CONTRATO DE CUENTA DE DEPÓSITO SOFTWRAP

1. Descripción general de la cuenta

1.1 Cómo contactarnos

You may contact us with any questions or concerns regarding your Account. All communication between you and us will be handled by the Program Partner. The best way to contact us is through email at ayuda@softwrapbank.com . You may also contact us by live agent chat. Agents are available 24/7, 365 days a year.

1.2 Tipo de cuenta y elegibilidad

The Account is a non-interest-bearing non-consumer demand deposit account used to hold your business deposits and make certain types of payments and transfers. To open an Account, you must be a sole proprietorship, corporation, unincorporated association, limited liability company, limited liability partnership, or partnership (collectively, “Business Entity”) within the fifty (50) United States, the District of Columbia, and all U.S. territories. Other eligibility requirements may apply. This Account may only be used for business purposes and cannot be used for any personal, family or household purposes.

We may decline to open an Account for any reason at the sole discretion of the Bank or Program Partner. We are not liable for any damages or liabilities resulting from refusal of an Account relationship.

1.3 Acceso en línea o móvil a su cuenta

When you open an Account, you will also be enrolled in an online business banking service or mobile application (collectively, “Online Banking Services”) offered by the Program Partner that you can use to access your Account, view information about your Account and conduct certain transactions. You may also be given access to various features through the Online Banking Services separate from your Account. If you cancel your enrollment in the Online Banking Services at any time, we may close your Account (see Section 3.13 below).

Unless otherwise specified in this Agreement, the Online Banking Services and any of its features are governed by the Program Partner’s Terms of Use, available at https://softwrapbank.com/terms and Privacy Policy, available at https://softwrapbank.com/privacy-policy . Please review these documents carefully because by using the Online Banking Services, you agree to be bound by them. These services are not provided or controlled by the Bank or this Agreement, and you agree not to hold the Bank liable for issues that may arise from your use of the services or features.

1.4 Cuenta sin papel

To open an Account, you must agree to go “paperless.” This means that you must (1) provide us with and continue to maintain a valid email address and (2) accept electronic delivery of all communications that we need or decide to send you in connection with your Account by agreeing to our ESIGN Agreement, available at https://softwrapbank.com/esignagreement .

1.5 Usuarios autorizados

Es posible que se le brinde la posibilidad de designar personas adicionales (“Usuarios autorizados”) a quienes autorice a acceder a su Cuenta y/o realizar transacciones a través de su Cuenta. Al establecer un Usuario autorizado, usted comprende que cualquier autorización de transacción, instrucción o cualquier otra acción relacionada con su Cuenta que realice su Usuario autorizado se considerará autorizada por usted y válida y no tenemos ninguna obligación de investigar la autorización, instrucción o actividad. También acepta que no nos hará responsables de actuar según dicha autorización, instrucción o actividad. Continuaremos tratando todas las acciones realizadas por su Usuario autorizado como lo ha autorizado usted hasta que revoque el acceso del Usuario autorizado a su Cuenta notificándonos por correo electrónico a help@softwrapbank.com. También nos reservamos el derecho de cancelar el acceso de su Usuario Autorizado a la Cuenta por cualquier motivo y sin previo aviso.

1.6 Cómo abrir una cuenta

You may open an account by visiting the Program Partner’s website, https://softwrapbank.com , and following the instructions.

Any person completing the Account opening process or otherwise completing any Account opening requirements represents and agrees that they:
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- Are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity
- Have furnished all documents or other information necessary to demonstrate that authority
- Will furnish other documents and complete other requirements as we may request them
- Certify that, to the best of his or her knowledge, all information provided to us, including information concerning beneficial owners, is complete and correct

We may refuse to recognize any resolution affecting the Account that appears to us to be incomplete or improperly executed.

Información importante sobre procedimientos para abrir una nueva Cuenta: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information identifying each person who opens an Account. This means that when you open an Account, we will ask for information that allows us to identify you. We may also ask for a driver’s license or other identifying documents for your business, Authorized Users, account owners, and your officers, directors, beneficial owners, controlling shareholders and others.

1.7 Depósitos y Saldos Mínimos

No se requiere un depósito mínimo para abrir una Cuenta ni un saldo mínimo que deba mantener en su Cuenta.

1.8 Divulgaciones de intereses

Esta Cuenta no genera intereses. No se pagarán intereses sobre esta Cuenta.

1.9 Autoridad

You agree that we may honor and rely upon the instructions or the execution, delivery and/or negotiation of any check, substitute check, draft, withdrawal order, instruction or similar instrument (collectively, “items”) or document by any of your authorized agents regardless of the necessity or reasonableness of such action, the circumstances of any transactions affected by such action, the amount of the transaction, the source or disposition of any proceeds and regardless of whether the relevant items or documents result in payment to the authorized agent or an individual obligation of the authorized agent or anyone else. “Authorized agents” include Authorized Users and any person who has signed a signature card, who is authorized by this Agreement, any resolution or otherwise to access or use the Account. It also includes any person who has been permitted by you or another authorized agent to act on your behalf in dealing with us.

You agree that you may not deny the authenticity, validity, binding effect and authorization of any action we take in reliance upon the instructions, items or documents provided by an authorized agent unless you have previously revoked such person’s authority to access or use your Account by emailing us at help@softwrapbank.com and we have confirmed our acceptance of your notice.

1.10 Poder y apoderados

We may allow you to give another person (known as an “attorney-in-fact”) power of attorney to act on your behalf for your Account. You must obtain written approval from us before we will honor any power of attorney. Email us at ayuda@softwrapbank.com for approval if you plan to create a power of attorney. Please be aware that it may take up to two weeks for us to review your request. If approved, we will honor orders and instructions from your attorney-in-fact until (1) we receive a written revocation from you; (2) we are notified that you or your attorney-in-fact have died or become incapacitated; or (3) we terminate our acceptance of the power of attorney. We may terminate our acceptance at any time, for any reason and without notice to you, and you agree not to hold us liable for any damages that may result from such action. You also agree to hold us harmless for any actions we take based on the instructions of your attorney-in-fact, including if it is later determined that your power of attorney was invalid or improperly executed.

1.11 Muerte o Incapacitación

Usted acepta que si recibimos una notificación o si tenemos motivos para creer que usted o cualquier Usuario autorizado ha fallecido o ha quedado legalmente incapacitado, podemos suspender su Cuenta y rechazar todas las transacciones hasta que sepamos y hayamos verificado la identidad de su sucesor. . Hasta que recibamos notificación y cualquier prueba requerida de muerte o incapacidad, podemos continuar aceptando depósitos y procesando transacciones en su Cuenta. Su patrimonio será responsable de pagarnos cualquier obligación tributaria resultante del pago del saldo de su cuenta a su patrimonio. Usted acepta eximirnos de toda responsabilidad por cualquier acción que tomemos en base a nuestra creencia de que ha muerto o ha quedado incapacitado. Si ciertos pagos provenientes de entidades gubernamentales se depositan en su Cuenta después de su muerte, es posible que debamos devolver esos pagos al originador previa notificación.

1.12 Nuestra relación con usted

Al abrir una Cuenta, establecemos una relación de Cuenta con usted y nos comprometemos a actuar de buena fe y a ejercer el cuidado habitual en nuestras relaciones con usted, según lo define el Código Comercial Uniforme adoptado por el Estado de Virginia. Este Acuerdo y la relación de Cuenta no crean una relación fiduciaria ni ninguna otra relación especial entre usted y nosotros.

1.13 Proveedores de servicios externos

We work with one or more third-party service providers, including Unit Finance Inc. (“Unit”), in connection with your Account. Unit may assist us in processing transactions, handing account operations, and providing technological connection to the Program Partner and the Bank. By using your Account, you license and authorize us to access information maintained by Unit and/or other third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. In particular, you agree that Unit may perform any functions on your Account that we are otherwise authorized to perform and that Unit’s access and use of your information will be governed by the terms of Unit’s Privacy Policy, available at https://www.unit.co/clients-privacy-policy .

1.14 Confidencialidad y nuestra política de privacidad

Your privacy is very important to us. Under this Agreement, we will only disclose information about your Account or the transactions you make in accordance with our Privacy Policy, available at https://www.mybrb.com/privacy-policy.html . Unit may also disclose information concerning your Account and transactions that it obtains as a third-party service provider in accordance with its Unit’s Privacy Policy, available at https://www.unit.co/clients-privacy-policy . By opening an Account, you agree to both our and Unit’s privacy policies.

In addition, we disclose your information to Unit in order to facilitate the Account and for other ancillary purposes. You agree to Unit’s use of your information in accordance with the terms of Unit’s Privacy Policy, available at https://www.unit.co/clients-privacy-policy .

