Personal Online Banking Agreement

Effective Date: July 2016
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PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.  IF YOU AGREE TO ITS TERMS, PLEASE CLICK THE "ACCEPT" BUTTON AT THE END.

 

Online and Mobile Banking Agreement

(Effective July 27, 2016)

 

This document contains two parts.  Part A contains your consent to receive electronic communications from Fremont Bank.  Part B sets forth the terms of our online and mobile banking service.  We need your agreement to both parts before you subscribe to online and mobile banking service.  Please read both parts carefully and keep a copy for your records.  By clicking "I AGREE" below, you are agreeing to the terms of both Part A and Part B of this document.
 

PART A

E-SIGN CONSENT TO USE ELECTRONIC DOCUMENTS AND SIGNATURES

Fremont Bank is constantly striving to provide our clients with more convenience, control, and security to assist them in processing their transactions. This E-Sign Consent To Use Electronic Documents and Signatures ("E-Consent Statement") contains important information that we are required to give you before you consent to electronic documents and signatures relating to your Account(s). Please read this E-Consent Statement carefully and retain a copy for your records.

Consent to Electronic Signatures and Documents. Your consent to accept electronic documents and signatures means that once we present them to you and, if required, you click to accept them, the terms contained in those documents will apply to you and your Accounts with us. It also means that we may not mail you copies of documents that are provided electronically; however we may, at our discretion, make electronic documents available to you via a website or by e-mail, and may choose to send paper copies of documents to you even though we made or could have made them available to you electronically. "Account" means any Account(s) you have with Fremont Bank now, or in the future, including, but not limited to, a Deposit Account, Credit Account, Mortgage, Loan or Line of Credit.

Categories of Documents Covered By This E-Consent Statement. We are required by law to give you certain information "in writing". We may instead provide this information ("Covered Items") to you electronically if you: give us your consent to do so, provide us a designated e-mail address and satisfy the system requirements below. For purposes of this E-Consent Statement, these "Covered Items" may include disclosures, statements, notices, agreements, fee schedules, and other information and documentation.

Right to Withdraw Consent. You may withdraw your Consent at any time through your online account, or by notifying us by phone, by fax, in writing at the address below, or by sending instructions to us by e-mail. Upon withdrawal of your consent to use electronic documents and signatures, we will provide documents to you via U.S. Postal Service to your address of record. You agree to allow a reasonable time for us to resume providing disclosures and other information covered by this E-Consent Statement in written form.

Withdrawing your Consent will not affect the legal effectiveness, validity, or enforceability of any Account(s) or the Covered Items that were already provided before your withdrawal became effective. Withdrawing your Consent may, however, affect aspects of your Account related to your Consent, such as any discounted rates and fees, and even the availability of the Account. We will tell you about any affect on your Account during the withdrawal process.

Right to Paper Record.  You may request copies of any Covered Items that was originally provided electronically (we may charge you a fee for providing some documents) by sending instructions to us by e-mail, in writing, by fax or by phone, at the address and phone numbers provided below.  You must identify the specific record copies being requested.

For Deposit Account Records

 

For Loan Account Records

Fremont Bank

Attn: Online Banking

PO Box 5101

Fremont, CA  94537-5101

Fax (800) 222-6034 Option 2
Option 2

onlinebanking@fremontbank.com

 

Fremont Bank

Attn: Customer Care 2580-2

2580 Shea Center Drive

Livermore, CA  94551

Fax (800) 659-7334 Option 2
Option 2

Customercarecenter@fremontbank.com

Computer Hardware/Software Requirements. To access and retain the Covered Items, you must have a working e-mail address and a computer system or communications device with:  

  • Internet connection, and
  • a Web browser that supports 128-bit encryption, such as Chrome®, Firefox®, Internet Explorer®, or Safari®, and
  • 16 MB of available memory (32 MB of RAM recommended), and
  • a program that can view, save and print the Covered Items, including PDF files such as Adobe® Acrobat Reader 6.01 or higher*, and
  • a visually display on your computer screen such documents.

*Adobe Acrobat Reader is available for free directly from Get.Adobe.com/reader - Adobe Reader, free PDF viewer download

If a change in hardware or software requirements is needed in order for you to access or retain the Covered Items being provided to you in electronic form, we will alert you of any revised hardware or software requirements that your computer system or communications device will need to ensure ongoing access or retention.

Updated Contact Information. If you change your e-mail address, Internet Service Provider or other information needed to contact you electronically, you must provide us with updated information promptly. You can update information through Online Banking, by sending instructions in writing to us by e-mail or to the address above, or by calling us so that the Covered Items may be redirected to your new address.

Modification of E-Consent Statement. We reserve the right to modify these terms and conditions (E-Consent Statement) at our discretion. We will provide you with notice of such modification(s) electronically in a manner consistent with methods of providing Covered Items. If you do not agree to the E-Consent Statement as modified, you must notify us of your Withdrawal of Consent before its effective date. We will tell you the effective date in the notification, and change the effective date at the top of the new E-Consent Statement. Failure to withdraw your Consent, or take any other required action as stated in the notification before the effective date will confirm your continued agreement to the E-Consent Statement as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter, and/or until a subsequent version of this E-Consent Statement takes effect, you withdraw your Consent, or the Account is terminated by either you or Fremont Bank.

Confirming Your Access and E-Sign Consent To Use Electronic Documents and Signatures. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review the electronic documents and that you have an active email account. You understand that by giving us your Electronic Consent, you may no longer receive such Covered Items in paper form and you accept any consequence of not reviewing the Covered Items in a timely manner. Your Consent will remain in effect for your Account(s) until you withdrawal your Consent.

In this E-Consent Statement, "provide" means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through, or through any combination of:

  1. your designated e-mail address,
  2. your online banking account or links provided through your online account,
  3. access via a website we designate in advance for such purposes, or
  4. files, including those in PDF format, downloaded from our website.

PART B

(This is Part B to the Consumer Online and Mobile E-Consent ("Consent")

which you acknowledge having separately agreed to.  The Consent can be viewed at [https://www.fremontbank.com/about/terms-conditions/consumer-online-and-mobile-e-consent].)

This Online and Mobile Banking Agreement ("Agreement") sets forth the terms and conditions applicable to the online and mobile banking services provided by Fremont Bank.  Unless otherwise stated, any reference to the Agreement shall include applicable schedules, enrollment forms, and exhibits to the same, as well as applicable user guides, user manuals, set-up forms and other user materials, including online terms and information.  Each time you access the Service, you confirm your agreement to these terms, as amended from time to time.  You agree that the Accounts accessed using the Services will only be used for personal, family or household purposes. 

This Agreement includes disclosures applicable to consumer accounts as provided under the Electronic Fund Transfer Act (EFTA) and its implementing Regulation E.  Read this document carefully and retain a copy for your records.  This Agreement is not intended for use by commercial account holders and any regulatory consumer protections provided to consumer accounts will not apply to commercial accounts under this Agreement. 

This Agreement is in addition to other agreements between Fremont Bank and you, including but not limited to (as applicable), your checking, savings, and other account agreements, as may be modified from time to time.  If there is a conflict between the terms and conditions of this Agreement and those contained in the other agreements between you and us, this Agreement will control. 

Services 

With the Services you can, subject to system limitations: 

Depository Services

View/download electronic statements

Obtain Account information

Transfer funds between linked Accounts, excluding certificates of deposit ("Transfers") 

Initiate checking account stop-payment instructions

Order checks

Set up account alerts ("Alerts")

Within the "Payment Services" feature:  Initiate bill payments ("Bill Payments"), set up online receipt of electronic bills ("eBills"), initiate external funds transfers between your accounts with us and between your accounts with other financial institutions ("A2A Transfers"); and send and receive funds to and from third parties using Popmoney® "Popmoney Service")

Mobile Services

Access some of the Services and present checks for deposit to your linked Accounts using your wireless access device ("Mobile Banking")

Initiate linked loan account advances and payments.

View recent linked loan account payment history, insurance and tax information

Investment Account Information:

View certain wealth management and investment account details

Some Services may not be available without special application to and approval by us, may be limited to specific types of accounts, and may require you to agree to additional terms and conditions which may be presented online at the time the feature is activated.  Balances reflected in the Service may not reflect all transactions against an Account on the day the transaction occurs.  Services performed during nightly processing may not succeed when applied to your actual balance at the end of the nightly processing.  Information about some transactions may not be available on the day the transaction occurs.  Some of the Services may appear on your screen that have not been activated for your use.  We may make other services available to you and you agree to be bound by the terms and conditions of the additional services, as they apply, in addition to the terms of this Agreement. 

Dollar Limits

The following dollar limits apply: 

  • A2A Transfers: Minimum transaction amount $10.
  Transaction Daily In-Process Monthly
Next-Day Outbound $2,000 $2,000 $2,000 $5,000
Next-Day Inbound $2,000 $2,000 $2,000 $5,000
Standard Outbound $5,000 $5,000 $5,000 $10,000
Standard Inbound $5,000 $5,000 $5,000 $10,000
  • Popmoney Service: Minimum transaction amount $5.  You are limited to 15 Popmoney transfers per business day; and 30 per month.

 

  Transaction Daily In-Process Monthly
Standard $1,000 $1,000 $1,000 $4,000
Next-Day $100 $100 $100 $400
  • Loan Account Advance Transfers: Dollar limits will be based on available credit balance and subject to dollar limits and fees disclosed in the underlying loan documentation.
  • Mobile Deposit: $2,500 per business day; and $5,000 per calendar month.

Without limiting the above, there are limits on the amount of money (or, as applicable in some cases,) you can send or receive through our Service. Your limits may be adjusted from time-to-time at our sole discretion. You may log in to the Site to view your individual transaction limits. We also reserve the right to select the method in which to remit funds on your behalf though the Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to us the method to return funds to you. These payment methods may include, but may not be limited to, an electronic or paper check or draft payment.

 

Cut-Off Hours

A Communication received by us after the cut-off time on a business day, or on a day that is not a business day, may be treated by us as if it were received on the next business day.  At our option, however, we may treat it as received the same day as the day of receipt.  There can be a delay between the time when you send a Communication to us and the time we receive it.  All references to time in this Agreement shall refer to Pacific Time.  Our current cut-off hours are as follows: 

  • Transfers:  8:00PM
  • Bill Payments: Cutoff hours will vary depending on the payment date selected
  • A2A Transfers:  10:00PM (Standard); 5:00PM (Next-Day Requests)
  • Popmoney Service: 10:00PM (Standard); 7:00PM (Next-Day Requests)
  • Checking Account Stop Payments: 8:00PM
  • Loan Account Advance  Transfers: 8:00PM
  • Mobile Deposit:  5:30PM

General Terms

Definitions.  In this Agreement, defined terms have the meaning given to them.  In addition:

An "account" means any account you maintain with us and can include all accounts and products you use with us.  Your "Account" refers to the account(s) you have designated as the account accessible to the Services.

Your "available balance," "available funds" and similar words mean the balance in your Account as determined under our funds availability policy.

"Biller" is the person or entity to which you wish a Bill Payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

"Communication(s)" means instructions and actions from you (or attributable to you under this Agreement or otherwise) received by us through the Services.

A "commercial account" shall mean an account that is not established primarily for personal, family or household purposes, or is otherwise not a "consumer account" under the EFTA.

A "consumer account" shall mean an account that is established primarily for personal, family or household purposes and is subject to the EFTA as a "consumer account."

An "Eligible Transaction Account" is a transaction account from which your payments will be debited, your Service fees, if any, will be automatically debited, or to which payments and credits to you will be credited, that is eligible for the Service. Depending on the Service, an Eligible Transaction Account may include a checking, money market or other direct deposit account, credit card account, or debit card account, including any required routing information.

A "Payment Instruction" is the information provided for a payment to be made under the applicable Service, which may be further defined and described below in connection with a specific Service.

A "Payment Network" is a debit or credit network (such as the ACH Network or ACCEL / Exchange payment network) through which funds may be transferred.

The "Site" is the online banking site or mobile applications through which the Services are made available.

Your "Security Codes" are the credentials (such as codes and passwords) that are associated with you and used by us to verify the authenticity of Communications from you.  Security Codes are used to access Accounts and to use the Services.  The Security Codes include any supplemental or alternative method used to verify the authenticity of Communications that may be offered or presented to you by us from time to time.

The "Service(s)" are the online banking interface and the banking services described in this Agreement.

A "Transfer Instruction" is a specific Payment Instruction that you provide to the Service for a transfer of funds.

The word "includes" means "including but not limited to" the examples given.

The word "may," when used in reference to us, means at our option and sole discretion.  Action (or inaction) that we "may" take is authorized by you and allowed to us, but is not required.  You agree that we will not be liable for any action taken or any failure to act when action or inaction is at our discretion.

The words "we," "us," "our," "Bank" and similar terms are used to refer to Fremont Bank.

The words "you," "your," and similar terms are used to refer to the person entering into this Agreement and to the each person who is an owner of or has an interest in an Account together with the owner's authorized representatives.

Agreement.  We may act on communications, requests for information, or requests to facilitate any Service requested on or associated with an Account, from any Account owner (including joint owners), their authorized representatives, including any Account authorized signer.  Each time you use our Services or you permit any other person to use our Services, you are agreeing to the terms and conditions that we have set out in this Agreement, including any instructional materials regarding the Services, including instructions presented to you at our website, as amended.  You agree not to resell or offer a Service to another, or to process any transactions for others using a Service.  You certify that you are at least 18 years or older.  You authorize us to obtain information about you from others (including credit reporting agencies) as part of our review of your enrollment application and from time to time thereafter.  You agree to provide us with information as we request, from time to time. 

