdownload information may to or pay the not features bills, listed your above available or may software be not at 877-768-2265, by or visiting abranch. If we communications deliver to you using the information we have file, on work in conjunction with Digital Banking. Banking. Digital with conjunction in work and then click the “Enroll” on successfully link to process. the After begin enrollment completing process, the enrollment app store. successfully Then, complete the self-enrollment process by on link tapping the “Enroll located now” Features or Services you can ONLY use withinour Mobile Banking App: online Center bankingsection,seven by clicking days a callingourweek by Management” theService “Profile Customer internal policies, including, but not limited to (i) Santander Group´s Santander internal policies, including, Financial limited but not to Crime(i) Compliance internal policies, is avalid email address and that you authorize us to communications send to that email. Furthermore, you agree related information,related if determinesto the Bank it comply by required advisable to or be or with law applicable please access andus click ourthe Mobileupdate. App Banking “Profile”section on notify to access can also You the disclosure companies, Group to data Santander with other along his/her any of relevant personal transactions- that you immediately will us provide with an updated email address, should it change. If you change your email address, the Mobile login Banking screen. If you would like to online, enroll visit santanderbank.com, click the “Login” on button, • • • • • • • • • • • • • Access Quick Balance, Transfers, Mobile Touch Check Deposit, and BillPay features using 3-D Integration. View your Santander Investment Services (SIS) Investment yourView Santander Services retirement and non-retirement account balances. View nicknames while and enjoyView paying Billers bills of calendar access to easily up set both View password requirements when setting when password requirements up changing or View apassword. View last login last dateView and time. Capture electronicCapture and back images certain checks, of and thedeposit front into of checks Select accountSelect statement preferences to paperless. Log in with justLog yourwith fingerprint with Touch available iPhone ID® or above.5s For iPhone X users, set up set Face Xusers, to iPhone securelyFor ID® in using log and continue your X, iPhone to navigate Locate and contact branches, and find Locate ATMsnear you. Enroll in online and mobile banking. Manage debit and credit cards, including activation, card lost Manage contact details recurring and recurring the App with anthe optimized App experience. the account you Please select. VI: details. review Mobile Section Check further Deposit for / or one-time payments. one-time or — edit, add, delete contact or information at any time. / stolen reporting, and replacement requests. stolen and replacement reporting, 604302_DBA

View Create and change your PIN your for debit and credit cards. Online Banking platform. This level does not allow transfer of funds between linked allow This transfer levelnot accounts. does between funds of platform. Banking Online Receive push notificationsAlerts. for PIN option. in usingLog a5-Digit Learn about new about Learn Financial Only Inquiry linked accounts, and access BillPay to schedule payments.

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Transfers outside Santander Transfers to customer another at Santander Transfers your accounts at Santander between Transfers to aline credit of to posted Payment your Date be will the Scheduled on loan as apayment. Transfers to an installment must loan in monthly the be amount your of regular posted and be will payment Transfers to aline credit of an installment or must loan in the be amount the due payment shown of on Transfers you schedule aBusiness on 10:00 Day to posted your before be will account p.m. as that of ET To (automatic) recurring or cancel afuture-dated transfer, you click can Transfers” the “Scheduled option within the You your checking, may transfer savings, market between funds and money savings accounts any for You to have agree sufficient fundsavailable inyour account atthe you time aschedule transfer to occur.not If do you Automatic transactions and future-dated to posted your be will account the Business on Day you selected. We reserve the right toWe impose unavailable attempt transfer excess or fees, funds further fees, will No fees. reserve activity your statement, coupon or Payment Date your Date and the Scheduled Due you select must before or on be If you selected aday that is aBusiness not Day, the transfer occur will Business the next on Day. Account statements Late, special,Late, principal-only or extra, using made be cannot online mobile payments or banking. If you make atransfer aBusiness on Day 10:00 after anon-Business on or p.m. Day, ET your transfer will by you or by email,If hear SMS from message we text not your do transaction automatically be will canceled. alwaysnot received is duringnot or predictable delayed and be mayspecific delivery transaction. message SMS text certain transactionsFor that in are review, may you an send email to Santander confirm SMS message or that text Business Day available to cover and be will charges to posted your account that day. dollar amount between $.01 amount and $999,999.99. between dollar and balances may not reflect transactions until the transactions have been officially posted to your account. your to posted officially been have transactions the until transactions reflect not may balances and clear your payments. purchases.card You may receive acommunication (SMS email) or text to confirm these transactions and us call at 877-906-7500 also can Business regular on a.m. Days p.m. to (not 8:00 8:00 from ET weekends holidays). or in to avoid order penalties and fees. late be made by made the bankbe to process the transfer instruction. In cases, all you responsible are rescheduling for the transfer. have sufficient funds inyour account onthe datethetransfer your transfer is request. perform scheduled, not we will be posted to posted yourbe account Business as the next of Day. Funds may available immediately be to cover ATM and high of messaging traffic.regional periods emergencies other or To authorize pendingcancel or a transaction, you to Transfer your the Scheduled on loan Date. 604302_DBA

