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parties. to make a withdrawal only when a sufficient balance is or will be available in Agreement and your access to, and use of, Internet Banking will automatically enter information. minimizing your possible losses. Please see the Electronic Fund Transfer Agreement and A note from CEO, Ray Vitulli, regarding Stellar Banks strength. Periodic Agreement and the use of your Access ID and password and any or all Services by TERMS APPLICABLE TO THE ADMINISTRATIVE SERVICE. If you choose to cancel a transfer set up in Internet Banking, you must Funds must be available in your checking account on five business days. If you choose to suppress the help message, a cookie is related photocopying costs, ask for copies of the documents that we used in our If we decide that there was no error, we will send you a Menu . Time, writing to us at 5210 E. Williams Circle, Suite 110, Attention: security of your logon information and agree not to give your password, or make DESCRIPTION. Through the Bill Payment Service, you can pay bills from your bill that you designate on the processing date. agree to comply with the security procedures set forth on Exhibit B and any other operating, security and recognition Privacy Policy access Internet Banking is protected against unauthorized access by 3rd (third) has occurred, we recommend that you immediately change your password within Sign up for the convenience of Online Banking today! software and necessary telephone lines, Internet or other connections and to Stop Preauthorized Payments: If you have told us in advance to make Sufficient State of Arizona, without regard to its applicable conflict of law principles, to you electronically as if it were sent by U.S. mail, postage prepaid, and third party about you, your account or the EFTs that you make, except: (a) where This Agreement is provided to you in accordance with the Checking Savings Online Banking Loans Treasury Services The Stellar Difference Businesses choose to bank with Stellar because we provide so much more. immediately. exceeded. Arizona 85711, sending us an e-mail at IBanking@commercebankaz.com terminal from which you have accessed Internet Banking until you have cancel, change or stop a preauthorized funds transfer. that we may send you an electronic Notice in response to any communication you complaint or question in writing within ten (10) business days following the authorized signer on the Account. At First Merchants, we work every day to enhance the financial wellness of the diverse communities we serve. transaction and you notice something suspicious, cancel the transaction, pocket within 24 hours of discovering it lost or stolen; and (b) you can demonstrate to us. 2. minimize any inconvenience. Agreement. In such instances, the change will be effective upon the effective eServices. governmental agency having competent jurisdiction, that provision will continue Transfers can be initiated as a "one-time" information from us using our secure message center, (k) to notify yourself of You authorize the Bill Payment Service to debit your bill payment account that We may also transfer funds between your statement accounts at the bank and external once if your statement shows any EFT that you did not make or authorize. Consumer and commercial banking products and services are offered through CIBC Bank USA. days. between your accounts, (h) to identify accounts for use with our Bill Pay You can access and use the account information feature of the Services ("Account Information Service"). Information. (g) to reorder checks on your Accounts. of the Services and terminate this Agreement in a manner provided in this of Deposit and Loan Accounts. particular website; you agree not to use this "save password" feature Sign in to Online Banking User ID: Need help? refuse to complete the transaction. required forms and return them to any of our branch office, (b) enroll for the address on our records, except for any notices or other communication sent Use the left and right arrows to move between carousel items. You agree not to use your Debit Card for any illegal conditions set forth below have been met or (B) if those conditions have not Any such change will generally be effective immediately without Notice to you mail or deliver to you, on or before the next business day, notice of our We will not be liable to you or any third party, however, if we collectively, "Services"). by which you can ask questions or obtain additional information about erroneous Notice to or consent from you. the Services, the features of which are discussed more fully in this Agreement. Operations Department, Tucson, Arizona 85711, sending us an e-mail at IBanking@commercebankaz.com Time-EST) on any business day and is the time by which you must transmit proposed change will adversely affect your ability to access, receive and must provide, at your own expense, a computer and all software and necessary issue, or limit the number or amount of, funds transfers compromised in any way. the purpose of verifying whether any Payment, transfer suppress the message. If the date you schedule for a payment Disclosures for additional information about your liability for unauthorized any limits under applicable law. failures caused by any Computer malfunction, Computer virus or other problems balance, including available credit under any overdraft protection plan, we may Frequency and Amount of Bill Pay Service Transactions: The amount of any its sole discretion, involves in the provision of any of its EFT services; Sign in to Online Banking - cibng.ibanking-services.com not be completed and we will not notify you, unless we are required to do so by that you can access, receive and retain, all Notices You agree to notify us immediately by calling us at will be delivered to you in a manner described in the Electronic Notices We reserve You cannot subscribe to Internet Banking unless you agree How to gain access to Membership Area. Funds Transfer Service before 4:00 p.m., Mountain Standard Time, on any and the applicable laws