United Bank of Iowa

United Bank of Iowa

Online Banking Agreement

Effective December 2024

Online Banking Department

United Bank of Iowa

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 INITIATING ANY TRANSACTIONS.

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

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.

Agreement – means the terms and conditions of the Online and Mobile Banking agreement and Bill Payment Service

Authorized User – an individual or agent whom you allow to use the Service, your password, or other means to access your Eligible Account(s)

Bank to Bank Transfers (B2B) – option within the Service to add external financial institution accounts to transfer funds to and from your United Bank of Iowa account

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 Cut off - 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.

Card Control – United Bank of Iowa’s Card Control feature tied to your debit card(s), demand deposit account, or other source for managing, sending, and receiving funds.

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 your 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 Eligible 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 or have multiple signers, you agree that access to the information and all transactions initiated by the use of your username and password are authorized unless we have been notified to cancel the Service. If joint owners use individual usernames, the Service may be identified separately. 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, and Insights 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 may involve in the provision of Online Banking, Bill Payment, electronic Bill Delivery, and Insights services

Insights Service “Insights” – means the financial management tool offered within Online Banking that allows you to monitor any of your financial account relationships from any of your accounts at United Bank of Iowa of from any other account held by you at another financial institution

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.

The basic features currently available through the Service include:

• 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 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, add Bill Payment services at a later time by contacting our Online Banking Department, or by sending us a secure message through the Service. Bill Payment customers also have access to electronic Bill Presentment or Bill Delivery. Insights services are also optional. You can request these services through Online Banking.

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.

1. 1. 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.

1. Check Reorders, Address Changes, Order Documents, Secure e-mail, and Secure File Delivery Services

Additional features within the Service include: check reorders, messages 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 message to United Bank of Iowa. Generally, requests received through the Service’s Messages 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, in 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.

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

Bill Payment Fees: There 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.

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 13 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.

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. Information needed will include your social security number, (EIN and TIN are also accepted), account number, email address, and phone number. A one-time passcode will be sent to the email address on file and must be entered within five minutes. Users will then select a two-factor authentication method, and input the codes received. Upon agreement to these terms and conditions, the user will select a username and password that will be used for future logins.

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.

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

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.

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.

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 procedure:

• Log into the Service
• Find the scheduled transfer in the pending section under Transfers
• Select the transfer and then click the “trash can” icon in the upper right corner.
• Edits must be made before 5:00 pm, CST for transactions to be processed the same Business Day.
• If you accidently transfer funds, you can schedule another transfer to move funds back to the original account.

If you need assistance, send us a message through the Service or call our Online Banking Department. If assistance is needed pertaining to edits needed for automatic/future dated transfers, please send us a message through the Service. We must receive your request three (3) business days of more before the transactions is scheduled for processing. If you call, we may also be required 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. 

You may use the Service to check the balance of your Eligible Account(s) and to transfer funds among your Eligible Accounts at United Bank of Iowa. You must have sufficient funds in your account to cover the amount of any online transfers and Bill Payments on the scheduled payment date set for the transactions, or the transactions may not be processed. Applicable overdraft charges and returned item fees may be incurred if payments and transfers exceed your account balance. The fees will correspond to the in-effect Limits and Fees Schedule at the time of the transaction.

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 the Online Banking Department at 712-364-3393. After 90 days of dormant account status, the Online Banking account will be deleted. Any account notices including estatements will not be available through Online Banking after deletion. This may result in a paper statement fee as shown in the Limits and Fees Schedule.

1. 1. 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.

1. 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 credit to your account. Except as expressly state otherwise within 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 as long as the payment was scheduled in accordance with the guidelines described under “Bill Payment Scheduling” in this Agreement.

1. 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 out 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.

1. Payment Methods

Our Biller 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, electronic payment or an electronic to check payment.

1. 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.

1. 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.

1. 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.

1. 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 identity 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).

1. Prohibited Payments

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

1. Exceptions Payments

Tax payments and court ordered payments may be scheduled through he 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 scheduled 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 exceptions payments will be your sole responsibility. 

1. 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 the Agreement.

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

1. Information Provided to the Biller

We are not 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. You should 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 specially requested by the Biller at the time of activating the electronic bill for that Biller for the purpose of the Biller informing you about Service and/or Bill information.

1. 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.

1. 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.

1. 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 your account and it is your sole responsibility to plan 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.

1. 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 your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

1. Accuracy and Dispute of Electronic Bill(s)

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

Within the Service, you may separately enroll for Bank to Bank Transfer Service (B2B). B2B allows you to transfer funds between your linked personal deposit accounts at United Bank of Iowa and certain deposit accounts at other financial institutions.

1. Features

An inbound transfer moves funds into an account at United Bank of Iowa, and an outbound transfer moves funds from an account at United Bank of Iowa to an account outside of United Bank of Iowa. You will need to enroll each of your non-United Bank of Iowa accounts that you wish to use for B2B.

1. Enrollment

To enroll in B2B you will need the routing number and account number of the account you wish to enroll, which can be found on a deposit slip or check for that account. You agree that you will only attempt to enroll accounts for which you have authority to transfer funds.