Transfers accounts financial your at external personal from inbound to Santander institutionswill Transfers account your financial at an personal external from inbound to Santander institutioncan Transfers non-Business requested on Business Days take will next on the effect Day. cut-offThe timefor Santander outsideis Transfers 12:30Businesson ET Days.p.m. requested Transfers Transfers within processed be will three (3) outside Santander Business Days. Funds be will To make Transfers to achecking, outside Santander savings, market money or savings account Transfers you schedule aBusiness on 10:00 Day to posted your before be will account p.m. as that of ET You may transfer your checking from funds account to checking, savings, market and money savings accounts Future-dated transfers (automatic) and recurring transfers may up scheduled for to be If you make atransfer aBusiness on Day 10:00 after anon-Business on or p.m. Day, ET your transfer will Business Day available to cover and be will charges to posted your account that day. delivery of funds as funds of aresult the failure of financial another of delivery institutionact to in a timely manner. debited from your Santander account yourdebited the Santander Business from on Day you direct us to initiate processing the after the cut-offafter Businesson following the be processed willtime Day by p.m.4:00 the transferafter is initiated. as funds of aresult guarantee cannot of the timely Santander delivery financialat another account of institution,type which to funds selectthe to willneed the you will be transferred. It can be a personal account, apersonal transferred. abusiness It be can be will account, the routing or number of other Santander customers (subject Santander other of to the limits below). described one (1)one year in advance. clear your payments. purchases.card You may receive acommunication (SMS email) or text to confirm these transactions and of the financialof institutionsentfundsbe will the where (complemented by the specific account be processed within processed be three (3) Business Days. Funds your account debited external from be will on be made to your personal checking, to made your savings,be personal market money or savings accounts. You need will to posted yourbe account Business as the next of Day. Funds may available immediately be to cover ATM and number the recipient of account). the Business Day you direct us to initiate processing the transfer. guarantee cannot the timely Santander the routing number and account number the financial of institutiondebited.fundsbe will the where the failure financial another of institutionact to in a timely manner. credited be transfer to the recipient’s and typically will account in to three Business one Days 604302_DBA

08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 11 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal One The The OTP service is AT&T, available through the following carriers: service OTP The Verizon Wireless, Sprint, T-Mobile®, Mobile, Boost To to 31565 unsubscribe “STOP” text to the service, at any “STOP,” time. you text After to you receive agree one You can set up the Santander Alerts Service to receive opt-in Alerts via your email Alerts address, your file on cell to receive phone opt-in You Service Alerts up set can the Santander You Once you have in number to acell our in enrolled provide to in enroll phone order service. the OTP need will Appalachian Wireless,Appalachian Revol, Illinois Valley, United Wireless, Cellular, Inland West Central Cellular, ECIT, Immix, Alerts allows you to receive important notifications triggered allows notifications by you totriggered specific account receive important Alerts activities. canYou to choose Cricket, Virgin Mobile USA, MetroPCS, U.S. Cellular®, U.S. Ntelos,Cricket, South, Cincinnati Cellular MetroPCS, Centennial, Virgin Bell, Mobile USA, Bluegrass, contain messages text to number the cell These you you message provided. receive will phone atext service, OTP One-Time Passcode (OTP)One-Time Passcode you or a third party as the result an Alert. of you athird or party For questions about your OTP service, please call the Customer Service Center seven days at aweek 877-768-2265. the please Customer questions call For Service your about service, OTP NexTech, Union Wireless, US, and Cellcom. Simmerty Wireless USA, Pioneer Pocket USA, Com By providing your cell phone number when you enroll in the OTP service, you agree to receive autodialed service calls calls to you receive agree autodialed providing service yourinBy you enroll number service, the cell when OTP phone business-to-person support messaging, not text do Please that support prepaid but mobile note do plans some Message and data rates and data mayMessage apply. fees. applicable on details for agreement Please check your mobile service F. SANTANDER ALERTS additional confirming message text your choice. help,to For “HELP” text 31565. delivery order message SMS text and/or to that messages text number, acting vendors us and third such from potential party as alerts or OTP fraud a unique, that passcode one-time code you must enter in to complete specific order some transaction.Once enteryou or other periods of high of messaging traffic. periods other or haveor number with that ouron behalf.account associated the of Also, you confirm holder thataccount are you the is not always predictable and text message notifications may be delayed or not received received isduring alwaysregionalnot emergenciesor not notifications delayed be may message and predictable text it may take days delivery. for up You to two that agree liable we any not are for failure delays, to deliver, or misdirected delivery of any Alert; for any errors in the content any any any of for for or Alert; an errors actions Alert; of misdirected taken taken not or by delivery receive account Alert, of (deposits the type on and credit) Depending and/or Alerts Alerts. related security-related received the consentreceived the account of to provide holder their cell phone number. person-to-person text messaging. Please contact your provider for details about your messaging. about text Please plan. contact your details for provider person-to-person that through that accept can acell push or alerts messages, receive phone can our text Mobile notifications. App Banking the OTP correctly, your transaction will be confirmed. be will correctly, transaction OTP your the • • The ability to view your ability individualThe transaction limits found in the be can transfer in screen online and or cut-offThe timefor Inbound Santander is Transfers to ET. a.m 1:00 requested the after Transfers cut-off We reserve the right to modify limits and/or the right toWe modify qualifications reserve at any time,our on sole discretion.based mobile banking. mobile time will be processed on the following on Business processed time be will Day. -Time by Passcode requiring (OTP) you provides alevel to authorize security of certain transactions. service

