Access Agreement

Connecticut Community Bank, N.A. ® Personal Online Banking Access Agreement & Disclosure
Revised and Effective January 2024

Please read this Agreement carefully as it governs your use of these Services and other Services you may obtain which are included in this Agreement

Introduction
This Personal Online Banking Agreement (the “Agreement”) governs your use of the Online Banking Service that permits our customers to access their deposit accounts and a number of financial services through their personal devices (computer, smartphone, tablet, etc.) through the use of the Internet as provided by your Internet service provider. We are offering this Service through one or more Service Providers that we have engaged to render some or all of the Service(s) to you on our behalf. However, Connecticut Community Bank, N.A. is the sole party liable to you for transactions conducted by using the Services detailed in this Agreement. Also included in this document are supplementary regulatory disclosures applicable to these services and are considered addendums to those disclosures provided to you at account opening.

You must read this Agreement before enrolling in our Online Banking Service and initiating any electronic funds transfers or bill payments via the Internet. By using our Online Banking Service or any other service included in this Agreement, you agree to all of the terms of this Agreement. Please read it carefully before accessing any of the Services. We recommend that you print a copy of this document for your records; however, if you cannot, contact any branch office and we will mail you a copy.

Accounts and services provided by Connecticut Community Bank, N.A. may also be governed by separate agreements with you. This Agreement supplements any other agreements or disclosures related to your account (s), including the Terms and Conditions of Your Deposit Account Agreement provided to you separately.

Definitions
You, Your and Yours - The person(s) that has applied for and will be using the services described in this Agreement.

We, Us, Our and Bank - Refers to Connecticut Community Bank, N.A. (“CCB”) and any agent, independent contractor, designee, or assignee CCB may involve in the provision of the Online Banking Service or other services included in this Agreement.

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by the Bank. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business. Please refer to the Bill Payment Services Agreement for further information. Online banking transactions received on Saturday, Sunday or holidays recognized by the Bank are effective on the next business day.

Business Day Cutoff- Our Main office is located in Norwalk; Connecticut and we base our business day on the Eastern Time zone for posting purposes.

Electronic funds transfers – include deposits to, withdrawals from, or transfers between your accounts, which are not originated by check, draft, or similar paper instrument. Electronic transfers include those made through a computer or other electronic device. If we authorize your account(s) for electronic transfers through the Online Banking Service, including our Mobile Banking app, you have certain rights and responsibilities under the Electronic Funds Transfer Act (EFT) which are further detailed in this Agreement as a supplement to the EFT disclosure provided at account opening.

Privacy Statement – We understand how important privacy is to our customers. We have taken steps to protect the security and privacy of your personal information as well as your financial transactions with us. A copy of our Privacy Policy was provided at account opening but you may wish to read our Privacy Policy posted on


our web site – www.ccbankonline.com.

Our Personal Online Banking provides a complete array of financial services to our customers. Our Service allows
you to access your account information 24 hours a day, 7 days a week. Depending on the services requested by you during enrollment, you can perform some or all of the following functions through our Online Banking Service:

• Obtain account balances and transaction information for your accounts;
• Transfer funds between your deposit accounts immediately or schedule a transfer for a future date
• Obtain copies of your paid checks
• View your deposit account statements (requires separate enrollment)
• Make payments to any person or business (“payee”) in the United States (requires separate enrollment)
• Request stop payment orders
• Set up Alerts to enhance the security of your accounts

Additional services such as Bill Payment, Zelle and Transfer Now may require a separate enrollment and approval process. Fees, if any, will be provided at enrollment or when the services are requested or used. See additional information for these services included in this Agreement.

By accessing and/or using the Online Banking Services, you agree that Connecticut Community Bank,
N.A. will not be liable for any indirect, incidental, or consequential costs, expenses, or damages (including lost savings or profit, lost data, business interruption, or attorney’s fees.)

Registration
This Online Banking Service and other services included in this Agreement require that you complete an initial enrollment process which includes completing a secure online application posted on our website – www.ccbankonline.com.

Equipment
In this Agreement, the term “Computer” shall mean your computer and modem. The installation, maintenance and operation of your equipment, including but not limited to, your computer, and the Internet access provider is your responsibility. We are not responsible for any errors or failures from a malfunction of your computer and we are not responsible for any computer virus, malware or related problems that may be associated with the use of our Services. WE DISCLAIM ALL WARRANTIES REGARDING THE USE OF OUR SERVICES, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Your personal software may include other functions and features which are not associated with our Services, and we are not responsible for them either. You agree that we are not responsible for any failure or loss caused if any personal financial software you use or any of your personal hardware or software is not compatible with our Services. This includes the browser that you use to access the Internet and our Online Banking Service.

Security
Maintaining security is very important to these Online Banking Service(s). At the time you enroll in the service(s), you will select a unique "User ID" and then will choose a unique Password that will be used to access the Online Banking Service(s). You should carefully select a Password that is hard to guess. Keep your Password safe, never write it down or keep it near your computer.



You agree to keep the unique User ID and unique Password you created confidential to prevent unauthorized access to your Accounts and to prevent unauthorized access or use of our Services. Your User ID and Password may be revoked or canceled at any time without giving you prior notice to assist us in maintaining the security of your Accounts. The User ID and Password is used to identify you as an authorized user of our Services. You therefore agree not to reveal your User ID and Password to any person or third party (such as a bill payment aggregator), without our prior specific authorization. The security of your Accounts depends upon you maintaining the secrecy of your User ID and Password.

If you believe that the secrecy of your User ID and/or Password has been compromised you should call us AT ONCE at 1-866-831-9892 8:30AM-5PM ET. You should immediately change your Password using the instructions found in our Online Banking Service. You will be required to change your password once a year, or at another interval determined by Us. We recommend that you change your Password more frequently to increase the security of your Accounts and the services you use.

