United Bank of Iowa

United Bank of Iowa

Online Banking Agreement

Effective May 2021

Online Banking Department:

United Bank of Iowa – Ida Grove

501 Second Street

Ida Grove, IA 51445

712-364-3393

info@unitedbk.com

PLEASE READ THE ENTIRE AGREEMENT CAREFULLY BEFORE ENROLLING IN THE SERVICE OR INITIALING ANY TRANSACTIONS.

Scope of this Agreement

This Agreement between you and United Bank of Iowa, 501 Second Street, Ida Grove, IA 51445, govern your use of our Online Banking and Bill Payment services (the “Service”). The Service permits our customers to perform a number of banking functions on account linked to the Service through the use of a personal computer and the Internet.

Accepting the Agreement

After you have carefully read this Agreement in its entirety and the linked Privacy Notice, you will be asked to accept the terms and conditions of this Agreement. When you accept these terms and conditions, you represent and warrant that you are an Authorized User acting with full authority, and that you are duly authorized to execute this Agreement.

You should print and/or save a copy of this Agreement for your records. To print, select the print button below or select the print function on your browser. To save a copy of this Agreement on your computer, select “File” and then “Save As” on your browser.

If you need help printing or saving this document, or if you have any questions about this Agreement, please contact our Online Banking Customer Service Department. Our contact information is listed at the top of the Agreement. You can obtain a paper copy of this Agreement at any time. Updates to this Agreement will be sent electronically as further described within this Agreement.

WHEN YOU CLICK THE “ACCEPT” BUTTON BELOW, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT. BY ACCEPTING, YOU ALSO CERTIFY THAT YOU ARE ABLE AND WILLING TO ACCEPT THE ELECTRONIC VERSION OF THIS DOCUMENT.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT AND/OR DO NOT ACCEPT THE ELECTRONIC VERSION OF THIS DOCUMENT, SELECT THE CANCEL BUTTON.

Definitions

Agreement – means these terms and condition of the Online Banking and Bill Payment Services

Authorized User – is any individual or agent whom you allow to use the Service of your password or other means to access your Eligible Account(s).

Bill Payment Service Provider – refers to the contractor, sub-contractor, or provider of our Bill Payment and Delivery services, Jack Henry & Associates, Incorporated

Biller – is the person or entity to which you wish a Bill Payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

Billing Account – is the checking account from which all Service fees will automatically debited.

Business Day – is every Monday through Friday, excluding Federal Reserve holidays

Business Customer – Refers to anyone other than a Consumer who owns an Eligible account with respect to which the Service is requested primarily for business purposes.

Business Day Cutoff- Refers to the cut-off time for posting purposes. The cut-off time for online transactions is based upon our Business Days and the Central Standard Time. For posting purposes, we will process all transactions completed by 2:00 PM CST on the same Business Day. Transactions completed after 2:00 PM CST will be processed on the following Business Day. Bill Payment cut-off and scheduling times differ and are further detailed in this Agreement.

Consumer – Refers to a natural person who owns an Eligible Account as this Financial Institution and who uses the Service primarily for personal, family, or household purposes.

Due Date – Is the date reflected in your Biller statement for which the Bill Payment is due. It is not the late date or grace period.

Eligible Accounts – An Eligible Account means any one of you account(s) to which we may allow access through the Service under this Agreement. Only a checking account may be eligible for Bill Payment privileges. We may make additional accounts available for Bill Payment services from time to time as allowed by law or our Bill Payment Service Provider.

You may request online access to any account that you are a signer or owner. If you or your Authorized Users desire features of the Service that allow you to initiate Bill Payment, transfers, ACH transaction, or otherwise remove funds from an account, you must have the required withdrawal authority over the relevant Eligible Account.

When using the Service, you agree to maintain one or more Eligible Accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the Service.

Joint Accounts – If the Eligible Accounts added to the Service are jointly held of have multiple signers, you agree that access to the information and all transactions initiated by the use of your Online Banking ID and Password are authorized unless we have been notified to cancel the Service. If joint owners use individual Online Banking IDs, the Service may be identified separately and you may be charged for the use of additional Online Banking IDs. In some cases, if your account(s) required two signatures for withdrawal, we may only grant “view” privileges to your Eligible Accounts through the Service.

Payment Account – Is the checking account form which Bill Payment will be debited. You must be a legal owner of any Payment Account registered for the Service.

Payment Date – Is the day you want your Biller to receive your Bill Payment. Your account will be debited for electronic payments. If Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

Payment Instruction – Is the information provided by you to the 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 Bill Payment that has been scheduled though the Service but has not begun processing.

Service – means the Online Banking, Bill Payment and Delivery services offered by United Bank of Iowa through its Service Providers.

Service Provider – Includes any agent, licensor, independent contractor or subcontractor that United Bank of Iowa my involved in the provision of Online Banking, Bill Payment, and electronic Bill Delivery services

You and Your – As used within this Agreement, “you” and “your” refer to the person enrolling in the Service, owner of the eligible accounts, as well as any Authorized Users that such person allows, subject to the parameters of multiple user access as set forth within the Service.

We, Us, or Our – As used within this Agreement, refer to United Bank of Iowa, and any agent, independent contractor, service provider, sub-contractor, licensor, designee, or assignee that United Bank of Iowa may involve in the provision of the Service.

Online Banking Services

The basic features currently available through the Service include:

Up to 13 months of complete online transactional detail and history

Account inquiries for balances, rates, etc.

Copies of monthly account statements

Transfers between your accounts at United Bank of Iowa

Secure e-mails via the Service’s messaging system

Secure File Transfers

View loan balances

Payments to loans at United Bank of Iowa

Online check reorders

Stop payments on checks that you have written

Bank to Bank transfers

Transaction downloads into Quicken, QuickBooks, Microsoft Money, Microsoft Excel, and Microsoft Word

Bill Payment services are optional. You can request Bill Payment privileges in the online enrollment process and/or you can add Bill Payment services at a later time by contacting our Online Banking Department or sending us a secure message through the Service. Bill Payment customers also have access to electronic Bill Presentment or Bill Delivery.