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08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 12 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal “Scheduled Transfers”“Scheduled in Digital Banking. The Alerts Service gives you the option to receivemessagingvia notifications account yourabout text Service status and Alerts The To unsubscribe from Alerts Service texts, text “STOP” to 77541To “STOP” text texts, at any “STOP,” time. you text unsubscribe After Service Alerts from you may receive Text message order delivery is not always predictable and text message notifications may be delayed or not received received Text is alwaysnot or not notifications delayed be may message and predictable text delivery order message You us to order can stop any on payment checking check your account you Santander from write through Alerts service for opt-in for Once you have alerts. registered service number acell throughAlerts security phone or the Alerts Alerts AT&T, Verizon Wireless, Sprint, T-Mobile®, Cellular®, Mobile, U.S. Boost Cricket, MetroPCS, Virgin Mobile USA, Text (SMS) Alerts The Text Alerts Service is available through the following carriers: carriers: following the through isavailable TextThe Service Alerts G. RECORDG. OF TRANSACTIONS subject stop stop feature with payment to used fee. The payment our respect may to regular be any not Digital You Banking. stop acheck cannot on payment if we have become accepted, certified,paid, otherwise or Details regarding transfers your available are in and future-dated one-time the “TransferDetails or History” By selecting a cell phone number to receive Alerts via text message, you certify that authorized you the or are selecting owner message, via you numbertext certify acellBy to receive phone Alerts text business-to-person support person-to-person messaging not support text but do do prepaid mobile plans some in online mobile or banking, to with number the cell you you message provided receive will phone atext service seven days at aweek 877-768-2265. Center questionsFor messaging, via text regarding the please Customer call Alerts receiving Service Ntelos, South, Cincinnati Cellular Centennial, Bell, Wireless, Bluegrass, Appalachian Revol, Illinois Valley, Message and data rates and data mayMessage apply. Please that your note about plan. details for provider your Contact service H. STOP PAYMENT STOP H. FEATURE USA, Simmerty US, UnionWireless, US, and Cellcom. Simmerty USA, United Wireless, Cellular, Inland West Central Cellular, ECIT, Nex-Tech, Immix, Wireless Pioneer Pocket USA, Com accountable the check, for except to the by required extent law. You must allow us areasonable time to user of the cell phone number and agree to receive autodialed text message Alerts to the enrolled number. to the enrolled to number theuser receive Alerts cell and of agree autodialed phone message text an that OTP you must enter online in or your mobile device in to confirm order enrollment. the during regional emergencies or other periods of high of during messaging traffic. regional periods emergencies other or a confirmation text message verifying receipt of youropt-out a confirmationmessage verifying sent text to emailthe request. Alerts address that you certain transactions. You must and enable message the number text acell to provide Alerts receive phone text initiate your stop Your request. payment stop request payment remain will for in six effect (6)months and is for other provisions other for governing stop orders. payment transfer or payment scheduled through Deposit Account Digital our Please Personal Banking. see Agreement messaging. Please contact your provider for details about your plan. yourmessaging. about Please plan. contact your details for provider provided will be unaffected be will if decide provided you opt-outto 77541. help,to For “HELP” Alerts. text message receiving of text 604302_DBA

