ソフトラップ預金口座契約書

1. アカウントの概要

1.1 お問い合わせ方法

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 help@softwrapbank.com . You may also contact us by live agent chat. Agents are available 24/7, 365 days a year.

1.2 アカウントの種類と資格

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 アカウントへのオンラインまたはモバイル アクセス

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 ペーパーレスアカウント

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 許可されたユーザー

お客様には、お客様のアカウントへのアクセスおよび/またはアカウントを介した取引の実行を許可する追加の個人 (「認定ユーザー」) を指定する権限が与えられる場合があります。正規ユーザーを確立することにより、お客様は、正規ユーザーが行うアカウントに関する取引の承認、指示、またはその他の行為がお客様によって承認され有効であるとみなされ、当社にはその承認、指示、または活動を調査する義務がないことを理解するものとします。また、お客様は、そのような許可、指示、活動に基づいて行動することに対して当社が責任を負わないことにも同意するものとします。当社は、お客様が help@softwrapbank.com 宛ての電子メールで当社に通知することにより、お客様のアカウントへの正規ユーザーのアクセスを取り消すまで、正規ユーザーによって行われたすべてのアクションをお客様が許可したものとして扱い続けます。また、当社は、理由の如何を問わず、事前の通知なしに、認定ユーザーのアカウントへのアクセスを終了する権利を留保します。

1.6 アカウントの開設方法

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.

新規口座開設手続きに関する重要なお知らせ： 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 最低入金額と残高

アカウントを開設するために必要な最低入金額や、アカウントで維持する必要のある最低残高はありません。

1.8 利息の開示

この口座には利息はつきません。この口座には利息は支払われません。

1.9 権限

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 委任状および代理人

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 help@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 死亡または無力化

当社が通知を受け取った場合、またはお客様または認定ユーザーが死亡または法的に無能力になったと信じる理由がある場合、お客様の後継者の身元を確認し確認するまで、当社がお客様のアカウントを保留し、すべての取引を拒否する場合があることにお客様は同意します。 。通知と死亡または無能力の必要な証拠を受け取るまで、当社は引き続き入金を受け入れ、お客様のアカウントへの取引を処理することがあります。あなたの遺産への口座残高の支払いから生じる税金の支払いは、あなたの遺産が当社に返済する責任があります。あなたは、あなたが死亡した、または無能力になったという当社の信念に基づいて当社がとったいかなる行動についても、当社を免責することに同意するものとします。政府機関からの特定の支払いがお客様の死亡後にお客様のアカウントに入金された場合、当社は通知の上、それらの支払いを差出人に返還するよう求められる場合があります。

1.12 お客様と当社の関係

アカウントを開設することにより、当社はお客様とのアカウント関係を確立し、バージニア州で採用されている統一商法に定義されているように、誠実に行動し、お客様との取引において通常の注意を払うことを約束するものとします。本契約およびアカウント関係は、お客様と当社との間に受託者関係またはその他の特別な関係を構築するものではありません。

1.13 サードパーティのサービスプロバイダー

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 機密保持と当社のプライバシーポリシー

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 携帯電話通信

携帯電話またはその他の無線デバイスの電話番号を当社に提供することにより、お客様は、その番号で非マーケティング通信 (事前に録音されたまたは人工音声メッセージによる通話、テキスト メッセージ、および第三者による通話を含みますがこれらに限定されません) を受信することに明示的に同意することになります。当社および当社の関連会社および代理店からの自動ダイヤル。この同意は、現在または将来、お客様が当社に提供するすべての電話番号に適用されます。電話またはモバイル サービス プロバイダーは、これらの通話またはメッセージに対して料金を請求する場合があります。また、品質管理およびトレーニングの目的で、当社があらゆる通信を記録または監視する場合があることにも同意するものとします。

1.16 当社の営業日

当社の営業日は、連邦祝日を除く月曜日から金曜日です。

2. アカウントの責任

当社はお客様のアカウントを安全に保ち、アカウントの管理に役立つツールとサービスを提供するよう努めています。ただし、アカウントと資金を保護するために行うべきことがいくつかあります。

