Personal Online Banking Disclosure

Signature Bank Online Banking (NetTeller) - Consumer Service
Terms and Conditions Agreement & Electronic Funds Transfer Disclosure

This Signature Bank NetTeller - Consumer Service Terms and Conditions Disclosure Agreement ("Agreement") provides information about Signature Bank NetTeller ("Banking Service"), a consumer electronic banking service. Services include bill payment and funds transfers performed by using your personal computer (PC) with an Internet connection. For the purpose of this document, "You" and "Your" shall refer to each Depositor who signs up for Signature Bank NetTeller. "We," "Our," "Us," or "Bank" shall refer to Signature Bank. All references to time of day in this Agreement shall be Eastern Standard Time or Daylight Savings Time in the Eastern Time zone.

Definitions:

Funding Account(s)/Receiving Account(s)
Funding Account(s) are account(s) accessible through the Signature Bank NetTeller service used for the initiation of transfers and/or bill payments. Receiving Account(s) are those account(s) accessible through the Signature Bank NetTeller service which receive funds that are being transferred from a funding account.

Effective Date
The effective date is the date for which a scheduled transaction is to take place.

Business Days
Signature Bank’s business days are Monday through Friday. Weekends and Federal holidays are not included. The bank may be open on Saturdays or certain federal holidays; however, online transactions will not be processed until the next business day.

Balance
Any balance shown by NetTeller will include a date as of which the balance is current. The balance shown may not be your actual available balance, it may include deposits still subject to verification by us. The balance shown may also differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, or charges, or items in process that were made after cutoff times.

Available Funds
The Balance (See definition of Balance) in the account which includes funds available Overdraft Line of Credit, if applicable. (Overdraft Line of Credit service is detailed in the Personal Accounts, Additional Services Section.)

A. Application for Signature Bank Online Banking Service

Signature Bank NetTeller is a menu option or "button" found on Signature Bank’s home page signaturebankmi.com . You may become eligible for this Banking Service by completing a Signature Bank Personal Online Banking Application at a Signature Bank location or mailing a signed Personal Online Banking Application from the Forms Library section. Application forms are subject to approval by the Bank and, in order to use this Banking Service, you must have an account in good standing with the Bank. By signing the Signature Bank Personal Online Banking Application, you agree to the terms of this Agreement. Joint accounts will qualify for this Banking Service provided only one signature is required to authorize withdrawals. Accounts requiring two or more signatures will not qualify for this Banking Service. You must individually or jointly own all accounts accessible through this Banking Service.

B. Equipment and Technical Requirements

It is your responsibility to acquire the software or equipment necessary to use this Banking Service. To access Signature Bank NetTeller and to perform transactions, you must have an Internet access with a web browser that supports 128-bit encryption. You acknowledge that access to this Banking Service and the availability of services hereunder is at all times conditioned upon the availability of the computer services, software and system used to communicate your instructions and Bank's responses. BANK WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE INCURRED OR SUFFERED BY YOU AS A RESULT, DIRECTLY OR INDIRECTLY, OF ANY FAILURE, INTERRUPTION, SUSPENSION OR TERMINATION OF SUCH SERVICES OR SYSTEM FOR WHATEVER REASON, INCLUDING BUT NOT LIMITED TO THE ACTS OR OMISSIONS OF THE SERVICE OWNER OR ANY THIRD PARTY.

C. Services and General Information About Signature Bank NetTeller

You may use this Banking Service anytime, day or night, seven (7) days a week with your Signature Bank Online ID and Password to satisfy the system's security procedures. From time to time, access to this Banking Service may be temporarily unavailable due to the Bank's record updating, performing regular maintenance or experiencing technical difficulties. We will attempt to provide notification in advance of any possible interruption of service.

The following functions may be performed when using this Banking Service:

  1. Obtain information on your checking, savings, money market and loan account(s) such as balance inquiries, posted transactions, check images and statements;
  2. Transfer funds electronically between accounts at Signature Bank;
  3. Access your checking account(s) to pay most bills;
  4. Change your Signature Bank Online ID and Password; and
  5. Send electronic mail to the Bank and receive electronic mail from the Bank.