Online or Mobile Banking. Mobile or Online One- Send us secure online through mailSend and questions messages regarding the service Have address. avalid and provide U.S. at leastBe 18 age. of years Provide an active email account regularly. used Have through added to at least be your can Biller added Biller List. one Billers All Have checking at least account. Santander one Have access to computer Digital either Banking through amobile or device. apersonal Recurring (automatic) Payments. Use the Electronic (e-bills) Bills to: service Make checking Automatic or one-time your account Santander from Payments to a personal computer.a personal companies individuals, or which to we as refer Billers. ■ ■

time transactions up (1) to one year (365 in days) advance. Note View Biller statements and detailed information through a personal computer. information and detailed Biller through statements View apersonal Receive notifications directly emailaccount to personal your a billwhen has been received. has been – One year isOne days 366 in aleap year. 604302_DBA

The receipt of the electronic version of your first e-bill may vary from Biller Billerfrom to and takemay receipt the electronic of e-billThe your version of first up to mayvary Timely of e-bills. delivery Accuracy and dispute of an e-bill. Approval of e-bills. We are not responsible for the non-delivery of e of We responsible not are the non-delivery for five five (5)Business activationDays act of to electronic yourrequestthe Upon e-bills. upon receive to bill Santander to accessSantander the website Biller’s your on and retrieve behalf your account information. you will be requested to provide personal information that will be forwarded to the Biller. information that forwarded requested to be will personal provide you be will If you have sixty (60)sixty days. Biller enrollment information. and personal of e-bills. Non-Delivery Notifications. the website the Biller. of from cases, we theIn some e-bill obtain To so, do we may ask information you for do not receive an e-bill, not do it is your responsibility to contact the Biller directly. If you have questions questions regarding the contents your of e-bill, you should contact the Biller directly. a current email address as displayed the “My on & Preferences” Profile page. e-bills and havee-bills discretion sole in accepting declining or your Participating request. require typically Billers concerns this the use Biller’s of about information, you should contact the Biller directly. regarding the contents your of e-bill, you should contact the Biller directly. If resulting e-bill. you payments alate an e-bill, late of for from or responsible delivery late for feature, Digital Banking may notify the yourfeature, Biller of request to receive electronic Digital may Banking billing notify information. for ensuringfor timely the Biller directly. must requested from e-bills previous Copies of be bills. all of payment to retrieve the e-bill, suchneeded providing as password. arequired this By information, you authorizing are a. b.

“You’ve got Bills.” got “You’ve Email reminder e-bill, thatnot of an contain any simplybutdoes delivery of notifies you the Electronic Bill via email that notifies you of the delivery of an e-bill and provides a summary of e-billof Electronican provides a and summary Bill via email thatdelivery of notifies you the summary information options. payment or Yousummary receive will an email with the subject message line: the button, you must sign in to BillPay the bill (typically Date, Due amount due, balance, etc.), you as click well as button. the “Pay” After There are two (2) e-bill two are of notifications: There types Participating establish Billers their own criteria to reviewing requests send for We responsible not are if to You an e-bill. deliver the Biller fails responsible are We aBiller not and anare e-bill of from have control no over the delivery We If an responsible e-bill. of you have not are the accuracy for When you establish When with aparticipating e-bills Biller, -Bill notifications. It is yourresponsibility to maintain 604302_DBA

We will notify you in advance of such introductory opportunities. Santander does not have not does access opportunities. you Santander in to suchWe of advance introductory notify will We will notify your you cancelWe Biller It an when e-bill. is your responsibility to sole make notify will arrangements you have the following options: following the have you Introductory e-bill opportunity. Discontinue the Service. e-bills detailed bill information.detailed If at any time to participate you not choose in e-bill this opportunity, introductory and does not store detailed billing store detailed not informationand does contained in Only the e-bill. you have will access to the for an alternate form of bill an alternate of for delivery. form through BillPay up for to three months in to introduce order you to the convenience online of bill payment. a. c. b.

If you wish to receive the e-bills after the introductory period, please follow period, If you wish the introductory to after receive the e-bills To future e-bill trial from please removed email enrollments, be You discontinue can e-bill aspecific by logging BankingintoOnline and choosing Customer Please Care. make sure to include the email address that you use for online bankingfor messaging in your to response us. the instructions the “e-bills” on Banking. Online of page to edit “Cancel it. Select the e-bill trial,” confirm cancelation,your e-bill and the willtrial end. You at any time by may choosing service cancel the the e-bills You that and agree selected Payees understand may to you e-bills provide 604302_DBA