We may add or remove certain features and/or functionality available from time to time. You can use the Service seven days a week, 24 hours a day, although some or all features may not be available occasionally due to emergencies or scheduled system maintenance. In addition, access to the Service may be slower at times due to high Internet traffic or other factors beyond our control.

Other Basic Online Banking Features

Stop Payment Feature

The stop payment feature within the Service is only for stopping payments on checks that you have written or for stopping pre-authorized electronic drafts that are deducted from your account. This feature is accessible in the “Online Banking” menu of the Online Banking Service and provides a means to securely forward your stop payment requests to us for processing.

Stop payment requests received through the Service will generally be processed within (1) to (2) Business Days. Therefore, if your request is urgent, we recommend you contact our Online Banking Department directly via telephone or in person. The stop payment feature within the Service should NOT be used to cancel transfers and Bill Payments.

There is typically a stop payment fee associated with this feature. Please refer to our fee schedule for additional information or contact us at 712-364-3393. Additional terms of acceptance or disclosures may apply on the stop payment service and these disclosures will be made at the time you complete the request. Additional information on stop payments is available within the Service.

Check Reorders, Address Change, Order Documents, Secure e-mail, and Secure File Delivery Services

Additional features within the Service include: check reorders, secure emails for address changes, document requests, and secure file delivery. The submission of requests, such as those for address changes, documents requests, or check reorders, will generate a secure email to United Bank of Iowa. Generally, requests received through the Service’s secure email feature will be processed within one (1) to two (2) Business Days. For urgent requests, we recommend that you contact our Online Banking Department.

We also offer a direct link for check reorders. This link will securely submit your reorder request directly to the check printer. In addition, the User’s Services menu, you can request Bill Payment services and the addition/remove of Linked Accounts. The secure file transfer feature within the Service provides a means for you to forward files to this institution on a secure manner. There may be additional fees associated with some of these services, such as when you reorder checks through the Service. Fees will be disclosed in our fee schedule and/or at the time of your request.

Fees

Basic Online Banking Service: (view balance and account transfers):  No charge

Bill Payment Fees:

Therer is no monthly fee for United Bank of Iowa Bill Payment Services.

There may be a charge for additional transactions and other option services. You agree to pay such charges and authorize us to deduct the calculated amount from you designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply.

You are responsible for any and all telephone access fees and/or Internet services fees that may be assessed by your telephone and/or Internet service provider.

Requirements for Enrolling in the Service

In order to enroll in the Service:

You must have an eligible account with United Bank of Iowa

Your account must be in good standing.

You must be 18 years of age or older

You must be a resident of the United States or its possessions

You must have a computer and Internet browser

You will need internet access through an Internet service provider (ISP)

You will need access to a printer and/or other storage medium such as a hard drive for downloading information or printing.

You will also need an external email address for the delivery of electronic notices and disclosures.

Prior to enrolling in the Service and accepting the electronic version of this Agreement, you should verify that you have the required hardware and software necessary to access the Service and to retain a copy of this Agreement.

If we revise hardware and software requirements, and if there’s a material chance that the changes may impact your ability to access the Service, we will give you advance notice of these changes and provide you an opportunity to cancel the Service and/or change your method of receiving electronic disclosures (e.g. change to paper format vs. and electronic format) without the imposition of any fees.

Enrollment Process

You must complete the enrollment process to use the Service. You can enroll for the Service on the Internet or you can enroll in any of our offices. The Online enrollment process involves completing a secure online application that we will use to verify your identity. Your Online Banking ID will be assigned to you, but you will choose your Online Banking Alias and Password during the enrollment process.

When you enroll for the Service, you agree to provide true and accurate enrollment information. Our Online Banking Department will verify the information you submit for accuracy and proper authorizations.

Linked Accounts

When you first enroll for the Online Banking Service we will link all of your designated Eligible Accounts to one Online Banking ID. If you want to limit the accounts linked or the privileges assigned to an account, please contact us at 712-364-3393 or send us a secure email message through the Service.

Signature Requirements

When any transfer, ACH, or other Payment Instruction is initiated through the Service for your benefit, you agree that we may debit the designated Eligible Account without requiring your signature on the item and without any notice to you.

Account Balances

Balance shown in your account may include deposits subject to verification by us. The balance reflected in the Service may differ from your records due to deposits in progress, checks outstanding, or other withdrawals, payments or charges. A transfer request may not result in immediate availability because of the time required to process the request. A transfer request must be made before the Business Day Cut – off time to be effective the same Business Day.

The balances within the Service are updated periodically and the Service will display the most current “as of” date on the “accounts” summary page. There may be situations that cause a delay in an update of your balances. The Service will use the most current balance available at the time of a transaction to base our approval for account transfers.

Canceling or Changing Transfers

You cannot cancel a transfer after it has been entered into the system AND the information has been processed and/or transmitted to us through the Service; however, you can edit or change a transfer that is still “pending”.

In order to cancel or change a pending transfer that has not been submitted to us for processing, use the following procedures:

Log in to the Service

Find the scheduled transfer in the pending section under Transfers

Delete the transfer by using the quick delete box to the left of the transfer OR use the transfer options dropdown box on the right side to delete or make edits.

Edits must be made before 5:00pm, CST for transactions to be processed the same Business Day

If you accidentally transfer funds, you can schedule another transfer to move funds back to the original account.

For assistance, you can send us a secure email through the Service or call our Online Banking Department.

If you need our assistance on making edits to automatic/future dated transfers; you can send us a secure email through the Service;, however, we must receive your request three (3) Business Days or more before the transaction is scheduled for processing. If you call, we may also require you to put your request in writing and get it to us within 14 days after the call. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Bill Payment and Transfer Limitations

You may use the Service to check the balance of your Eligible Account(s) and to transfer funds among your Eligible Account at United Bank of Iowa. You must have sufficient funds in your account to cover the amount of any online transfers and Bill Payment on the scheduled payment date set for the transaction, or the transaction may not e processed. NSF and/or overdraft charges may be incurred if Bill Payments exceed your account balance.

Current federal regulations restrict the number of transactions that you can make from certain types of accounts, such as Money Market accounts. For these types of accounts, you may not make more than six (6) limited transactions in a statement cycle. Limited transactions include any transaction that is not unlimited. Unlimited transactions include: transactions made in person at United Bank of Iowa, transactions done at an ATM, transactions done via messenger, and transactions for the payment of a loan at United Bank of Iowa.