You authorize the Bank to charge your account(s) and facilitate the requests you initiate using this Banking Service for bill payments and/or transfers, including the amount for any recurring bill payment or transfer, plus any service charges for this Banking Service. Before any bill payment and/or transfer requests are processed, sufficient available funds must be in the account(s) from which the funds are to be debited.

With respect to savings accounts and money market accounts, Regulation D allows you no more than six transfers or withdrawals per month unless these transfers/withdrawals are made in person by entering a Signature Bank office or by mail, for repaying loans held in your name at this Bank or through the use of an ATM machine. Should you exceed the permitted number of transfers/withdrawals on an account, the Bank will be required to close the account, impose a fee, and/or change the account to another demand deposit account.

D. Confidentiality and Security

The circumstances, under which we will disclose information about you or your accounts, have been separately disclosed to you in our Privacy Policy and in other disclosures, which have been provided directly to you. Our Privacy Policy may change from time to time and is always available on-line and at our retail locations.

You understand that all Online IDs, Passwords and any other security codes (collectively, the "Codes") provided to you by the Bank in connection with this Banking Service are confidential and should not be disclosed to third parties. You will be asked to change your Password the first time you access this Banking Service. You are responsible for the safekeeping of your Codes, and agree not to disclose or otherwise make your Codes available to anyone not authorized to sign on your accounts. If the confidentiality of your Codes is compromised, you shall notify us immediately. If you furnish your Signature Bank NetTeller Codes to another person and grant authority to that person to make bill payments who then exceeds that authority, you are liable for all subsequent bill payments and/or transfers until we have been notified that bill payments and/or transfers by that person are no longer authorized. You agree that these security procedures are commercially reasonable and are designed to authenticate your transactions. EXCEPT AS SET FORTH HERE IN THIS AGREEMENT, BANK WILL NOT BE LIABLE FOR ANY LOSS SUFFERED BY CLIENT AS A RESULT, DIRECTLY OR INDIRECTLY, OF ANY UNAUTHORIZED PERSON GAINING ACCESS TO OR OTHERWISE MAKING USE OF THE SERVICE, EXCEPT AS MAY BE PROVIDED BY REGULATIONS.

E. Bill Payments

Bill payments may be initiated in two different transaction modes – One-Time and Recurring. In order to pay bills, you must establish your payees. Payees may either receive payments via an electronic transmission or a check drawn on your account. Electronic payments will typically be received by the payee within two (2) business days, and will be deducted from your account on the date you specify. Check or paper payments will typically be received by the payee within five (5) business days, and will be deducted from your account at the time the check is presented to the Bank, if funds are available in the funding account.

You understand that if a bill payment request describes the beneficiary inconsistently by name and account number, execution of the request will occur on the basis of the account number, even if it identifies a person other than the named beneficiary. You must allow sufficient time for the payee to receive the bill payment before the due date the payee provides you, excluding grace periods. If you do not allow sufficient time for a bill payment, you assume full responsibility for all late fees, finance charges and any other actions initiated by the payee against you. If a check or paper bill payment is not received by a payee for any reason, with your authorization, the Bank will place a stop payment on the check and the Bank’s normal stop payment fees will be assessed. In all instances, it is your responsibility to reschedule the bill payment.

For bill payment transactions to be processed on the same business day you are requesting the payment, this request for payment must be sent to the Bank through this Banking Service no later than 1:00 PM EST. One-time bill payments scheduled to be processed on the same day may be canceled up until 1:00 PM EST. One-time bill payments scheduled for a future date and recurring bill payments will be processed on the "effective date" or the prior business day if the "effective date" is a weekend or holiday. One-time bill payments scheduled for a future date and recurring bill payments may be changed or canceled until 1:00 PM EST of the day of the "effective date." If the "effective date" falls on a weekend or holiday, then the future dated or recurring bill payment must be changed or canceled before 1:00 PM EST of the business day before the weekend or holiday.