1.15 Comunicaciones por teléfono celular

Al proporcionarnos su número de teléfono celular u otro dispositivo inalámbrico, usted acepta expresamente recibir comunicaciones no comerciales en ese número, incluidas, entre otras, llamadas con mensajes de voz artificiales o pregrabados, mensajes de texto y llamadas realizadas por un marcador automático de nuestra parte y de nuestros afiliados y agentes. Este consentimiento se aplica a todos los números de teléfono que nos proporcione ahora o en el futuro. Su proveedor de servicios telefónicos o móviles puede cobrarle por estas llamadas o mensajes. También acepta que podemos grabar o monitorear cualquier comunicación con fines de control de calidad y capacitación.

1.16 Nuestros días hábiles

Nuestros días hábiles son de lunes a viernes, excluyendo los feriados federales.

2. Responsabilidades de su cuenta

Nos esforzamos por mantener su Cuenta segura y brindarle herramientas y servicios para ayudarlo a administrar su Cuenta. Sin embargo, hay ciertas cosas que debe hacer para proteger su Cuenta y sus fondos.

2.1. Notifíquenos si su información cambia

Debe notificarnos de inmediato si hay un cambio en su empresa o nombre comercial, los nombres de cualquier individuo o Usuario autorizado con acceso a su Cuenta, número de teléfono, dirección postal, dirección de correo electrónico o cualquier otra información que nos haya proporcionado para que podamos puede continuar proporcionándole extractos y avisos importantes relacionados con su Cuenta.

2.2. Mantenga un registro de sus transacciones y saldo disponible

It is very important that you keep track of your transactions and the funds in your Account that are available for you to use (“Available Balance”) by reviewing your transaction history. It is also important to understand that your Available Balance may not reflect transactions you have authorized that have not yet been presented to us for payment.

You are also responsible for reviewing your Account statements as they are made available to you for errors or unauthorized activity. If you identify an error or unauthorized activity, you must notify us promptly to avoid losing your money. Please refer to Sections 3.11, 4.5, 4.6, and 5.10 for information concerning errors and unauthorized activity.

2.3. Proteja la información de su cuenta

It is very important that you protect your Account information to prevent unauthorized transactions and fraud. Keep your Account number, debit card, ATM card and statements secure at all times, and be careful about who you share this information with. If the Program Partner provides you with access to Online Banking Services, make sure to also keep your computer or mobile device secure at all times and avoid accessing the Online Banking Services when others can see your screen.

If your Account number, debit card, ATM card, mobile device or Online Banking Services login credentials are lost or stolen, notify us immediately to keep your losses to a minimum. Please refer to Section 4.5 for information and applicable deadlines for notifying us of losses or theft.

3. Reglas generales que rigen su cuenta

Usted comprende que cualquier instrucción de pago o actividad realizada utilizando cualquier Servicio de banca en línea que le proporcione el Socio del programa se considerará autorizada por usted y válida y no tenemos ninguna obligación de investigar la instrucción o actividad.

3.1. Depósitos en su cuenta

Puede realizar depósitos en su Cuenta utilizando cualquiera de estos métodos que se describen a continuación. No le cobramos ninguna tarifa por realizar depósitos.

No aceptamos depósitos en efectivo por correo, ni cheques en papel ni depósitos en moneda extranjera: We are not liable for deposits of any kind that you mail to us, including if it is lost in transit, lost in the mail, or otherwise not received by us.

Dinero en efectivo: We do not accept cash deposits made by mail. If you mail us a cash deposit, we will send the cash back to you.

Cheques en papel: If you mail a paper check to us, including personal or business checks, money orders or cashier’s checks, we may apply the check to any negative balance you may have on your Account or send the check back to you.

Moneda extranjera: We do not accept any deposits in foreign currency. Any deposits received in foreign currency, whether in the form of cash or check, will be sent back to you.

We will send all items back to the address we have for you on file and we are not liable if you do not receive the items.

You may only deposit with us funds that are immediately available, which under applicable law are irreversible and are not subject to any lien, claim or encumbrance.

For more information about deposits and when funds from a deposit will be made available to you, please refer to Section 3.2.

3.2. Nuestra política de disponibilidad de fondos

Es nuestra política hacer que los depósitos realizados en su Cuenta cada día hábil estén disponibles para retiro de acuerdo con la siguiente tabla. El final del día hábil se denomina "hora límite para el depósito". Si realiza un depósito antes de nuestra hora límite en un día hábil en el que estemos abiertos, consideraremos ese día como el día de su depósito. Sin embargo, si realiza un depósito después de nuestra hora límite o en un día en que no abrimos, consideraremos que el depósito se realizará el siguiente día hábil en que estemos abiertos.

* Los depósitos a través de los Servicios de Depósito Móvil no están sujetos a las reglas de disponibilidad de fondos del Reglamento CC.

3.3. Transacciones de crédito ACH y artículo 4A del UCC

Credit given by us with respect to an ACH credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank.  If we do not receive final settlement, you acknowledge and agree that we are entitled to a refund of the amount credited to you in connection with the ACH credit entry, and the party making payment to you via such entry shall not be deemed to have paid you in the amount of such entry.

Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your Account, we are not required to give next day notice to you of receipt of an ACH item and will not do so. However, we will continue to notify you of the receipt of ACH items through your Account statements.

We may accept on your behalf payments to your Account which have been transmitted through one or more Automated Clearing Houses and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the Commonwealth of Virginia, unless otherwise specified in a separate agreement that the law of some other state shall govern.

3.4. Problemas que podrían ocurrir con los depósitos

Si la institución financiera pagadora devuelve o rechaza un depósito o transferencia a su Cuenta por cualquier motivo, o si hay un error o error relacionado con un depósito o transferencia, podemos deducir el monto del depósito, transferencia o error sin previo aviso. aviso para usted. Si no hay fondos suficientes en su Cuenta en ese momento, su Cuenta puede quedar sobregirada. Consulte la Sección 3.12 sobre sobregiros para obtener más información.

3.5. Problemas que podrían ocurrir con los depósitos

Puede transferir fondos de una Cuenta a su nombre a otra cuenta a su nombre que tengamos nosotros y que sea administrada por el Socio del programa (una “transferencia interna”). No hay límites en la cantidad de transferencias internas que puede realizar y las transferencias internas están disponibles de inmediato.

3.6. Retiros de su cuenta

Puede retirar fondos hasta el monto de su Saldo Disponible en su Cuenta utilizando cualquiera de los siguientes métodos.

If you have been issued a debit card or ATM card for your Account, there may also be limitations that apply to your use of the card. Please refer to the applicable cardholder agreement provided to you with your card for information on any applicable limitations and other terms.

You cannot withdraw funds by check, and we do not permit you to create checks drawn on your Account.

Before permitting a withdrawal or other transaction, we may request that you provide us with additional information or documentation that we deem necessary to confirm your identity or to prevent illegal activity. We may refuse the transaction if you do not comply with our request.

3.7. Transferencias hacia o desde cuentas bancarias vinculadas

institution (“linked bank account”) to your Account with us to make inbound and outbound ACH transfers between the linked bank account and your Account through the Online Banking Services. An “inbound transfer” moves funds into your Account from a linked bank account. An “outbound transfer” moves funds from your Account to a linked bank account. We will facilitate transfers to a linked bank account separate and apart from any access we provide you to the ACH Origination Service (see Section 5 below).

For inbound transfers, we will debit your linked bank account and credit your Account with us on the next business day after you initiate the transfer. The funds you transfer to your Account will be made available to you by the fifth (5 ^th ) business day after the funds have been credited to your Account.

For outbound transfers, we will debit your Account with us and credit your linked bank account on the next business day after you initiate the transfer. The financial institution that holds your linked bank account determines when those funds will be made available to you in your linked bank account.

The cut-off time for both inbound and outbound transfers is 3:00 PM ET. Transfer requests that you make on a business day before the cut-off time will be considered initiated on that day. Transfer requests that you make after the cut-off time, or on a day that is not a business day, will be considered initiated the following business day.

There are limits to the dollar amount of both inbound and outbound transfers you can make. Please see sections 3.1 and 3.6.

You agree that you will only attempt to link a bank account for which you have the authority to transfer funds. You also agree to indemnify and hold us harmless from any claims by any business or person related to the linked bank account, including any other owner of the linked bank account. You may only link a bank account that is a deposit account, such as a checking, savings or money market account.

3.8. Prohibición de actividades ilegales, juegos de azar en Internet y derecho a rechazar transacciones

No debe utilizar su Cuenta para ningún propósito ilegal o, independientemente de si es legal o ilegal, para juegos de azar por Internet. Podemos negar cualquier transacción o negarnos a aceptar cualquier depósito que creamos que está relacionado con actividades ilegales, juegos de azar en línea o por cualquier otro motivo a nuestra discreción.