Dormant Accounts

Online Banking accounts that have not been accessed for a period of 365 days will be considered dormant. To reactivate an Online Banking account, user will need to call United Bank of Iowa’s Online Banking Department at 712-364-3393. After 90 days of dormant account status, the Online Banking Account will be deleted. Note: eStatements will not be delivered to deleted Online Banking accounts, and all applicable paper statement fees will be applied as shown in our fee schedule.

Bill Payment Terms and Conditions

Bill Payment Scheduling

The earliest possible Payment Date of each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the Service when you are scheduling the Bill Payment. Therefore, the Service will not permit you to select a Payment Date less than the earliest possible Payment Date designated for each Biller.

When scheduling Bill Payments you must select a Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Payment Date that is at least one (1) Business Day before the actual Due Date. Payment Dates must be prior to any late date or grace period.

The Bill Payment Service Guarantee

Due to circumstance beyond the control of the Service, particularly delays in handling and posting payment by Billers or financial institutions, some transactions may take longer to be credited to your account. Except as expressly stated otherwise within in this Agreement, United Bank of Iowa and/or its Service Providers will only bear the responsibility for any late payment related charges if the error was due to the Service Provider’s system, and as long  as the payment was scheduled in accordance with the guidelines described under “Bill Payment Scheduling” in this Agreement.

Payment Authorization and Payment Remittance

By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions received through the Service.  In order to process payments more efficiently and effectively, our Service Provider may edit or alter payment data or data formats in accordance with Biller directives.

When the Service receives a Payment Instruction, you authorize our Bill Payment Service Provider 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 our service Provider to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payment remitted to you on behalf of another Authorized user of the Service.

Payment Methods

Our Bill Payment Service Provider reserves 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, and electronic payment or an electronic to check payment.

Payment Cancellation Requests

You may cancel or edit any Scheduled Payment (if processing has not begun) by following the directions within the Service. There is no charge for canceling or editing a Scheduled Payment. However once the Service has begun processing a Scheduled Payment it cannot be cancelled or edited, therefore a stop payment request must be submitted, as described within this agreement.

Bill Payment Stop Payment Requests

The ability of United Bank of Iowa and its Service Provider to process a stop payment on a Bill Payment request will depend on the payment method and whether or not a check or other form or payment has cleared. We may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any Bill Payment that has already been processed, you must contact our Customer Service department.

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 stop payment request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set forth in our applicable fee schedule.

Returned Payments

In using the Service, you understand that Billers and/or the United States Postal Service may return Bill Payments to our Service Provider for various reasons such as, but not limited to, Biller’s forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. Our Service Provider will use its best efforts to research and correct the retuned payment and return it to you Biller, or void the payment and credit your Payment Account. You may receive notification from the Service of returned payments.

Bill Payment Information Authorization

Requests for Bill Payment privileges may not be fulfilled if United Bank of Iowa and/or its Service Provider(s) cannot verify your identify and withdrawal authority over the specified accounts. Through your enrollment in the Bill Payment Service; you agree that United Bank of Iowa and its Service Providers reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, you agree that United Bank of Iowa and its Service Providers reserve the right to obtain financial information regarding your account from a Bill or your Financial Institution (for example, to resolve payment posting problems or for verification).

Prohibited Payments

Payments to Billers outside of the United States of its territories are prohibited through the Service.

Exceptions Payments

Tax payments and count ordered payments may be schedule through the Service; however, such payments are discouraged and are scheduled at your own risk. In no event shall United Bank of Iowa or its Service Provider(s) be liable for any claims for damages resulting from your scheduling of these types of payments. The Bill Payment Service Guarantee as it applies to any late payment related charges is void when these types of payments are schedule and/or processed by the Service. Research of exception payments shall be limited to proof of payment and/or unauthorized payments only. All other research and resolution for any misapplied, mis-posted or misdirected exception payments will be your sole responsibility.

Biller Limitation

We reserve the right to refuse to pay any Biller to whom you may direct a payment. The Service 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 an exception payment under this Agreement.

Bill Delivery and Presentment

This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Bill Payment Service’s electronic bill options, you also agree to the following:

Information Provided to the Biller

We are unable to update or change your personal or business information such as, but not limited to, name, address, phone numbers and email addresses, with the electronic Biller. Any changes will need to be made by you; contact the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else’s information to gain unauthorized access to another person’s or company’s bill.

Our Service Provider may, at the request of the Biller, provide to the Biller your email address, Service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes, of the Biller informing you about Service and/or Bill information.

Activation

Upon activation of the electronic bill feature, our Service Provider may notify the Biller of your request to receive electronic billing formation. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

Notification

Our Bill Payment Service Provider will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service or Service Provider may send an email notification to the email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.  

Cancellation of Electronic Bill Notification

The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may also cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. Our Bill Payment Service Provider will notify you electronic Biller(s) as to the change in status of you account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of Electronic Bill(s)

You agree to hold harmless, United Bank of Iowa and its Service Providers should the Biller fail to deliver you statements(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

Accuracy and Dispute of Electronic Bill

Neither United Bank of Iowa, nor its Service Providers are responsible for the accuracy of you electronic bill(s). This Financial Institution and its Service Providers are only responsible for presenting the information received from the Biller. Any discrepancies or disputes regarding eh accuracy of your electronic bill summary or detail must be addressed with the Biller directly.

This agreement does not alter your liability or obligations that currently exist between you and your Billers.

Mobile Banking’s Types of Transfers

You may access your account remotely with your cell phone or other mobile access device and using your established Online Banking account, Online Banking ID and Password. You may use this service to:

Transfer funds from any checking or savings to any checking or savings

Make payments from any checking or savings to any vendor established in user’s Bill Pay account and installment loans (Payments made by paper check to specified payees (as disclosed separately) will not be subject to these Electronic Fund Transfers Rules).

Get balance information about checking, savings, line of credit, certificate of deposit, IRA, HSA, and loans.

Get transaction history about checking, savings, line of credit, certificate of deposit, IRA, HSA, and loans.

