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Terms & Conditions

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AVISPay, what is it?:

1. A borderless bank system based on new technology.
2. A limitless easy international new banking system with the intention to be indepdent of the today exiting banking world.
3. A new system for international cash transfers by using servers and card schemes.
4. A overall business management technology based on artificial intelligence.
5. A Conglomerate of several subsidiary banks connected by the AVISPay core banking server

Read and scroll to the bottom of the page to accept the Digital Services User Agreement & Electronic Communication Disclosures.

Digital Services User Agreement & Electronic Communication Disclosures (e-Sign Consent Agreement)
This user agreement (\"Agreement\") is provided by AVIS Bank, (“AVIS”) to govern the use of AVIS Digital Services which include, without limitation, Online Banking, Mobile, and Bill Payment services. Digital Services provided by AVIS are additionally governed by any other separate agreement(s) you may have with AVIS or any of its affiliates or subsidiaries, including, but not limited to, Rules and Regulations, Terms and Conditions, loan agreements, and amendments or changes made to this Agreement. For certain services offered as a part of AVIS’s Digital Services, you may be required to agree to additional terms and conditions.

Please note, by declining the terms and conditions set forth in this Agreement you will lose access to all Digital Services. For all accounts in your name that are setup to only view documents online, declining will reset those preferences and account documents will be mailed. Please call 1-800-972-3030 for more information.

Electronic Communication Disclosures – e-Sign Consent Agreement
Consent to electronic disclosures. To access a AVIS Bank account online or through a mobile app, you must review and consent to these Electronic Communication Disclosures
(“Disclosures”). By consenting to these Disclosures, you understand and agree that all notices, disclosures, or other communications which AVIS may be required to provide you arising from our obligations under applicable law, your account agreement, this Agreement, or the Digital Services User Agreement, may be:

• Sent to you electronically, to any electronic mailbox we have for you, or, at our option, another electronic mail address you provide to us;

• Posted or made available online or through a mobile app; or
• Provided in any other electronic manner permitted by law.

Scope of electronic documents. These documents include, but are not limited to, account agreements, disclosures, periodic statement information, tax documents, privacy policies, notices, and changes to your account.

With respect to brokerage accounts, we may deliver related inserts, trade confirmation, or other documentation, electronically. Related inserts may include, but are not limited to, marketing documentation and documentation required to be provided to you pursuant to regulatory rules.

Requesting a paper copy. If you would like a paper copy of any such information, please open the electronic version of the document and follow the appropriate links to print the document. Or, you may contact a Customer Service Professional online via our \"Contact Us\" link or call us +44 2392 16 2001. We may charge a fee of up to $5 per document for the production and delivery of documents in paper form. Please refer to your account agreement for additional information.

Withdraw of consent or change of preferences. You can withdraw your consent to receive information electronically or change your document delivery preferences, unless otherwise prohibited under the terms and conditions of a specific account agreement.

To withdraw or change your document delivery preferences, you can:
• Login to Online Banking or the mobile app
• Call +44 2392 16 2001
• Stop in any AVIS Banking Center

Sending of electronic alert notices. By consenting to the receipt of these Disclosures, you also consent to receiving an electronic alert notice, for example, via email or text message when a document is available for viewing. In some circumstances, we may automatically send you these electronic alert notices and in other instances we may not. We may also allow you the opportunity to opt out of the sending of some notices. For accounts with joint or multiple owners, each account owner is able to provide an email address for receipt of electronic documents. Only one account owner’s consent is required to receive electronic documents.

If we send an electronic document or notice and the email is invalid, we will treat this as a withdrawal of your consent to receive electronic communications. We will begin sending a paper document within a reasonable period of time (generally within 45 days) until you provide a valid email address. You can update your email address or cell phone number in the Settings portion of online or mobile banking, by calling Customer Service at +44 2392 16 2001, or by visiting a branch.