In order to use the external account for United Bank of Iowa transfers, the account must be verified. Your institution will verify that you are authorized on the external account through auto verification. Your external account will be credited with a random amount within one to two business days. Once you see the credit on your external account, log back into the Service, go to Enrolled Accounts and key in the amount of the credit without a decimal point or dollar signs. For example, if 21 cents credits your external account, you will enter 21 in the verification amount field. You will have 7 calendar days to complete this process. You may add more accounts using the preceding method.

1. Bank to Bank Transfer Limits and Fees

There are currently no fees for the B2B service. Fees are subject to change and any updates to fees will be conveyed to you in a timely manner. Transfers are subject to the following limits.

• Three inbound transfers per day not to exceed $2,500.00
• Three outbound transfers per day not to exceed $2,500.00

The above limits apply to the total of all United Bank of Iowa transfer or a specific type for all accounts enrolled in the Service. We may change your dollar limits and transfer limits at any time.

1. Bank to Bank Transfer Cut Off

Funds requested to be transferred will be debited or credited to your United Bank of Iowa account the business days following the day you initiate the transfer, provided you have met the United Bank of Iowa cut off time for submitting B2B transfers. In the case of a future dated or recurring transfer, these time limits will be the business day following the scheduled date of the transfer. The cut off time for initiating transfers is 2:00 pm. Funds requested to be transferred will be debited or credited to the non-United Bank of Iowa account according to the receiving Financial Institution’s funds availability policy and schedule.

Card Controls allows users to manage their United Bank of Iowa debit cards, submit travel notices, and set up alerts and protections regarding the use of their debit cards.

1. Enrollment

Users may enroll their active United Bank of Iowa debit cards in Card Controls. This can be done from within the Service. Once a card is enrolled, the user will be able to enable the card services as needed.

1. Alerts and Protections

We may from time to time provide you with automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes made online to your account, such as a change to your registration information. Voluntary account alerts may be turned on by default as part of Card Controls. They may then be customized, deactivated, or reactivated by you. We may add new alerts from time to time, or cease to provide certain alerts at any time and in our sole discretion, and without notice to you. All alerts can be sent via email or text to the email and cell phone provided by the user. You, as the user, are responsible for updating United Bank of Iowa with any change in your email address or cell phone number. Changes to your email or cell phone number will apply to all of your alerts. We reserve the right to discontinue sending alerts to any email address or cell phone number you have provided if any email to the address or any text to the cell phone number is rejected or we have any other issues or concerns regarding any email address or cell phone number, and without notice to you.

1. Card Lock

Users may lock an enrolled card by indicating within Card Controls that the card is to be locked. At the time a card is locked all transactions will be denied, but recurring payments set up with the card prior to locking may continue. Any credits or deposits to the card will continue to be allowed. These restrictions will continue until the user indicates the card is to be unlocked. At this time, transactions will once again be approved. To permanently deactivate a card, the user should contact United Bank of Iowa.

1. Travel Notices

Travel notices can be activated within Card Controls by entering the destination and dates. Notices will be sent to United Bank of Iowa and Shazam, Inc. We will make every effort to make your debit card available during your destination, but highly encourage the user to bring other forms of payment in the even the travel notice request cannot be honored.

This fully interactive Online Banking Service allows you to monitor multiple account relationships from various financial institutions and United Bank of Iowa from within Online Banking through our service provider Geezeo.com. Insights includes analyzing your personal finances through the account information you provide and the impact of various strategies on them.

1. 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 Insights 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 Insights. If you are approved, we may verify the accounts that you add. 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. You authorize us to access your personal financial information for each account you request to include in the Service.

1. 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 policies located on our website for further information.

1. 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 Insights. 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 INSIGHTS 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 Insights. 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.

1. Suspension and Reinstatement of Service

In the event that we at any time incur a problem with your use of Insights, 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 Insights 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 Insights 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 it. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate Insights subject to other restrictions than otherwise might be available to you. Based upon your subsequent usage of Insights, we at our sole discretion may thereafter restore your ability to use it.

1. 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 Insights. 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.

1. 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 instruction and as may constitute a vale security procedure under the rules governing such account.

1. 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.

1. 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.

1. 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, main, 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)

1. Our Liability

If we fail to provide Insights 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 Insights 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 Insights.

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.

You may access your account remotely with your cell phone or other mobile access device and using your established Online Banking account, Username, 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 payment
  

21. Privacy

We understand how important privacy is to our customer(s). We have taken steps to protect the privacy and security of your personal information as well as your financial transactions with us. Please read our standard Privacy Notice and Mobile Privacy Policy to learn more about how we share information and the steps we take to protect your privacy.