The limits in II-E transfers described are Section for thisThe of Agreement. You to have agree sufficient fundsavailable inyour accountforthe date ortransfer any payment Any payments or transfers you or wishAny payments to pay through Digital must Banking to recipient other aBiller or be BillPay payments can be made in any amount between $.01 in made BillPay any be can payments amount and $99,999.99. between Participation by Billers. attempts we make to process your transaction, assessed an youinsufficient be will or unavailable additional accepting information before We payments. to with them encourage work will these Billers is scheduled. have If you not do sufficient funds inyour account, we to refuse may complete have sufficient funds, available responsible are you for making an alternatearrangement. payment tofunds complete the transaction. If we unable are to complete you not atransaction do because each fee funds time we attempt to sufficient process atransaction not are there when available to whom payments may be made using the service. You may using made payments be to whom the service. use shouldDigital to Banking not make: in recipients other the or the right Unitedlocated to We States. restrict Billers of categories reserve the transaction we or may attempt to process time. the asecond payment Regardless how many to accept an electronic check the or bank. from payment THESE TYPES OF PAYMENTS OF TYPES THESE d. your own risk. In event no liable we will any be for claims damages or resulting you scheduling from a. e. c. If you to choose use Digital to Banking make such these payments, must scheduled payments at be THE DIGITAL BANKING GUARANTEE DOES NOT APPLY DOES DIGITAL THE OF payments. of TO GUARANTEE ANY BANKING these types b.

Timeshare payments. amounts. loan-payoff of Satisfaction transactions. securities settle to Payments Court-ordered payments. Tax Payments. Occasionally aBiller may to participate not choose in BillPay may or require : When you use Digital with: When Banking Santander, your is money protected .

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Your to participate not opts in carrier networking. annuity You annuitize your investment to and begin take payments. regular You decideswitch to moveor your to firm broker/dealers. another annuity You decide and take to the surrender annuity the proceeds. NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY GOVERNMENT FEDERAL ANY BY INSURED NOT INVESTMENTS AND ARE: INSURANCE PRODUCTS NOT BANK GUARANTEED dealer, and aRegistered and SIPC FINRA Member NOT A BANK DEPOSIT NOT ABANK MAY LOSE VALUE 604302_DBA

08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 18 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal This cancelation applies to your online and mobile banking services only terminate not appliesThis to accounts. cancelation your and does your online and mobile Santander banking services There may that stillThere payments or pending have payments, be yet cleared not your account; it is your responsibility Your Digital use of Banking, including the any effective after dateof additional newthe or willchange service, Your remain inuntil effect Digitalthey services are Banking terminated by or you by us. You maycancel yourservice You that agree we may send, by electronic communication, any information sent to to required you in be writing We responsible not are incurred any accurate for provide if fees or processing you not payment do Biller errors We may change the terms this of at any Agreement time. you the changes of We as by required law. notify will Changes can be made either within “Profile Management” section or by contacting the Customer Service Center.section eitheror made Changesby within be can contacting Management” Service “Profile the Customer C. CLOSING PAYMENT CLOSING C. ACCOUNTS you acknowledge acceptanceyou these acknowledge notifications, of regardless other of marketing preferences you may have Digital Banking services for any for reason, includingDigital services Banking inactivity, you in at any advance, time. to notify We try will Prior to notifying us that you wish to to notifying discontinuePrior we strongly the services, suggest that you: Furthermore, it is your responsibility to accurate provide and updated Biller account and Biller information. numbers It is your responsibility to sole ensuresection that the informationin the in “CustomerManagement” Service” “Profile If you close your of all checking to cancel any accounts, need and the BillPay pending payments you also service. It is your responsibility to cancel move or any Automatic Payment associated with aPayment Account you close. E. CHANGES TO AGREEMENT CHANGES E. ACCURACY ACCOUNT BILLPAY D. YOURB. CANCELING ONLINE AND MOBILE BANKING SERVICES F. COMMUNICATIONS at any time by notifying us your of at any intent time by to Center cancel notifying in at 877-768 writing, by or calling the Customer Service under Regulation Eand the Electronicunder Regulation Fund Transfer Act. Electronic mail (email) of is asecure method not account or personal information,account have not do or personal sufficient or the payment. funds satisfy to numberaddress, phone a message usinga message the secure BillPay Center. Message If you elect alerts, or to receive reminders, e-bills, constitute your acceptance to the change. and agreement of We may terminate your participation in the communication confidential that and we send recommend you not do information by email, unless send us you indicated at Santander. at indicated but we are not obligatedbut we to so. not are do payments and to makepayments arrangements. payment other tab (calledtab “Profile” Mobile)in BankingDigitalof is accurate. current and This includes,but limitednot is to, name, to maintain your account to clear the payments for enough long to or issue the stop outstanding on payments 3. 2. 1.

Cancel anyCancel electronic and wait bills until you have received anyCancel automatic scheduled transfers. anyCancel Payments. Scheduled your first paper statement from the Biller. from the your paper statement first (s), and email address. 604302_DBA -2265.

