EFTA Document EFTA01413064

Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus WM145781 010198.080714 EFTA01413064 Table of Contents 1 Internet Banking Services 2. Use and Termination of Services 3. Passwords, Authentication and Security Internet Banking Services Fees 4. 5. Business Days and Hours 6. Liability 7. Errors or Questions 8. Confidentiality and Data Protection 9. Payment and Transfer Limitations 10. Payment Amendments and Cancellations 11. Preauthorized Payments (For Consumer Electronic Funds Transfers Only) 12. Bill Payment Services 13. ACH Services 14. Positive Pay Services (For Business Clients Only) 15. Account Reconciliation Services (For Business Clients Only) 16. Stop Payment on a Check 17. Failed or Returned Transactions 18. eStatement Service 19. Disclaimer of Warranties; Limitation of Liability 20. Intellectual Property and Other Proprietary Rights 21. Regulation and Export of Software 22. Indemnification 23. Third Party Links 24. Cutoff Times 25. Offer of Online Banking Services through Affiliates or Third Parties 26. Miscellaneous 3 3 4 6 6 7 9 10 10 11 11 11 13 16 17 17 17 17 18 19 19 EFTA01413065 19 20 20 20 20 1 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413066 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus Effective August 2014 We at Deutsche Bank Trust Company Americas (the "Bank," or "we" or "us") are pleased that you have elected to use our Internet banking services, including any software, editorial content, computer code, graphics and information provided by the Bank or on behalf of the bank in connection with the services (together with any successor thereto or modification thereof, the "Internet Banking Services" or the "Services") as described below. However, before you may enter our website (the "Site") and utilize the Internet Banking Services, you must review and agree to the following terms and conditions. This Internet Banking Services Agreement, including any amendments and addendums hereto, (this "Agreement") specifies the rights and obligations of you and the Bank with respect to the use of the Site and the Internet Banking Services, and is a legally binding agreement between the Bank and you concerning your use of the Site and the Internet Banking Services. In this Agreement, the words "you," "your," and other similar terms refer to each person that has selected a Private Wealth ID (as defined below), and assigned a User ID (as defined below) and Password (as defined below) to access the Site and use the Internet Banking Services, including any authorized user(s) of such Private Wealth ID, User ID and Password and any other person permitted by you to access the Site and the Internet Banking Services under the terms hereof by virtue of such person's relationship with you ("Other Permitted Persons"). "Account" or "Accounts" refer to your Deutsche Bank Trust Company Americas deposit account(s) that you have designated for use with the Internet Banking Services. Undertakings and obligations of the Bank or any of its affiliated companies (collectively, the Bank and its affiliated companies are referred to as the "Deutsche Bank Group" and individually as a "member of the Deutsche Bank Group") hereunder shall be for the sole and exclusive benefit of customers of such member of the Deutsche Bank Group using the Site and the Internet Banking Services, and no other persons (including, without limitation, Other Permitted Persons) shall have any rights hereunder or otherwise by virtue of their use of the Internet Banking Services. You represent and warrant to the Bank that you have the right and authority to request and receive information concerning all of the Accounts including any Accounts for which you are not the named account holder or beneficiary of record (the "Associated Accounts"). If you are not the named account holder or beneficiary of record, you represent and warrant to the Bank that you have the authority to act as agent and/or attorney on behalf of the named Account holder and the beneficiaries of all of the Associated Accounts for the purposes set out in this Agreement and in accordance with the terms EFTA01413067 of this Agreement. You agree that you will immediately notify us if your authority should change in such a way so that you are no longer empowered to make the authorizations set out above You understand and agree that by using the Site and the Internet Banking Services, you and each Other Permitted Person agree to be bound by the terms hereof, as amended from time to time in accordance with the terms hereof. You also understand and agree that your use of your User ID and considered the same as your written signature in authorizing us to complete any transaction or request All electronic communications that meet these requirements will be deemed to be valid and authentic agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals or copies, absent proof of altered data or tampering. THIS AGREEMENT PERMITS US AND YOU TO DELIVER CERTAIN INFORMATION TO EACH OTHER ELECTRONICALLY INSTEAD OF ON PAPER OR "IN WRITING." THE INFORMATION WHICH MAY BE DELIVERED ELECTRONICALLY INCLUDES, BUT IS NOT LIMITED TO, NOTICES, DISCLOSURES AND OTHER INFORMATION REQUIRED BY FEDERAL LAW UNDER THE ELECTRONIC FUND TRANSFER ACT AND REGULATION E OF THE CONSUMER FINANCIAL PROTECTION BUREAU. Please carefully read this entire Agreement. By signing this Agreement, you consent to our electronic disclosures. By your consent you agree that we may provide you with all disclosures, notices and other communications (collectively, the "Documents") about the Site and the Internet Banking Services, including this Agreement and any future amendments thereto, in electronic form. You may download or print the Documents from your computer. At your request, we will provide you with a paper copy of any of the Documents without any fee. You have the right to withdraw this consent without any fee, but if you do, we will immediately terminate your participation in the Internet Banking Services. You have the right to obtain copies of any of the Documents we provided electronically, update your email address or withdraw your consent to our electronic disclosures by calling us at 1-866-362-4796, or write to us at Deutsche Bank Trust Company Americas, Banking Service Team, 345 Park Avenue, MS NYC20-0108, New York, NY 10154. Your signing this Agreement constitutes your agreement with and acceptance of all of the terms and conditions contained in this Agreement and your agreement to be bound by said terms and conditions. If you do not agree with all of the terms and conditions in this Agreement, you will not be authorized to enter the Site or use the Internet Banking Services. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Password will be communicated to us. and you intend and EFTA01413068 Online Plus 2 EFTA01413069 You agree to the following terms and conditions: 1 Internet Banking Services A. Consumer Internet Banking Services If you are a consumer client of the Bank, the Internet Banking Services will allow you to: i. ii. iii. perform Account balance and transaction inquiries on checking, savings and money market Accounts. (Note: Balance figures may not reflect recent transactions, and may include funds that are not subject to immediate withdrawal); transfer funds electronically between linked checking and savings Accounts with us (the "Transfers"), subject to transfer and withdrawal restrictions set forth below and in the Deposit Account Terms and Conditions (the "Account Agreement") that governs such Account; register for bill payment services to pay bills or make payments (the "Bill Payments") from your Account(s) to entities or persons in the United States (the "Bill Payment Service") via either ACH payments or checks. iv. initiate stop payment orders, subject to the terms and conditions contained in the Account Agreement. v. send email messages relating to technical support issues and inquiries concerning the Internet Banking Services to a help desk operated by a third party acting as our agent (the "Service Provider") on behalf of the Bank; vi. access information on products provided by the Bank and other members of the Deutsche Bank Group. vii. view, print and download electronic Account statements by enrolling in the eStatement service (the "eStatement Service"), which may also cancel your paper statement; viii. view images of checks; ix. initiate ACH payments to business entities or persons in the United States; and x. initiate external wire transfers using the Fedwire system, when transfers are placed by the Fedwire deadlines (5:30 p.m. New York time for all domestic wires). B. Business Internet Banking Services If you are a business client of the bank, the Internet Banking Services will allow you to conduct those activities described above in connection with Accounts held by consumer clients, plus the following: i. ii. make state and federal tax payments; and iii. export Account transaction information to Intuit® QuickBooks. C. Some portions of this Agreement apply only to consumer Internet Banking EFTA01413070 Services. If your Account is a non-consumer account or if you use an Internet Banking Service for a transaction not covered by the Electronic Fund Transfer Act and its implementing Regulation E, then some portions of this Agreement may not apply to you or to the transaction. These inapplicable portions are labeled below as "For consumers" or similarly designated as applicable only to consumer Internet Banking Services. 2. Use and Termination of Services A. The Bank agrees to provide you with access to the Site and the Internet Banking Services in accordance with the terms of this Agreement. B. You agree to use the Site and the Internet Banking Services in a manner consistent with any and all applicable laws, rules and regulations as well as the terms and conditions set forth in this Agreement, on the Site, and in documentation accompanying and/or contained within the Site and the Internet Banking Services or otherwise provided to you by us or on our behalf by our Service Providers. C. The Bank may terminate your access to and use of the Site and the Internet Banking Services at any time in the event you breach any of the provisions of this Agreement. D. To use the Internet Banking Services, you must have at least one deposit Account with the Bank, which may include the following types of Accounts: checking, savings or money market. If you have designated a joint Account to be accessed through the Internet Banking Services, each joint owner will be jointly and severally liable under this Agreement. We may act upon the instructions of any joint owner concerning the Account without the consent of any other person. E. Accounts with access restrictions such as "two signatures required" should not be accessed through the Internet Banking Services and you agree not to do so. Nevertheless, if you do, you agree that we may process the transaction without regard to the restriction. That is, you understand that access to the linked Accounts, including the ability to initiate payments, will occur without regard to any withdrawal restrictions otherwise applicable to the Accounts. You agree that any arrangements with us to require one or more authorized signatures for transactions involving your Accounts do not apply to transactions using the Internet Banking Services. initiate ACH Payments to business entities or persons in the United States, including personal payments such as payroll, and corporate payments such as disbursements, cash concentration and vendor payments; 3 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413071 F. You