Our duty to respond to communications and service requests from you will be limited to the extent expressly provided in this Agreement, and as otherwise required by applicable law or regulation.  Nothing contained in this Agreement will be construed to require us to detect and correct or report errors in information or transmissions received from you.  You acknowledge and agree that you will comply with your obligations to timely review and report errors or unauthorized activity in statements and communications made available from us regarding your Accounts, including routine periodic statements, as provided in this Agreement and the Account Agreement (defined below).  You agree to maintain a record of your Service communications and transactions to enable us to reconstruct activity for a reasonable period of time, as may be need by us from time to time.

Eligible Accounts.  If you wish to add a new Account to, or remove an existing Account from, Service access, you must call us at (866)222-6304.  We are not, however, obligated to establish access to any or all of your Accounts, and not all Services may be available with all Accounts.  Some Services may not be available without special application to and approval by us, or may be limited to specific types of Accounts.

Eligible Accounts include the following types: checking, money market, savings, and time deposits.   In some cases, we may allow loans and lines of credit to be linked, in which case you agree that the relevant loan agreement, note or other document is modified to the extent necessary to allow the transfers or other Services that may be utilized.  We may process transactions from loan Accounts without regard to access limitations in any loan documentation or agreements.  Certificates of deposit are time deposits where early withdrawal penalties may result.  No online transactional activity is allowed on certificates of deposit, which are view only.  Accessibility to Accounts may vary based on the Service(s) you use.  Certain investment accounts are also accessible using the Service, for information only.

Sufficient Funds.  You must have sufficient available funds in your Account to cover the amount of any transaction that would be charged to your Account.  Subject to limitations set out in this Agreement, you can request payments up to the amount of available funds or available credit in your Account (if any).  We may hold (or "freeze") funds at any time after you have initiated a Service for any reason, including as a means of reducing risks that there will be insufficient funds for completing the Service.  If we do hold funds, we may treat the held funds as not available for other purposes, and reject other transactions (for example, checks or other transfer instructions).  Nothing in this Agreement, or any course of dealing between us, shall be construed as our commitment or obligation to lend you money.

Account Information.  Account information provided using the Services may reflect funds that are not currently available, as well as funds that are pending processing and that may change before final posting.  In the event of conflict between Account information provided in the Services and information reflected on our internal records, our internal records will control.  Some transaction information may not be immediately accessible using the Services.  You may confirm any Account or transaction information, including information provided while using the Services, by calling us directly.

Access Restrictions Waiver:  Your Accounts may be subject to access restrictions when you conduct transactions in person or when you are using systems other than with a Service.  We may limit or deny Services to you if there are access restrictions.  Conversely, we may process your transactions based on Communications without regard to or any need to comply with access restrictions otherwise applicable to your Accounts.

Compliance with Laws and Rules.  You agree to comply with all state and federal laws, rules, and regulations applicable to you and to your use of the Services (the "Laws"), including the operating rules of all systems used to provide Services to you (the "Rules"), and to provide evidence reasonably satisfactory to us of the same if requested by us.  You agree not to use the Service for any illegal purpose, including but not limited to illegal Internet gambling.  Without limitation, you agree and acknowledge that the Services may not be used by you in violation of the laws of the United States, including sanction laws administered by the Office of Foreign Asset Controls.  You acknowledge and agree that the software you use to access Services may be subject to restrictions and controls imposed by the Export Administration Act and the Export Administration Regulations. You agree and certify that neither the software nor any direct product thereof is being or will be used by you for any purpose prohibited by these Acts.

Additionally, each Account and the Services will be subject to and governed by the following:

The terms or instructions appearing on a screen when using a Service;

Our "Deposit Account Agreement" account agreement ("Account Agreement"), and our rules, procedures, and policies;

Applicable provisions of the rules of the National Automated Clearing House Association (NACHA) for bill payments facilitated through the ACH;

Applicable state and federal laws, rules, and regulations; and

The rules of other funds transfer systems when used in connection with a Service.

Nothing in this Agreement relieves you of any obligation you may have under the Laws or the Rules, and this Agreement is deemed modified to the extent necessary to allow or require you to comply with the same.  You will implement and maintain procedures, including retention of legal or compliance services, to ensure that you are able to comply with all current and future Laws and Rules, including any changes to them.  We are not obligated to provide information, updates or notice of or regarding the Laws or the Rules, even if we are aware of the same and of the potential for material impact on you and your use of the Services, and your indemnification and other obligations to us are not relieved or reduced by our not providing the same to you.  If we do provide information, updates or notices of or regarding the Laws or the Rules to you, we are not responsible for the accuracy of the same and may discontinue doing so at any time.

Electronic Records and Signatures.  When any Service generates items or transactions to be charged to your Account, you agree that we may charge the affected Account without requiring your signature on an item and without prior notice to you.  Any transactions resulting from your instructions which we receive in your name and under your credentials shall be deemed to have been "a writing" and authenticated by you "in writing" for purposes of any law in which a writing or written signature is needed or required.  All records maintained by us of transactions under your credentials shall be deemed to have been "signed" and to constitute an "original" when printed from records established and maintained by us or our authorized agent in the normal course of business.  You agree not to contest the authorization for, or validity or enforceability of, our electronic records and documents, or the admissibility of copies thereof, under any applicable law relating to whether certain agreements, files or records are to be in writing or signed by the party to be bound thereby.  Records and "signed" documents, if introduced as evidence on paper in any judicial or other proceedings, will be admissible to the same extent and under the same conditions as other documentary business records.  Upon our written request, you agree to manually sign or place your signature on any paper original of any record or "signed" document which we provide to you containing your purported signature.

Transfer Limitations.  For certain types of transactions/transfers from a money market or savings account, you are permitted to make no more than six transfers and withdrawals, or combination of them, per calendar month or statement cycle, to another account or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, including by check, draft, debit card or similar order by you and payable to third parties.  If you exceed these limits, we may impose a fee, close or convert your Account, limit your use of the Services, or any combination of the foregoing.

Service Providers

We are offering you the Service through one or more service providers ("Service Providers") that we have engaged to render some or all of the Services to you on our behalf.  However, notwithstanding that we have engaged such a Service Provider to render some or all of the Services to you, we are the sole party liable to you for any payments or transfers conducted using the Services and we are solely responsible to you and any third party to the extent any liability attaches in connection with the Services. You agree that we have the right under this Agreement 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.

Our ability to provide certain Services may be dependent upon our ability to obtain or provide access to third party networks.  In the event any third party network is unavailable or we determine in our sole discretion, that we cannot continue providing any third party network access, we may discontinue the related Service or may provide the Service through an alternate third party network.  In such situations, we will have no liability for the unavailability or delay of access. 

Notwithstanding the limitations described above pertaining to third parties, if you authorize a third party to access the Services on your behalf, you will be solely responsible and liable for all actions and inactions of said third party.  You expressly assume the risks associated with providing Service access rights to your agents or third party vendors, including but not limited to the risk of unauthorized or erroneous transactions.  We will not be responsible, nor have any liability whatsoever for any services you receive from your agents or third party vendors.  We reserve the right to require you to agree to additional terms and conditions as a condition precedent to your use of any agent or third party vendor in connection with your access to the Services.

Computer Equipment and Software to Access the Services

You are responsible for providing and maintaining any equipment that is necessary for the Services, such as telephones, terminals, modems, and computers.  You agree to use equipment that is compatible with our programs, systems. and equipment, which we may change from time to time.  We assume no responsibility for the defects or incompatibility of any computers or software that you use in connection with the Services, even if we have previously approved their use.  WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, IN LAW OR IN FACT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR OF MERCHANTABILITY, WITH RESPECT TO THE SERVICES, OR ANY COMPUTER PROGRAMS, EQUIPMENT OR SOFTWARE MADE AVAILABLE TO YOU.  You agree to notify us promptly if any software or equipment we provide to you becomes defective.  Our sole responsibility (if any) in such instances will be to repair or replace the defective software or equipment.  For security purposes, you agree to keep your browser and operating system up to date.  You agree to install and maintain appropriate firewall and anti-virus software on any equipment you use to access the Service, to protect your data when connected to the Internet.  Except to the extent limited by applicable law, you assume sole responsibility for any and all loss, damage or injury arising with respect to any failure of your equipment, software not provided by us, the disruptions or unavailability of connectivity, viruses, spyware, malware, or worms affecting your equipment or software.

To use the Services, you must have a sufficiently powerful computer hardware and appropriate software.  Some Services may require you to download software from our website; in some cases, we may place software on your computer as part of our security and/or verification tools.  You agree to maintain the confidentiality of the Security Codes at all times and not to provide access to them to anyone that you do not authorize to access your Accounts through the Services. 

Encryption of data transmissions does not guarantee privacy.  Data transferred via the Services is encrypted in an effort to provide transmission security.  Notwithstanding our efforts to insure that the Services are secure, you acknowledge that the Internet is inherently insecure and that all data transfers (including transfer requests and electronic mail) occur openly on the Internet.  This means that the data transfers potentially can be monitored and read by others.  We cannot and do not warrant that all data transfers utilizing the Services will not be monitored or read by others.  You expressly acknowledge that any wireless access to the Services initiated by you may not be secure and, in such cases, you assume the risk associated with unauthorized access to the Service and any information contained therein, resulting from such wireless connectivity.

Privacy and Confidentiality

Your Privacy. Protecting your privacy is very important to us.  Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.

Privacy of Others. If you receive information about another person through the Service, you agree to keep the information confidential and only use it in connection with the Service.

Confidentiality.  All information gathered from you in connection with using the Service will be governed by the provisions of our consumer privacy policy, as well as our online privacy policy, which you agree to review by accessing on our homepage. 

In addition, we will disclose information to third parties about your account or the transfers you make:

Where it is necessary for completing transfers;

In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;

In order to comply with government agency or court orders; or

If you give us your written permission.

Linking Accounts

We reserve the right to limit which Accounts may be "linked" under the Services.  Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement.

Security Code Credentials

During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name.  These may include a logon name and password.  These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. 

You agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days.  You agree not to disclose your Security Codes to anyone and to take other reasonable precautions to ensure the safety; security and integrity of transactions conducted with your computer or mobile device (for example, do not write them down).  You agree not to give or make available your Security Codes to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials.  NOTE: Some browser software may store user names and security codes to facilitate the future use of a web site.  For security reasons, you agree to disable this feature in your browser.  Check your browser's "Help" screen for more information on this feature.  For security reasons we may disable your Security Codes, for example if they are entered incorrectly several times.  Passwords should not be easy to guess: for example, your children's or pet's names, birth dates, addresses or other easily recognized identification related to you.  It is also recommended you do not have your browser automatically remember your password.  We may offer to you or require you to use additional authentication tools or methods from time to time.  If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited.  Except to the extent limited by applicable law, you agree to indemnify and release us from liability for any claims related to our having honored a transaction or action in reliance on your Security Codes having been provided to us to facilitate the transaction or action.

After several unsuccessful attempts to use your Security Codes, we may revoke your access to the Services.  To re-establish your access to the Services, you agree to contact us at (866)222-6304.

Contact in Event of Unauthorized Transfer

If you believe any part of your Security Code, including your password, has been lost or stolen call: (866)222-6304, or write: Fremont Bank, Customer Service, P.O. Box 5101, Fremont, CA 94537-5101.

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Email

Electronic mail ("email") sent to us is not a secure method of communication, and we recommend you do not send information by email.  We may disregard email we receive from you, or we may act on it, at our option.  Your email messages may be acted upon by us if received in a manner and in a time providing us a reasonable opportunity to act.  Nevertheless, unless otherwise provided herein, email messages will not serve as a substitute for any requirement imposed on you to provide us with "written" notice.

Email or messages sent by us to you will be deemed received by you when sent by us to you at your email address as shown on our records.  You agree to notify us (using the Service or otherwise in a form acceptable to us) whenever your email address or physical address changes.  You agree that information or messages made available to you via the Services will be deemed received by you when first posted on our website or made available to you.  You agree to access the Service from time to time, in no event less than monthly, to access this information or the messages.  If you fail to update or change an incorrect email address or other contact information, you understand and agree that any email shall nevertheless be deemed to have been provided to you if the email was sent to the email or other contact we have on file for you.

Account Information Services

The Services include the ability to obtain Account information, subject to system limitations.  Some transaction may not be reflected by the system until the following business day.  Posted transactions may be reversed due to insufficient funds, stop payment orders, legal process, or other reasons.  Certain balances may not be subject to immediate withdrawal.  We assume no responsibility for any loss arising from incomplete information or for any temporary interruption in your access to online information.  If you are unable to access the Services for any reason, you may contact us directly.

Electronic Statements

Electronic statements offer you a convenient way to view, save and print your periodic statements.  If you elect to receive electronic statements, we may discontinue sending paper statements and make periodic statements available to you in electronic form only.  This includes, but is not limited to, ongoing disclosures currently provided on the back of your paper statement, notices posted as messages on the face of the statement, and all notices or other communications that accompany mailed statements.  Each electronic statement will be available for your viewing, downloading or printing for a period of 24 months from the date that it is made available to you.  You agree to review your electronic statements in a timely manner, just as you would paper statements, and to promptly notify us of any errors, unauthorized activity or other problems, as provided in our agreement with you.  You will be deemed to receive electronic statements when they are made available to you.  Any time periods within which you must notify us of any problems or errors reflected on your statement(s) will begin on the date we make the electronic statement available to you, regardless of when it is actually viewed by you.  If you cannot access, print or view your electronic statements, you must contact us immediately at (866)222-6304 to make alternate arrangements.  Please see the Consumer Online and Mobile E-Consent for other important information about electronic statements and our electronic communications with you. You agree to periodically logon and check on the delivery of new statements.