If an electronic payment transaction is not processed because there are not sufficient funds in the funding account, we are not responsible for the failure of this transaction. You will receive a message within your Signature Bank NetTeller service advising you that the bill payment transaction could not be processed. In the instance the bill payment is not processed due to insufficient available funds, the service will continue to retry processing the payment until funds are available.

If there are insufficient available funds in your account at the time a bill payment check is presented for payment, the check will be returned to the payee and the Bank's normal insufficient funds fee will be assessed.

The Bank is responsible only for exercising reasonable and ordinary care in making bill payments upon your authorization and for sending or mailing a bill payment to the designated payee based on the circumstances as outlined.

THE BANK IS NOT LIABLE IN ANY WAY FOR DAMAGES YOU INCUR IF:

  1. THERE ARE NOT SUFFICIENT AVAILABLE FUNDS IN YOUR ACCOUNT(S) TO MAKE THE BILL PAYMENTS OR TRANSFERS;
  2. THE ESTIMATED TIME OF DELIVERY TO THE PAYEE IS INACCURATE;
  3. THERE ARE DELAYS IN MAIL DELIVERY;
  4. THERE ARE PAYEE CHANGES OF ADDRESS OR ACCOUNT NUMBER;
  5. THE PAYEE FAILS TO APPLY THE PAYMENT IN A TIMELY MANNER;
  6. TO THE EXTENT NOT PROHIBITED BY REGULATION E, ANY OTHER CIRCUMSTANCE WHICH IS BEYOND OUR REASONABLE CONTROL OR ANY CIRCUMSTANCE IF ATTRIBUTABLE, IN WHOLE OR IN PART, TO YOU OR TO THIRD PARTIES.

F. NetTeller Transfers

Transfers may be scheduled using the Signature Bank NetTeller service between accounts at the Bank which have been made accessible via this Banking Service. Transfer(s) scheduled before 5:00 PM EST will be reflected in your account and available for your use at the time the transfer is initiated and will post to your account the same day. Transfers scheduled after 5:00 PM EST will also be reflected in your account and available for your use at the time the transfer is initiated but may post to your account the next business day.

One-time transfers scheduled for a future date and recurring transfers will be automatically credited on the "effective date" or the next business day, if the "effective date" is a weekend or holiday. One-time transfers scheduled for a future date and recurring transfers may be changed or canceled until 5:00 PM EST on the "effective date."

THE BANK IS NOT LIABLE IN ANY WAY FOR DAMAGES YOU INCUR IF:

  1. THERE ARE NOT SUFFICIENT AVAILABLE FUNDS IN YOUR FUNDING ACCOUNT(S) TO MAKE A TRANSFER;
  2. THE INCORRECT ACCOUNT NUMBER (S) FOR THE FUNDING ACCOUNT(S) AND/OR RECEIVING ACCOUNT(S) WERE GIVEN WHEN THE TRANSACTION WAS INITIATED;
  3. TO THE EXTENT NOT PROHIBITED BY REGULATION E, ANY OTHER CIRCUMSTANCE WHICH IS BEYOND OUR REASONABLE CONTROL OR ANY CIRCUMSTANCE IF ATTRIBUTABLE, IN WHOLE OR IN PART, TO YOU OR TO THIRD PARTIES.

G. Authorization to Charge Accounts

You authorize the Bank to charge your funding account(s) or any other deposit account(s) owned by you at this Bank for any transactions accomplished through the use of this Banking Service, including the amount of any bill payment or transfer that you make, and any charges for the service. You understand that in adding a payee or maintaining a payee list, even if no payments are scheduled, you are electing to use the full Signature Bank NetTeller service with the Bill Payment feature and therefore will be charged accordingly. You authorize the Bank to process bill payments and to transfer funds according to the instructions the Bank receives if the instructions are received by the Bank through this Banking Service. You authorize the Bank to initiate any reversing entry or correcting entry and to debit your accounts at Signature Bank or elsewhere, in order to correct any mistaken entry.

