Digital Services Agreement: Welcome

Digital Services Agreement
Welcome
This agreement governs your use of the digital financial services (“Digital Service(s)”) made available at
www.usbank.com or through our mobile application(s) available on Android or iOS. (the “Agreement”). Availability
of certain Digital Services is dependent on your access device, and some Digital Services may not be available for
use with all account types. Certain terms are defined within this Agreement or in the definitions section at the end
of this Agreement.
This Agreement is revised periodically, and it may include changes from earlier versions. By using
Digital Services, you agree to the most recent version of this Agreement, which is always available to you
online and within our mobile app(s).
Privacy & security

Protecting your privacy is important to us. All information gathered from you in connection with using Digital
Services will be governed by the provisions of the U.S. Bank and U.S. Bancorp Investments Privacy Pledge
(collectively “Privacy Pledge”), including the Consumer Privacy Pledge and the Online Privacy and Security Policy,
which are available online, within our mobile app(s), or by calling us.
We will disclose information to third parties about your account or the transfers you make when it is necessary to
complete the transfers you initiate using Digital Services, to verify the existence and condition of your account for
a third party (such as a credit bureau or merchant),to comply with government agency or court order, or if you give
us written permission.
Protecting your log-in credentials

Prevent unauthorized access to your accounts by keeping your Log-in Credentials confidential and ensure that you
log out of Digital Services when you are finished. If you choose to activate a biometric feature (such as a fingerprint
or face scanner), it is your responsibility to control access to Digital Services just as you would with your personal ID
and password. You acknowledge that any person who has a biometric feature stored in your device may be able to
access Digital Services on that device.
We will never ask you to share your Log-in Credentials, and you do not need to share your Log-in Credentials
to send or receive money using Digital Services. If you give another person or business access to Digital Services
by sharing your Log-in Credentials, you agree that each such third-party will be authorized to act on your behalf,
and will be bound by this Agreement (and any separate agreement governing your account). We are not responsible
for managing the authority of your third-party relationships, or the use of Digital Services by an authorized third-
party using your Log-in Credentials. Any activity performed using your Log-in Credentials, even if not specifically
intended by you, will be presumed to be authorized by you. If you have shared your Log-in Credentials with a
third-party, and wish to revoke such access, you must contact us to block access to Digital Services until new Log-
in Credentials are established. Our Shared Access feature (described below) allows you to delegate limited access
on your eligible accounts without sharing your Log-in Credentials.
Contact us at 800-USBANKS immediately if:
• You would like to disable or revoke your password.
• You believe that your password or other means to access Digital Services has been lost or stolen.
• You believe that someone may attempt to use Digital Services without your consent or has transferred money
without your permission.
Unauthorized transactions & errors

If you believe that an unauthorized transaction has been made from your account, contact our Fraud Liaison Center.
Contacting us right away will help reduce possible losses.
Digital Services Agreement – May 2020 - 1

Call immediately to report unauthorized transactions.
Fraud Liaison Center 877-595-6256
TDD: 800-685-5065
U.S. Bancorp Investments 800-888-4700
In writing at: U.S. Bank 24-Hour Banking
EP-MN-WS5D
60 Livingston Ave.
St. Paul, MN 55107
Reporting unauthorized transactions

Consumer accounts
You will not be liable for unauthorized transactions or transfers involving your Consumer Accounts if you report any
unauthorized transactions within 60 days of when we first deliver a statement to you that discloses an unauthorized
transaction. If you do not tell us within 60 days after the statement was sent to you, you may lose any amount
transferred without your authorization after the 60 days if we can prove that we could have stopped someone from
taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from
telling us, we may at our sole discretion extend the period.
Business and brokerage accounts
We may process any instructions submitted using your Log-in Credentials and such instructions are effective even
if you did not transmit or authorize them. You agree to maintain appropriate accounting and auditing procedures
to protect your Business and Brokerage Accounts from intentional or negligent misuse. You agree to promptly
review all paper and electronic statements, notices, and transaction information we provide and to report all
unauthorized transactions and errors immediately. You may not be liable for unauthorized transactions if you
report them within 24 hours of the alleged unauthorized transaction posting.
Wealth Management Accounts
If you believe that an unauthorized transaction has been made from your Wealth Management Account, you should
immediately contact your account/relationship manager.
Credit card accounts
You are protected from unauthorized transactions as outlined in your cardmember agreement. If you believe that
an unauthorized transaction has been made on your credit card, you should immediately call the number on the
back of your card.
Reporting errors
Consumer accounts
Contact us at 800-USBANKS as soon as possible if you think your statement or transaction history is incorrect, or if
you need more information about any transaction listed in your statement or transaction history. We must hear
from you no later than 60 days after we sent the first statement on which the problem or error appeared. When
reporting an error, please be ready to provide all the following:
• Your name and account number.
• A description of the error or the transaction in question. Please explain as clearly as possible why you believe it
is an error, or why you need more information.
• The dollar amount of the suspected error.
If you tell us verbally, we may require that you send your request in writing within 10 Business Days of your verbal
notification. We will tell you the results of our investigation no more than 10 Business Days after you notify us, and
will correct any error promptly. However, if we need more time complete our investigation, we may take up to 45
days. In this case, we will provisionally credit your account within 10 Business Days for the amount you think is in
error, so you will have use of the money during the time it takes us to complete our investigation. If we ask you to
submit your request in writing and do not receive it within 10 Business Days, we may not provisionally credit your
account. For errors involving new accounts, we may take up to 90 days to investigate your request and up to 20
Business Days to provisionally credit your account for the amount you think is in error. We will tell you the results
within 3 Business Days of completing our investigation. If we decide there was no error, any provisional credit we
provided will be revoked, and you will be responsible for refunding us the full amount of the provisional credit. We
will send you a written explanation of why the claim was denied, and you may request copies of documents used in
our investigation.
Brokerage, business, credit card, and wealth management accounts
In case of errors or questions about any Brokerage, Business, credit card, and Wealth Management Account, please
contact your account/relationship manager or call the number on the back of your card as soon as possible.
Managing your contact information

Your use of Digital Services may be limited, suspended, or terminated if you do not maintain accurate contact
information or if we cannot verify your identity. Changes to your contact information may be made within Digital
Services or by contacting us. We are not responsible for any payment processing errors or fees incurred if you do
not provide accurate account or contact information.
For the duration of our relationship, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular,
Verizon, or any other wireless operator) to use your mobile number, name, address, email, network status,
customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status
details, if available, to allow us to verify your identity and to compare information you have provided to us with your
wireless operator account profile information. See our Privacy Pledge for more information on how we treat your
data.
Receiving text messages and other communications

By providing us with a telephone number for a mobile device, including a number that you later convert to a
mobile device number, you are expressly consenting to receiving communications—including but not limited
to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone
dialing system—from us and our affiliates and agents at that number. This express consent applies to each
such telephone number that you provide to us now or in the future and permits such calls for non-marketing
purposes. Calls and messages may incur fees from your mobile services provider.
You represent that you are authorized to use the email address or mobile phone number that you use for Digital
Services, and you expressly consent to the receipt of non-marketing emails or text messages from us, from Zelle (or
other Service Providers associated with Digital Services), from other users that are sending you money or
requesting money from you, and from other participating network banks (or their agents) regarding Zelle or related
transfers between participating network banks and you.
You acknowledge that any messages sent in connection with sending, receiving, or requesting money though Zelle
are initiated by you and that we, Zelle, and affiliated Service Providers only facilitate the delivery of such messages
on your behalf. To the extent required, you are responsible for gaining consent from any person or entity to whom
you intend to send messages and/or money using any of the Digital Services.
Message frequency depends on your account settings and how often you use the Digital Services that utilize such
functionality. In the event your mobile device is lost or stolen, you agree to update your information and make the
appropriate changes to disable the use of your device. If you need assistance, contact us at 1-800-usbanks,
1800usbanks@usbank.com, or reply to the text message with the word “HELP.” To stop receiving text messages
on your mobile phone, reply to the text message with the word “STOP.”
The text messaging features of Digital Services are available from all major wireless operators based in the
United States of America (AT&T, Verizon Wireless, T Mobile®, Sprint, Metro PCS, U.S. Cellular®, and
Cincinnati Bell). Text messages may be delayed (or not delivered) if your mobile device is not in range of a
transmission site, placed in airplane mode, or if sufficient network capacity is not available at a particular time.
Even within a coverage area, factors beyond the control of your wireless operator may interfere with message
delivery, including your equipment, terrain, proximity to buildings, foliage, and weather. You acknowledge

that urgent alerts may not be punctually received, that your wireless operator does not guarantee that alerts
will be delivered, and that we, our Service Providers, and the wireless operators are not liable for delayed or
undelivered messages.
Monitoring and recording communications

We may monitor and/or record any communications between you and us (or our Service Providers) for quality
control and other permitted business purposes. This monitoring or recording may be done without any further
notice to you or anyone acting on your behalf.
Location-based services
If you use any location-based feature (such as Mobile Location Confirmation or our ATM locator) you agree that
your geographic location and other personal information (such as your unique device identifier) may be accessed
and disclosed through the application or service. You may turn off location-based features at any time through the
settings of your mobile device. If you disable location-based services, other features that use your location may
not work until you re-enable location-based services.
Mobile Location Confirmation