Hardware and software requirements. In order to access, view, and retain electronic communications from us, you must have the necessary software and hardware equipment, including:

• Microsoft® Internet Explorer, Mozilla® Firefox, Google Chrome, or Safari web browsers. Online Banking is designed for optimal use on the most current web browser version and the version prior. Our Online Banking, brokerage services, and online applications all require browser versions that support SSL (Secure Sockets Layer Encryption Technology), frames, and JavaScript;
• For mobile app access, the most current or two previous versions of Apple iOS or Android OS;
• An up-to-date device (e.g., computer, smartphone, tablet, etc.) suitable for connecting to the Internet or for downloading our mobile applications or accessing our mobile website;
• Local, electronic storage capacity to retain and/or print electronic documents;
• Software that allows you to view files in a portable document format (PDF).

Variant settings or device types may affect presentation. The use of alternative browsers or \"beta\" versions may have unpredictable results.

Acceptance and Consent

By consenting to this Disclosure, you agree to the following statements:

I have read and understand and agree to be bound by the terms and conditions described above and consent to receive electronic documents according to the process described above. I understand that I may incur costs, including, but not limited to, data charges from my internet and/or mobile service provider, in accessing such documents.

I understand and agree that: (i) some documents may still continue to be delivered to me via
U.S. mail (ii) documents will continue to be delivered to me via U.S. mail until such time that AVIS makes the documents available electronically in accordance with this Disclosure; (iii) my consent to view documents electronically is not limited in duration and does not automatically expire; (iv) the entity or entities with which I have my account(s) and/or their agents may revoke my participation in Digital Services, including electronic document delivery, at any time at their discretion; and (v) AVIS, its affiliates, subsidiaries, agents, or assigns will not be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the product or services provided pursuant to this Disclosure.

Digital Services User Agreement
By using AVIS Online Banking, Mobile Banking, and Bill Payment, you agree to be bound by the terms and conditions contained in this Agreement.

The following definitions apply to the terms contained in this Agreement:

\"Business Day\" is defined as Monday through Friday excluding the Federal Holidays or as otherwise posted in the Banking Centers.

\"You\" and \"Your\" shall mean the person, persons or entities in whose name the account is carried on the books of AVIS Bank and shall include the masculine, feminine, and neutral genders and the plural as well as the singular wherever the context so permits.

\"Us\" \"Our\" and \"We\" shall mean AVIS Bank, and all of its affiliates and subsidiaries.

\"Payee\" shall mean the person, business or other entity to whom your payment will be made. You must provide sufficient information about each Payee to properly direct a Payment to that Payee and permit the Payee to identify the correct account. This information may include, but is not limited to, the name and address of the Payee and your Payee Account Number.

\"Website\" shall mean www.avisbank.com or www.avisbank.online or www.avis.capital or www.avis.center or avis.today or www.avis.fund or www.avis.business or www.whitewest.org or www.noage.institution

Digital Services Help
The AVIS Online Banking and Bill Payment Help document details how to operate the AVIS Online Banking and Bill Payment system. It is available at https://www.avisbank.online and may also be accessed during your Online Banking session by clicking the Help button. The AVIS Mobile Banking Help document details how to operate the mobile app. It is available at www.avispay.mobi. As a part of this Agreement, you agree to become familiar with the information contained in these documents prior to using the applicable service. All information contained in the documents and any updates to them are part of this Agreement.

Services
AVIS Digital Services allows AVIS Bank customers to access information for and initiate transactions from their AVIS Bank accounts via desktop computer, mobile device, tablet, or other permitted electronic means.

Some services may not be available for certain accounts or customers. We may modify or cancel any such services or a method of accessing them at any time without notice at our discretion, except as may be required by law.

By directing AVIS Bank to transfer funds or initiate a payment, you authorize AVIS Bank to withdraw from the designated account the amount of funds required to complete the assigned transaction. You regard requests for new account services, instructions to change existing account information or services, and other communication received via Digital Services as legal endorsements. As such, all correspondence initiated via Digital Services shall command the legal authority of a written request authorized by your signature.

Some transfers and payments made within Digital Services may be made via a check drawn off of your account. You authorize AVIS or any of its service providers to create such a check to the payee and in the amount you specify using Digital Services. You further authorize AVIS to honor any items bearing your account number if you have authorized payment or disclosed that account number to any service provider, whether or not you have signed the item.