2.1.情報が変更された場合は通知してください

お客様のビジネス名または商号、お客様のアカウントにアクセスできる個人または認定ユーザーの名前、電話番号、郵送先住所、電子メール アドレス、またはお客様が当社に提供したその他の情報に変更があった場合は、直ちに当社に通知する必要があります。は引き続き、お客様のアカウントに関する声明および重要な通知を提供することができます。

2.2.取引と利用可能な残高を追跡する

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.アカウント情報を保護する

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. アカウントに適用される一般規則

お客様は、プログラム パートナーによって提供されるオンライン バンキング サービスを使用して実行される支払い指示またはアクティビティは、お客様によって承認され有効であるとみなされ、当社にはその指示またはアクティビティを調査する義務がないことを理解するものとします。

3.1.アカウントへの入金

以下に説明する方法のいずれかを使用して、アカウントに入金することができます。入金には手数料はかかりません。

郵送による現金預金、紙の小切手や外貨預金は受け付けておりません。 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.

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

紙の小切手: 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.

外国通貨： 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.当社の資金利用ポリシー

以下の表に従って、毎営業日にお客様のアカウントに入金された入金を引き出し可能にすることが当社のポリシーです。営業日の終わりを「入金締め切り時間」といいます。当社営業日の締切時間前にご入金いただいた場合は、その日を入金日とさせていただきます。ただし、当社の締切時間を過ぎた場合、または当社が営業していない日に入金された場合は、当社が営業している翌営業日に入金されたものとみなされます。

* モバイル デポジット サービスを通じたデポジットは、Regulation CC 資金利用可能ルールの対象ではありません。

3.3. ACH クレジット取引と UCC 第 4A 条

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.入金時に起こり得るトラブル

何らかの理由で、お客様のアカウントへの入金または送金が支払い金融機関によって返還または拒否された場合、または入金または送金に関連するエラーまたは間違いがあった場合、当社は事前の予告なく、入金、送金、またはエラーの金額を差し引くことがあります。あなたにお知らせします。その時点でアカウントの資金が不十分な場合、アカウントが過剰に引き出される可能性があります。詳細については、当座貸越に関するセクション 3.12 を参照してください。

3.5.入金時に起こり得るトラブル

お客様は、お客様の名前の 1 つのアカウントから、プログラム パートナーが管理する、当社が保有するお客様の名前の別のアカウントに資金を送金することができます (「内部送金」)。実行できる内部送金の数に制限はなく、内部送金はすぐに利用可能です。

3.6.アカウントからの出金

次のいずれかの方法を使用して、アカウントの利用可能残高まで資金を引き出すことができます。

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.リンクされた銀行口座への送金、またはリンクされた銀行口座からの送金

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 ^番目 ) 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.違法行為、インターネットギャンブルの禁止、および取引を拒否する権利

アカウントを違法な目的に使用したり、合法か違法かにかかわらず、インターネット ギャンブルに使用してはなりません。当社は、違法行為、オンラインギャンブル、または当社の裁量によるその他の理由に関連すると思われる取引を拒否したり、入金の受け取りを拒否したりすることがあります。

3.9.お客様のアカウントに取引を転記し、利用可能な残高を決定する方法

3.9.1.投稿概要
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.転記注文
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.利用可能残高の確認
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.デビットカードの認証
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.ステートメント

明細書は定期的に電子メールで、またアカウントが非アクティブでない場合はオンライン バンキング サービスを通じて提供されます。明細書期間中にアカウントで取引がある場合は、毎月明細書が届きます。お客様のアカウントに取引がなかった場合、当社は明細書を提供しないか、またはより少ない頻度で明細書を提供する場合があります。紙の明細書は届きません。

3.11。アカウント上のエラーと責任の制限

You agree to carefully review your statements and promptly report to us any errors or unauthorized activity by email at help@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.当座貸越、資金不足、マイナス残高

アカウントの超過引き出しは許可されていません。お客様のアカウントの利用可能残高が、お客様が承認した取引をカバーするのに十分でない場合、当社は取引を返還するか、取引の処理を拒否する場合があります。ただし、入金が返還された場合など、アカウントがマイナスになる場合もあります。マイナス残高をカバーするには、すぐに入金する必要があります。お客様のアカウントの残高が 60 暦日以上続いた場合、当社はお客様のアカウントを閉鎖することがあります。