If you permit other persons to use our Online Banking Service(s) or your User ID and/or Password, despite our instructions not to do so, you are responsible for any transactions they authorize from your Accounts.

To help prevent unauthorized access to your Accounts, we will end your online session if we have detected no activity. This is to protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you will be prompted to re-enter your password.

Accounts
You may request access to any Account if you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the Account to be able to complete the transaction. By using the Online Banking Service, you agree to maintain one or more Accounts with us and to keep sufficient balances in any Account to cover any transaction and fees that are ultimately approved by or related to the Services. If the Accounts added to the service(s) are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your User ID and Password are authorized unless we have been notified to cancel the service.
Fees
The Online Banking Service is available to our customers at no monthly charge for all the account information services, internal account transfers and Bill Pay. Bill Pay is an optional service available only with a checking account. You must specifically enroll and agree to the Bill Payment Terms and Conditions to have this service added.

Cancellation of Service
Your access to the Online Banking Service(s) may be canceled at any time by the Bank in whole or in part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with the service. After cancellation, service(s) may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must contact your local branch office.

Balance Inquiries
You may use the Service to check the balance of your Account (s) and to transfer funds among your accounts at the Bank. Balances shown in your Accounts may include deposits subject to verification and collection by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. If you have further questions contact your local branch office.

There may be unforeseen situations that cause a delay in an update of your balances. The Service will use the most current balance available at the time of a transaction to base our approval for bill payments and account transfers.

Special Information about Stop Payments
Stop Payments may be placed through the Online Banking Service. If urgent action is required, we recommend that you contact us directly by telephone or in person. Additional terms of acceptance or disclosures may apply on all Stop Payment requests and these terms will be disclosed at the time you complete the request. The Stop Payment feature is designed to submit a request to stop payment on checks you have written from your account. The Stop Payment service is not available to cancel transfers, Debit Card authorizations or ACH transactions. There will be a $25.00 fee per check stopped. You may refer to our Miscellaneous Fee Schedule for further information.

Bill Payment Service
To use the Bill Payment Service, you must enroll through Online Banking and agree to accept the Terms and Conditions of the Service. For further information refer to the Bill Payment Terms and Conditions in this Agreement.

If your account does not have sufficient or available funds to issue the scheduled payment, you may be charged an Insufficient Funds charge of $28.00 per payment. Please refer to our Miscellaneous Fee Schedule for additional charges that may apply.

The Bill Payment Service also provides for the ability to make Same Day payments to some merchants for a separate additional fee. This service is electronic and therefore may be limited to merchants able to receive and process payments electronically. The availability of the service for payment to a specific merchant, along with the related additional fee, will be disclosed at the time the payment is scheduled.

The Bill Payment Service also provides for the ability to make an Overnight Payment by Check to various merchants for a separate additional fee. The cutoff time for this service is 4pm ET on a business day and the fee will be disclosed at the time the payment is scheduled.

For further information refer to the Bill Payment Terms and Conditions in this Agreement.

Limitations on Liability for Failure to Make Payments and Transfers
It is our responsibility to process all bill payments and account transfers properly initiated through the Online Banking Service in accordance with this Agreement and the separate Bill Payment Terms and Conditions in this Agreement. We will not be liable if any of the following occurs:

1. If through no fault of ours, you do not have enough available money in your Account to make the bill payment or transfer, or if the Account has been closed. Your Account must have sufficient collected funds to make the requested transfer. Certain deposits and balance transfers from other Accounts may not be immediately available for bill payment. The amount of available funds will be calculated in accordance with our Funds Availability Policy, provided to you separately when your account was opened.

2. If your computer or other device (smartphone or tablet) software or telecommunication lines were not working properly or were temporarily unavailable.

3. If you had knowledge of or questions about the possible malfunction of the Services when you initiated the transaction.

4. If circumstances beyond our control such as natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, telecommunication outages, power failures, etc.) prevent proper completion and delivery of transactions despite reasonable precautions that we have taken.

5. If you provide incomplete or inaccurate information to us regarding the Account or transaction.

6. It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of our service providers or ours.

7. If your account has been tied up by legal proceedings (court order, garnishment) or other actions that prevent us from making a payment or transfer.

8. We have reasonable basis for believing that unauthorized use of your User ID or Password or designated Account has occurred or may be occurring.

9. If you default under the terms of this Agreement, or any other legal agreement with us.
10. If either you or the Bank terminates this Agreement.
There may be other exceptions stated in our Deposit Account Agreements with you.
Documentation and Verification of Payments and Transfers
Information regarding Online Banking transactions, including bill payments, will be reflected on the account detail in our Online Banking Services and in your regular monthly account statement(s) or eStatement(s). Other Account activity, such as debit card activity, will also be reflected on your Account Statement(s).

Notice of your Rights and Liabilities under the Electronic Fund Transfers Act (the “EFT” Act)
The EFT Act provides you with certain rights and responsibilities with respect to electronic fund transfers via our Online Banking Services. Your rights and responsibilities in the event of an unauthorized bill payment or unauthorized account transfer are disclosed below. This information is provided to you as a supplement to the disclosures you received at account opening. You may obtain another copy of this document from us at any time
by calling or sending us an email to person at any branch location.



c ustomerservice@connecticutcommunitybank.com or upon request in-
If you believe your User ID, or Password has been or may be compromised, lost, or stolen, or that someone has transferred or may transfer money from your account without your permission, call us immediately at the following number: 1-866-831-9892 8:30AM-5PM ET.

Contacting us by telephone is the best way of keeping your possible losses to a minimum. If you suggest that an unauthorized transfer or payment may have occurred, we may require you to sign an affidavit.