Make person to person payments

Privacy

We understand how important privacy is to our customer. We have taken steps to protect the privacy and security of your personal information as well as your financial transactions with us. You should read our privacy notice located in the policy section of the Service before completing the enrollment process for the Service.

Disclosure of Account Information to Third Parties

It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transaction you make ONLY in the following situations:

Where it is necessary for completing transactions;

Where it is necessary for activating additional services;

In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;

In order to comply with a governmental agency or court orders; or

If you give us your written permission

Please refer to our privacy notice in the policy section of the Service for additional detail on disclosure of account information.

Internet Security

The Service utilizes a comprehensive security strategy to protect you accounts and transactions conducted over the Internet. Prior to activating your access to the Service, our Online Banking Department will verify your identity and authorization against information associated with the Eligible Account(s) that you request to be linked to the Service.

Online Banking IDs and Passwords

One of the main security features protecting the Service is the unique combination of your Online Banking ID and Password. During the enrollment process, you will be asked to select a unique Online Banking ID alias and then choose a Password that will be used to gain access to the Service. You determine your own Password, which is encrypted in our database. Neither United Bank of Iowa nor its Service Providers have access to this information. The Service will automatically deactivate your account after three unsuccessful login attempts within a 24 hour time frame. You may reset your password online or you may contact United Bank of Iowa for assistance.

Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data.

You should carefully select a Password that is hard to guess

You should not use words based on your name, address or other personal information

Special characters may be used to increase security.

Do NOT use dictionary words.

Keep your Password safe.

Memorize your Password and do NOT write it down.

You should also change your Password occasionally, such as every 90 days.

A Password should be changed immediately if you suspect that your Password has been compromised. This can be done at any time form the “User Services” menu after you log onto the Service.

NEITHER UNITED BANK OF IOWA NOR ITS SERVICE PROVIDERS WILL CONTACT YOU VIA TELEPHONE OR EMAIL REQUESTING PERSONAL INFORMATION, YOUR ONLINE BANKING ID OR YOUR PASSWORD. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS INFORMATION PLEASE CONTACT US IMMEDIATELY.

Encryption

The Service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using Online Banking. Your browser automatically activates this technology when it attempts to connect to our Service. The Service will warn you if your browser doesn’t meet the encryption requirements.

Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet.

Certificate Authority

The servers hosting the Service have been certified by a Certificate Authority to assure that you are actually talking to the Service instead of someone pretending to be us. If you are using an older browser, such as anything prior to version 11.0 on Internet Explorer or a non-current version of Goggle Chrome, you will see that Certificate Authorities key may have expired; you will need to update your browser. Instructions for upgrading your browser are located on the Browser SSL Update lint, which is located on the Service login page. By clicking on the lock within the Service, you can view the certificate to ensure it’s valid.

Cookies

During your use of the Service, our Online Banking Service Provider will pass an encrypted cookie to your computer in order to identify you computer during the session. This cookie enables us to process multiple transactions during the session without having to provide an Online Banking ID and Password for each individual transaction. Users must accept this cookie to use the Service. This cookie does not contain any personal information; it simply provides another level of security for our Online Banking product. The cookie is stored on your computer’s hard drive, identifying your computer while you are logged on. When you log off, closer your browser, or turn off your machine, the cookie will be destroyed. A new cookie is used for each session, thus, no one can use the prior cookie to access your account.

Additional Security Guidelines

All Authorized Users should log off after every Service session; however, online sessions will automatically end after ten (10) minutes of inactivity. This is to protect you in case you accidentally leave your computer unattended after you log in.

The security of public commuters (e.g. in a library) cannon be assured; therefore we recommend that you refrain from accessing the Service on a public computer.

Routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or spyware may affect the performance of your computer, corrupt and destroy you programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party transmit a virus to other computers.

Use a firewall product (hardware and/or software).

Keep your computer’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service.

Your Password Responsibilities

When you accept the terms and conditions of this Agreement, you agree not to give or make available your password or other means to access you account to any unauthorized individuals. You are responsible for all transfers and Bill Payment you authorize using the Service. If you permit other persons to use the Service, your password, or other means to access your account, you are responsible for any transactions they authorize.

If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify us at once by calling 712-364-3393 during customer service hours. You can also contact us by sending a secure message through the Service.

IF YOUR OR YOUR AUTHORIZED USERS DISCLOSE YOUR PASSWORD TO ANYONE, AND/OR IF YOU ALLOW SOMEONE TO USE YOUR PASSWORD TO ACCESS YOUR ACCOUNT, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM (E.G. SUCH AS WHEN YOU PROVIDE THIS INFORMATION TO A JOINT ACCOUNT HOLDER, AN EMPLOYEE, AND/OR AN AGGREGATION SERVICE PROVIDER).

In addition to the security features described above, there may be other security related notices posted on our website or the Service from time to time. It is your responsibility to read all security notices.

Our Liability for Failure to Complete Transactions

We will use commercially reasonable efforts to make all your transfers and Bill Payments properly. However, we shall incur no liability and any Bill Payment Service Guarantee shall be void if we are unable to complete any transaction initiated by you because of the existence of any one or more of the following circumstances:

If, through no fault of ours, your Eligible Account(s) and/or Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account (if applicable);

The Service and/or the payment processing center is not working properly and you know or have been advised by this Institution and/or its Service Providers about the malfunction before you execute the transaction;

You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Biller;

Your Eligible Account(s), including either your Payment Account or Billing Account, is closed;

If your computer, software, telecommunication lines were not working properly and this problem should have been apparent to you when you attempted the transfer or Bill Payment;

It can be shown that the Biller received the Bill Payment within the normal delivery timeframe and failed to process the payment through no fault of ours;

The payment or transaction request involves funds subject to hold, dispute, restriction, or legal process we believe prevents their withdrawal;

We have reason to believe that a payment or other transaction request may not be authorized by you or any third party whose authorization we believes is necessary; and/or

Circumstances beyond control of the Service, or Service Providers, and this Institution (such as, but not limited to, fire, flood, or interference from and outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from any of your Eligible Account(s), or Payment Account, or causes funds from you Payment Account to be directed to a Biller, which does not comply with your Payment Instructions, this Financial Institution and/or its Service Providers shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions.

