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United National Bank BUSINESS eBANKING SYSTEM SERVICES AGREEMENT This Business eBanking System Services Agreement (“Agreement”), together with the applicable Terms and Conditions of Your Account for any account that is or will be linked (“Account”) to the Business eBanking System (“System”), governs the use of the System. You understand and acknowledge that that all such Accounts are to be used primarily for commercial or business purposes, and that this Agreement will control if there is any conflict between it and any agreement applicable to Your linked Account(s). In this Agreement, ‘You,’ ‘Your,’ or ‘Customer’ refers to each owner of the Account(s) accessed through the System and each person authorized to access the Account(s) using the System. A ‘Writing’ refers to a communication conveyed on paper and signed by a person with sufficient authority to bind Customer or Bank, as applicable, or an electronic message from a person with sufficient authority to bind Bank or Customer, as applicable, and conforming to the requirements of the Uniform Electronic Transactions Act as incorporated into the laws of the state governing this Agreement. By signing the Agreement or using the System and the services described herein available to Customer (collectively, “Services”). You agree to the terms and conditions set forth below. A. SERVICES 1) Generally. As requested by Customer, Bank will enter into the System balance information and/or itemized debit and credit information for Accounts on a daily basis. Bank shall provide System instructions to Customer. The System is for Customer’s internal use to enable Customer to obtain balance and other Account information and to direct payments from Account(s) to third-parties (collectively, “Payees”, and each individually, a “Payee” when using the bill payment module; collectively “Beneficiaries”, and each individually a “Beneficiary” when accessing Wire Transfers; and collectively “Receivers”, and each individually a “Receiver” when using the Automated Clearing House (ACH) network). The System may be used to: • Transfer funds between Customer’s Accounts; • Obtain balance and transaction information on Accounts; • View front and back images of checks and deposits posted to Accounts; • Order bill payments from Customer’s checking Account to Payees; • Order Bank to stop payment of checks drawn on Customer’s checking Account(s); • Request eStatements, as described below, for electronic delivery and access of monthly statements for eligible Accounts; and • Obtain other online services as may be made available by Bank from time to time In addition, Customer may apply for and, if approved by Bank, obtain supplemental services that may be completed using the System or other technology supplied by Bank. Customer must request individually each supplemental service it wishes to utilize through the System and each supplemental service offered by Bank through the System will be subject to the terms and conditions set forth in separate agreements. These supplemental services may be used to: • Order wire transfers from Customer’s checking Account to Beneficiaries; • Originate ACH debit and/or credit transactions from Customer’s Accounts to Receivers; • Use the Remote Deposit Capture service, as described below, to deposit checks into deposit Accounts from Customer’s location; • Use the Positive Pay service, as described below, to compare cleared checks against previously submitted issue files; • Use the ACH Positive Pay service, as described below, to review incoming ACH debits for issuance from previously authorized originators; 2) Specific Services. a) Internal Funds Transfer Service. The internal funds transfer service may be used to Transfer funds on a same day basis between Customer’s Accounts with Bank. With this service, Customer may: • Transfer funds between Customer’s Accounts on a specified date in the future or on a recurring basis (e.g., weekly, bi-weekly, monthly, etc.); and Business eBanking System Services Agreement rev. 01/16 7253170.3 • Transfer funds on a same day basis from Customer’s Account(s) to make a payment on a loan or line of credit You have with Bank. All transfers are subject to sufficient funds being available in Customer’s Account at the time of the transfer and may be limited by controls used by Bank to manage the risk associated with such transactions. A “Business Day” is a day on which Bank is open and conducting substantially all of its normal activity; typically Monday through Friday, excluding Federal holidays. Internal transfers scheduled to be completed on a Business Day will be posted to Customer’s account as of that Business Day. Internal transfers scheduled to be completed on a future day that is not a Business Day will be completed and posted to Customer’s account as of the previous Business Day before or the next Business Day after the date the transfer is scheduled, depending on Your specifications. Internal transfers scheduled to be completed on