The Mobile Location Confirmation service (“MLC”) helps to reduce the likelihood that we will mistakenly decline a
credit card transaction when you are outside your normal purchasing areas. MLC uses location updates sent by your
mobile device to help us determine if you are in the same location as where the card transaction is being processed.
You may opt out of using MLC at any time by disabling location-based services for the mobile app(s) that uses
such services.
MLC is exclusive to your U.S. Bank-branded Visa credit card(s), which are automatically enrolled in MLC. If your U.S.
Bank-branded Visa credit card is lost, stolen, or expires, we will automatically enroll the replacement card in MLC.
Location updates
When you enable location-based services, you agree to allow your mobile device to automatically send location
updates. Each location update contains a unique device identifier, a timestamp, the event that triggered the
location update (such as a cell tower change or connection to a wi-fi network), and the approximate location of the
device. The location updates are sent to us and our Service Providers (such as Visa) who help to provide MLC.
Home area
The “Home Area” is a circular region with a 50-mile radius centered around where your mobile device is most
commonly located. If your device remains within the Home Area, location updates will generally be sent no more
than once every 24 hours. If your Home Area is not yet defined, if your Home Area is being re-validated, or if your
device is outside of the Home Area, location updates will be sent more frequently, particularly when the device is in
transit. Your Home Area will be re-validated once every 6 months or if you do not return to your previously defined
Home Area after more than 30 days. If you turn off location-based services, your Home Area will be purged. If you
later turn location-based services back on, it will be necessary to re-establish a Home Area. If your mobile device is
most typically located less than 50 miles from a national border, your Home Area will have a radius equaling the
distance to the national border.
Limited use of data
We (and our Service Providers) will use location update data for fraud screening and to improve fraud screening
services. We will not share personally identifiable location data with any third party without your consent, except
to comply with court orders, valid legal process such as a warrant or subpoena, and other legal requirements.
Data storage and retention
We (and our Service Providers) may store and process personal information in different countries than where you
reside. Please note that these countries may have different laws and requirements about privacy and data use than
where you live. We (and our Service Providers) will retain location update data for a maximum of 18 months, except
as required to comply with court orders, valid legal process such as a warrant or subpoena, or other legal
requirements.
Changes to MLC
We may, at our discretion, terminate, change, modify, suspend, or discontinue any or all aspects of MLC,
temporarily or permanently, including the availability of any service, at any time, with or without notice to you. You
agree that we (and our Service Providers) shall not be liable to you or to any third party as a result of taking any of
these actions.
Features to help manage your accounts

All your eligible accounts are automatically associated with your digital profile and will appear on the account
summary screen. We make every effort to ensure that your use of Digital Services is synchronized between the
various means of accessing your account information. There are rare instances, however, where the information
available through Digital Services may be delayed or different from the information available using other methods
(such as at an ATM or branch location). Additionally, some information available at a branch or ATM may not be
immediately available via Digital Services, or it may be described using different terminology. In the event of any
discrepancies, the information related to your account(s) provided at a branch location will prevail over the
information provided within Digital Services.
The account information listed on the account summary screen is not a substitute for your official periodic
account statement or other correspondence you may receive from us. Any legal notices that normally
accompany your mailed statement will either continue to be mailed or delivered to you electronically in
accordance with your account preferences.
Virtual assistant balance request

You may enable a virtual assistant (such as Siri or Google Assistant) to display or read your available balance without
logging in. The balance presented this way is for informational purposes only, and you must use your Log-in
Credentials before you are able to initiate transactions using Digital Services. You must enable this feature before
you can access your balance via virtual assistant, and if you do so, it is your sole responsibility to maintain proper
security measures (such as a screen lock on your mobile device) to prevent unauthorized persons from retrieving
your available balance information.
Voice banking
Voice banking features allow you to navigate the mobile app, check account balances, and initiate select
transactions using voice commands instead of the on-screen keyboard. Some features may have limited
functionality as we continue to enhance our voice banking services, and we reserve the right to modify voice
banking services without notice.
Be aware of your surroundings as any commands you speak, or audible responses you receive, may be heard
by others. While in a voice banking session, the microphone will only be active after you tap the microphone icon.
The microphone will remain active for seven seconds after activation and may react to any commands captured
during that time – even commands that may not be intended by you. Keep in mind that any commands initiated
during your voice banking session, even if not specifically intended by you, will be presumed to be authorized by
you.
Voice banking features are provided as a convenience to you and are not used to authenticate your identity or
otherwise control access to Digital Services. If you use voice banking features, you are responsible for confirming
the on-screen action matches your request, and that you verify the accuracy of any Payment Instruction you
provide.
Shared access
Shared Access allows you to provide a third party (called a “Shared Access User”) with limited access to eligible
account(s) without sharing your Log-in Credentials. You may add one or more Shared Access Users to each eligible
account(s), and assign a role (defined below) to each Shared Access User. The Shared Access User will use separate
Log-in Credentials to access the account you specify in accordance with the role you assign. Depending on the role
assigned to the Shared Access User, some Digital Services described in this Agreement may be disabled or have
reduced functionality.
You are solely responsible for managing the level of access you provide to a Shared Access User and we are
not responsible for any losses you or others may incur if your Shared Access User exceeds his or her authority

or if you fail to revoke access granted to a Shared Access User. You agree to indemnify us and hold us harmless
for any loss or damage you or others incur as a result of the actions of your Shared Access User.
Limited authority
Shared Access, and any roles assigned to a Shared Access User, is only applicable to Digital Services. Appointing a
Shared Access User under this Agreement does not extend to telephone banking or banking at a branch.
Appointing a Shared Access User as described herein is separate from any other appointments or delegations you
have made or will make in the future (i.e., agents under a power of attorney, a written designation of agent, etc.),
and the authority of a Shared Access User is subject to the authority of any other appointed agent.
Shared access user roles
The authority of your Shared Access User is based on the assigned role. Any additional limitations placed on the
Shared Access User, even if we have express written notice of those limitations, are exclusively between you and
the Shared Access User.
View only: The Shared Access User will have limited access to the assigned accounts and will be able to view account
information and select account documents. A Shared Access User with View Only access will not be able to conduct
transactions on the assigned account(s).
View and transactional: In addition to viewing account information as described above, the Shared Access User will
also have limited transactional authority on the assigned accounts to conduct internal transfers between your
eligible deposit accounts, make internal payments to your eligible loans and lines of credit, and initiate external
payments to the billers you have previously established using the bill pay service. You can review transactions
initiated by the Shared Access User in the Transaction Log within the Manage Users dashboard.
• The View and Transactional role is only available for select account types.
• You may limit the transactional authority of your Shared Access User by:
o Establishing daily transaction limits for each account you assign to a Shared Access User.
o Limiting the type of transactions you allow your Shared Access User to conduct. For example, you may
limit the transactional authority to internal transfers only.
• A Shared Access User with View and Transactional authority may not:
o Add a new biller using the bill pay service.
o Make Modifications to existing billers.
o Set up recurring payments.
o Future date a payment greater than 30 days.
o Exceed any of the transaction limits that are established for the account.
o Cancel your electronically presented bills.
• If you revoke View and Transactional authority from a Shared Access User, any pending and scheduled
transactions initiated by the Shared Access User will continue to process unless you cancel the transaction.
Managing the shared access user
Adding a shared access user: Any person who has authority to make changes to the eligible account may add a
Shared Access User by enrolling in the Shared Access service and following the instructions on the “Manage Users”
dashboard.
The Shared Access User(s) will have the option to accept or decline the Shared Access User assignment. Once a
Shared Access User accepts an assignment, and completes the Shared Access User enrollment, any assigned
accounts will automatically appear on the Shared Access User’s account summary screen in the Shared Access
section.
The appointed Shared Access User is not required to accept the assignment and may terminate the assignment at
any time. Even if a Shared Access User accepts the assignment, we impose no duty or requirement for the Shared
Access User to take any further action on the assigned account(s). You acknowledge that we have no duty or
responsibility to monitor the acts of the Shared Access User or ensure that the acts of the Shared Access User are
for your benefit or the benefit of the account. Any separate agreement, or required duty to act, is solely between
you and the Shared Access User; we are not responsible for managing or enforcing any such agreement between
you and the appointed Shared Access User.
Removing a shared access user: Any person who is enrolled in Shared Access that has authority to make changes
to the eligible account may remove a Shared Access User by logging in to Digital Services and selecting “Remove
User” within the “Manage Users” dashboard.
We reserve the right to remove a Shared Access User from the account(s) at any time, and for any reason, without
further notice to you.
Notifications
The Shared Access User will receive an email notification of the Shared Access assignment (and any changes to the
Shared Access User role).
Confidentiality
The Shared Access User is not exclusive to any account, or any person, meaning that a Shared Access User may
have access to multiple accounts at the same time. You are responsible for determining if the Shared Access User
has access to other accounts. Any additional limitations you impose on the access and the use of your account
information, is strictly between you and the Shared Access User.
Statements and notices

You have the right to receive paper statements and other account-related notices for any account that you access
electronically, but you may elect to receive electronic versions of account statements and notices (e-statements)
as detailed below. Generally, the cycle time for your e-statements will be the same frequency as your paper
statements. When you start receiving e-statements, you (and any joint owner) will begin to build a seven-year
electronic document history that will be available within Digital Services.
If you add a joint account owner, the joint owner will be able to see statements from the time he or she becomes a
joint owner and may also be able to gain access to information from before the time you added them to the account
by searching account history or specific transactions.
Once you enroll in the electronic presentment of any document, you may no longer receive paper versions of
the selected documents unless you specifically request it. Contact us to request a paper copy of any disclosure,
notice or other document. Copies of required regulatory disclosures and tax statements will be mailed at no charge.
Reverting to paper delivery, requesting copies of previously issued account statements, and requesting copies of
checks or other account-specific items may incur a fee. (See your Consumer and Business Pricing Information
brochures for paper delivery pricing information.)
You are responsible for downloading and saving your electronic documents for your own purposes. If you close an
account, you will no longer have digital access to the closed account or the associated electronic documents. Your
final account statement will be produced on paper and mailed to you. You can request a paper copy of any past
statement by contacting us.
E-statement availability alert
When you enroll in e-statements, you will be automatically enrolled in e-statements availability alerts. These alerts
will be sent in accordance with your notification preferences. Please see the account alerts section for more
information on managing your account alerts.
By enrolling any account in e-statements, you agree that the e-statements availability alert constitutes the date
of delivery of such e-statement. The statute of limitations regarding claims related to any items disclosed in a
particular e-statement begins on the date we notify you that an e-statement is available. Any failure to access, view,
print and/or save an e-statement will not impact the statute of limitations.