Documentation and Verification of Payments and Transfers

Information regarding Online Banking and Bill Payment transactions will be reflected on the account detail in the Service and in your regularly monthly account statement(s).

Provisions Applicable Only to Consumer Deposit Accounts

Errors and Questions

In case of errors or questions about your electronic transactions, you should notify us as soon as possible through one of the following methods:

Telephone us at 712-364-3393

Contact us by using the secure messaging feature within the Service

Write to us at 501 Second Street, Ida Grove, IA 51445

If you think your statement is incorrect or you need more information about an electronic transfer or Bill Payment transaction listed on the statement, we must hear from you no later than sixty (60 days) after the FIRST statement was set to you on which the problem or error appears. You must:

Tell us your name, relevant Service account number(s), and Online Banking ID;

Describe the error or the transaction in question, and explain as clearly as possible
why you believe it is an error or why you need more information; and,

Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will determine whether an error has occurred within ten (10) Business Days after we hear from you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your account.

For errors regarding electronic transactions on new consumer accounts, we may take up to 90 days to investigate your complaint or question. We may take up to 20 Business Days to credit a new account for the amount you think is in error.

If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Consumer Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your Online Banking ID or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit if applicable).

If consumer customers tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00.

If your monthly account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

Additional Provisions Applicable Only to Business Customers

Protecting Your Account

The Service will allow Business Customers to establish individual Online Banking IDs, passwords and privileges for each Authorized User. Transaction history is maintained for each Online Banking ID. Additional fees may be assessed for each Online Banking ID.

Business Customer(s) will be solely responsible for designating its Authorized Users, assigning privileges, and disclosing the identity of said users to this Institution and all changes thereof in writing. BUSINESS CUSTOMER REPRESENTS AND WARRANTS THAT ITS AUTHORIZED USERS HAVE THE APPROPRIATE AUTHORITY TO INITIATE TRANSFERS AND BILL PAYMENTS THROUGH THE SERVICE.

BUSINESS CUSTOMER AUTHORIZES THIS INSTITUTION AND ITS SERVICE PROVIDERS TO ACT UPON, AND YOU AGREE TO BE BOUND BY, ANY TRANSACTION, WHETHER OR NOT AUTHORIZED, THAT IS INITIATED WITH YOUR ONLINE BANKING ID AND PASSWORD AND/OR THE ONLINE BANKING ID AND PASSWORD OF AN AUTHORIZED USER. FURTHERMORE, ANY INSTRUCTIONS, DIRECTIONS, OR OTHER INFORMATION PROVIDED BY THE BUSINESS CUSTOMER, OR ANY OF ITS AUTHORIZED USERS, WILL BE DEEMED TO HAVE BEEN AUTHORIZED BY THE BUSINESS CUSTOMER. THIS FINANCIAL INSTITUTION AND ITS SERVICE PROVIDERS WILL NOT BE RESPONSIBLE FOR VERIFYING THE IDENTITY OR AUTHENTICITY OF ANY PERSON CLAIMING TO BE AN AUTHORIZED USER OF THE BUSINESS CUSTOMER.

BUSINESS CUSTOMER ASSUMES ANY AND ALL LIABILITY ARISING FROM THE USE OR MISUSE OF THE SERVICE OR COMPANY ACCOUNTS BY ITS AUTHORIZED USERS. BUSINESS CUSTOMER AGREES TO INDEMNIFY AND HOLD HARMLESS THIS FINANCIAL INSTITUTION AND ITS SERVICE PROVIDERS FOR ANY LIABILITY AND DAMAGES RESULTING FROM OUR ACTING UPON ANY DIRECTION, INSTRUCTION, OR INFORMATION THAT IS INITIATED WITH AN ONLINE BANKING ID AND PASSWORD OF AN AUTHORIZED USER.

YOU AGREE that we may send notices and other communications, including emails, to the current address shown in our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that Financial Institution Name and/or its Service Providers 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. In addition, you agree to

Require all Authorized Users to keep Passwords secure and strictly confidential;

Immediately notify us and select a new password if you or your Authorized Users believe your Passwords may have become known to an unauthorized person.

We may disable Passwords of Authorized Users even without receiving such notice from you, if we suspect Passwords are being used in an unauthorized or fraudulent manner.

Business customers shall be solely responsible for the development and implementation of all commercially reasonable procedures to control access to their computer systems and to protect any data files stored thereon. Business customers shall be solely responsible for all appropriate and commercially reasonable, physical, logical, and network security systems and devices to protect the security of data files maintained on computer(s) used to access the service as well as the protection against unauthorized access to business computers, and/or networks used to access the service. Business customers shall be solely responsible for any and all losses and damages arising from any authorized or unauthorized access to the service.

This financial institution and its service providers shall have no obligation, liability or control, either directly or indirectly concerning the Business customer’s selection of security systems or devices for the protection of any data files or computers used to access the services or over business customers development or implementation of security procedures or the failure of business customer to maintain said procedures.

Commercial Reasonable Security Procedures of the Service

When you accept this Agreement and use the Service, you acknowledge and agree that the Service includes security measures which are commercially reasonable. You agree to be bound by our security procedures and instructions, which may be periodically updated. You agree to review and implement all security procedures available in connection with the Service, including procedures to protect the confidentiality of your Access ID and passcode and the same for your authorized users. You agree to notify this Financial Institution in the event that your use of the Service would necessitate or be better served by a level of security that exceeds that offered by the Service. If you fail to notify this Financial Institution, you acknowledge and agree that the security aspects of the Service are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.

Errors and Questions

In case of errors or questions about your transactions, you should as soon as possible notify us through one of the following methods:

Telephone us at 712-364-3393 during customer service hours;

Contact us by using the secure messaging feature within the Service; or

Write us at 501 Second Street, Ida Grove, IA 51445

Your Liability for Unauthorized Transfers

You must notify us of errors, discrepancies, or possible unauthorized payments as soon as possible upon learning of the discrepancy. If you fail to notify us within sixty (60) days after you have received notice of an unauthorized or erroneous transfer or Bill Payment, United Bank of Iowa will not owe you any interest on the amount in question, even if we are otherwise liable to you in connection with the transaction.

