VEL OCI TY TE RMS OF U SE

Las t upda ted: Ma y 24 , 20 2 1

NO TI CE RE G ARDING ARB IT RATI ON , WAIVER O F TRI AL BY JU RY, AN D CLASS A CT ION S. STRIC TLY AS BETWE EN YO U AND VEL O CITY, TH ES E T ER MS AND C ONDITI ONS (D EFINED B EL OW) C ONTA I N AN AGREEM ENT TO A RBIT RAT E ALL CLAIM S BY YOU AGAI NST US, INCL UDIN G T H OS E RE GAR DI N G DISC LAIM ER S OF WAR RANTIES AND L IA BILITY. THESE TERMS A ND COND ITIONS ALSO ALL OW YOU T O PURSUE CLAI MS AGAI NST US ONLY ON AN I NDIV IDU AL BASIS, A N D NOT AS PA RT OF A NY CLASS O R RE PR ES ENT A TIVE ACT IO N OR P ROCE EDI NG , A ND Y O U MA Y SEEK RE LI EF AG A IN ST US (INCL UD ING MONETA RY, I NJ UNC TIV E A ND DECL ARA TORY RE LI EF) ON L Y ON A N IN DIV ID UAL B ASIS. PL EAS E N OT E THAT YO UR RIGHT S IN RE L ATION TO YO UR FINA NCIA L IN S TIT UT I O N ( INCLUDI N G Y OUR RIGH TS UNDE R ANY ACC O UNT A GRE EME N T) ARE GO V E RN ED BY S EP ARAT E A GRE EMENT .

Your bank or credi t u nion ( “ Financial Ins tit u tion ”) has engag ed Intelligent Lim it S ystem , LLC (“ Velo cit y” , “ILS” , “w e”, “us” or “o ur” ) , a t e chn o logy provider, t o manage on y o ur Finan cial Ins tit u tion ’s behalf , a website w hich allo ws you to convey yo ur decisio n w heth er yo u w o uld lik e t o opt - in t o your Financial

Institutio n’s o verdra ft p ro tection progr am for debit card a nd AT M trans actio ns . As a resul t, your Financial In sti tut ion dire ct e d you to th is Velo cit y - o per ated webs ite. Thes e Term s o f Use ( “Ter ms of Use”) are a co ntract o nly between yo u and Veloci ty ( a North Car o l ina limited lia bilit y compan y) , and

they go vern y o ur acc ess to and use of th e Op t - In Servi ces ( defin ed belo w) . Your Finan cial I nst itut ion is not a par ty to t his contra ct .

As detaile d belo w, any o th er overdra ft - r elated serv i c e s yo u m ay o r may not re c eive based on your dec isio n to o pt - in or to de cli ne such ser vice is o ffere d by your Fin ancial Ins tit u t ion and not b y Velocity . Any transa c ti o n ass o ciate d wit h your ac count, w heth er process ed o r dec li ned, is gov erned b y the accoun t agre ement or o th er c o ntra ct s o r disclos ures betw een you and your Fin ancial Ins tit u t ion o nly . Similarly, a ny other intera c tions be twee n you an d yo ur Finan cial I nstitu tion , o r serv ice s yo u may receive fro m yo ur Fin ancial Ins tit u t ion ( inc lu ding online banking , whi ch ma y occu r o n a website a cc e ss ible fro m o r c los ely res embli n g th is Velo cit y - o per ated we bsite ) , are als o gov erned by sep ara te agree m ents t hat do not involv e V elocity .

We are plea sed to provide you ac cess t o c ertain sys t ems, pro grams, produc ts, me thods and other inte lle ctua l pr o perty, whi c h includ e (i) websites (in cluding , wit ho ut li mit at ion, the w eb pa ge s and so ftware) , applicati o ns ( in clu di ng mo bil e applicatio n s) and c o n tent tha t w e m a y prov ide o r make av ailable fro m ti me to ti m e; (ii) networ k sys tem s a n d acco un ts , i ncl u ding your accou nt to a cc ess the Opt - In S ervic es , wheth er s et u p direc tly wit h i n the O pt - In Servi ces o r by using a single s ign - o n t hro u gh

yo ur acc o un t with your Fin ancial Ins tit u t ion ; and ( iii) n o tific ations fr o m us via e - mail and oth er m e diums, or por tions o f such m e diu ms (co llective ly, “ Opt - I n S e rvices ”).