Tax statements
By default, you will receive paper versions of your tax statements and you must separately enroll for electronic
delivery of tax statements for each eligible account. Once you initiate electronic delivery of tax statements, you will
continue to receive the selected documents electronically until you change your delivery preferences as described
below.
Account statements and notices
If you enroll in e-statements, you will also receive electronic versions of any notices that may be periodically
provided with your account statements. For example, important annual disclosures that are normally provided with
your paper statements will now be delivered to you electronically along with your e-statements.
Any account owner may enroll in e-statements for accounts in which they have an ownership interest. If an account
has multiple owners, the enrolled account will no longer appear on any paper statement, but it will be available to
all owners who use Digital Services. If you were receiving information for multiple accounts on your paper
statement, please be aware that, after e-statement enrollment, you will begin to receive a separate e-statement
for each account that is registered.
Managing your delivery preferences
You may manage your delivery preferences for e-statements and notices by logging in and updating your profile or
by contacting us. Note that for electronic tax statements, you must unsubscribe in writing. If you opt-out of any
electronically presented statement or notice, the next available statement or notice will be mailed to you at the
address we have on file and the associated account alert will be discontinued. Statements and notices that were
previously presented electronically will not be mailed to you. Any accounts that were previously combined on your
paper statement will have to be re-combined by request at your local branch or by contacting us. If you want to
receive your cancelled checks along with your mailed statement, you must also reinstate this feature.
Account alerts
Account alerts are notifications and reminders related to your accounts. Some examples include: low balance alerts,
account statement availability alerts, transactional alerts (such as withdrawals over a specified amount), and credit
card payment alerts. You may choose which account alerts you would like to receive, the account(s) to which the
alerts will relate, and up to three email address or mobile numbers to which the alerts will be sent. You agree to
notify us of any change to your contact information to ensure continued delivery of your account alerts. Message
and data rates may apply, and the message frequency depends on the account settings you select.
Managing your alerts
In addition to permanently deleting an account alert, you may establish “quiet times,” which will suppress alerts
generated during the identified time, or you may deactivate an account alert by changing the status to “inactive.”
Alerts suppressed during the identified quiet times will be presented when the quiet times expire. Inactive account
alerts will be maintained on your list of alerts but will not be presented until the alert status is changed to “active.”
Delivery of alerts
Account alerts will be sent at various times on any day that transactions meeting your specified criteria occur. You
understand and agree that account alerts may not be sent on a “real time” basis and may be sent at the next
scheduled delivery time after the specified transaction event occurs. We reserve the right to change the frequency
or timing of account alerts.
Limitations of account alerts
Account alerts are for informational purposes only and are not intended to replace your account statements or any
other communications we may provide to you regarding your account(s). Some account alerts may be
automatically suppressed if we receive notice that you have filed for bankruptcy or if you have otherwise instructed
us to cease and desist communication with you in relation to collection efforts on your account(s).

Features to help you move money
General terms
Restricted use
You agree that you will not use Digital Services for any of the following payments or requests for payments:
• Requests for the payment or collection of an overdue or delinquent debt owed to you, or to request money that
is owed to another person.
• Payments to persons or entities located outside of the United States and its territories.
• Payments that violate any law, statute, ordinance or regulation (including, but not limited to, internet
gambling).
• Using Zelle for payments to state or federal governmental entities (e.g., payments for fines or taxes).
• Using Zelle for court ordered payments (including court ordered amounts for alimony or child support).
We reserve the right, but assume no obligation, to terminate your ability to use Digital Services, or limit your
ability to transfer money to specific recipients, if we deem such activity to be potentially unlawful, abusive,
offensive, or unwelcome by the recipient. In no event shall we be liable for any claims or damages resulting from
your use of Digital Services for prohibited payments.
Account limitations
Federal Regulation D limits certain types of withdrawals and transfers made from a savings or money market
account to a combined total of six per account cycle. This includes withdrawals made by check or draft to third
parties; debit or ATM card point-of-sale (POS) purchases; and pre-authorized withdrawals (such as automatic
transfers for overdraft protection and transfers made by telephone, online, through a mobile device, bill pay, wire,
and facsimile). Withdrawals and/or transfers exceeding the six-per-account-cycle allowance will result in an
excessive withdrawal fee per transaction (refer to the Consumer Pricing Information and Business Pricing
Information brochure for your deposit account).
Withdrawals and transfers made in person at a U.S. Bank branch or at an ATM are not included in the limit of six per
account cycle.
Accuracy
It is your responsibility to ensure the accuracy of any information that you enter, and you will be responsible
for any transaction processed on your Payment Instruction even if you make an error. For example, you are still
responsible for the payment if you mistype the account number, the telephone number, or the email address; if you
incorrectly enter the dollar amount; or if you duplicate a transaction because you believe the initial transaction was
not successful.
You are responsible for informing us as soon as possible if you become aware that any information you entered is
inaccurate. Once informed, we will make a reasonable effort to recover a payment made to the wrong person or
entity, but we do not guarantee such recovery, and are not responsible for damages resulting from information that
is entered erroneously.
Authorization
When we receive a Payment Instruction from you, you authorize us to debit your Payment Account and remit funds
on your behalf. You also authorize us to credit your Payment Account for the receipt of payments, including but not
limited to those payments returned to us from Recipients to whom you sent payment(s) or cancelled and returned
to you because the processing of the payment transaction could not be completed. When you use Digital Services
to make transfers from credit accounts, you agree that we may take any action required to obtain cash advances
on your behalf, including charging your linked credit account without your signature. Each transfer made from a
credit card account is treated as a cash advance from that account and is subject to the terms of your cardmember
agreement.
If there are insufficient funds in the Payment Account to make payments you have authorized, we may either refuse
to make the payment or we may make the payment and thereby overdraw the Payment Account. In either case,
you are responsible for any insufficient funds or overdraft charges we may impose. We reserve the right to refuse
to honor Payment Instructions that reasonably appear to be fraudulent, erroneous, or in violation of this
Agreement.
Payment method
We reserve the right to select the method in which to complete your Payment Instruction. These payment methods
may include a payment using the ACH network, an electronic payment, an electronic to check payment, or a paper
check issued on your behalf. Funds remitted to the payee via paper check will not be deducted from your Payment
Account until the paper check is presented to us for payment.
Limits on liability
Mobile check deposit: You indemnify and hold us and our Service Providers harmless from and against any and all
claims, demands, damages, losses, liabilities, penalties, and expenses (including, without limitation, reasonable
attorney fees and court costs) arising directly or indirectly due to any of the following:
• Your failure to follow the check eligibility or endorsement standards outlined in this Agreement.
• Your breach of any check presentment representation or warranty.
• Any of your acts or omissions in the capture, creation, or transmission of the Electronic Deposit.
• Any duplicate, fraudulent, or unauthorized presentment of an Electronic Deposit.
• Loss caused by our acceptance of the Electronic Deposit in lieu of the original paper check.
Money transfer services: We are responsible for your actual losses that are directly caused by our failure to initiate
or cancel your properly entered and transmitted Payment Instruction. However, we will not be liable for any of the
following:
• If you do not have adequate funds in your Payment Account to complete a transfer from that account, or if that
account has been closed, or if withdrawals from your Payment Account have been prohibited by a court order
such as a garnishment or other legal process.
• If you have not properly entered a Payment Instruction in accordance with this Agreement, if your computer
fails or malfunctions, or if Digital Services was not working properly and this problem should have been
apparent to you when you attempted to initiate a Payment Instruction.
• If you do not initiate your Payment Instruction soon enough for your payment to be made and properly credited
by the Payee by the time it is due, or if we make a timely bill payment, but the Payee does not credit your
payment promptly after receipt.
• If circumstances beyond our control prevent or delay the execution of your Payment Instruction. Such
circumstances include delays or losses of payments caused by telecommunications outages, postal strikes, mail
carrier delays, actions of third parties (such as Payees), equipment failures, and natural disasters.
• On Consumer Accounts for any indirect, incidental, or consequential damages if our failure was not intentional
and resulted from a bona fide error, notwithstanding procedures to avoid such errors. We have no liability for
indirect, incidental or consequential damages associated with Business Accounts even if we have been advised
of the possibility of such damages.
Managing your payment instructions
You have options to manage the Payment Instructions you establish using Digital Services. As stated in more detail
below, your ability to cancel or edit a payment will depend on the way the payment was initiated and whether the
payment has begun processing.
Pre-authorized payments: If your payment has already started processing, you will be unable to cancel the
payment. For pre-authorized payments that have not started processing, you must cancel or edit the Payment
Instructions at least three Business Days before the scheduled payment date. Examples of pre-authorized
payments include scheduled bill payments and recurring payments to your electronic billers. If you order us to
cancel a preauthorized recurring payment at least three Business Days before the payment is scheduled, and we do
not do so, we will be liable for your losses or damages.