You could lose all the money in your Account(s). If you tell us within 2 business days after you learn that your User ID and Password have been or may have been compromised, lost or stolen, you can lose no more than $50.00 if someone used your password without your permission. If you do NOT tell us within 2 business days, after you learn of the compromise, loss or theft of your Password and we can prove we could have stopped someone from using your User ID and Password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows electronic transfers that you did not make or authorize, 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 money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods to a reasonable time.

Errors and Questions
In cases of errors or questions concerning transactions completed within the Online Banking Service, do one of the following, as soon as possible:

1. Call Customer Service at 1-866-831-9892 8:30AM-5PM ET.

2. Write to Customer Service at Connecticut Community Bank, N.A.,605 West Avenue 3rd floor, Norwalk, CT 06850.

3. Routine bill payment questions may be directed to 1-844-776-9597, seven days a week between 7:00 a.m. and 1:00 a.m. Eastern Time.

We must hear from you within 60 days after we transmit the first statement or notification in which the error or problem appeared. Please include the following information:

Name, Address and Account Number
Description of the error or the transaction you are unsure about, plus an explanation of why you believe it is an error or why you need more information.
Tell us the amount of the error.


For a Bill Payment error tell us:

Checking Account number used to pay the bill
Payee name, payment amount and date the payment was sent Payee account number for the payment in question.
Payee phone number for the payment in question.

If you tell us orally, we may require that you send us your 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. We may extend the time frame for investigation to 20 business days on a new account, if the suspected error occurred outside the United States or if it occurred at a merchant location for the purchase of goods and services. If we need more time, however, we may take up to 45 days to investigate your complaint or question. We may extend the investigation up to days 90 days if on a new account, if the suspected error occurred outside the United States, or if it occurred at a merchant location for the purchase of goods or services. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. We will provide provisional credit within 20 business days if a new account, if the suspected error occurred outside the United States, or if it occurred at a merchant location for the purchase of goods or services. 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 provisionally credit your account. We will tell you the results within 3 business days after completing our investigation. If we determine that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Other Problems

If you believe an error, other than an electronic funds transfer problem has occurred, you can call us at 1-866- 831-9892 8:30AM-5PM ET. or send a secure email through our Online Banking Service for information about how to handle the problem.

Duties of Examination, Unauthorized Transactions
With access to our Online Banking Service(s) you are in the best position to discover any alterations and unauthorized signatures or orders affecting your Account(s). Therefore, you agree: 1) to exercise reasonable care in examining the transaction history and any items (including images of checks paid) we may furnish, and 2) to report promptly in writing the existence of any material alterations or unauthorized signatures of any maker or endorser. “Unauthorized signature” includes, but is not limited to, a missing signature
.
We will not be liable if items were forged or altered so that the fraud could not be detected by a reasonable person exercising ordinary care. Nor will we be liable for losses due to forgery, unauthorized signatures or alterations to the extent that your negligence substantially contributed to such losses. Examples of such negligence would include, but not be limited to, providing your account number over the telephone, failing adequately to safeguard your checkbook, providing access to your User ID and Password.
We properly may refuse to give you credit for any forged, altered or unauthorized item drawn on your account, including the posting of a substitute check to your account, or any unauthorized withdrawal, if you do not provide a suitable affidavit supporting your claim. Further, you agree to the following limitations:
• You may not assert a claim against us for forgery, material alteration, unauthorized signature or unauthorized order of an item we paid in good faith, including a substitute check posted to your account, if you did not provide us with written notice within a reasonable time, not to exceed 30 days after the earliest of the following: 1) we mailed a statement (or first made available an electronic record pursuant to an eStatement Agreement) containing sufficient identification of the item (for example, a check is sufficiently identified by check amount and serial number), and 2) you first learned of the item’s forgery, material alteration, unauthorized signature or unauthorized order.
• Further, you may not assert a claim for a later forgery, material alteration, unauthorized signature or unauthorized order on an account if made by the same wrongdoer as an earlier forgery, material alternation, unauthorized signature or unauthorized order if you did not provide the notice required above upon the earlier reportable instance.

Disclosure of Account Information to Third Parties
Information about your account(s) or the transaction (s) you make will be disclosed to third parties only if at least one of the following applies:

1. It is necessary to complete a transaction.

2. It is necessary to verify the existence and condition of your account to a third party such as a credit bureau or merchant.

3. To comply with a governmental agency or court order.

4. If permission is given to us by you, which we may require to be in writing.

5. It is necessary to assist us in collection of information for internal use,

6. It is necessary for statistical information or security purposes of our service providers, our servicing agents, and/or contractors providing our Online Banking and electronic funds transfer service.

7. It involves a claim by or against us concerning a deposit to or withdrawal from your account.

Please refer to our Privacy Policy for additional detail on disclosure of account information. You may find our

Privacy Policy at all branch locations or at w your home address.
ww.ccbankonline.com or if you request, we will mail the policy to


Electronic Disclosures
If you agree, we may send you certain disclosures electronically in the future. Please contact us for additional information.

Modification of Services
We may modify our Services from time to time in accordance with applicable law. Additional services or accounts may become accessible through our Services in the future. As each becomes available, you will be provided with a description of each such service or account and will be given the opportunity to access each through our Service. Your use of these new services or accounts shall mean that you agree to any additional terms and conditions as well as payment of fees. Also, we reserve the right to delete or modify any services or accounts from our Service(s).

Amendments
We may amend this Agreement and any applicable fees and charges for the Service at any time by posting and providing access to a revised version on the Banks website. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Service(s) after a notice of a change or after the posting of a revised version of this Agreement will constitute your agreement to such changes and revisions. We also reserve the right to terminate this Agreement and limit access to only the Services most recent revisions, updates, upgrades or enhancements.



