How Paxnova Trust operates, in writing.

These Online Wire Transfer Terms (the “Terms”) form a binding agreement between you and Paxnova Trust Bank, N.A. (“Paxnova Trust,” “we,” “us,” or “our”) and govern every domestic U.S. wire transfer (each, a “Wire”) that you initiate through Paxnova Trust's websites, mobile apps, or any other electronic channel we may make available. International wires and any wire denominated in or settled in a non-U.S. currency are governed instead by the Paxnova Trust Global Transfer Services Agreement.

These Terms supplement — and where there is a direct conflict, control — the broader Deposit Account Agreement and Electronic Fund Transfer Agreement that apply to your account, but only with respect to Wires.

• “Beneficiary”— the person or entity who receives the Wire.
• “Beneficiary Bank”— the financial institution where the Beneficiary holds an account.
• “Business Day”— Monday through Friday excluding U.S. federal banking holidays.
• “Fedwire”— the real-time gross-settlement service operated by the Federal Reserve Banks used for most domestic Wires.
• “Funds Transfer”— the series of transactions, beginning with your Payment Order, that moves money to the Beneficiary, as defined in UCC § 4A-104.
• “Payment Order”— the instruction you give us to make a Wire.
• “Security Procedure”— the combination of credentials, multi-factor authentication, transaction codes (TCV), and behavioral signals we use to verify the authenticity of a Payment Order.

You must be a current Paxnova Trust personal or business customer in good standing to initiate a Wire online. Some accounts (for example, certain custodial or fiduciary accounts) are not eligible for self-service wires. We may decline to enroll an account, or unenroll an account at any time, in our sole discretion, including if doing so would conflict with applicable law, our risk policies, or any sanctions program administered by the U.S. Treasury's Office of Foreign Assets Control (OFAC).

A Payment Order is authorized when it is sent through your authenticated session and validated by our Security Procedure. By submitting a Payment Order you agree that:

• The Security Procedure is commercially reasonable in light of the size of your account, your transaction history, and industry practice for similarly-situated customers.
• We may treat any Payment Order received through your authenticated session as authorized by you, even if it was actually sent by someone else who obtained access to your credentials, biometric factor, or one-time code.
• You will not share your credentials, biometric factor, or one-time codes with anyone — including someone claiming to be from Paxnova Trust.
• For Wires that exceed risk thresholds we set from time to time, we may require a call-back to a phone number on file before releasing the Wire.

Domestic Wires are processed over the Fedwire system. The cutoff for same-day processing is 5:00 p.m. Eastern Time on each Business Day, subject to internal risk review. Payment Orders received after cutoff, on weekends, or on U.S. federal banking holidays are queued and processed on the next Business Day.

The Wire fee in effect at the time you submit a Payment Order is disclosed on the review screen before you confirm. As of the effective date above, our standard fees are:

• Outgoing domestic Wire: $15 (waived for Reserve Private Banking and Business Operating accounts)
• Incoming domestic Wire: $0
• Investigation / amendment / recall request: $30 per request
• Returned Wire: no additional fee beyond what the receiving institution may impose

Fees are debited from the same account that funded the Wire. We may change our fees with at least 30 days' advance notice (or such other period as applicable law may require). Fees in effect for a Wire are those displayed at the time you confirmed the Payment Order.

Your default outgoing-wire limit is $100,000 per Business Day across all of your eligible accounts, including any joint or business accounts on which you are a signer. Higher limits are available on request and subject to underwriting. We may, in our sole discretion and without notice:

• Decline a Payment Order, place it on hold, or break it into multiple sequential transfers based on risk signals.
• Require additional verification (call-back, in-person, or document-based) for any Wire.
• Lower or suspend your limits if we detect unusual activity or are unable to verify the Beneficiary.
• Refuse to process any Wire that we reasonably believe may violate the Bank Secrecy Act, the USA PATRIOT Act, OFAC sanctions, or any other applicable law.

Once we have submitted a Wire to Fedwire, we cannot unilaterally recall it. We will, on your written request, send a recall message to the Beneficiary Bank under SWIFT MT 192 or the equivalent Fedwire reversal request. The Beneficiary Bank is not obligatedto return the funds — the decision lies with the Beneficiary and applicable law of the Beneficiary's jurisdiction. You agree to pay the investigation fee whether or not the recall is successful.

