CONTRATO DE CONTA DE DEPÓSITO SOFTWRAP

1. Visão geral da conta

1.1 Como entrar em contato conosco

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 Tipo de conta e elegibilidade

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 Acesso on-line ou móvel à sua conta

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 Conta sem 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 Usuários Autorizados

Você poderá designar indivíduos adicionais (“Usuários Autorizados”) que você autoriza a acessar sua Conta e/ou realizar transações por meio de sua Conta. Ao estabelecer um Usuário Autorizado, você entende que qualquer autorização de transação, instrução ou qualquer outra ação relativa à sua Conta que seu Usuário Autorizado realize será considerada autorizada por você e válida e não temos obrigação de investigar a autorização, instrução ou atividade. Você também concorda que não nos responsabilizará por agir de acordo com qualquer autorização, instrução ou atividade. Continuaremos a tratar todas as ações tomadas pelo seu Usuário Autorizado como autorizadas por você até que você revogue o acesso do Usuário Autorizado à sua Conta, notificando-nos por e-mail em help@softwrapbank.com. Também nos reservamos o direito de encerrar o acesso do seu Usuário Autorizado à Conta por qualquer motivo e sem aviso prévio.

1.6 Como abrir uma conta

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.

Informações importantes sobre procedimentos para abertura de nova Conta: 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 e Saldos Mínimos

Não há depósito mínimo exigido para abrir uma conta e nenhum saldo mínimo que você precise manter em sua conta.

1.8 Divulgações de Interesses

Esta conta não rende juros. Nenhum juro será pago nesta conta.

1.9 Autoridade

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 Procuração e Procuradores

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 Morte ou Incapacitação

Você concorda que, se recebermos uma notificação ou se tivermos motivos para acreditar que você ou qualquer Usuário Autorizado morreu ou ficou legalmente incapacitado, poderemos reter sua Conta e recusar todas as transações até que saibamos e tenhamos verificado a identidade de seu sucessor. . Até recebermos notificação e qualquer prova exigida de morte ou incapacidade, poderemos continuar a aceitar depósitos e processar transações em sua conta. Seu patrimônio será responsável por nos reembolsar por qualquer obrigação tributária resultante do pagamento do saldo de sua conta ao seu patrimônio. Você concorda em nos isentar de quaisquer ações que tomarmos com base em nossa crença de que você morreu ou ficou incapacitado. Se determinados pagamentos originados de entidades governamentais forem depositados em sua conta após sua morte, poderemos ser obrigados a devolver esses pagamentos ao originador mediante notificação.

1.12 Nosso relacionamento com você

Ao abrir uma conta, estamos estabelecendo um relacionamento de conta com você e nos comprometendo a agir de boa fé e a exercer o cuidado normal em nossas negociações com você, conforme definido pelo Código Comercial Uniforme adotado pelo Estado da Virgínia. Este Contrato e o relacionamento da Conta não criam um relacionamento fiduciário ou qualquer outro relacionamento especial entre você e nós.

1.13 Prestadores de Serviços Terceirizados

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 Confidencialidade e Nossa Política de Privacidade

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 Comunicações por telefone celular

Ao nos fornecer seu número de telefone celular ou outro dispositivo sem fio, você concorda expressamente em receber comunicações não comerciais nesse número - incluindo, entre outros, chamadas de mensagens de voz pré-gravadas ou artificiais, mensagens de texto e chamadas feitas por um discador automático nosso e de nossos afiliados e agentes. Este consentimento se aplica a todos os números de telefone que você nos fornecer agora ou no futuro. Seu provedor de serviços telefônicos ou móveis poderá cobrar por essas chamadas ou mensagens. Você também concorda que podemos gravar ou monitorar quaisquer comunicações para fins de controle de qualidade e treinamento.

1.16 Nossos Dias Úteis

Nossos dias úteis são de segunda a sexta-feira, exceto feriados federais.