Internal Transfers 

You must not use the Service to transfer funds to or from an account that you do not own.  Transactions posted to your account as of a certain business day may not be reflected in account balances reported by the Service until the following business day.  Information on transfers to or from your accounts with us will be reflected on your periodic statements, will be available to you online, and can be obtained by calling (866)222-6304.  We do not provide any other notice of the receipt, transmittal or debiting of funds transfers.

Scheduling Fund Transfers.  You may instruct us to initiate single or recurring Internal Transfers on any business day (the "Transfer Process Date"), subject to system limitations.  If the Transfer Process Date for an automatic transfer falls on a weekend or holiday, the transfer may be sent the following business day. To initiate an Internal Transfer, you must provide the information prompted within the Service, including the account to be debited, the account to be credited, the transfer amount, and the Transfer Process Date.  

Changing or Cancelling Internal Transfer Instructions. For same-day (express) Internal Transfer requests, once submitted, the transfers cannot be cancelled through online banking.  For future dated (advanced) Internal Transfers, the transfers can be cancelled through online banking up to 7:59PM.

Payment Services

General Payment Services Terms

  • Refer to the following "General Payment Services Terms" for all Payment Services, as applicable.  The payment Services (collectively "Payment Service(s)") may include the following features:
  • Initiate Bill Payments to third parties ("Bill Payments");
  • Receive electronic bills ("eBills");
  • Initiate funds transfers between your accounts with us and between your accounts with us and other financial institutions ("A2A Transfers"); and
  • Send and receive funds to and from third parties ("Popmoney Services"). 

Erroneous Transfer Instructions.  You assume sole responsibility for accurately describing transfer amounts, dates, accounts, financial institutions, addresses and any other information required for your input by the system.  We are not responsible for confirming such information, or for identifying or refusing to process duplicate transfer instructions.  If you give us a transfer instruction that is incorrect in any way, you agree that we may charge your account for the transfer whether or not the error could have been detected by us.  We are not obligated to detect or correct errors in your transfer instructions. 

ACH Entries.  To the extent electronic transfers are made through the Automated Clearing House Network ("ACH") they are subject to the rules of the ACH, and you agree to be bound by the Operating Rules of the ACH, including the rule making payment to the recipient provisional until receipt by the recipient's bank of final settlement of the credit transaction.  If final settlement is not received, you will not be deemed to have paid the recipient the amount of the electronic transfer.  Furthermore, you agree that any payment by us to you for any returned credit entry or credit reversal is provisional until receipt by us of final settlement for such entry.  If final settlement is not received, we are entitled to a refund from you of the amount credited, and we may charge your account for the amount credited.  We may refuse to permit the use of any amount credited for a credit reversal if we believe that there may not be sufficient funds in your account to cover charge back or return of such reversal.

Inconsistencies.  If a beneficiary of a payment order is identified by both name and account number, payment may be made by us and by any other financial institution based on the account number even if the name and the account number are not consistent or identify different parties.  If an intermediary bank or a beneficiary's bank is identified on a payment order by both name and identifying number, we and other financial institutions may rely on the identifying number even if the name and the identifying number are not consistent or identify different parties.

Payment Methods.  We reserve the right to select the method in which to remit funds on your behalf.  These payment methods may include, but may not be limited to, an electronic payment, an electronic check payment (where the check is drawn off our third party Service Provider's account), or a demand draft payment (where a negotiable instrument is created and drawn off of your Account).  We do not guaranty when payments made by check will be delivered by the U.S. Postal Service.  You are responsible for scheduling payments to be made in a timely manner.  We are not responsible for delays in the postal system or automated clearing house, or for any action or omission by a recipient/payee.  You may only transfer funds within the United States. 

Account Authorization.  When we receive a Payment Service instruction from you, you authorize us to debit your eligible Account for the amount of any such instruction plus any related fees in effect at the time you initiate the instruction, and to remit funds on your behalf.  You acknowledge and agree that any applicable fees will be charged when we receive a Payment Service instruction from you, regardless of whether the payment order is ultimately completed.  You also authorize us to credit your eligible Account for the receipt of payment orders, including but not limited to those payments returned to us from third parties to whom you sent payment orders and those payments that were cancelled and returned to you because the processing could not be completed.  We will not be liable to you for crediting your eligible Account for incoming payment orders, regardless of whether you authorized the third party to send you the funds.

Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number and/or emails from us for our everyday business purposes (including identify verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system from us or our affiliates and agents. You further consent to receiving text messages from us at that number, and/or emails from us for marketing purposes in connection with the Service and consistent with our Privacy Policy. Please review our Privacy Policy for more information. 

Available Funds.  You will need to have sufficient available funds in your designated eligible Account to cover the amount of your payment orders and applicable fees.  You can initiate Payment Service instructions up to the available funds in your eligible Account, plus any linked credit or other overdraft facility (as applicable).  Depending on the method used to submit your payment order, your Account may not be debited on the payment processing date (for example the, Scheduled Payment Date).  Regardless of whether your Account is debited on the payment processing date or at a later time, you must continue to maintain sufficient available funds in your Account to cover the amount of the payment order until it is ultimately debited from your Account. We may place a hold on or charge your account for the payment or transfer amount as early as five business days before the scheduled payment or transfer.  We may combine your payment amount with funds of other customers in an omnibus account that our vendor uses to process transactions.

You acknowledge and agree that, any applicable Payment Service fees and charges may be charged regardless of whether the Payment Service instruction is completed, unless the failure to complete the instruction is solely due to our failure. 

Failed or Returned Payment Instructions. In using the Service, you are requesting us to attempt to make payments for you from your Eligible Transaction Account. If we are unable to complete the Payment Instruction for any reason associated with your Eligible Transaction Account (for example, there are insufficient funds in your Eligible Transaction Account, or the Payment Instruction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment), the Payment Instruction may or may not be completed. In certain circumstances, we will attempt to debit the Eligible Transaction Account a second time to complete the Payment Instruction. In some instances, you will receive a return notice from us. In each such case, you agree that:

  1. You will reimburse us or our Service Provider immediately upon demand the amount of the Payment Instruction if we have delivered the payment but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow us to complete the debit processing;
  2. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed by us or our Service Provider;
  3. You may be assessed a fee by our Service Provider and by us if the Payment Instruction cannot be debited because you have insufficient funds in your Eligible Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment, or if we cannot otherwise collect the funds from you; the fee amount will be as set forth in your fee schedule from us (including as disclosed on the Site) or your account agreement with us. You hereby authorize us to deduct these amounts from your designated Eligible Transaction Account, including by ACH debit;
  4. You will reimburse us and our Service Provider for any fees or costs we incur in attempting to collect any amounts from you; and
  5. We and our Service Provider are authorized to report the facts concerning the return to any credit reporting agency.

Payment Cancellation Requests.  Except to the extent otherwise provided in this "Payment Services" Section, as applicable you may cancel or edit any Payment Service instruction (including recurring payments) by following the directions within the Payment Service application. There is no charge for canceling or editing a Payment Service instruction. Once the Payment Service has begun processing a payment order it cannot be cancelled or edited.

Receiver Limitation.  We reserve the right to refuse to pay any third party to whom you may direct a transfer or a payment. All payment and transfer recipient accounts must be maintained in the U.S.  We will notify you if we decide to refuse to pay a third party designated by you. This notification is not required if you attempt to make a prohibited payment under this Agreement.  This Agreement does not alter your liability or obligations that currently exist between you and any third party.

Returned Payments.  In using the Payment Service, you understand that third parties and/or the United States Postal Service may return payments to us for various reasons such as, but not limited to, the third party's forwarding address expired; the third party's account number is not valid; the third party is unable to locate account; or the third party's account is paid in full. We will notify you of returned payment orders via the system.

Use of Vendors; Use of Information.  We may use one or more vendor(s) to provide the Payment Service, and you understand that various financial intermediaries and their servicers may be involved in processing any one of your payment orders.  These intermediaries may benefit from interest that accrues on payment orders between the time the originating account is debited and the receiving account is paid.  Any information you provide may be used by us or any of these other parties to complete or otherwise deal with your transaction or comply with any laws, rules or regulations.  If there is a dispute between you and us, or either of us and any other person (including any merchant, financial institution or other intended or actual recipient of any payment order), you authorize us to obtain information regarding you, your accounts and your obligations (or the absence of them) from any party that was involved in the transaction or that might otherwise assist in the resolution of the dispute or problem.  This may include financial and other information.

Address or Banking Changes.  It is your sole responsibility to ensure that the contact information in your user profile is current and accurate.  This includes, but is not limited to, name, address, phone numbers and e-mail addresses.  Changes can be made by contacting us at (866)222-6304.  Any changes in your payment account should also be made in accordance with the procedures outlined within the application.  The Payment Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate payment account or contact information.

Information Authorization.  Your enrollment in the applicable Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in or use of each Service, you agree that we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Eligible Transaction Account. You further understand and agree that we reserve the right to use personal information about you for our and our Service Providers' everyday business purposes, such as to maintain your ability to access the Service, to authenticate you when you log in, to send you information about the Service, to perform fraud screening, to verify your identity, to determine your transaction limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to defend claims, to resolve disputes, to troubleshoot problems, to enforce this Agreement, to protect our rights and property, and to customize, measure, and improve the Service and the content and layout of the Site. Additionally, we and our Service Providers may use your information for risk management purposes and may use, store and disclose your information acquired in connection with this Agreement as permitted by law, including (without limitation) any use to effect, administer or enforce a transaction or to protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability. We and our Service Providers shall have the right to retain such data even after termination or expiration of this Agreement for risk management, regulatory compliance, or audit reasons, and as permitted by applicable law for everyday business purposes. In addition we and our Service Providers may use, store and disclose such information acquired in connection with the Service in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Service.

Bill Payments

Defined Terms.  In addition to the words otherwise defined in this Agreement, in this "Bill Payments" Section, the following terms will be defined as follows:

"Exception Payments" means payments to deposit accounts or brokerage accounts, payments to settle securities transactions (including, without limitation, stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property).

"Payment Account" is the checking account from which Bill Payments will be debited.

"Scheduled Payment Date" is the estimated day your Biller will receive your Bill Payment, and may also be the day your Payment Account will be debited depending on the payment method, unless the Scheduled Payment Date falls on a non-business day in which case it will be considered to be the previous business day.

"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.

"Due Date" is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.

Payment Scheduling.  You may schedule Bill Payments, subject to systems limitations.  The earliest possible Scheduled Payment Date for each Biller will be designated within the portion of the Site through which the Service is offered when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement 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 Scheduled Payment Date that is at least one (1) business day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. Depending on the method of payment, your Eligible Transaction Account may be debited prior to the Scheduled Payment Date. For example, if the selected method of payment is a draft, the draft arrives earlier than the Scheduled Payment Date due to expedited delivery by the postal service, and the Biller immediately deposits the draft, your Eligible Transaction Account may be debited earlier than the Scheduled Payment Date.

Biller Information; Payment Authorization and Payment Remittance.  Each time you want to initiate a Bill Payment, the Biller must be on your authorized list of Billers.  We are not responsible if a Bill Payment is not made to a Biller because you provided us with incomplete, incorrect or outdated information regarding the Biller or we attempted to make a payment to a Biller you entered that is not on your authorized list of Billers.  Also, we reserve the right to refuse to approve a Biller for your authorized list of Billers and to otherwise prohibit payment to a Biller via the Bill Payment Service.

By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the Site. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives.

When the Service receives a Payment Instruction, you authorize the Service to debit your Eligible Transaction Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Eligible Transaction Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service.

Payment Cancellation Requests.  You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the portion of the Site through which the Service is offered. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

Stop Payment Requests.  The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact us at (866)222-6302. Although the Service will attempt to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) business days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule. This service is available for checking accounts only and does not apply to checks issued on a credit line account.

Exception Payments.  Exception Payments may be scheduled through the Service; however Exception Payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of Exception Payments. The Service Guarantee as it applies to any late payment related charges is void when Exception Payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an Exception Payment; all research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.

Service Guarantee.  Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with this Agreement ("Service Guarantee").  The Service will attempt to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

  1. If, through no fault of the Service, your Eligible Transaction Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
  2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
  3. You have not provided the Service with the correct Eligible Transaction Account information, or the correct name, address, phone number, or account information for the Biller; and/or,
  4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Eligible Transaction Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges. 

eBills

The Service includes a feature that electronically presents you with electronic bills from select Billers. Electronic bills may not be available from all of your Billers. Electronic bills are provided as a convenience only, and you remain solely responsible for contacting your Billers directly if you do not receive their statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:

Presentation of electronic bills.  You will receive electronic bills from a Biller only if both: (a) you have designated it in the Service as one of your Billers, and (b) the Biller has arranged with our Service Provider to deliver electronic bills. The Service may then present you with electronic bills from that Biller if either: (1) you affirmatively elect online within the Service to receive electronic bills from the Biller, or (2) the Biller chooses to send you electronic bills on a temporary "trial basis." In either case, you can elect online within the Service to stop receiving electronic bills from a Biller. Electing to receive electronic bills, automatically receiving trial electronic bills, and declining further elected or trial electronic bills all occur on an individual Biller basis. The Service does not include an option to prevent ever participating in the automatic trial electronic bill feature. When affirmatively electing to receive electronic bills from a particular Biller, you may be presented with terms from that Biller for your acceptance. We are not a party to such terms.

Paper Copies of electronic bills.  If you start receiving electronic bills from a Biller, the Biller may stop sending you paper or other statements. The ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. Check with the individual Biller regarding your ability to obtain paper copies of electronic bills on a regular or as-requested basis.

Sharing Information with Billers. You authorize us to share identifying personal information about you (such as name, address, telephone number, Biller account number) with companies that you have identified as your Billers and which we have identified as offering electronic bills for purposes of matching your identity on the Service's records and the Biller's records to (a) activate your affirmative request for electronic bills, and/or (b) confirm your eligibility for "trial basis" electronic bills.