You may cancel a Payment Order that has not yet been released to Fedwire by contacting us before the cutoff. Payment Orders scheduled for a future Business Day may be cancelled before midnight on the Business Day preceding the wire date.

Funds Transfers initiated under these Terms are governed by Article 4A of the Uniform Commercial Code, as adopted by the State of New York (“UCC § 4A”). Under UCC § 4A:

• If a Payment Order identifies the Beneficiary by both name and account number and the two do not match, the Beneficiary Bank may rely solely on the account number to credit the Wire. You bear the loss if the account number was incorrect.
• If we accept your Payment Order and fail to execute it correctly, our liability is limited to actually-incurred losses and interest at the federal funds rate. We are NOT liable for consequential, indirect, special, or punitive damages — including lost business or lost profit — unless we expressly agreed in a signed writing.
• If we delay or fail to execute, your remedy under UCC § 4A is generally to receive interest on the delayed amount.
• Your right to recover for any Wire is subject to the one-year notice rule (see Section 11 below).

If you provide an incorrect Beneficiary account number, the wrong Beneficiary name, or both, you authorize us to debit your account for the amount of the Wire and to use commercially reasonable efforts to recover the funds. You agree to reimburse us for any amount we are unable to recover, together with any fees we incur attempting recovery. Duplicate Payment Orders (the same Payment Order submitted twice) are processed as separate Wires unless our systems flag them; you remain responsible for both Wires unless we successfully recall one.

You must report any unauthorized Wire or any error in connection with a Wire within one (1) year after we send the statement or transmittal that reflects the Wire. If you do not give us notice within that one-year period, you waive any right to a refund and you will not be entitled to compensation under UCC § 4A-505 or otherwise. We strongly encourage same-day reporting of any suspected unauthorized activity to maximize the chance of recovery.

To report an unauthorized Wire, call 1-800-PAXNOVA-1 immediately. We are staffed 24 hours a day, every day of the year.

For Wires above $25,000 to a Beneficiary you have not previously paid, and for any Wire that triggers our risk model, we may place the Wire on hold and call you at a phone number on file to verbally confirm the Payment Order. We will never ask for your password, one-time code, or PIN during a call-back. If we cannot reach you, we will hold the Wire until you reach us. Wires not confirmed within five Business Days are voided and the funds returned to your account, less any third-party investigation fees actually incurred.

A confirmation of each Wire is delivered immediately to your inbox and to the secure-message center inside the app. Wires are included on your monthly account statement. The Federal Reserve and Paxnova Trust retain records of every Wire for the periods required by the Bank Secrecy Act — generally five years. You agree that an electronic record of a Wire constitutes prima facie evidence of the transaction.

You agree to:

• Verify the Beneficiary's name, account number, and bank routing number before submitting each Payment Order — we do not validate name/account agreement.
• Keep your credentials, biometric factor, and recovery codes confidential.
• Maintain reasonable security on the devices you use to bank with us, including current operating-system updates and reputable malware protection.
• Promptly review every Wire confirmation and statement we send and report any concerns.
• Notify us immediately if you suspect any device or credential has been compromised.

We may suspend or terminate your access to the Online Wire Transfer service at any time, with or without cause, in accordance with applicable law. Suspension or termination of online wire access does not affect your rights or obligations with respect to Wires we accepted before the suspension or termination.

We may amend these Terms from time to time. Material changes will be posted on this page and, where required by law, sent to your designated electronic address with at least 30 days' advance notice. Your continued use of the Online Wire Transfer service after the amendment becomes effective constitutes acceptance.

These Terms are governed by the federal laws of the United States and, to the extent not preempted, by the laws of the State of New York — specifically including UCC Article 4A — without regard to conflict-of-laws principles. Any action arising out of or relating to these Terms or any Wire shall be brought in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of those courts.

Paxnova Trust Bank, N.A.
Attn: Wire Services Operations
1000 N Point St, San Francisco, CA 94109
Phone: 1-800-PAXNOVA-1 (24/7)
Email: wires@paxnovatrust.com