T he Opt - In Se rvices and your use of them are gov erned not only b y t hese Te r m s o f U se but a lso by our Priv acy Po lic y ( av ailable usi ng t he link at the bo tt o m of this page ) a s well as any o ther poli cie s or terms and c o n diti o ns that are re ferenced h er ein ( colle ct iv ely with thes e Term s o f Use , our “ Ter m s and Co nditi o ns ”) , each o f w hich are e xpress ly inc o rpo rat ed by referen ce i nto thes e Term s o f Use . To the ext e nt that s uch in corpo rated terms c o nflict with thes e Term s of Use , th e i nco rpo rated t er ms will ap ply and c o n trol .

PLEASE READ TH E SE T ER M S AND CO NDI TION S CAR EF ULLY BEFO RE USING TH E O PT - IN S ER V ICE . BY ACC ESSING T HIS V ELOCIT Y - OPERA TED WEBSIT E, BY USI N G TH E O PT - IN S ER V ICE, O R BY CLIC KING T O ACC EPT OR A GREE TO TH E TERMS AND COND ITIONS IF S UCH OPTI ON I S MAD E AVAILAB LE T O YOU, YO U ACC EPT AN D AGREE TO BE BOUND BY T HE TE RMS A ND CONDIT I ONS, INC LUD ING TH E I NCORPO RATE D

TER MS . I F YO U DO N O T A GREE WITH T HE TE RMS A ND CONDIT I ONS OR ANY PORTI ON OF THE TERMS AND CONDIT I ONS ( I NCLUD ING ANY P ORTION OF TH E INCO RPO RAT ED T ER MS RE FERENCED A BOVE) , YO U MUST NOT A CC ESS O R US E T HIS V ELOC ITY - OP ER A TE D WEBSIT E O R T HE OPT - IN SE RVICE . TH ESE TERMS OF US E DESC RIBE THE LIM ITED BASI S O N WHICH OP T - IN SE RVICE S ARE AVA ILA BL E AND, EXC EPT AS S ET FORTH BEL O W, OR U NLES S YOU A R E A PART Y TO A S EPARAT E W R ITTEN A GREE MENT W ITH VELOCIT Y AS A PAYIN G C USTOM E R OF VELOCIT Y, S UP ER S EDE P RIOR A GRE EME NTS OR ARRA NGEMENT S R ELAT ED TO OPT - IN SE RVI CES.

WE MAY IM MED IATEL Y TERMINA TE YOU R ACC ES S TO A NY OPT - IN S ER VIC E IF YOU FAIL TO COM PLY WITH A NY P R OVISIO N OF T HE TE RMS A ND CONDIT I ONS.

1. The Op t - In Serv ice s vs . Y our Ov er dra f t Protecti on

The Opt - In Se rvices in clu d e a web - bas ed int erfa ce fo r yo u t o in dic at e whether you wo uld lik e yo ur Financial In sti tut ion to i nclude your de b it card or AT M trans actio ns in its dis cret iona ry ov erdraf t pro tec t ion pr o gram , wher e yo ur Fi nanc ial Institution is a c lien t o f Velo cit y a nd ha s chos en V elocity to administer di g ital o p t - in r e quests fo r i ts o verdra ft pro gram . Ho wev er, yo u m ay a lso opt - in via o ther met hods whi ch yo ur Finan cial Ins tit u tion mak es av ailable to you . I n addi tion, y o ur Finan cial Ins tit u tion’s o verdra ft p ro gram is gov er ned by yo ur a cc o un t agre e ment and o th er docu men t s o r disclos ures yo ur Financial In sti tut ion may pr o vide to yo u . Velo cit y is no t a fina nci al services prov i der , and t he dec isio n wheth er t o p ay a trans actio n t hat result s in an overdra ft i s so lely y o ur Finan cial Ins tit u tion ’s dec isio n .

You sho uld p ay careful a ttention to t he dis closur es m ade ava ilable by yo ur Fi nan cial Ins tit u tion , inc lu ding tho se conc ernin g any o verdra ft fees , how y o ur acc o u nt’s balanc e i s ca lcu late d , o r h o w you may opt - i n or opt - o ut of o verdra ft p ro t e ct ion , all of w hic h is de ter mined by yo u r Finan cial I nstitu tion .

The Opt - In Se rvices may co ntain te chn i c al inac curacies and t y pogra phic al or oth er errors . We m ake no representat ions and ass um e n o respo nsi bilit y as to t h e c o m pletene ss , acc uracy o r ti me liness o f any Co nten t ( as de fined below ) o n or descri bing a ny O pt - In Servi ce ( in clu di ng any f eatures, s pe c ifications, o r eligibili ty re q uirements ) . We m ay mak e c ha nges, corrections, c a n cel lations or i mprov ement s to th e O pt - In Servi ce a t a ny t im e an d without noti c e t o you.

