Internet Business Banking Service Agreement - Union Bank

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(a) By subscribing to the Alerts feature, you acknowledge and agree that: 1) Alerts are provided solely as aconvenience; 2) Alerts are not a substitute for the periodic statements for your Designated Accounts or anyother notices we may send you about such Designated Accounts, without regard to the manner in which youhave chosen to receive such periodic statements or other notices; 3) such periodic statements and othernotices remain the official records of your Designated Accounts; and 4) your ongoing obligation promptly toreview periodic statements, Customer Notices, and all other correspondence from us regarding yourDesignated Accounts and other services you obtain from us remains in full force and effect.(b) You agree to provide us a valid mobile phone number or email address so that we may send you Alerts.Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses,liability, cost and expenses (including reasonable attorneys’ fees) arising in any manner from your providing usa phone number, email address, or other electronic delivery location that is not your own or that you provide inviolation of applicable federal, state or local law, regulation or ordinance. Your obligations under this paragraphshall survive termination of this Agreement.(c) We may provide Alerts through one or more of: 1) a cellular telephone, by text message, 2) a text or Webenabledmobile device; or 3) an email account. It is your responsibility to determine that each of the Serviceproviders for the communication media described in 1) through 3), above supports the email and/or textmessage Alerts you selected above. You agree that the Alerts are subject to the terms and conditions of youragreements with your service provider(s) and that you are solely responsible for any fees imposed for an Alertby your service providers. By electing Alerts delivery to a Web-enabled mobile or cellular device, you agree toreceive Alerts through that device. Message and data rates may be imposed by your service provider. Thefrequency of Alerts delivered to your mobile or cellular device depends upon the frequency of events triggeringrequested types of Alerts.(d) You acknowledge and agree that: 1) Alerts may not be encrypted and may include personal or confidentialinformation about you and your transactions, such as your name and account activity or status; 2) your Alertsmay be delayed, misdirected, not delivered, or corrupted due to circumstances or conditions affecting yourservice providers or other parties; and 3) we will not be liable for losses or damages arising from (i) any nondelivery,delayed delivery, misdirected delivery, or corruption of an Alert, (ii) inaccurate, untimely orincomplete content in an Alert; (iii) your reliance on or use of the information provided in an Alert for anypurpose, or (iv) any other circumstances beyond our control.18. MOBILE CHECK DEPOSIT. Mobile Check Deposit enables you to deposit checks to your Union Bank depositaccount using an iPhone® or Android TM mobile wireless electronic device. An image of the front and back of thephysical check, taken using the wireless device, is transmitted to us through the Union Bank Mobile Bankingapplication and processed for deposit into your account. Following your deposit, we send email confirmation ofyour deposit to the email address we have for you on record in Online Banking for Small Business. The physicalcheck is not later deposited or processed. For Mobile Check Deposit, you must be a Union Bank customer for atleast 90 calendar days, and account must be in good standing.(a) Mobile Check Deposit is available only for deposits into your Union Bank checking, money market, or savingsaccount. Deposits into a business account in the Service, certificate of deposit, or Portfolio Connection®account, and loan payments are not permitted.
(b) At our discretion, we may establish customer eligibility requirements to deposit checks using Mobile CheckDeposit. We may further establish limits on amount and frequency of deposits. We may change such eligibilityrequirements and deposit limits without prior notice to you. If a deposit exceeds current limits, it will not beprocessed.(c) In order for a check to be accepted and processed using Mobile Check Deposit, it must:1) Be an original paper check; 2) Be payable to you and endorsed by all payees; 3) Be payable in U.S. dollars;4) Be payable at a financial institution in the United States; 5) Be dated within 6 months prior to date ofdeposit; 6) Have all fields completed; and 7) Be legible and in good physical condition.We will not accept a: 1) Third-party check; 2) Substitute check or copy of a check image; 3) Check payable at afinancial institution outside the United States; 4) Check payable in a currency other than U.S. dollars; 5)Travelers’ cheque; 6) Savings bond; 7) Future-dated check; 8) Check dated more than 6 months prior todeposit; or 9) Non-cash item.At our discretion and without prior notice to you, we may further restrict the types and attributes of checksthat will be accepted and processed using Mobile Check Deposit.(d) You agree that, once you have deposited a check using Mobile Check Deposit, you will not cash the check,nor negotiate, transfer or deliver the check to any other person or entity, nor deposit the check again throughMobile Check Deposit, at an ATM, in person at a branch (unless we have directed you to do so), at anotherfinancial institution, or through any other means. Do not destroy the original check until the deposit appears onyour periodic account statement. Until it appears on the statement, you agree to keep the physical checksecurely stored to prevent theft or misuse. After the deposit has appeared on your statement, you agree tosafely destroy the original check.(e) Generally, funds will be available for withdrawal the Business Day after deposit. However, in some cases, wemay delay funds availability up to the 4th Business Day after deposit. We will notify you electronically by emailif we delay availability of your deposit. Funds availability rules set forth in Federal Reserve Regulation CC do notapply to checks deposited using Mobile Check Deposit.(f) We reserve the right to reject a check deposit at the time the deposit is attempted using the wireless device.We further reserve the right, upon subsequent review of the deposited check, to cancel the deposit andreverse prior credit to your deposit account for the amount of the deposited check due to non-negotiability ofthe check or any other reason that we may determine. We will notify you electronically through the mobiledevice of our immediate rejection of a deposit. If we subsequently cancel a deposit and reverse credit to youraccount, we will notify you by email.(g) We may, upon subsequent review of a deposited check, adjust the amount of the deposit to conform to thelegal amount of the check as determined by us. Our determination will be considered final. We will notify youby email of such adjustment.(h) Successful completion of a mobile check deposit is dependent upon a good-quality original check and a clearphotograph of the front and back of the check. You agree that you are responsible for accuratelyphotographing the front and back of the check according to our instructions. You acknowledge that not allchecks that meet our deposit criteria can be successfully deposited through Mobile Check Deposit due to thesensitivity and complexity of image recognition technology or other reasons, such as use of unconventionalcheck stock or failure or interruption of any data transmission channels. You acknowledge and agree that we
Page 1 and 2: Online Banking and Online Banking f
Page 3 and 4: Notice sent to any account owner sh
Page 5 and 6: Web Administrator.Each Web Administ
Page 7 and 8: your Activated Accounts at any time
Page 9 and 10: (d) Payment Authorization and Remit
Page 12 and 13: electronic bills. The time for noti
Page 16: are not responsible for any loss or
Page 19 and 20: and are credited to the receiving a
Page 21 and 22: 26. YOUR LIABILITY FOR UNAUTHORIZED
Page 23 and 24: Business Days after we complete our

Internet Business Banking Service Agreement - Union Bank

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