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ALLY BANK ONLINE BANKING SERVICES AGREEMENTVersion 25.0, November, 29, 2021This Ally Bank Online Banking Services Agreement, as amended from time to time, (“Agreement”) governsyour use of and access to Ally Bank’s Online Banking Services. Please read and download, save, and/or printa copy for your records. If you have any questions, you can speak directly with Customer Care by calling 877247-2559, 24 hours a day, 7 days a week, or visit www.ally.com.Please read this Agreement carefully. This Agreement includes, among other things:I.Overview of the Agreement, including definitionsII. A description of Online Banking ServicesIII. Ally Bank Mobile Services AgreementIV. Electronic Fund Transfers Disclosure and Terms and ConditionsV. Prohibited uses of Online Banking ServicesVI. Ally Bank’s limitations on liability for Online Banking ServicesVII. Certain other terms and conditionsTABLE OF CONTENTSDefinitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3I. Overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4A. WHAT’S PART OF THIS AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4B. CONFLICTS BETWEEN AGREEMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4C. ACCEPTING THE AGREEMENT AND FUTURE CHANGES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5D. AUTHORIZED ACCOUNT OWNERS AND JOINT OWNERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5II. Ally Bank Online Banking Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5A. OVERVIEW. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5B. ONLINE BANKING SERVICES FOR ELIGIBLE ACCOUNTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6C. ACCESS TO ONLINE BANKING SERVICES AND YOUR OBLIGATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7D. ALLY ECHECK DEPOSITSM AGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7E. ZELLE AND OTHER PAYMENT SERVICES ADDITIONAL TERMS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11F. BILL PAY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28G. PAYMENT SERVICES SHARED TERMS (ZELLE AND OTHER PAYMENT SERVICES AND BILL PAY) . . . . . . . . . . . 35H. ONLINE BANKING ALERTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38I. ACCOUNT AGGREGATION SERVICE TERMS OF USE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39J. ONLINE SAVINGS ACCOUNT BUCKETS AND BOOSTERS TERMS OF USE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41K. TEXT MESSAGES, CALLS AND/OR EMAILS TO YOU. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43L. EQUIPMENT AND SOFTWARE REQUIREMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43

III. Ally Bank Mobile Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43A. OVERVIEW. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43B. DEFINITIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43C. EQUIPMENT AND RELATED OBLIGATIONS; UPGRADES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44D. ACCESS TO MOBILE SERVICES; LOST OR STOLEN DEVICES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44E. SOFTWARE AND MOBILE SERVICES LIMITATIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45F. FEES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45G. SOFTWARE USE; GRANT OF LICENSE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45H. OWNERSHIP OF SOFTWARE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46I. ALLY CARD CONTROLSSM. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46J. ATM AND CASH BACK LOCATOR; LOCATION-BASED DATA. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47K. PRIVACY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47L. APPLICABILITY OF OTHER PROVISIONS; LIMITATION OF LIABILITY; NO WARRANTIES; TERMINATION . . . . . . . 47IV. Electronic Fund Transfers Disclosure and Terms and Conditions. . . . . . . . . . . . . . . . . . . . . 47A. TYPES OF ELECTRONIC FUND TRANSFERS AVAILABLE ONLINE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47B. TRANSFER AVAILABILITY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48C. LIABILITY FOR UNAUTHORIZED TRANSFERS FROM YOUR ACCOUNT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48D. LIMITATIONS ON TRANSFERS, AMOUNTS, AND FREQUENCY OF TRANSACTIONS. . . . . . . . . . . . . . . . . . . . . . . 48E. FEES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48F. RIGHT TO RECEIVE DOCUMENTATION OF ELECTRONIC FUND TRANSFERS. . . . . . . . . . . . . . . . . . . . . . . . . . . . 48G. RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND PROCEDURE FOR DOING SO. . . . . . . . . . 49H. LIABILITY FOR FAILURE TO STOP PAYMENTS OF TRANSFERS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49I. LIABILITY FOR FAILURE TO MAKE TRANSFERS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49J. NOTICE OF VARYING AMOUNTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49K. DISCLOSURE OF ACCOUNT INFORMATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49L. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS. . . . . . . . . . . . . . . . . . . . . . . . . 50M. BANK CONTACTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51V. Prohibited Uses of the Online Banking Services. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51VI. Limitation of Ally Bank’s Liability. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51A. FAILURE TO COMPLETE A TRANSACTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51B. AGGREGATION SERVICES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51C. ALTERNATE METHODS FOR ACCESSING ACCOUNT INFORMATION AND SERVICES . . . . . . . . . . . . . . . . . . . . . 52D. NO WARRANTIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52E. LIMITATION ON LIABILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52VII.Other Terms and Conditions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53A. SERVICE CHARGES. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53B. OTHER FEES AND CHARGES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53C. SERVICE HOURS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53D. TERMINATION OF ONLINE BANKING SERVICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53