Termination/Inactivity
You may terminate the use of our Online Banking Service(s) by contacting us via US mail, e-mail, or personal delivery to Connecticut Community Bank, N.A. If you terminate our Services, you authorize us to continue making transfers and bill payments you have previously authorized until such time as we have had a reasonable opportunity to act upon your termination notice. Once we have acted upon your termination notice, we will make no further transfers or payments from your Accounts, including any that you previously authorized.

We reserve the right to terminate this Agreement and your ability to use any or all of the Services and we will provide you with notice of our actions. If we terminate your use of the Services, we reserve the right to make no further transfers or payments from your Accounts, including any transactions you previously authorized. If your account(s) is closed or restricted for any reason, or if there has been no Online Banking Activity for a period of (3) three consecutive months, your access to our Online Banking Service(s) will be inactivated. In order to re-activate an inactive account, you must contact your local branch.

Severability
If any provision of this Agreement is held invalid, illegal, void or unenforceable by any rule or law, administrative order or judicial decision, all other provisions of the Agreement shall remain in full force.

Governing Law
This Agreement is governed by and shall be construed in accordance with the laws of the State of Connecticut and applicable federal law.


Terms and Conditions of Connecticut Community Bank, N.A. Mobile Banking Application

Connecticut Community Bank, N.A. offers customers mobile access to their account information (e.g., for checking balances, bill payments, account transfers and transaction activity) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts) or a debit card associated with their accounts. The use of the Mobile Banking Application requires enrollment in the Banks Online Banking Services, as well as the users mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers are allowed to opt out of this program at any time.

Questions: You can contact us at 866-831-9892 8:30AM-5PM ET. with any questions you have about the program.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.
Our participating carriers include (but are not limited to) AT&T, Sprint PCS, T-Mobile®, U.S. Cellular®, Verizon Wireless.

Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of Connecticut Community Bank, N.A. or any service provider.

Privacy and User Information
You acknowledge that in connection with your use of Mobile Banking, Connecticut Community Bank, N.A. and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Connecticut Community Bank, N.A. and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Connecticut Community Bank, N.A. and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use
You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used incompliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Connecticut Community Bank, N.A (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Connecticut Community Bank, N.A. or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g. Firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine),pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games),death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancel bots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Connecticut Community Bank, N.A.®, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps
You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google.

