Terms of Service Welcome to CashEdge! – the next generation of on-line personal finance management. Our customer (the “Transferor”) has instructed us to transfer funds (the “Funds”) to an account you designate at your bank or other financial institution (the “Account”). To enable us to complete this transfer (the “Transfer”), we need you to agree to the terms and conditions set forth below and to provide us with the necessary information. Please take a few minutes to read this Funds Transfer Agreement (the “Agreement”). Any reference to "CashEdge" in this Agreement includes any directors, officers, employees, contractors, agents or licensees of CashEdge. As used in this Agreement, the words “you” and “your” refer to you as the person receiving the Funds; the words “we,” “us,” “our” and any other variation thereof refer to CashEdge. When you’re ready, scroll down and click the “I Agree” button in order to complete the Transfer and receive the Funds. Acceptance of Terms When you click on the "I Agree" button, you accept the terms and conditions of this Agreement (the “Terms”). If you do not agree to all of the Terms, click on the "I Disagree" button. If you do not accept and agree to all of the Terms, we cannot complete the Transfer and you will not receive the Funds. To receive the Funds you must be at least eighteen (18) years old and a resident of the United States. 0.1Your Account Information When you click on the “I Agree” button, you authorize us to transfer the Funds to your Account. In order for us to complete the Transfer, you will be prompted to provide us with the following information (the “Information”): 1) your full name; 2) your current residential address; 3) the name of your bank or financial institution and ABA routing number (the 9-digit number that appears on the far left of the bottom of your check) of the financial institution which holds your Account you wish credited; 4) the Account number; and 5) a secret word or phrase known only to you and the transferor (the “Shared Secret”). We will utilize the Automated Clearing House (ACH) system to send the Funds to your Account. We will act on the Information provided by you in completing ACH credit instructions to your Account at the financial institution designated by you. If for any reason your financial institution returns the ACH credit or the credit goes to the wrong financial institution or Account because you have provided us with incorrect Information, we may in our sole discretion, take reasonable efforts to complete the credit transaction or return the Funds to the Transferor. Shared Secret (a)To enable you, and only you, to receive the Funds, the Transferor has given you the Shared Secret. If you have not received the Shared Secret, please contact the Transferor directly. The Shared Secret is stored in encrypted form by CashEdge. No one at CashEdge has access to the Shared Secret. No one at CashEdge will know or need to know the Shared Secret, and CashEdge employees will never ask for the Shared Secret. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE FOR ANY REASON. You agree that CashEdge shall not be liable for any losses that may result if you disclose the Shared Secret to another person. (a)Privacy Policy and Confidentiality We will use the Information only to complete the Transfer as set forth in this Agreement. We will never disclose the Information to any other person for any reason unless we are required to do so by law, or to comply with government agency or court orders. Your Agreement You agree not to impersonate any person or use a name that you are not authorized to use. You warrant and represent that you are the person intended by the transferor and entitled to receive the Funds; that you are not a person whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department; and that the Information you will provide is true, correct and complete. (b)Rejection of Transfers We reserve the right to decline to complete any Transfer, even after you have agreed to all of the Terms, if we have reason to believe that completing the Transfer would result in a violation of law or expose CashEdge to liability or risk of loss. Without limiting the foregoing, we will reject any Transfer if you do not enter the Shared Secret correctly after three [3] attempts. If the Transfer is rejected for any reason, the Funds will be returned to the Transferor. Limitation of Liability Not all types of accounts are eligible for funds transfer. Be sure to check with your financial institution to verify that your Account can receive the Transfer. CashEdge is not responsible for any costs or losses incurred by you because the Transfer was not permitted under restrictions imposed by law or by the financial institution holding your Account. CashEdge will not be responsible for any acts or omissions by the financial institution holding your Account, including without limitation any modification, interruption or discontinuance of the Account by your financial institution. CashEdge will not be responsible for any charge or fee imposed on you by your financial institution in completing this Transfer. (c)Your Responsibility for Errors You understand that we must rely on the Information provided by you in order to complete the Transfer. We are not obliged to take any further steps to confirm or authenticate the Information and we will act on the Information you provide without getting further confirmation. You understand and agree that CashEdge will not be responsible to you for losses resulting from any of your errors, ambiguities or fraud in the Information that you provide. You agree to indemnify, defend and hold harmless CashEdge from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys’ fees) arising from CashEdge's reliance on the Information provided by you or from your violation of the Terms. Need Help? If you have any questions about our service or are unsure how to complete a Transfer, e-mail us at donotreply_banking@fiserv.com or telephone us at your convenienceor write to us at CashEdge Inc., 694 Tasman Drive, Milpitas, CA 95035. If you’re ready to proceed, please click on the “I Agree” button and enter your Information in the spaces provided. This Agreement shall take effect immediately upon your acceptance of the terms and conditions set forth above and when you provide us with your Account information. Thank you for using CashEdge!