3.13。アカウントの閉鎖とアカウントの一時停止

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。休眠、非活動および未請求の財産

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。アカウント手数料と手数料スケジュール

このアカウントに関連する手数料はありません。料金はいつでも変更される可能性があります。法律で義務付けられている場合には、変更があった場合には事前に通知します。

4. 電子資金送金

あなたのアカウントでは、利用可能残高まで資金を引き出したり、電子資金移動 (「EFT」) を通じて入金したりすることができます。 EFT は電子的手段で処理される取引であり、ACH 送金、デビットまたは ATM カード取引、直接入金などが含まれます。このセクションでは、お客様のアカウントで許可されている EFT に関する情報、重要な開示および条件について説明します。また、プログラム パートナーが提供するオンライン バンキング サービスを通じて、本契約に記載されていない追加サービスを受けることもできます。これにより、アカウントとの間で EFT を開始できるようになります。これらのサービスに適用される別の契約および開示がプログラム パートナーから提供されます。

4.1.アカウントでサポートされている EFT の種類

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. EFTの制限

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.取引の文書化

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 help@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.事前承認された送金、支払いの停止、および金額の変動の通知

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.支払い停止をリクエストする方法
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. EFT に関する質問とエラーまたは不正な EFT の報告

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.取引の完了の失敗、不正な取引、または支払いの停止の失敗に対する当社の責任

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. 電信送金

アカウントでは、プログラム パートナーが提供するオンライン バンキング サービスを介した国内電信送金が許可される場合があります。

5.1.アカウントでサポートされている電信送金の種類

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.アカウントでサポートされている電信送金の種類

アカウントとの間で行うことができる取引の頻度と数には制限があります。これらの制限は、トランザクションの種類ごとに異なります。アカウントに資金を入金または入金する取引に適用される制限については、入金に関するセクション 3.1 を参照してください。アカウントから引き落としまたは引き出しを行う取引に適用される制限については、引き出しに関するセクション 3.6 を参照してください。お客様のアカウントから開始した電信送金を受け取ることができる受取人には制限がある場合があります。これらのセキュリティ関連の制限は随時変更される場合があります。

5.3.電信送金の締め切り時間

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.セキュリティ手順

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.誤った電信送金に対する責任

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 help@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.支払い

当社が電信送金リクエストを実行する前に、お客様は電信送金の金額と適用される手数料を当社に支払う必要があります。電信送金に適用される手数料については、本契約のセクション 3.15 を参照してください。

5.7.電信送金の実行

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 help@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.電信送金のキャンセルまたは変更

電信送金リクエストを受信すると、キャンセルまたは変更できない場合があります。ただし、当社の裁量により、キャンセルまたは変更のリクエストを通知される方法が当社のセキュリティ手順に準拠している場合に限り、当社はキャンセルまたは変更のリクエストに応じるために合理的な努力をすることがあります。ただし、かかるキャンセルまたは変更が影響を受けない場合、当社は責任を負いません。お客様は、電信送金のキャンセルまたは修正を試みる際に当社が被る可能性のあるすべての責任、請求、損害、経費、経費から当社を補償し、免責することに同意するものとします。当社による電信送金のキャンセルまたは修正により、当社は元の電信送金リクエストに応じる義務を免除されます。

5.9.電信送金が完了しなかった場合の当社の責任

当社は、本契約に明示的に規定されている電信送金サービスを実行することについてのみ責任を負います。ただし、当社は、かかるサービスの実施における当社自身の重過失または故意の不正行為に対してのみ責任を負うものとします。当社は、電信送金の実行または関連行為の実行において当社が使用した第三者を含むがこれに限定されない、第三者、またはお客様または第三者の行為または不作為に対して責任を負わないものとし、かかる第三者は責任を負わないものとします。当社の代理人とみなされます。いかなる場合でも、直接、間接、懲罰的、特別、偶発的または結果的な損害、利益の損失、損失または費用が発生した、または電信送金サービスに関連して損失または費用を含む、あらゆる種類の損害について責任を負いません。同様の可能性があると報告を受けています。適用される法律で別段の定めがある場合を除き、不正、誤った、またはその他の電信送金リクエストに関してお客様に返金または支払われる金額に対する利息の責任を負う最長期間は 30 日です。

