Internet Business Banking Service Agreement - Union Bank

1. GENERAL. This Online Banking Agreement (“OLB Agreement”) and the All About Personal Accounts &Services Disclosure and Agreement and applicable Fee Schedule or All About Business Accounts & ServicesDisclosure and Agreement and Fee Schedule as applicable (“Account Agreement”) govern the use of UnionBank’s Online Banking Services (the “Service”). Note that any reference to “Internet Business Banking” is nowcalled Online Banking for Small Business and is covered by this OLB Agreement. The terms of this Agreementsupplement, and supersede where inconsistent, the terms of your Account Agreement with MUFG Union Bank,N.A. (“us,” “we” or “Bank”) and/or UnionBanc Investment Services (“Investment Services”). In this Agreement,“you” refers to each person that accesses the Service and each owner of the accounts accessed by the Service.Your use of the Service will be further evidence of your agreement to these terms and the other agreementsthat we provide to you.2. ONLINE SERVICES. The Service allows you to:• Obtain account balance and transaction information for your Activated Accounts (as “ActivatedAccount” is defined in Section 8 below)• Transfer funds internally between Activated Accounts and set up recurring transfers from oneActivated Account to another (recurring transfers must be for the same amount)• Make payments on certain Bank lines of credit, mortgages, or loans• Pay bills to merchants, institutions, or individuals with a U.S. address, including same-day payments forcertain payees (only available in New Union Bank Bill Pay System)• Receive eBills for many of your payees (eBills available in Bill Pay System B and in New Union Bank BillPay System)• Pay your Union Bank credit card bill• Deposit checks to certain types of accounts using a mobile device• Check account balance and transfer funds between Union Bank accounts using a mobile device• View account statements and images of paid checks, deposit slips and deposited items electronically• Receive Customer Notices (as defined in Section 4 hereof) electronically• Request a wire transfer to a destination within the 50 United States• Reorder checks from Deluxe® Check Printers• Request a stop payment on a paper check• Receive account and transaction notices and alertsFor Personal Accounts Only:• Transfer funds between an Activated Account and an account at another financial institution in OnlineBanking• Make person-to-person “Send Money” payments using a mobile device in Online Banking3. ELECTRONIC AGREEMENT. You are agreeing to enter into this OLB Agreement electronically. By yourelectronic agreement, you consent to all terms and conditions governing use of the Service as set forth in thisAgreement. We will make a printed copy of the Agreement available at your request.4. CONSENT TO RECEIVE ELECTRONIC NOTICES. By using the Service, you consent to and agree that:(a) Any notice, record or other type of information that is provided to you in connection with your accounts orthe Service, such as account disclosures, change-in-terms notices, privacy disclosures for consumers (only), feeschedules, transaction notices and alerts, account status notices, service messages, and any other type ofnotice, (each a “Customer Notice”), may be sent to you electronically. A Customer Notice may be provided as aseparate electronic document or may be included in an electronic account statement. An electronic Customer