2. Suas responsabilidades de conta

Nós nos esforçamos para manter sua conta segura e fornecer ferramentas e serviços para ajudá-lo a gerenciar sua conta. No entanto, há certas coisas que você deve fazer para proteger sua conta e seus fundos.

2.1. Notifique-nos se suas informações mudarem

Você deve nos notificar imediatamente se houver uma alteração em seu nome comercial ou comercial, nos nomes de qualquer indivíduo ou Usuário Autorizado com acesso à sua Conta, número de telefone, endereço para correspondência, endereço de e-mail ou qualquer outra informação que você nos forneceu para que possamos pode continuar a fornecer extratos e avisos importantes relativos à sua conta.

2.2. Acompanhe suas transações e saldo disponível

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 as informações da sua conta

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. Regras gerais que regem sua conta

Você entende que qualquer instrução ou atividade de pagamento realizada usando quaisquer Serviços de Online Banking fornecidos a você pelo Parceiro do Programa será considerada autorizada por você e válida e não temos obrigação de investigar a instrução ou atividade.

3.1. Depósitos em sua conta

Você pode fazer depósitos em sua conta usando qualquer um dos métodos descritos abaixo. Não cobramos nenhuma taxa para fazer depósitos.

Não aceitamos depósitos em dinheiro por correio, cheque em papel ou depósitos em moeda estrangeira: 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.

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

Verificações de 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.

Moeda estrangeira: 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. Nossa Política de Disponibilidade de Fundos

É nossa política disponibilizar os depósitos feitos em sua conta todos os dias úteis para saque de acordo com a tabela abaixo. O final do dia útil é denominado “horário limite para depósitos”. Se você fizer um depósito antes do horário limite em um dia útil em que estejamos abertos, consideraremos esse dia como o dia do seu depósito. No entanto, se você fizer um depósito após nosso horário limite ou em um dia em que não estivermos abertos, consideraremos que o depósito será feito no próximo dia útil em que estivermos abertos.

* Os depósitos através dos Serviços de Depósito Móvel não estão sujeitos às regras de disponibilidade de fundos do Regulamento CC.

3.3. Transações de crédito ACH e Artigo 4A do 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 podem ocorrer com depósitos

Se um depósito ou transferência para sua conta for devolvido ou rejeitado pela instituição financeira pagadora por qualquer motivo, ou se houver um erro ou erro envolvendo um depósito ou transferência, poderemos deduzir o valor do depósito, transferência ou erro sem aviso prévio. aviso para você. Se não houver fundos suficientes em sua conta no momento, sua conta poderá ficar com saldo negativo. Consulte a Seção 3.12 sobre saques a descoberto para obter mais informações.

3.5. Problemas que podem ocorrer com depósitos

Você pode transferir fundos de uma Conta em seu nome para outra conta em seu nome mantida por nós e gerenciada pelo Parceiro do Programa (uma “transferência interna”). Não há limites para o número de transferências internas que você pode fazer e as transferências internas estão imediatamente disponíveis.

3.6. Retiradas da sua conta

Você pode sacar fundos até o valor do seu saldo disponível em sua conta usando qualquer um dos métodos a seguir.

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. Transferências de ou para contas bancárias 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 ^º ) 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. Nenhuma atividade ilegal, jogos de azar na Internet e direito de recusar transações

Você não deve usar sua conta para fins ilegais ou, independentemente de ser legal ou ilegal, para jogos de azar na Internet. Poderemos negar qualquer transação ou recusar aceitar qualquer depósito que acreditemos estar relacionado com atividades ilegais, jogos de azar online ou por qualquer outro motivo a nosso critério.

3.9. Como lançamos transações em sua conta e determinamos seu saldo disponível

3.9.1. Visão geral da postagem
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. Ordem de postagem
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. Determinando seu saldo disponível
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. Autorizações de cartão 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. Declarações

Os extratos serão fornecidos periodicamente a você por e-mail e através dos Serviços de Banco Online se sua Conta não estiver inativa. Você receberá um extrato mensalmente se tiver transações em sua conta durante o período do extrato. Se não houver transações em sua conta, poderemos não fornecer extratos ou fornecer extratos com menos frequência. Você não receberá extratos em papel.