2. Ac cessing th e Op t - In Se rvic es

If you wish t o acces s the O pt - In Servi ces , yo u m ay be a sked t o su p ply certain rel evant inform ation . You represent an d warra nt tha t ( i) yo u have the ri ght to s ubmit t his inf o rmation; an d (ii) any info rmation pro vided t o u s is t rue, a ccu rate and c o m plet e . By s ub mit ti ng su ch i nfo rmation, y o u g rant t o u s the right to prov ide su ch i nfo rmatio n t o yo ur Fin ancial Ins tit u t ion fo r purpo ses of verifying yo ur i den t ity and yo ur active a cc o un t wit h your Fi nancial Instit ution ( fo r fur ther i nf o rmat ion, ple as e se e o ur Priva cy Po lic y ) .

We m ay, i n o ur so le discr e tion and with o ut prior noti ce, refus e t o pro vide any u ser with th e a bilit y to use th e O pt - In Servi ces in accordanc e w ith o ur Te r ms and Co n di tions.

We are no t r espo nsible fo r c o mm uni cation failures, erro rs , difficulties o r oth er malfunc tions o r los t, sto len o r mis direc t ed tra n smis sio ns, m ess ages o r en tries on or i n conne ct ion w ith the Op t - In Service . We are not respo nsible for any inc o rre ct inf o rmatio n ass o ciate d with the Opt - In Se rvice regard le ss of wheth er suc h inc i den t is th e result o f us er error, sys tem error o r h uman erro r.

WE MAK E N O WARRANT Y OR RE P RE S E NTATION REGARDI NG TH E CON FIDEN T IALITY OF AN Y COM MUNICA TION O R I NF ORMATI ON T RANSMIT TED ON ANY OP T - IN S ER V ICE OR A NY LIN K S ASSOCIAT ED WITH A NY O PT - IN S ER V ICE . S UBJ ECT T O APPLIC ABL E LAW, W E W ILL NOT B E R ESPONS IBLE OR L IABLE IN ANY WA Y FO R AN Y INJ URY, LOSS OR D AM AGE TO YOU R COM PU TER , MOBILE PHONE OR OTHER D EVIC E, OR I NTERC EPTION O R U SE OF OTH ER PERSO NAL LY IDENTI FIABLE IN F ORMATI ON, RE LA TED TO OR RE SUL TING F ROM USE OF ANY OPT - IN S ER VIC E O R AN Y LINKS ASSOCIAT ED WITH A NY OPT - IN SE RVI CE.

3. Yo ur Com pliance wi th t he T erms and C on di tions

You ack now l edge that our Te rms and C o nditi o ns are suppor te d by reaso nable and va luable considera tion , which yo u h av e rec eive d and whi ch is adequate . S u ch cons iderat ion includes y o ur abilit y to acces s, use or int era ct w ith any Op t - In Servi ce.

You represe n t t hat you ha ve th e c apa city to be bo un d by our Ter ms and Co n di tions and are legally author ized to m ake all re q uests . To determine your complian ce with o ur Te r ms and Co n di tions, we may monitor your access and u se of the O pt - In S ervice in accordanc e w ith o ur Priva cy Po lic y.

References t o g ender (e.g ., male, fe mal e or other) wi thin a ny O pt - In Servi ce are t ypi cally b as ed o n biolo gic al g e nder, and is n o way int e nd ed to discri mi nate agai nst any gen der id enti ty or ge n der expressio n in any mann er whats o ever.

4. Chan ge s to t he Term s and Condi tions

We m ay upd ate, amen d o r c han ge o ur Terms an d C o nditi o ns a t an y t im e, in our so le discre ti o n and without noti c e . Am end me nts will t ake effect im med iately upo n us pos ting su c h upda tes on the Opt - In Services . Cha nges t o t hese Te rms and C o nditi o ns do not alter or i mpac t yo ur ri ght s or o bli gations under yo ur accoun t agreemen ts o r any other agreemen t y o u m ay hav e with yo ur Fin ancial Ins tit u t ion .

We enco urag e you t o pe ri o dic ally che c k o ur T erms a nd Condi tion s fo r c hang es, as yo ur c o nt inued ac cess and use of an y Op t - In Servi ce fo llowing the pos ting of any cha nges will automa ti cally b e dee med yo ur acce p tanc e o f all changes . If you do not agree t o a ny change to th ese T erms an d C o nditi o ns, yo u m ust discontin ue u sing O pt - In S ervices . T hes e Term s o f Use repla ce all previo us noti ces or state m ents wi th respect to this subject and cannot be m o dified o rally o r in writi ng by any o f our representat ives , yo ur Financial In sti tut ion o r any o ther t hird p arties.