Where we have a third party provide services on our on behalf. we services provide haveWhere athird party transactions. verify and errors transaction investigate or transactions complete to necessary is it Where On receipt of certification from a federal agency or department department thator request a for information is in agency compliancefederal receipt a certificationfrom On of In to comply order government administrative or or with summonses, court orders subpoenas, agency In accordance with your written permission. such as acredit bureau, merchant, Biller. or the existence and standingIn to your verify of order account with the Right Act 1978. to of Financial Privacy orders, examinations,orders, and escheat reports. - (s) with the us athird request of upon party, related or account- or related specific emails. . 604302_DBA

If you reside we don’t in where aState have abranch, your account assigned be will to Delaware. your AccountIf you opened means, online by or remote other and you reside in aState your AccountIf you opened at abranch, the Account. assigned it be will you opened to the where State law, by Federal superseded your not Account the where State of When the law is located. Federal Law,Federal and where we havewhere branch at offices that time, the Account be assignedwill toState. that . 604302_DBA

ADDITIONAL PROVISIONS APPLICABLEONLY TO CONSUMER ACCOUNTS The dollar amount the suspected of error. dollar The Your name and account number. A description of the error or the transaction or A description the error you of unsure are as about, clearly explaining as you can why you believe it is an error or why you need more information.why you more believe it why is or you need an error (s), us the loss, of us the if loss of your of you take password. If action you no notify to notify 421OL3, 450 Penn Street, Reading, PA 19602, as you can. We as soon must hear (s), including in the available balance your overdraft line credit of -768 -2265, us write or at Santander, Attention: 421-OL3, 450 Penn Street, Reading, PA 19602. 604302_DBA

The transaction limitations wouldThe exceed the the use on service. of security failure by was caused afire The catastrophe),other some (or or electricalan computerfailure, failure is duringThe due to your aloss power Internet of session or connectivity provided, you were not when failure isThe due to an equipment breakdown, the transaction. you which started when about you knew transaction youThe requested would exceed the in funds your account plus any available overdraft credit. in funds yourThe account subject are to legal process. unavailable. are account your in funds The accountThe closed. has been insufficient are There funds inyour account tocomplete thetransaction fault of no ours. through Your have suspended. privileges been lost stolen, or your reported or password has service been You have given us not complete information followed our properly how procedures or on to complete You attempt to complete that atransaction is apermissible using not transaction. the service Also, if your monthly statement shows transactions that you did make not contact us and you not within do We have to reason believe the transaction requested is unauthorized. If a good reason, suchIf agood hospital as stay, atrip an extended or kept telling you us, from the we above extend will If you NOT do tell us (2) within two Business your of Days you the password, loss learn of after theft or If you contact us (2) within two Business Days the loss of the loss, your of or more discovery you no lose can sixty (60)sixty days the statement after was mailed (or electronically submitted) to you, you may back get any not a transaction. a and we prove can using we could from have your password without someone your stopped permission if you or another cause beyond our causebeyond control. another or did record,or not your transaction confirmation number. had told us, you could as lose much as $500.00. money lost after the sixty (60) lost the sixty money after days if we prove can that you’re contacting us would have prevented the losses. time periods. than $50.00 illegally if someone gained access to your and used password without your permission. / OR THE INSTALLATION OR MAINTENANCE THEREOF, INSTALLATION THE OR MAINTENANCE OR ACCESS TO USE OR