agree to provide us with any additional documentation we may require to permit access to your Account. If you apply for a service through the Internet Banking Services, or ask to change an Account or service you already use with us, you agree that we can treat your application or request as if it had been made in writing and signed by you. You understand by enrolling for the Bill Payment Services, you authorize us to investigate and verify any information supplied by you. You authorize us to make any credit or investigative inquiry that we determine appropriate. G. You will be responsible for acquiring, maintaining and operating any hardware, systems, software and telecommunications connections located at your premises and a connection to the Internet. The Internet Banking Services require no software installation, but minimum systems requirements do apply. The Internet Banking Services can be accessed through an Internet Service Provider (ISP) and a 128-bit SSL capable browser. Supported browsers are Apple Inc. Safari, Microsoft Internet Explorer, Google Chrome and Mozilla Firefox using current and previous releases only. H. The Site and the Internet Banking Services may be inaccessible from time to time for business or technical or maintenance reasons. The Bank and its Service Providers will not be responsible for any losses or inconvenience caused by such unavailability periods. Should the Site or the Internet Banking Services be inaccessible, all banking transactions will be conducted according to traditional branch level limits and account authorities. I. Service Termination, Cancellation or Suspension In the event you wish to cancel the Internet Banking Services, you may contact customer service via one of the following: a. Telephone us at 1-866-362-4796 during customer service hours; and/or b. Write us at: Deutsche Bank, Banking Service Team, 345 Park Avenue, MS NYC20-0108, New York, NY 10154. ii. Any payment(s) or transfer(s) the Bank has already processed before the requested cancellation date will be completed by the Bank. All Scheduled Payments (as defined below) including recurring payments will not be processed once the Internet Banking Services are cancelled. iii. The Bank may, without liability or prejudice, temporarily suspend or permanently terminate any or all aspects of the Internet Banking Services without notice. Any termination of this Agreement shall be without prejudice to the accrued rights of the parties on the date of such termination. iv. Please note that your access may be disabled at the discretion of the Bank if there is an extended period of inactivity, and reenrollment will be necessary to obtain a new User ID and EFTA01413072 Password. v. You agree to return to the Bank or, as appropriate, to delete any software provided through the Internet Banking Services in your possession immediately upon termination or cancellation of the Internet Banking Services for any reason. vi. If you have enrolled in the eStatement Service and, pursuant to this Section, Internet Banking Services are cancelled, terminated or suspended, Account statements in paper form shall be provided to you. 3. Passwords, Authentication and Security A. When you enroll in the Internet Banking Services, you will complete an application (the "Private Wealth Online Plus Account Opening Application") and select an identification (the "Private Wealth ID"). The Private Wealth ID is an alphanumeric code that you (and any users you grant access to the Internet Banking Services) will need to log in to the Services. The Bank will assign you a user identification (the "User ID") for the primary user and an initial password ("Password") for the primary user. The primary user must change the Password when logging in for the first time. The primary user may use the Internet Banking Service to add users. The Private Wealth ID, User ID and Password must be entered to access your Account(s), pay bills or perform other banking transactions using the Internet Banking Services. You are responsible for maintaining the confidentiality of your Private Wealth ID, User ID and Password. You recognize that anyone with knowledge of your Private Wealth ID, User ID and Password will be able to access your Accounts and initiate transactions. You may change your Password at any time. B. Use of the Internet Banking Services relies on advanced authentication for increased security. An additional authentication step may be required at times and you and any users you have authorized to use the Internet Banking Services may be prompted to enter a one-time security code based on the telephone numbers the Bank has in its records. You are responsible for providing accurate telephone numbers for you and your users to the Bank. C. You agree that we may send notices and other communications, including Private Wealth ID, User ID and Password to the current address and/or email address that you have provided us for our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that the Bank will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to: EFTA01413073 i. keep your Private Wealth ID, User ID and Password secure and strictly confidential; ii. instruct each person to whom you give your Private Wealth ID, User ID and Password that he or she is not to disclose such information to any unauthorized person; Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 4 EFTA01413074 iii. immediately notify us and select a new Password if you believe your Password may have become known to an unauthorized person; and iv. the Bank shall treat all statements and instructions issued using the Private Wealth ID, User ID and Password as having been issued by you, and that the Bank and its Service Providers shall act in reliance upon such statements and instructions. The Bank and its Service Providers will have no liability to you for any unauthorized payment or transfer made using your Private Wealth ID, User ID and Password that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. We may suspend or cancel your Private Wealth ID, User ID and Password even without receiving such notice from you, if we suspect your Private Wealth ID, User ID and Password are being used in an unauthorized or fraudulent manner. D. For your protection, we recommend you memorize your Private Wealth ID, User ID and Password and do not write them down. For added security, you should change your Password periodically. A properly constructed Password affords you a greater degree of assurance. A Password is more secure if: i. it contains more characters; ii. iii. if those characters are both alpha and numeric characters; and if it consists of both upper and lower case. If your Password is entered incorrectly on 5 consecutive access attempts, your access to the Internet Banking Services will be blocked. If this occurs, please call Customer Support at 1-866-362-4796 to have your Password reset. You should also take precautions to protect your personal identification information, such as your driver's license, and social security number. If you believe that your Private Wealth ID, User ID or Password have been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, notify us immediately by calling the number above. E. We may provide you with an initial set of security codes, including numbers and entry codes (collectively, the "Security Code") to access the Internet Banking Services. We may also provide you with operating procedures and user guides (the "User Guides") in connection with certain Internet Banking Services. You agree to: i. comply with the User Guides and procedures that we provide to you; EFTA01413075 take reasonable steps to safeguard the confidentiality and security of the Security Code, User Guides, and any other proprietary property or information we provide to you in connection with the Internet Banking Services; iii. closely and regularly monitor the activities of Other Permitted Persons who access the Internet Banking Services; and iv. notify us immediately, preferably by telephone, if you have any reason to believe the security or confidentiality the Security Code has compromised or that your Security Code has been misused or become known to an unauthorized person. You agree to change your Security Code from time to time, and immediately in the event that a person who has had access to your Security Code is no longer authorized by you to use the Internet Banking Services. We may require you to change your Security Code at any time. You also agree that, whenever anyone who is authorized by you to use the Internet Banking Services is no longer authorized by you to use the Internet Banking Services, you will take all necessary measures to block further access by such person to the Internet Banking Services. F. You agree to limit disclosures of Private Wealth ID, User ID, Security Code or Password to those Other Permitted Persons authorized to use the Internet Banking Services or who have a specific need to know them. You will establish procedures to protect the confidentiality of all information relating to the Internet Banking Services, including each Security Code and Passwords. G. If you are a business client, we may require you to designate one or more persons as an administrator (each, an "Administrator") for purposes of the Internet Banking Services. The Administrator may use the Internet Banking Services and may designate other persons (each, a "User" and collectively, the "Users") who may also use the Internet Banking Services. You acknowledge that we will not control (and may not even be aware of) changes in the Administrator or Users. The Administrator shall issue the passwords and/- or security codes that will allow Administrators and Users to access the Internet Banking Services; we do not control or oversee these Administrator functions. You, through your Administrator, will need to designate which Accounts may be utilized for which Internet Banking Services. The Administrators may determine User access levels by specifying which Internet Banking Services may be accessed using security codes issued by them to themselves or to other individual Users. You are encouraged to use this access restriction capability to help reduce losses or damages that may arise out of improper or unauthorized use of an Internet Banking EFTA01413076 Service by a User. You agree that each Administrator and each User are appointed as agents of yours, authorized to use the Internet Banking Services individually or together, including sending Payment Orders (as defined in Section 6.v.) to us in your name. You agree that you will be bound by any use of the Internet Banking Services or Payment Orders we receive in your name from any Administrator or User. 5 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413077 H. We may deny access to the Internet Banking Services without prior notice if we are unable to confirm any person's authority to access the Internet Banking Services or if we believe such action is necessary for security reasons. I. You acknowledge that accessing the Site and using Internet Banking Services from public networks and locations (for example, hotel business centers and internet cafes) and from locations outside the United States may pose increased risks of loss or theft of your Private Wealth ID, User ID, Password and unauthorized access to your Account(s). You agree that you accept such increased risks if you access the Site or use the Internet Banking Services from any such location. 