Information held by the Biller. We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses that is held by the Biller. Any changes will require you to contact the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. 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 for purposes of the Biller matching your identity against its records or informing you about the Biller's services and/or bill information.

Activation.  We will notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

Authorization to obtain bill data.  You authorize us to obtain bill data from your Billers that you have requested to send you electronic bills, and from your Billers that wish to send you trial electronic bills. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

Notification.  We will attempt to present all of your electronic bills promptly. In addition to notification within the Service, we may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification.  The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s).  You agree to hold us harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

Accuracy and dispute of electronic bill.  We are not responsible for the accuracy of your electronic bill(s). 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 directly addressed and resolved with the Biller by you. This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

Disclosure of Account Information to Third Parties.  It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make in the following situations pursuant to our Privacy Policy, in addition to the circumstances otherwise set forth in this Agreement:

  1. Where it is necessary for completing transactions;
  2. Where it is necessary for activating additional services;
  3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;
  4. To a consumer reporting agency for research purposes only;
  5. In order to comply with a governmental agency or court orders; or,
  6. If you give us your written permission.

Service Fees and Additional Charges.  You are responsible for paying all fees associated with your use of the Service. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Service or Site. Any applicable fees will be charged regardless of whether the Service was used, except for fees that are specifically use-based. Use-based fees for the Service will be charged against the Billing Account. There may also be charges for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and Internet service provider.

Biller Limitation.  The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an Exception Payment under this Agreement.

Returned Payments.  In using the Service, you understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will attempt to research and correct the returned payment and return it to your Biller, or void the payment and credit your Eligible Transaction Account. You may receive notification from the Service.

Information Authorization.  Without limiting the authorizations otherwise granted under this Agreement, you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

A2A Transfers

Transfer Authorization and Processing.  The A2A Transfer Service enables you to transfer funds between your deposit Account(s) that you maintain with us on the one hand, and your deposit Account(s) that are maintained by other financial institutions ("External Account(s)"), on the other hand. The "Transaction Account" is the deposit Account from which your funds will be debited, your A2A Service fees will be automatically debited, or to which funds will be returned. You represent and warrant that you are either the sole owner or a joint owner of the Eligible Transaction Account and the External Account and that you have all necessary legal right, power and authority to transfer funds between the Eligible Transaction Account and the External Account. If you are a joint owner of the Eligible Transaction Account, External Account, or both, then you represent and warrant that (i) you have been authorized by all of the other joint owners to operate such Accounts without their consent (including without limitation to withdraw or deposit any amount of funds to such Accounts or to even withdraw all funds from such Accounts); and (ii) we may act on your instructions regarding such Accounts without liability to such other joint owners.  Further, you represent and warrant that the External Account is located in the United States.

When we receive a Transfer Instruction from you, you authorize us to (i) debit your Eligible Transaction Account and remit funds on your behalf to the External Account designated by you and to debit your applicable Account for applicable fees and charges; or, as applicable, to (ii) credit your Eligible Transaction Account and remit funds on your behalf from the External Account designated by you and to debit your applicable Account for applicable fees and charges. You also authorize us to reverse a transfer from the applicable Account if the debit is returned from the other Account in the transaction for any reason, including but not limited to nonsufficient funds.

We will use reasonable efforts to make all your transfers properly. However, we shall incur no liability if we are unable to complete any transfers initiated by you because of the existence of any one or more of the following circumstances:

  1. If, through no fault of ours, the Eligible Transaction Account or External Account does not contain sufficient funds to complete the transfer or the transfer would exceed the credit limit of your overdraft account;
  2. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
  3. The transfer is refused as described below;
  4. You have not provided us with the correct information, including but not limited to the correct Eligible Transaction Account or External Account information; and/or,
  5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution(s), or interference from an outside force) prevent the proper execution of the transfer and we have taken reasonable precautions to avoid those circumstances.

It is your responsibility to ensure the accuracy of any information that you enter into the Service, and for informing us as soon as possible if you become aware that this information is inaccurate. You may not use a P.O. Box as a postal address. We will make a reasonable effort to stop or recover a transfer made to the wrong Account once informed, but we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by you.

External Account Verification.  Before you can transfer funds to or from a deposit account you maintain at another financial institution, the account must be set up and verified through our online banking website.  Set-up for these accounts may require you to verify one or more micro-deposits to or withdrawals from to the account.  Depending on the transfer type and your actions, it may take several days for an account to be set up and verified.  Each time you instruct us to transfer funds to or from an account you maintain at another financial institution, you warrant to us that you are an owner of that account, that you are authorized to use the Service for that transaction, and that no other person's authorization is required.  We may charge your account for the transfer amount as early as the transfer process date and credit the funds to an omnibus account our vendor uses to process transactions.

Authorization and Revocation.  You agree and acknowledge that when you use the Service to initiate an A2A Transfer, that you authorize us to initiate an ACH transaction to or from your external account.  Also, you agree that for recurring and future dated transfers, this authorization will remain in effect until revoked by you through the Service or by calling us at (866)222-6304.

A2A Transfer Revocation/Cancellation; Refused Transfers.  Once your A2A transfer has begun processing, you cannot cancel the request.  We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied transfer to your Account that we debited for the funds transfer. If this is unsuccessful (for example, the Eligible Transaction Account has been closed) we will make reasonable attempts to otherwise return the funds to you.

Stop Payment Requests.  If you desire to stop any A2A transfer that has already been processed, you must contact us at (866)222-6304.  Although we will make a reasonable effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within fourteen (14) business days. The charge for each request will be the current charge for such service as set out in the applicable fee schedule.

Refused Transfers.  We reserve the right to refuse any transfer. We will notify you promptly if we decide to refuse to transfer funds. This notification is not required if you attempt to make a transfer that is not allowed under this Agreement.

Returned Transfers.  In using the Service, you understand transfers may be returned for various reasons such as, but not limited to; the External Account number is not valid. We will use reasonable efforts to research and correct the transfer to the intended Account or void the transfer and credit your Account from which you attempted to transfer funds. You may receive notification from us.

Popmoney Service

Description of Service.  The Popmoney Service enables you: (1) to initiate a payment instruction ("Payment Instruction") from an Eligible Transaction Account to an account at a U.S. financial institution; and/or (2) to receive a payment from another person into an Eligible Transaction Account, in U.S. dollars.  Although the ACH Network is often used to execute Popmoney Service Payment Instructions for the Popmoney Service, other Payment Networks may be used to facilitate the execution and transmission of Payment Instructions. All payments must be made through the Site and are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time.  Receipt of payments may be made through the Site and is subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time. In some instances, receipt of payments may be made through www.Popmoney.com (the "Popmoney Website") and if you choose to initiate or receive a payment at the Popmoney Website you acknowledge and agree that you shall be subject to the terms of other agreements, including, but not limited to, the "terms of use" for the Popmoney Website and applicable laws and regulations, in each case as in effect from time to time.

There are two ways to send funds using this Service.  If you know the recipient's account information (e.g., account number and bank routing number), you can instruct us to send funds directly to that account (a "One-Step Transfer").  If you do not know the recipient's account information, you can instruct us to send an email or SMS text message to the recipient, advising the recipient of the pending transaction and asking the recipient to provide the account and other information we need to complete the transfer (a "Two-Step Transfer").  Each time you instruct us to send an SMS text message advising a recipient of a pending transaction, you warrant to us that you have obtained the recipient's permission to send such SMS text messages to the mobile phone number you provide to us with your instructions.  You authorize us to act as your agent and attorney-in-fact for the limited purpose of communicating with others regarding your instructions (e.g., sending SMS text messages on your behalf).

The "Payment Processing Date" is the day your Eligible Transaction Account will be debited, unless the Payment Processing Date falls on a non-business day in which case the previous business day will be considered to be the Payment Processing Date.  If you instruct us to make a One-Step Transfer, it may take up to 4 business days before funds are deposited to the recipient's account.  Note: With our Next Day Service you can instruct us to make a transfer so that it is received on the next business day.  There is a fee for Next Day Service (see our fee schedule).  For a Two-Step Transfer, funds will generally be credited to the recipient's account within 4 business days of the date we receive all required information from the recipient.  If the recipient fails to respond to the email or text message within 10 days or the transfer cannot be made for any other reason, we will notify you and return funds to your account.

One-Time Payment.  You can use the Popmoney Service to make a one-time Payment Instruction.  A one-time Payment Instruction will be processed on the Payment Processing Date; provided that the Payment Processing Date selected by you is a business day and you submit your one-time Payment Instruction prior to the applicable cut-off hour for that date.  If you select a Payment Processing Date that is not a business day or submit your Payment Instruction after the cut-off hour for that date, then the Payment Processing Date may be the previous business day. 

Recurring Payments.  You can use the Popmoney Service to submit recurring Payment Instructions.  The Popmoney Service will allow you to schedule Payment Instructions that will cause a payment to be processed from the selected Eligible Transaction Account on your selected frequency on an ongoing basis.  However, if the future Payment Processing Date is on a non-business day, then the new future Payment Processing Date may be the previous business day.

Two-Step Transfer.  As an alternative to initiating a Payment Instruction by providing all the necessary information on the payment receiver ("Receiver") in the system, the Popmoney Service may allow you to provide limited Receiver contact information (such as mobile telephone number or email address).  The Popmoney Service will then use this information to contact the Receiver and obtain the additional necessary information to process your Payment Instruction(s) to the Receiver.  This process is referred to as the "Two-Step Transfer" process.  Payment Instructions using the Two-Step Transfer process may be delayed if the Receiver fails to provide timely, accurate and complete information.  You acknowledge that we will begin to process the Payment Instruction once the Receiver has provided (or we otherwise obtain) all required information, and you hereby authorize and direct us to retain such funds until the earlier of such time as the Receiver has provided (or we otherwise obtain) all required information or ten (10) business days.  Our obligation to complete the Payment Instruction shall not begin until such time as the Receiver provides us with (or we otherwise obtain) all required information necessary to process the transactions in accordance with this Agreement. 

Payment Authorization and Payment Remittance. 

By providing us with names and telephone numbers, email addresses, and/or bank account information of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Service. Once registered, you authorize us to credit your Eligible Transaction Account for payments remitted to you on behalf of a sender ("Sender") without further approval from you.

When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account for the amount of any such Payment Instruction plus any related fees in effect at the time you initiate the Payment Instruction, and to remit funds on your behalf. You acknowledge and agree that any applicable fees will be charged when we receive a Payment Instruction from you, regardless of whether the Payment Instruction is ultimately completed. You also authorize us to credit your Eligible Transaction Account for the receipt of payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) and those payments that were cancelled and returned to you because the processing of the Payment Instruction could not be completed.

You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant financial institution may execute those Payment Instructions by reference to the account number only, even if such account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers. We have no responsibility to investigate discrepancies between account names and account numbers, outside of our obligations under the law to investigate errors, described in this Agreement.

You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you.

We will use reasonable efforts to complete all your Payment Instructions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances:

  1. If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the Payment Instruction or the Payment Instruction would exceed the credit limit of your overdraft account;
  2. The Service is not working properly and you know or have been advised by us about the malfunction before you execute the Payment Instruction;
  3. The payment is refused as described in this Agreement;
  4. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and address or mobile phone number of the Receiver to whom you are initiating a Payment Instruction; and/or,
  5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the Payment Instruction.

It is the responsibility of the Sender and the Receiver to ensure the accuracy of any information that they enter into the Service (including but not limited to the Payment Instructions and name, telephone number and/or email address for the Receiver to whom you are attempting to send a payment), and for informing us as soon as possible if they become aware that this information is inaccurate. We will make a reasonable effort to stop or recover a payment made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and will bear no responsibility or liability for damages resulting from incorrect information entered by the Sender or Receiver.

Initiation of Payment Instructions.  You may initiate (a) a one-time Payment Instruction to a Receiver for which processing shall be initiated immediately, (b) a one-time Payment Instruction to a Receiver for which processing shall be initiated at a later specified date up to one (1) year, and (c) a recurring series of Payment Instructions to a Receiver for which processing shall be initiated on the specified dates. Further details about each of these options can be found on the Site. Payment Instructions initiated to Receivers are processed in two ways. You can provide all the required information about the Receiver, including his/her Eligible Transaction Account, necessary to complete a transfer of funds. Alternatively, you can provide contact information about the Receiver (including an email address and/or mobile telephone number) and the Popmoney Service may contact the Receiver and request that the Receiver: (i) provide information so that we may validate the identity of the Receiver at the Popmoney Website and then (ii) provide Eligible Transaction Account information in order to complete the Payment Instruction (a "Two-Step Transfer"). If the Receiver maintains an Eligible Transaction Account with an institution that participates in or offers the Popmoney Service, the Receiver may access the Popmoney Service at his or her financial institution's website or mobile application to complete the Payment Instruction and receive the payment.