3.11. Erros na sua conta e limitações de responsabilidade

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. Descobertos, Fundos Insuficientes e Saldos Negativos

Não permitimos que você saque a descoberto em sua conta. Se o Saldo Disponível na sua Conta não for suficiente para cobrir qualquer transação que você autorizou, poderemos devolver a transação ou recusar o processamento da transação. No entanto, pode haver casos em que sua conta ainda possa ficar negativa, como se um depósito que você fez for devolvido. Você deve fazer um depósito imediatamente para cobrir qualquer saldo negativo. Se sua conta tiver saldo negativo por sessenta (60) dias corridos ou mais, poderemos encerrar sua conta.

3.13. Fechando sua conta e suspensões de conta

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. Dormência, Inatividade e Propriedade Não Reivindicada

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. Taxas de conta e tabela de taxas

Não há taxas associadas a esta conta. As taxas estão sujeitas a alterações a qualquer momento. Iremos avisá-lo com antecedência sobre quaisquer alterações quando exigido por lei.

4. Transferências Eletrônicas de Fundos

Sua conta permite que você retire fundos até o Saldo Disponível ou faça depósitos por meio de Transferências Eletrônicas de Fundos (“EFTs”). EFTs são transações processadas por meios eletrônicos e incluem, entre outras, transferências ACH, transações com cartão de débito ou ATM e depósitos diretos. Esta Seção fornece informações e divulgações e termos importantes sobre as EFTs permitidas em sua Conta. Você também poderá receber serviços adicionais por meio de Serviços de Online Banking fornecidos pelo Parceiro do Programa, que permitem iniciar EFTs de e para sua Conta que não estão descritos neste Contrato. Você receberá acordos e divulgações separados aplicáveis a esses serviços pelo Parceiro do Programa.

4.1. Tipos de EFTs suportados pela sua conta

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. Limitações em EFTs

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. Documentação de suas transações

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. Transferências pré-autorizadas, suspensão de pagamentos e avisos de valores variados

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. Como solicitar uma suspensão de pagamento
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. Perguntas sobre suas EFTs e relatórios de erros ou EFTs não autorizados

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. Nossa responsabilidade por falha na conclusão de uma transação, transações não autorizadas ou falha na interrupção de um pagamento

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. Transferências Bancárias

A Conta poderá permitir transferências bancárias domésticas por meio de Serviços de Online Banking fornecidos a você pelo Parceiro do Programa.

5.1. Tipos de transferências bancárias suportadas pela sua conta

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 transferências bancárias suportadas pela sua conta

Existem limitações quanto à frequência e ao número de transações que você pode fazer de ou para sua conta. Esses limites são diferentes para cada tipo de transação. Para limites que se aplicam a transações que creditam ou depositam fundos em sua conta, consulte a Seção 3.1 relativa a depósitos. Para limites que se aplicam a transações que debitam ou sacam de sua conta, consulte a Seção 3.6 sobre saques. Pode haver limites para os beneficiários que podem receber uma transferência bancária iniciada por você a partir de sua conta. Esses limites relacionados à segurança podem mudar de tempos em tempos.

5.3. Tempos limite para transferências bancárias

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. Procedimentos de Segurança

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. Responsabilidade por transferências eletrônicas incorretas

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. Pagamento

Você deve nos pagar o valor da transferência eletrônica, mais quaisquer taxas aplicáveis, antes de executarmos a solicitação de transferência eletrônica. Consulte a Seção 3.15 deste Contrato para saber as taxas aplicáveis às transferências eletrônicas.

