Risk and Compliance Disclosure

1. Risk Disclosure

Using Zelle® involves certain risks, including but not limited to:

• Fraud Risk: Payments are typically not reversible. If you send money to someone you don't know or trust, you may not be able to recover your funds.
• Timing Risk: Money sent through Zelle® is typically available to the recipient within minutes. This speed means you should verify all information before sending.
• Recipient Identification Risk: Zelle® uses email addresses and mobile phone numbers to identify recipients. Ensure you have the correct information before sending money.
• Technical Risk: Electronic services may be subject to interruptions, delays, or failures beyond our control.

2. Compliance Information

Zelle® and our financial institution partners comply with various regulations, including:

• Anti-Money Laundering (AML) Compliance: We maintain programs designed to prevent money laundering and terrorist financing.
• Know Your Customer (KYC) Requirements: We verify the identity of users in accordance with applicable laws.
• Electronic Fund Transfer Act (EFTA): Your rights regarding electronic transfers are protected under federal law.
• Consumer Financial Protection Bureau (CFPB) Regulations: We adhere to consumer protection standards established by the CFPB.

3. Transaction Monitoring

We monitor transactions for suspicious activity and may temporarily delay or permanently block transactions that appear unusual or potentially fraudulent. This may include:

• Transactions that deviate from your normal pattern
• Multiple high-value transactions in a short period
• Transactions with sanctioned countries or individuals
• Transactions that match known fraud patterns

4. Reporting Suspicious Activity

If you notice unauthorized transactions or suspicious activity on your account, please contact us immediately at:

• Phone: 1-844-428-8542
• Email: security@zelle.com

5. Regulatory Information

Zelle® is a service provided by Early Warning Services, LLC, a financial technology company owned by seven of America's largest banks. Our services are subject to oversight by various regulatory bodies, including:

• Federal Reserve System
• Office of the Comptroller of the Currency (OCC)
• Consumer Financial Protection Bureau (CFPB)
• Federal Deposit Insurance Corporation (FDIC)