5.10.不正な電信送金に対するあなたの責任

法律で別段の定めがある場合を除き、お客様は、お客様の過失が一因となった損失または損害、またはお客様の現在および/または以前の権限のある代理人による無許可、詐欺的、または不誠実な行為の結果生じた損失または損害に対して責任を負うものとします。このような責任には、現在または以前の権限のある代表者が 1 つ以上の電信送金を行った場合、または電信送金を行うために電話セキュリティ手順を不適切に使用してお客様に不利益をもたらした場合が含まれます。

5.11。マネーロンダリング防止および為替管理規制および OFAC による制裁の遵守

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. 小切手預金とモバイル預金サービス

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.代替小切手とあなたの権利

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.代替小切手
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. MDC サービスを使用する資格

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.対象商品

お客様は、MDC サービスの使用を通じてスキャンまたはキャプチャしてアカウントに預ける (「送信」) イメージのみが対象アイテムであることに同意します。 「対象商品」には、連邦準備理事会規則 CC で「小切手」または「認定小切手」として定義されている紙商品、および本契約で別途禁止されていないその他の紙商品が含まれます。あなたは、不適格アイテムとみなされる画像 (セクション 6.4 を参照) はあなたのアカウントに送信できず、当社によって拒否されることに同意するものとします。さらに、お客様は、当社に送信された対象商品の画像が、お客様のアカウントのバージニア州統一商法で採用されている意味の範囲内で「商品」とみなされることにも同意するものとします。

6.4.対象外商品

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.画像の撮影、送信、処理、支払い

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. MDC サービスの制限

MDC サービスを使用して実行できるトランザクションの頻度と量には制限がある場合があります。 MDC サービスの使用に適用される取引制限については、入金制限に関するセクション 3.1 を参照してください。

6.7.預けるアイテムに必要な承認と元のアイテムの管理

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. MDC サービスを使用したデポジットの利用可能性

お客様は、MDC サービスを使用して送信される品目は、Regulation CC に含まれる資金利用規則の対象ではないことを承認します。 MDC サービスを使用して入金された資金は、通常、入金日から 5 営業日以内に出金できるようになります。お客様の入金日を当社が決定する方法については、セクション 6.9 を参照してください。当社は、お客様と当社との関係の長さと程度、取引および経験情報、および当社が独自の裁量で関連性があると判断したその他のセキュリティおよびリスク関連要素に基づいて、遅かれ早かれそのような資金を利用可能にすることがあります。

6.9. MDC サービスを使用した入金の締め切り時間

当社が営業している営業日のアカウントの締め切り時間前にお客様が画像を当社に送信できた場合、当社はその日を入金日とみなします。カットオフ時間については、セクション 3.2 を参照してください。それ以降、または当社が営業していない日は、入金は当社が営業している次の営業日に行われたものとみなされます。

6.10.エラー

お客様は、MDC サービスを通じて送信されたアイテムに関するエラーの疑いがある場合には、直ちに、またいかなる場合も、エラーが表示された最初のアカウント明細書がお客様に提供されてから 60 日以内に当社に通知することに同意します。該当するアカウント明細書が利用可能になってから 60 日以内にエラーを当社に通知しない限り、その明細書に記載されている MDC サービスを通じて行われたすべての入金は正しいとみなされ、当社はいかなる申し立ても調査する義務を負いません。あなたが犯した間違いのこと。

6.11。チャージバック

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料金

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 help@softwrapbank.com or calling 1-442-264-2765 and promptly change your password.

6.13。安全

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 help@softwrapbank.com or calling 1-442-264-2765 and promptly change your password.