Addendum to the Standard Terms and Conditions for Mobile Banking
This Mobile Banking Addendum is an addition to the Standard Terms and Conditions for Mobile Banking and to the Online Banking Services Agreement and Disclosure and provides consent for you to enroll in Connecticut Community Bank’s (“the Banks”) Mobile Banking Service (Mobile Banking). By enrolling in Mobile Banking, you agree to all the terms and conditions contained in all related Agreements and this Addendum. The terms of this Agreement are in addition to those that apply to any account or service you have with us, our Online Banking Agreement and Disclosure(s), Deposit Account Agreements, and our Privacy Policy. These Agreements set forth the terms and conditions for any use of the Banks Mobile Banking Services (the Service). By requesting and using the Service, you agree to all of the terms, conditions, and notices referenced or contained in these agreements and you accept full responsibility for the use of the service.
Within this Agreement, “Mobile Banking” means the banking services accessible from the Device you have registered with us for Mobile Banking. “Device” means a supportable mobile device including a cellular phone that is web-enabled and allows secure SSL traffic and which is also capable of receiving text messages. A Device may also include a tablet or other device that is web-enabled and allows secure SSL traffic. You may be assessed fees by your wireless carrier for data or text messaging services. Please consult your wireless plan or provider for details. The terms “you”, “your”, and “customer”, refer to each depositor on an account who is enrolled in Mobile Banking; the term “account” or “accounts” means your eligible checking, savings, loans, certificates of deposit and any other Bank product linked to your Online Banking. We may offer additional Mobile Banking services and features in the future. Any such added Mobile Banking services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added and/or at the time of enrollment for the feature or service, if applicable. From time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by law. It is recommended that you read this Agreement carefully and print it for future reference.
Description of Service
Mobile Banking is offered as a convenient and supplemental service to our Personal Online Banking Services. Mobile Banking is available to account holders only, who are enrolled in or eligible to enroll in the Personal Online Banking Service. Mobile Banking is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your Connecticut Community Bank account information, review balances, pay bills (if previously enrolled), transaction activity and transfer funds between your eligible accounts.
Mobile Device Requirements
Using Mobile Banking requires an Internet-enabled cellular phone that supports 128-bit encryption and accepts text (SMS) messages. Your mobile carrier may charge you for Internet-related use and text (SMS) messages, please consult your mobile carrier for further details about these charges. You are responsible for providing your own Mobile Device to access Mobile Banking. A Device may also include a tablet or other device that is web-enabled and allows secure SSL traffic. The Mobile Device that you use may be subject to unauthorized tracking or other manipulation by “spyware” or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. You are responsible for all fees and charges you may incur to any mobile communication service provider or other third parties while using Mobile Banking. We are not a party to, and we have no duty, liability or responsibility with respect to or in connection with (i) your mobile communication service agreement, or (ii) any Mobile Device, hardware, software or any other product or service you may purchase from others relating to your use of Mobile Banking.
User Responsibility -You represent and agree to the following by enrolling in or using the Mobile Banking Service:
You represent that you are the legal owner of the accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking.
You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree to inform us of any change in phone number, loss of phone (for example, the phone being outside of your control) or any other change that might affect providing the Mobile Banking Service to you, the customer. You agree to accept all responsibility for any instructions sent to Connecticut Community Bank from the Device and authorize us to act on these instructions. It is your responsibility to contact us if you know or suspect unauthorized use of your User ID and/or Password. You agree not to provide your User ID or Password, or other access information to any unauthorized person. As a Connecticut Community Bank Online Banking customer, you have chosen a User ID and Password which allows you access to our Service. You are responsible for keeping your User ID and Password confidential and for ensuring that you have logged out when your session is complete to prevent unauthorized access. Please review our Online Banking Services Agreement and Disclosure included above for further information. If you permit other persons to use your Device, login information, or other means to access Mobile Banking, you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk.
Mobile Banking Transfers
You may use the Mobile Banking Service to transfer funds between your eligible CCB accounts (Internal Transfer). You may not transfer to or from an account at another financial institution using Mobile Banking. If you submit your transfer request prior to the 9:00 p.m. Eastern Time deadline on regular business days, your Internal Transfer will take place on the same business day. Transfer requests received after 9:00 p.m. Eastern Time on business days and all transactions which are requested on Saturdays, Sundays, or Bank holidays will be processed on the Bank’s next business day. You must have sufficient funds available in the selected account at the time the transfer request is received. We may limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option.
Mobile Banking -Bill Payments
This service is designed to allow you to make payments to persons or entities through the bill payment service offered by our processor, CheckFree. Please refer to the Terms and Conditions of the Bill Payment Service during the enrollment process for bill payment. Your use of the Bill Payment Service after enrollment is your agreement to be bound by the Terms and Conditions as presented and updated from time to time.
Mobile Remote Deposit Services (Mobile Deposit)
This service is designed to allow you to make remote deposits of checks (“original checks”) to your checking, money market or savings accounts using your mobile device to capture an image of the original check and delivering the digital images and associated deposit information to Connecticut Community Bank, N.A. or our processor.
Limits: For customers using the Consumer Mobile Banking app, the current per item dollar limit and daily deposit limit is $15,000.00. The Bank has discretion, based on account and relationship criteria, over the established dollar amount and/or number of items deposited via Mobile Deposit. You may not make deposits through Mobile Deposit in excess of this limit. We may refuse to accept and process any deposits that exceed this limit. In addition, we reserve the right to change these limits or impose additional limits at our sole discretion from time to time.
Eligible items: You agree to capture (take a photo with a mobile device) and deposit only original checks (i.e., checks drawn on a bank, credit union or savings and loan located in the United States and payable on demand.)
You agree that you will not use Mobile Deposit to deposit:
· Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).
· Checks payable to you and another party who is not a joint owner on the account.
· Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
· Checks that are stale dated (issue date is greater than six months)
· Checks that have previously been negotiated.
· Checks that are drawn on a foreign bank or payable in foreign funds.
Requirements: Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Endorsements must be made on the back of the check within 1½ inches from the top edge, although we may accept endorsements outside this space. Your endorsement must include an authorized signature or stamp and “FOR MOBILE DEPOSIT ONLY”. IF THE CHECK IS NOT ENDORSED AS REQUIRED, WE RESERVE THE RIGHT TO REFUSE THE DEPOSIT. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. A check payable to two payees must be endorsed by both payees. If the check is made payable to you and your joint owner, both of you must endorse the check.
Receipt of Deposit: All images processed for deposit through Mobile Deposit will be treated as “deposits” under your current Terms and Conditions with us and will be subject to all terms of the Terms and Conditions. We are not responsible for any image that we do not receive. Following receipt, we will process the image via an image clearing file. We reserve the right, at our sole and absolute discretion, to reject any image for mobile deposit into your account.
Original Checks: You must securely store the original check for 30 calendar days after transmission to us and make the original check accessible to us at our request. Within 5 calendar days of a request from CCB, you will provide, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.
Returned Deposits: Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. You may be able to negotiate a returned item in person, and should speak to a branch representative if you require such assistance. Connecticut Community Bank, N.A. may debit or “set off” the amount of the returned item from any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.
Your Warranties: You make the following warranties and representations with respect to each image you transmit to us via Mobile Deposit:
· Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
· The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.
· You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.
· There are no other duplicate images of the original check, other than a non-negotiable photocopy which may be kept for recordkeeping purposes.
· The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.
· You are authorized to enforce and obtain payment of the original check.
· You have possession of the original check and no party will submit the original check for payment.
· You will notify us immediately if you learn of any loss or theft of the original check.
With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule.
Compliance with Law: You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations.
Mobile Deposit Unavailability
Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the internet service provider, cellular service provider and internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at a Connecticut Community Bank, N.A. branch, through the Banks ATMs (that have this service), or by mailing the original check to: Connecticut Community Bank, N.A., 605 West Avenue, 3rd floor, Attention Deposit Operations, Norwalk, CT, 06850.