E. SECURE EMAIL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53F. CONTACT BY ALLY BANK OR AFFILIATED PARTIES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54G. MAKING INQUIRIES ON BILL PAYMENTS, TRANSFERS AND OTHER ONLINE BANKING SERVICES . . . . . . . . . . 54H. NOTICES AND COMMUNICATIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54I. PRIVACY AND DATA SECURITY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54J. ASSIGNMENT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54K. NO WAIVER. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54L. GOVERNING LAW . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55M. RULES OF INTERPRETATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55N. CONSENT TO USE OF TECHNICAL DATA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55O. INDEMNIFICATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55P. EXPORT CONTROLS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55Q. OWNERSHIP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55R. USER CONDUCT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56DefinitionsIn this Agreement, the words: “ACH Network” means the funds transfer system, governed by the NACHA Rules, that provides fundstransfer services to participating financial institutions.“Authorized Account Owner” means Primary Owner or Joint Owner, as applicable.“Account” means Interest Checking Account, Money Market Account (“MMA”), Online Savings Account,Certificate of Deposit (“CD”), Individual Retirement Account (“IRA”) Certificates of Deposit, IRA OnlineSavings Account, and CMG NOW Account offered by Ally Bank.“Ally Bank,” “we,” “us” and “our” mean Ally Bank and any of its affiliates or direct or indirectsubsidiaries.“Aggregation Service” means an online account aggregation or personal financial management servicethat retrieves, consolidates, organizes, and presents your accounts for the purpose of allowing you toview your accounts with an Aggregator in a single location. An Aggregation Service does not include apersonal financial management and account aggregation feature or service that we may offer throughOnline or Mobile Banking.“Aggregator” means a Third Party who provides an Aggregation Service. An Aggregator does notinclude a Third-Party that we retain to assist us in providing a personal financial management oraccount aggregate feature that we may offer through Online or Mobile Banking.“Business Days” are Monday through Friday. Saturdays, Sundays and federal holidays are notincluded.“Consumer” means a natural person who has an Eligible Account for which an Online Banking Serviceis requested primarily for personal, family, or household purposes.“Due Date” means the date on which a payment becomes due to a Payee.“Eligible Account” means an Account that is eligible for a particular Online Banking Service.“Joint Account” is an Account owned by two or more individuals.“Joint Owner” means an individual that is an Owner of an Eligible Account with the Primary Owner.“Online Banking Services” means our online banking services available for certain Eligible Accounts