Fees for Services
Some of the Digital Services may have fees associated with them that are not included in the AVIS Bank Deposit Account Rules and Regulations or Pricing and Services associated with your account. Information regarding these fees will be included within the applicable service. Please review the fees prior to engaging in a transaction.

Third Party Providers
Some of the services within AVIS Digital Services may be provided by a third party. The third party may contact you directly in certain circumstances, such as providing you alerts for changes to your accounts or services you have requested, or for collection purposes.

You authorize your 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 details, if available, to AVIS Bank and service providers for the duration of the business relationship, solely for identity verification and fraud avoidance. See our Privacy Policy for how we treat your data.

Accessing Digital Services via a Mobile Device
AVIS Digital Services may be accessed by a mobile device or tablet by using a AVIS Bank mobile app downloaded to your device or by entering www.avisbank.com into the browser on your mobile device. For information on the mobile services provided, please visit www.avispay.mobi
Not all of the Digital Services may be available when using a mobile device. Mobile carrier message and data rates may apply. Contact your mobile service provider for details regarding charges applicable to your plan with your provider.

We may limit the types and the number of accounts displayed within our Digital Services. Digital Services via mobile device may not be supportable for all device models or for all carriers at all times. AVIS Bank cannot guarantee the availability of underlying data services provided by your mobile carrier (i.e., we are not responsible for carrier data outages or \"out of range\" issues).

Email and Mobile Alert Notices
AVIS offers alert services that provide you information about your AVIS Bank accounts. You can sign up for a variety of alerts that can be received through email or a mobile device. Text (SMS) alerts are subject to the Alerts Terms and Conditions you must accept when registering for this service.

There may be some alert notices that are automatically provided to you and others that are not. There also may be some alert notices for which you can opt out. There are specific alerts for particular services within Digital Services which cannot be turned off, such as important security notifications. By using the related services, you consent to receive applicable alerts. To see the applicable security notifications, please visit the Alerts section within Online Banking or our mobile app.

AVIS Mobile Deposit & Mobile Deposit with Immediate Funds
If you use Mobile Deposit or Mobile Deposit with Immediate Funds (“Mobile Deposit”), the following terms apply to you:

1. Features and Services. AVIS Mobile Deposit allows you to deposit money into certain accounts with your mobile device camera using the AVIS mobile app. To use Mobile Deposit, you must be a AVIS account holder and have agreed to the Digital Services User Agreement. You must also sign or endorse the back of all checks deposited through Mobile Deposit. Checks must also have an authorized signature on the front of the item by the maker of the check.
2. Types of Checks. You can only deposit U.S. checks and money orders using Mobile Deposit. Types of checks you cannot deposit are (“Prohibited Items”):
a. Checks payable to any person or entity other than those recognized in the titling of the account.
b. Checks containing any alteration of which you know or believe to be fraudulent or are not authorized by the owner of the account on which the check is drawn.

c. Any checks that are not in original form with a signature, such as substitute checks or remotely created checks.
d. Checks written off an account at a financial institution located outside the United States.
e. Checks written to yourself.
f. Checks made out to cash or exchange for cash.
g. Checks dated greater than 60 days prior to date of deposit.
h. Checks which have been previously deposited and returned.
i. Checks which have been previously deposited and paid.

Please note that any check that you attempt to deposit using Mobile Deposit is subject to verification by AVIS. We may reject an item for deposit for any reason and will not be liable to you. In such a case, you will need to deposit the item using other means, such as visiting a AVIS Banking Center.

You will be liable for depositing any Prohibited Items, and you agree to defend, indemnify, and hold AVIS harmless from all claims, demands, liabilities, judgments, losses,
damages, actions, causes of action, expenses, and costs (including attorneys’ fees) that Fifth
Third may incur in any way related to the deposit of Prohibited Items to your account.

3. Receipt. We are not responsible for items that we do not receive. Processing and/or transmission errors can occur after we acknowledge receipt that may impact transaction completion.
4. General Information on AVIS Mobile Deposit with Immediate Funds.