3.9. Cómo publicamos transacciones en su cuenta y determinamos su saldo disponible

3.9.1. Descripción general de publicaciones
To understand how we post transactions to your Account, it is important to first understand the difference between your Available Balance and your ledger balance. Your Available Balance is the amount of money you have in your Account at any given time that is available for you to use. Your ledger balance is the balance in your Account at the beginning of the day after we have posted all transactions to your Account from the day before. We use your Available Balance to authorize your transactions throughout the day and determine whether you have sufficient funds to pay your transactions. Here are some additional terms that are helpful to understand:

Credit and debit – A credit increases your balance and a debit decreases your balance.

Post or posted – Transactions that are paid from or deposited to your Account. Posted transactions will either increase or decrease both your Available Balance and your ledger balance.

Pending – Transactions that we receive notice of and are scheduled to post to your Account. Pending transactions affect your Available Balance, but not your ledger balance.

Card authorization and settlement – When you use a debit card to make a purchase, the transaction occurs in two steps: card authorization and settlement. Card authorizations reduce your Available Balance, but not your ledger balance. Settlement reduces both your Available Balance and your ledger balance. Card authorizations are removed when settlement occurs or after a certain number of days have passed, whichever is sooner. Please see Section 3.9.4 for more information about card authorizations and settlement.
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3.9.2. Orden de publicación
We receive transactions throughout the day and post them to your Account as they are received and in the order that they are received. Note that for debit card transactions, we consider the transaction received when the merchant requests settlement, which may occur several days after you authorize the transaction. See Section 3.9.4 for additional information concerning how debit card transactions are processed.

We may change the order in which we post transactions to your Account at our discretion and without notice to you. It is therefore important for you to keep track of the deposits you make and the transactions you authorize to make sure there are sufficient funds in your Account to cover all transactions and any applicable fees.
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3.9.3. Determinar su saldo disponible
To determine your Available Balance, we start with your ledger balance at the beginning of the business day, add any pending credits or deposits that we make available to you, and subtract any card authorizations and pending debits. All transactions are debited or credited from your Available Balance in the order received.

You may check your available balance via Online Banking Services. Keep in mind that your Available Balance may not reflect every transaction you have initiated or previously authorized. For example, your Available Balance may not include transactions you have authorized that we have not received.
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3.9.4. Autorizaciones de tarjeta de débito
If you are issued a debit card with your Account, you will be able to use your card to pay for goods or services or conduct other transactions with a merchant. When you engage in a transaction with a merchant using your debit card, the merchant will request preauthorization (“card authorization”) for the transaction. If there are sufficient available funds in your Account, we will approve the request and reduce your Available Balance for as long as the card authorization remains on your Account.

Your Available Balance will generally be reduced by the amount of the card authorization.

The card authorization will remain on your Account until the merchant sends us the final amount of the transaction and requests payment (“settlement”). In most cases, If the merchant does not request settlement, or the merchant is delayed in requesting settlement, the card authorization will automatically be removed after 3 days. However, certain merchants such as hotels may hold for a period of up to 7 days.

It is important to understand that the merchant controls the timing of card authorizations or settlement. A merchant may request settlement after the card authorization has been removed from your Account. This means that if you use the funds in your Account after the card authorization has been removed and the merchant later requests settlement, your Account may become overdrawn. A merchant may also request settlement for an amount that is different than the card authorization. Therefore, it is important that you keep track of your transactions and your balance. Once we have approved a card authorization, we cannot stop the transaction and you will be responsible for repaying any negative balance that may occur.

3.10. Declaraciones

Se le proporcionarán estados de cuenta periódicamente por correo electrónico y a través de los Servicios bancarios en línea si su Cuenta no está inactiva. Recibirá un estado de cuenta mensualmente si tiene transacciones en su Cuenta durante el período del estado de cuenta. Si no hubo transacciones en su Cuenta, es posible que no le proporcionemos estados de cuenta o que se los proporcionemos con menos frecuencia. No recibirá estados de cuenta en papel.

3.11. Errores en su cuenta y limitaciones de responsabilidad

You agree to carefully review your statements and promptly report to us any errors or unauthorized activity by email at ayuda@softwrapbank.com within thirty (30) days after we make the statement available to you. Unless otherwise specified in this Agreement or required by law, if you do not provide us with timely notice of an error or unauthorized activity, we will deem our records concerning your Account to be correct and you agree that we will not be liable to you for any loss you suffer relating to the error or unauthorized activity. You further agree that we may debit or credit your Account at any time and without notice to you to correct an error or address unauthorized activity.

In any case, our maximum liability to you will never exceed the amount of actual damages proven by you. Our liability may also be further reduced by the amount of the loss that is caused by your own negligence or lack of care, as well as any recovery of the loss you obtain from third parties. Please refer to Section 4 for additional information concerning errors and unauthorized transactions involving electronic fund transfers and related limitations of liability. There may also be other limitations of liability contained in this Agreement.

3.12. Sobregiros, fondos insuficientes y saldos negativos

No le permitimos sobregirar su Cuenta. Si el Saldo Disponible en su Cuenta no es suficiente para cubrir cualquier transacción que haya autorizado, podemos devolver la transacción o negarnos a procesarla. Sin embargo, puede haber casos en los que su Cuenta aún pueda entrar en números negativos, como si se devuelve un depósito que realizó. Debe realizar un depósito inmediatamente para cubrir cualquier saldo negativo. Si su Cuenta tiene un saldo negativo durante sesenta (60) días calendario o más, podemos cerrar su Cuenta.

3.13. Cierre de su cuenta y suspensiones de cuenta

You can close your Account at any time and for any reason by email at help@softwrapbank.com. We reserve the right to refuse your request if you have a negative balance on your Account. We recommend that you transfer or withdraw any funds you may have in the Account prior to submitting a request to close the Account to avoid delays in receiving your funds.

We may also suspend or close your account at our discretion with or without notice. This includes if we believe you are using your Account for fraudulent or illegal purposes or in violation of law or regulation, this Agreement, any other agreement you may have with us or Unit, or if you otherwise present undue risk to us or Unit. We may also close your Account if you have not made any deposits or withdrawals from your Account in over twelve (12) months. In addition, cancelling your enrollment in the Online Banking Services with the Program Partner will result in our closure of the Account and our return of your funds. We are not responsible to you for any damages you may suffer as a result of the closure or suspension of your Account.

If your Account is closed with a balance greater than $1.00, we will return any funds you may have in the Account to you by ACH transfer to another bank account or by paper check. We reserve the right not to return the funds to you if the balance in your Account is $1.00 or less. The closure of your Account or termination of this Agreement does not impact any right or obligation that arose prior to closure or termination, or any right or obligation that, by its nature, should survive termination (including, but not limited to, any indemnification obligation by you, our limitations of liability, and any terms governing arbitration).

3.14. Inactividad, inactividad y propiedad no reclamada

State law and our policy govern when your Account is considered dormant. Your Account is usually considered dormant if you have not accessed your Account, communicated to us about your Account or otherwise shown an interest in your Account within the period specified under applicable law. Each state has varying laws as to when an account becomes dormant, and we may be required to send the balance in your Account if it becomes dormant to the state of your last known address. We will make reasonable efforts to contact you if required by applicable law before transferring the remaining balance of your Account to the applicable state. After we surrender the funds to the state, you must apply to the appropriate state agency to reclaim your funds. You can avoid the surrender of your funds by simply conducting transactions, contacting us about your Account or replying to any abandoned property notices we may provide to you.

We may also place your Account in an inactive status if you have not had any transaction for at least six (6) months. If your Account becomes inactive, you may not receive statements or be able to conduct certain transactions. Inactive Accounts must be reactivated. Contact us by email at help@softwrapbank.com to reactivate your Account.

3.15. Tarifas de cuenta y lista de tarifas

No hay tarifas asociadas con esta cuenta. Las tarifas están sujetas a cambios en cualquier momento. Le avisaremos con antelación de cualquier cambio cuando lo exija la ley.

4. Transferencias electrónicas de fondos

Su Cuenta le permite retirar fondos hasta el Saldo Disponible o realizar depósitos mediante Transferencias Electrónicas de Fondos (“EFT”). Las EFT son transacciones que se procesan por medios electrónicos e incluyen, entre otras, transferencias ACH, transacciones con tarjeta de débito o cajero automático y depósitos directos. Esta Sección le brinda información y divulgaciones y términos importantes sobre las EFT que están permitidas en su Cuenta. También puede recibir servicios adicionales a través de los Servicios de Banca en Línea proporcionados por el Socio del Programa, que le permiten iniciar EFT hacia y desde su Cuenta que no se describen en este Acuerdo. El socio del programa le proporcionará acuerdos y divulgaciones independientes aplicables a esos servicios.