5.7. Execução de Transferências Bancárias

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. Cancelamento ou Alteração de Transferência Bancária

Assim que recebermos uma solicitação de transferência bancária, talvez não seja possível cancelá-la ou alterá-la. No entanto, a nosso critério, poderemos envidar esforços razoáveis para dar seguimento a qualquer pedido de cancelamento ou alteração, desde que o método pelo qual somos notificados de um pedido de cancelamento ou alteração esteja em conformidade com os nossos procedimentos de segurança. No entanto, não teremos qualquer responsabilidade se tal cancelamento ou alteração não for afetado. Você concorda em nos indenizar e isentar de toda e qualquer responsabilidade, reclamação, dano, custo e despesa que possamos incorrer na tentativa de cancelar ou alterar a transferência eletrônica. qualquer cancelamento ou alteração de uma transferência bancária por nossa parte nos isentará de qualquer obrigação de agir de acordo com a solicitação de transferência eletrônica original.

5.9. Nossa responsabilidade pela falha na conclusão de uma transferência eletrônica

Seremos responsáveis apenas pela execução do serviço de transferência bancária expressamente previsto neste Contrato; desde que, no entanto, seremos responsáveis apenas por nossa própria negligência grave ou má conduta intencional na execução de tal serviço. Não seremos responsáveis perante terceiros ou por qualquer ato ou omissão sua ou de terceiros, incluindo, entre outros, terceiros usados por nós na execução de uma transferência bancária ou na realização de um ato relacionado e nenhum terceiro deverá ser considerado nosso agente. EM HIPÓTESE ALGUMA SEREMOS RESPONSÁVEIS POR QUAISQUER DANOS DE QUALQUER TIPO, INCLUINDO, SEM LIMITAÇÃO, DANOS DIRETOS, INDIRETOS, PUNITIVOS, ESPECIAIS, INCIDENTAIS OU CONSEQUENTES, LUCROS CESSANTES, PERDAS OU DESPESAS DECORRENTES DE OU EM CONEXÃO COM O SERVIÇO DE TRANSFERÊNCIA FRONTEIRA, MESMO QUE NÓS FORAM AVISADOS DA POSSIBILIDADE DO MESMO. Salvo disposição em contrário da lei aplicável, o período máximo durante o qual seremos responsáveis por juros sobre qualquer valor a ser reembolsado ou pago a você em relação a uma solicitação de transferência eletrônica não autorizada, errônea ou outra, é de trinta dias.

5.10. Sua responsabilidade por transferências eletrônicas não autorizadas

Salvo disposição em contrário por lei, você será responsável por qualquer perda ou dano para o qual sua negligência tenha contribuído ou que tenha resultado em atos não autorizados, fraudulentos ou desonestos por parte de seus atuais e/ou antigos representantes autorizados. Tal responsabilidade inclui casos em que um representante autorizado atual ou antigo efetua uma ou mais transferências bancárias ou uso indevido de procedimentos de segurança telefônica para efetuar uma transferência bancária em seu detrimento.

5.11. Conformidade com os Regulamentos de Combate à Lavagem de Dinheiro e Controle de Câmbio e Sanções Aplicadas pela 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 em cheque e serviços de depósito móvel

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 substitutos e seus direitos

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. Verificações substitutas
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. Elegibilidade para usar os serviços 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. Itens elegíveis

Você concorda que as únicas imagens que você digitalizará ou capturará e depositará (“transmitir”) em sua Conta por meio do uso dos Serviços MDC serão Itens Elegíveis. “Itens Elegíveis” incluem itens de papel que são definidos como “cheques” ou “cheques certificados” sob o Regulamento CC da Reserva Federal e outros itens de papel não proibidos de outra forma por este Contrato. Você concorda que as imagens consideradas Itens Inelegíveis (consulte a Seção 6.4) não poderão ser transmitidas para sua Conta e serão rejeitadas por nós. Você também concorda que a imagem do Item Elegível transmitida a nós será considerada um “item” dentro do significado adotado no Código Comercial Uniforme da Virgínia de sua Conta.

6.4. Itens inelegíveis

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, transmissão, processamento e pagamento de imagens

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. Limites para os Serviços MDC

Pode haver limitações quanto à frequência e quantidade de transações que você pode fazer usando os Serviços MDC. Consulte a Seção 3.1 relativa às limitações de depósito para obter informações sobre as limitações de transação que se aplicarão ao seu uso dos Serviços MDC.