5. Yo ur Acc ess an d Use of O pt - In Serv ice s

You are e ntitl ed to access and u se th e Opt - In S ervic es only fo r la wful pur pos es and only pur sua nt to our Terms an d Co nditi o ns . You are so lely respo nsible for making all arr angeme nts n ece ss ary for yo u t o acce ss O pt - In Services, i ncluding, wit ho ut li mit at ion, o btaining in t ernet acc ess when neces sa ry . Your right to ac ces s and use O pt - In S ervices is pe rs o nal to y o u and is not tra nsf erable by you to any other perso n or en t ity . Y o u m ay not as sign, tr ans fer, re - ma rket , resell or otherwis e di spo se of the Opt - In Services wi th o ut o btain ing our prior wri tt en c o nse nt, which may b e withheld i n o ur so le discr etion.

Your ac cess and use of t he Opt - In S ervic es may b e i n t errupted fro m ti me to ti m e for any o f s everal reas o ns, inc lu ding the m alf unctio n of e q uipment, peri o dic u pdati ng , maintena nce o r repair of such Opt - In Servi ces or other a ct ion s tha t we ma y, in our so le dis cret ion, el ect to take . W e m ay sus p end o r discontin ue, o r otherwise restrict acc ess by any user to, any O pt - In Servi ce o r a ny portion or feature of any Op t - In Se rvice at any ti me, i n our so le discre tion a nd wi thout pr ior notice to yo u . We will no t be liable i f, fo r a ny reaso n, an y Op t - In Servi ce o r any por tion or feat ur e of any Opt - In Servi ce is u nav ailable at any tim e or fo r any peri o d.

6. No Acc ess and Use of O pt - In Serv ices b y Minors

You may on ly access and p articipate in Opt - In S ervic es if you are 18 years of age or o lder or have reached t h e a ge o f majo ri ty by your res pec t ive stat e o r te rritor y o f residen ce, if such age is gr eater than 18 years of age.

7. Yo ur Inf ormation and Security

Yo u Mus t Ma intai n th e Int egrit y o f You r I nfo rmation . To acc ess or use c er tain O pt - In Servi ces, you may be req uired to provide us with i nfo rmat ion abo ut yo u, which may be o f a c o nfi dent ial nat ure and m ay

inc lu de pers o nally identifia ble info rma ti o n or financ ial informa tion ( “ You r Info rmation ”) . If y o u provide Your Info rma tion t o us, t h en yo u a gree to provide tr ue, current, co mplet e and accu rat e i nfo rmation, and not to misrep resent your i dent i ty . You als o agree to keep Your I nf o rmation c ur rent an d to u pdate Your Info rmation i f any of Your Info rmation c hanges . Our c o llec tion, use and disclos ur e of Your Info rmation are gov erned by o ur Te rms and Condi tio ns, inc l udin g the terms of o ur Priva cy Po lic y .

Yo u Mus t Ma intai n th e Sec urit y o f A n y P as sw o r d Issue d t o You . Genera lly, use o f th e Opt - I n S ervice do es n o t req uire c reation o f a s epara te ac co unt. Howev e r, i f yo u are r equired t o cr eate a pas sw o rd t o use any Op t - In Se rvice o r any p o rtion ther eof , inc lu ding a pas sw o rd t hat you hav e c r eated w ith yo ur Financial In sti tut ion o r ano ther third par ty, t h en i t is y o ur so le resp o nsibility to maintain t h e s ecu rity of that pa ss wo rd . You ackno wledge tha t y o ur pass wo rd and rela ted accoun t is pe rs o nal to you and agree not to pro vide any ot her p erso n wit h ac cess to any O pt - In Servi ce o r portio ns t hereof using yo ur userna m e , pa ss wo rd or o ther sec urity i nfo rmation . We will no t b e l iable for an y los s that yo u m ay suf f er as a result o f the a uthoriz e d or una utho rized us e of y o ur pass wo rd by a third pa rty . We have the ri ght to disa ble any u serna me , pas sw o rd or o th er ide n tifier, wheth er cho sen by you or pro vided by us, at any tim e in o ur so le discre tion for any o r no reaso n, inc l u ding if, in o ur so le o pinion, you have vio l ated any pro vis ion o f our Ter ms and Co nditi o ns.

Yo u Mus t No tif y U s o f a Br each . You wi ll im m ediate ly notify us an d /o r yo ur Fina nci al I nstit utio n o f any unauthori zed use o f your p as sw o rd, any unauthori zed use o f any ac count t ha t yo u m ay hav e w ith us, any vio lation o f our Terms and Co nditio ns, or any oth er breach o f s ecu rity kno wn t o you in co nnection with any pro du c t o r servic e availa ble o n or t hro ugh a ny Op t - In Se rvice by notif ying us at legal@myvel o cit y.co m o r yo ur Finan cial Insti tut ion t hro ugh any channel listed o n t he “C o nt act Us” page linke d t o the bottom of this website.