4.1. Tipos de EFT admitidos por su cuenta

Your Account allows the following types of EFTs:

- Direct deposits from your employer or other source of income
- Transfers to or from your Account to or from a linked bank account (see Section 3.6)
- Transfers to or from your Account to a merchant or other third party by providing the third party with your Account routing number and account number
- Purchases or other transactions using your debit card
- ATM deposits or withdrawals using your debit card or ATM card

4.2. Limitaciones de las EFT

There are limitations on the frequency and number of transactions you can make to or from your Account. These limits are different for each type of transaction. For limits that apply to transactions that credit or deposit funds into your Account, please refer to Section 3.1 concerning deposits. For limits that apply to transactions that debit or withdraw from your Account, please refer to Section 3.6 concerning withdrawals. For limits that apply to transfers to or from your Account from a linked bank account, please refer to Section 3.7. These security-related limits may change from time to time.

If you have been issued a debit card or ATM card for your Account, there may also be transaction limitations that apply to your use of the card. Please refer to the applicable cardholder agreement provided to you with your card for information on any limitations and other terms.

4.3. Documentación de sus transacciones

We will provide you information about each transaction that debits or credits your Account on your statements. Please refer to Section 3.10 for information about statements. You may also be able to view your transaction history and other information through Online Banking Services provided to you by the Program Partner. You may also contact us by email at ayuda@softwrapbank.com , live agent chat, or by phone at 1-442-264-2765 for information concerning your Account or your transactions.

If you are provided with a debit card or ATM card, you can get receipts at the time you make a withdrawal at an ATM or a purchase at a point-of-sale terminal when using your card.

4.4. Transferencias preautorizadas, suspensión de pagos y avisos de montos variables

If you authorize us or another company or person to withdraw from your Account on a regular basis (such as when you sign up for “autopay” to pay a recurring bill or invoice), it is called a Preauthorized Transfer. You may request that we place a stop payment on Preauthorized Transfers, as well as get notification when the amount of a particular withdrawal will be different from the amount of the last withdrawal.

4.4.1. Cómo solicitar una suspensión de pago
If you authorize a third party to take payments from your Account on a regular basis through a Preauthorized Transfer, you can place a stop payment on those payments by contacting by email at help@softwrapbank.com at least three (3) business days before the next payment is scheduled to be made.
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You must provide us with (1) your name, (2) your Account number, (3) the company or person taking the payments, and (4) the date and amount of the scheduled payment you wish to stop. If you want all future payments from that company or person stopped, be sure to tell us that as well. If you do not provide us with the correct information, such as the correct payee or the correct amount of the payment you wish to stop, we may not be able to stop the payment.

4.4.2. Notices of Varying Amounts

If these regular payments vary in amount, the person or company you are paying will tell you ten (10) days before each payment when it will be made and how much it will be. You may be given the option to only get this notice when the payment will differ by more than a certain amount from the previous payment, or when the amount will fall outside certain limits that you set.

4.5. Preguntas sobre sus EFT y cómo informar errores o EFT no autorizadas

You may contact us with questions concerning EFTs that occur on your Account. For questions about card related transactions, contact us at 1-833-333-0417; for all other EFT transactions call us at 1-442-264-2765 or email us at help@softwrapbank.com.
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You may also contact us using those methods to report errors or unauthorized EFTs.  Be sure to contact us immediately if you believe that an error or unauthorized EFT has occurred or may occur concerning your Account, or if your Account, debit card, ATM card or Online Banking Services login credentials have been lost, stolen or compromised. You must contact us no later than thirty (30) days after we sent the FIRST statement on which the error or unauthorized EFT appeared. You must provide us with the following information:

- Tell us your name and Account number.
- Describe the error or the EFT you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
- If you tell us orally, we may require that you send us your complaint or question in writing by email within ten (10) business days.

After receiving your notice of error or unauthorized EFT, we will investigate and provide you with the results and any corrections we make to your Account within a commercially reasonable time.

4.6. Nuestra responsabilidad por no completar una transacción, transacciones no autorizadas o no detener un pago

We will respond to notices of errors or unauthorized EFTs and requests to stop payments in a commercially reasonable manner and time. You agree that in no event will we be liable in an amount exceeding the lesser of five thousand dollars ($5,000) or the actual amount of your loss. You also agree that we will not be liable for any amount of loss that you may incur if you:
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- Do not tell us about an error or unauthorized EFT within thirty (30) days after the first statement showing the error or unauthorized EFT is made available to you; or
- If you do not provide us with the information necessary to place a stop payment on a Preauthorized Transfer in a timely manner.

In addition, we are not liable for any losses you may incur in any of the following circumstances:

- If the Available Balance in your Account is not sufficient to complete the transaction through no fault of ours.
- If the ATM you use does not have enough cash.
- If the failure is due to an equipment or system breakdown, such as a problem with the Online Banking Services provided by the Program Partner, that you knew about before you began a transaction.
- The failure was caused by an Act of God, fire or other catastrophe, or any other cause beyond our control despite reasonable precautions we have taken.
- If your funds are not available due to a hold or if your funds are subject to legal process.
- If we do not complete a transaction because we or Unit has reason to believe the transaction is unauthorized or illegal.
- If your Account is closed or inactive.
- There may be additional exceptions stated in our or Unit’s agreements with you or permitted by law.

5. Transferencias bancarias

La Cuenta puede permitir transferencias bancarias nacionales a través de los Servicios de Banca en Línea que le proporciona el Socio del Programa.

5.1. Tipos de transferencias bancarias admitidas por su cuenta

Your Account may support domestic wire transfers. If wire services are made available to you, your Account will be able to both receive and initiate wire transfers.

We may select any means for the transmission of funds that we consider suitable. We may make use of correspondents, agents, subagents, and funds transfer and communication systems. Such third parties shall be deemed your agents, and we shall not be liable for any errors, delay, misdelivery, or failure of delivery by any of them unless applicable law says otherwise.

We will not be liable for our inability to perform our obligations under this Agreement when such inability arises out of causes beyond our control, including but not limited to, any act of God, accident, labor disputes, power failures, system failure, equipment malfunction, suspension of payment by another bank, refusal or delay by another bank to accept the wire transfer, war, emergency conditions, fire, earthquake, or the failure of any third party to provide any electronic or telecommunication service used in connection with the execution or cancellation of a wire transfer.

5.2. Tipos de transferencias bancarias admitidas por su cuenta

Existen limitaciones en la frecuencia y la cantidad de transacciones que puede realizar hacia o desde su Cuenta. Estos límites son diferentes para cada tipo de transacción. Para conocer los límites que se aplican a las transacciones que acreditan o depositan fondos en su Cuenta, consulte la Sección 3.1 sobre depósitos. Para conocer los límites que se aplican a las transacciones que debitan o retiran de su Cuenta, consulte la Sección 3.6 sobre retiros. Puede haber límites sobre los beneficiarios que pueden recibir una transferencia bancaria que usted inicie desde su Cuenta. Estos límites relacionados con la seguridad pueden cambiar de vez en cuando.

5.3. Horas límite para transferencias bancarias

We have cut-off hours for processing wire transfers. If a wire request is received by 1:00 PM ET on a Business Day and verified through our security procedures outlined in the section below titled “Security Procedures,” funds will be processed the same business day. If it is received after 1:00 PM ET or on a non-Business Day and verified through our security procedures, funds may be processed the next business day.

We may treat any wire transfer request received at or after our cut-off time as if it was received that business day, or we may treat it as if it were received at the opening of the next business day.

5.4. Procedimientos de seguridad

You agree and consent to the use of certain security procedures by us to confirm the validity of the wire transfer request made pursuant to this Agreement. You understand the security procedures are not designed to detect errors in the content of the wire transfer request or to prevent duplicate transfers. Some elements of the procedures will vary, depending upon the method used to initiate a wire transfer. You hereby agree that your utilization of any security procedure established hereunder shall constitute your agreement to its use and affirmative acknowledgment of its commercial reasonableness.

You further agree that any wire transfer request that is acted upon in good faith by us in compliance with these security procedures, whether in fact authorized by you, shall constitute an authorized wire transfer.

5.5. Responsabilidad por transferencias bancarias incorrectas

You are responsible for providing us with the accurate name and account number for wire transfers, and we are responsible for transmitting money to the account number you provided.

When you provide us with a name and account number for us to process a wire transfer, we may make payment solely on the basis of the account number, even if the account number identifies a person different from the beneficiary so named. We or an intermediary bank may send a wire transfer to an intermediary bank or beneficiary's/designated recipient's bank based solely on the bank identifying number, even if the payment order indicates a different name. You should be very careful when providing the account number for a wire transfer.