AVIS Mobile Deposit with Immediate Funds (\"Immediate Funds\") is a service that AVIS may provide to its checking, savings, or Express Banking account holders.

o Immediate Funds allows you to immediately access the full amount of the mobile deposit.
o A service fee may apply for Immediate Funds. We may not charge for checks under a certain dollar amount. AVIS does not charge a service fee for using the standard Mobile Deposit process.
o The fee, if any, is based on the amount of the check.
o You have the option to accept this fee before proceeding with each transaction.
o Please see the Mobile Banking FAQs for more information on the current fees and additional details on Immediate Funds.
o By using Immediate Funds, you agree to receive all communications related to this service electronically.

5. Cut off Times and Information on Availability of Funds for Deposits. A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our banking centers or at www.avisbank.com

Please note the manner in which you make your deposit and cut-off times can impact funds availability. Please refer to the Deposit Account Rules and Regulations and other documents governing your account for information on funds availability and circumstances where delays may impact the availability of your deposits.
Once deposits are available, you can withdraw the funds in cash, and we will use the funds to pay transactions you have initiated. Funds deposited on a non-Business Day will follow the next Business Day cutoff.
6. Destruction of Original Check. Once you have deposited the check successfully, you should store the check in a secure location for 14 days. After 14 days, and after you have confirmed the deposited funds have been applied to your account correctly, you must destroy the check. Shredding it is one way to destroy it. Destroying the check prevents it from being presented for deposit another time. You will be liable for checks that are presented more than once.
7. Image Quality. The image of an item transmitted to AVIS must be legible and encompasse the full check.
8. Changes/Removal of Service. We may, in our sole discretion, modify, add, or remove portions of the service or end the service at any time without notice. We may turn off the service to you if we suspect fraud, if you misuse Mobile Deposit, have excessive overdrafts or returned items, or for other reasons in our sole discretion.
9. Limitations. When using Mobile Deposit, you may experience difficulties that are outside the control of AVIS or there may be times when Mobile Deposit is not available. We are not responsible for any difficulties or any damages that you may incur as a result of these difficulties or unavailability.
10. Compatible Hardware and Software. In order to use Mobile Deposit, you must use, at your expense, compatible hardware and software. We are not responsible for any third party software you may need to use Mobile Deposit. We may change requirements at any time without prior notice. You may need to upgrade the Mobile App to use Mobile Deposit.
11. Deposit Limits. We may establish limits on the number of checks or the total amount of checks deposited using Mobile Deposit. These limits may change from time to time without notice to you.
12. Errors. You must notify us of any errors (or suspected errors) related to the items deposited through Mobile Deposit as soon as possible after they occur, and in no event later than 30 days after the related AVIS account statement is made available. You can contact us by calling +356 350 5500 or by visiting a banking center. Unless you notify us within 30 days, the account statement containing the deposits made through the Services is deemed correct, and you cannot bring a claim against us for any alleged errors.

Additional Provisions Regarding Mobile Banking
It is your responsibility to provide AVIS true, accurate, current, and complete information about yourself and your device and to update your telephone number and email address if and when it changes in order to ensure proper delivery of applicable Digital Services.

AVIS recommends that you lock your device using a PIN code or password when you are not using it to secure any information on your device. We also recommend that you do not store your password on your mobile device.

If you lose your mobile device, you should contact your carrier immediately. If you receive AVIS mobile banking alerts, you should disable the alerts being sent to your mobile device. You agree to take every precaution to ensure the safety, security, and integrity of your Account and transactions when using Digital Services via a mobile device. You agree not to leave your device unattended while logged on Digital Services via a mobile device and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you do, we will not be liable for any damage resulting to you.

You agree to comply with all applicable laws, rules, and regulations in connection with using a mobile device to access Digital Services. We make no representation that any content or use of Digital Services is available for use in locations outside of the United States. Accessing Digital Services from locations outside of the United States is at your own risk, and you are responsible for compliance with local laws.