3. By using the Internet Banking Services, you acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. Our security procedures are not designed for the detection of errors (e.g., duplicate payments or errors in your fund transfer instructions). We will not be obligated to detect errors by you or others, even if we take certain actions from time to time to do so. You agree to be bound by instructions, whether authorized or unauthorized, which we receive and implement in compliance with these procedures, unless you have given us prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to act on such notice). K. Based on your use of the Internet Banking Services, the Bank may, at our sole discretion, provide you with and require you to use a two-factor authentication method (an "RSA SecurlD") for Internet Banking Services and to sign an RSA addendum to this Agreement setting forth the terms and conditions of your use of such RSA SecurlD two-factor authentication. 4. Internet Banking Services Fees A. You agree to pay any and all fees associated with the Internet Banking Services, if any, and in the Account Agreement. Such amounts do not include, and you agree to be responsible for, any sales, excise, use, value added, utility or other similar taxes relating to such Internet Banking Services. We reserve the right to change or add fees for Internet Banking Services at any time. Advance notice of new fees or fees changes will be provided if required by law. B. You are solely responsible for any telecommunications charges and any other charges imposed by your telephone and/or Internet access provider that you incur in accessing the Site or Internet Banking Services and any charges that would, in the absence of this Agreement, apply to your Accounts or any other relationship with or services provided to you by the Bank or any other member of the Deutsche Bank Group. EFTA01413078 You are solely responsible for the costs associated with acquiring, maintaining and operating the computer equipment located at your premises and a connection to the Internet, and otherwise meeting the minimum systems requirements set forth in Section 2(G) of this Agreement. C. Any applicable fees will be charged regardless of whether the Internet Banking Services were used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize us to deduct the calculated amount from your designated billing Account (or any other account of yours at the Bank) for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your Accounts as set forth in the Account Agreement will continue to apply. 5. Business Days and Hours A. Business Days For purposes of this Agreement, our business days are Monday through Friday, Holidays and other days in which banks are authorized to be closed in New York City are not included. B. Business Hours For purposes of this Agreement, our business hours are 9:00 a.m. to 4:00 p.m. New York time Monday through Friday (not including federal and New York State bank holidays). For the avoidance of doubt, all times are local times of the Bank. C. Customer Support Hours of Operation An agent will be available to assist you twenty-four (24) hours a day, seven (7) days a week through a toll-free telephone line for contacting such service group (excluding Christmas Day, New Year's Day, Easter Sunday, Memorial Day, Independence Day, Labor Day and Thanksgiving Day, when the Call Center will close as of 11:00 p.m. New York time the day before the holiday and reopen on 11:00 p.m. New York time on the day of the holiday). Although bill payment transactions will only be processed on Business Days, you can access the Internet Banking Services 24 hours a day, seven days a week, except during any time where the Site is inaccessible. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 6 EFTA01413079 6. Liability A. Liability for Unauthorized Use. i. Call us AT ONCE at 1 866-362-4796 if you believe that someone has transferred or may transfer money from your Account without your permission or if you believe your Private Wealth ID, User ID or Password has been compromised. You can notify the Bank by telephone at the number above, or by calling your Private Banker or in writing at the following address: Deutsche Bank Trust Company of Americas, Branch Operations, 345 Park Avenue, MS NYC20-0102, New York, NY 10154. Telephoning immediately is the best way of keeping your possible losses down. You could lose all the money in your Account(s). ii. For consumers: If you notify us within two Business Days after you learn of the loss or theft of your Private Wealth ID, User ID or Password, you can lose no more than $50.00 if someone used your Private Wealth ID, User ID or Password without your permission or otherwise made an unauthorized electronic funds transfer from your Account. If you do not tell us within two Business Days after you learn of the loss or theft of your Private Wealth ID, User ID or Password and we can show that, had you told the Bank, it could have stopped someone from using the Private Wealth ID, User ID or Password without your permission or making other unauthorized electronic transfers from your Account, you could lose as much as $500.00. iii. For consumers: If your statement shows transfers that you did not make, tell us at once. You must notify the Bank within sixty (60) days after the statement was made available to you. You may not get back the money lost due to unauthorized transfers after those sixty (60) days if the Bank can show that your providing notice within those sixty (60) days could have prevented the loss. If a good reason (such as a long trip or hospital stay) kept you from telling the Bank, we will extend the time periods. iv. Except as otherwise set forth in this Agreement, we will not be liable or have any responsibility of any kind for any loss or damage incurred by you as a result, directly or indirectly, of any unauthorized person gaining access to, or otherwise making use of, the Internet Banking Services. v. With your agreement we may use a Security Code as a security procedure to prevent unauthorized funds transfers or other payments (requests for funds transfers, ACH entries, transfers between accounts, bill payment, other payment orders or other communications will be referred to as "Payment Orders" and each of which as a "Payment Order"). You acknowledge that you have been offered alternative security procedures EFTA01413080 and have chosen the Internet Banking Services and these procedures after consideration of the risks of loss faced by you due to the possibility of an unauthorized transaction occurring. We may process any Payment Order we receive in your name and you will be responsible for it if it was initiated using one of your Security Codes. If a Payment Order issued to us in your name as sender is verified as authentic using the security codes the Payment Order will be effective as your Payment Order whether or not authorized. This means that you will be deemed to have given the Payment Order, and you will be obligated on it (including to pay us the amount), even if it was not authorized by you. Each time you send a Payment Order through the Internet Banking Services, you warrant that the Security Code is a commercially reasonable method to detect an unauthorized transaction, based on the circumstances involved (e.g., the size, type, and frequency of your transfers, as well as your internal controls). If at any time the Security Code ceases to be a commercially reasonable method to detect unauthorized transactions (such as by a change in your usage patterns or other circumstances), you agree to inform us immediately. vi. Except as described and set forth in this Agreement, you agree that you are responsible for and bound by any Payment Order that is received by us in your name if it was authorized by you, whether or not we used the security procedures to verify authenticity or could have prevented a loss to you by using the security procedures to verify the authenticity of the Payment Order. You agree that we will not be responsible for verifying whether a Payment Order or other communication is originated by an authorized person other than through the verification process contained in these security procedures. Thus, when an employee is added or deleted as an authorized person on the system, the Bank will treat that person as "authorized" if the security procedures are followed, without verifying that employee with you or otherwise investigating whether the employee is exercising authority granted by you or consistent with any internal limitations on activity established by you for that employee. Among other things, this means that you will be solely liable for any losses or damages resulting from your breach of this Agreement or to which your negligence contributed, or which resulted from unauthorized, fraudulent or dishonest acts by your current and/or former authorized agents (including instances where an authorized agent acted to your detriment). vii. You are responsible for controlling access to the Internet Banking Services and for any limitations placed by EFTA01413081 you on the Internet Banking Services that an authorized person may utilize. The fact that we are, or may be aware of, or could have discovered, any limitation on access to an Internet Banking Service does not make us obligated to enforce or attempt to enforce any limitation. You understand that each authorized person may utilize the Internet Banking Services without regard to any restrictions otherwise applicable to an Account. B. Limitation on Liability i. For consumers: If we do not complete an electronic funds transfer (as defined in the Electronic Funds Transfer Act and Regulation E of the Consumer Financial Protection Bureau) to or from your Account on time or in the correct amount according to your instructions given in accordance with this Agreement, we will be liable for losses or damages proximately caused by us. Notwithstanding the foregoing, we will not be liable for losses or damages that are caused by an event described in Section 6(B)(ii). 