United Bank of Iowa and its Service providers shall have no liability to you for any unauthorized payment or transfer made using your password that occurs before you have notified us of any possible unauthorized use and we have had a reasonable opportunity to act upon that notice.

If you fail to notify us of any discrepancy within one (1) year, you shall be precluded from asserting any such discrepancy against us.

Limitation of Institution Liability

This financial institution and its Service providers will be deemed to have exercised all due care and to have acted reasonably if we act in accordance with the terms of this Agreement and will be liable for loss sustained by you only to the extent such loss is caused by our misconduct. This Financial Institution and its Service Providers will have no liability for any loss or damage:

Related to the dishonesty of the Business Customer’s employees, officers, agents or Authorized Users;

Resulting from any receiving financial institution’s failure to accept any payment or funds transfer request;

Resulting from any delay in the performance of this Agreement, which is caused by an act of God, fire or other casualty, electrical or computer failure, delays or failure to act by any carrier, medium or agent operating between United Bank of Iowa and third parties, or any other condition outside of our control.

If this Financial Institution and/or its Service Providers fail or delay in making a transfer or Bill Payment pursuant to your instruction, or if we make a transfer or payment in an erroneous amount which is less than the amount per your instruction, unless otherwise required by law our liability shall be limited to interest on the amount which we failed to timely pay, calculated from the date on which the payment was to be made until the date it was actually made or you canceled the instruction.

We may pay such interest either to you or the intended recipient of the payment, but in no event will we be liable to both parties, and our payment to either party will fully discharge any obligation to the other. If we make a payment in an erroneous amount which exceeds the amount per your Payment Instruction, or if we permit an unauthorized payment after we have had a reasonable time to act on a notice from you of possible unauthorized use as described above, unless otherwise required by law, our liability will be limited to a refund of the amount erroneously paid, plus interest thereon from the date of the payment to the date of the refund, but in no event to exceed sixty (60) days interest.

If we become liable to you for interest compensation under this Agreement or applicable law, such interest shall be calculated based on the average federal funds rate at the Federal Reserve Bank in the district nearest to United Bank of Iowa for each day interest is due, computed on the basis of a three hundred sixty (360) day year.

No third party will have rights or claims against United Bank of Iowa and its Service Providers under this Agreement. The terms of this section will survive termination of this Agreement.

Indemnification

Business Customer(s) and its Authorized Users will defend, indemnify and hold harmless United Bank of Iowa and its Service Providers against and in respect to any and all loss, liability, expense and damage, including consequential, special and punitive damages, directly or indirectly resulting from: (i) the processing of any request received by United Bank of Iowa through the Service, (ii) any breach of the provisions of this Agreement (iii) any request for stop payment; (iv) any dispute between you and any third party in connection with the use of the Service; and (v) any and all actions, suits, proceeding, claims, demands, judgments, costs and expenses (including attorney’s fees) incident to the foregoing. The terms of this section will survive termination of this Agreement.

Alterations and Amendments

This Agreement, applicable fees and service charges may be altered or amended from time-to-time. In such event, we will provide notice to you. Any use of the Service after we provide you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates.

Address, Email, or Payment Account Changes

When you enroll in the Service, we may send you a "Welcome" e-mail. We will also send you e-mails and/or secure messages through the Service regarding important Internet Banking and Bill Payment matters and/or changes to this Agreement. You must provide us your current e-mail address in order for us to deliver this information to you.

It is your sole responsibility to ensure that your contact information is current and accurate. This includes, but is not limited to, name, address, phone numbers, and e-mail addresses. Changes can be made either within the Service in the User Services menu or by contacting our Online Banking Department at 712-364-3393.

Any changes to your Eligible Account(s), Payment Account, or Billing Account should also be made in accordance with the procedures outlined above.

We are not responsible for any Bill Payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information

Service Termination, Cancellation, or Suspension

In the event you wish to cancel the Service, please contact our Online Banking Department or send us a secure email through the Service.

Any Bill Payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Bill Payments, including automatic payments, will not be processed once the Service is cancelled. You will remain responsible for any fees associated with the Service Prior to the effective cancellation date.

We may terminate of suspend the Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

Access to our Service maybe canceled in whole or part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. If your account(s) is closed or restricted for any reason, or if there has not been any Online Banking or Bill Payment activity for a period of 3consecutive months, accessibility will automatically terminate

Exclusions of Warranties and Limitation of Damages

THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS", "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Notwithstanding our efforts to ensure that the Service is secure, we cannot and do not warrant that all data transfers via the Service will be free from monitoring or access by others.

You are solely responsible for the maintenance, installations, and operation of your computer. Neither This financial institution nor its service providers shall be responsible for any delays, errors, deletions, or failures that occur as a result of any malfunction of your computer or software.

THE FOREGOING SHALL CONSTITUTE United Bank of Iowa AND ITS SERVICE PROVIDER’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL United Bank of Iowa or its service providers BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS or attorneys fees (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR YOUR USE OF THE SERVICE.

Assignment

You may not assign this Agreement to any other party. We may assign this Agreement at our sold discretion. We may also assign or delegate certain rights and responsibilities under this Agreement to independent contracts or other third parties.

No Waiver

This Financial Institution and its Service Providers shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission in exercising any rights or remedies shall operate as a waiver of such rights or remedies of any other rights or remedies. A waiver on any one occasion shall be not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions

The captions of sections hereof are for convenience only and shall not control of affect the meaning or construction of any of the provisions of this Agreement.

Disputes

In the event of a dispute regarding the Service, you agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and us, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and us relating to the subject matter of this Agreement. If there is a conflict between what the employees of this financial institution and/or its Service Providers say and the terms of this Agreement, the terms of this Agreement will prevail.

Waiver of Trial by Jury

The parties hereby knowingly, voluntarily and intentionally waive any right they may have to a trial by jury with respect to any litigation brought based upon this Agreement, or arising out of, under, or in connection with this Agreement and any agreement contemplated to be executed in conjunction herewith, or any course of conduct, course of dealing, statements or actions of the parties. This provision is a material inducement for the parties entering this Agreement.