You understand and agree that when you initiate a Payment Instruction from an Eligible Transaction Account using the Popmoney Service, the processing of the Payment Instruction will begin and the debiting of your Eligible Transaction Account will occur as early as the day of such initiation. However, the payment funds will be transferred into the Receiver's Eligible Transaction Account no earlier than the next business day after you initiated the Payment Instruction. If you request a one-time Payment Instruction to be initiated on a specified date or a recurring series of Payment Instruction to be initiated on specified dates, then the processing of the Payment Instruction will begin on the specified date and the debiting of your Eligible Transaction Account will occur as early as the specified date(s). However, the payment funds will be transferred into the Receiver's Eligible Transaction Account no earlier than the next business day following the specified date. In addition, in the case of all Two-Step Transfers, the deposit of the payment funds into the Receiver's Eligible Transaction Account (even if debited or withdrawn from your Eligible Transaction Account), or receipt of a gift card, if applicable, may be delayed if the Receiver has not provided the Popmoney Service with certain required information such as his or her Eligible Transaction Account information, or, in the case of a gift card, if applicable, a valid U.S. street address for gift cards that are physically delivered. The Site may contain additional information regarding the delivery of a payment to an Eligible Transaction Account or the delivery of a gift card, if applicable. You acknowledge and agree that we will begin to process the requested transfer of funds once the Receiver has provided (or we otherwise obtain) all required information, and you hereby authorize and direct us to retain such funds until the earlier of such time as the Receiver has provided (or we otherwise obtain) all required information or ten (10) business days. You further acknowledge and agree that our receipt of money to be transmitted to a Receiver shall not be deemed to have occurred and our obligation to complete a Payment Instruction shall not begin until such time as the Receiver provides us with (or we otherwise obtain) all required information necessary to process the related Payment Instruction in accordance with this Agreement.

Any cancellation of a Payment Instruction prior to the Receiver providing us with such information shall be subject to the "Payment Cancellation, Stop Payment Requests and Refused Payments" Section, below.

Receiving Payments.  If another person wants to initiate a Payment Instruction (including in response to a Popmoney Request, if applicable) using the Popmoney Service to an Eligible Transaction Account you hold or, as applicable, if you as a Requestor want to initiate a Popmoney Request, he, she or you can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Popmoney Service or at the Popmoney Website.   Or, as applicable, if another person wants to send you a gift card using the Service, he or she can do that from an Eligible Transaction Account at a financial institution that participates in the Service and makes available the purchase of gift cards through the Service. The term "Requestor" shall mean a person or business entity that is sent a Payment Instruction through the Service, and the term "Popmoney Request" shall mean functionality that, if provided to you, allows a Requestor to request that another individual initiate a Payment Instruction to the Requestor through the Popmoney Service. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account. You authorize the Sender, the financial institution which holds the Sender's Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender's initiation of Payment Instructions to you, and, as a Receiver, you may also receive gift cards or Popmoney Requests, each as applicable, from others through the Service. You acknowledge and agree that in the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender's account, or for any other reason, then you hereby authorize us or our Service Provider to withdraw from your Eligible Transaction Account an amount equal to the amount of funds improperly transferred to you. If applicable, if you as a Requestor initiate a Popmoney Request using the Service you acknowledge and agree that as disclosed on the Site (a) the applicable service fee will be deducted from payments received by you from a Sender(s), and (b) no service fee will be charged if you as the Requestor do not receive any payments from the individuals to whom the Popmoney Request is sent. Further details about the foregoing can be found on the Site. You acknowledge and agree that individuals to whom you send a Popmoney Request may not receive, or otherwise may reject or ignore, your Popmoney Request. We do not guarantee that you will receive any payments from individuals by initiating a Popmoney Request.

Payment Cancellation, Stop Payment Requests and Refused Payments.  Sender may cancel the initiation of a Payment Instruction or stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver's Eligible Transaction Account has begun. Our ability to stop a Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver's Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request and to recover funds associated with an unauthorized Payment Instruction, we will have no liability for failing to do so. We may also require you to present your stop payment request or request to recover funds in writing within fourteen (14) business days after contacting customer care. If we charge you to stop the payment or recover funds, then the charge for each stop payment or fund recovery request will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver will be automatically cancelled ten (10) business days after the processing of the payment begins. When a Sender initiates a Payment Instruction, the Receiver is not required to accept the payment. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver's decision to accept or not to accept a Payment Instruction initiated or attempted through the Service. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such payment to you as permitted by law.

Mobile Phone Users.  Your phone service provider is not the provider of the Service. Users of the Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. Data and messaging charges from your telecommunications provider may apply, and you are responsible for any such charges. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised. If you have questions about mobile service, you may send a text message with the word "HELP" to this number: 767666. To stop receiving text messages on your mobile phone, text "STOP" to this number: 767666.

Refused Payments.  We reserve the right to refuse to pay any Receiver. We will attempt to notify the Sender promptly if we decide to refuse to pay a Receiver designated by the Sender. This notification is not required if you attempt to make a prohibited payment under this Agreement.

Returned Payments.  In using the Service, you understand that Receivers may reject Payment Instructions or otherwise return payments. We will use reasonable efforts to complete Payment Instructions initiated through the Service.

Check Stop Payment Services

You may request a stop payment on a check issued on your deposit Account(s) by completing the form presented as part of the check stop payment Service and submitting all the required information to us ("Check Stop Payment").  All Check Stop Payment requests, renewals, and revocations of stop orders will be subject to our current policy on stop payment requests.  For significant or material items, contact us by coming to one of our branches or by telephone in addition to using the Services for Check Stop Payment.  You are responsible for reviewing all information available to you to determine whether the check has already been paid, including your account statements.  Information available online may not include sufficient historical information to verify whether the check has been paid.  Your receipt of a Check Stop Payment confirmation via the Service, or acceptance of your request via the Service, does not conclusively represent whether or not the check has already been paid.  We may accept a Check Stop Payment request from you with respect to a check that has already been paid, and we will have no obligation to determine or notify you that such check was previously paid.  In any event, we must receive your Check Stop Payment request sufficiently in advance to provide us with a reasonable opportunity to process your request in sufficient time prior to presentment of the check.   There will be a fee assessed for each Check Stop Payment request whether or not we receive the request in time to place the Check Stop Payment.  Refer to the Account Agreement for the current fee.

You must give us timely, complete, and accurate information as prompted by the Service, including the account number, check date, payee, EXACT amount of the check (dollars and cents), and the check number.  If any information is incomplete or inaccurate, we will not be responsible for failing to stop payment on the check.

You may use the Check Stop Payment Service to stop payment on checks that you have written against your deposit Accounts.  If you wish to cancel or amend any other Service transaction, you should use the process applicable to that Service, and you will be subject to any limitations or inability to stop applicable to that Service.

You may not use the Check Stop Payment Service to stop payment on any ACH/EFT transaction, point-of-sale ACH/EFT transfer; any cashier's check, certified check or other official institution check you have purchased from us or any check which we have guaranteed.  You understand that your Check Stop Payment request is conditional and will not be effective if we have not had a reasonable opportunity to respond to your request, or that stopping payment may subject us to risk of loss or damages under any law or regulation (including clearing house or other processor rules).

A Check Stop Payment request against a check is effective only against the check that is described in the Check Stop Payment request form; and does not cancel or revoke any authorization for future or recurring ACH/EFT transfers by you or by the same biller or originator.  A Check Stop Payment request is effective for six (6) months only and will expire automatically, at which time you are responsible for any renewal desired by you for another six (6) month term.

You assign to us your rights against the payee or any other holder of any check on which you have requested a Check Stop Payment, and you agree to cooperate with us in any legal action we may take against such persons.  You should be aware that a holder of a check may be entitled to enforce payment against you notwithstanding an electronic stop payment order.  Your obligations under this subsection will survive termination of this Agreement.

Loan Account Services

Generally, the loan account services ("Loan Account Service(s)") include your ability to initiate linked loan Account advances and payments.  You will also be able to view your recent linked loan Account payment history, insurance and tax information.

Advances and payments.  You may use these features to facilitate advances and payments from or to your linked loan Account ("Loan Transfer(s)").  When using the Loan Account Services ("Service"), you must designate the deposit Account ("Loan Transfer Deposit Account") to or from which the Loan Transfers are to be applied.  The Loan Transfer Deposit Account may include an eligible deposit Account you maintain with us or an external account (payments only) that you maintain with your other financial institution.  You must not use the Loan Account Service to transfer funds to or from an account that you do not own.  Transactions posted to your account as of a certain business day may not be reflected in account balances reported by the Loan Account Service until the following business day.  Information on transfers to or from your accounts with us will be reflected on your periodic statements, will be available to you online, and can be obtained by calling Loan Customer Service at (877)639-6898.

Sufficient Funds; Payment Account Ownership.  You represent that you have sufficient available funds in your Loan Transfer Deposit Account to facilitate a loan Account payment, also that your advance on the loan Account is permitted pursuant to the underlying loan agreement. 

One-Time Transfer. Loan Transfers can be made in two ways, on a one-time or recurring basis. One-time Loan Transfers may be immediate or scheduled for a future processing date ("Processing Date").  If you select a Processing Date that is not a business day or submit your Loan Transfer instruction after the Loan Transfer cutoff hour for that date, then the Processing Date will be the next business day.  One-Time Transfer instructions, once scheduled, may be cancelled through online banking up to 7:59PM on the transfer Processing Date.

Automatic Loan Payments.  You can use the Loan Account Service to schedule recurring Automatic Loan Payments ("ALP") to be processed from the Loan Transfer Deposit Account you identify on a specific Processing Date. The ALP must be for the "Regular Loan Payment" or a "Fixed Amount," (which must include your regular monthly and/or current payment amount due) .However, if a Processing Date is schedule to occur on a non-business day, then that ALP Processing Date may be the next business day.  Recurring Automatic Loan Payments ("ALP") must be cancelled or changed at least 3 business days before your loans current payment date.   

Scheduling Payments in Advance of the Due Date.  You are responsible for ensuring that you initiate a Loan Transfer payment instruction in time for the payment to be received by us before its due date (without taking into account any grace period) ("Due Date").  We are not responsible for any damages, costs or fees you may suffer if you do not allow sufficient time between the Processing Date and the Due Date.

Erroneous Transfer Instructions.  You assume sole responsibility for accurately describing transfer amounts, dates, accounts, financial institutions, addresses and any other information required for your input by the system.  We are not responsible for confirming such information, or for identifying or refusing to process duplicate transfer instructions.  If you give us a Loan Transfer instruction that is incorrect in any way, you agree that we may charge your account for the transfer whether or not the error could have been detected by us.  We are not obligated to detect or correct errors in your Loan Transfer instructions.

Notice of Returned ACH Loan Payments.  We may notify you by phone or electronic transmission, including email U.S.P.S. mail of the receipt of a returned Loan Transfer from the ACH no later than one (1) business day after the business day of receipt.  Except for a Loan Transfer retransmitted by you in accordance with the requirements of the Loan Account Service, we shall have no obligation to retransmit a returned Loan Transfer if we complied with the terms of this Agreement with respect to the original Loan Transfer request.

ACH Entries; Provisional Credit.  To the extent Loan Transfers are made through the Automated Clearing House Network ("ACH") they are subject to the rules of the ACH, and you agree to be bound by the Operating Rules of the ACH, including the rule making payment to the recipient provisional until receipt by the recipient's bank of final settlement of the credit transaction.  You agree that any credit by us to you for any Loan Transfer is provisional until we have received final settlement for such Loan Transfer.  We may delay availability of provisional credit at our discretion.  If final settlement is not received, we are entitled to and you agree to pay a refund of the amount credited; we may charge your account for the amount due.  We may refuse to permit the use of any amount credited for a credit reversal if we believe that there may not be sufficient funds in your account to cover charge back or return of such reversal.

Inconsistencies.  If a beneficiary of a payment order is identified by both name and account number, payment may be made by us and by any other financial institution based on the account number even if the name and the account number are not consistent or identify different parties.  If an intermediary bank or a beneficiary's bank is identified on a payment order by both name and identifying number, we and other financial institutions may rely on the identifying number even if the name and the identifying number are not consistent or identify different parties.

Payment Methods.  We reserve the right to select the method in which to facilitate Loan Transfer requests.  These payment methods may include, but may not be limited to, an electronic payment, an electronic check payment (where the check is drawn off our third party service provider's account), or a demand draft payment (where a negotiable instrument is created and drawn off of your Account).  We do not guaranty when payments made by check will be delivered by the U.S. Postal Service.  You are responsible for scheduling payments to be made in a timely manner.  We are not responsible for delays in the postal system or automated clearing house, or for any action or omission by a recipient/payee.  You may only transfer funds within the United States. 

Investment Account Information Services

Investment accounts are not FDIC or otherwise federally insured; are not guarantees or obligations of Fremont Bank; and are subject to investment risk, including possible loss of the principal invested. 

The Services allow you to view certain wealth management and investment account details.  The wealth management and investment account products, services and information are provided by a third party.  Information may not include "real time" data.  The Services are not a substitute for legal, tax, or financial advice or planning.  You acknowledge that the Services, Fremont Bank, its employees, and Service Providers are not intended to provide legal, tax or financial advice or planning.  The Services are merely a tool for use to assist your independent decision-making and have not been designed in contemplation of your specific needs or risk tolerances.  Prior to making any financial decisions, communicating or taking any action with respect to information made available using the Services, you represent that you will have obtained appropriate and independent legal and tax advice regarding the same, as you deem appropriate.

Account Alerts 

The account Alerts feature is a convenience tool that permits you to request automated notification in specific situations by text message or email.  By setting up the Alerts feature, you authorize us to send the communications by email or text message, to any address or mobile number we have on file for you.  Alerts do not replace standard communications you receive from us concerning your accounts.  If you elect to receive Alerts by text messaging from us, you acknowledge that such messages will be automatically sent to your wireless access device.  You assume all responsibility for the secure receipt of the text messages and acknowledge that these Alerts are not sent through a secure channel and may be intercepted or read by others.  Receipt of Alerts may be delayed, or prevented by factor(s) affecting your access, including your Internet service provider(s), phone operator(s), and other relevant entities.  We do not guaranty the delivery or the accuracy of the contents of any Alert.  We will not be liable for losses or damages arising from: (i) non-delivery, delayed delivery, or wrong delivery of any Alert: (ii) inaccurate content in an Alert; or (iii) your use or reliance on the contents of any Alert for any purposes.  We reserve the right to terminate any request from you for any Alert, at any time.  Your wireless carrier's normal fees and charges, such as charges for text messages, will apply.  The information in any Alert may be subject to certain time lags and/or delays.  You may stop or suspend Alerts at any time. 