7 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413082 ii. You agree that, except to the extent provided by applicable law and consistent with Section 6(6)(i), the Bank, other members of the Deutsche Bank Group, its and their Service Providers, and its and their respective officers, directors, employees, and agents, shall not be liable for any losses, damages, liabilities or costs suffered or incurred by you (whether you are a consumer or business client) if: a. through no fault of ours, you do not have sufficient funds in your Account to complete a atransaction or if your funds are subject to legal process or other legal encumbrance; b. the requested transaction would exceed the credit limit on your overdraft line, if any; c. you fail to maintain minimum system requirements; d. the Internet connectivity or the system was not working properly and you knew about the breakdown when you started the electronic funds transfer; e. circumstances beyond our control, including but not limited to acts of God, strikes, lockouts, riots, insurrections, civil disturbances, sabotage, embargoes, acts of war or terrorism, acts or failures to act of any government or regulatory body (whether civil or military, domestic or foreign), limitations of law, governmental regulations superimposed after the fact, computer or other electronic or mechanical equipment failure, communication line failures, power failures, fires, explosions, floods, accidents, epidemics, earthquakes or other natural or man-made disasters, and all occurrences similar to the foregoing prevented the proper execution of a transaction, despite reasonable precautions that we have taken; f. the Biller (defined below) misapplies, mishandles or delays a payment sent by the Bank; g. you have not provided us with the complete and correct Payment Account (as defined below) or Biller information, or the correct names or account information for those person or entities to whom you wish to direct a payment or electronic funds transfer; h. a court order or legal process prevents us from making an electronic funds transfer; i. your payment instructions are not given to us sufficiently in advance to allow for timely payment; j. we have reason to believe a transaction has not been properly authorized; k. the losses result from a computer virus or related problem; 1. you have attempted to transfer funds to a party outside of the United States; m. you have not properly followed Internet Banking Services instructions on how to make an electronic funds transfer; EFTA01413083 n. you have initiated a transaction in violation of the terms of this Agreement; o. the billing center option of the Internet Banking Services is not working properly and you know or have been advised by us about the malfunction before you execute the transaction; or p. you or we have terminated this Agreement. There may be other exceptions stated in this Agreement. C. ACH Instructions You agree that, except to the extent provided by applicable law and consistent with this Section 6, the Bank, other members of the Deutsche Bank Group, its and their Service Providers, its and their respective officers, directors, employees, and agents, shall not be liable for any losses, damages, liabilities or costs suffered or incurred by you or any third party as a result of: the Bank's executing ACH Instructions; ii. the improper execution, delayed execution or non-execution of any ACH Instruction because of unclear instructions, legal restrictions, governmental interference, failure of communications media, the insolvency of any ACH or other party to a transaction covered by Section 13; iii. your acts or omissions (including without limitation the amount, accuracy, timeliness of transmittal or authorization of any ACH Instruction received from you); iv. the acts or omissions of any other person, including without limitation any Federal Reserve Bank, Automated Clearing House or transmission or communications facility, any Receiver or RDFI (as defined below) (including without limitation the return of an Entry by such Receiver or RDFI); or v. any other acts or omissions of the Bank (or of any of its agents or correspondents) relating to Section 13 or the transactions or activities contemplated hereby except to the extent, if any, that such other acts or omissions constitute gross negligence or willful misconduct by the Bank. The Bank shall not be liable for the acts or omissions of any agents or correspondents selected by you. Consistent with this Section 6, in no event shall the Bank, other members of the Deutsche Bank Group, their Service Providers, and their respective officers, directors, employees, and agents, be liable for special, indirect, incidental, consequential or punitive damages, whether or not the likelihood of such damages was known or contemplated by such parties and regardless of the legal or equitable theory of liability which you may assert, including, without limitation, loss or damage from subsequent wrongful dishonor resulting from Bank's acts or omissions under Section 13. Subject to the foregoing limitations, the Bank's liability for EFTA01413084 loss of interest resulting from its error or delay shall be calculated by using a rate equal to the average Federal Funds rate at the Federal Reserve Bank of New York for the period involved. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 8 EFTA01413085 D. NOTWITHSTANDING THE FOREGOING, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE BANK AND OTHER MEMBERS OF THE DEUTSCHE BANK GROUP, ITS AND THEIR SERVICE PROVIDERS AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS SPECIFICALLY DISCLAIM, AND SHALL NOT UNDER ANY CIRCUMSTANCES INCUR ANY LIABILITY (WHETHER UNDER FEDERAL OR STATE LAW OR IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE AND WHETHER FORESEEABLE OR NOT) FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE ARISING OUT OF OR IN ANY WAY RELATED TO ACCESS TO OR USE OF THE SITE OR THE INTERNET BANKING SERVICES, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR DAMAGES RELATING TO LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, WORM, TROJAN HORSE PROGRAM OR DISABLING CODE (REGARDLESS OF THEIR SOURCE), LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. YOU ASSUME THE RISK IN USING THE SITE AND THE INTERNET BANKING SERVICES AS WELL AS TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY. E. Except to the extent provided by applicable law, as a condition precedent to any liability, you must notify us in writing of any alleged breach of this Agreement as promptly as reasonably possible, but in no event later than five (5) Business Days following the day on which such alleged breach was, or could reasonably have been, discovered by you. Our entire liability and your sole remedy under this Agreement, whether or not the claim is in contract or tort, shall not exceed an amount of the fees during the six (6) month period preceding the date of the alleged breach. 7. Errors or Questions A. In case of errors or questions about your electronic funds transfers, telephone us at 1-866-362-4796 or write to Deutsche Bank Trust Company Americas, 345 Park Avenue, Attn: Banking Department, MS NYC20-0108, New York, NY 10154 during regular business hours immediately, if you think your statement is wrong or if you need more information about an electronic funds transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem or error appeared. To report an error or get more information: provide your name and Account number; EFTA01413086 ii. describe the error or transfer in question, and explain as clearly as you can why you believe it is an error or why you need information; iii. provide the dollar amount of the suspected error; and iv. provide the name of the Biller or payee if the transaction in question is a payment. B. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. For consumers: For electronic fund transfers (as defined in the Electronic Funds Transfer Act and Regulation E of the Consumer Financial Protection Bureau), we will determine whether an error occurred within ten (10) Business Days after we hear from you, inform you whether an error occurred and will correct any error within one Business Day. If we need more time, however, we may take up to forty-five (45) days to investigate. If we decide to do this, we will provisionally credit your Account within ten (10) Business Days after receiving your notice for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. We will notify you of the amount and date of the provisional credit within two Business Days of providing the provisional credit to you. If we ask you to put your inquiry in writing and we do not receive it within ten (10) Business Days, we may not credit your Account. If the Bank has provided a provisional credit to your Account in the amount of the claimed error, and after investigation the Bank determines that no error was made, then the Bank will notify you within three (3) Business Days that the Bank will reverse the provisional credit. However, the Bank will continue to honor checks, drafts, similar items and preauthorized transfers for five (5) Business Days following the notice of its intention to reverse the provisional credit. The Bank will tell you the results within three (3) Business Days after completing our investigation. The Bank will correct the error within one Business Day after the Bank determines an error occurred. If the Bank decides that there was no error, the Bank will send you a written explanation of our findings within three (3) Business Days. You may ask for copies of the documents that the Bank used in making its determination. For alleged errors occurring within thirty (30) days of first deposit into new Accounts, point-of-sale or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For alleged errors occurring within thirty (30) days of first deposit into new Accounts, we may take up to twenty (20) Business Days to credit your Account for the amount you think is in error. 9 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth EFTA01413087 Online Plus EFTA01413088 8. Confidentiality and Data Protection A. It is our general policy to treat your Account information as confidential. The Bank will take reasonable measures to prevent the dissemination of information furnished to you through the Internet Banking Services concerning your Accounts, but has no means of controlling communication by means of the Internet or any other telecommunications service you may use to access the Services and cannot guarantee that such information will not be intercepted. The Bank and its Service Providers may collect, process, and transmit data obtained from and about you in the course of your accessing and using the Internet Banking Services. You agree that any information on the Bank's records may be disclosed to our Service Providers and to third parties as designated by you in compliance with our procedures, your Account Agreement, or as required or permitted by law or regulation, including without limitation: i. where it is necessary for completing transfers or other transactions or to send notice of dishonor or nonpayment; ii. where it is necessary for activating or providing additional services requested by you; iii. when it is necessary, in the normal course of business, to verify the existence and condition of your Account for a third party, such as a credit bureau, merchant or financial institution; iv. in order to comply with a governmental agency or court orders or to otherwise furnish information required by law; v. if you give use your permission; vi. to advise third parties of accounts closed for misuse; or vii. when necessary to furnish information to law enforcement agencies if we reasonably believe we have been the victim of a crime. B. The Bank and its Service Providers may collect aggregated data for statistical and quality assurance purposes and you hereby consent to the collection and use of such aggregate data. C. You acknowledge and agree that the operation of the Internet Banking Services may require the transfer of personal data concerning you to and between countries some of which may not have the same legal protections regarding bank customer information as the United States. It may be that, in various jurisdictions, including your home jurisdiction and the jurisdictions where Service Providers are located, the presence of account information on your PC or on "servers" located in such jurisdictions will give the governmental authorities and courts therein greater legal or practical ability to obtain such information. You agree EFTA01413089 that the Bank shall not be responsible for any consequences of the foregoing. D. For more information regarding our privacy policy and practices, you can review our Privacy Statement, which has been provided to you, or you can also view the Privacy Statement at our website, http://www.pwm.db.com/privacy-policy.html. If you are a consumer, you will also receive a copy of our annual Privacy Notice. 