Bill Payment
You may use the Bill Payment Service to direct AVIS to make payments from your account to payees in the United States that you choose. AVIS may refuse or cancel any payee or any payment at any time for any reason. It is your responsibility to manage your Payee List and maintain accurate Payee information. Occasionally a Payee may choose not to participate in the Bill Payment service, or may require additional information before accepting payments. AVIS Bank will work with these Payees to encourage them to accept an electronic or check payment from the bank. If AVIS Bank is unsuccessful, or if AVIS Bank determines that the Payee cannot process payments in a timely manner, AVIS Bank may decline future payments to this Payee.

SETTING UP PAYMENTS

Payments may be set up as one-time payments or recurring payments. It is your responsibility to cancel, skip, reschedule, or revise a scheduled payment as necessary.

Within the Mobile and Online Banking Bill Payment section, we use the term \"Deliver By\". This is the date that you want the payment to be delivered to a Payee. If the date falls on a non- business day, it shall be delivered the preceding Business Day. You must determine the Deliver By date based upon the Payee-provided due date, any applicable grace period, late payment policy or late fee, and/or your knowledge of actual time required for the payee to receive and process the payment. You must schedule the Deliver By date far enough in advance to allow the service to process and send the payment to the payee in advance of their Due Date. This may be up to five business days prior to the payee Due Date. The system will provide you the earliest Deliver By date for a particular payment.

You must schedule payments prior to that day’s cut-off time for bill payments. The current cut- off time is provided within the Bill Payment interface.

You should not use Bill Payment services to make tax payments, court ordered payments, or payments to settle securities transactions. If you do, you may lose some of the protections afforded to you in this Agreement, including late payment reimbursement. AVIS Bank reserves the right in its sole discretion to restrict categories of payees to whom payments may be made using the service.

Some bill payments are made via check and some are made via electronic transaction (ACH). AVIS Bank cannot control when a check will be presented to a payee and it is possible for a check to be presented before the due date. It is your responsibility to ensure you have funds available in your account sufficient to pay all requested bill payments, no matter the method of payment. If you do not, you may incur fees such as overdraft fees or returned item fees.

In the event that your account has insufficient funds to pay a bill payment, you may be blocked from using the Bill Payment service for a period of time.

FUNDING RISK

AVIS reserves the right to take reasonable actions that are necessary to reduce unfunded payments from your account, including but not limited to refusing to process additional Bill Payment Service requests from you and/or reducing your transaction limit or daily limit for Bill Pay Services, if AVIS determines in its sole discretion that you present an unacceptable risk.

EDITING OR CANCELING PAYMENTS

Details on how to edit or cancel payments are included within the information about the Bill Payment service. Any Payment can be modified or canceled, provided you access the Service prior to the Bill Payment cut-off time on the Business Day Payment is going to be processed. A Payment cannot be canceled through the Service once it is marked as \"Paid\" or \"In Process\". It is possible to request a stop payment for any Payment marked as In Process by contacting

Customer Service. A Recurring Payment may be edited or canceled after processing for the current Payment instance is complete.

STOP PAYMENT

You may request a stop payment for any Payment marked as \"In Process\" by contacting Customer Service. The ability to successfully stop payment depends on how the funds were remitted to the payee and the elapsed time since the payment was processed. You may be charged a stop payment fee for each request.

SERVICE GUARANTEE ON ELECTRONIC BILL PAYMENTS

AVIS will bear responsibility for any late payment related charges up to two hundred and fifty dollars ($250.00) should a payment post after the Deliver By date because AVIS did not send a payment as scheduled or because AVIS sent incorrect payment information, provided that the payment was scheduled and the payee information was maintained in accordance with the guidelines described herein.

You are responsible for any late payment charges that are: caused by a delay in U.S. Mail delivery, delay by payee, incorrect entry into the Bill Payment System, incorrect scheduling number of days before due date, incorrect scheduling, or incorrect information supplied by you.

If AVIS Bank reasonably suspects fraud of any type relating either directly or indirectly to your account or a payment, the Bank may take action, which may include, without limitation, delaying the payment for a reasonable period of time in order to conduct an investigation or to allow law enforcement to conduct an investigation. If AVIS Bank determines that the payment is not fraudulent, then it will follow its Service Guarantee on Electronic Bill Payments. If AVIS Bank determines that the payment is fraudulent, the Bank may refuse or cancel such payment. The Bank is not liable for and will not reimburse any late fees incurred by you in connection with a fraudulent payment. The Bank shall not be liable for its actions pursuant to this Section. This Paragraph does not imply that the Bank has an obligation to monitor Accounts or transactions.