Yo u Mus t Co mpl y wi t h Thes e T erm s an d Co nditi o n s an d Al l Appl i c abl e Law . Yo u agree t o comply wi th o ur Te rms a n d Co nditi o ns and all ap plica ble local, sta te, and feder a l laws , regula tions o r rule s . You will not sub mit o n or t hro ugh a ny Op t - In Se rvice any mat erial th at viol ates o ur Te r ms and Co n di tions, or is contrary to any appli cable local, state, o r federal laws , regulations o r rules . Wi th o ut lim iting t he fo regoing, yo ur ac cess and use of Opt - In Services m us t not:

 Co ntain o r pr o mote any i n fo rmation th at is fals e, ina cc urat e or mi slea ding;

 Circumven t u ser authe ntic ation o r sec u rity of any hos t, ne twork or accou nt;

 Pro mote any illeg al ac tivity , or advo cate, promo te or as sis t any unl awf ul ac t;

 Inte rfere with or disrup t a ny Op t - In Ser vice, or diso b ey any re quir ements , proc edures, poli cies o r regul ation s pro vided to yo u from tim e t o tim e in c o nnec t ion wi th any Op t - In S ervice ( inc ludi ng o u r Term s a nd C o nditi o ns) ;

 Imperso nate any perso n, o r misreprese nt yo ur ide n ti ty o r affilia tio n with any per so n or o rganization;

 Co ntain, t ran smit or cause any viruses , wo rms, Troja n hors es, t ra p doo rs , back do o rs , Easter eggs, time bombs , can cel b o ts or o ther c o de o r c o m p uter pro gram ming ro utines t hat enco m pas s contami natin g o r destr ucti ve properti es or t hat are in tend e d to da mage, detrim entally i nterf ere with, surrep ti tiously int erc ept o r exprop riate any sys t em, data or p erso nal informa ti o n.

If you are uns ure about the appropr iate n ess of any ac c ess , use or co ntent rela ted to any Op t - In Servi ce, yo u m ust refr ain fro m su ch acc ess or use until you r eceive ex plic i t a pprov al fro m us .

8. Int ellec tual P rop e rty Rig hts

As betwe en y o u and us , th e O p t - In Servi ces and their enti re c o n tents , features a nd fu nctio nal ity ( inc ludi ng all info rmation, tex t, so ftware, displays , i mages, video , audio nam e s, g raphics, lo gos , page headers, butt o n ic o ns, scri pts and servic e n ames, an d t he de sig n, s elec t ion and arr angement o f th e

fo regoing) are owned by u s, our lic enso rs , yo ur Finan cial Ins tit u tion o r other pr o viders of such material and are pro te ct ed by Unite d St a tes or in ternational c o pyright, tra d emark, pat en t, t rade secret and other i ntel le ctua l pr o perty o r pr o prietary rights laws ( colle ct ively, the “ Pro prietar y I nfo rmation ”) . You may not use the Pro pr ietary Info rm ation wit hout prior ex press written per miss ion fro m us , which per miss ion may be withh eld in our so l e d iscre tion , and / or f ro m , as appropr iate, a third - party ow ner su c h of Pro prietary I nfo rmation . We m ak e n o pro prietary cla im to any th ird - party nam es, t rademar ks or s ervice marks appear ing o n or wit hin any Op t - In Servi ce . An y t hird - party names, t rade marks and service marks are pro perty o f th eir r espe ct ive ow ners.

The i nfo rmati o n, advice, d ata, so ftware and conte nt viewa ble o n, containe d in o r downlo ada ble fro m each Opt - In S ervice ( colle c tively, t h e “ C o nten t ”) , in cluding all tex t, g raphi cs, ch a rts, pic tures, photo graphs , videos , imag es, lin e art, ico ns and ren di tions ar e co p yrighted o r tr ademarked b y, o r o therwise lic ensed to, us o r our Co ntent su ppliers . All sof tware used on or wi thin each O pt - In S ervice is o ur property o r th e pr o per ty o f our so ft war e vendors and i s pro te c ted by Un i ted Stat es and inte rnat iona l copyright law s . Viewing, re ading, pri nting, do wnloa di ng o r oth erwi se using t he Co nten t does not enti tle yo u t o any owners hip o r int el lectual pro perty rig h ts to the Co n t ent ( in cluding t he so ftware) .