9. Payment and Transfer Limitations A. Transfers from Money Market and Savings Accounts Federal regulation limits the numbers of preauthorized electronic funds transfers and telephone transfers including Internet Banking transactions from money market deposits and savings accounts. Such limitations are further described in the Account Agreement. You are limited to six (6) preauthorized electronic fund transfers, telephone transfers, checks and point-of-sale transactions per statement cycle from such Accounts. Each transfer or payment from money market and savings Accounts will count toward the total of six (6) transfers or withdrawals permitted per month. B. We may accept deposits to your Account from any source and need not question the authority of the person to make the deposit. All deposits (including transfers) are subject to later verification, adjustment and collection by us. C. Payments will be directed to designated payees only to the extent that there are sufficient available funds (as more fully described in our Funds Availability Policy set forth in the Account Agreement) to cover the request and/or the payment when made. We are not obligated to allow you to overdraw your Account beyond the balance and overdraft line of credit available. If we do allow an overdraft, we are not obligated to continue to allow you to do so. D. We may place (and adjust) daily dollar limits on the amount that may be transferred at any time, and from time to time, for any reason or for no reason. We will inform you of such limits. Except as otherwise imposed by law, we will have no liability for refusal to process a payment or transfer that exceeds such daily dollar limits. E. We may reject a payment or transfer at any time and from time to time, for any reason or for no reason. Except as otherwise imposed by law, we will have no liability for refusal. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 10 EFTA01413090 F. If a payment describes the beneficiary or beneficiary's inconsistently by name and account or bank number, execution of the payment request will occur on the basis bank number, even if it identifies a person different from the named beneficiary or bank, and pay the amount of the payment request to us is not excused in such circumstances. G. The Internet Banking Services may not be used in violation of and must comply with the laws of, the United States, including economic sanctions laws administered by the Office of Foreign Asset Controls. H. You agree that we may seek to recover made by you in violation of any provision of this Agreement or otherwise assist us in loss mitigation efforts, including authorizing ACH debit or other in your name. I. A Payment Order or request for other by us only when actually received by us and in the form or context specified by us. You agree that we have a reasonable time to react to Payment Orders and other requests. We may acknowledge it by email or online by means of a summary message log, depending on the particular Internet Banking Service. Unless you promptly notify us of a problem with a Payment Order or any transaction confirmation, you will be deemed to have approved the accuracy and completeness of the information contained in the confirmation. 10. Payment Amendments and Cancellations You may not amend or cancel a payment order after it has been received and processed by us. 11. Preauthorized Payments (For Consumer Electronic Funds Transfers Only) A. Right to Stop Payment and Procedures for Doing So If you have directed us in advance to make regular payments out of your Account or if you have authorized someone to make preauthorized debits from your Account, you can stop any of these payments. Please call us at 1-866-362-4796 at least three (3) Business Days before the payment is scheduled to be made. You can also notify the Bank in writing at the following address in time for the Bank to receive your request at least three (3) Business Days before the payment is scheduled to be made: Deutsche Bank Trust Company Americas, Banking Services Team, 345 Park Avenue, MS NYC20-0108, New York, NY 10154. If you call, we will also require you to put your request in writing and get it to us within fourteen (14) days after you call. Your stop payment on a preauthorized debit will be effective solely for a single transaction unless you notify us that you have revoked your authorization to the originator. If you wish to stop all future preauthorized debits from that originator, you must give bank of the account and your obligation to any payment originated in error or to prevent loss to us. You agree to reversing entries or instructions transaction is deemed to be received EFTA01413091 the originator a written notice revoking your authorization. B. Notice of Varying Amounts If preauthorized payments out of your Account vary in amount, the person being paid should tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead (by agreement with payee) to get that notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. C. Liability for Failure to Stop Payment of Preauthorized Transfer If you order us to stop one of these payments three (3) Business Days or more before the date the payment is scheduled and we do not do so, we will be liable for your losses or damages, subject to Section 6(B)(ii) above. In no event will the Bank be liable for special, punitive or consequential damages. 12. Bill Payment Services A. Definitions i. ii. iii. "Biller" is the person or business entity in the United States to which you wish a Bill Payment to be directed or is the person or entity from which you receive electronic bills. "Billing Account" is the checking account from which all Bill Payment Service fees will be automatically debited. "Due Date" is the date reflected on your Biller statement for which the payment is due. It is not and does not include any late date or grace period iv. "Payment Account" is the checking account from which Bill Payments will be debited. v. vi. "Payment Instruction" is the information provided by you to the Bill Payment Service for a Bill Payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number and Scheduled Payment Date). "Scheduled Payment" is a payment that has been scheduled through the Bill Payment Service but has not begun processing. vii. "Scheduled Payment Date" is the day you want your Biller to receive your Bill Payment and is also the day your Payment Account will be debited (unless the Scheduled Payment Date falls on a non-business day in which case it will be considered to be the previous business day). 11 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413092 B. Bill Payment Scheduling i. For payments made by electronic transmission or corporate check, the payment amount will be debited from, or charged to the account that you designate on the scheduled delivery date. If the scheduled delivery date is a weekend or non-bank business day, then the delivery date will be the prior bank business day. ii. When you attempt to schedule a payment, we will inform you of the earliest available delivery date. To assure timely payment and obtain the full benefit of the Service Guarantee, you must schedule payments and your Account must be in good standing at least four (4) bank Business Days before the payment due date. If you do not, or if for any reason your Account is not in good standing, you will be fully responsible for all late fees, finance charges or other action taken by the Biller. iii. You may schedule payments up to 364 days in the future. iv. You may schedule payments to occur on a regular basis: weekly, bi- weekly, monthly, bi-monthly, semi-monthly, quarterly, semi-annually or annually. C. The Service Guarantee Due to circumstances beyond our control, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your Account. We will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines above under "Bill Payment Scheduling." D. Payment Authorization and Payment Remittance i. By providing us with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the payment system. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Biller directives. When we receive a Payment Instruction, you authorize us to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us to credit your Payment Account for payments returned to us by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Bill Payment Service. We will use our best efforts to make all your payments properly. However, we shall incur no liability and any Service Guarantee shall be void if we are unable to complete any payments initiated by you because of the existence of any one or more of the circumstances described in Section 6 above. EFTA01413093 ii. Provided none of the exceptions identified in Section 6 above are applicable, if we cause an incorrect amount of funds to be removed from your Payment Account or cause funds from your Payment Account to be directed to a Biller who does not comply with your Payment Instructions, we shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges. E. Payment Methods We reserve the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, electronic payment via ACH or check payment. F. Payment Inquiries The current status of all Bill Payments may be viewed using the Bill Payment Service. This includes scheduled payments, in-process and processed payments Processed payment inquiries may also be sent via the Bill Payment Service to the Banking Service Team using the "Contact Us" link on the Customer Support page or by phone at 1-866-362-4796. G. Payment Cancellation Requests You may cancel or edit any Scheduled Payment (including recurring payments) by following the online directions within the Bill Payment Service application There is no charge for canceling or editing a Scheduled Payment. Once we have begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted if applicable or allowed by contacting the Banking Service Team at 1-866-362-4796. H. Stop Payment Requests Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. Also, we may not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact the Banking Service Team at 1-866-362-4796. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within ten (10) days. The charge for each stop payment request is $10.00. The charge for stop payment requests will be applied whenever any Bill Payment is stopped at your request, because you submitted an incorrect Biller address or because you request a refund on a check that has not yet cleared. The charge will not be assessed if the payment is stopped due to an error by the Bank or its Service Provider, the payment was not posted by the Biller even EFTA01413094 though you correctly submitted the Biller address or if the check was lost in the mail. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 12 EFTA01413095 From time to time, the Internet Banking Service may be inoperable. If that occurs, your request can be communicated to the Bank by telephone instructions. The Cutoff time for us to receive a stop-payment request is 4:00 p.m. New York time on a Business Day and a stop payment request received after that time will be processed on the next Business Day. You agree that we will have a reasonable period of time following receipt of a stop payment request to act on it. I. Prohibited Payments Payments to Billers outside of the United States or its territories are prohibited through the Bill Payment Service J. Consumer Client Government Payments For consumers: You agree not to use the Bill Payment Service to make state or federal tax payments and court ordered payments (Government Payments). In no event shall we be liable for any claims or damages resulting from your scheduling of Government Payments The Service Guarantee as it applies to any late payment related changes is void when Government Payments are scheduled and/or processed by the Bill Payment Service. We shall have no obligation to research or resolve any claim resulting from a Government Payment. All research and resolution for any misapplied, misposted or misdirected Government Payments will be the sole responsibility of you and not of us. K. Biller Limitation We reserve the right to refuse to pay any Biller to whom you may direct a payment. The Bank will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or a Government Payment under this Agreement. L. Returned Payments You understand that Billers, the United States Postal Service, or others involved in the handling of payments may return payments to the Bill Payment Service for various reasons such as, but not limited to: i. Biller's forwarding address expired; ii. Biller account number is not valid; iii. Biller is unable to locate account; or iv. Biller account is paid in full. The Bank will use reasonable efforts to research and correct the returned payment and return it to your Biller, but may not be able to do so or may be able to do so only after delay. You agree that we are not responsible for losses or damages you may suffer as a result. We may at our option at any time simply void the payment and credit your Payment Account, either with or without efforts to correct payment information. We may, but are not required to, notify you in the event a payment has been voided. M. Information Authorization EFTA01413096 Your enrollment in Bill Payment Services may not be accomplished or may be rejected for any reason, including if we cannot verify your identity or other necessary information. Through your enrollment in Bill Payment Services, you agree that the Bank reserves the right to request a review of your credit rating through an authorized bureau. In addition, you agree that the Bank reserves the right to obtain financial information regarding your Account from a Biller or another financial institution (for example, to resolve payment posting problems or for verification). You agree to assist us as we may request in these matters. 13. ACH Services To enable you to provide instructions to the Bank, so that the Bank may utilize the ACH network to originate entries charged and/or credited to the Account(s), you and the Bank hereby agree as follows: A. Preparation of ACH Instructions In accordance with the provisions of Section 3 above, you, or a third party authorized by you in writing to act on your behalf, will prepare and send the Bank debit, credit, prenotification and other ACH-related instructions pertaining to the Account(s) ("ACH Instructions"), all of which shall conform to the then current ACH operating regulations and processing formats of the Bank. The Bank will perform its standard validation tests upon such ACH Instructions, and submit those ACH Instructions that pass such validation tests to the ACH for execution. ii. The Bank's deadline for receipt of ACH Instructions each business day, which is necessary to conform with the deadlines for processing ACH Instructions on the date of receipt as prescribed by such operating regulations, is set forth in Section 24 below. 13 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413097 B. Processing ACH Instructions; Security Procedure i. The authenticity of all ACH Instructions is subject to verification by the Bank pursuant to the security procedure set forth in Section 3 above. You represent that ACH Instructions have been duly authorized by you, and that all information contained in the ACH Instructions is correct and complete. You shall comply with the requirements of the security procedure set forth in Section 3 above with respect to ACH Instructions transmitted by you to the Bank. You understand and agree that the purpose of such security procedure is intended to determine whether the communications purportedly issued by you and received by the Bank are authorized, but is not intended to detect any errors contained in such communications. No security procedure for the detection of any such error has been agreed upon between you and the Bank. When the Bank acts in accordance with the security procedure in processing an ACH Instruction, such ACH Instruction will be effective as if authorized by you, even though such ACH Instruction has not been authorized by you and you agree to pay the amount of such ACH Instruction, and to hold the Bank harmless and otherwise waive any and all claims against the Bank with respect to any such ACH Instruction. ii. Requests for cancellation, reversal or return of ACH Instructions shall be made by fax or email, and shall be subject to the time limits set forth in Section 24 below. iii. You acknowledge that the Bank has made available information with respect to the operation and risks associated with the security procedure set forth in Section 3 above. You hereby represent and warrant to the Bank that after careful review of the history of your transactions and your anticipated transactions, you are satisfied that the security procedure is appropriate for your needs and that such security procedure is reasonable under your circumstances. C. Payment and Credit With Respect to ACH Instructions The Bank will: i. credit the Account(s) with the total amount of each batch of debit Entries (as defined below) resulting from ACH Instructions and ii. debit the Account(s) with the total amount of each batch of credit Entries resulting from ACH Instructions. The Bank reserves the right to charge all such credits and debits to the Account(s) either a. as of the date the Bank's Federal Reserve account is credited and/or debited under the ACH operating regulations (the "Settlement Date") or b. with respect to credit Entries resulting from ACH Instructions, up to two Business Days before the Settlement Date. You agree that the Account(s) will be fully funded in EFTA01413098 available funds to cover all charges made to the Account(s) at such time as the Bank charges the Account(s) in accordance with the previous sentence. As used herein, "Entry" or "Entries" means an electronic item(s) representing the transfer of funds in the ACH that originates from one or more ACH Instructions. D. Execution of ACH Instructions; Limitation of Liability A Receiving Depository Financial Institution (RDFI) is the institution that receives Entries from the ACH operator and posts them to the accounts of its depositors (Receivers). Subject to: applicable U.S. laws and regulations; ii. iii. the terms of this Agreement, including this Section 13; the terms and conditions of the Account Agreement; and iv. availability of funds in the Account(s); the Bank agrees to execute all ACH Instructions; provided, however that the Bank may refrain from executing any ACH Instruction if the Bank believes that such ACH Instruction may not have been authorized by you. Acceptance of an ACH Instruction shall not be deemed to be a waiver by the Bank of any of the conditions or reservations referred to in the preceding sentence. You agree that, except to the extent provided by applicable law and consistent with Section 6(6)(i) above, the Bank, other members of the Deutsche Bank Group, their Service Providers and their respective officers, directors, employees and agents, shall not be liable for any losses, damages, liabilities or costs suffered or incurred by you or any third party as a result of: a. the Bank's executing ACH Instructions; b. the improper execution, delayed execution or non-execution of any ACH Instruction because of unclear instructions, legal restrictions, governmental interference, failure of communications media, the insolvency of any ACH or other party to a transaction covered by this Section 13; c. your acts or omissions (including without limitation the amount, accuracy, timeliness of transmittal or authorization of any ACH Instruction received from you); d. the acts or omissions of any other person, including without limitation any Federal Reserve Bank, Automated Clearing House or transmission or communications facility, any Receiver or RDFI (including without limitation the return of an Entry by such Receiver or RDFI); e. any other events or circumstances beyond the Bank's control, including but not limited to acts of God, acts of war, acts of terrorism, natural or man-made disaster, machine or computer breakdown; or Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 14 EFTA01413099 EFTA01413100 f. any other acts or omissions of the Bank (or of any of its agents or correspondents) relating to this Section 13 or the transactions or activities contemplated hereby except to the extent, if any, that such other acts or omissions constitute gross negligence or willful misconduct by the Bank. The Bank shall not be liable for the acts or omissions of any agents or correspondents selected by you. Consistent with Section 6(6)(i) above, in no event shall the Bank, other members of the Deutsche Bank Group, their Service Providers and their respective officers, directors, employees and agents, be liable for special, indirect, incidental, consequential or punitive damages, whether or not the likelihood of such damages was known or contemplated by such parties and regardless of the legal or equitable theory of liability which you may assert, including, without limitation, loss or damage from subsequent wrongful dishonor resulting from the Bank's acts or omissions under this Section 13. Subject to the foregoing limitations, the Bank's liability for loss of interest resulting from its error or delay shall be calculated by using a rate equal to the average Federal Funds rate at the Federal Reserve Bank of New York for the period involved. E. Reliance on Account Number You acknowledge and agree that, if an ACH Instruction describes the Receiver inconsistently by name and account number, payment of the Entry transmitted by the Bank to the RDFI may be made by the RDFI (or by the Bank in the case of an on-us ACH Instruction) on the basis of the account number supplied by you, even if the ACH Instruction identifies a person different from the named Receiver, and that your obligation to pay the amount of the ACH Instruction to the Bank is not excused in such circumstances. F. Examination of Advices and Statements The Bank will send you a periodic statement or advice showing ACH-related debits and credits to your Account(s). If you have enrolled in the eStatement Service, you will receive such statements electronically in accordance with the terms and conditions set forth in Section 19 below unless subject to Regulation E. You agree to exercise ordinary care to determine whether you believe that a statement contains an ACH-related error, and you agree to notify the Bank of such error within 30 days after the Bank provides you with or otherwise makes available to you information sufficient to identify the transaction relating to the deemed error. Unless subject to Regulation E, you agree that: if you fail to make such notification within such thirty (30) day period, the Bank will not be liable for any other losses resulting from your failure to give such notice or any loss of interest or any interest equivalent with EFTA01413101 respect to an ACH Instruction reflected on such periodic statement; and ii. your right to assert a claim against the Bank with respect to any transaction reasonably identified in a statement, advice or other information provided or made available to you by the Bank shall expire within thirty (30) days of the date that such statement, advice or other information was first provided or otherwise made available to you. G. Certain Representations and Warranties; Indemnity With respect to each and every ACH Instruction, you represent and warrant to the Bank and agree that: i. each person shown as the Receiver on an ACH Instruction received by Bank from you has authorized the initiation of such ACH Instruction