6.7. Endossos exigidos sobre itens que você deposita e gerenciamento do item 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. Disponibilidade de seus depósitos usando os serviços MDC

Você reconhece que os itens transmitidos usando os Serviços MDC não estão sujeitos às regras de disponibilidade de fundos contidas no Regulamento CC. Os fundos depositados através dos Serviços MDC serão normalmente disponibilizados para saque dentro de cinco (5) dias úteis após o dia em que você fizer seu depósito. Consulte a Seção 6.9 para obter informações sobre como determinamos o dia em que seu depósito é feito. Poderemos disponibilizar esses fundos mais cedo ou mais tarde com base na duração e extensão do seu relacionamento conosco, nas informações de transação e experiência e em outros fatores de segurança e relacionados ao risco que, a nosso exclusivo critério, considerarmos relevantes

6.9. Prazos limite para depósitos usando os serviços MDC

Se você nos transmitir com sucesso uma imagem antes do horário limite da Conta em um dia útil em que estejamos abertos, consideraremos esse dia como o dia do seu depósito. Consulte a Seção 3.2 para obter informações sobre os tempos limite. Após esse horário ou em dia que não estivermos abertos, consideraremos o depósito efetuado no próximo dia útil em que estivermos abertos.

6.10. Erros

Você concorda em nos notificar imediatamente sobre qualquer suspeita de erro em relação a itens transmitidos por meio dos Serviços MDC e, em nenhum caso, depois de sessenta (60) dias após o primeiro extrato da conta em que o erro aparecer ser disponibilizado a você. A menos que você nos notifique sobre um erro dentro de sessenta (60) dias após o extrato da conta aplicável ser disponibilizado a você, todos os depósitos feitos por meio dos Serviços MDC que aparecem nesse extrato serão considerados corretos e não teremos obrigação de investigar qualquer reclamação. de erro que você comete.

6.11. Estorno

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. Tarifas

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. Segurança

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. Interrupção dos serviços MDC

Os Serviços MDC podem não estar disponíveis ocasionalmente devido a manutenção, problemas técnicos ou outros motivos. Não nos responsabilizamos se os Serviços MDC não estiverem disponíveis. Não podemos assumir responsabilidade por quaisquer dificuldades técnicas ou outras, ou por quaisquer danos resultantes que você possa incorrer. Reservamo-nos o direito de alterar, suspender, descontinuar ou limitar o seu uso dos Serviços MDC, no todo ou em parte, imediatamente e a qualquer momento, sem aviso prévio.

6.15. Propriedade e Licença

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. Indenização e Limitação de Responsabilidade

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. Terminação

Poderemos rescindir seu acesso aos Serviços MDC por qualquer motivo ou não, inclusive devido à sua violação material deste Contrato, suas ações fraudulentas ou omissões com relação ao uso dos Serviços MDC, se você se tornar insolvente ou declarar falência, ou se houver uma alteração nas Regras que regem o uso dos Serviços MDC.

6.18. Beneficiário Terceiro

Você reconhece e concorda que qualquer provedor de serviços terceirizado que facilite seu uso dos Serviços MDC é um terceiro beneficiário deste Contrato e que o provedor de serviços terceirizado tem o direito de fazer cumprir diretamente suas obrigações deste Contrato contra você.

7. Outros Termos e Condições Legais

7.1. Nenhuma tarefa

Sua conta e suas obrigações sob este Contrato não são transferíveis e nem cedíveis como garantia para um empréstimo ou para qualquer outra finalidade. Podemos transferir nossos direitos sob este Contrato.