You are so lel y respo nsible for any da m ages res ulti n g fro m yo ur i nfringe ment o f our o r any third - par ty’s inte lle ctua l pr o perty righ ts reg ardin g t h e Pro prietary Info rmation , the Co n tent ( inc lu ding t h e s o ftware) o r any other harm in curre d by us as a d irect or indir e ct r es ult o f your copyi ng, dis tribut i ng, redistribu ting, t rans mitting , publishi ng o r using t he Pr o prietary Info rmation , t he C o nten t (including t h e so ftware) for purpo ses t ha t are contrary t o our Terms and Condi tio ns.

9. Yo ur Use of t he C ontent

Except as oth erwise p er mi tt ed under th e c o pyrig ht laws o f th e Uni ted States, n o other co pyi ng, distribu tion, r edistribu tion, t rans miss ion , publicatio n o r use, other than the non - commer cial u se of t he Co nten t as p ermit t ed by o ur Te r ms and Co nditi o ns, i s permi tt ed b y you wit hou t o ur prior wr itt en permissio n, which may b e withheld in o ur so le discr etion . You m ay no t use an y me ta t ags o r any oth er “hidden t e xt” ut ili zing o ur name or trad emarks, or pr o vide li nks to or fra me any Op t - In Servic e, with o u t o ur prior writ ten permiss io n, w hich may be w ithheld i n our so le dis cret ion.

You may not ( a) m o dify the Co ntent; (b ) ut ilize t he C o nten t for an y c o m merc ial purpos e or a ny other publi c disp lay, pe rfo rmanc e, sale or ren tal; (c) de com pile, reverse engin e er or d isa ss emble t h e Conten t; o r (d) transf er t he Co ntent t o anot her pers o n or ent i t y.

10. Ac cess and In te rfer ence

You may not use any ro bo t, spider, s craper, deep li nk or other si mi lar auto mate d data g ath er ing o r ext rac tion too ls, program, algorithm or met hodo logy t o ac cess, ac quire, copy o r mo nitor any Op t - In Service o r a n y portion ther eof or fo r any purpos e, wi thout our pri o r writt en per miss ion, whi ch may b e withheld i n o ur so le discr e tion . A dditi o n ally, yo u m ay not: (i) t ake a ny actio n tha t im pos es, or may impos e, in o u r so le discre ti o n, an u nr eas o nable or dis pro por tionat ely l arge loa d on our i nfra struc ture;

( ii) copy, repr o duc e, modif y, create deri va tive wo rks fro m, distribute or p ubli cly displa y any C o nten t ( exc ep t fo r Y o ur Informati o n) fro m any Opt - In S ervic e witho ut o ur prior writ ten permi ss ion, which may be wi thhe l d in o ur so le dis cret ion, an d t he p ermiss ion o f the ap pr o priate third party, as appl icable;

( iii) inte rfere o r atte m pt to int erf ere wi t h t h e p ro p er wo rking o f an y Op t - In Servi ce o r any ac ti vities condu ct e d o n any Opt - In Service; o r (iv) bypass any r o bot exclusio n he ad ers o r o ther m eas ures we may use to preven t o r restri ct a cc ess to any Opt - In S ervic e . We m ay, w ithout prior n o tic e to you, i mme dia tely disconne ct yo ur acc ess to and use of an y Op t - In Servi ce if you in ter fere or disrup t any Op t - In S ervice.

Notwithsta nd ing the foreg o ing, we gran t t he o pera tors of publi c s earch engin e s permiss ion to use spiders t o copy mat erials f ro m each Op t - In S ervice fo r th e so le pur pos e of, and so lely to the ext e nt nec ess ary , cr eating pu blic l y ava ilab le se arch indic es of t he m at erial s o n or with in Op t - In Servic es, but not c a che s o r archives of s uch materials . We may rev o ke th ese e xceptions eithe r ge nerally or in sp eci fi c cases . You m ay no t collec t or harv est a ny perso nally ide n tifiable i nfo rmation, i ncl u ding ac count na mes, fro m any O pt - In S ervice . Y o u m ay no t u se any co mm unic at ion sy stems pro vide d on any Op t - In Servi ce fo r any c o m merc ial or so lic itation pur p o ses . You ma y not so li cit f o r c o mme r cia l pu rpo ses a ny users o f any Op t - In Se rvice via i mag e, video, t e xt o r any other met hod with o ut o ur prior written conse nt, which may be withh eld in our so l e d iscre tion .