and the crediting or debiting of its account in the amount and on the effective entry date shown on such ACH Instruction; ii. such authorization is operative at the time of transmittal, crediting and/or debiting by the Bank as provided herein; iii. you shall perform your obligations under this Agreement, including this Section 13 in accordance with all applicable laws and regulations, including, without limitation, the sanctions laws administered by the Office of Foreign Assets Control; and iv. you shall be bound by and comply with all rules of the applicable clearinghouse, as in effect from time to time, including but not limited to the provision making payment of an Entry by the RDFI to the Receiver provisional until receipt by the RDFI of final settlement for such Entry. You specifically acknowledge that you have received notice of the rule regarding provisional payment and of the fact that, if such settlement is not received, the RDFI shall be entitled to a refund from the Receiver of the amount credited and that you shall not be deemed to have paid the Receiver the amount of the corresponding Entry. Consistent with Section 22 below, you agree to indemnify, defend and hold the Bank, other members of the Deutsche Bank Group, their Service Providers and their respective officers, directors, employees and agents, harmless from and against any loss, liability, damage, cost or expense (including attorneys' fees and expenses), suit or other action or proceeding, or claim resulting from or arising out of any breach by you of this Section 13, or the Bank's having executed any ACH Instructions or otherwise having performed any of its obligations hereunder, except to the extent of the Bank's gross negligence or willful misconduct. Any overdraft arising in the Account(s) shall become subject, at the Bank's sole option, to a lien and subject to be set off against the balance of any of your other accounts with the Bank. 15 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth EFTA01413102 Online Plus EFTA01413103 H. Use of Third Parties. If you use a third party to send ACH Instructions on your behalf: i. ii. at the Bank's request, you will cause such third party to test communications with the Bank; the third party will be required to use the security procedure set forth in Section 3 above; and iii. you shall be bound by and responsible for the actions (including but not limited to the sending of ACH Instructions), errors and omissions of such third party to the same extent as if such actions, errors or omissions had been committed or omitted by you. I. Additional Provision Governing ACH Transactions You agree that: i. you shall be bound by the NACHA Rules and shall comply with all provisions of the NACHA Rules applicable to you as the Originator (as that term is defined under the NACHA Rules) of the ACH transactions; ii. Bank shall have the right to audit your facilities and books and records in order to validate your compliance with this Agreement and the NACHA Rules; and iii. Bank may terminate, or suspend its performance under, this Agreement immediately upon written notice to you, if Bank determines that you have violated or are in violation of the NACHA Rules. 14. Positive Pay Services (For Business Clients Only) A. The Positive Pay Service is an elective feature of the Internet Banking Services, available to business clients, which enables you to notify the Bank of all checks you have issued, so that the Bank can, in turn, notify you in the event the Bank receives a request to process a check that was not identified to us via the Positive Pay Service. B. If the Bank receives a request to process a check that you have not informed us about and has not been identified to us via the Positive Pay Service, we will notify you through the Internet Banking Services of such pending request. C. You may enter the details for checks issued by manually entering the information when you connect to the Internet Banking Services or by importing a check issue file. The information you enter for each check you issue must accurately state the check number, date, and the exact dollar amount of each check drawn on an Account. You understand and acknowledge that if, as a result of a system failure or outage, the check file is not accepted via the Internet Banking Services and/or the Bank cannot process the file, the file shall be considered as not received and the Bank shall have no liability therefor. D. Payment of Presented Items and Reporting of Exception Items The Bank will compare each presented check by check number and payment EFTA01413104 amount against the information you provide via the Positive Pay Service. On each Business Day, the Bank: i. may pay and charge to the designated Account each presented check that matches by check number and payment amount a check that you have entered via the Positive Pay Service; ii. shall provide you with an electronic notification of any checks presented for payment that do not match the information you have provided (an "exception check"). The Bank will notify you of any exception checks identified each Business Day by 9:00 a.m. on the following Business Day (the "Notification Date"). E. Pay Request/Return Request You shall review any exception check(s) on the Notification Date, and notify the Bank via the Internet Banking Services whether to pay or return each check identified in the notification by 1:00 p.m. on the same day. If you do not notify the Bank otherwise prior to such deadline, the Bank will make final payment of the exception check(s) and charge the designated Account(s) for the checks that are drawn against it. F. The Positive Pay Service may not be used for any check that the Bank has already cashed, negotiated or paid or for which the Bank is already committed to honor or pay under applicable laws, regulations or rules governing such items. G. You agree to pay any and all fees related to the Positive Pay Services. Please refer to the Bank's schedule of charges for Positive Pay Services, as set forth on the Fee Schedule to the Account Agreement. H. The Bank is entitled to rely on any information you provide in connection with the Positive Pay Service and shall not be responsible for detecting or remediating any errors contained in any check file, pay request or return request. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 16 EFTA01413105 15. Account Reconciliation Services (For Business Clients Only) A. The Account Reconciliation Service is an elective feature of the Internet Banking Services which enables you to provide the Bank with your deposit records for comparison against the Bank's records. i. Full Account Reconciliation Full Account Reconciliation allows you to upload an issue file via the Internet Banking Services or manually enter check issues that will be compared to the items the Bank has posted your Account. An exception report will be provided for any mismatched items. ii. Partial Account Reconciliation Partial Account Reconciliation allows you to use the Account Reconciliation Service to obtain a listing of all checks presented for payment against your Account(s). iii. Deposit Account Reconciliation You will receive a listing of all deposits posted against your account. B. You agree to pay any and all fees related to the Account Reconciliation Service. Please refer to the Bank's Schedule of Charges for Account Reconciliation. 16. Stop Payment on a Check You may use the Internet Banking Service to submit a stop payment request on a check in accordance with the conditions contained in the Account Agreement. You may use the Internet Banking Service to submit a stop payment request on a check issued through the Bill Payment Service in accordance with the provisions of Section 12(H) above. 17. Failed or Returned Transactions In using some of the Internet Banking Services, you are requesting the Bank to make payments for you from your Account(s). If we are unable to complete the transaction for any reason associated with your Account(s) (for example, there are insufficient funds in your Account(s) to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from us. In the case of a failed or returned transaction, you agree that: A. you will reimburse us immediately upon demand the transaction amount that has been returned to the Bank; B. for any amount not reimbursed to the Bank within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed; C. you will reimburse the Bank for any fees imposed by a financial institution as a result of the return; D. you will assist the Bank in connection with any efforts by the Bank to recover any funds that have been sent; E. you will reimburse the Bank for any fees it incurs in attempting to collect the amount of the return from you; F. the Bank is authorized to report the facts concerning the return to any credit reporting agency; and EFTA01413106 G. A block will automatically be placed on all Accounts that have an ACH debit transaction returned to us. No additional payments, including Bill Payments, will be processed until the Account is properly funded and the return(s) cleared. If a payment request is received while the Account is blocked, we may notify you that the payment will not be processed. 18. eStatement Service A. The eStatement Service permits you and Other Permitted Persons to access monthly Account statements for eligible Accounts designated by you. If you have enrolled in the eStatement Service, you have requested the Bank to provide monthly Account statements for eligible deposit Accounts that you have specified through the eStatement Service. BY ELECTING THE eSTATEMENT SERVICE AND SO INSTRUCTING THE BANK, YOU HAVE SPECIFICALLY REQUESTED THAT THE BANK MAY, AT ITS DISCRETION, DISCONTINUE SENDING PAPER ACCOUNT STATEMENTS TO YOU WITH RESPECT TO THE DESIGNATED ACCOUNTS. Accordingly, within thirty (30) days after the end of each calendar month the statements for your designated Accounts will be posted to and should be accessed through, the eStatement Service. Each statement will be available through the eStatement Service for a period of thirteen (13) months following its posting. If you wish to discontinue receiving your Account statements through the eStatement Service, you must give us written notice to such effect, and within thirty (30) days after receiving such notice we will send you paper Account statements only rather than making your Account statements available through the eStatement Service. Statements made available to any one owner of an Account are considered to have been made available to all owners of the Account. 