COLLECTION

In the event that a Payee is paid pursuant to your request and you have insufficient funds in your account, collection efforts may be initiated by the party with the loss, either AVIS or its service provider. Collection may include recalling the payment to the payee which could impact your credit negatively.

You further expressly authorize us, and our service providers, affiliates, agents, or assigns (including but not limited to Complete Payment Recovery Services, Inc.) to contact you, via auto-dialer, pre-recorded messages, or any other method, on any of your mobile phone numbers or emails.

Customer Service
You may contact AVIS Bank by calling a Customer Service Professional +44 2392 16 2001 or customer@avisbank.com

Customer Service Professionals may provide assistance only within the guidelines set forth by AVIS Bank and as required by law. Customer Service Professionals are not authorized to negotiate any of the terms of this Agreement.

The same encryption process used to secure your account information secures messages sent via AVIS Online Banking and Bill Payment. The Customer Care feature provided by AVIS Online Banking and Bill Payment may be used to transmit confidential account information to AVIS Bank.

AVIS Bank is responsible for making reasonable efforts to fulfill only those account requests actually received via AVIS Online Banking and Bill Payment. AVIS Bank may not be held accountable for any loss resulting from the delay or failure to transmit a message via AVIS Online Banking and Bill Payment arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Privacy Policy
You consent to receive and access electronically AVIS Bank’s Privacy Policy unless you notify us that you want a written copy. You may notify us by contacting Customer Service at +44 2392 16 2001 or customer@avisbank.com
. The Privacy Policy is available electronically via the \"Privacy and Security\" links at the bottom of each page within www.avisbank.com

Electronic Funds Transfer Errors
(This section applies to personal accounts only.)

In case of errors or questions about your electronic transfers, contact AVIS Bank at

+44 2392 16 2001 or customer@avisbank.com or write to us as soon as you can at Customer Service Department 90 Long Acre, Covent Garden, London, WC2E9RZ, United Kingdom.

AVIS Bank must hear from you within sixty (60) calendar days after the FIRST statement on which the problem appeared was sent to you. Please tell us your name and account number, describe the error or the transfer about which you are unsure and explain why you believe

there is an error, and tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within ten (10) business days.

We will determine whether an error occurred within ten (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 forty-five (45) calendar days to investigate your complaint or questions. If we decide to do so, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

If AVIS Bank asks you to state your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. If we decide that there was no error, AVIS Bank will send you a written explanation within three (3) business days after we finish the investigation. You may ask for copies of the documents that were used in the investigation.

Customer Liability for Unauthorized Transfers
(This section applies to personal accounts only.)

Tell us AT ONCE if you believe your card or password has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your savings or credit account if you have a checking account with the

Overdraft Protection feature. If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your Card without permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or password, and we can prove that we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make or which were not authorized by you, tell us at once. If you do not tell us within sixty (60) calendar days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period for a reasonable time.

Limitations on Frequency of Transfers
We reserve the right to impose limitations for security purposes at any time.

Limitations on Dollar Amounts of Transfers
We reserve the right to impose limitations for security purposes at any time.

Fees
We reserve the right to impose a fee and to change fees upon notice to you.

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

(i) Where it is necessary for completing transfers, or

(ii) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or

(iii) In order to comply with government agency or court orders, or

(iv) If you give us your written permission.

Right to Receive Documentation
Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using an electronic terminal, which includes a computer, automated teller machines, and point-of-sale terminals.

Periodic statements. Monthly account statements are provided for checking accounts. In addition, monthly account statements will be provided on savings accounts when there has been an electronic fund transfer during the statement period.

AVIS Bank’s Liability for Failure to Make Transfers or Bill Payments
You will be responsible for any payment or transfer request you make that contains an error or is a duplicate of another. AVIS Bank and any service providers are not responsible for a payment or transfer that is not made if you did not properly follow the applicable instructions.

