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Agreement with Banks

You can always send STOP to 692632 to stop sms text notifications that you have enabled on the alert settings pages. Alerts sent to your primary email address are not affected by this action. To restore text alerts, go to the Alert Settings pages and re-enable alerts. If you need help with SMS notifications, send the word HELP to 692632. You acknowledge and agree that, although we normally provide a notice of refusal of deposit, we may, in our sole discretion, refuse any cheque transferred through the Service without notice, and we will not be responsible for any such refusal or failure to notify you of such refusal. If we refuse a cheque for remote deposit, you may need to physically deposit the original cheque. You may not use the Service to deposit a replacement cheque, and you may not deposit the original cheque through the Service or otherwise if you receive a dishonored cheque. You agree to comply with any additional instructions we provide to you in connection with returned cheques. a) Any image of a cheque that you submit to us is a true and accurate representation of the front and back of the original cheque without any modification, and the cheque drawer has no defence against payment of the cheque. If you receive a payment from a business or government agency, your payment will be made both in accordance with this Agreement and the procedures of the company or government agency sending you the payment. The number of transfers from a savings account is limited as described in your applicable bank account agreement and the account details incorporated by reference into this agreement.

With respect to transferring funds from an account where we have held all or part of the balance or where part or all of the balance is not otherwise available for withdrawal, you may not transfer the portion of the money held or otherwise unavailable until the balance has expired and the funds are available for withdrawal. In the event that a debit to your account or any part of these fees has failed and the credit page of such transaction has been released and cannot be recovered, and we are unable to debit the account debited or credited as described above, we reserve the right, and you hereby authorize us to: debit one of your other accounts to the extent necessary to compensate for any resulting defect. We will not notify you in such a case unless we post such a transfer or transfers to the relevant account(s) in accordance with this Agreement (see “Documentation” below). If you ask us to stop paying for a pre-authorized transfer from a consumer account in accordance with this Agreement, and we do not do so and the transaction is subject to Regulation E, we may be liable for any loss or damage directly caused. If our failure to stop payment was not intentional and is due to a bona fide error, although we have reasonably adjusted the procedures to avoid the error, our liability is limited to the damages actually proven. 10. Waiver. A party`s failure to enforce any of its rights under this CLA, including the right to terminate this FTA in the event of a breach or omission by the other party, shall not be deemed a waiver by that party of its right to enforce any provision of this ECA in accordance with its terms. If you do not notify us of an unauthorized transaction on a non-consumer account within 30 days of the date we send your bank statement or provide you with your bank statement on which the unauthorized transaction is taking place for the first time, it ultimately means that the transaction is authorized. We will determine if an error has occurred within 90 days of your contact with us and we will resolve any errors promptly. We will provide you with the results within three business days of the completion of our investigation. If we decide that no errors have occurred, we will send you a written statement.

You can request copies of all the documents we used in our investigation. Your withdrawal of consent to electronic disclosure will not affect the legal validity, validity or enforceability of electronic records provided or made available to you before your withdrawal of consent takes effect. It only applies to disclosures and transactions that take place after your withdrawal of consent takes effect. 5. To comply with any government agency or court order; Or you may need to contact us within 180 days of the date we informed you that the funds will be made available to the recipient. If you do, please let us know: If you use online and mobile banking, you must have sufficient funds in your specified account (including available overdraft protection, if applicable) to cover the amount of transfers and the associated overdraft protection fees. We are not required to notify you if online and mobile banking does not make a transfer because there are not enough funds in your account to process the transfer. We may process transfers that exceed your available balance, but we are not required to do so. If we do so, you agree to pay us immediately for the overdraft and all costs incurred. We may discontinue the approval of overdrafts at any time without notice. In addition, certain products and services offered in mobile banking may be subject to additional terms and conditions relating to fees or charges related to overdrafts or other issues related to bank transfers. Therefore, you should check the applicable agreements for the particular product or service for more information, terms or conditions.

The Company agrees to indemnify the Placement Agent in accordance with the provisions of Annex A of the Investment Banking Agreement, which is incorporated herein by reference and forms an integral part of this Agreement. Except as otherwise provided in this Agreement, neither we nor Zelle will be liable to you for any transfer of funds in connection with the Service, including, but not limited to, (i) any failure to complete a transaction of the correct amount through no fault of us or Zelle`s, or (ii) any related loss or damage. Neither we nor Zelle will be liable for any typos or typing errors you may make while using the Service. We may share information about your accounts with consumer reporting agencies and with other persons or agencies who, in our discretion, have a legitimate purpose to obtain information, as further described in the account agreement for that account. This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to any conflict of laws rules that may require the application of the laws of any other jurisdiction. You hereby agree that the courts of the Commonwealth of Pennsylvania, located in Berks County, Pennsylvania, or the United States District Court for the Eastern District of Pennsylvania, located in Reading, Pennsylvania, shall be the exclusive forums for any dispute relating to any claim or counterclaim by you arising out of or in connection with this Agreement. In the event of any dispute relating to the Service, you and the Service agree to resolve the dispute by reviewing this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service, which supersedes any prior proposal or agreement, oral or written, and any other communication between you and the Service with respect to the subject matter of this Agreement. .