Funds Availability
Mobile Deposits confirmed as received before 5:00 PM Eastern Time (ET) on a business day will be credited to your account during our nightly processing run and the first $225.00 will be available by 9:00 AM the next business day. The remainder will be available on the following business day. Deposits confirmed received after 5:00 PM ET and deposits confirmed received on holidays or days that are not our business days will be credited to your account as stated above on the following business day(s) during our nightly processing. For example: Deposits made before 5:00 PM on Monday will have the first $225.00 available by 9:00 AM Tuesday and the remaining funds available by 9:00 AM on Wednesday. Deposits made after 5:00 PM on Monday will have the first $225.00 available by 9:00 AM Wednesday and the remaining funds available by 9:00 AM Thursday. Although Mobile Deposit utilizes technology as a delivery method, checks deposited through this Service are processed in the same manner as a paper check deposit you would make at a branch and are not considered “electronic direct deposits” for purposes of funds availability.
Business Days
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal or bank holidays. In the event of an unforeseen early closure due to inclement weather, you may experience a delay in the availability of funds deposited via Mobile Deposit.
Mobile Deposit Security
You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at 866-831-9892 8:30AM-5PM ET. followed by written confirmation, if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.
Your Responsibility
You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners retain all rights, title and interests in and to the Services, Software and Development made available to you.
Hardware and Software:
In order to use Mobile Deposit, you must have a mobile device and a wireless plan from a compatible mobile wireless provider. You must also use an operating system and software that satisfies all technical specifications and other requirements that we and/or our service provider establish and specify. We and/or our service provider may change these specifications and/or requirements from time to time. We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using Mobile Deposit, e-mail or the internet. You agree that all images and files transmitted to us through the Service will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.
Privacy and User Information
You acknowledge that in connection with your use of Mobile Banking, Connecticut Community Bank, N.A. and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Connecticut Community Bank, N.A. and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Connecticut Community Bank, N.A. and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.
Change in Terms of Use
Connecticut Community Bank, N.A. reserves the right to modify this Addendum and all related Agreements at any time. We agree to give you notice, if required, before the effective date of any such change, unless an immediate change is necessary to maintain the security of the service. We will notify you of any amendments by providing notice to you on Connecticut Community Bank’s website or forward it to you by e-mail or by U.S. Postal Service. Any modifications to this Service shall be effective the date provided within the notification posted on our website. If advance notice of the change is not required, and disclosure does not jeopardize the security of the electronic system, we will notify you of the change in terms within 30 calendar days after the change becomes effective. Your continued use of any or all of the Electronic Banking Services including Mobile Banking indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that the applicable deposit agreements and disclosures govern changes to fees applicable to specific accounts. The Bank has the right to rescind this Agreement at any time and for any reason without advance notice. If any of the provisions of this Agreement conflict with any of the provisions of the terms, covenants or conditions of the Deposit Account Agreements, or any other understandings, documents or agreements between Connecticut Community Bank, N.A. and you, the Customer, then the provision(s) of this Agreement, the Deposit Account Agreement, or other understandings, documents or agreements most favorable to Connecticut Community Bank, N.A. shall control.
Discontinuing Mobile Banking Service
You can discontinue Mobile Banking at no charge and at any time. If you wish to discontinue this Service you may send your request via our secure Messages form found at www.ccbankonlinecom once you are logged in, or in writing to us at Connecticut Community Bank, N.A., 605 West Avenue, 3rd floor, Attention Deposit Operations, Norwalk, CT, 06850, or in person at any one of our branches, or by phone at 866-831-9892 8:30AM-5PM ET. .
Liability
Connecticut Community Bank, N.A. makes no representations or warranties whatsoever with regard to Third Party Service Providers’ products or services. Likewise, Connecticut Community Bank, N.A. makes no warranty of any kind, express or implied that our Mobile Banking service will be uninterrupted. We do not, and cannot, warrant that the Service will operate without error, or that it will be available at all times. Accordingly, Connecticut Community Bank, N.A. shall not be liable for any loss, damage, whether direct or indirect, costs, charges or expenses incurred by you due to a delay in or the inability to provide the Mobile Banking Services. You agree that neither we nor our suppliers or our directors, officers or employees be held liable for any technical, hardware or software failure of any kind, any interruption in the availability of our service, any delay in operation or transmission, any incomplete or garbled transmission, virus, malware, loss of data or other similar loss. To the extent we may have breached any term of this consent and agreement, you agree that your sole remedy is to discontinue use of this Service.
Indemnification
You agree to indemnify, defend and hold harmless Connecticut Community Bank, N.A., its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking.
EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR THE AGREEMENTS GOVERNING THE TERMS OF ANY LICENSE RIGHT RELATING TO THE USE OR OPERATION OF MOBILE BANKING, MOBILE BANKING AND SUCH SOFTWARE ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF PERFORMANCE OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR ANY OTHER WARRANTY AS TO PERFORMANCE, ACCURACY, OR COMPLETENESS. YOUR USE OF THE MOBILE BANKING SOFTWARE AND MOBILE BANKING SERVICES AND ANY MATERIAL OR SERVICES DOWNLOADED OR OTHERWISE OBTAINED VIA MOBILE BANKING IS AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THEIR USE.
By using Mobile Banking, you agree that you have reviewed this Agreement, understand the terms and conditions set forth, meet all requirements and that you agree to be bound hereby.
Card Management Additional Terms
The card management feature (herein referred to as Card Controls) is offered) by the Bank for use by the Bank’s Debit cardholders. The Bank’s card management feature is intended to allow you to initiate certain payment card related activities for your enrolled Bank Debit card(s) via the card management feature. Those activities may include the ability to but not limited to:
· Register the Debit card
· Activate and deactivate the Debit card
· Set control preferences for Debit card usage including location, transaction, and merchant types, spend limits, and card on/off (“Controls”)
· Set alert preferences for Debit card usage including location, transaction, and merchant types, spend limits, and declined purchases (“Alerts”)
· View transaction history including cleansed and enriched merchant information (e.g. merchant name, address, and contact information)
· Report your Debit card as lost or stolen
· Review your spending by merchant type and/or by month
· View a list of merchants storing our Debit card information for recurring or card-on-file payments
The card management feature may enable access to Connecticut Community Bank and third parties’ services and web sites, including GPS locator websites, such as Google. Use of such services may require internet access and that You accept additional terms and conditions applicable thereto, including, with respect to Google maps, those terms and conditions of use found at http://maps.google.com/help/terms_maps.Html and the Google Legal Notices found athttps://www.google.com/help/legalnotices_maps/, or such other URLs as may be updated by Google. To the extent the card management feature allows you to access third party services, the Bank and those third parties, as applicable, reserve the right to change, suspend, remove, limit, or disable access to any of those services at any time without notice and without liability to you.
You agree to allow us to communicate with you via push notification, SMS and/or email, with respect to the activities performed via the card management feature. Data fees may be imposed by your mobile provider for the transmission and receipt of messages and Alerts.
Connecticut Community Bank reserves the right to send administrative and service notifications via emails and/or SMS messages to the email address and/or phone number provided upon enrollment in the Banks card management feature.
Availability/Interruption
You acknowledge that the actual time between occurrence of an event (“Event”) triggering a selected Control or Alert and the time the notification of such event is sent to your mobile device (“Notification”) is dependent on a number of factors including, without limitation, your wireless service and coverage within the area in which You are located at that time. You acknowledge that Notifications of Events may be delayed, experience delivery failures, or face other transmission problems. Similarly, selection of Controls and Alerts (collectively, “Commands”) are likewise affected by the same or similar factors and problems could arise with use of Commands. Notifications of Events may not be available to be sent to Your mobile device in all areas.
If you registered to receive Notifications to your mobile device, the card management feature is available when you have your mobile device within the operating range of a wireless carrier with an appropriate signal for data services. The card management feature is subject to transmission limitation and service interruptions. Connecticut Community Bank does not guarantee that the card management feature (or any portion thereof) will be available at all times or in all areas.
You acknowledge and agree that certain functionality with the card management feature may not be available for all transactions. Commands based upon the location of the mobile device where the card management feature is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the location of the actual location of the merchant differs from the merchant’s registered address.
You acknowledge and agree that neither the Bank nor its third-party services providers (including the developer of the technology enabling the Notifications) are responsible for performance degradation, interruption or delays due to conditions outside of its control. You acknowledge that neither the Bank nor its third-party service providers shall be liable to you if you are unable to receive Notifications on your mobile device in your intended area. Connecticut Community Bank, N.A. for itself and its third-party service providers, disclaims all liability for: any delays, mis-delivery, loss, or failure in the delivery of any Notification; any form of active or passive filtering.