7.2. Processos legais e reclamações que afetam sua conta

Se recebermos uma cobrança, penhora ou outro processo legal contra você (coletivamente, “Processo Legal”), poderemos nos recusar a permitir saques ou transferências de sua Conta até que o Processo Legal seja encerrado ou satisfeito. Qualquer Processo Legal estará sujeito ao nosso direito de compensação e garantia real. Você é responsável por quaisquer perdas, custos ou despesas que incorrermos como resultado de qualquer disputa ou processo legal envolvendo sua Conta. Se recebermos uma reclamação contra os fundos da sua Conta, ou se soubermos ou acreditarmos que existe uma disputa quanto à propriedade ou controle dos fundos da sua Conta, poderemos, a nosso critério: (1) reter sua conta e recusar o pagamento de quaisquer fundos até que estejamos convencidos de que a disputa foi resolvida; (2) encerrar sua conta e enviar o saldo ao titular da conta nomeado; (3) exigir uma ordem judicial para agir; ou (4) tomar qualquer outra ação que considerarmos necessária para nos proteger. Não seremos responsáveis perante você por tomar tal ação.

7.3. Limitação de responsabilidade e isenção de garantia

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. Indenização

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. Nosso direito de compensação e juros de segurança

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. Mudanças nos Termos e Serviços Adicionais

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. Sem renúncia de direitos

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. Conflitos e títulos de seção

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. Divisibilidade

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. Lei Aplicável, Fórum e Prazos

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. Arbitragem e Renúncias

CERTIFIQUE-SE DE QUE LEU ESTA DISPOSIÇÃO COM ATENÇÃO E ENTENDE QUE ELA LIMITA SEUS DIREITOS NO CASO DE UMA DISPUTA ENTRE VOCÊ E NÓS.

8.1. Eleição para Arbitrar

Você, a SoftWrap Participações S.A 31.544.347/0001-29 e o Banco concordam que o único e exclusivo fórum e solução para a resolução de uma Reivindicação será a arbitragem final e vinculativa de acordo com esta Seção 7 (a “Disposição de Arbitragem”). Conforme usado nesta Disposição de Arbitragem, “Reivindicação” incluirá qualquer reivindicação, disputa ou controvérsia passada, presente ou futura envolvendo você (ou pessoas que reivindicam através de você ou estão relacionadas a você), por um lado, e nós, por outro lado, relacionados ou decorrentes deste Contrato, e/ou as atividades ou relacionamentos que envolvem, conduzem ou resultam deste Contrato, incluindo a validade ou aplicabilidade desta Disposição de Arbitragem, qualquer parte dela, ou todo o Contrato. As reclamações estão sujeitas a arbitragem, independentemente de serem decorrentes de contrato; ato ilícito (intencional ou não); uma constituição, estatuto, direito consuetudinário ou princípios de equidade; ou então. As reivindicações incluem questões decorrentes de reivindicações iniciais, reconvencionais, reivindicações cruzadas, reivindicações de terceiros ou de outra forma. Observe que você poderá continuar a reivindicar Reivindicações em tribunais de pequenas causas, se suas Reivindicações forem qualificadas e desde que o assunto permaneça em tal tribunal e avance apenas em uma base individual (não coletiva, não representativa). O escopo desta Disposição de Arbitragem deve receber a interpretação mais ampla possível que seja executória.

8.2. Aplicabilidade da Lei Federal de Arbitragem; Poderes do Árbitro

Esta Disposição de Arbitragem é feita de acordo com uma transação envolvendo comércio interestadual e será regida e executável de acordo com a Lei Federal de Arbitragem (a “FAA”). O árbitro aplicará a lei substantiva consistente com a FAA e os estatutos de limitações aplicáveis. O árbitro poderá conceder indenização por danos ou outros tipos de reparação permitidos pela lei substantiva aplicável, sujeito às limitações estabelecidas nesta Disposição de Arbitragem. O árbitro não estará vinculado às regras processuais judiciais e às provas que seriam aplicáveis em um tribunal. O árbitro tomará medidas para proteger razoavelmente as informações confidenciais.