11. Third - P ar ty Mat erials

There may al so be pro vide d on or throu gh any Op t - In Service links o r acc ess t o o ther w ebsites , mediums , co ntent or mat erials be longi ng to yo ur Fi nancial Instit ution , its sup pliers, aff iliat es or o ther third par ties . Such lin ks an d access do n o t consti tute o ur end o rs e ment of tho se thir d par ties , nor the p ro duc ts or serv ice s o f tho se third par ti es . We are n o t respo nsibl e for th e acti vities or po licies of thos e third par ties . We ac cept no respo nsibilit y for such th i rd parties co nduct o r for a ny los s o r da mage that may aris e from your use of t he third - par ty l in ks or t he produ ct s o r s ervices of t hos e t hird parti es . We do not guaran te e t ha t t he ter ms, prices or o ther con tent of fered by a ny parti cul ar adv ertiser, b usiness partner, or ot her third part y ( o r any affili ate thereo f) o n or throug h Op t - In Servi ces are a cc ur ate or t he best terms o r lowes t pri ces ava ilable i n the mark et.

You ack now l edge a nd agr ee t hat w e ar e n o t respo nsible for any third - party m a terials, inc l ud ing their accu racy, c o mpleteness , t imeli ness , val idit y, copyrig ht complian c e, leg ality, decen cy, quali ty or any o ther as pe ct thereof . A ll third - party m a terials and links are provid ed so lely as a c o nveni ence to yo u . If yo u de c ide t o access any of t he third - par ty websi tes o r me di ums, y o u do so enti rely at yo ur own risk an d subj ect to th e t er ms and c o nditi o ns o f use of suc h third - party we bsites and mediums .

12. Electr on ic C om munica tion s

As part of yo ur ac cess o r u se of the O pt - In S ervices, y o u m ay re ceiv e n o tific a tions, t ex t mess ages, alerts, pos ts, notices , e - mails o r o ther comm un icati o ns . You are respo nsib le fo r any me ss aging o r da ta fees you may be char g ed fo r suc h c o mmun i catio ns . By pro vidi ng Your In fo r mation throu gh t he Op t - In Services, yo u authoriz e u s an d our agents, repr e sentatives an d in d epe nde nt contrac tors t o c o n tact y o u at any tele p hone nu mber ( in cludi ng t elep hone numbers ass o ciate d with mobile, cel lul ar, wireless o r similar device s) or e - mail address that yo u prov ide to us or fr o m whi ch yo u pl ac e a call to us or e - ma il u s ( as applicabl e), or any t elepho ne n umb er or e - mail addre ss at whic h w e r eas o nably believe w e m ay reach yo u, using an y me ans of c o mmun i catio n, inc l udi ng c alls or text mes sa ges using an au tomati c t elep hone dialing sys te m o r prer eco rded mes sa ges, even if you in cur charg es fo r rec eivi ng su ch com municatio ns . You may als o recei ve se rvi c e or marke ting com mun ica tions relate d to Op t - In Ser vices fro m yo ur Financial In sti tut ion bas ed o n your priva cy agree men t s with yo ur Fi nancial Instit ution .

13. Yo ur Respo n sibilit y f or E q uip me nt and Related Co s ts

You are so lel y respo nsible for o btainin g and ma intai ning all t e lep hone, com pu ter hardwa re, In t ernet acce ss servic es and ot her equip men t o r services n ee ded to ac cess and use O pt - In Servi ces, a nd all cos ts and fees as so ciate d with I n ternet ac cess, long d ista nce char ges or carrier rates ( inc lu ding pho ne, data and text m es sa ging rates) inc urre d wi th reg ard to yo ur ac cess and use of Opt - In Services . Al l charges are billed by an d paya ble to a t hird par ty . You sho uld c o ns ult wi th that third par ty if y o u have q ues tions abo ut su ch s ervices .

14. Int er national Users and C ompliance wi th Law

Opt - In S ervic es are con trolled, opera te d and ad minist ered by us fr o m o ur off ices wit hin the Un it ed States . W e d o not m ark et to interna tio nal perso ns o r ent i ties, an d t h e Opt - In Service is inte nded for use by parties loc ated in t he U nite d St a tes . We m ak e n o representat ions t hat any O pt - In Servi ce i s permissible, appro priate o r ava ilable for use i n fo reig n juris di ct ion s . If you a cc e ss any Op t - In Service fro m a locati o n outside t h e United S tat es, t hen you do s o by yo ur own vo liti o n and you are so lely respo nsible f o r c o mplian c e with all law s, reg ulations and r ules (in clu di ng lo cal la ws and any a pplic abl e Un it ed State s ex por t c o n tr o l laws) . You agree not use any O pt - In S ervice o r any Co nten t in a manner pro hibit e d by any app lic abl e state, f eder al, interna tional or local la ws , rules, restricti o ns or re gulations.