TRANSFER NOW TERMS OF SERVICE
Effective January 2024

GENERAL TERMS FOR EACH SERVICE
1. Introduction. This Terms of Service document (hereinafter "Agreement") is a contract between you and Connecticut Community Bank, N.A. (hereinafter "we" or "us" or” Bank”) in connection with each service that is described in the rest of this Agreement that applies to services you use from us, as applicable (each, a "Service") offered through our online banking site or mobile applications (the "Site"). The Agreement consists of these General Terms for Each Service (referred to as "General Terms"), and each set of Terms that follows after the General Terms that applies to the specific Service you are using from us. This Agreement applies to your use of the Service and the portion of the Site through which the Service is offered.
2. Service Providers. We are offering you the Service through one or more Service Providers that we have engaged to render some or all of the Service to you on our behalf. However, notwithstanding that we have engaged such a Service Provider to render some or all of the Service to you, we are the sole party liable to you for any payments or transfers conducted using the Service and we are solely responsible to you and any third party to the extent any liability attaches in connection with the Service. 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. Service Provider and certain other capitalized terms are defined in a "Definitions" Section at the end of the General Terms. Other defined terms are also present at the end of each set of Terms that follow after the General Terms, as applicable.
3. Amendments. We may amend this Agreement and any applicable fees and charges for the Service at any time by posting a revised version on the Site. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Service after a notice of change or after the posting of a revised version of this Agreement on the Site will constitute your agreement to such changes and revised versions. Further, we may, from time to time, revise, update, upgrade or enhance the Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Service, and/or related applications and material, and limit access to only the Service’s more recent revisions, updates, upgrades or enhancements.
4. Our Relationship With You. We are an independent contractor for all purposes, except that we act as your agent with respect to the custody of your funds for the Service. We do not have control of, or liability for, any products or services that are paid for with our Service. We also do not guarantee the identity of any user of the Service (including but not limited to recipients to whom you send payments).
5. Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without our prior written consent, which we may withhold in our sole discretion. We reserve the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time to any party. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.
6. Notices to Us Regarding the Service. Except as otherwise stated below, notice to us concerning the Site or the Service must be sent by postal mail to: Connecticut Community Bank, N.A., 605 West Ave. 3rd Floor, Norwalk, CT 06850. We may also be reached at 1-866-831-9892 8:30AM-5PM ET. for questions and other purposes concerning the Service. We will act on your telephone calls as described below in Section 22 of the General Terms (Errors, Questions, and Complaints), but otherwise, such telephone calls will not constitute legal notices under this Agreement.
7. 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 as described in Section 6 of the General Terms above. 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.
8. 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 INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity 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 ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information.
9. 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.
10. 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.
11. 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.
12. Eligibility. The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an Eligible Transaction Account in the name of the minor with a parent or guardian as a co-signor or guarantor. By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.
13. Prohibited Payments. 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:
a. Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States) and

b. Payments that violate any law, statute, ordinance or regulation; and

c. Payments that violate the Acceptable Use terms in Section 14 of the General Terms below; and

d. 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

e. 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

f. 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, equities, 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 (including digital currencies such as bitcoin), or check cashing, or (6) provide credit repair or debt settlement services; and
g. Tax payments and court ordered payments.
Except as required by applicable law, in no event shall we or our Service Providers be liable for any claims or damages resulting from your scheduling of prohibited payments. We encourage you to provide notice to us by the methods described in Section 6 of the General Terms above of any violations of the General Terms or the Agreement generally.
14. 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 by the methods described in Section 6 of the General Terms above of any violations of the General Terms or the Agreement generally.
15. Payment Methods and Amounts. There are limits on the amount of money you can send or receive through our Service. Your limits may be adjusted from time-to-time in our sole discretion. For certain Services, you may have the ability to log in to the Site to view your individual transaction limits. We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf through 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 debit, a paper check drawn on the account of our Service Provider, or draft check drawn against your account.
16. Your Liability for Unauthorized Transfers. Immediately following your discovery of an unauthorized Payment Instruction, you shall communicate with customer care for the Service in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. If you tell us within two (2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period.
17. 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.
18. Failed or Returned Payment Instructions. In using the Service, you are requesting that we or our Service Provider attempt to make payments for you from your Eligible Transaction Account. If the Payment Instruction cannot be completed 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, our Service Provider may either advance funds drawn on their corporate account or via an electronic debit, and in such circumstances 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 or our Service Provider. In each such case, you agree that:
a. You will reimburse our Service Provider immediately upon demand the amount of the Payment Instruction if the payment has been delivered but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow the debit processing to be completed;