If you have provided us with the wrong account number, there may be no way to correct the error or retrieve the funds. You agree that you will pay the amount of a wire transfer even in such circumstances. You are responsible for any losses resulting from an incorrect account number or your misidentification of the beneficiary/designated recipient.

If you think a wire transfer is wrong or if you need more information about a wire transfer, you must contact us by email at ayuda@softwrapbank.com as soon as possible and no later than fourteen (14) days after you receive your monthly statement. If you don’t tell us about an error, we will not have any obligation to pay interest on the amount of an unauthorized or erroneous wire transfer for which we are liable, and you will also be liable to us for any damages or losses we may incur.

5.6. Pago

Debe pagarnos el monto de la transferencia bancaria, más las tarifas aplicables, antes de que ejecutemos la solicitud de transferencia bancaria. Consulte la Sección 3.15 de este Acuerdo para conocer las tarifas aplicables a las transferencias bancarias.

5.7. Ejecución de transferencias bancarias

A wire transfer request is considered accepted by us when we execute it. Please refer to Section 5.3 concerning cut-off times for more details. You can verify whether your wire transfer request has been executed by email at ayuda@softwrapbank.com , live agent chat, or phone at 1-442-264-2765 .

We have no responsibility to accept any incoming wire transfer(s) for your benefit. Likewise, we have a right to reject any wire transfer request(s) for an outgoing wire transfer for reasons including, but not limited to, insufficient or uncollected funds in the account specified in the wire transfer request, a request that fails any requires security procedures, our inability to execute the wire transfer for the reasons set out in the section of this agreement entitled method used to make the wire transfer above, or if we are unable to verify the authenticity of the wire transfer request. If we stop a domestic outgoing wire transfer, we will refund the fee.

If we determine, in our sole discretion, not to honor, execute, or accept a wire transfer request, we will make reasonable efforts to notify you. We will also make reasonable efforts to notify you promptly if a wire transfer is returned to us after its execution. In either case, we shall have no liability by reason of our delay or failure to provide you with notice, and we shall have no obligation to resend a wire transfer if we complied with the original wire transfer request and such wire transfer was returned to us.

5.8. Cancelación o modificación de transferencia bancaria

Una vez que recibamos una solicitud de transferencia bancaria, es posible que no podamos cancelarla ni modificarla. Sin embargo, a nuestra discreción, podemos hacer esfuerzos razonables para actuar ante cualquier solicitud de cancelación o enmienda, siempre que el método por el cual se nos notifique una solicitud de cancelación o enmienda cumpla con nuestros procedimientos de seguridad. Sin embargo, no seremos responsables si dicha cancelación o modificación no se ve afectada. Usted acepta indemnizarnos y eximirnos de toda responsabilidad, reclamo, daño, costo y gasto en el que podamos incurrir al intentar cancelar o modificar la transferencia bancaria. cualquier cancelación o modificación de una transferencia bancaria por nuestra parte nos eximirá de cualquier obligación de actuar sobre la solicitud de transferencia bancaria original.

5.9. Nuestra responsabilidad por no completar una transferencia bancaria

Seremos responsables únicamente de realizar el servicio de transferencia bancaria expresamente previsto en este Acuerdo; siempre que, sin embargo, seamos responsables únicamente de nuestra propia negligencia grave o mala conducta intencionada al realizar dicho servicio. No seremos responsables ante ningún tercero ni por ningún acto u omisión suyo o de un tercero, incluidos, entre otros, los terceros utilizados por nosotros para ejecutar una transferencia bancaria o realizar un acto relacionado y ningún tercero será responsable. será considerado nuestro agente. EN NINGÚN CASO SEREMOS RESPONSABLES POR NINGÚN DAÑO DE NINGÚN TIPO, INCLUYENDO, SIN LIMITACIÓN, DAÑOS DIRECTOS, INDIRECTOS, PUNITIVOS, ESPECIALES, INCIDENTALES O CONSECUENCIALES, PÉRDIDA DE GANANCIAS, PÉRDIDAS O GASTOS QUE SURJAN DE O EN RELACIÓN CON EL SERVICIO DE TRANSFERENCIA BANCARIA, INCLUSO SI HAN SIDO INFORMADOS DE LA POSIBILIDAD DE QUE OCURRA EL MISMO. Salvo que la ley aplicable disponga lo contrario, el período máximo durante el cual seremos responsables de los intereses sobre cualquier monto que se le deba reembolsar o pagarle con respecto a una solicitud de transferencia bancaria no autorizada, errónea o de otro tipo es de treinta días.

5.10. Su responsabilidad por transferencias bancarias no autorizadas

Salvo que la ley disponga lo contrario, usted será responsable de cualquier pérdida o daño al que contribuyó su negligencia o que resultó en actos no autorizados, fraudulentos o deshonestos por parte de sus representantes autorizados actuales y/o anteriores. Dicha responsabilidad incluye casos en los que un representante autorizado actual o anterior realiza una o más transferencias bancarias o el uso indebido de procedimientos de seguridad telefónica para efectuar una transferencia bancaria en su perjuicio.

5.11. Cumplimiento de las regulaciones contra el lavado de dinero y de control cambiario y las sanciones impuestas por la OFAC

You agree to observe all Anti-Money Laundering and Exchange Control laws and regulations including economic and trade sanctions promulgated by the Office of Foreign Assets Control of the U.S. Department of Treasury in relation to any wire transfer, and you will use all reasonable endeavors to assist us to do likewise. You agree that the information given to us by you is accurate. We may disclose any information given to us that we in our sole discretion think necessary or desirable to disclose; except we will only disclose confidential information if required by law, a court, or legal, regulatory, or governmental authority, or as permitted by law to combat, prevent, or investigate issues arising under anti-money laundering laws, economic sanctions, or criminal law.

Sometimes legal, regulatory, or governmental authorities require additional information, either in respect of individuals, entities, or certain transactions. You agree to promptly supply all such information, which any such authority may require, and/or which we may be required to supply, in relation to the individual, entity, or particular transaction.

If you, or your authorized representative, breach any such laws or regulations, you irrevocably agree that we may retain any monies or funds transmitted to us pursuant to this Agreement and/or not fulfill any wire transfer request if we are required to take or refrain from such action by any legal, regulatory, or governmental authority or if we reasonably believe that such action may violate any laws or regulations described herein, and such monies shall not bear interest against us. You further agree that we may pay such monies to the appropriate legal, regulatory, or governmental authority, if and when required by law.

6. Depósitos de cheques y servicios de depósito móvil

You can only deposit checks into the Account using the mobile deposit capture services (the “MDC Services,” as further described herein) and in accordance with the terms of this Agreement. The MDC Services allow you to make deposits to your Account from a compatible mobile device by scanning or photographing checks and delivering the images and associated deposit information to us or our designated processor. By using the MDC Services, you agree to comply with all applicable laws and regulations and National Automated Clearing House Association (NACHA) rules that apply to remote deposit check capture processing and ACH transaction processing.

As defined in the Check Clearing for the 21st Century Act (“Check 21”), a “check” is a draft, payable on demand and drawn on or payable through or at an office of a bank, whether or not negotiable, that is handled for forward collection or return, including substitute checks (see Section 6.1.1) and travelers checks.

6.1. Cheques sustitutos y sus derechos

Federal rules for Check 21 allow banks to replace original checks with “substitute checks,” as defined in Check 21. Below are the details and your rights related to substitute checks.

6.1.1. Cheques sustitutos
To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

6.2. Elegibilidad para utilizar los servicios del MDC

Accountholders adhering to all requirements described herein may be eligible to use the MDC Services. Not all Accounts are eligible for the MDC Services. We may terminate your use of the MDC Services at any time at our sole discretion. You may also stop using the MDC Services at any time. However, any images or information transmitted through your use of the MDC Services shall continue to be subject to this Agreement after termination. We may change our eligibility criteria at any time with or without notice to you.

To use the MDC Services, you must 1) have a mobile device w/built-in camera 2) be able to access the Services on iOS, Android or Mobile Web and 3) be enrolled in the Online Banking Service. The MDC Services are not compatible with desktop or laptop computers.

6.3. Artículos elegibles

Usted acepta que las únicas imágenes que escaneará o capturará y depositará (“transmitirá”) a su Cuenta mediante el uso de los Servicios de MDC serán Artículos elegibles. Los “Artículos elegibles” incluyen artículos en papel que se definen como “cheques” o “cheques certificados” según la Regulación CC de la Reserva Federal y otros artículos en papel que no están prohibidos por este Acuerdo. Usted acepta que las imágenes consideradas Artículos no elegibles (consulte la Sección 6.4) no podrán transmitirse a su Cuenta y serán rechazadas por nosotros. Además, acepta que la imagen del Artículo elegible que se nos transmita se considerará un "artículo" en el sentido adoptado en el Código Comercial Uniforme de Virginia de su Cuenta.