6.14。 MDC サービスの中断

MDC サービスは、メンテナンス、技術的な問題、またはその他の理由により、時々利用できなくなる場合があります。 MDC サービスが利用できない場合、当社は責任を負いません。当社は、技術的またはその他の問題、またはその結果としてお客様が被る可能性のある損害については責任を負いません。当社は、お客様への事前の通知なしに、いつでも、直ちに、MDC サービスの全部または一部の使用を変更、一時停止、中止、または制限する権利を留保します。

6.15。所有権とライセンス

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補償と責任の制限

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。終了

当社は、理由の如何を問わず、お客様による MDC サービスへのアクセスを終了することがあります。これには、お客様による本契約への重大な違反、MDC サービスの使用に関する不正行為または不作為、お客様が破産または破産を申請した場合が含まれます。 MDC サービスの使用を管理する規則に変更があった場合。

6.18。第三者受益者

お客様は、お客様による MDC サービスの使用を容易にするサードパーティ サービス プロバイダーが本契約のサードパーティ受益者であること、およびサードパーティ サービス プロバイダーがお客様に対して本契約の義務を直接強制する権利を有することを認め、これに同意します。

7. その他の法的条件

7.1.割り当てはありません

お客様のアカウントおよび本契約に基づくお客様の義務は、ローンまたはその他の目的で譲渡したり、担保として譲渡したりすることはできません。当社は、本契約に基づく権利を譲渡することができます。

7.2.あなたのアカウントに影響を与える法的手続きと申し立て

当社がお客様に対する徴収、差押え、またはその他の法的手続き (総称して「法的手続き」) を受け取った場合、法的手続きが却下されるか満足されるまで、当社はお客様のアカウントからの出金または送金の許可を拒否することがあります。いかなる法的手続きも、当社の相殺および担保権の権利の対象となります。お客様は、お客様のアカウントに関連する紛争または法的手続きの結果として当社が被る損失、費用、経費について責任を負います。お客様のアカウント内の資金に対する請求を当社が受け取った場合、またはお客様のアカウント内の資金の所有権または管理に関して紛争があることを当社が知っているか、またはそう考えている場合、当社は、当社の裁量により、以下の措置を講じることがあります。(1)紛争が解決されたことに当社が満足するまで、お客様のアカウントに資金の支払いを拒否すること。 (2) アカウントを閉鎖し、指定されたアカウント所有者に残高を送信します。 (3) 裁判所命令による行動を要求する。または (4) 当社を保護するために必要と思われるその他の措置を講じます。当社は、お客様がそのような行動をとった場合には責任を負いません。

7.3.責任の制限と保証の否認

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.補償

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.
‍
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。当社の相殺および担保権の権利

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.規約および追加サービスの変更

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.権利の放棄の禁止

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.矛盾とセクション見出し

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.可分性

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。準拠法、法廷地および期限

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. 仲裁と権利放棄

この条項をよく読み、お客様と当社の間で紛争が生じた場合にお客様の権利が制限されることを理解してください。

8.1.仲裁選挙

お客様、SoftWrap LLC、および銀行は、請求の解決のための唯一かつ排他的な場および救済手段が、本第 7 条 (「仲裁条項」) に基づく最終的かつ拘束力のある仲裁であることに同意します。この仲裁条項で使用される「申し立て」には、一方ではお客様 (またはお客様を通じて、またはお客様に関連して申し立てを行う人) と、他方では当社が関与する過去、現在、または将来のあらゆる申し立て、紛争、または論争が含まれるものとします。本仲裁条項、その一部、または本契約全体の有効性または執行可能性を含む、本契約に関連する、または本契約から生じる、および/または本契約に関係する、本契約につながる、または本契約から生じる活動または関係。請求は、契約に起因するかどうかに関係なく、仲裁の対象となります。不法行為（意図的かどうかにかかわらず）。憲法、法令、慣習法、または公平の原則。もしくはそうでないか。請求には、最初の請求、反訴、相互請求、第三者の請求、またはその他として生じた事項が含まれます。お客様の請求が適格であれば、問題がその裁判所に留まり、個人（非集団、非代表）ベースでのみ進行する限り、お客様は引き続き少額裁判所で請求を主張することができることに注意してください。この仲裁規定の範囲には、強制力のある可能な限り幅広い解釈が与えられるものとします。

8.2.連邦仲裁法の適用性;仲裁人の権限

この仲裁条項は、州際通商に関わる取引に従って作成され、連邦仲裁法 (「FAA」) に準拠し、同法に基づいて強制力を持つものとします。仲裁人は、FAA に準拠した実体法および適用される時効を適用します。仲裁人は、本仲裁規定に定められた制限を条件として、適用される実体法で認められる損害賠償またはその他の種類の救済を裁定することができます。仲裁人は、法廷で適用される司法手続き規則および証拠に拘束されません。仲裁人は、機密情報を合理的に保護するための措置を講じるものとします。

8.3.非公式紛争解決

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 help@softwrapbank.com and provide us with the opportunity to resolve your concern prior to initiating arbitration.