that can be accessed at www.ally.com or accessed through our mobile and tablet applications. We mayadd, remove, change, or revise our Online Banking Services offered from time to time. Products andservices offered by Ally Financial, Inc. or other affiliates of Ally Bank are not Online Banking Servicessubject to this Agreement.“Owner” means each person who is a named owner of an Eligible Account as indicated in our records.“Payee” means an individual or entity to whom or which you make payment through the Online BankingServices or the individual or entity from which you receive eBills.“Primary Owner” is the individual Owner who is listed first on the Eligible Account in our records.“Scheduled Delivery Date” means the date a payment is scheduled to be delivered to a Payee.“Text” means a short electronic message sent and received between two or more mobile phones,“Vendor” means any third-party service provider we may engage to perform functions for us under thisAgreement.“Website” refers to the Ally Bank website, www.ally.com, through which the Online Banking Services aremade available.“You” and “your” means, as applicable, each Authorized Account Owner (including any Owner) of anAccount.Other capitalized terms are defined throughout the Agreement.I. OverviewA. What’s Part of This AgreementOnline Banking Services allow you to access and manage your accounts with us online through asupported browser, mobile application, or other hardware and software. See Section II (M) of thisAgreement for information about equipment and software requirements.Certain Online Banking Services are also available as Mobile Services. Please review Section III, AllyBank Mobile Services Agreement, for information specifically applicable to Mobile Services.Access to and use of Online Banking Services is subject to this Agreement and also to the following, whichare considered part of this Agreement as applicable to your Eligible Account(s): Terms or instructions appearing on a computer or mobile device screen when enrolling for, activating,accessing, or using any Online Banking Service; andAlly Bank’s rules, procedures and policies, as amended from time to time, that apply to the OnlineBanking Service or any Eligible Account; andDebit Card Agreement and Disclosure; andAlly Bank Deposit Agreement orCMG Deposit AgreementB. Conflicts between AgreementsIf this Agreement conflicts with any other agreements related to your Eligible Account or Online BankingService, or the other agreements include terms that are not addressed in this Agreement, then the otheragreements will control and take precedence, unless this Agreement specifically states otherwise. Theother agreements will only control with respect to the Eligible Account or Online Banking Service withwhich it is associated, and only to the extent necessary to resolve the conflict or inconsistency. Additional

provisions of other agreements regarding your Eligible Account or Online Banking Service that do notappear in this Agreement will continue to apply.C. Accepting the Agreement and Future ChangesExcept as otherwise required by law, we may in our sole discretion change the terms of this Agreementfrom time to time and at any time. This may include adding new or different terms, or removing terms fromthis Agreement. When changes are made we will update this Agreement on the Website. The Websitewill be updated on or before the effective date of the revised Agreement, unless an immediate change isnecessary as required by law or to maintain the security of the Website or for other legal reasons. Youwill be notified if we revise, modify or otherwise update this Agreement. Your use of any of the OnlineBanking Services after the effective date of the new version of this Agreement will constitute youracceptance of the new version of this Agreement.D. Authorized Account Owners and Joint OwnersIf an Eligible Account is owned by more than one person, each such person individually has the right toprovide us with instructions, make any decision, obtain any information or make any request associatedwith the Eligible Account and related Online Banking Services, to the extent allowed by the terms,conditions or governing provisions of the Eligible Account. We may rely and act on the instructions of anyAuthorized Account Owner. If we provide notice to one Joint Owner, all Joint Owners are deemed to havereceived notice. Access to certain Online Banking Services may require Joint Owners to have a uniqueusername, password and other security devices or credentials that may be required by us.Additional Joint AccountsAny Joint Owner (for purposes of this paragraph, the “Primary Joint Owner”) may open a new Joint Accountwith another Joint Owner (for purposes of this paragraph, the “Secondary Joint Owner”) with whom thePrimary Joint Owner already owns an existing Joint Account (as of the date of such new Joint Accountopening). The Primary Joint Owner is specifically permitted to open the new Joint Account on behalf of theSecondary Joint Owner, without their direct involvement. All Joint Owners acknowledge and agree that thisis permissible under this Agreement, and they specifically agree that a Primary Joint Owner may performall acts necessary for Joint Account opening, including consenting to receipt of all Account information,notices, and legal disclosures electronically, on behalf of the Secondary Joint Owner.II. Ally Bank Online Banking ServicesSubject to the terms of this Agreement, you may use the Online Banking Services to access, use, andmanage your Eligible Accounts. The types of Online Banking Services are described generally in thisAgreement and more fully on our Website and may change from time to time, at our sole option. You agreeand understand that you are solely responsible for acquiring and maintaining a computer or other electronicdevice that can access the Online Banking Services and that you are responsible for all costs associatedwith same. Not all transactions and services are available for all products.A. OverviewTransactions Open and fund additional Eligible Account(s) onlineElectronically deposit checks into your Ally eCheck Deposit Eligible Accounts online (“eCheck Deposit”)