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08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 23 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal THE INTERNET, OR THE SYSTEM, FAILURE OR UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET INTERNET ACCESS, WITH PROBLEMS INTERNET OF FAILURE UNAVAILABILITY INTERNET, OR THE SYSTEM, THE OR TO YOU IS IMPLIED DISCLAIMERS. IN THESE INCLUDED LICENSE NO CONTENT) IN AND ACCESSIBLE OR SITES. THE FROM INFORMATION, PRODUCTS, THIRD-PARTY REPRESENTATIONS, BY LAW, ALL CONDITIONS PERMITTED DISCLAIM WE WARRANTIES,AND EXTENT TO FULLEST THE TIMELY, OTHERWISE STATED SECURE, AGREEMENT. ERROR-FREE OR UNLESS APPLICABLE IN OR ANY SITE THE ON THAT DIGITAL ONLINE SERVICE THE OUR OR UNINTERRUPTED, BE WILL PLATFORMS THAT WARRANTY NO MAKE WE THAT YOUR ONLINE SERVICE USE THE OF IS AT RISK THAT AND YOUR SOLE DIGITAL INFORMATION, ALL AND BANKING AVAILABLE” BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO TO YOU. AT CHANGE YOU WITHOUT TIME ACKNOWLEDGE SUBJECT ANY ARE AND AVAILABLE” BASIS, V A. WHO MAY SIGN UP FOR AND USE THE ONLINE AND MOBILE BANKING SERVICES BANKING MOBILE AND ONLINE THE MAY WHO USE AND FOR UP A. SIGN WE WILL ALSO NOT BE RESPONSIBLE FOR ANY TRANSFER OF FUNDS THE PRIMARY PURPOSE OF WHICH OF IS THE PURPOSE PRIMARY THE FUNDS OF TRANSFER ANY FOR NOTRESPONSIBLE BE ALSO WILL WE OR THE COMMODITY FUTURES TRADING COMMISSION. TRADING FUTURES COMMODITY THE OR NON-INFRINGEMENT AND PROPRIETARY OF TITLE PURPOSE, APARTICULAR FOR FITNESS AND MERCHANTABILITY OF IMPLIED, (EXPRESS, KIND STATUTORY, ANY OF OTHERWISE, OR TO NOT LIMITED WARRANTIES THE INCLUDING BUT DATA FACILITIES,OR WITH PROBLEMS YOU OTHER FACILITIES, EXPERIENCE PROBLEMS ANY OR TRANSMISSION CONTENT) INCLUDED PROVIDED “AS ARE CONTENT) AN IN ON ACCESSIBLE OR SITES, IS” THE FROM “WHERE-IS” “WHERE AND SERVICE PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR COMMUNICATIONS NETWORKS INTERMEDIATE DELAYS WITH OR SERVICE PROBLEMS PROVIDERS, COMPUTER COMMUNICATIONS OR NETWORKS SOFTWARE, PRODUCTS, AND OTHER CONTENT (INCLUDING THIRD-PARTY INFORMATION, PRODUCTS AND INFORMATION, PRODUCTS OTHER AND CONTENT (INCLUDING THIRD-PARTY PRODUCTS, SOFTWARE, your payment, you should, in instances, all include the business name in the “Payment Note” area. Also, note Digital with Banking BillPay is established under the the name authorized of signer. logging in When to the service, Digital may Banking only by requested and used the authorized be the signers business. of Authorized signers PURCHASE OR SALE OF SECURITIES OR COMMODITIES REGULATED BY THE SECURITIES AND EXCHANGE COMMISSION EXCHANGE AND COMMODITIES REGULATED OR SECURITIES BY THE SECURITIES OF SALE OR PURCHASE OTHER AND CONTENT (INCLUDING INFORMATION, TO ONLINE SERVICE THE ALL AND PRODUCTS AS RIGHTS) AGREEMENT, OTHERWISE EXPRESSLY APPLICABLE PROVIDED AS IN ANY EXCEPT YOU UNDERSTAND AGREE AND CONTROL. OUR BEYOND TODUE CAUSES an authorized signer. the physical on are signature card. Each authorized signer may only access those accounts which on she or is he have appointed the to those individualsare who business of act behalf on been names and signatures and whose ask these to transfers. If us your permit we not see account is abusiness account, we prohibit may transfers also payments scheduled through the BillPay service will bear the the name bear will signer. of scheduled throughpayments the BillPay service To avoid posting issues with the user will see histhe user own see will name her in or the “Welcome” areas, the the name business. of not Additionally, to personal accounts. to personal that any authorized signer may transfer your account from funds account to his unless personal her or you ADDITIONAL PROVISIONS APPLICABLEONLY TO BUSINESSACCOUNTS

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08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 24 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal The Mobile Check Deposit service is only you Mobile when available within Check Mobile DepositApplication service Banking The our Santander You responsible be liable not will or that to agree you in Santander further any way if information is intercepted You that agree we may notices send communications and other to the current address shown in our records. You to: agree 1) keep your User ID and password secure and strictly confidential; 2) of anyimmediatelyus change notify Additionally, only accepted drawn be will abank through checks on in and payable the U.S. in currency U.S. VI A. DESCRIPTION OF DESCRIPTION SERVICE A. We we checks accept of through may Mobile Check change limit Deposit or the types to your deposit ability We do not charge a service fee for the Digital use for of However, Banking. fee We throughBanking,Digital charge not do offered aservice services some Check Deposit and/or close your account at our discretion any if the terms this of you of violate or Agreement C. WHAT APPLY AGREEMENT C. THIS OF PROVISIONS your User ID you password that have or possible occursof before us notified unauthorized and use we have had Restrictions in Dbelow, forth Section set checks, you business may deposit and cashier’s personal checks checks. Deposit (CD) accounts any or account in your Individual Retirement Account. We may terminate your Mobile use of authorized to makesomeone deposits to the account the owner. of behalf on made Mobile be Check can Deposits In to you must use order this the account an on owner be service, into which you depositing are the check or If you abusiness are customer, and the subsection IV Section of all titled “Disclosure Account of Information” such as stopping our Business acheck, on payment may See Deposit Account fees. incur Schedule additional Fee service Mobile Check You Deposit. deposit cannot any check drawn the account on into which the check is deposited. being D. COMMUNICATIONS IDENTIFICATION PASSWORD AND YOUR USER PROTECTING B. B. ELIGIBILITY unauthorized person. The bank have will unauthorized The to liability any you no for unauthorized person. transfer or payment using made a reasonable opportunity to act that on notice.a reasonable opportunity We may suspend cancel or your Digital use without of Banking notice a new User ID password if or you believe your User ID password may or by to used have or an known become certain types of checks, at any of time, reasons. notice without prior tocertain types you if security for required if you deposit checks repeatedly are using to us unpaid. returned our Mobile Subject Check Deposit service to the install it certain devices on (including limited but not to smartphones and tablets) to capture electronic images of in status, authority, or any of authorized signer with record on and 3) the bank; immediately us and select notify in apply III Section not Jdo to you. by an unauthorized either in transit person, business. of at your or place from you if wefrom suspect you’re User ID password is or in used being an unauthorized fraudulent manner. or for other fees and charges. fees other for the front and and back to certain checks then of the deposit front into those checks the accounts you select. to personal checking and savingsto accounts, personal including market money savings accounts,of to Certificate but not MOBILE CHECKDEPOSIT 604302_DBA