6.4. Artículos no elegibles

You agree you will not use the MDC Services to scan or deposit images of items that:

- are not payable in United States currency;
- are not drawn on a financial institution located in the United States;
- are payable to someone other than you;
- are money orders, savings bonds, or traveler’s checks;
- are checks authorized over the telephone and created remotely;
- are images of a check that never existed in paper form;
- must be authorized or activated by us prior to being deposited;
- have already been deposited by or returned to you;
- are not legible or do not conform to our standards, as determined in our sole discretion;
- are fraudulent, not authorized, suspicious or not likely to be honored;
- are not dated, are post-dated, or are more than 6 months old when transmitted;
- do not comply with the requirements established from time to time by any applicable statute, regulation, regulatory agency, clearing house or association;
- we deem to be Ineligible Items herein or at any other time, with or without prior notice to you;
- do not comply with the requirements of your Account Agreement; or
- do not meet the Technical Requirements described in Section 6.5).

These items, collectively, are “Ineligible Items” under this Agreement, and they are not eligible for deposit into your Account via the MDC Services.

6.5. Captura, Transmisión, Procesamiento y Pago de Imágenes

All images you transmit to us using the MDC Services must comply with the technical requirements we may specify from time to time (the “Technical Requirements”). You are responsible for all expenses you incur to meet the Technical Requirements. We reserve the right to change the Technical Requirements at any time without prior notice.

You are responsible for reviewing and validating the accuracy and completeness of any information you transmit to us, including but not limited to the amount indicated on the item and the legibility of the image transmitted. You will only submit check images that meet our quality standards. You will not transmit an image or images of the same check to us more than once and will not deposit or negotiate, or seek to deposit or negotiate, such check or item with us or any other party.

You shall be solely responsible for ensuring the quality, accuracy and completeness of the images you transmit using the MDC Services. You shall be solely responsible for the selection, use and operation of the mobile device you use to transmit images.

We can attempt to process, collect, present for payment, return or re-present images you attempt to transmit in any way we choose that is allowed by law.

We can also reject any transmission for any reason at our option and without liability. An image shall be deemed received when you receive a confirmation from us that we have received the image. Receipt of such confirmation does not mean that the transmission was an Eligible Item or accepted.

If an image does not meet our requirements, we can also at our option:
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- process the image as received for payment;
- correct the image or its accompanying data and process the corrected image for payment;
- process the deposit for payment in another format as allowed; or
- debit (chargeback) your Account for the amount indicated in the image.

Successfully transmitting an image to us does not mean that your transmission and deposit are complete. All of your images are subject to our further verification prior to being accepted for deposit and payment. Do not destroy the item transmitted as an image until you see the full deposit amount posted when you view your transaction history via the Online Banking Services.

6.6. Límites para los servicios del MDC

Puede haber limitaciones en la frecuencia y la cantidad de transacciones que puede realizar utilizando los Servicios de MDC. Consulte la Sección 3.1 sobre limitaciones de depósito para obtener información sobre las limitaciones de transacciones que se aplicarán a su uso de los Servicios de MDC.

6.7. Endosos requeridos en los artículos que usted deposita y administración del artículo original

When you transmit an image to us, you will still have possession of the original item. To prevent an additional submission of the item for payment, you are required take the following steps:

- Before you transmit an image to us, you must endorse the original item being captured for transmission by signing the back of the original item and writing the words “For deposit only at Blue Ridge Bank, N.A.” either above or below your signature.
- After you transmit the image to us, you should write the date and the words “Deposited by MDC” on the front of the item and keep the original item in a safe place.

You should not deposit or attempt to cash the item after transmitting the image to us.

6.8. Disponibilidad de sus depósitos utilizando los servicios de MDC

Usted reconoce que los elementos transmitidos utilizando los Servicios de MDC no están sujetos a las reglas de disponibilidad de fondos contenidas en el Reglamento CC. Los fondos depositados utilizando los Servicios de MDC normalmente estarán disponibles para su retiro dentro de los cinco (5) días hábiles posteriores al día en que realiza su depósito. Consulte la Sección 6.9 para obtener información sobre cómo determinamos el día en que se realiza su depósito. Es posible que dichos fondos estén disponibles tarde o temprano según la duración y el alcance de su relación con nosotros, la información sobre transacciones y experiencias, y otros factores relacionados con la seguridad y el riesgo que, a nuestro exclusivo criterio, consideremos relevantes.

6.9. Horas límite para depósitos utilizando los servicios del MDC

Si nos transmite con éxito una imagen antes de la hora límite de la Cuenta en un día hábil en el que estemos abiertos, consideraremos ese día como el día de su depósito. Consulte la Sección 3.2 para obtener información sobre los horarios límite. Después de esa hora o en un día que no estemos abiertos, consideraremos que el depósito se realizará el siguiente día hábil en que estemos abiertos.

6.10. Errores

Usted acepta notificarnos cualquier sospecha de error relacionado con los elementos transmitidos a través de los Servicios de MDC de inmediato y, en ningún caso, más tarde de sesenta (60) días después de que el primer estado de cuenta en el que aparece el error esté disponible para usted. A menos que nos notifique un error dentro de los sesenta (60) días posteriores a que el estado de cuenta correspondiente esté disponible para usted, todos los depósitos realizados a través de los Servicios de MDC que aparecen en ese estado de cuenta se considerarán correctos y no tendremos obligación de investigar ningún reclamo. de error que cometas.

6.11. Contracargo

We can chargeback your Account or any other deposit account you have with us for the amount of any item, its image or any other representation of an item that is:

- returned to us; or
- is rejected by us for any reason, including when we believe it has been previously submitted or deposited with us or with anyone else.

This is true even if you have made withdrawals against any amount we have credited to your Account for the deposited item that was returned or rejected.

We can also charge fees connected to the chargeback as described in your Account Agreement and any other agreements you have with us.

6.12. Honorarios

If your mobile device is lost or stolen, or if you believe there has been unauthorized activity involving the MDC Services, tell us immediately by emailing ayuda@softwrapbank.com or calling 1-442-264-2765 and promptly change your password.

6.13. Seguridad

You are responsible for protecting your mobile device against unauthorized use as well as any losses and damages from unauthorized access. You will protect your mobile device, set up strong passwords and take other reasonable security precautions to protect your mobile device from unauthorized use. Always keep your passwords secret and remember that neither we nor any of our employees or agents will ever ask for your password. If you receive a communication from anyone requesting that you provide your password, do not respond. We are not responsible or obligated for any of these security precautions. If another person uses the MDC Services with your mobile device, you will be responsible for their actions on the Account as well as anyone else they allow to use your mobile device. This will be true even if you did not want, or agree to, their use.

If your mobile device is lost or stolen, or if you believe there has been unauthorized activity involving the MDC Services, tell us immediately by emailing ayuda@softwrapbank.com or calling 1-442-264-2765 and promptly change your password.

6.14. Interrupción de los servicios del MDC

Es posible que los Servicios MDC no estén disponibles de vez en cuando debido a mantenimiento, problemas técnicos u otros motivos. No somos responsables si los Servicios del MDC no están disponibles. No podemos asumir responsabilidad por ninguna dificultad técnica o de otro tipo ni por ningún daño resultante en el que pueda incurrir. Nos reservamos el derecho de cambiar, suspender, discontinuar o limitar su uso de los Servicios de MDC, total o parcialmente, inmediatamente y en cualquier momento sin previo aviso.

6.15. Propiedad y licencia

You agree that we retain all ownership and proprietary rights in the MDC Services, associated content, technology, and website(s). Your use of the MDC Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the MDC Services. Without limiting the restriction of the foregoing, you may not use the MDC Services:

- in any anti-competitive manner;
- for any purpose which would be contrary to our business interests (as deemed by us in our sole discretion); or
- to our actual or potential economic disadvantage in any aspect.

6.16. Indemnización y limitación de responsabilidad

You agree to indemnify, defend, and hold us, and any of our services providers responsible for administering the MDC Services, harmless from any losses incurred from (1) your breach of the Agreement, (2) a return of a check deposit made using the MDC Services due to incomplete or incorrect information provided, a closed account, or insufficient funds, and (3) fraudulent activity.

YOU AGREE YOUR USE OF THE MDC SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES, INCLUDING OUR SERVICE PROVIDERS) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE WILL (i) MEET YOUR REQUIREMENTS, (ii) BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR (iii) PROVIDE ACCURATE OR RELIABLE RESULTS.

You agree that neither we nor any service provider we use to facilitate the MDC Services will be liable for any direct, indirect, incidental, special, consequential, exemplary or punitive damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other losses resulting from the use or the inability to use the Service incurred by you or any third party arising from or related to the use of, inability to use, or the termination of the use of the MDC Services, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if we have been informed of the possibility thereof.