View Eligible Account balance(s) and transactionsTransfer funds between Eligible AccountsTransfer funds to or from accounts at other financial institutionsUse person-to-person payment service to: Transfer funds to individuals Request and receive funds from individualsUse Bill Pay services to: Receive bills from participating Payees (“eBills”) Make payments to PayeesRequest a Wire TransferSet CD Renewal InstructionsServices Receive Eligible Account statementsReceive Online Banking AlertsRequest CD interest rate increases (“Raise Your Rate CDs”)Request CD Early RedemptionsChange CD Interest Disbursement SettingsCancel or stop payment on certain debit transactionsElectronically dispute transactionsSend communications to usRequest IRA distributionAdd and manage beneficiariesOrder checks and deposit slipsExchange Secure Email messages or chat with our Customer Care departmentUpdate your profile informationManage security settings on your Eligible AccountsOther Online Banking Services as they become availableB. Online Banking Services for Eligible AccountsBelow is a summary of the Online Banking Services that are available for each type of Account subject tothis Agreement. Please note that not all Online Banking Services are available for each type of Account.Certain Online Banking Services are also available as Mobile Services. Please review Section III, AllyBank Mobile Services Agreement, for information specifically applicable to Mobile Services.Table Showing Online BankingServices for Eligible sIRACMGNOWOnline & Mobile Banking YES YES YES YES YES YESView Statements/Notices YES YES YES YES YES YESSecure Email YES YES YES YES YES YESAlerts YES YES YES YES YES YESOnline Chat YES YES YES YES YES YES

Table Showing Online BankingServices for Eligible sIRACMGNOWManage Beneficiaries YES YES YES YES YES YESStop Payment (Checks) YESNO YESNONO YES YESFundingNew CDsonlyNO YESNO YESInternal Transfers YES YESExternal Transfers YES YES YESFundingNew CDsonlyPerson-to-Person Payments(Zelle ) YES YES YESNONO YESBill Pay YESNONONONO YESNO YESAlly eCheck DepositSM YES YES YESFundingNew CDs& addingfundsduringgraceperiodRequest IRA DistributionNONONONO YESNOManage CD Interest, Renewalsand RedemptionsNONONO YESNONORequest Wire Transfer YES YES YESNONO YESOnline Disputes YES YES YESNONONOC. Access to Online Banking Services and Your ObligationsYou may access your Eligible Accounts through our Website. In order to do so you must have a username,a password and any other security devices or credentials we may require from time to time along with therequired hardware and software as described in this Agreement or on the Website. You must comply withany security procedures and policies we may establish from time to time. Authorized Transactions: You agree to safeguard your username, password, other security devices orcredentials and your Account number(s). If you give someone your Online Banking Service username,password and/or other security devices or credentials, you are authorizing that person to use theOnline Banking Service in your name, and you are responsible for all transactions the person performsusing your Online Banking Service username, password and other security devices or credentials. Alltransactions performed by that person, even those transactions you did not intend or want performed,are authorized transactions.Log Out: For your protection, log out after every Online Banking Service session and close yourbrowser to ensure confidentiality.System Maintenance: At certain times, online access to some or all of your Eligible Accounts may notbe available due to system maintenance or circumstances beyond our control. Our Customer Careassociates may be contacted 24 hours a day, 7 days a week at 877-247-2559.D. Ally eCheck DepositSM AgreementAlly eCheck Deposit allows you to make deposits to your Ally deposit account remotely by making imagesof checks and transmitting images of such checks to us in compliance with our requirements. If we accept