15. We M ake N o Repr ese ntat i on s o r Wa r ra nt ies Reg ard i ng Op t - In Se r vic es o r t h e C on ten t

You ex press ly agree that y o ur use of Opt - In Services, the Co n tent a nd all info rm ation, c o nt en t, materials, pr o duc ts a nd s ervices is at y o ur so le risk . It is yo ur so le respo nsibilit y t o indepe n dent ly evalua te the a cc uracy, c o r rect n ess or c o mplet e ness o f Opt - In S er vices, the C o ntent an d all info rmation, conten t, m a t erials , produc ts and servi ces . EXCE PT AS OT HE RWIS E EXPRES SLY S TAT ED BY US IN WRIT ING AT THE TI M E OF ACCES S OR O THERWISE, (I ) OPT - IN SER VICES, T HE C ON TENT AND A LL INFO RMATI ON , CON TENT , MAT ERIA LS, PRODU CT S A ND SERVIC ES INCLU DED O N OR ASS OCI ATED WIT H OPT - IN SERVICES AR E P ROVID ED TO YOU ON AN “A S - IS ” AND “AS AVAI LABLE ” BASI S; AND ( II) WE MA KE N O RE PR ESEN TAT ION S OR WARRAN TI E S OF ANY KIN D, EXPR ESS OR IMP LIED, AS T O THE OPERATIO N OF THESE OP T - IN SERVICE S, THE CO NT ENT OR TH E I NFO RMATI ON , CON TENT , MAT ERIA LS, PRODUCT S O R SERVIC ES I NC LUDED ON OR ASSO CIAT ED WIT H A NY OPT - IN SE RVICE, INCLU DING THE IR ACCU RACY, C ORRECTN ESS , COM PL ET E NESS , SAFET Y, R EL IAB ILIT Y, TI TLE , TI M EL INES S, NO N - INFRI NG EMEN T, MERC HA NT ABI LITY, CON FORMIT Y O R FITN ESS FOR A PARTI C ULAR PURPO SE.

Without lim i t ing the foreg o ing, you ac k now ledge tha t we c an not g uara ntee the contin uous operatio n of o r acc ess t o a ny Op t - In Ser vice . You fur t her ackno wle dge that oper ation o f and acce ss t o a ny Op t - In Service may be in terfere d wit h as a res ult o f techni c al iss ues or n umerous fac t o rs outside o f our con trol . You may alw ays c o ntac t y o ur Finan cial Ins tit u tion dir ec tly regardi ng i ts ov erdraf t pro gram and your choice s r elat ed to t he same . W e ma k e n o re prese ntation, war r anty or g uara ntee tha t any Op t - In Service , o r an y Co ntent tha t may be av ailable to dow n loa d from an y Op t - In Servi ce , is free of i nfect ion fro m any viru ses , wo rms, Troja n hors es, t rap doo rs , b ack doo rs , Ea ster eggs, time bombs, can cel bots or o ther cod e or c o mp uter pr o gramming r o utine s that co ntain co nta minating or d estructive pr o pertie s o r that are inten ded to dama ge, detrime nt ally int erfer e w ith, surr ep t i tiously int erc ept o r exprop riate any sys tem , data o r perso nal i nfo rmation . We will no t b e l iable for an y los s o r dam age c aus e d by a distribu ted d enial - of - serv ice at tack , viruses or other t e chn o logi cally h armful ma terial t ha t m ay infec t yo ur c o mp ut er, devi ce, da ta, progra ms o r other equi pment or material d ue to yo ur use of a ny Op t - In Service o r items obtaine d through any Opt - In S ervic e or to your d o wnloa ding o f any ma teria l posted on any Op t - In Se rvice o r any links t o any Opt - In Service .

The fo regoin g does not aff ect any warr a ntie s w hic h ca nnot b e excl uded or limit ed u nder app lic able law.

16. Limitat i on s on Our L i ab ili ty

EXCEP T AS O THERWISE E X PRE SS LY ST ATED BY US IN WRIT ING , IN N O EVEN T A RE W E R ESP ON SI BLE OR LIABLE TO YO U OR AN Y T HIRD PA RTY, WHE T H ER RES ULTI NG , IN WHOL E OR I N PART, FRO M BREAC H OF CON TRAC T, WARRAN T Y, TO RT (INC LUDING STRI CT L IAB ILITY AND NEGLIG ENCE) OR OT HE RWIS E , FOR ANY DA MAG ES, INCL UDIN G SPECI AL, INC ID ENTA L, EXEM PLA RY, INDIR ECT , PUNI TI VE OR CON SEQ UENTIAL D A MAG ES THAT INC L UDE DAMAG ES FOR ANY PE RSO NAL O R BODIL Y INJU RY, EMOTI ON AL DIS TRESS , INJ URI ES TO PR OPERTY AND L OS S OF PR OFIT , RE VEN UE OR BU SI NESS , AS A DIRECT O R I NDIRECT R ESU LT OF: (I) YO UR BREACH OR V IO LATI ON OF ANY T ERM O R CON DITIO N OF