08/2021 owners. respective their of property the are trademarks other All Incorporated. International Mastercard of trademark countries. aregistered is other or Mastercard States United the in subsidiaries its or S.A. Santander, Banco of trademarks are Select Santander and Right Simply Logo, Flame the Bank, Santander Santander, Digital Banking Agreement 25 / 26 Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2021 Santander Bank, N.A. All rights reserved. reserved. rights All N.A. Bank, ©2021 Santander S.A. Santander, Banco of subsidiary owned awholly and FDIC aMember is N.A. Bank, Santander Lender. Housing Equal The checks you deposit checks usingThe Mobile considered Check Deposit not are by received us until we have sent you To utilize You you in must this our enrolled Digital service. Banking be service, our Mobile download must also Availability Policy in our Personal Deposit Account in our Personal Agreement. Policy Availability We limits may the amount, on place number, you deposit checks of using Mobile Check You Deposit. type or be will When using Mobile Check Deposit: Check Mobile using When C. HARDWAREC. REQUIREMENTS AND SOFTWARE standards. You responsible are your and operating device, costs all for using of including our Mobile Deposit Service App.Banking Your device must have to capture images the sufficient ability of order to in complete deposit, a quality Day we are open. Checks depositedDay using Checks we open. are Mobile available in Check Deposit be accordance will with the Funds E. LIMITS E. D. RESTRICTIONS F. FUNDS AVAILABILITY any cellular and internet service charges. any cellular and internet service the right to to reject deposit any our if check the image meet theand we check of not reserve you try does a message confirminga message that we have received yourdeposit. If receiveacceptwe and depositbefore a ET, p.m.10:00 we consider that day the day to be your of deposit. If adeposit is our cut-off after received on a or timeday we may accept reject or the Mobile Check Deposit at our discretion. If we accept adeposit that exceeds the established not occur reasons. Ifnot you attempt if the to limits security make for imposed are these limits, of adeposit in violation saidof limits when Mobile you screen use on Depositthe notified Checkfeature, except noticethatadvance may that is aBusiness not Day, such as aweekend, on we consider will Business the deposit as the made next of to be limits, it is still subject to this Agreement. • • • • • • • • • You the check must with your endorse signature the check. of Mobile and “For the Deposit reverse on Only” You may only deposit original payable checks to you or, if the account into which the check is deposited being You will cooperate with us during any investigation of transactions, including disputed or unusual items, items, unusual or disputed including transactions, of investigation any during us with You cooperate will You only will submit items that contain machine-readable the MICR check. of at the data bottom You deposit any not will check that had unpaid. previously returned been You deposit duplicate not will check or checks copies (fees may apply, details). review your schedule more for fee You must store the original check and take in location asafe steps to ensure that unauthorized no person You keep will the original check aminimum for (14) fourteen of days submitting after the images deposit for and Under no circumstances no Under you to are permitted negotiate acheck you have deposited using Mobile Check Deposit and if necessary, request any you upon provide will copies or originals items of in your possession and any a second timea second with us (whether through Mobile Check Deposit, at abranch, at an or ATM) you are permitted nor when the you check destroy will when needed, is longer the original no check in asecure manner, such as shredding it. can accesscan the original check. has more thanhas owner, more one the account, of the owners of all or payable to anyone to but not some else. records relating to checks you to submittedrecords checks relating deposit. for to check negotiate the same with any third party, including bank. another 604302_DBA

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