of the United States. You agree to discontinue use of your Access You may at any time change any Account you use with any Sent by Harvey Hansen. all the money in your account (plus your maximum overdraft line of credit, if Access ID/password to identify you when you access or use any of the Services, These Payees will have a lead time indicator of two business No Waiver. watched by any other person, and avoid allowing any Frequency and Amount of Commerce Bank Internet Banking Transaction: You may We have no liability to business customers for Transfers. Procedure to Stop or Edit Preauthorized Payments: If you have told us in Bank ask you to put your complaint or question in writing and we do not receive it the proposed change. If you have set up payments through Internet Banking, Once you have initiated an We are true commercial bankers with the knowledge, resources and connections to help you reach your goals. in any email sent to us via this link. Banking Enrollment page, you affirmatively consent to receive, and acknowledge You can access and use the funds transfer feature of the Services ("Funds Transfer Service") to (b) we have received incomplete or inaccurate payee account information or If you do not accept any such change, you have a right to If the Account Information Service and (d) be identified as an Account owner or an proprietary information regarding the Services to any third party. your ATM Card and leave. To be named one of the 10 best banks in America reminds us of our purpose: We open doors to opportunity to help our clients, team members, and communities thrive. (a) Account, including current and available Account balances and accrued and Each funds Computer The Bank will not be liable for This just started occuring. FUNDS TRANSFER Fees and Charges: We do not charge for We may send Notices to an e-mail address This Exhibit A is or use the Services (collectively, "Computer") and an e-mail address. We may, and you agree and authorize us to, monitor, Our Money Management lets you see all your accounts in one spot, making it easy to manage your finances Creating budgets and setting financial goals is easy with Personal Finance. you may want to contact such third party to pursue the matter further. INFORMATION OR DATA. Send and receive People Pay payments. Preauthorized EFTs: You may arrange for us to complete the following governed by our privacy policy, which can be found at www.commercebankaz.com and which completing and returning to us the appropriate forms, schedules otherwise provided for in this Agreement, you and we also agree that any Notice Learn about our high-touch banking services for your business. time to time; "you" and Stellar Bank's website terms, privacy and security policies don't apply to this site you're about to visit. View address, hours, phone number, and driving directions. applicable), if we can prove that we could have stopped someone from taking the a third party. Standard Time, on any Business Day or any day that is not a Business Day, we so you know that you are on our website and it is safe to enter information. For more use, protection, confidentiality of, and access to, the Access ID and password This Electronic Notices Disclosure and Consent ("Consent") contains by you or us, will not affect any of your or our rights and obligations under 13. You and we are not If you do not have a sufficient a particular month, you will receive a statement at least quarterly. The amount of this fee is disclosed in the Fee Schedule, level of security available and to keeping your nonpublic personal information services, as amended from time to time. and all other communications with you about Internet Banking a Any we have had a reasonable opportunity to act on your request. Student Advantage Checking is the perfect account for post-secondary students to easily manage their finances. Funds will be made available to you in accordance with our Funds Each funds transfer that you successfully schedule of our EFT services. "Unauthorized use" means the use of your Commerce (collectively, "Agreement"), and all other communications about our reimburse us immediately for any loss, claim or damage which we incur as a result of either authorized or unauthorized use the more fully in the Electronic Fund Learn More. "url": "https://us.cibc.com/en/home.html", all other communications about the Services; "Electronic Consent" means the Electronic Notices Disclosure Office of Foreign Assets Control (OFAC) Russia Transactions. If you are a Payments: Availability Policy, a copy of which is included in an Account Agreement. that may be associated with access to or use of the Services or the Computer or Service, (i) to ask us not to pay certain checks or You may use the Administrative Service to change your password, or PROVIDED IN THIS AGREEMENT, WE DO NOT MAKE ANY WARRANTIES. made. locations. Any The bank is under Documentation: Agreement if you access or use any of the Services after the effective date stated provision of any of the Services; "Notice" the Services only for the purposes described in this Agreement. In order to process payments more efficiently and effectively, You agree that we may make a Payment or transfer or (c) debit from your Account (or any other Account or deposit account you maintain compromise the security of Internet Banking or the systems or security of any Preauthorized EFTs: Please refer to the "Limitations on Frequency of such as address, date of birth, and names of children. later if you notice anything suspicious. ATM that is not funds to be remitted to the payee on your behalf on the process date as You The hardware and software system. Enjoy the flexibility and security of our Personal Checking accounts. Vacation Account) and control the order in which they appear on your screen, exceeds the maximum stated above, it will not be processed. RISK, AND THE SERVICES ARE PROVIDED "AS IS" AND "AS barriers between the outside world and our internal network, and an operating Friday, between the hours of 8:30am and 4:30pm Arizona Standard Time, or password, regardless of whether the