6.17. Terminación

Podemos cancelar su acceso a los Servicios de MDC por cualquier motivo o sin él, incluso debido a su incumplimiento sustancial de este Acuerdo, sus acciones u omisiones fraudulentas con respecto a su uso de los Servicios de MDC, si se declara insolvente o se declara en quiebra, o si hay un cambio en las Reglas que rigen su uso de los Servicios de MDC.

6.18. Beneficiario tercero

Usted reconoce y acepta que cualquier proveedor de servicios externo que facilite su uso de los Servicios de MDC es un tercero beneficiario de este Acuerdo y que el proveedor de servicios externo tiene derecho a hacer cumplir directamente sus obligaciones de este Acuerdo en su contra.

7. Otros términos y condiciones legales

7.1. Sin asignaciones

Su Cuenta y sus obligaciones bajo este Acuerdo no son transferibles ni asignables como garantía para un préstamo o para cualquier otro propósito. Podemos transferir nuestros derechos bajo este Acuerdo.

7.2. Procesos legales y reclamos que afectan su cuenta

Si recibimos un embargo, un embargo u otro proceso legal en su contra (colectivamente, “Proceso Legal”), podemos negarnos a permitir retiros o transferencias de su Cuenta hasta que se desestime o se cumpla el Proceso Legal. Cualquier Proceso Legal estará sujeto a nuestro derecho de compensación y garantía mobiliaria. Usted es responsable de cualquier pérdida, costo o gasto en el que incurramos como resultado de cualquier disputa o procedimiento legal que involucre su Cuenta. Si recibimos un reclamo contra los fondos en su Cuenta, o si sabemos o creemos que existe una disputa en cuanto a la propiedad o el control de los fondos en su Cuenta, podemos, a nuestra discreción: (1) suspender su Cuenta y negarnos a pagar fondos hasta que estemos satisfechos de que se resolvió la disputa; (2) cerrar su Cuenta y enviar el saldo al titular de la cuenta designado; (3) requerir una orden judicial para actuar; o (4) tomar cualquier otra acción que consideremos necesaria para protegernos. No seremos responsables ante usted por tomar dicha acción.

7.3. Limitación de responsabilidad y exención de responsabilidad de garantía

EXCEPT AS REQUIRED BY LAW, WE ARE NOT LIABLE FOR ANY CLAIMS, COSTS, LOSSES, OR DAMAGES RESULTING DIRECTLY OR INDIRECTLY FROM OUR FAILURE TO ACT, OR ANY DELAY BEYOND TIME LIMITS PRESCRIBED BY LAW OR PERMITTED BY THIS AGREEMENT IF SUCH FAILURE OR DELAY IS CAUSED BY MAINTENANCE OR INTERRUPTION OR MALFUNCTION OF EQUIPMENT OR COMMUNICATION FACILITIES, UNUSUAL TRANSACTION VOLUME, SUSPENSION OF PAYMENTS BY ANOTHER FINANCIAL INSTITUTION, FIRE, NATURAL DISASTERS, ELEMENTS OF NATURE, GOVERNMENT ACTION, ACTS OF WAR, TERRORISM OR CIVIL STRIFE, EMERGENCY CONDITIONS, OR OTHER CIRCUMSTANCES BEYOND THE REASONABLE CONTROL OF BLUE RIDGE BANK, N.A. EXCEPT AS REQUIRED BY LAW, OUR LIABILITY TO YOU FOR A CLAIM IS LIMITED TO THE FACE VALUE OF THE ITEM OR TRANSACTION, OR THE ACTUAL VALUE OF ANY FUNDS NOT PROPERLY CREDITED OR DEBITED. IN NO EVENT WILL WE OR UNIT BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT AS REQUIRED BY LAW AND NOTWITHSTANDING ANYTHING TO THE CONTRARY, WE SHALL ONLY BE RESPONSIBLE AND LIABLE FOR OUR OWN GROSS NEGLIGENCE OR WILLFUL MISCONDUCT IN PERFORMING OUR OBLIGATIONS UNDER THIS AGREEMENT. WE SHALL NOT BE LIABLE TO ANY THIRD PARTY OR FOR ANY ACT OR OMISSION OF YOURS OR ANY THIRD PARTY, INCLUDING, BUT NOT LIMITED TO, THIRD PARTIES USED BY US IN EXECUTING ANY TRANSACTION CONTEMPLATED BY THIS AGREEMENT OR PERFORMING A RELATED ACT AND NO SUCH THIRD PARTY SHALL BE DEEMED TO BE OUR AGENT.

IN ADDITION, EXCEPT AS REQUIRED BY LAW, BLUE RIDGE BANK, N.A. IS NOT LIABLE OR RESPONSIBLE FOR ANY SERVICES OR FEATURES OF ANY ONLINE BANKING SERVICES PROVIDED TO YOU BY SOFTWRAP TECHNOLOGIES, INC. WE ARE ALSO NOT LIABLE FOR ANY UNAUTHORIZED ACCESS OF YOUR INFORMATION OR DATA BY A THIRD PARTY DUE TO YOUR USE OF THIRD-PARTY COMMUNICATION CHANNELS NOT OFFERED BY US.

ALL BANK SERVICES AND ACCOUNT FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THE BANK’S SERVICES OR ACCOUNT FEATURES WILL MEET YOUR REQUIREMENTS, BE CONTINUOUS, UNINTERRUPTED, SECURE, TIMELY, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

7.4. Indemnización

You agree to indemnify and hold us and our officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, parents, subsidiaries and/or insurers harmless for any losses, damages, suits and expenses, including reasonable attorneys’ fees, that we may incur, without regard to the merit or lack thereof, arising out of, or related in any way to (1) the matters set forth herein; (2) our taking any action or not taking any action that we are entitled to take pursuant to this Agreement; (3) any action or omission by you; or (4) our action or inaction in reliance upon oral, written or electronic instructions or information from you.
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Equally, you agree to indemnify and hold Unit and its officers, directors, shareholders, employees, successors, predecessors, representatives, principals, agents, assigns, parents, subsidiaries and/or insurers harmless for any losses, damages, suits and expenses, including reasonable attorneys’ fees, that we may incur, without regard to the merit or lack thereof, arising out of, or related in any way to (1) the matters set forth herein; (2) our taking any action or not taking any action that we are entitled to take pursuant to this Agreement; (3) any action or omission by you; or (4) our action or inaction in reliance upon oral, written or electronic instructions or information from you.

7.5. Nuestro derecho de compensación y garantía real

We have the right to set-off any liability, direct or contingent, past, present or future that you owe against any account you have with us. This means that we can take any funds in your Account or any other account you have with us to pay any debt or liability you owe us. You also agree to grant us a security interest in your Account to secure payment of any money that you owe to us or will owe us arising under this Agreement or any other agreements with us. You acknowledge that this security interest is consensual and in addition to any right of set-off. We may exercise our security interest or right of set-off without regard to the source of the funds in your Account or prior recourse to other sources of repayment or collateral, even if it causes you to incur penalties or suffer any other consequence. You waive any conditions or limits to our right of set-off to the maximum extent permitted by law. We will notify you if we exercise our right to set-off if required by law.

If we take any action to collect debt incurred by you or other amounts you owe us under this Agreement or defend ourselves in a lawsuit brought by you where we are the prevailing party, you agree to reimburse us for our losses, including, without limitation, reasonable attorneys’ fees, to the extent permitted by applicable law. We may charge your Account for our losses without prior notice to you.

7.6. Cambios en los términos y servicios adicionales

We may change this Agreement, or any fees and features of your Account, at any time by posting an amended Agreement on the Program Partner's website, https://softwrapbank.com , and any such amendment shall be effective upon posting. We will give you advance notice of any change where required by law. We may provide such notice to you with your statement, electronically, or by mail. Any notice we provide to you will be binding and sent to the last (postal or electronic) address in our records. We may change your address if we receive an address change notice from the U.S. Postal Service. We may change or terminate this Agreement without notice at our discretion or to comply with any appropriate federal or state law or regulation.

If we make any of our other banking services available to you in connection with your Account, we may provide certain terms and conditions for those additional services to you in a separate agreement or disclosure.

7.7. Sin renuncia de derechos

We may waive or decline to enforce any of our rights under this Agreement without obligating ourselves to waive such rights in the future or on any other occasion. We may release any other person obligated under this Agreement without affecting your responsibilities under this Agreement.

7.8. Conflictos y títulos de sección

If there is a conflict between this Agreement and any other document or statement made to you concerning the Account, this Agreement will govern. If there is a conflict between this Agreement and any other document or statement made to you concerning any services or products other than the Account, the separate terms and conditions applicable to that service or product will govern. Section headings that appear in this Agreement are for convenience purposes only and are intended to help you find information. They should not be construed as affecting the meaning of the Agreement.