Mobile Banking

Mobile Banking provides wireless access to the Services, as well as the ability to deposit checks to your linked Accounts ("Mobile Deposit").   Some Services may not be accessible while using your wireless access device ("Wireless Access Device").  Additional Mobile Banking Services may be added to or removed by us from time to time.  Some Mobile Banking Services may not be available without special application to and approval by us, may be limited to specific types of accounts, and may require you to agree to additional terms and conditions which may be presented online at the time the feature is activated.

Access and Use.  Once you have enrolled for Mobile Banking, designated accounts linked to your Security Codes will be accessible through your Wireless Access Device.  Additionally, to access and utilize Mobile Banking you will need a compatible Wireless Access Device.  Your Wireless Access Device must be Internet enabled and connected to the Internet through your mobile communications service provider.  In order to properly use Mobile Banking, you should review and follow the instructions provided on our website, or otherwise in our online banking system.  You agree to accept responsibility for learning how to use Mobile Banking in accordance with the online and mobile application instructions and agree that you will contact us directly if you have any problems with Mobile Banking. You also accept responsibility for making sure that you, and anyone acting on your behalf, know how to properly use the Wireless Access Device.  If you obtain a different Wireless Access Device, you will be required to download and install software to that different Wireless Access Device, under the same terms set forth in this Agreement, as amended.  You agree to delete all such software from your Wireless Access Device promptly if the licenses or this Agreement terminate for any reason.  We reserve the right to change, add to, or terminate services with our third-party software providers, to substitute different software providers, and to enter into or arrange for the provision Mobile Banking Services by other licensors and third-parties.

You agree to exercise due care in preserving the confidentiality of any user identification, password, test key, or other code or authentication method provided by us or otherwise required for use of Mobile Banking and shall further prevent the use of Mobile Banking by unauthorized persons.  You assume full responsibility for the consequences of any missing or unauthorized use of or access to Mobile Banking or disclosure of any confidential information or instructions by you, or anyone acting on your behalf.

Hardware and Software.  You are responsible for obtaining and maintaining the compatible Wireless Access Device required to use Mobile Banking.  To the extent we, in our sole discretion, provide any hardware in conjunction with Mobile Banking, the hardware will at all times remain the sole property of Fremont Bank.  Upon termination of Mobile Banking, you must promptly return any hardware that we provided to you.

To the extent Mobile Banking involves our having granted you software license ("software") usage rights, such grant shall be a personal, non-exclusive, non-transferable right to access and use Mobile Banking in connection with your use in accordance with this Agreement.  Mobile Banking does not involve the sale of software.  Nothing in this Agreement will entitle you to receive technical support, telephone assistance regarding the software, or updates to software.  Upon termination, you agree to immediately destroy all copies of any software which had been downloaded to your Wireless Access Device or otherwise in your possession and control as part of your access and use of Mobile Banking.  You acknowledge that your license to use any software that may be required for Mobile Banking is directly from the software provider, pursuant to the license agreement that appears when any such software is electronically accessed by you or otherwise provided to you.  By enrolling in portions of Mobile Banking relating to those software systems and programs, and by downloading and installing Mobile Banking software, you will be evidencing your acceptance of the terms and conditions of those licenses.  We may also condition your use of Mobile Banking upon you affirming such licenses by the use of "Accept" or similar dialogue box acknowledgements, or by other affirmative or use-based acknowledgement and agreement systems. 

Mobile Deposit.  The Mobile Deposit feature enables you to use a software application together with your Wireless Access Device to create electronic images of the front and back of certain Original Checks (defined below) and transmit those images and other information, including, without limitation, information captured from the magnetic ink character recognition ("MICR") line, to us for review and processing in accordance with this Agreement.

Definitions.  In addition to the terms otherwise defined in this Agreement, the following terms will have the meaning provided in this "Mobile Deposit" Section:

"Check" means an Original Check, as defined in Regulation CC.

"Endpoint" means any Federal Reserve Bank, financial institution, local clearing house, courier or other entity or location for the delivery of cash letters or other presentment of Imaged Items or Substitute Checks.

"Imaged Item" means the digitized image of a Check that is created by you and transmitted to Bank using the Mobile Deposit Service.

"Image Exchange Item" means a digitized image of an Item cleared and settled directly with a Payer Financial Institution without conversion to a Substitute Check.

"Item" means a Check that is payable on demand, drawn on or payable through or at an office of a United States Financial Institution and payable or indorsed to you, and includes Original Checks, Substitute Checks and Image Exchange Items.  Such term does not include Non-cash Items or Items payable in a medium other than United States money.

"Mobile Deposit Services" means the Mobile Deposit Services described in this Agreement, to be provided by Bank to you to enable the processing of Items digitally as Image Exchange Items through image exchange networks or through creation of Substitute Checks and presentment to established Endpoints, including collectively the procedures, protocols, and software used by Bank and its licensors and contractors in connection with the electronic processing of Items. 

"Non-cash Item" means an Item that would otherwise be an Item, except that:  (i) a passbook, certificate or other document is attached; (ii) it is accompanied by special instructions, such as a request for special advice of payment or dishonor; (iii) it consists of more than a single thickness of paper, except an Item that qualifies for handling by automated check processing equipment; or (iv) it has not been preprinted or post-encoded in magnetic ink with the routing number of the Payor Financial Institution.

"Non-qualifying Item" means Non-cash Items, Items payable in a medium other than United States money, currency, warrants, Items payable to third parties, Items payable to joint payees (unless payable to the payees alternatively and deposited into an account in the name of all payees), drafts or remotely created checks as defined by the UCC and Regulation CC, respectively, Items that are stale dated by six months or more or postdated, savings bonds, Items payable to "cash," or "holder," Substitute Checks, non-negotiable Items, Items that are payable through drafts, Items that have been returned unpaid for any reason and any Item that exceeds your transaction limitations as established by us from time to time.

"Original" with respect to a Check means the first paper Item issued with respect to a particular payment transaction.

"Payor Financial Institution" means the United States Financial Institution ordered in an Item to make payment to the payee(s) named on the Item.

"Regulation CC" means 12 C.F.R. Part 229, as it may be amended from time to time.

"Substitute Check" means a paper reproduction of an Item that satisfies the requirements and definition of "substitute check" set forth in Regulation CC.

"UCC" means the Uniform Commercial Code as enacted and amended in California.

"United States Financial Institution" means (i) any person, located in the United States, engaged in the business of banking; (ii) a Federal Reserve Bank; (iii) a Federal Home Loan Bank; and (iv) to the extent it acts as a payor, the U.S. Treasury, the U.S. Postal Mobile Deposit Service, or a State or local government.

Your Responsibilities.  In connection with the Mobile Deposit Services, you agree to comply with the following:

  • Each processed Imaged Item must be transmitted in compliance with the terms and conditions of this Agreement;
  • The Imaged Item is a digitized image of the front and back of the Original Check and accurately represents all of the information on the front and back of the Original Check as of the time you converted the Original Check to an Imaged Item;
  • The Imaged Item contains all indorsements applied by parties that previously handled the Original Check in any form for forward collection or return;
  • There will be no duplicate presentment of a Check in any form, including as a digitized image, as a paper negotiable instrument or otherwise and you will be liable for and otherwise assume responsibility for any such duplicate presentment of any Check.  You agree to indemnify and defend us against any and all claims, causes of action or demands arising out of or directly or indirectly related to the duplicate presentment of any Check;
  • Except as otherwise specifically disclosed in writing to us, you are not now engaged, and will not during the term of this Agreement engage, in any business that would result in you being or becoming a "money service business" as defined in the Federal Bank Secrecy Act and its implementing regulations;
  • You will not engage in any activity directly or indirectly related to the use of the Mobile Deposit Service that is illegal or fraudulent;
  • You will only submit Checks for processing to us that meet the definition of "Item" as provided in this Agreement and will ensure that the Items scanned meet the standards for image quality established by the American National Standard Institute (ANSI) required by Regulation CC, or other standards established or required by us or applicable law, as amended from time to time.  You will not process any Non-qualifying Items.  Our processing of any Non-qualifying Items shall not constitute a waiver by us or obligate us to process such Non-qualifying Items in the future.  You agree that we may discontinue processing of Non-qualifying Items at any time, without cause or prior notice;
  • You will not attempt to scan and transmit to us any third party checks, or any Item which is drawn on a deposit account of yours with us or any other financial institution, or a deposit account of any business entity of which you are a principal, officer or authorized signer;
  • You will not attempt to scan and transmit to us any previously truncated and reconverted Substitute Check.  Any previously truncated and reconverted Substituted Check must be physically deposited with us.  Notwithstanding the foregoing, we may redeposit any returned Substitute Check or Image Exchange Item consistent with the terms of the deposit account agreement;
  • You will (i) ensure that Items are restrictively indorsed or otherwise processed to permit only financial institutions to acquire rights of a holder in due course in the collection process of Items, (ii) handle, process, maintain and destroy Original Checks as set forth in this Agreement and in the supporting documentation, and (iii) ensure that no financial institution (depositary, collecting or payor), drawee, drawer or endorser receives presentment or return of, or otherwise is charged for an Item more than once in any form;
  • You will balance the dollar amount of each deposit to the sum of Checks prior to transmitting to us;
  • You will: (i) maintain a daily control record of all Checks, including transaction counts and dollar amounts; and (ii) balance transactions transmitted from the previous day and immediately notify us of any error or discrepancy discovered;
  • You shall be responsible for verifying our receipt of your transmission(s) by verifying that deposits have been posted to the appropriate accounts, in addition to cooperating with us in any investigation and resolving any unsuccessful or lost transmissions;
  • You shall be responsible for installing and implementing any changes and upgrades to the Mobile Deposit Service as required by us within 5 days to ensure compliance with regulatory changes or developments, or to protect the integrity and security of the Mobile Deposit Services.  You will ensure that your Wireless Access Device is clean and operating properly, and inspect and verify the quality of images and ensure that the digitized images of Items are legible for all posting and clearing purposes;
  • You agree to indicate that the Item has been deposited via the Mobile Deposit Service by writing the word "Processed," the phrase, "mobile deposit XX/XX/XX (date)," or similar on the front of the Item, once the Check has been scanned and transmitted.  If not directed otherwise by us, you will store Original Checks in a safe and secure environment for not more than fourteen (14) business days after such Item has been digitized and processed.  You shall take appropriate security measures to ensure that: (a) that the information contained on such Original Checks or on any corresponding Imaged Items are not disclosed to third parties; (b) such Checks will not be duplicated or scanned more than one time; and (c) such Checks will not be re-deposited or renegotiated in any form.  You will promptly (but in any event within 5 business days) provide any retained Original Check (or, if the Original Check is no longer in existence, a sufficient copy of the front and back of the Original Check) to us as requested to aid in the clearing and collection process to resolve claims by third parties with respect to any Item or as we otherwise deem necessary.  You will use a commercially reasonable method which is consistent with any requirements of Regulation CC and the Bank to securely and permanently destroy Original Checks after your retention period has expired;
  • You understand and agree that an Item that is not paid by a Payor Financial Institution, or is otherwise returned for any reason, will in our discretion be: (i) re-presented to the Payor Financial Institution; or (ii) returned to you and your account charged for the amount of the Item plus any associated fees as disclosed in our applicable fee schedule, which may be changed from time to time in our discretion.  You agree that Items may be returned as Image Exchange Items, rather than Substitute Checks.  Our right to charge your account will apply without regard to whether the Item is timely returned to us or whether there is any other claim or defense that the Item has been improperly returned to us.  If the maker of a Check or another third party makes a claim against us or seeks a re-credit with respect to any Check processed through this Service, we may provisionally freeze or hold aside a like amount in your account pending our investigation and resolution of the claim.; and
  • You agree to make all encoding, transfer, presentment and other warranties made under applicable law as we are deemed to make under applicable law, including without limitation those under the UCC, Regulation CC and the rules of any image exchange network.

Processing.  For all Imaged Items processed pursuant to this Agreement, either: (i) digitized images will be converted to Substitute Checks and presented for payment to established Endpoints, or (ii) Imaged Exchange Items will be presented for payment through image exchange networks.  We may in our sole discretion determine the manner of processing. Your account will be provisionally credited upon our acceptance of Imaged Items for deposit which are received by us from you through the Mobile Deposit Service.

We will process any returned Items in accordance with applicable law and the deposit account agreement. Availability of credit from Items processed under this Agreement will be subject to our then current availability schedule, which may be amended by us from time to time.  We may at our sole option, with or without cause, at any time and from time to time, refuse to process any Imaged Items.  We may from time to time establish and amend exposure limitations and assign them to you.

Notwithstanding any provisional credit that may be applied to an account in connection with your transmitted Imaged Items, Imaged Items processed for deposit through the Mobile Deposit Service will be deemed to have been received by us for deposit at the time the Imaged Items are actually received and accepted at the location where we or our designated agent posts the credit to the account.  A deposit of Imaged Items will be deemed to have been received and accepted by us for deposit when all of the following have occurred: (i) we have preliminarily verified that the image quality of the Imaged Item is acceptable to us in our discretion, all Item information is complete and the deposit totals are balanced to the Item information provided for the deposit; and (ii) we have successfully performed all further validation routines with respect to the deposit.  Notwithstanding the foregoing, Imaged Items received by us for deposit may be rejected by us in our sole discretion. 

You agree to view the images of each scanned Item that is sent to us.  If Item information received by us is not complete or cannot be processed by us for any reason, we may reject the Imaged Item, notwithstanding any transmission confirmation and charge the amount back against any provisional credit to your account.  You will be responsible for verifying our receipt of your transmissions by verifying that deposits have been posted to your account.