Zelle payments: One-time Zelle payments process immediately and cannot be canceled or edited. You may cancel
or edit scheduled Zelle payments at any time before the scheduled payment date. You may also cancel a pending
Zelle payment that has not been claimed by the Recipient.
Stop payment order
In addition to your options for managing Payment Instructions, you may also use Digital Services to initiate a stop
payment order. A stop payment order is a formal request to stop the payment of a paper check, series of checks, or
an electronic payment (ACH/Debit). If you believe that your check book or debit card is lost or stolen, or you
otherwise believe someone may attempt to initiate unauthorized transactions on your account, please call our
Fraud Liaison Center immediately (877-595-6256). Stop payment orders are described in more detail in the
account agreement for your account, and the charge for each stop payment order will be the current charge for
such service as detailed in the Consumer or Business Pricing Information Disclosure.
Submitting a stop payment order does not guarantee that the payment will be stopped; our ability to process a stop
payment order will depend on the payment method and whether final payment has been made. A stop payment
order does not change the existing agreement you may have with the payee and the payee may still have the right
to collect payment. If you need to cancel a stop payment order, it can take up to seven Business Days.
Electronic payments: You must request the stop payment order at least three Business Days before the scheduled
payment date to ensure that the payment has not started processing. If your electronic payment has already started
processing, or has completed processing, you cannot initiate a stop payment order or otherwise stop the payment.
A stop payment order for an electronic payment does not expire. If you order us to stop a preauthorized recurring
payment at least three Business Days before the payment is scheduled, and we do not do so, we will be liable for
your losses or damages.
Paper payments: You may request a stop payment order for a paper check (or series of checks) drawn on your
account that has not been presented for payment. If the paper check has been presented for payment, or has
already been paid, you cannot initiate a stop payment order or otherwise stop the payment. A stop payment order
for a paper payment will remain in place for up to 24 months.
Mobile check deposit

Mobile check deposit is a service that allows you to remotely deposit paper checks into an eligible Consumer or
Business Account. We will process and collect your Electronic Deposit through the check collection system just as
we would a paper check.
You may only deposit items made payable to you individually or to you alternatively with another person or persons
(John Doe or Jane Doe); jointly payable items (John Doe and Jane Doe) may not be deposited using mobile check
deposit unless both parties have endorsed the item. We reserve the right to reject any deposit for any reason.
The following items are specifically not eligible for mobile check deposit:
• Checks, including traveler’s checks, that are drawn on banks located outside of the United States
• Checks payable in a medium other than U.S. dollars
• Non-cash items (as defined under Section 229.2(u) of Federal Reserve’s Regulation CC)
• Promissory notes and similar obligations, such as savings bonds
• Third-party checks
• Pre-existing substitute checks
• Checks that have been previously returned as unpaid or uncollected
• Checks drawn on your own U.S. Bank account
• Checks more than 180 days old,
• Checks that contain erasures or checks that have been altered

Depositing your check
If you believe you may have deposited a check more than once, please contact us immediately.
Endorse the check: The check must be endorsed by all the payees of the check (except alternate payees) and
deposited into one of the payees’ accounts.
Enter the amount of the check: Enter the amount of the check carefully, as you are responsible for any errors you
make in the mobile deposit process.
Create a check image: Mobile check deposit will use the camera on your mobile device to take a picture of the front
and back of your check.
Confirmation and receipt: Within minutes of submitting an Electronic Deposit, you will receive an email message
from us confirming that we have received the Electronic Deposit. After we have confirmed receipt of your deposit,
you will receive a second message from us indicating whether your deposit has been rejected or accepted for
processing. If you receive error messages indicating that the Electronic Deposit has been rejected, then the check
must be physically deposited at your local bank branch or ATM.
Performance of mobile check deposit may be affected by external factors such as communication network latency.
An Electronic Deposit is not considered “received” by us unless we send you a message confirming that we received
it.
Deposit limits
You are limited in the amount that you may deposit at any given time using mobile check deposit. The following
deposit limits apply to each account:
• Per-item limit: Limits the value of each item you deposit and applies to each separate item you deposit.
• Daily limit: Limits the total combined value of all items deposited in a single Business Day. Deposits made after
the daily cutoff time or on a non-Business Day (as explained in the Funds availability section of this Agreement)
will apply to the daily limit of the next Business Day.
• Weekly limit: Limits the total combined value of all items deposited in a single week. For the purposes of
deposit limits a “week” is defined as the current Business Day plus the four previous Business Days.
The deposit limits vary depending on many factors, including your deposit history and the length of your
relationship with us. Deposit limits are subject to change as we continually evaluate these factors. Your current
deposit limits will always be displayed on screen at the time of deposit.
Funds availability
This policy only applies to deposits made using mobile check deposit; deposits made at a branch location or ATM
remain subject to the funds availability policy outlined in the most current version of the applicable account
agreement.
We are not liable for transactions you initiate before the funds are available for your use. Until you receive
confirmation that the funds are made available, you may not withdraw the funds in cash and we may not use the
funds to pay items that you have written or honor other withdrawals you request. If we pay items that you have
written or honor other withdrawals before funds are available to you, you may incur a fee if you overdraw your
account.
Mobile check deposit is available 24/7/365, but the availability of the accepted deposit is subject to the following
processing cutoff times:
• Deposits submitted and accepted before 9 p.m. Central Time on a Business Day: Generally, the first $225 of your
total daily deposits will be available immediately and the balance of your total daily deposits will be available on
the next Business Day.
• Deposits submitted and accepted after 9 p.m. Central Time on a Business Day (or items deposited on a non-
Business Day): These deposits will not be processed until the next Business Day, which will be considered the
recorded day of your deposit. Generally, we will make the first $225 of your total daily deposits available on the
recorded day of deposit with the balance of your total daily deposits available on the next Business Day.

In certain circumstances, and at our discretion, your entire deposit (or a portion of your deposit) may be delayed for
a longer period under the following circumstances:
• We believe a check you deposit with us will not be paid.
• You deposit checks totaling more than $5,525 on any one day, or otherwise exceed your deposit limit.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment.
We will notify you if we delay your ability to withdraw funds, and we will tell you when the funds will be available.
In most cases, funds will be available within one to seven Business Days after the recorded day of your deposit.
You are responsible for the items you deposit that are returned to us unpaid and for any other problems involving
your deposit even after the item has “cleared,” we have made funds available to you, and you have withdrawn the
funds.
Returned items
If a check is returned to us for any reason, you agree that we may charge your account for any and all fees associated
with the returned item.
Marking, retaining, and destroying original paper checks
To mitigate the risk of fraud or the presentment of duplicate items, you agree to clearly mark on the original paper
check that the item has been deposited electronically. Do so after you receive confirmation that the deposit was
received and accepted for processing by U.S. Bank.
Retention and destruction: Retain all checks for at least two Business Days after the deposit is made in case a check
is returned and you need to re-deposit the original item. You agree to destroy all deposited checks as soon as
reasonably possible thereafter and no later than 30 days after deposit.
Re-presentment: If we determine that we require the original paper check to process your deposit, you are
responsible for providing to us the original paper check, or if the original paper check has been destroyed, for
obtaining a replacement check.
Limitations of mobile check deposit
Once a Check Image has been accepted for deposit, we are not able to delete or remove the item from the collection
process and it becomes subject to the “Funds Availability” policy for mobile check deposit.
You may not use mobile check deposit if:
• The current balance of your deposit account is negative by $100 or more.
• There are restrictions on your deposit account that prevent you from depositing or withdrawing funds.
• You have more than two returned deposited items in the last three statement cycles.
We will take reasonable measures to ensure that mobile check deposit is available, but we are not liable for system
failures or temporary service disruptions that cause mobile check deposit to be unavailable. If mobile check deposit
is unavailable; you are responsible for carrying out your business through alternative channels.
Representations and warranties
With respect to each Electronic Deposit, you make any representation or warranty that would have applied had you
deposited the original paper check. This includes representations and warranties we make on your behalf when we
transfer, present, or originate the Electronic Deposit created from your Check Image. These representations and
warranties include but are not limited to, that: (a) the transmissions contain accurate images of the front and back
of the original checks; (b) the transmissions contain all necessary endorsements; and (c) no depository bank,
drawee, drawer, or endorser will be asked to make a payment based on an item that it has already paid.