You must promptly notify AVIS after you learn that you have not received credit from a payee for a payment or transfer.

If AVIS Bank does not complete a transfer to or from your account on time or in the correct amount according to the account agreement with you (including, but not limited to, all rules and regulations governing your account), we will be liable for all losses not to exceed the amount of the transfer. Notwithstanding the foregoing, in the case of Bill Payments, we will only be responsible for late fees in the amount set forth in the Bill Payment section above. In any case, AVIS Bank will not be liable for, including but not limited to, the following:

1. If, through no fault of AVIS Bank’s, you do not have enough money in your account
to complete the transfer; or
2. If the transfer would exceed your credit limit on your line of credit account; or
3. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that have been taken; or
4. If the funds in the account are subject to legal process or other encumbrance restricting such transfer; or
5. If AVIS’s system(s) applicable to Digital Services were not working properly due to the failure of electronic or mechanical equipment or communications lines, telephone or other interconnect problems, normal maintenance, unauthorized access, theft, operator errors, severe weather, earthquakes, floods and strikes or other labor problems; or
6. If there are delays by the international postal service or electronic remittance networks; or
7. If the recipient or payee has processing issues
8. If the account has been held or frozen due to legal order or other reason; or
9. If there is an allegation of fraudulent activity concerning the account; or
10. If other rules, regulations or agreements of AVIS Bank so provide; or
11. If transaction instructions are not actually received by AVIS Bank, AVIS Bank may not be held accountable for any loss resulting from the delay or failure to transmit instructions arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

AVIS Bank Cardless ATM Service
You can request to scan a one-time code to use at AVIS Bank ATM’s without having your physical card. Once you request to scan a one-time code, in order to perform a transaction, we will display a generated code on the ATM screen for a single use.

Scanning a one-time code allows you to make the same type of transactions that you can make using your ATM or debit card. Frequency and dollar limitations apply to AVIS Bank Cardless ATM transactions. Also, ATM withdrawal amounts are subject to your account balance and the current ATM daily dollar withdrawal limits for your card.

To use the AVIS Bank Cardless ATM service, you must have an eligible account. Cardless ATM transactions can only be made at AVIS Bank ATMs. AVIS Bank does not currently charge a fee for the Cardless ATM service. However, your mobile data rates may apply.

YOU AGREE TO NOT SHARE YOUR MOBILE APP LOGIN AND/OR ATM PIN WITH ANYONE AND TO KEEP THEM SECURE. IF YOU DO NOT KEEP YOUR INFORMATION SECURE, YOU COULD PUT
YOUR ACCOUNT AT RISK AND LOSE MONEY. Contact us at once if you believe a Cardless ATM transaction has been made without your permission.

AVIS Bank may terminate or suspend your ability to use the Cardless ATM service at any time.

General Disclaimer
The information on the Website and Mobile App is for information purposes only. It is believed to be reliable, but AVIS does not warrant its completeness, timeliness, or accuracy. In addition, certain portions or pages of the Website are subject to additional terms and conditions, disclosure and disclaimers.

All DIGITAL SERVICES ARE PROVIDED TO YOU ON AN \"AS-IS\" AND \"AS-AVAILABLE\" BASIS. WE DO NOT MAKE ANY WARRANTIES OR REPRESENTATIONS THAT YOU WILL HAVE CONTINUOUS OR UNINTERRUPTED ACCESS TO ANY SERVICES OR ITS CONTENT OR FUNCTIONS, OR THAT SUCH FUNCTIONS WILL BE ERROR-FREE, INCLUDING, WITHOUT LIMITATION, EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON- INFRINGEMENT OF THIRD-PARTY RIGHTS AND TITLE, AND ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. THESE DISCLAIMERS APPLY TO ANY PRODUCT, SERVICE, ADVERTISEMENT OR OTHER INFORMATION CONTAINED HEREIN. THIS INCLUDES ANY CONTENT CONTAINED, DISTRIBUTED, LINKED OR DOWNLOADED FROM THE SITE. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY FAILURE OR NON-PERFORMANCE OF A SERVICE, INCLUDING WITHOUT LIMITATION, THE MOBILE APP, (INCLUDING ANY SOFTWARE OR THEIR MATERIALS SUPPLIED IN CONNECTION WITH MOBILE BANKING) SHALL BE FOR US TO USE COMMERCIALLY REASONABLE EFFORTS TO PERFORM AN ADJUSTMENT TO YOUR ACCOUNT, AS DETERMINED APPROPRIATE IN OUR DISCRETION OR REPAIR OF THE MOBILE BANKING SERVICE.
Some jurisdictions do not allow the exclusion of certain warranties, so the above exclusions may not apply to you. You may also have other legal rights, which vary by state. ANY