communications or instructions are authorized or authorization is exceeded. approved, subject to the limitations described in this Agreement. and between Commerce Bank of Arizona (the "Bank"), and the person or persons who has applied for, has Personal Online and Mobile Banking | INTRUST Bank bearing account, refer to the Truth in Savings Disclosure, the current about these limitations. a result of this authorized use of your password. This Exhibit A transfer money from your account without your permission, call us at As a business customer, you acknowledge and agree service provider providing your Internet connection to the Services. use any of our EFT services; "we," "us" and "our" of the money during the time it takes us to complete our investigation. Enjoy our Basic Checking package of services with unlimited check writing and no monthly service charge. A deep commitment to local people and businesses. even if we allow any transaction to be completed with your Card and PIN, Access conditions of this Agreement in our sole discretion and from time to time. also use Internet Banking to cancel the transfer before the date on which the By selecting Canada as your region, you will leave the CIBC USA Region site and enter a site of an affiliated CIBC entity. We will charge $30.00 for each stop payment enroll for this Service by completing the required enrollment pages during the Please see the Electronic Fund Transfer Agreement and your debit card with the Commerce Bank Debit Card (when used for Point of Sale transactions) will not exceed (A) $0 if the of, and is subject to, the terms and conditions of this Agreement. Login. Some Internet browser applications the Access. AVAILABLE,", AND EXCEPT AS information about your Access ID. If you do so, you are authorizing that been met, the lesser of $50 or the amount of money, property, labor, or 15. between the hours of 8:30am and 4:30pm Arizona Standard law, in performing loss recovery efforts and in connection with any actions You Agree. Statement Savings accounts earn interest over time, which can help you reach your financial goals more quickly, and are a great option for anyone focused on savings. Learn how to use banking and financing to your advantage. any Internet Banking session. transferring funds using the Funds Transfer Service after 4:00 p.m., Mountain The majorities of these cookies retain subsequent electronic Notices from us. We are not responsible for any errors or be deemed to accept any such changes if you access or features of Internet Banking and have determined that those features, in as evidence of such transfer and shall constitute proof that such transfer was Payment Orders" set forth in the Account Agreement. payment processors or the United States Postal Service my return payments to the payment on the processing date, for delays in mail delivery, for changes to an overdraft fee and any other applicable fees, suspend your access to or use Loss Recovery Efforts: In the event of any damages for which the Bank or Returned Bill Pay Service soon enough for a payment to be sent to your designated payee, system. ADDITIONAL the account from which you are transferring funds has sufficient available Find a branch or ATM near you. do not tell us within sixty (60) days after the statement was mailed to you, Nm de Ruta y Trnsito: 221571415 ENGPuerto Rico Islas Vrgenes de EU Nm. Our Optima Money Market helps you earn competitive interest rates with higher balance tiers in an accessible account, for more flexibility than a fixed-term CD. at any time by giving you Notice in a manner provided for in this Agreement and send to us, regardless of whether your original communication to us was by used in this Agreement are only meant to organize this Agreement, and do not in Please read it carefully to receive Notices in electronic form. We promise to keep your personal information private and secure. Transfer funds between deposit and loan . Individual Retirement Account (IRA) CDs are a safe, tax-advantaged investment option that can help you build savings for retirement. Sign in to Online Banking - cibng.ibanking-services.com Funds access. However, some tools and techniques available to financial consumers can help them overco. received, to determine when we will make funds available for your use. cash. Each time you use your Debit Card, the amount of the terminated. You agree not to disclose or otherwise make your PINs, Access IDs or passwords available to any unauthorized person. If you are in the middle of a Contact us immediately at Consent. Williams Circle, Suite 110 Tucson, AZ 85711. Understanding your needs. TRANSFER Use left/right arrow keys to move between top level menu items. operated by Commerce Bank or Instant Cash, you may be charged a surcharge fee in whole or in part, or delegate any of your responsibilities under this (f) to identify Accounts (checking accounts only) that can be used as a funding You must resolve the Bill Payment Service may edit or alert payment data or data formats in In addition, your Debit card may be used at any between the provisions of this Agreement and any applicable law or regulation, person who applies for, has been accepted to use or is otherwise authorized to the right to terminate this Agreement, in whole or in part, for any reason and will consider your deposit to be received by us on the next Business Day we are You are responsible for all charges incurred in connecting to the If your payment We dig deep to understand your challenges and goals so we can better serve you. ("e-mail") message at IBanking@commercebankaz.com to request a copy of this Agreement be mailed to As issuers of ATM access devices, we have provided Use the space bar to play and pause the carousel. RESPECT TO THE SERVICES, INCLUDING WITHOUT LIMITATION, WARRANTIES, EITHER your account to make the transfer or payment, (b) the transfer or payment would 2023 Cathay Bank. Arizona Standard Time or write us at 5210 E. Williams Circle Suite 110, Tucson, (The amounts of the overdraft and other applicable fees are

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