Ownership of Material

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by United Bank of Iowa and/or is Service Providers unless otherwise indicated. All registered and unregistered trademarks used in the Service are the sole property of their respective owners. Unauthorized reproduction in whole or part is prohibited.

Governing Law and Relation to Other Agreements

Accounts and services provided by this Financial Institution may also be governed by separate agreements with you. This Agreement supplements any other agreement(s) and/or disclosures related to your Eligible Account(s) and provided to you separately.

This Agreement shall be governed by and construed in accordance with federal laws and the laws of the State of Iowa without regard to its conflicts of law’s provisions; provided, however, that any dispute solely between you and our Bill Payment Service Provider shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflicts of law’s provisions.

United Bank of Iowa “My Finance Tracker” Agreement and Disclosure Statement

Welcome to United Bank of Iowa’s My Finance Tracker. Use of My Finance Tracker indicates acceptance of terms and conditions set forth in this My Finance Tracker Agreement and Disclosure Statement. This Agreement governs the use of United Bank of Iowa’s financial management tool described herein (My Finance Tracker or the "Service"), which is offered by and through United Bank of Iowa ("UBI", "we", "us", or "our"), to each customer enrolled in United Bank of Iowa’s Online Banking. Each reference in this Agreement to "you" or "your" means each customer who may utilize the financial management tool provided as a service within the Online Banking Service Please read this Agreement carefully and keep a copy for your records.

With our fully interactive on-line Service, you may monitor any of your financial account relationships from any of your accounts at United Bank of Iowa or from any other account held by you at another financial institution, referred to in this agreement as “Accounts”, assuming, of course, that the financial institution has the ability to and permits you to release your financial information to My Finance Tracker and United Bank of Iowa.

1. Introduction

“Account” means any of your accounts at United Bank of Iowa or any other account held by you at another financial institution. “UBI”, “we”, “our”, or “us” means United Bank of Iowa. “My Finance Tracker” and/or “Service” means the Account management service that United Bank of Iowa makes available through Geezeo.com. The Service includes analyzing your personal finances through the Account information you provide, and the impact of various strategies on them.

2. Information Authorization

We reserve the right to obtain such additional information as we deem reasonably necessary to ensure that you, or financial institutions holding your accounts, are not using our Service in violation of law, including, but not limited to, laws and regulations designed to prevent “money laundering”. United Bank of Iowa reserves the right, in its sole discretion, to determine if you are eligible and approved for the Service. If you are approved for the Service, we may verify the Accounts that you add to the Service. You authorize us to validate the Accounts. Once the validation is complete, we may also verify Accounts by requiring you to submit proof of ownership of the Account.

3. User Content

By submitting Content, you represent that you have the right to grant such content license to us for the purposes set forth in this agreement. Please refer to the United Bank of Iowa privacy policy located on our website for further information.

4. Accounts

You understand and agree that, at all times your relationship with us and each Account provider is independent of us and your use of the Service. We will not be liable or responsible for any acts or omissions by the financial institution or other provider of any Account, including without limitation any modification, interruption or discontinuance of any Account by such provider. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ARE COLLECTING INFORMATION RELATED TO THE SERVICE FROM ANY OF YOUR ACCOUNTS, WE ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. YOU AGREE THAT WE, OUR AFFILIATES AND PARTNERS SHALL BE ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU. YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES, OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED FROM THE ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY PROVIDER OF ACCOUNTS; (5) THE ACTIONS OR INACTION OF ANY OTHER FINANCIAL INSTITUTION OR OTHER PROVIDERS OF THE ACCOUNTS. Not all types of accounts are eligible for the Service. Be sure to check with your financial institution for restrictions regarding your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from the provider of your Account or those imposed by applicable law.

5. Electronic Communications
6. General Consent; Categories of Records. The Service is an electronic, Internet based-service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:

• This Agreement and any amendments, modifications or supplements to it.
• Your records of funds transfers and other transactions through the Service, including without limitation confirmations of individual transactions.
• Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law.
• Any Customer Service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service.
• Any other communication related to the Service.

Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format are considered to be in writing. You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not agree to receive this Agreement or the Communications electronically, you may not use the Service.

1. How to Update Your Records. You agree to promptly update your registration records with us if your e-mail address or other information changes.
2. Privacy Policy and Confidentiality

We regard your privacy and security with the utmost importance, and we are absolutely committed to safeguarding any information that you share with us. In order to provide the Service, we must obtain from you certain personal information about you, your Accounts, and your transactions (referred to herein as “User Information”). You represent that you have the right to provide such User Information and that you give us the right to use the User Information in accordance with our privacy policy. All of your personal and financial information will be placed on a secure portion of our web site. We have multiple levels of security that have been designed especially for us.

7. Business Days

The Service will monitor transactions on business days. Business days are Monday through Friday.

8. Authorization and Limitations
9. Authorization

You authorize us to access your personal financial information for each account you request to include in the Service.

9. Suspension and Reinstatement of the Service

In the event that we at any time incur a problem with your use of the Service, including, without limitation, attempting to include Accounts you are not authorized to access, and without limiting any other right or remedy that we may have under this Agreement or otherwise, we reserve the right to suspend or terminate your right to use the Service immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect ourselves from loss. In the event of such suspension, you may request reinstatement of the Service by contacting us using any of the methods provided for under the Agreement. We reserve the right to, at our discretion, grant or deny reinstatement of your use of the Service. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your Service subject to other restrictions than otherwise might be available to you. Based upon your subsequent usage of the Service, we at our sole discretion may thereafter restore your ability to use the Service.

10. Your Responsibility for Errors

You understand that we must rely on the information provided by you and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you. You understand that financial institutions receiving your request for the release of information may rely on such request through the Service. We are not obligated to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You understand that, if you provide us with incorrect information or if there is any error in your instruction, we will make all reasonable efforts to reverse or delete such Account but you acknowledge and agree United Bank of Iowa shall have no liability for any and all losses resulting, directly or indirectly, from any of your errors, duplication, ambiguities or mis-information in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, we reserve the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

11. Proprietary Rights

You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer, or reverse compile the Service.

12. No Unlawful or Prohibited Use

As a condition of using the Service, you will not use the Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party's use and enjoyment of the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.