If an Imaged Item is not accepted for deposit, you may then submit the Original Check to us for processing or contact the maker to reissue the Check.  If you submit the Original Check for processing, we reserve the right to refuse to process the Check for deposit and presentment to the Payor Financial Institution and may instead require you to have the maker reissue the Check.

Reserves; Security Interest; Held Funds.  In addition to any other rights we may have under this Agreement and otherwise with regards the accounts of yours, we may hold and use funds in any account following termination of this Agreement for such time as we reasonably determine that any Item processed by us prior to termination may be returned, charged back or otherwise a cause for any loss, liability, cost, exposure or other action for which we may be responsible.  Without limitation, you recognize that under the UCC, Regulation CC, the Electronic Check Clearing House OrganizationTM ("ECCHO") Rules (as applicable), and the rules of any image exchange network, our representations and warranties with regards to Image Exchange Items and Substitute Checks may expose us to claims for several years following processing of the Image Exchange Item or Substitute Check.

Your Indemnification Obligation.  In addition to any indemnification obligations you have under the Agreement, and except to the extent expressly prohibited by applicable law, you agree that you will indemnify and hold us harmless against any and all third party suits, proceedings, claims, demands, causes of action, damages, expenses (including reasonable attorneys' fees and other legal expenses), liabilities and other losses that result from or arise out of:  (i) any fine, penalty or sanction imposed on us by, any clearing house, or any governmental entity, arising out of or connected with any Imaged Item processed by us for you or at your instruction; (ii) actions by third parties, such as the introduction of a virus that delay, alter or corrupt the transmission of an Imaged Item to us; (iii) any loss or corruption of data in transit from you to us; or (iv) any claim by any recipient of a Substitute Check corresponding to a Check processed by you under this Agreement, that such recipient incurred loss due to the receipt of the Substitute Check instead of the Original Check.

Our Liability.  In addition to our limitations on liability that may be stated elsewhere in the Agreement and the deposit account agreement, and except to the extent prohibited by applicable law or regulation, we will not be liable to you for any refusal of a Payor Financial Institution to pay an Image Exchange Item or Substitute Check for any reason (other than our breach of contract, gross negligence or willful misconduct), including without limitation, that the Original Check, Image Exchange Item or Substitute Check was allegedly unauthorized, was a counterfeit, had been altered, or had a forged signature.

Relationship to Third Party Agreements.  You agree that, when you use Mobile Banking Services, you remain subject to the terms and condition of your existing agreements with any unaffiliated service providers, including, but not limited to your mobile service provider.  You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider), and you agree to be solely responsible for all such fees, limitations and restrictions. You also agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems pertaining to your Wireless Access Device or mobile services with your provider directly.

Security of Data in Transition and Storage.  You expressly acknowledge that any wireless access to your accounts may not be secure and, as such, you assume the risk associated with unauthorized access to Mobile Banking and any information contained therein, resulting from such wireless connectivity.  You assume all risk that any information you download or otherwise stored on your Wireless Access Device may be accessed by unauthorized third parties.  Without limiting the foregoing, you acknowledge that your Wireless Access Device may become subject to unauthorized tracking, "hacking" or other manipulation by spyware, viruses or other malicious code ("malware").  We are not responsible for advising you of the existence or potential effect of any malware.  Your use of your hardware and software is at your own risk.

We are not responsible for the security and confidentiality of information when you: (i) use wireless connections to download your account information, in which case you acknowledge such connection may permit other persons to access the information being downloaded, or (ii) allow other persons access to your Wireless Access Device.  You agree that any account information that you download is done at your own risk, and you are solely responsible for any damage that might occur to the electronic device to which you download any information, or any loss or corruption of data that might occur as a result of the downloading or its storage on an electronic device. 

YOU AGREE TO TERMINATE MOBILE BANKING, OR DISABLE YOUR REGISTERED WIRELESS ACCESS DEVICE FROM MOBILE BANKING IMMEDIATELY IN THE EVENT YOUR REGISTERED DEVICE BECOMES LOST, STOLEN OR IS NO LONGER IN USE BY YOU.

Security Interest in Accounts

You grant us a security interest in all accounts or other deposits (whether general or special) of yours at Fremont Bank, to secure your obligations to us under this Agreement.  This security interest will survive termination of this Agreement.  We may hold any funds on deposit with us by you after termination of this Agreement for up to 90 days following the expiration of any return or chargeback rights or, if later, until any other claims to such funds have expired. 

Use of SMS Messaging

You may receive SMS text messages relating to the Service, your account and transactions from time to time.  In addition to the Alerts you request, you authorize us to send emails and SMS text messages to you in connection with the Service, your accounts and transactions at any email address or mobile phone number any of you provide to us.  Your wireless carrier's normal rates and fees, such as text messaging fees, will apply.  To stop receiving SMS messages you can initiate the opt-out process by sending an SMS text message.  Just text "STOP" to this number: 99588.  We may suspend or terminate your use of the Service if you elect to stop receiving SMS text messages.  For help, text "HELP" to 99588

Fees and Charges

Our current fees and charges for the Service are as follows:

Bill Payments (each) $9.95, Same-Day
  $14.95, Next-Day
  $0, Standard
A2A (each) $5.00, Express
Popmoney (each) $5.00, Next-Day
Preauthorized Payments Stop Order (per stop): $30.00

 

We may impose new fees and charges, or increase or change existing fees and charges.  We will provide advance notice of these changes to you if required by law.  Other fees may be assessed and billed separately by your Internet and/or telephone service provider.  You agree to pay all fees and charges we impose.  You authorize us to charge the designated Account and/or any other account you hold with us to cover your fees and charges. You also authorize us to charge you according to our then current fee schedule.Without limiting the foregoing, you agree that you are responsible for paying all fees associated with your use of the Service. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Service or Site. Any applicable fees will be charged regardless of whether the Service was used, except for fees that are specifically use-based. Use-based fees for the Service will be charged against the Account that is debited for the funds transfer. There may also be charges for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from the applicable Eligible Transaction Account you hold with us or the Account that is debited for the funds transfer, depending on how such charges are described in the user interface for the Service. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and Internet service provider. The Section titled "Failed or Returned Payment Instructions" applies if you do not pay our fees and charges for the Service, including without limitation if we debit the External Account for such fees, as described in this Section, and there are insufficient fees in the External Account; the "Failed or Returned Payment Instructions" Section should be interpreted as applying to the External Account, not just the Eligible Transaction Account, in such circumstances.To the extent permitted by law, you give us the right to set off any of your money or property which may be in our possession against any amount owed to us under this Agreement.  This right of set off does not extend to any Keogh, IRA account, or similar tax-deferred deposit.

Business Days

Except to the extent otherwise provided in this Agreement and for the purpose of this Agreement, our business days are Monday through Friday, Saturdays, Sundays, and federal holidays are excluded

Hours of Operation; Interruption in Services; Changes

You will generally be able to use Services seven days a week, 24 hours a day.  However, a Service may not be available due to system maintenance or circumstances beyond our control.  Services may be added, cancelled or limited at any time or from time to time, with or without cause or notice (except as required by law).

Harm to Computer Systems/Data

You agree that we will not be liable for viruses, worms, Trojan horses, or other similar harmful components that may enter your computer system by downloading information, software, or other materials from our site.  We will not be responsible or liable for any indirect, incidental or consequential damages that may result from such harmful components.

Uploaded Content, Linked Sites and Advertisements

From our website or while using the Services, you may be able to access uploaded content provided or operated by third parties.  Unless we tell you otherwise in writing, we do not operate or control any such content or any of the information, products or services on such linked websites.  You acknowledge and agree that: (i) you access such content and linked sites at your own risk; (ii) we make no representation or warranty, and assume no responsibility for, content on our website and any linked site or the actions or omissions of its/their owners, operators or providers (iii) we make no endorsement of, and assume no responsibility for, content uploaded to our website or goods or services offered on or advertising on or by any other website; (iv) by using other websites and Services, you may be exposed to content that is offensive, indecent or objectionable; and (v) although we may have a contractual or other relationship with the operators of a linked website or the providers of content, we will not be responsible for the content, accuracy, integrity, availability, timeliness or operation of their website or content.  You agree to hold us harmless in connection with all of the foregoing.

We reserve the right, but shall have no obligation, to reject, move, or delete content that we, in our sole discretion, believe violates this Agreement, or contains content, including viruses, that may interfere with the operation of our website.  We may, but have no obligation to, monitor, and/or retain copies indefinitely of, uploaded content, message boards, chat rooms or other forums or review content, or messages posted at such locations, to confirm their compliance with these guidelines.  We shall have the right, but not the obligation, to disclose content to any third party if required by law or if we believe reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims that any content violates rights of third parties; or (d) protect our rights, property, or personal safety, or those third parties.

Third Party Content

We may receive, process, and make available to you content that we receive from you and others.  In this regard, we are merely a passive conduit for such content, although we reserve the right to block or remove any content that we believe violates this Agreement.  We assume no responsibility for determining the accuracy, reliability, timeliness, ownership, legality, appropriateness or completeness of any information that you or others provide to us, nor for any mistakes, defamation, slander, libel, omissions, falsehoods, obscenity, pornography or profanity on such sites.  We will not have a duty to interpret or evaluate any content transmitted to us or through our website or Services, except to the limited extent, if any, set forth in this Agreement.  We will not be required (by means of any security procedure or otherwise) to detect errors or illegality in the transmission or content of any content we receive from you or third parties.  We will not have a duty to notify you about any inaccuracy, unreliability, ownership, incompleteness or other problem that may be associated with third party content on our website, even if we have reason to know of its existence.  Use of any content you obtain from our website is at your own risk. 

User Communication and Personalization Settings

Our website and Services may permit you to send or receive communications and to store content and personalized settings for various options.  We are not responsible for any delay, deletion, alteration, mis-delivery or failure to deliver or store any such communications, content or settings. 

Idea Submission

If you submit any materials or other information to any public areas of our website (such as bulletin boards, guest books, forums, wish lists and chat rooms), you hereby grant us a non-exclusive, worldwide, royalty-free, fully paid-up, perpetual, sub-licensable, assignable, transferable, irrevocable license under copyright and patent, with the unrestricted right to use, self, reproduce, distribute, transmit, create derivative works of, publicly display, and publicly perform any such materials and other information (including, without limitation, ideas contained therein for new or improved products and services) by all means and in any media now known or hereafter developed or commercialized.  In addition, you represent and warrant to us that you have the right to grant to us the foregoing license. 

Our Intellectual Property

You acknowledge and agree that the software and content used by us in the operation of our website and provision of the Services, and the copyright patent, trademark, trade secret and all other rights in and to the technology, software, content, designs, graphics, and trademarks included by us on our website and as part of the Services and our name and product names and the website's URL (collectively, by the "Intellectual Property"), are owned by us and our licensors.  As such, you will not gain any ownership or other right, title or interest in or to such Intellectual Property by reason of this Agreement or otherwise. 

Without limiting the foregoing, all other marks and logos related to the Service are either trademarks or registered trademarks of us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress or those of our licensors. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that is disparaging to us or the Service or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the Service, the portion of the Site through which the Service is offered, the technology related to the Site and Service, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property or that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Site or Service shall be considered an uncompensated contribution of intellectual property to us and our licensors, shall also be deemed our and our licensors' exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us and our licensors 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.

Further, you many not distribute, use, reproduce, duplicate, copy, publish, sell or otherwise transfer (i) any portion or element of the Services or the Intellectual Property (ii) use of our website, Services or Intellectual Property, or (iii) access to our website Services or Intellectual Property.  Further, you may not (a) create derivative works of any portion or element of our website, Services or Intellectual Property; (b) reverse engineer, modify, decompile or disassemble any of the Intellectual Property; (c) deactivate or disable any password protection or other protection, security or reliability technology we incorporate in our website or the Services; (d) modify or erase any copyright or trademark notice we place at our website; (e) engage in the practice known as "screen-scraping" or otherwise attempt to, or actually, obtain copies of content provided at the site or a list of our content or site users, or use computer programs (sometimes known as "scraper," "spiders," "robots," or "bots") to systematically access and download data; (f) access the Services by any means other than via our website; (g) frame our website or any Intellectual Property; or (h) use any circumvention tools, meta tags or any other "hidden text" utilizing our name, trademark, URL, product name or Intellectual Property.  You agree to comply with the terms of any license agreement we make available to you with any software.

User Conduct

You agree not to use the Service or the content or information in any way that would: (a) infringe any third party copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of the Service to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination, false advertising or illegal Internet gambling); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or Service Providers, or cause us to lose (in whole or in part) the services of any of our Service Providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to the Service; or (i) use the Service in such a manner as to gain unauthorized entry or access to the computer systems of others.

No Commercial Use or Re-Sale

You agree that the Service is only for the personal use of the individuals authorized to access your Account information with us.  You agree not to make any commercial use of the Service or resell, lease, rent or distribute access to the Service.

Confirmations and Periodic Statements; Duty to Examine

You agree to examine any confirmations or monthly account statements promptly.  Except to the extent expressly provided otherwise under the "Consumer Liability" and "Errors and Questions" sections below with respect to your duty to review periodic statements and to otherwise notify us of unauthorized electronic fund transfers, you agree to notify us immediately, and in no event later than 30 days after you have received the confirmation or account statement, whichever is received earlier, of the existence of any errors, unauthorized transactions, or irregularities reflected on the confirmation or on the account statement.  If you fail to notify us of any such discrepancy with 30 calendar days of receipt of the confirmation or statement containing such information, you agree that we will not be liable for any other losses resulting from your failure to give such notice or for any loss of interest with respect to a transaction that is or should have been shown.  Except to the extent expressly limited by applicable law, if you fail to notify us of any such discrepancy within one year of receipt of such confirmation or statement, you will be precluded from asserting the discrepancy against us.  For purposes of this Section, you will be deemed to have "received" a periodic statement at the earlier of the time that: (a) we first make it available to you for pick-up; or (b) the statement or the information is mailed or otherwise made available to you electronically.