Transfer money between accounts
You may transfer funds between the eligible accounts you hold with us (“Internal Transfer”), or between the
eligible accounts you hold with us and an External Account (“External Transfer”). In most cases, you may transfer
funds from accounts in which you have an unrestricted right to withdraw funds or borrow money.
Types of transfers
Cash advances: You may initiate a cash advance from any linked credit product you have with us and transfer those
funds to your linked Consumer, Business, or verified External Account.
Funds transfers: You may initiate a one-time, scheduled, or recurring transfer of funds between any of your
associated eligible Consumer, Business, Brokerage, or verified External Accounts.
Timing and delivery
Internal Transfers initiated before the daily cutoff time are generally posted immediately. In some cases, transfers
involving a Brokerage Account may be delayed up to three Business Days. The daily cutoff time, which varies based
on the type of account, is described on screen and in the account agreement for that specific account.
Standard External Transfers initiated before 12:00 A.M. Central on a Business Day will begin processing
immediately and the funds will be available in your designated External Account within three Business Days.
Next Day External Transfers initiated before 6:00 P.M. Central on a Business Day will begin processing immediately
and the funds will be available in your designated External Account on the next Business Day. This delivery option
is only available for select accounts.
All transfers initiated on a Business Day after the cutoff time, or transfers initiated on a non-Business Day, will begin
processing on the next Business Day. In these instances, the date the transaction is processed will be considered
the first Business Day, and the funds will be available in accordance with the selected delivery method as calculated
from this date.
Limitations on account transfers
Availability: External Transfers may only be used to transfer funds to or from other United States financial
institutions.
Transaction minimums: Internal cash advances require a minimum transfer amount of $50. Transfers between
Consumer, Business, Brokerage, or verified External Accounts require a minimum transfer amount of $5.
We reserve the right to limit the frequency and dollar amount of any transfers.
Linking your external account
You will be required to verify and authenticate your email address and your designated External Account before
you will be able to transfer funds to or from an External Account.
Email verification: Before your first External Transfer, you will be required to either validate the email address we
have on file for you or validate a new email address. In either case, we will send a message containing a validation
code to the email address you have selected.
External account verification: You must verify your External Account by entering in the account type, the account
number, and the ABA/Routing number of your External Account. As part of the verification process, you may be
asked to confirm trial deposits into your External Account. Once you receive the trial deposits into your External
Account, you will be asked to confirm the amount that was deposited.
External Account Authority
You represent and warrant that you have full transactional authority (i.e. the ability to initiate credits, debits, and
withdrawals) on the designated External Account and that the External Account has no restrictions limiting such
authority (i.e. a fiduciary account where you are the agent or trustee, an account blocked by a court order, an
account that is subject of a garnishment order, etc.) You agree to indemnify and hold us and our Service Providers
harmless (including the payment of reasonable attorney’s fees) from any and all liability to third parties related to
the stated authority of your External Account or any actions taken by us pursuant to your External Transfer
instructions.
Send money with Zelle
We have partnered with the Zelle® Network (“Zelle”), a convenient way to send, receive, and request money by
using an email address or a mobile phone number. (Zelle provides no deposit account or other financial services and
you may not establish a financial account of any kind with Zelle. Zelle neither transfers nor moves money; all money
will be transmitted by the participating network bank.)
With Zelle you can initiate:
• A one-time payment that will begin processing immediately
• A one-time future payment that will begin processing on a specified date
• A recurring future payment that will begin processing on a specified series of dates
Zelle is intended to help you send money to friends, family, and other people/businesses you know and trust. Do
not use Zelle to send money to anyone you do not know or trust. You agree that neither we nor Zelle are responsible
for resolving any dispute you have with another person/business you have sent money to, or receive/requested
money from, using Zelle.
Enrolling with Zelle
To send or receive money with Zelle you must enroll with Zelle by linking a Payment Account to an email address
and/or a mobile number. You may link more than one email address and/or mobile number to the same Payment
Account, but you cannot link the same email address and/or mobile number to multiple Payment Accounts.
The email address and/or mobile number you provide must be one that you regularly use and intend to use for an
extended period of time. You may not enroll in Zelle with a landline, Google Voice, or a Voice over Internet Protocol
number.
You agree to immediately notify us if you change or surrender any of your enrolled email addresses or mobile phone
numbers.
We reserve the right to unenroll any email address or mobile number that you enroll with Zelle. For example, we
may unenroll your enrolled email address or mobile number after a period of inactivity, or if we receive notice from
your wireless operator that you have changed your phone number or changed mobile service providers.
Sufficient funds
We debit funds from your Payment Account when you initiate a transfer of funds to another person, and you agree
to maintain sufficient funds in your Payment Account to cover the any payments you initiate through Zelle. Any line
of credit linked to your Payment Account as overdraft protection is not included as part of your sufficient funds. We
have the right to reject or suspend any transaction you initiate using Zelle if you do not maintain sufficient
funds in your Payment Account.
Transaction limits
For security reasons, we limit the amount of money you can send or request through Zelle. Your current Zelle limits
will always be displayed on screen at the time of your Zelle transaction. We may change these limits at our sole
discretion based on periodic risk assessments.
Fees
Business Accounts that receive money with Zelle at U.S. Bank will be charged a processing fee of 2.50% of the
amount received—with a $0.25 minimum and a $15 maximum fee. There is no fee to send money with Zelle at U.S.
Bank. There is no fee to request money with Zelle at U.S. Bank, but there is a fee for the Business Account to receive
that money.
Receiving money
Most transfers to you will occur within minutes, but to protect you, us, Zelle, and other network banks, there may
be other circumstances when a payment may take longer. For example, a payment may be delayed if we need
additional time to verify your identity (or the identity of the person sending money), to prevent fraud, or to meet
regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will
notify you in accordance with your contact preferences.
If you are receiving money from a business or government agency, the transaction will be delivered in accordance
with both this Agreement and the procedures of the business or government agency sending the money.
Sending money
When you send money, the receiving financial institution may execute your Payment Instructions by exclusive
reference to the registered email address or mobile number you enter, even if the email address or mobile number
does not correspond to the name of the intended Recipient. The financial institution holding the receiving account
may choose not to investigate discrepancies between the registered email addresses/mobile number and account
names, and we do not have the ability to investigate discrepancies between registered email addresses/mobile
numbers and account names at other financial institutions.
Most transfers from you to other users will occur within minutes, but to protect you, us, Zelle, and other network
banks, there may be other circumstances when a payment may take longer. For example, a payment may be
delayed if we need additional time to verify your identity (or the identity of the person receiving money), to prevent
fraud, or to meet regulatory obligations. If we delay or block a payment that you have initiated through a request
for money, we will notify you in accordance with your contact preferences.
If you are sending money to a Recipient that has not enrolled with Zelle, the transfer may take up to two Business
Days from the day the Recipient responds to the payment notification by enrolling in Zelle. You understand that a
Recipient to whom you are sending money and who is not enrolled in Zelle may fail to enroll with Zelle, or otherwise
ignore the payment notification, and the transfer may not occur.
Requesting money
You may use Zelle to request a payment by sending a short message to any person’s email address or to a mobile
phone number that is already registered with Zelle. The person receiving the request will have the option to pay the
full amount requested, pay a partial amount, or decline the requested payment. You acknowledge that a payment
request is not a guarantee that you will receive payment, and that your payment request may be ignored or
rejected.
Funds requested through the request money feature are not credited to your account, and therefore not available
for your use, until the person receiving the request initiates a payment to you. You will receive confirmation from
us when the funds have been credited to your account.
You may cancel requests at any time before the receiver of the request initiates a payment to you; all unanswered
requests will expire after 30 calendar days.
You agree that you are not engaging in the business of debt collection by attempting to use Zelle to request money
for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person;
or to collect any amounts that are owed pursuant to a court order.
Requests for money are solely between you and the other party. Neither we nor any of our Service Providers
assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf
or on behalf of the sender of a request for money.
We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or
to specific people/businesses, if we deem such requests to be potentially unlawful, abusive, offensive or
unwelcome.
Message content
You are responsible for all communications you send through Zelle. We and other Service Providers have the right
but not the obligation to monitor and remove content that we at our sole discretion find objectionable.
Unsuccessful transactions
We will notify you if we are unable to complete the payment for any reason.
When you send money, the Recipient is not required to accept the payment. If the Recipient does not claim the
money within 14 calendar days, Zelle automatically cancels the request and returns the money to your Payment
Account.

Make payments
With Digital Services, you can make and manage one-time or pre-authorized automatic recurring payments to the
loans and lines of credit you hold with us, to another person, or to a business located in the United States
Types of payments
One-time payment: You may establish a one-time payment to any Payee located in the United States.
Manually created payment schedule: You may establish pre-authorized recurring payments to any Payee in the
United States. When establishing your Payment Schedule, you must choose:
• The payment amount. This must be the same amount for each pay period, with the exception that you may
pre-authorize a different amount for the final payment of your Payment Schedule.
• The Payment Account.
• The date of the first payment.
• The frequency of the recurring payment (i.e., weekly, monthly, or annually). If the recurring payment date falls
on a weekend or holiday, it will be paid on the preceding Business Day.
• The duration of the Payment Schedule. You may choose to have your Payment Schedule terminate on a
specific end date or after a specific number of payments. Alternatively, you may choose to have your Payment
Schedule continue indefinitely until you modify or cancel your pre-authorization.
Automated payment schedule: You may establish pre-authorized recurring payments to loans and lines of credit
you hold with us and/or your electronically presented bills. When establishing an automated Payment Schedule,
you must choose:
• The payment amount. The amount you authorize may be either the total amount due or the minimum amount
due.
• The Payment Account.
• The date of the payment. This may be the date that the bill was received and posted within Digital Services,
the listed due date of the bill, or a specific number of days before the due date of the bill.
• The duration of the Payment Schedule. You may choose to have your Payment Schedule terminate on a
specific end date or after a specific number of payments. Alternatively, you may choose to have your Payment
Schedule continue indefinitely until you modify or cancel your pre-authorization.
If you have arranged for preauthorized recurring payments that will vary in amount, the biller will notify you of the
amount to be deducted from your Payment Account 10 calendar days before the payment date.
Scheduling payments
When scheduling payments, you should select a payment date that is no later than the actual due date, unless the
due date falls on a non-Business Day. If the actual due date falls on a non-Business Day, you must select a payment
date that is at least one Business Day before the actual due date; Payment Instructions received on weekends or
holidays will be considered received on the next Business Day. It is your responsibility to establish your payments
in such a manner that your bills will be paid on time, and you are responsible for any late payment or finance
charges that may be imposed as a result of your failure to transmit Payment Instructions in accordance with
this Agreement.
Payment delivery
Standard: When establishing a one-time payment, we automatically select the first available standard delivery
payment date for your payee. You then have the option of changing your payment date to an express delivery date
(when available) or a future standard delivery date.
Express delivery: Express delivery is a feature that allows you to make a same day or overnight payment to your
selected biller. When available, the earliest express delivery payment date for each Payee will be displayed when
you are scheduling the payment. Typically, same-day payments are available for Payees able to accept electronic
payments and overnight payments for Payees that only accept paper check payments.
Express delivery is $14.95 per payment. Express delivery is one of many options available to deliver a payment to a
Payee and there may be alternate lower-fee or no-fee options available.
Early check presentment
If a payment is received by the Payee and presented to us for payment before your requested payment date, we
will be responsible for any fees and charges you incur as a result of not having sufficient funds due to a payment
being presented before your requested payment date. If you notice an item that has posted before the requested
payment date, please notify us immediately.
Unsuccessful payments
We will process your Payment Instructions in accordance with the overdraft protection plan (if any) you have in
place for your Payment Account. We will notify you if we are unable to complete your payment because of
insufficient funds in your Payment Account, or if the payment would exceed the credit or overdraft protection limit
of your Payment Account.
At our discretion, we may process your Payment Instructions and send funds to the Payee prior to successfully
debiting your Payment Account. If we complete such a transaction and are not able to debit your Payment Account,
you agree to the following:
• We may attempt to re-debit your Payment Account.
• You will reimburse us immediately upon demand the amount of the payment if we have already delivered the
payment to the Payee.
• If applicable, you will pay us insufficient fund fees or overdraft fees incurred from your debit return.
• We are authorized to report the facts concerning the return to any credit reporting agency.
Returned payments:
Payees may return payments for various reasons such as the Payee account number is not valid, the Payee is unable
to locate your account, or the Payee account is paid in full.
A payment may also be returned by the USPS for reasons such as the address provided is invalid, or the payee’s
forwarding address has expired.
For returned payments, we will work with you to correct the returned payment (and return it to your Payee), or we
will void the payment and credit your Payment Account.
Electronic bill presentment
You may import the payment information from select external billers to assist with setting up manual or automatic
Payment Schedules.
Activation: The biller reserves the right to accept or deny your request to receive electronic bills. The presentment
of your first electronic bill may vary from biller to biller and may take up to 60 days, depending on billing cycles.
Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the biller.
Authorization to obtain bill data: A biller may ask you to provide us with your username and password for that biller.
By doing so, you authorize us to use the information to obtain your bill data.
Information provided to the biller: We are unable to update or change your personal information on file with your
biller, so you must contact your biller directly to make such changes. We may, at the request of the biller, provide
to the biller your email address, service address, or other data specifically requested by the biller at the time of
requesting electronic bill presentment so that the biller can contact you to verify your request.
Notification: You will receive a notification in accordance with your contact preferences when a new bill has been
posted. In the event you do not receive a notification, it is still your responsibility to monitor your billers to ensure
the delivery of your bills. You are responsible for ensuring timely payment of all bills.
Cancellation: The biller reserves the right to cancel the presentment of electronic bills at any time. You may also
cancel electronic bill presentment at any time, but it may take up to 60 days, depending on the billing cycle of each