17 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413107 B. YOU AGREE THAT IT IS YOUR RESPONSIBILITY TO REVIEW YOUR ACCOUNT STATEMENTS IN A TIMELY WAY REGARDLESS OF WHETHER YOU RECEIVE PAPER ACCOUNT STATEMENTS OR ELECTRONIC ACCOUNT STATEMENTS THROUGH THE eSTATEMENT SERVICE. YOU MUST NOTIFY US OF ANY MISTAKES, ERRORS OR OMISSIONS IN ANY ACCOUNT STATEMENTS WITHIN THE TIME FRAMES SET FORTH BELOW, OR SUCH ACCOUNT STATEMENT SHALL BE DEEMED TO BE COMPLETE AND A CCURATE, AND WE SHALL NOT BE LIABLE FOR ANY SUCH MISTAKE, ERROR OR OMISSION: i. FOR IRREGULARITIES RELATING TO AN UNAUTHORIZED SIGNATURE ON, OR ALTERATION OF, A CHECK OR OTHER ITEM, WITHIN 14 DAYS OF THE TIME SUCH ACCOUNT STATEMEN T IS MADE AVAILABLE THROUGH THE SERVICE; OR ii. FOR ALL OTHER MISTAKES, ERRORS OR OMISSIONS, WITHIN 30 DAYS OF THE TIME SUCH ACCOUNT STATEMENT IS MADE AVAILABLE THROUGH THE SERVICE OR A LONGER PERIOD IF REQUIRED BY APPLICABLE LAW. C. By using the eStatement Service or otherwise consenting to be bound by the terms of this Agreement, you hereby authorize the Bank to transmit Account statements via the eStatement Service. You further hereby authorize each member of the Deutsche Bank Group to disclose details of all Accounts to the Bank and other members of the Deutsche Bank Group for the purpose of supplying the eStatement Service to you and Other Permitted Persons. D. You acknowledge that without incurring liability to you, we can refuse to supply any information relating to the Accounts through the eStatement Service for any reason at any time. Notwithstanding Clause 18(C) above, the Bank may, in its sole discretion, decline to permit certain Accounts to be viewed or otherwise accessed through the Service, temporarily or permanently. If, pursuant to this Clause 18(D), Account statements are not made available through the eStatement Service for any Account, Account statements in paper form only shall instead be provided to you. E. You can make a written request, at any time, to receive a hard copy paper statement for a specific month. F. By completing the eStatement Service enrollment process and signing below, you represent to the Bank that: i. you are authorized as owner or behalf of the owner of the designated Account(s) to consent to electronic delivery of Account statements and accept the terms of this Agreement; ii. you have software and equipment required to access, view and print your statements; and iii. you agree to receive the statements for designated Accounts electronically. 19. Disclaimer of Warranties; Limitation of Liability A. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SITE AND THE INTERNET BANKING SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING EFTA01413108 THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SITE AND THE INTERNET BANKING SERVICES IS AT YOUR SOLE RISK. THE SITE AND THE INTERNET BANKING SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE AND OUR SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SITE AND THE INTERNET BANKING SERVICES AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SITE AND THE INTERNET BANKING SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS F OR A PARTICULAR PURPOSE, WARRANTIES ARISING FROM USAGE IN TRADE AND NONINFRINGEMENT. B. WE AND OUR SERVICE PROVIDERS MAKE NO WARRANTY THAT: i. THE SITE OR THE INTERNET BANKING SERVICES WILL MEET YOUR REQUIREMENTS; ii. THE INTERNET BANKING SERVICES WILL BE UNINTERRUPTED, AVAILABLE 24 HOURS A DAY, SEVEN DAYS A WEEK, TIMELY, SECURE OR ERROR-FREE; iii. THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF TH E INTERNET BANKING SERVICES WILL BE ACCURATE OR RELIABLE iv. THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE INTERNET BANKING SERVICES WILL MEET YOUR EXPECTATIONS; OR v. ANY ERRORS, OMISSIONS OR DEFECTS IN THE TECHNOLOGY WILL BE CORRECTED. C. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE OR THE INTERNET BANKING SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE BANK OR OUR SERVICE PROVIDERS THROUGH OR FROM THE SITE OR THE INTERNET BANKING SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 18 EFTA01413109 D. The foregoing does not limit rights that may not be waived or modified under laws applicable to you or your transactions, and some jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above limitations may not apply to you. 20. Intellectual Property and Other Proprietary Rights A. The Bank hereby grants to you the limited, non-exclusive, non- transferable right and license to use the Site and the Internet Banking Services, in object code format only and excluding source code, on a single computer solely during the term of this Agreement and for the purposes of using the conducting your consumer or business transaction, as applicable, pursuant to this Agreement. You may not under any circumstances modify, copy, distribute, republish or download the Internet Banking Services or the Site without the Bank's prior consent in writing, except for content that you have previously uploaded to the Site using the Internet Banking Services or which relates specifically to your Account(s). This license will cease on termination of this Agreement for any reason. You undertake to obtain and comply with all appropriate licenses in respect of third party software, including but not limited to Internet access software. B. You acknowledge that the Site, the Internet Banking Services, and its accompanying documentation, if any, constitute valuable property, proprietary property and confidential trade secrets of the Bank. You agree not to copy or duplicate the Site and the Internet Banking Services save to the extent permitted by applicable law without the written consent of the Bank, and you understand and agree that: the Bank will suffer irreparable harm in the event of any unauthorized disclosure of any portion of the Site or the Internet Banking Services, or its accompanying documentation to any third party without the prior written consent of the Bank; and that ii. you are not authorized to make any change or modification to such software without the prior written consent of the Bank. You may not copy, reproduce, distribute or create derivative works from the Site or the Internet Banking Services. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Site, and the Internet Banking Services. C. The Bank reserve and retain all copyrights and other proprietary rights in and to the Site, and the Internet Banking Services. Unauthorized use of the Site or the Internet Banking Services is strictly prohibited. Linking to and/or framing the Site is strictly prohibited unless the Bank expressly consents in writing to such a link or frame. EFTA01413110 All other uses of the Site and/or the Internet Banking Services not expressly allowed in this Agreement are strictly prohibited. 21. Regulation and Export of Software You undertake to be responsible for obtaining and complying with all legal, governmental and regulatory licenses and requirements applicable to use of the Site and the Internet Banking Services in any country from which you access the Site and the Internet Banking Services. In particular and not by way of limitation, you agree not to export, re-export or import the any software provided as part of the Site or the Internet Banking Services (or copy thereof) to or from any country (or to or from any national thereof) for which the United States (or any other) government or any agency thereof requires an export or import license or other governmental approval without first obtaining such license or approval. 22. Indemnification You agree to indemnify, defend and hold the Bank, other members of the Deutsche Bank Group, their Service Providers and their respective officers, directors, employees and agents, harmless to the fullest extent permitted by law from and against any and all actions, proceedings at law or in equity, claims (groundless or otherwise), liabilities, suits, losses, damages, payments, deficiencies, settlements, penalties, fines costs and legal and other expenses (collectively, the "Liabilities") arising out of: A. the Bank's performance of its obligations to you hereunder; B. the use by you or Other Permitted Persons of the Site; and C. the use by you or Other Permitted Persons of the Internet Banking Services, except to the extent such Liabilities arise out of the Bank's gross negligence or willful misconduct. 19 Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus EFTA01413111 23. Third Party Links The Internet Banking Services may permit you to access third party Internet sites via "hyperlinks." The locator contained in the hyperlink is for your information only and does not constitute an endorsement of the site; the Bank has no control over the material appearing on sites owned or sponsored by third parties that may be accessed by such hyperlinks. Neither the Bank nor any member of the Deutsche Bank Group warrants or assumes any responsibility for the accuracy, completeness, quality or legality anywhere of any information which is proprietary to, or prepared or derived from, any third party source or information contained in any third party Internet or other site which is available via a "hyperlink." Neither the Bank nor any member of the Deutsche Bank Group can give any assurance or guarantee as to the security or confidentiality of any connection made by use of any such hyperlink. The Bank's privacy policies do not apply to any such linked Internet sites. You should consult the privacy disclosures on any such linked Internet sites for further information. 24. Cutoff Times The following cutoff times pertain to specific Internet Banking Services transactions. All times in this Agreement refer to local time of the Bank. Transactions received after the cutoff time or on a day that is not a business day (a day in which the Bank is open in New York for the conduct of its general business) will be processed the following business day. Funds Transfers Bill Payments date ACH Files Real Time Processing. Transfers effected after 10:00 p.m. (New York time) will be posted on the following Business Day. To ensure that payment is properly credited to your Account prior to the payment due date, please allow at least five (5) Business Days from the payment is submitted for your payment to reach your merchant or vendor. The Bank deadline for receipt of ACH Instructions (defined below) and file transmission is 6:00 p.m. New York time on a Business Day in order for the Bank to process ACH Instructions on the same Bank Business Day. The Bank deadline for receipt of client requests for cancellation, reversal or return of an ACH Instruction on a Bank Business Day in order for the Bank to act upon it on the same Bank Business Day is 5:00 p.m. New York time. Fedwire Transfers (DB Private Wealth Online Plus customers only) Stop Payments Real Time Processing, but may be delays in acting on information (see Sections 13 and 14 above). 25. Offer of Online Banking Services through Affiliates or Third Parties The Bank has the right to offer all or part of the Internet Banking Services EFTA01413112 through an affiliate or unrelated third party. 26. Miscellaneous A. Other Agreements In addition to this Agreement, you agree to be bound by and will comply with the requirements of the terms and conditions governing your deposit Accounts (as set forth in the Account Agreement), the rules and regulations of any funds transfer system to which we belong and applicable state and federal laws and regulations. B. Changes to Agreement We may change this Agreement at any time. For example, we may add, delete or amend terms or services from time to time. In such event, the Bank shall provide notice to you. Any use of the Internet Banking Services after the Bank provides you a notice of change will constitute your agreement to such change(s). Further, the Bank may, from time to time, revise or update the applications, services and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the applications, services and/or related material and limit access to only the Bank's more recent revisions and updates. In the event performance of the service provided herein in accordance with the terms of this Agreement would result in a violation of any present or future statute, regulation or government policy to which the Bank is subject, and which governs or affects the transactions contemplated by this Agreement, then this Agreement shall be deemed amended to the extent necessary to comply with such statute, regulation or policy, and the Bank shall incur no liability as a result of such violation or amendment. 4:00 p.m. (New York time) Deutsche Bank Internet Banking Services Agreement for DB Private Wealth Online Plus 20 EFTA01413113