b. You may be assessed a late fee equal to one and a half percent (1.5%) of any unpaid amounts plus costs of collection by our Service Provider or their third-party contractor 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 the funds cannot otherwise be collected from you. The aforesaid amounts will be charged in addition to any NSF charges that may be assessed by us, 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 and our Service Provider to deduct all of these amounts from your designated Eligible Transaction Account, including by ACH debit;
c. Service Provider is authorized to report the facts concerning the return to any credit reporting agency.
19. Address or Banking Changes. It is your sole responsibility and you agree to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. Depending on the Service, changes may be able to be made within the user interface of the Service or by contacting customer care for the Service as set forth in Section 6 of the General Terms above. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions or contact information.
20. 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. The following provisions in this Section apply to certain Services:
a. Mobile Subscriber Information. You authorize your wireless carrier to disclose information about your account, such as subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes.
b. Device Data. We may share certain personal information and device-identifying technical data about you and your devices with third party service providers, who will compare and add device data and fraud data from and about you to a database of similar device and fraud information in order to provide fraud management and prevention services, which include but are not limited to identifying and blocking access to the applicable service or Web site by devices associated with fraudulent or abusive activity. Such information may be used by us and our third party service providers to provide similar fraud management and prevention services for services or Web sites not provided by us. We will not share with service providers any information that personally identifies the user of the applicable device.
21. Service Termination, Cancellation, or Suspension. If you wish to cancel the Service, you may contact us as set forth in Section 6 of the General Terms above. Any payment(s) that have begun processing before the requested cancellation date will be processed by us. You agree that we may terminate or suspend your use of the Service at any time and for any reason or no reason. Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.
22. Errors, Questions, and Complaints.
a. In case of errors or questions about your transactions, you should as soon as possible contact us as set forth in Section 6 of the General Terms above.

b. If you think your periodic statement for your account is incorrect or you need more information about a transaction listed in the periodic statement for your account, we must hear from you no later than sixty (60) days after we send you the applicable periodic statement for your account that identifies the error. You must:
1. Tell us your name;
2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
3. Tell us the dollar amount of the suspected error.

c. If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days after your oral notification. Except as described below, we will determine whether an error occurred within ten (10) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Eligible Transaction Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Eligible Transaction Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.
23. Intellectual Property. 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.
24. Links and Frames. Links to other sites may be provided on the portion of the Site through which the Service is offered for your convenience. By providing these links, we are not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any other site, and make no representations concerning the content of sites listed in any of the Service web pages. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to the Site. For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Site. This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers on the Site may send cookies to users that we do not control. You may link to the home page of our Site. However, you may not link to other pages of our Site without our express written permission. You also may not "frame" material on our Site without our express written permission. We reserve the right to disable links from any third party sites to the Site.
25. Password and Security. If you are issued or create any password or other credentials to access the Service or the portion of the Site through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without your consent, you must inform us at once at the telephone number provided in Section 6 of the General Terms above. See also Section 16 of the General Terms above regarding how the timeliness of your notice impacts your liability for unauthorized transfers.
26. 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 26 of the General Terms are cumulative and are in addition to the other rights and remedies available to us under this Agreement, by law or otherwise.
27. Disputes. In the event of a dispute regarding the Service, you and we agree to resolve the dispute by looking to this Agreement.
28. 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.
29. Law and Forum for Disputes. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. Unless our account agreement with you states otherwise, you agree that any claim or dispute you may have against us (other than those which are arbitrated under Section 28 of the General Terms above) must be resolved by a court located in the county in which you reside. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all claims or disputes unless said claim is submitted to arbitration under Section 28 of the General Terms of this Agreement. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement. BOTH PARTIES AGREE TO WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN THE RESOLUTION OF ANY DISPUTE OR CLAIM BETWEEN THE PARTIES OR ANY OF THEIR RESPECTIVE AFFILIATES ARISING UNDER THIS AGREEMENT.
30. Indemnification. You agree to defend, indemnify and hold harmless us and our Affiliates and Service Providers and their Affiliates and the employees and contractors of each of these, from any loss, damage, claim or demand (including attorney’s fees) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the Site or the applicable Service.
31. 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.
32. 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.
33. 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.
34. Limitation of Liability. THE FOREGOING 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 SECTIONS 28 AND 29 OF THE GENERAL TERMS ABOVE 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. 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.
35. Complete Agreement, Severability, Captions, and Survival. You agree that this Agreement is the complete and exclusive statement of the agreement between us, sets forth the entire understanding between us and you with respect to the Service and the portion of the Site through which the Service is offered and supersedes any proposal or prior agreement, oral or written, and any other communications between us. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The captions of Sections in this Agreement are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. Sections 2, 5-7, 11, 17, 18, 23, and 26-35 of the General Terms, as well as any other terms which by their nature should survive, will survive the termination of this Agreement. If there is a conflict between the terms of this Agreement and something stated by an employee or contractor of ours (including but not limited to its customer care personnel), the terms of the Agreement will prevail.
36. Definitions.
a. "ACH Network" means the funds transfer system, governed by the NACHA Rules, that provides funds transfer services to participating financial institutions.

b. "Affiliates" are companies related by common ownership or control.

c. "Business Day" is every Monday through Friday, excluding Federal Reserve holidays or other days that banks are legally closed.

d. "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.

e. "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.

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

g. "Service Provider" means companies that we have engaged (and their Affiliates) to render some or all of the Service to you on our behalf.

Transfer NOW -Last updated June 1, 2021(Fiserv)