biller. If you cancel electronic bill presentment, it is your sole responsibility to arrange for an alternative form of bill
delivery. We will not be responsible for presenting any bills that are already in process at the time of cancellation.
Non-Delivery: You agree to hold us harmless if the biller fails to deliver your bill, and it is your sole responsibility to
notify your billers directly if you do not receive your electronic bills. Copies of previously delivered bills must be
requested from the biller directly.
Accuracy: We are not responsible for the accuracy of your bills, we are only responsible for presenting the
information we receive from the biller. Any discrepancies or disputes regarding the accuracy of your electronic bill
summary or detail must be addressed with the biller directly.
Limitations
Transaction limits: We reserve the right to limit the frequency and dollar amount of transactions from your Payment
Account(s) for security or regulatory reasons and to charge or limit access for payroll payments.
Payee restrictions: You can only pay Payees within the United States and U.S. Territories. We reserve the right to
refuse to pay Payees.
Your bill payments will not include your Payee's standard remittance slip. Some Payees may take more time to
process your payment if the remittance slip is not included, and some payments sent without the remittance slip
may be processed by your Payee at a different address. As a result, you should contact your Payees to determine
the proper address and amount of lead time for scheduling your payments
Account restrictions: Restricted accounts, including: court-ordered blocked accounts, accounts with administrative
holds, and accounts that require two or more signatures may not be designated as a Payment Account. If a Payment
Account later becomes a restricted account, you agree not to use that account to make payments and you agree to
notify us of the change.
Safe debit account: If your Payment Account is a Safe Debit Account you are subject to the following additional
limitations:
• You may only pay billers that accept electronic payments; these billers are identified within Digital Services.
• You may only schedule one-time payments using the standard delivery option (earliest pay date); pre-
authorized recurring or express payments may not be scheduled for a Safe Debit Account.
Please see the U.S. Bank Safe Debit Account Terms and Conditions and the Safe Debit Account Pricing and
Information Guide for more information related to your Safe Debit Account.
Features to help manage your money

Account aggregation services
Account aggregation services help you, and/or your financial advisor, to manage your finances by allowing you to
have a consolidated view of select account information from your accounts held at other financial institutions.
Account aggregation provided within digital services
Account aggregation provided within Digital Services is only available for select types of accounts. When using
account aggregation services, you are licensing to us and our Service Providers any information, data, passwords,
materials or other content (collectively, “Content”) provided through our account aggregation services. You agree
that we may use, modify, display, distribute and create new material using such Content to provide additional
financial services to you. You further agree that, without any particular time limit, and without the payment of any
fees, we may use the Content for the purposes set out above.
Linking accounts: By using account aggregation services you authorize us to access third party sites designated by
you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For
all purposes hereof, you hereby grant us a limited power of attorney, and you hereby appoint us as your true and
lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name,
place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve
information, and use your information, all as described above, with the full power and authority to do and perform
each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all

intents and purposes as you might or could do in person. You acknowledge and agree that when we access and
retrieve information from third party sites, we are acting as your agent and not the agent or on behalf of the
third party. You agree that third party account providers shall be entitled to rely on the foregoing authorization,
agency and power of attorney granted by you. You understand and agree that our account aggregation services
are not endorsed or sponsored by any third-party account providers accessible through the service.
No warranties: You expressly understand and agree that your use of account aggregation services and all
information, products and other content (including that of third parties) included in or accessible from our account
aggregation services is at your sole risk. Our account aggregation services are provided on an "as is" and "as
available" basis. We expressly disclaim all warranties of any kind as to the service and all information, products and
other content (including that of third parties) included in or accessible from our account aggregation services,
whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a
particular purpose and non-infringement.
We make no warranty that (I) our account aggregation services will meet your requirements, (II) the account
aggregation services will be uninterrupted, timely, secure, or error-free, (III) the results that may be obtained from
the use of our account aggregation services will be accurate or reliable, (IV) the quality of any products, services,
information, or other material purchased or obtained by you through account aggregation services will meet your
expectations, or (v) any errors in the technology will be corrected.
Indemnification: You agree to protect and fully compensate us and our affiliates from any and all third party claims,
liability, damages, expenses and costs (including, but not limited to, reasonable attorney’s fees) caused by or arising
from your use of any account aggregation service, your violation of these terms or your infringement, or
infringement by any other user of your account, of any intellectual property or other right of anyone.
Limitations: Some third-parties may limit (or block) account aggregation services. You are responsible for
understanding whether such limitations exist and how these limitations may impact your ability to link accounts
held with these third-parties. We are not liable for errors that may result from limitations imposed by third parties.
Third-party account aggregation services
Some companies offer financial management tools that allow you to access account information (including account
statements and tax documents) from a variety of sources so that you can view multiple accounts at a single online
location. These services may require you to provide personal identification information including specific account
information and your Log-in Credentials. By providing your Log-in Credentials to such a service you authorize that
service to access your account which may include the ability to initiate transfers to or from your account. Please use
caution when providing personal information and Log-in Credentials to third party service providers, and read and
understand the third-party’s privacy and security policies before sharing any personal information with the service.
Any use of a third-party site is at your own risk. If you elect to provide your Log-in Credentials or other
information about your accounts to a third party, you are responsible for the use of your account or the
disclosure of any personal information by the third party. Please see the section “privacy & security” in this
Agreement for more information on safeguarding your Log-in Credentials. Should you decide to revoke any
access you have given to a third party, you must contact us, in which case we may need to block your access
to Digital Services until we issue new Log-in Credentials.
Tools, calculators, and personal financial management software

Our Digital Services may contain financial tools or insights based on your account activity, which are provided for
educational purposes only. We do not guarantee the accuracy of the tools or information provided. We are not
responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use or reliance on the
information provided by any of the tools or insights.
You may download certain transactional data for use with other software tools and products created by parties that
we do not own or control, including personal financial management software. If you install or use such software,
you are responsible for obtaining any applicable license agreements. You assume all risks of any software that you
install, download, or use, and you understand that any information you enter into third party software may be
accessed by unauthorized third parties. If you use the third-party software to transmit information, you and the
third-party provider are responsible for the security and confidentiality of that information.

Features to help manage investment accounts
Access to additional account details
You may access additional account information related to your Wealth Management Account(s) through the
U.S. Bank Trust and Investments Online portal or the U.S. Bank Trust and Investments mobile app. The information
provided within any of these services is read only; transactions for your Wealth Management Account(s) must be
initiated and conducted through your account/relationship manager.
You may access additional account information related to your Brokerage Account(s) through the U.S. Bancorp
Investments Online portal or the U.S. Bancorp Investments mobile app.
The first time you access these additional features, you must read and accept a separate real-time quote
agreement. The real-time quote agreement is a supplement to this Agreement and provides additional terms and
conditions that govern use of market data and the various exchange networks.
Self-Directed Investors for brokerage accounts

You may initiate trades using U.S. Bancorp Investments Online or the U.S. Bancorp Investments mobile app. As a
self-directed investor, you are solely responsible for any and all transactions you initiate using Digital Services. All
orders entered are unsolicited and based on your own investment decisions or the investment decision of your duly
authorized representative. You understand that all investments involve risk, that losses may exceed the principal
invested, and that the past performance of a security, industry, sector, market, or financial product does not
guarantee future results or returns.
You also understand that the following roles and responsibilities apply to your Brokerage Account:
• We do not make discretionary investments on your behalf; all transactions will be initiated only on your order
or the order of your authorized delegate.
• We do not provide investment advice in connection with your Brokerage Account and do not offer any opinion
with respect to the suitability of any transaction, security, or order.
• We do not provide internally generated research, and that the availability of research reports through any of
our websites does not constitute a recommendation to enter in any of the securities transactions or to engage
in any of the investment strategies presented in such reports.
As a self-directed investor, you appoint U.S. Bancorp Investments as your agent and authorize
U.S. Bancorp Investments to take the following actions:
• Comply with your instructions and initiate transactions and transfers in accordance with the terms and
conditions of the Customer Agreement for your specific Brokerage Account.
• To open or close Brokerage Accounts, place and withdraw orders and take such other steps as are reasonable
to carry out your instructions.
• To act upon oral instructions based on the reasonable belief that such instruction was actually provided by you.
Brokerage account trades