a day which does not exist in a certain month (e.g., February 30th) will be completed and posted to Customer’s account as of the last Business Day of the month. Transactions conducted on a Business Day before 7:30 p.m. (Eastern Time) Monday through Thursday and 10:30 p.m. (Eastern Time) on Friday are posted to accounts as of that Business Day, subject to sufficient funds being available in the Account from which the transfer is being made. Transactions conducted after those times on a Business Day or at any time on a non-Business Day are posted to accounts as of the next Business Day, subject to funds availability in the Account from which the transfer is being made. Transactions posted to Customer’s account as of a certain Business Day may not be reflected in account balances provided by the System until the next Business Day based on presentment of transactions and processing schedules. b) Bill Payment Service. The bill payment service may be used to schedule the payment of funds from Customer’s checking and money market Accounts to Payees that have been selected to receive payment using the service. The service allows bill payments in a number of ways: • An immediate payment is a single transfer of funds to a Payee to be made as soon as possible after the transfer request is submitted. • A recurring payment is one of a series of transfers of a fixed amount of funds to a Payee on a regular, periodic basis. • A future-dated payment is a single transfer of funds to a Payee to be made on a date You specify up to 364 days in advance. • A payment that is made following the receipt of an electronic bill (“e-bill”). Bill payments made through the service require sufficient time for the Payee to credit Customer’s account properly. To avoid the assessment of late charges by the Payee, Customer should make the payment at least five Business Days before the due date of the payment. Payment requests submitted on a Business Day before 7:30 p.m. (Eastern Time) Monday through Thursday and 10:30 p.m. (Eastern Time) on Friday are initiated on that Business Day provided sufficient funds are available in the Account from which the payment is being made. Transactions conducted after those times on a Business Day or at any time on a non-Business Day are initiated on the next Business Day, subject to funds availability in the Account from which the payment is being made. Bank cannot guarantee prompt receipt and processing of payments by Payees and shall not be responsible for any charges imposed or other action taken by a Payee because of a late payment, including but not limited to finance charges and late fees. Bank may terminate access to the bill pay service after six (6) consecutive months of inactivity. c) Stop Payment Orders. An order by Customer to Bank, using the System, to stop payment of a check drawn on Customer’s checking account is subject to applicable law concerning stop payment orders, and such an order, modification or cancellation thereof, using the System, shall be considered to be an order made in Writing. d) eStatements. Bank will provide Customer with the option to utilize the eStatements service, which allows Customer to access Account statements through the System. Upon acceptance of the applicable terms and disclosures, the eStatements feature may be used to receive electronic delivery of Account statements through the System. The ability to sign up for and retrieve eStatements is assigned by the Administrator. Enrollment in eStatements will terminate paper delivery of statements from Bank to Customer or any third party designations. In order to receive paper statements after electing to utilize the eStatements service, Customer must notify Bank at the applicable address or phone number set forth below. e) Wire Transfer Service. Customer may use Bank’s Wire Transfer Service to order wire transfers from Customer’s Account(s) to Beneficiaries. You may only use this service if You have completed and signed Bank’s Wire Transfer Agreement and any associated documentation, that material has been submitted to Business eBanking System Services Agreement - 2 - rev. 01/16 7253170.3 and approved by Bank, and it remains in effect. Any payment instruction permitted under the Wire Transfer Agreement will be equally effective if transmitted electronically by use of the System in accordance with this Agreement and accepted by Bank. f) ACH Origination. You may use the ACH Origination Service to initiate ACH debits and credits to consumer and commercial US bank accounts. You may only use this service if You have completed and signed Bank’s ACH Origination Services Agreement and any associated documentation, that material has been submitted to and approved by Bank, and it remains in effect. g) Remote Deposit Capture. The Remote Deposit Capture Service may be used to deposit certain paper items (checks) into Customer’s checking or savings Accounts at Bank from Customer’s location using the scanning device provided by Bank.
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