EFTA01368610.pdf

Table of Contents 1. Internet Banking Services 3 2. Use and Termination of Services 3 3. Passwords, Authentication and Security 4 4. Internet Banking Services Fees 6 5. Business Days and Hours 6 6. Liability 7 7. Errors or Questions 9 8. Confidentiality and Data Protection 10 9. Payment and Transfer Limitations 10 10. Payment Amendments and Cancellations 11 11. Preauthorized Payments (For Consumer Electronic Funds Transfers Only) 11 12. Bill Payment Services 11 13. ACH Services 13 14. Positive Pay Services (For Business Clients Only) 16 15. Account Reconciliation Services (For Business Clients Only) 17 16. Stop Payment on a Check 17 17. Failed or Returned Transactions 17 18. eStatement Service 17 19. Disclaimer of Warranties; Limitation of Liability 18 20. Intellectual Property and Other Proprietary Rights 19 21. Regulation and Export of Software 19 22. Indemnification 19 23. Third Party Links 20 24. Cutoff Times 20 25. Offer of Online Banking Services through Affiliates or Third Parties 20 26. Miscellaneous 20 1 Doutsaw Bank Intorno, Banking Seavicus A9nromerrt fur DD Po PM(' Woallti Orlin° Pim; CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) DB-SDNY-0060429 CONFIDENTIAL SDNY_GM_00206613 EFTA01368610