13. Security Procedures

You understand that the financial institution at which an Account is maintained may contact us to verify the content and authority of instructions and any changes to those instructions. You understand that, as your agent, we may provide to such financial institution such information as may be required to verify the instructions and as may constitute a valid security procedure under the rules governing such Account.

14. Deviating from Security Procedures

You agree to allow us to authorize any financial institution at which you have an Account to accept instructions in accordance with any authorization procedures as may be agreed from time to time between you and such financial institution, or between us, on your behalf, and such financial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition, you agree that we may authorize such financial institutions to release your Account information based solely on these communications.

15. Account Number Policy

If instructions identify a financial institution or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers.

16. Means of Transfer

You authorize us to select any means we deem suitable to provide your instructions to the applicable financial institution. These choices include banking channels, electronic means, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable systems, such as the automated clearing house (ACH) as published by the National Automated Clearing House Association (NACHA).

17. Our Liability

If we fail to provide the Service in accordance with the terms and conditions of this agreement, we shall be responsible for correcting improper Account information. We are not responsible or liable for incomplete, incorrect, failed or late Account information due to any other financial institution system failures, errors or mistakes. Except as otherwise required by law, we shall in no other event be liable for any losses, fees, overdraft charges or damages other than those arising from our breach of a representation or warranty provided herein.

You agree that your use of the Service constitutes authorization for us to obtain information related to your Accounts. You understand and agree that we are not liable under any circumstances for any losses or damages, directly or indirectly, if, you suffer a loss based on the accuracy of information provided to you through My Finance Tracker.

You also understand and agree that we are not responsible to the extent performance is prevented or delayed due to causes beyond such party's reasonable control and without its negligent or willful misconduct, including without limitation acts of God, natural disasters, terrorist acts, war or other hostilities, labor disputes, civil disturbances, governmental acts, orders or regulations, third party nonperformance or failures or fluctuations in electrical power, heat, light, air conditioning or telecommunications equipment.

18. Limitation of Warranty and Liability

YOU UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED AS-IS. EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR AS REQUIRED BY LAW, WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY, OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED OR OBTAINED AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR THE OBTAINING OF SUCH MATERIAL AND/OR DATA.

EXCEPT AS EXPRESSLY SET FORTH ON THE WEB SITE OR IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS: AND, WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US FROM THE ACCOUNTS OR THAT THE SERVICE WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE.

EXCEPT AS DESCRIBED IN THIS AGREEMENT, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE SERVICE, ANY INACCURACY OF ANY INFORMATION OR AMOUNT RETRIEVED BY US FROM THE ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED ON THE SERVICE, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19. Indemnification

You agree to indemnify, defend and hold harmless United Bank of Iowa, our affiliates, partners, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising directly or indirectly from: (a) your use of the Service; (b) our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, (c) your negligence or intentional conduct; (d) your violation or breach of the terms under this Agreement including, but not limited to, any breach which results in the unauthorized and/or non-permissible use of information obtained via United Bank of Iowa’s Online Banking Service or My Finance Tracker; and/or (e) your infringement, or infringement by any other user of your account(s) at our web site, of any intellectual property or other right of any person or entity.

20. Miscellaneous

You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability, and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. Our failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of this Agreement.

The most current version of this Agreement as it appears on our web site, including any amendments that we may make from time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or understandings, whether written or oral, regarding the Service. This Agreement may be amended, or any of our rights waived, only if we agree in writing to such changes, or you continue using the Service following receipt of notice of any changes proposed by us. All notices to you shall be in writing and shall be made either via e-mail, conventional mail or messages delivered through the Services, at our discretion. Regardless of your receipt of email notification, you agree that our posting of the Amendment on the Online Banking Web site constitutes delivery of your amendment notice. All notices to us must be made in writing and sent to us at United Bank of Iowa via registered or certified mail.

We may assign this Agreement to any affiliate, parent or other company. We may also assign or delegate certain of the rights and responsibilities under this Agreement to such third parties as we may elect upon notice to you whereupon we shall be released from any and all further liability or responsibility related thereto.

You may not assign any of your rights under this Agreement, except with the prior written consent of United Bank of Iowa. You are prohibited from any and all assignments of rights under this agreement, whether they are voluntary or involuntary, by merger, consolidation, dissolution, operation of law, or any other manner. You may not delegate any performance under this Agreement. Your purported assignment or delegation of any rights of performance are in violation of this agreement and void.

We reserve the right to amend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments. We may amend or cancel any provision or charge by disclosing the change in writing or electronically, and, at our option, by sending notification to the e-mail address recorded during your Online Banking enrollment. You may choose to accept or decline amendments, cancellations or changes by continuing or discontinuing the accounts or services to which these changes relate, at your option. Regardless of your receipt of email notification, you agree that our posting of the Amendment on the Online Banking Web site constitutes delivery of your amendment notice. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations.

Virus Protection

United Bank of Iowa is not responsible for any electronic virus or viruses that you may encounter. We encourage our members to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or un-repaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

Termination

You may terminate the use of Online Banking or any service within Online Banking by contacting United Bank of Iowa in writing by mail, e-mail, or personal delivery. If your account is closed or restricted for any reason, Online Banking accessibility will automatically terminate. United Bank of Iowa may terminate this agreement any time with or without notice.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Iowa. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect. This Agreement shall take effect immediately upon the acceptance of your application for the Service by us.

Third-Party Beneficiaries

This Agreement is for the sole and exclusive benefit of customers and is not intended to benefit any third party. Customer and financial institution acknowledge and agree that any party that licenses the Software to the financial institution, directly or indirectly through one or more sub-licensees, is a third party beneficiary to this Agreement with respect to those provisions dealing with use and protection of intellectual property.

Entire Agreement

This Agreement, the Exhibits and schedules to this Agreement (as may be amended from time to time), constitutes the entire agreement between customer and financial institution with respect to the subject matter hereof, supersede any prior agreements between financial institution and customer with respect to the subject matter hereof, and shall be binding upon financial institution, customer and their respective successors and permissible assigns. In the event of any inconsistency between this Agreement and the Documentation or any Account Agreement, this Agreement will govern.