Choice of exchange
You understand that we may execute your orders on any exchange or market unless you specifically instruct
otherwise.
Accessing an exchange
You may be able to access an exchange to initiate trades and understand that each participating national securities
exchange or association asserts a proprietary interest in all of the market data it furnishes to parties that
disseminate said data. You also understand that neither we nor any participating national securities exchange or
association nor any supplier of market data guarantees the timeliness, sequence, accuracy, completeness,
reliability or content of market information, or messages disseminated to or by any party. You understand that
neither we nor any participating national securities exchange or association nor any supplier of market data
warrants that the service will be uninterrupted or error-free.
Sell orders
Unless you expressly request to place an order as a “short” sale, and we grant that request, any order directing the
sale of property shall be deemed to be a “long” sale. You also warrant and represent that you are the owner of the
property that is the subject of such order and agree to deliver the property to us in negotiable form on or before the
settlement date. In the event that you fail to deliver the property by the close of business on the settlement date,
we are authorized, in our discretion and without notice to you, to i) delay settlement, ii) purchase comparable
property to cover your position, or iii) cancel the transaction. We may also charge any loss (including Interest),
commission and fees to your Brokerage Account.
Buy orders
For property that you direct us to purchase on your behalf, you agree to provide sufficient collected funds to cover
such purchase on or before the settlement date. In the event that you fail to provide sufficient funds, we are
authorized, in our discretion and without notice to you, to i) charge a reasonable rate of interest, ii) liquidate the
property subject of the buy order, or iii) sell other property owned by you and held in any Brokerage Account. We
may also charge any consequential loss to your Brokerage Account.
Distributions
In the event that you sell a security prior to its ex-dividend/distribution date, and you receive the related cash/stock
dividend or distribution in error, you direct us to act on your behalf to pay such dividend/distribution to the entitled
purchaser of the securities you sold. You guarantee to promptly reimburse us for said dividend or distribution.
Limitations
Restrictions on Trading: You understand that U.S. Bancorp Investments may, in its discretion, prohibit or restrict
the trading of securities, or the substitution of securities, in any of your Brokerage Accounts.
Extraordinary Events: You understand that U.S. Bancorp Investments shall not be liable for loss caused directly or
indirectly by government restrictions, exchange or market rulings, suspension of trading, war, strikes, natural
disasters or any other conditions or causes beyond U.S. Bancorp Investments’ control or anticipation, including, but
not limited to, delays in the transmission of orders due to breakdown or failure of transmission or communication
facilities. You agree to indemnify and hold U.S. Bancorp Investments harmless from any loss, damage or liability
arising out of any transaction in which it acts, directly or indirectly, as your agent, absent any willful or grossly
negligent conduct by U.S. Bancorp Investments.
Suspension or termination of access to investment accounts

We may suspend or terminate access to your Brokerage Account at any time and for any reason, without notice,
including but not limited to, if you close your Brokerage Account and you do not register a new Brokerage Account
The closing of a Brokerage Account will not affect the rights and/or obligations of either party incurred prior to the
date the Brokerage Account is closed.
Additional terms of use

Software license
You are hereby granted a personal limited license to download, install, and use the U.S. Bank,
U.S. Bancorp Investments, and U.S. Bank Trust and Investments mobile application(s) on your mobile device
(collectively referred to as “App(s)”).
This license shall be deemed revoked immediately upon any of the following:
• You terminate your enrollment in Digital Services in accordance with this Agreement.
• You delete the App(s) from your device.
• You fail to comply with this Agreement.
• We provide written notice to you at any time, with or without cause.
In the event this license is revoked for any of the foregoing reasons, you agree to promptly delete the App(s) from
your mobile device if you have not already done so.

This license does not amend or supersede any agreements you may have with your mobile service provider or device
manufacturer. You understand that those agreements may provide for fees, limitations, and other restrictions that
might impact your use of the App(s).
Help and assistance

In addition to our online FAQs, tips, and “Answer” resources, the CoBrowse and ScreenShare services allow you to
authorize us to view your screen along with you to provide real time assistance or troubleshoot issues you may be
experiencing on your device.
CoBrowse
CoBrowse enables us to view your active Digital Services session in a limited capacity to provide you with live on-
screen assistance while interacting with Digital Services. We will only be able to CoBrowse with you within Digital
Services and will not be able to view other applications on your device.
ScreenShare
ScreenShare enables us to view your active Digital Services session with expanded access to provide you with live
on-screen assistance while interacting with Digital Services. This expanded access will enable us to provide you with
real-time assistance to respond to and/or address your needs. We will be able to see any open applications that are
running on your device.
Ending the CoBrowse or ScreenShare Session
You may end your session at any time by clicking “End Session,” or by closing your web browser / App.
Automated chat
Some help and assistance features of Digital Services may use automated chat functionality. If you would like to
speak to a personal representative, please call us at a number at the end of the Agreement.
Fees
While there is no fee for most Digital Services, there may be a fee associated with some enhanced features of Digital
Services. These fees are described within Digital Services when you use such features. Fees may be changed at our
sole discretion, but you will receive notice of these changes in accordance with applicable law. You agree to pay all
such fees associated with Digital Services and authorize us to deduct the calculated amount from the account(s)
you have with us.
You are responsible for any and all other fees and charges that may be assessed by your wireless operator, internet
service provider, or any other third-party provider you may engage.
Other agreements
This Agreement is in addition to other agreements and disclosures that apply to your account(s). For example, when
you access your deposit account using Digital Services, the terms and conditions of your deposit account continue
to apply. If, however, there is a conflict between this Agreement and other account terms that specifically reference
Digital Services, this Agreement will control in resolving those inconsistencies.
Equipment
You are responsible for and must provide all mobile devices, computers, and/or other equipment, software (other
than any software provided by us), and services necessary to access Digital Services. You may need additional
software that is capable of opening PDF files (such as Adobe Acrobat) to view, print, and/or save electronic versions
of your documents.
Links to other internet sites and third-party services

Digital Services may contain links to other websites, merchandise, and services provided, owned or operated by
third parties; these links do not imply our endorsement or approval of material on any third-party website. The
linked websites are not under our control and we are not responsible for the availability, content, products, services,
advertising, or other materials available on the third-party websites. The privacy policies of third-party websites

may provide less security than our websites, so we strongly encourage you to read the third party's privacy policy
before sharing any information with that third party.
All matters concerning third-party websites, merchandise, and services provided or operated by third parties are
solely between you and the third party. We make no warranties or representations whatsoever with regard to any
third-party website, merchandise, or service and we are not responsible or liable to you for any damages, loses, or
injuries of any kind arising out of your use of any third-party website.
Intellectual property rights

All content connected with Digital Services is the exclusive intellectual property of us, our licensors, and/or
Service Providers and it is protected by copyrights and other intellectual property rights. You are permitted to use
content delivered to you through Digital Services only for your personal use. You may not copy, reproduce,
distribute, or create derivative works from this content. Further, you agree not to reverse-engineer or reverse-
compile any technology, including any software or other content associated with Digital Services.
The trademarks, logos, and service marks displayed in connection with Digital Services are the registered and
unregistered trademarks of us and/or our Service Providers. Under no circumstances may you use, copy, imitate,
alter, modify, or change these trademarks. Nothing contained on, in, or otherwise connected with these Digital
Services should be construed as granting (by implication or otherwise) any license or right to use any trademark
without the express written permission of us or the third party, which has rights to such trademark.
All messages, suggestions, ideas, notes, concepts, know-how, techniques, data, applications, mail, and other
information you may send to us through or regarding any of the Digital Services shall be considered an
uncompensated contribution of intellectual property to us and shall become our exclusive intellectual property. By
submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has
expressly granted) to us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce,
modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such
materials or incorporate such materials into any form, medium, or technology now known or later developed, and
you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have
the right to make these warranties and transfers of rights.
Accessing digital services from outside the United States

Digital Services may not be available in all countries, and you understand that the described products and services
are intended for customers located in the United States and U.S. Territories. You also understand that we are based
in the United States, and that all information and transactions available within Digital Services are reflected as U.S.
currency.
We do not make any representation that Digital Services are appropriate or available for use outside the United
States or U.S. Territories. You are prohibited from accessing Digital Services from territories where the use of any
Digital Service is illegal. If you choose to access Digital Services from locations outside the United States or U.S.
Territories, you do so at your own risk and you are responsible for compliance with local laws.
Export control
You acknowledge that your use of Digital Services is subject to the United States government export control laws
and regulations, which may restrict or prohibit the use, export, re-export, or transfer of Digital Services and any
associated software. You agree that you will not directly or indirectly use, export, re-export, or transfer any
Digital Services except in compliance with applicable U.S. export laws and regulations. Without limitation, you
agree that you will not use Digital Services in any embargoed or sanctioned country.
No illegal use
Digital Services are intended for customers that are 18 years old or older. You agree not to use Digital Services to
conduct any business or activity or solicit the performance of any activity prohibited by law or any contractual
provision by which you are bound. You agree to comply with all applicable laws, rules and regulations in connection
with Digital Services.