8.4.仲裁手続き

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。仲裁手数料

当社が仲裁を開始した場合、当社は管理者の申し立て費用および管理手数料（審理手数料を除く）をすべて支払うものとします。お客様が仲裁を開始する場合、申し立て費用および管理手数料（審問手数料を除く）は、選択された管理者の規則に従って、または管理者の規則に反する場合には相殺法に従って支払われるものとします。当社は、丸 1 日の仲裁審理に対する管理者の審問費用を支払うものとします。 1 日を超える審問の料金は、管理者の規則または適用される法律で別段の定めがある場合、またはお客様が当社に支払いを要求し、当社がそうすることに同意する場合を除き、審理を要求した当事者が支払います。法律で別段の定めがある場合を除き、各当事者は自身の弁護士費用を負担するものとします。法令によりこれらの料金のいずれかを回収する権利が付与されている場合、本契約にこれと異なる規定があるにもかかわらず、これらの法定の権利が仲裁に適用されるものとします。

8.6.控訴

仲裁人による最終的な裁定から 30 日以内であれば、いずれの当事者も、仲裁人管理者の規則に従って選出された 3 人の仲裁委員会による再審査を求めて裁定に上訴することができます。このような控訴が行われた場合、相手方当事者は、控訴の通知後 30 日以内に反対控訴を行うことができます。パネルは、上訴された最初の裁定のあらゆる側面を新たに再検討する予定です。控訴の費用および行為は、最初の仲裁手続きと同様に、この仲裁条項および管理者の規則に準拠するものとします。上訴の対象とならない個々の仲裁人による裁定、および上訴に対するパネルの裁定は、連邦仲裁法 (「FAA」) に基づく上訴権を除き、最終的かつ拘束力を持つものとし、判決として入力することができます。管轄権を有する裁判所。

8.7.集団訴訟はありません

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。仲裁条項の存続と可分性

この仲裁規定は、本契約の終了後も存続するものとします。本仲裁規定の第 7.7 条以外の部分が無効または法的強制力がないとみなされた場合でも、本仲裁規定の残りの部分は引き続き有効かつ有効であるものとします。適用法が特定の救済請求または特定の条件に関する本仲裁条項の制限の執行を妨げるという最終的な司法判断がある場合、その請求 (およびその請求のみ) またはその条件 (およびその条件のみ) は、法から切り離されなければなりません。仲裁条項に準拠し、法廷に持ち込まれる可能性があります。仲裁が集団ベース、代表ベース、または集団ベースで提起され、第 7.7 条のかかる手続きの制限が最終的に第 7.7 条の最後の文に従って法的強制力がないと判断された場合、仲裁は行われないものとします。いかなる場合においても、無効は、仲裁人が本仲裁条項で認められている範囲を超えて請求を決定したり裁定を行ったりする権限を与えたものとみなされないものとします。

8.9.司法請求フォーラム

適用される法律で別段の定めがある場合を除き、この仲裁規定がお客様またはお客様の請求に適用されないと判明した場合、お客様と銀行は、あらゆる司法手続き（少額訴訟を除く）が連邦裁判所または州裁判所に提起されることに同意するものとします。バージニア州。あなたと銀行の両者は、そこでの裁判地と対人管轄権に同意します。私たちは二人とも、陪審裁判を受ける権利を放棄することに同意します。

8.10。訴訟権の放棄

両当事者は、裁判官または陪審員の前で法廷を通じて請求を訴訟する権利を有することを認めますが、本契約および仲裁条項に同意することにより、承知の上で自発的にその権利を放棄するものとします。