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

One of the main security features protecting the Service is the unique combination of your username, password, and two factor authentication (2FA). During the enrollment process, new users will enter enrollment information including: Social Security Number or EIN/TIN, account number, email address, and phone number. Your email address will be sent a one-time passcode, and once it is entered, the enrollee will select a method of verification for 2FA. This can be done through a text message or phone call. The user will then enter the code received via the 2FA method. Your username and password, which will be selected during enrollment, will be used to access the Service from the device used during enrollment. Any additional devices used to access the Service will require the 2FA method again. Your password will be encrypted in our database. Neither United Bank of Iowa or its Service Providers have access to this information. The Service will automatically deactivate your online banking account after three unsuccessful attempts within a 24-hour time frame. You may reset your password online or you may contact United Bank of Iowa for assistance.

1. Password Information

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
• A special character will need to be used to increase security
• Do not use words found in the dictionary
• Memorize your password and do not write it down
• Your password should be at least 8 characters in length and made up of letters and numbers
• You should change your password occasionally, such as every 90 days, but will be required to change it annually.
• You should change your password immediately if you suspect that your password has been compromised. This can be done from within the Service.

NEITHER UNITED BANK OF IOWA OR ITS SERVICE PROVIDERS WILL CONTACT YOU VIA TELEPHONE, TEXT, OR EMAIL REQUESTING PERSONAL INFORMATION, YOUR ONLINE BANKING USERNAME, OR YOUR PASSWORD. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS INFORMATION, PLEASE CONTACT US IMMEDIATELY.

1. Encryption

The Service uses the Secure Socket Layer (SSL) 256-bit AES encryption for HTTPS and at rest traffic. 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 you 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.

1. 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 link, 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.

1. Cookies

During your use of the Service, our Online Banking Service Provider will pass an encrypted cookie to your computer in order to identify your computer during the session. This cookie enables us to process multiple transactions during the session without having to provide an Online Banking username 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, close 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.

1. 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 computers (e.g. in a library) cannot 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 unrepaired viruses or spyware may affect the performance of your computer, corrupt, and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party which in turn transmits 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. Periodically, there may be security related notice posted to the website or the Service. Please read all posted security notices.

1. Additional Responsibilities

When you accept the terms and conditions of the Agreement, you agree not to give or make available your password other means to access your account to any unauthorized individuals. You are responsible for all transfers and Bill Payments you authorize while 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 of stolen, 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 business hours.

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 our, 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, correct name, address, phone number, or account information for the Biller;
• Your Eligible Account(s), including either you Payment Account of 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 its withdrawal;
• We have reason to believe that a payment or other transaction request may not be authorized by your or any third party whose authorization we believe is necessary; and/or
• Circumstances such as, but not limited to, fire, flood, or interference from an outside force, prevent the proper execution of the transaction

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 your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, United Bank of Iowa and/or its Service Providers shall be responsible for returning the improperly transferred funds to your Payment Account and directing to the proper Biller any previously misdirected transactions.

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

1. 1. 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 system 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 we sent you the FIRST statement on which the problem or error appeared. In your letter, give us the following information: (a) Tell us your name and account number (if any), (b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, and (c) 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.

1. 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.

1. 1. Protecting Your Account

The Service will allow business customers to establish individual usernames, passwords, and privileges for each authorized user. Transaction history is maintained for each username.    

Business customers 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 customers authorize this institution and its service providers to act upon, and you agree to be bound by any transactions, whether or not authorized, that is initiated with your username and password and/or the username 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 customers assume any and all liability arising from the use or misuse of the service or company accounts by its authorized users. Business customers agree 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 a username 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 United Bank of Iowa 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 and immediately notify us and select a new password if you or your authorized users believe your 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 computers(s) used to access the services 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 of devices for the protection of any data files or computers used to access the services or over business customer’s development or implementation of security procedures of the failure of business customer to maintain said procedures.

1. 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 username and password, and the same for your authorized user. You agree to notify this financial institution in the even that you use of the Service would necessitate of 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 you needs and will provide you with a commercially reasonable degree of security against unauthorized use.

1. Errors and Questions

In case of errors of question about your transactions, you should, as soon as possible, notify use through one of the following methods: call 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 2^nd Second Street, Ida Grove, IA 51445.

1. Limitation of Institution of 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 lability or any loss of 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, or resulting from any delay in the performance of this Agreement, which is caused by an act of God, fire, or other casualty, electrical, 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 you 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 cancelled 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.

1. 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.

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.

We will send you messages through the Service regarding important Online Banking and Bill Payment matters and/or changes to this Agreement. 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.

In the event you wish to cancel the Service, please contact our Online Banking Department or send us a message 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 3 consecutive months, accessibility may automatically terminate.

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 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 attorney’s fee (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.

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

United Bank of Iowa 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 United Bank of Iowa. No delay or omission in exercising any rights or remedies shall operate as a waiver of such right or remedies of any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

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

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 United Bank of Iowa and/or its Service Providers say and the terms of this Agreement, the terms of this Agreement will prevail.

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.

Copyright in the pages, in screens displaying the pages, in the information and material therein, and in their arrangement is owned by United Bank of Iowa and/or its 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.

Accounts and service provided by United Bank of Iowa may also be governed by separate agreements with you. This Agreement supplements any other agreement(s) and/or disclosure related to your eligible account(s) and provide 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.