Changes in terms of use
We reserve the right to modify this Agreement at any time. You will receive notice in accordance with applicable
law when any changes are made that materially affect your rights. By accessing your account and continuing to
engage in Digital Services, you agree to the most recent version of this Agreement.
Delay or suspension of service

We reserve the right to refuse to process any transaction you initiate, and we may suspend your access to Digital
Services at any time, for any reason, and without notice. Reasons we may suspend or terminate your use of Digital
Services include: you close your account, suspicious account activity, or suspected abuse of terms outlined in this
Agreement. Until your account is reinstated for Digital Services, you will not be able to send and/or receive
payments using any of the Digital Services. If we terminate or suspend your use of Digital Services, we reserve the
right to make no further payments from your accounts, including any transactions you have previously authorized.
If you cancel your access to Digital Services, you authorize us to continue to honor the Payment Instructions you
have previously authorized until we have had a reasonable opportunity to act upon your cancellation notice. Once
we have acted upon your cancellation notice, we will make no further payments from your accounts, including any
payments you have previously authorized.
Without limiting any other provision of this Agreement, if we or any other Service Provider reasonably believes that
your conduct in using Digital Services constitutes a “Threatening Condition” (including but not limited to, violation
of this Agreement, violation of any applicable laws, rules, regulations, or industry standards, or otherwise poses a
threat to any system, equipment, process, intellectual property, or the reputation of us or any Service Provider, we
or any such Service Provider may provide you with a notice to cease the Threatening Condition. If, in the reasonable
and good faith determination of us or any Service Provider, the Threatening Condition poses an imminent or actual
threat (including regulatory investigation, inquiry or penalty) to us or any Service Provider or its systems,
equipment, processes, or intellectual property, you agree that we or any other Service Provider may suspend any
and all use of Digital Services without notice.
Term and termination

We reserve the right to add or eliminate Digital Services, and we may terminate all or part of this Agreement and
your use of any or all Digital Services for any reason and at any time with or without prior notice as the law requires.
You agree that you will immediately stop using Digital Services upon our request.
You may voluntarily terminate your access to Digital Services and withdraw your consent to this Agreement by
contacting us. If you terminate your access and/or withdraw your consent to this Agreement, you will no longer
have access to any of the Digital Services.
All applicable provisions of this Agreement shall survive termination by either you or us, including, without
limitation, provisions related to your liability, intellectual property, warranty disclaimers, limitations of liability, and
indemnification.
No warranties
Neither we, nor Service Providers, represents or warrants the accuracy, adequacy, completeness or timeliness of
Digital Services, or the error free use of Digital Services. All Digital Services are provided “as is” and “as available,”
without warranty of any kind, either express or implied, including, without limitation, the warranties of
merchantability, fitness for a particular purpose, non-infringement and freedom from a computer virus.
In the event of a system failure or interruption, your data may be lost or destroyed. You assume the risk of loss of
your data during any system failure or interruption and the responsibility to verify the accuracy and completeness
of any transactions so affected.
Limitation of liability; indemnification
With the exception of the protections offered under Regulation E, in no event will we or any Service Providers be
liable under any contract, tort, negligence, strict liability or other claim for any direct, indirect, incidental, special,
consequential or exemplary damages, including, without limitation, damages for loss of profits, goodwill, use, data,
or other intangible losses (even if advised of the possibility of such damages), whether caused by or resulting from
(1) the use or the inability to use any Digital Service; (2) any failure of performance, error, omission, interruption,
delay in operation or transmission, computer virus, loss of data, theft, destruction, or unauthorized access to your
information; (3) errors, inaccuracies, omissions, or other defects in information or content provided by, contained
within, or obtained through any Digital Service, or (4) any other failure, action, or omission.
You agree to indemnify, defend, and hold us and our Service Providers harmless from any and all third-party claims,
actions, liability, damages and/or costs (including but not limited to reasonable attorney’s fees) arising from (1) a
third-party claim, action or allegation of infringement, misuse or misappropriation based on information, data, files
or other materials submitted by you to or through any Digital Service; (2) any fraud, manipulation or other breach
of this Agreement by you; (3) any third-party claim, action or allegations brought against us arising out of or relating
to a dispute with you over the terms and conditions of an agreement or related to the purchase of sale of any goods
or services; (4) your violation of any law or rights of a third party; or (5) use of any Digital Service or use of your
account by any third party. We reserve the right, at our own expense, to assume the exclusive defense and control
of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting
any available defenses. You will not settle any action or claims on our behalf without our prior written consent.
Waiver
We will not be deemed to have waived any of our rights or remedies with regard to this Agreement unless our waiver
is in writing and signed by our authorized officer. No delay or omission on our part in exercising any rights or
remedies will operate as a waiver. A waiver on one occasion will not be construed as a bar or waiver of any rights or
remedies on future occasions.
Severability and headings

If any provision of this Agreement is held to be void or unenforceable in any jurisdiction, such ineffectiveness or
unenforceability shall not affect the validity or enforceability of such provision in any other jurisdiction or the
validity or enforceability of any other provision in that or any other jurisdiction.
The headings in this Agreement are for convenience or reference only and do not govern the interpretation of
provisions of the Agreement.
Assignment
You may not assign your obligations under this Agreement to any other party and we will not honor any such
assignment. We may assign this Agreement and you agree that we have the right to delegate to Service Providers
all of the rights and performance obligations that we have under this Agreement, and that the Service Providers
will be third-party beneficiaries of this Agreement and will be entitled to all the rights and protections that this
Agreement provides to us.
Complete agreement
This Agreement represents the sole and exclusive agreement between you and us regarding Digital Services and
merges and supersedes all previous and contemporaneous written or oral agreements and understandings
regarding the subject matter hereof. This Agreement is governed by all applicable Federal laws of the United States
of America and the laws of the State of Minnesota (without regard to any choice of law provisions thereof).
Definitions
The following definitions apply in this Agreement:
The words “we,” “our,” and “us” mean U.S. Bank National Association (“U.S. Bank”) and/or U.S. Bancorp
Investments, Inc. (“U.S. Bancorp Investments”), and respective affiliates, employees, successors, and assigns.
The words “you” and “your” mean each account owner and anyone else with access to the account to perform the
transactions or receive the services covered by this Agreement. If there is more than one owner, then these words
mean each account owner separately and all account owners jointly.
“Brokerage Account” means a U.S. Bancorp Investments account. U.S. Bancorp Investments is a federally
registered investment adviser, federally registered broker-dealer, and member of FINRA and SIPC. U.S. Bancorp
Investments is a subsidiary of U.S. Bancorp and an affiliate of U.S. Bank. Investment and Insurance products and
services including annuities are: Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not
Insured by any Federal Government Agency
“Business Account” means any account established for purposes other than personal, family, or household use.
For example, an account established by a sole proprietor, a corporation, a partnership, a limited liability company,
or any other business entity.
“Business Days” include Monday through Friday. The Federal Reserve Bank holidays are not Business Days.
“Consumer” means a natural person, and does not include a corporation, limited liability company, or other entity.
“Consumer Account” means any means a demand deposit (checking), savings, or other consumer asset account
(including Private Banking accounts) established primarily for personal, family, or household purposes.
“Check Image” means an electronic image of an original paper draft (check), payable on demand to you, and drawn
on (or payable through) an office of a United States bank.
“Electronic Deposit” means the package of information (including the Check Image, dollar amount information,
deposit account information, etc.) that is transmitted to us, allowing for the deposit, processing, and collection of
the item.
“External Account” means a Consumer or Business deposit account (i.e. checking or savings) held at a domestic
(United States) financial institution other than U.S. Bank.
“Log-in Credentials” means your personal ID, password, and any other unique biometric attribute (such as facial
recognition or fingerprint) used to access Digital Services.
“Payment Account” means an account from which the payments you initiate will be debited, or to which payments
and credits to you will be credited. Not all accounts are eligible to be designated as a Payment Account; eligible
accounts will be displayed within the user interface.
“Payment Instruction” means the information provided by you for a payment to be initiated to a Recipient or
Payee (such as the amount of the payment, the date of the payment, the recipient’s or biller’s name, address,
mobile telephone number, email address, or bank account and routing number).
“Payment Schedule” means the pre-authorized payments that you schedule to occur on a specific date or a
recurring set of dates.
“Recipient” or “Payee” means a person or business entity that receives a payment through Digital Services.
“Sender” means a person or business entity that sends a payment through Digital Services.
“Service Providers” means any processor or other third party that we have engaged to provide remittance
capabilities, equipment, or other services in connection with Digital Services. This includes any agent, independent
contractor, or subcontractor of any of the foregoing.
“Wealth Management Account” means any U.S. Bank agency, custody, trust or IRA account that is eligible for
digital access for Ascent Private Capital Management, Private Wealth Management, or Wealth Management
customers.
Contact us
You may contact us through Digital Services, at a branch, or by contacting us as described below. Keep in mind that
we may not immediately receive electronic messages you send, and we will not take action based on your electronic
message until we actually receive it and have a reasonable time to act. If you need immediate assistance, or you
would like to report an unauthorized transaction, please call us.
U.S. Bank 24-Hour Banking 800-872-2657
TDD 800-685-5065
Business Service Center 800-673.3555
Monday – Saturday 7 a.m. to 9 p.m. Central
TDD 800-685-5065
Outside the United States 503-401-9992
Wealth Management Contact your account/relationship manager
Call immediately to report unauthorized transactions.

Fraud Liaison Center 877-595-6256
TDD 800-685-5065
In writing at: U.S. Bank 24-Hour Banking
EP-MN-WS5D
60 Livingston Ave.
St. Paul, MN 55107

Digital Services Agreement: Welcome

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Digital Services Agreement

Privacy & security

Protecting your log-in credentials

Unauthorized transactions & errors

Digital Services Agreement – May 2020 - 1

Reporting unauthorized transactions

Managing your contact information

Receiving text messages and other communications

Digital Services Agreement – May 2020 - 3

Monitoring and recording communications

Mobile Location Confirmation

Features to help manage your accounts

Virtual assistant balance request

Digital Services Agreement – May 2020 - 5

Statements and notices

Digital Services Agreement – May 2020 - 7

Digital Services Agreement – May 2020 - 8

Digital Services Agreement – May 2020 - 10

Mobile check deposit

Digital Services Agreement – May 2020 - 11

Digital Services Agreement – May 2020 - 12

Digital Services Agreement – May 2020 - 13

Digital Services Agreement – May 2020 - 16

Digital Services Agreement – May 2020 - 18

Features to help manage your money

Digital Services Agreement – May 2020 - 19

Tools, calculators, and personal financial management software

Digital Services Agreement – May 2020 - 20

Self-Directed Investors for brokerage accounts

Brokerage account trades

Suspension or termination of access to investment accounts

Additional terms of use

Digital Services Agreement – May 2020 - 22

Help and assistance

Links to other internet sites and third-party services

Digital Services Agreement – May 2020 - 23

Intellectual property rights

Accessing digital services from outside the United States

Digital Services Agreement – May 2020 - 24

Delay or suspension of service

Term and termination

Severability and headings

Call immediately to report unauthorized transactions.

Digital Services Agreement – May 2020 - 28

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