EXCEPTIONS TO THIS GENERAL DISCLAIMER WOULD BE OUTLINED WITHIN ANY APPLICABLE SERVICE AGREEMENT WILL BE WITHIN THE SOLE DISCRETION OF AVIS BANK TO CORRECT ANY ERRORS OR TO OMIT ANY PORTION OF THE SERVICES, PRODUCTS OR MATERIALS CONTAINED HEREIN.

AVIS BANK OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND AVIS BANK DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. AVIS BANK RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THE WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THE WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY AVIS BANK TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW. AVIS BANK AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION.

FURTHERMORE, AVIS BANK AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE
USER’S FILES AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM, ANY LOSS OR DAMAGES INCURRED BY YOU BY THE TRANSMISSION OF YOUR PASSWORD, PIN, ACCESS DEVICE INFORMATION OR CODES OR OTHER PERSONAL INFORMATION BY YOU OR ANYONE BESIDES AVIS BANK, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO
CAUSES BEYOND AVIS BANK AND ITS AFFILIATES’ CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR
REDUCING AVIS BANK’S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. UNDER NO CIRCUMSTANCES WILL AVIS BANK BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER AVIS BANK HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

For additional information and terms and applicable to your accounts, please review the current version of the Deposit Account Rules and Regulations and other applicable agreements.

Copyright Information
All logos, service marks, trade names, and trademarks contained within this site are the sole property of AVIS Global Group. It is prohibited for anyone to use such trademarks without the written consent of AVIS Global Group. This site may also contain such logos and trademarks of some third party, in which case it is also prohibited to use these marks without consent. The content contained in this site is protected by copyright law. It is prohibited for users to display, distribute, publish, sell, transmit, license, create derivative works, or to use any content that is contained within AVIS Bank’s and Group Web sites for any purpose whatsoever. Any unauthorized use of this information may be punishable by law.

If you are not an authorized Online Banking user or if you do not consent to continued monitoring of activity on the system, please exit the system now.

Security
• You agree and consent to participate in Digital Service security features such as registering and answering security questions or changing your password, as requested by AVIS Bank.
• You agree that (i) you will not engage in any activities related to the Website and/or Mobile App that are contrary to applicable law, regulation or the terms of any agreements you may have with AVIS Bank, and (ii) in circumstances where locations of the Website and/or Mobile App require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.
• When selecting a password to access your AVIS Bank accounts, please do not use nicknames or birthdates that may be easy to guess. Use a combination of letters and numbers, change your password periodically, never share your password with anyone and always log off the site and/or app when you are finished.
• Links to non-AVIS Bank websites are provided solely as pointers to information on topics that may be useful to the websites, and AVIS Bank has no control over the content on such non-AVIS Bank websites. If you choose to link to a website not controlled by AVIS Bank, AVIS Bank makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does AVIS Bank warrant that such rights of third parties or that such site or content is devoid of viruses or other contamination, AVIS Bank does not guarantee the authenticity of documents on the Internet. Links to non-AVIS Bank websites do not necessarily imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

Potential Disruption of Service
The Website and/or the Mobile App may from time to time be unavailable, delayed, limited or slowed due to hardware or software failure, limited system capacities, damage caused by severe weather, fire, or other reasons out the control of AVIS Bank.

Changes to Agreement
We may change these Terms and Conditions at any time. For example, we may add, delete, or amend terms or services. We will notify you of such changes by mail or electronically. If you initiate a transaction through Digital Services after the effective date of a change, you indicate your agreement to the change.

Updated Jannuary 2021

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