7.9. Divisibilidad

If any court or tribunal of competent jurisdiction determines that any provision of this Agreement is illegal, invalid or unenforceable, the remainder of this Agreement shall not be affected. To the extent permitted by law, the parties waive any provision of law which prohibits or renders unenforceable any provisions of this Agreement, and to the extent that such waiver is not permitted by law, you and us agree that such provision will be interpreted as modified to the minimum extent necessary to render the provisions enforceable.

7.10. Ley aplicable, foro y plazos

All actions relating to your Account and this Agreement will be governed by the laws and regulations of the United States and the Commonwealth of Virginia where your Account will be opened, irrespective of conflict of law principles. You agree that any dispute arising under this Agreement or relating in any way to your relationship with us that is not arbitrated will be resolved in a federal or state court located in Virginia and that you will be subject to such court’s jurisdiction.

Except where prohibited by law, you agree that you must file any lawsuit or arbitration against us within two (2) years after the claim arises unless federal or Virginia law, or another agreement you have with us, provides for a shorter time. If federal or Virginia law requires a longer period than the periods in this Agreement, you agree to the shortest period permitted under the law.

8. Arbitraje y Renuncias

ASEGÚRESE DE HABER LEÍDO ESTA DISPOSICIÓN DETENIDAMENTE Y DE COMPRENDER QUE LIMITA SUS DERECHOS EN CASO DE UNA DISPUTA ENTRE USTED Y NOSOTROS.

8.1. Elección para arbitrar

Usted, SoftWrap LLC y el Banco acuerdan que el único y exclusivo foro y recurso para la resolución de un Reclamo será el arbitraje final y vinculante de conformidad con esta Sección 7 (la “Disposición de Arbitraje”). Tal como se utiliza en esta Disposición de Arbitraje, “Reclamación” incluirá cualquier reclamación, disputa o controversia pasada, presente o futura que lo involucre a usted (o a las personas que reclaman a través de usted o relacionadas con usted), por un lado, y a nosotros, por el otro. relacionados con este Acuerdo o que surjan de él, y/o las actividades o relaciones que involucran, conducen a o resultan de este Acuerdo, incluida la validez o aplicabilidad de esta Disposición de Arbitraje, cualquier parte de la misma o el Acuerdo completo. Las reclamaciones están sujetas a arbitraje independientemente de si surgen de un contrato; agravio (intencional o no); una constitución, estatuto, derecho consuetudinario o principios de equidad; o de otro modo. Las reclamaciones incluyen asuntos que surgen como reclamaciones iniciales, contrademandas, contrademandas, reclamaciones de terceros o de otro tipo. Tenga en cuenta que puede continuar presentando Reclamaciones en un tribunal de reclamos menores, si sus Reclamaciones califican y siempre y cuando el asunto permanezca en dicho tribunal y avance solo de manera individual (no colectiva, no representativa). Se debe dar al alcance de esta Disposición de Arbitraje la interpretación más amplia posible que sea ejecutable.

8.2. Aplicabilidad de la Ley Federal de Arbitraje; Poderes del árbitro

Esta Disposición de Arbitraje se establece de conformidad con una transacción que involucra comercio interestatal y se regirá y será ejecutable conforme a la Ley Federal de Arbitraje (la “FAA”). El árbitro aplicará el derecho sustantivo de conformidad con la FAA y los estatutos de prescripción aplicables. El árbitro podrá otorgar daños y perjuicios u otros tipos de compensación permitida por la ley sustantiva aplicable, sujeto a las limitaciones establecidas en esta Disposición de Arbitraje. El árbitro no estará obligado por las reglas judiciales de procedimiento y prueba que se aplicarían en un tribunal. El árbitro deberá tomar medidas para proteger razonablemente la información confidencial.

8.3. Resolución informal de disputas

If a Claim arises, our goal is to address your concerns and, if we are unable to do so, to provide you with a neutral and cost-effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you will first submit your Claim to us by email at ayuda@softwrapbank.com and provide us with the opportunity to resolve your concern prior to initiating arbitration.

8.4. Procedimientos de arbitraje

The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may call 1(800) 778-7879 or visit the AAA's web site at: www.adr.org . If you have any questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit their web site at: www.jamsadr.com . In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. The arbitration will be held in the United States county where you live or work, or any other location we agree to.

8.5. Honorarios de arbitraje

Si iniciamos el arbitraje, pagaremos todos los costos de presentación y honorarios administrativos del administrador (aparte de los honorarios de audiencia). Si inicia el arbitraje, los costos de presentación y los honorarios administrativos (aparte de los honorarios de audiencia) se pagarán de acuerdo con las reglas del administrador seleccionado, o de acuerdo con la ley compensatoria si es contraria a las reglas del administrador. Pagaremos los honorarios de audiencia del administrador por un día completo de audiencias de arbitraje. Los honorarios de las audiencias que excedan un día serán pagados por la parte que solicita la audiencia, a menos que las reglas del administrador o la ley aplicable requieran lo contrario, o usted solicite que los paguemos y aceptemos hacerlo. Cada parte correrá con los gastos de los honorarios de sus propios abogados, salvo disposición en contrario de la ley. Si un estatuto le otorga el derecho a recuperar cualquiera de estos honorarios, estos derechos legales se aplicarán en el arbitraje sin perjuicio de cualquier disposición en contrario en este documento.

8.6. Apelaciones

Dentro de los 30 días posteriores al laudo final del árbitro, cualquier parte puede apelar el laudo para su reconsideración por parte de un panel de tres árbitros seleccionados de acuerdo con las reglas del administrador del árbitro. En caso de tal apelación, cualquier parte contraria podrá contraapelar dentro de los 30 días siguientes a la notificación de la apelación. El panel reconsiderará de novo todos los aspectos del laudo inicial que sean apelados. Los costos y la conducción de cualquier apelación se regirán por esta Disposición de Arbitraje y las reglas del administrador, de la misma manera que el procedimiento de arbitraje inicial. Cualquier laudo del árbitro individual que no esté sujeto a apelación, y cualquier laudo del panel en apelación, será definitivo y vinculante, excepto cualquier derecho de apelación conforme a la Ley Federal de Arbitraje (“FAA”), y podrá presentarse como sentencia en cualquier tribunal de jurisdicción competente.

8.7. Sin acciones colectivas

NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT.
Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section 7.7, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this Section 7.7 shall be determined exclusively by a court and not by the administrator or any arbitrator.

8.8. Supervivencia y divisibilidad de la disposición de arbitraje

Esta Disposición de Arbitraje sobrevivirá a la terminación de este Acuerdo. Si cualquier parte de esta Disposición de Arbitraje distinta de la Sección 7.7 se considera inválida o inaplicable, las partes restantes de esta Disposición de Arbitraje seguirán siendo válidas y vigentes. Si existe una determinación judicial final de que la ley aplicable impide la aplicación de las limitaciones de esta Disposición de Arbitraje en cuanto a un reclamo particular de compensación o un término particular, entonces ese reclamo (y solo ese reclamo) o ese término (y solo ese término) debe ser separado de la Disposición de Arbitraje y puede ser llevado ante el tribunal. Si se inicia un arbitraje de forma colectiva, representativa o colectiva, y las limitaciones de dichos procedimientos en la Sección 7.7 finalmente se deciden de conformidad con la última oración de la Sección 7.7 como inaplicables, entonces no se realizará ningún arbitraje. En ningún caso se considerará que una invalidación autoriza a un árbitro a determinar Reclamaciones o emitir laudos más allá de los autorizados en esta Disposición de Arbitraje.

8.9. Foro Judicial de Reclamaciones

Salvo que la ley aplicable exija lo contrario, si se determina que esta Disposición de arbitraje no se aplica a usted o a su Reclamación, usted y el Banco acuerdan que cualquier procedimiento judicial (que no sean acciones de reclamos menores) se iniciará en los tribunales federales o estatales del país. Mancomunidad de Virginia. Tanto usted como el Banco aceptan el lugar y la jurisdicción personal allí. Ambos aceptamos renunciar a nuestro derecho a un juicio con jurado.

8.10. RENUNCIA AL DERECHO A LITIGAR

LAS PARTES RECONOCEN QUE TIENEN DERECHO A LITIGAR RECLAMACIONES A TRAVÉS DE UN TRIBUNAL ANTE UN JUEZ O JURADO, PERO POR EL PRESENTE RENUNCIAN A ESE DERECHO, A SABIENDAS Y VOLUNTARIAMENTE, AL ACEPTAR ESTE ACUERDO Y DISPOSICIÓN DE ARBITRAJE.