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

8.4. Procedimentos de Arbitragem

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. Taxas de Arbitragem

Se iniciarmos a arbitragem, pagaremos todos os custos de registro e taxas administrativas do administrador (exceto taxas de audiência). Se você iniciar a arbitragem, os custos de registro e taxas administrativas (exceto taxas de audiência) serão pagos de acordo com as regras do administrador selecionado, ou de acordo com a lei compensatória, se for contrário às regras do administrador. Pagaremos os honorários da audiência do administrador por um dia inteiro de audiências de arbitragem. As taxas para audiências que excedam um dia serão pagas pela parte que solicita a audiência, a menos que as regras do administrador ou a lei aplicável exijam o contrário, ou você solicite que as paguemos e nós concordemos em fazê-lo. Cada parte arcará com as despesas de seus próprios honorários advocatícios, salvo disposição em contrário da lei. Se uma lei lhe der o direito de recuperar qualquer uma dessas taxas, esses direitos legais serão aplicados na arbitragem, não obstante qualquer disposição em contrário aqui.

8.6. Recursos

No prazo de 30 dias após a decisão final do árbitro, qualquer parte poderá recorrer da decisão para reconsideração por um painel de três árbitros selecionados de acordo com as regras do administrador do árbitro. No caso de tal recurso, qualquer parte contrária poderá interpor recurso subordinado no prazo de 30 dias após a notificação do recurso. O painel reconsiderará de novo todos os aspectos da sentença inicial que forem objeto de recurso. Os custos e a condução de qualquer recurso serão regidos por esta Disposição de Arbitragem e pelas regras do administrador, da mesma forma que o procedimento de arbitragem inicial. Qualquer decisão do árbitro individual que não esteja sujeita a recurso, e qualquer decisão do painel em caso de recurso, será final e vinculativa, exceto para qualquer direito de recurso ao abrigo da Lei Federal de Arbitragem (“FAA”), e poderá ser proferida como um julgamento em qualquer tribunal de jurisdição competente.

8.7. Sem ações coletivas

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. Sobrevivência e Divisibilidade da Disposição de Arbitragem

Esta Disposição de Arbitragem sobreviverá à rescisão deste Contrato. Se qualquer parte desta Disposição de Arbitragem que não seja a Seção 7.7 for considerada inválida ou inexequível, as partes restantes desta Disposição de Arbitragem permanecerão válidas e em vigor. Se houver uma determinação judicial final de que a lei aplicável impede a aplicação das limitações desta Disposição de Arbitragem quanto a uma reivindicação específica de reparação ou termo específico, então essa reivindicação (e apenas essa reivindicação) ou esse termo (e somente esse termo) deverá ser separada de a Disposição de Arbitragem e pode ser levado a tribunal. Se uma arbitragem for instaurada em caráter coletivo, representativo ou coletivo, e as limitações a tais procedimentos na Seção 7.7 forem finalmente julgadas de acordo com a última frase da Seção 7.7 como inexequíveis, então nenhuma arbitragem será realizada. Em nenhum caso qualquer invalidação será considerada como autorizando um árbitro a determinar Reivindicações ou emitir sentenças além daquelas autorizadas nesta Disposição de Arbitragem.

8.9. Fórum Judicial de Reclamações

Exceto se exigido de outra forma pela lei aplicável, se esta Disposição de Arbitragem não se aplicar a você ou à sua Reivindicação, você e o Banco concordam que qualquer processo judicial (exceto ações de pequenas causas) será instaurado nos tribunais federais ou estaduais do Comunidade da Virgínia. Tanto você quanto o Banco concordam com o local e a jurisdição pessoal nesse local. Ambos concordamos em renunciar ao nosso direito a um julgamento com júri.

8.10. RENÚNCIA DO DIREITO DE LITIGAR

AS PARTES RECONHECEM QUE TÊM O DIREITO DE LITIGAR RECLAMAÇÕES ATRAVÉS DE UM TRIBUNAL PERANTE UM JUIZ OU JÚRI, MAS ESTÃO AQUI CONSCIENTE E VOLUNTARIAMENTE RENUNCIANDO A ESSE DIREITO AO CONCORDAR COM ESTE ACORDO E DISPOSIÇÃO DE ARBITRAGEM.