Preauthorized Payments (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E)

Right to Stop Payment and Procedure For Doing So.  If you have told us in advance to make regular electronic payments out of your deposit Account, you can stop any of these payments.  Here's how:

You may follow the directions provided in the Services, to stop the payment through the Services, or call us at (866)222-6304, or write to us at: Fremont Bank, Attn: Customer Service Center, P.O. Box 5101, Fremont, CA 94537-5101, in time for us to receive your request at least three 3 business days before the payment is scheduled to be made.  If you call, we may also require you to put your request in writing and get it to us within fourteen (14) business days after you call.  We will charge you a fee for each stop payment order you give.  Refer to the Fees and Charges Section of this Agreement for fee details.   A separate process will apply to the extent you wish to initiate check stop payment requests through the Services.  Refer to "Check Stop Payment Services," above, for further details.

Notice of Varying Amounts.  If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be.  (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set). 

Liability for Failure to Stop Payment of Preauthorized Transfer.  If you order us to stop one of these electronic payments three 3 business days or more before the transfer is scheduled to be made, and we do not do so, we will be liable for your losses or damages.

Consumer Liability (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E)

Tell us AT ONCE if you believe any part of your Security Code, including your PIN or password, has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit, as applicable).  If you tell us within two 2) business days after you learn of the loss or theft of any part of your Security Code, including your PIN or password, you can lose no more than $50 if someone used your Security Code without your permission. 

If you do NOT tell us within two 2 business days after you learn of the loss or theft of any part of your Security Code, including your PIN or password, and we can prove that we could have stopped someone from using the Security Code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once.  If you do not tell us within 60 days after the statement was mailed to you, you may not get back any funds you lost after the 60 days if we can prove that we could have stopped someone from taking said funds if you informed us in time.  If a good reason (such as a long trip or a hospital stay), kept you from telling us, we will extend the time periods.

Errors and Questions (applicable to electronic fund transfers to or from a consumer account as provided under the EFTA and its implementing Regulation E)

In case of errors or questions about your electronic transfers, telephone us at (866)222-6304, or write us at: Fremont Bank, Attn: Customer Service Center, P.O. Box 5101, Fremont, CA 94537-5101, as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement.  We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

The dollar amount of the suspected error.

If you tell us orally, we may require you to send us the complaint or question in writing within 10 business days.  We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days to investigate a complaint or question.  If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing, and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.  For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may request copies of the documents that were used in the investigation.

Electronic Check Conversion

You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: (i) pay for purchases; and (ii) pay bills.

Financial Institution's Liability

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your account to make the transfer.

The transfer would go over the credit limit on your overdraft line (if applicable).

Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken.

The computer or related system was not working properly and you knew about the breakdown when you started the transfer.

Your funds are subject to legal process or other encumbrances restricting the transfer.

There may be other exceptions stated in this Agreement and in other agreements with you. 

Limitation on Financial Institution's Liability

Exclusions of Warranties

THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

Limitation of Liability

THE FOLLOWING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING AS DESCRIBED IN THIS AGREEMENT WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. EXCEPT TO THE EXTENT RESTRICTED BY APPLICABLE LAW, OUR AGGREGATE LIABILITY AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. 

You agree to cooperate with us in any loss recovery efforts we undertake to reduce any loss or liability that arises in connection with the Services.  You acknowledge that Service fees have been established in contemplation of:  (A) these limitations on our liability, (B) Your agreement to review statements, confirmations, and notices promptly and to timely notify us of any discrepancies or problems; and (C) Your agreement to assist us in any loss recovery effort. 

In addition to our right to reject transactions as provided elsewhere in this Agreement and our other agreements with you, we will not be obligated to honor, in whole or in part, any transaction or instruction or Communication which:

Is not in accordance with any term or condition applicable to the relevant Service or Account;

We have reason to believe may not be authorized by you or any third person whose authorization we believe is necessary or involves funds subject to hold, dispute, restriction or legal process we believe prevents their withdrawal, transfer or availability;

Would result in us exceeding any limitation of our net funds position established pursuant to present or future Federal Reserve guidelines;

Would violate any applicable law, rule or regulation, or any guidance or directive of any federal or state regulatory authority;

Is not in accordance with any other requirement of our applicable policies, procedures or practices; or

We have reasonable cause not to honor for our or your protection.

Remedies

If we have reason to believe that you have engaged in any of the prohibited or unauthorized activities described in this Agreement or have otherwise breached your obligations under this Agreement, we may terminate, suspend or limit your access to or use of the Site or the Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, we, in our sole discretion, reserve the right to terminate this Agreement, access to the Site and/or use of the Service for any reason or no reason and at any time. The remedies contained in this Section are cumulative and are in addition to the other rights and remedies available to us under this Agreement, by law or otherwise.

Disputes

In the event of a dispute regarding the Service, you and we agree to resolve the dispute by looking to this Agreement.

Arbitration

For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through Judicial Arbitration and Mediation Services ("JAMS"), the American Arbitration Association ("AAA"), or an established alternative dispute resolution (ADR) administrator mutually agreed upon by the parties. The parties agree that the following rules shall apply: (a) the arbitration may be conducted telephonically, online and/or be solely based on written submissions, at the election of the party initiating the arbitration; (b) the arbitration shall not involve any personal appearance by the parties, their representatives or witnesses unless otherwise mutually agreed by the parties; (c) discovery shall not be permitted; (d) the matter shall be submitted for decision within ninety (90) days of initiation of arbitration, unless otherwise agreed by the parties, and the arbitrator must render a decision within thirty (30) days of submission; and (e) any award in such arbitration shall be final and binding upon the parties and may be submitted to any court of competent jurisdiction for confirmation. The parties acknowledge that remedies available under federal, state and local laws remain available through arbitration. NO CLASS ACTION, OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.

Consumer's Indemnification Obligation

Except to the extent prohibited by applicable law for regulation, you agree to indemnify and hold us harmless, including our affiliates, licensors, processors, third party contractors and Service Providers, from and against all claims, loss, damage or liability of any nature whatsoever (including but not limited to attorneys' fees and court costs) arising directly or indirectly out of: (i) your wrongful acts or omissions, or any person acting on your behalf in connection with your use of the Services; (ii) any act or omission of ours that is in accordance with the Agreement and instructions from you; (iii) any claims, loss or damage resulting from your breach of, or failure to perform in accordance with, the terms of the Agreement.  This indemnity will survive the termination of the Agreement.

Release

You release us and our affiliates and Service Providers and the employees and contractors of each of these, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with any dispute that may arise between you or one or more other users of the Site or the applicable Service. In addition, if applicable to you, you waive California Civil Code §1542, which states that a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor.

Documentation

Preauthorized Credits.  If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (866)222-6304 to find out whether or not the deposit has been made. 

Periodic Statements.  You will get a monthly account statement (unless there are no transfers in a particular month).  In any case, you will get the statement at least quarterly.

Receipts and Transaction History.  You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

 

Collection

If we initiate collection proceedings against you in an effort to recover any amounts owed, you agree to reimburse us for all costs and expenses, including attorneys' fees.  "Attorneys' fees" includes reasonable charges for the time expended by in-house counsel.

Prohibited Payments

In addition to the limitations provided otherwise in this Agreement, the following types of payments are prohibited through the Service, and we have the right but not the obligation to monitor for, block, cancel and/or reverse such payments:

  1. Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States); and
  2. Payments that violate any law, statute, ordinance or regulation; and
  3. Payments that violate this Agreement; and
  4. Payments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction; and
  5. Payments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to, casino games, sports betting, horse or dog racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; and
  6. Payments relating to transactions that (1) support pyramid or Ponzi schemes, matrix programs, other "get rich quick" schemes or multi-level marketing programs, (2) are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (3) are for the sale of items before the seller has control or possession of the item, (4) constitute money-laundering or terrorist financing, (5) are associated with the following "money service business" activities: the sale of traveler's checks or money orders, currency dealers or exchanges, or check cashing, or (6) provide credit repair or debt settlement services; and
  7. Tax payments and court ordered payments. In addition to the above-referenced prohibited payments, we may also block and/or reverse payments that involve donations or payments to an unauthorized charity or non-profit organization, unless we have performed appropriate due diligence on and investigation of such charity or non-profit organization and have determined its legitimacy, in our sole discretion. In no event shall we or our Service Providers be liable for any claims or damages resulting from your scheduling of prohibited payments. We have no obligation to research or resolve any claim resulting from a prohibited payment. All research and resolution for any misapplied, mis-posted or misdirected prohibited payments will be your sole responsibility and not ours. We encourage you to provide notice to us of any violations of the Agreement generally.

Acceptable Use

You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way. In addition, you are prohibited from using the Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (j) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. We encourage you to provide notice to us of any violations of the Agreement generally.

Refusal to Process or Delay in Processing

We may delay or refuse to process any requested Service, including payment orders or other money transactions, or any other Communication from you.  We may do so for any reason or for no reason.  We may provide notice to you, but are not obligated to do so.  We may delay or refuse processing, for example, if:  (a) processing would or may exceed the available funds in your affected Account;  (b) the Communication is not authenticated to our satisfaction or we believe it may not have been authorized by you;  (c) the Communication contains incorrect, inconsistent, ambiguous, or missing information; (d) processing would or may involve funds which are subject to lien, security interest, claim, hold, dispute, or legal process prohibiting withdrawal; (e) processing would or may cause a violation of any Laws or Rules applicable to you or to us; or (f) for any other reason under this Agreement.  In addition, we shall be excused from failing to transmit or delay in transmitting an Entry if such transmittal would result in our having exceeded any limitation upon our intra-day net funds position established pursuant to present or future Federal Reserve guidelines or in our reasonable judgment otherwise violating any provision of any present or future risk control program of the Federal Reserve or any rule or regulation of any other U.S. governmental regulatory authority.  You agree that we will have no liability to you or to any other person for any loss, damage or other harm caused by or arising out of any such delay or refusal.

Notices to You

You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) business days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications.

Taxes

It is your responsibility to determine what, if any, taxes apply to the transactions you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.

Severability

Wherever possible, each provision of this Agreement shall be interpreted in a manner which makes the provision effective and valid under applicable law.  If applicable law prohibits or invalidates any part or provision of this Agreement, that particular part or provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement.

Entire Agreement

This Agreement contains the entire agreement between the parties and no statements, promises or inducements made by either party or agent of either party that are not contained in this written Agreement or other documents referenced by this Agreement.

Choice of Law

This Agreement shall be governed by and interpreted in accordance with the laws of the state of California, except where preempted by federal law.

Amendment of this Agreement

We may amend, add to or change this Agreement (including changes in its fees and charges, or Services).  We will provide notice of amendments, additions or changes if required by law.  Your continued use of the Services will constitute your consent to the amendments, additions or changes.

No Waiver

We shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Assignment

We may assign the rights and delegate the duties under this Agreement to a company affiliated with us or to any other party.  You may not assign your rights or obligations under this Agreement, and any effort by you to do so is unenforceable at our election.

Termination; Suspension; Delay

We may terminate or suspend this Agreement and any service provided hereunder at any time for any reason or for no reason.  Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.  Without limiting the foregoing, we may suspend or terminate your access to any service if you do not access the Services for a period of time as determined in our sole discretion.  We will provide electronic or written notice of termination to you.  Except to the extent restricted by law, we reserve the right to terminate or to discontinue support of any Service, or delay or refuse processing any transaction, without notice.  You may terminate this Agreement upon 30 days written notice to us.  If an Account is closed for any reason, you will no longer have access to the Services for the closed Account and transfers you have scheduled from the closed account will be cancelled once the Account is closed.  Termination of this Agreement will not affect any rights we may have, or any obligations you may have, as to any transaction or Services caused or attempted by you before termination.

 

Commercial Account Use

This Agreement is not intended for use by commercial account holders and any regulatory consumer protections provided to consumer accounts will not apply to commercial accounts under this Agreement.  To the extent commercial accounts are accessed using the Services, the account owner(s) assume full liability for all transactions conducted with their Security Codes.  Further each commercial account owner agrees to the following: (i) to consider the size, type and frequency of the payment orders or other money transactions you will or intend to use Services to accomplish; (ii) to consider the risks presented by the possibility of unauthorized access to these Services, including the risk loss to you that we may process Communications and instructions that are your responsibility even though they were not authorized by you; and (iii) to use Services only after determining, and only for so long as you continue to determine, that the security procedures are a commercially reasonable method of providing security against unauthorized payment orders or other Communications.  Each commercial account owner agrees and acknowledges that the security procedures are commercially reasonable for each of you and that each of you will be bound by instructions or Communications in your name, as set forth above.  Each commercial account owner agrees to notify us if their use of the Services would necessitate or be better served by a level of security that exceeds that offered by the Services.  If you fail to notify us, then each commercial account owner acknowledges and agrees that the security procedures are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.  In addition to the terms of this Agreement, the terms and conditions of the separate Business Online Banking Terms and Conditions will apply to commercial account owner's use of the Service.  In the event of a conflict between the terms of this Agreement and the Business Online Banking Terms and Conditions, the terms of the Business Online Banking Terms and Conditions will control to the extent the Services are accessed by commercial accounts.

ACCEPT OR CANCEL.

Click on the "Accept" button to agree to E-Consent (Part A) and Online and Mobile Banking Agreement (Part B), or select the "Do Not Accept" button to exit from these setup procedures and decline these terms.

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Equal Housing Lender | Member FDIC