the image for deposit, we will then present the item for payment to the payor bank by presenting the imageor converting the image to a substitute check. Unlike traditional check deposits, you retain the originalpaper check when you use eCheck Deposit. The manner in which these substitute checks or images arepresented for payment will be determined by us in our sole discretion.1. Eligibility for eCheck DepositWe will determine whether you are eligible for our eCheck Deposit service in our sole discretion. Wemay suspend or terminate your use of eCheck Deposit at any time and without prior notice to you. Ifyou violate the terms of this eCheck Deposit Agreement, then we also may use such actions as a basisto terminate your account relationship with us.2. eCheck Deposit FeesThere is no charge for eCheck Deposit, but other fees, such as for returned deposit items, may apply.See our Service Fee Chart in the Ally Bank Deposit Agreement.3. LimitsWe may impose limits on the dollar amount or number of deposits you make through eCheck Depositand such limits shall be provided to you when you access eCheck Deposit. We may change such limitsat any time at our discretion.4. Technical RequirementsYou agree that in order to use eCheck Deposit, your computer, scanner, mobile device and otherequipment must meet the current technical requirements we specify, as such may change from timeto time, and you must have access to the internet. When using eCheck Deposit you may experiencetechnical or other difficulties, including, without limitation, problems with your scanner or transmissionproblems. We are not responsible for the result of such technical or other difficulties. In particular,each image of a check you attempt to deposit using eCheck Deposit must be legible, as determinedby us. If your scanning equipment or mobile device produces check images that we determine arenot of acceptable quality, we may reject your deposit. We are not responsible for problems arising outof your equipment or internet connections even if you are using equipment that meets our technicalrequirements.5. Prohibited ChecksWe may decline to accept any image of a check you submit through eCheck Deposit in our solediscretion. Without limiting that discretion, you agree that you will only seek to deposit “checks,” as thatterm is defined in the Federal Reserve’s Regulation CC, 12 C.F.R. Part 229. You agree that you will notscan and attempt to deposit any of the following:1. Checks containing alterations to any of the fields on the front of the check;2. Checks that have been previously deposited at another institution via physical item, image or electronicfunds transfer;3. Checks from financial institutions located outside of the U.S.;4. Checks that are not payable in U.S. dollars;5. Substitute checks (as defined in the Federal Reserve’s Regulation CC, 12 C.F.R. Part 229);6. Travelers checks, savings bonds, money orders or postal money orders;

7. Non-negotiable instruments.6. Your Representations and WarrantiesEach time you scan or photograph and submit check images of the front and back of the original checkfor deposit through eCheck Deposit, you represent and warrant that:1. Each check image is a complete and accurate representation of the front and back of a negotiable check;2. The image is NOT of any of the prohibited items listed in Section 5 above;3. Each check image satisfies our image quality standards, as specified by us from time to time;4. The original check used to create the image has not been previously deposited, cashed, duplicated orused to create another image or electronic fund transfer; and5. The original check or an image created from the original check will not in the future be deposited, cashed,duplicated or otherwise used to create another image or electronic fund transfer.6. No subsequent transferees of your check image, or any substitute check created from your check image,including but not limited to Ally, a collecting or returning bank, drawer, drawee, payee or endorser, shallsustain a loss as the result of the fact that the check image or substitute check was presented for payment or returned instead of the original paper check.Each time you scan or photograph and submit check images for deposit through eCheck Deposit, youalso make all the warranties set forth in and subject to the terms of Section 70A-4-207 of the UtahRevised Code Uniform Commercial Code (UCC) for the image as if it were an item subject to the termsof the UCC, including:a. you are entitled to enforce the image;b. all signatures on the image are authentic and authorized;c. the image has not been altered;d. the image is not subject to a defense or claim in recoupment of any party which can be assertedagainst you;e. you have no knowledge of any insolvency proceeding commenced with respect to the maker oracceptor or, in the case of an unaccepted image, the drawer. In addition to these warranties, youcovenant that you will comply with this eCheck Deposit Agreement and applicable law.7. IndemnificationIn addition to the other indemnification provisions set forth in this Agreement, you agree to indemnify,defend and hold us harmless from and against any and all claims, demands, damages, liabilities,expenses (including reasonable attorneys’ fees) or other loss that arises from or relates to your useof eCheck Deposit or your breach of the representations, warranties or covenants set forth in

II. Ally Bank Online Banking Services Subject to the terms of this Agreement, you may use the Online Banking Services to access, use, and manage your Eligible Accounts. The types of Online Banking Services are described generally in this Agreement and more fully on our Website and ma