You understand that if a bill payment or transfer request describes the beneficiary inconsistently by name and account number, execution of the request will occur on the basis of the account number, even if it identifies a person other than the named beneficiary. Further, Signature Bank and other financial institutions or merchants to which a bill payment or transfer request is forwarded may rely on any identification number supplied by you as a means to identify any other financial institution or merchant, even if the identification number is other than that of the financial institution or merchant named by you. Your obligation to pay the amount of the bill payment and/or transfer to Signature Bank is not excused in such circumstances.

H. Charges and Fees; Bank Right of Hold and Setoff

Currently, Signature Bank has no fee for NetTeller, but there may be a fee associated with Bill Payment.

You agree that Bank may, in its sole discretion, debit or place a hold on funds in any account (individual or joint) maintained by you with Bank or any affiliate of Bank, for payment of any obligation (whether direct or indirect, absolute or contingent, due or to become due) of you under this Agreement, and that Bank may setoff against any amount it owes to you, in order to obtain payment of your obligation under this Agreement.

I. Liability for Unauthorized Use

You will notify the Bank immediately if you believe your Online ID, Password and any other security codes (collectively, the "Codes") have become known to an unauthorized person, or have been lost or stolen. The best way to keep your possible losses to a minimum is to telephone or e-mail the bank (See Section "M"). If you suggest that an unauthorized bill payment or transfer may have occurred, we may require you to sign an affidavit concerning the details. Your liability for unauthorized use is limited by Regulation "E" (which implements the Electronic Fund Transfer Act) and Regulation "Z" (which implements the Truth in Lending Act) which provide:

  1. You could lose all the money in your deposit account(s) accessed through this Banking Service (plus your maximum overdraft line of credit, if any) if you do not inform the Bank that your Codes have become known to an unauthorized person or has been lost or stolen. If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if an unauthorized person uses your Codes to access this Banking Service without your permission. You may lose up to an additional $50.00 if the checking account or funding account has an overdraft line of credit feature.
  2. If you do not tell the Bank within two (2) business days after you have learned that your Codes have become known to an unauthorized person or have been lost or stolen, and we can prove that we could have stopped someone from using your Codes to access this Banking Service without your permission if you had told us, you could be liable for as much as $500.00. You may lose up to an additional $50.00 if the checking account or funding account has an overdraft line of credit feature.
  3. Also, if your statement shows Signature Bank NetTeller transactions that you did not make, you will notify the Bank immediately. We may require you to provide your complaint in the form of an affidavit. If you do not tell us within sixty (60) days after the statement was mailed to you at your address as it appears on our account records, you may not get back any money you have lost after the sixty (60) days if the Bank can prove that we could have stopped someone from taking the money if you had told us in time.
  4. If a good reason (such as a long trip or a hospital stay) kept you from telling the Bank, we will extend the time periods.

However, you do agree to indemnify us against any losses we sustain related to this Banking Service and not prohibited by Government Regulations.

J. Notification of Unauthorized Transaction or Lost or Stolen Access Device

If you believe your Codes have become known by an unauthorized person or has been lost or stolen, or that someone has made bill payments or transferred money without your permission, you will immediately call Signature Bank toll free at
1-888-269-1870
.

To the extent not prohibited by Government Regulations, you agree to indemnify us against any losses we sustain as it relates to this Banking Service.

K. Liability for Failure to Make Payments

If the Bank does not send a bill payment or make a transfer on time, or in the correct amount, according to your instructions given in accordance with this Agreement, the Bank's liability will not exceed the amount of the total fees you paid to the Bank under Schedule "A" for the services provided under this Agreement in the six (6) month period preceding the date which the claim first accrued. However, there are some exceptions.

We will not be liable, for instance, if:

  1. Through no fault of ours, your checking account(s) and/or funding account(s) do not contain sufficient funds to make the payment or transfer;
  2. The bill payment or transfer would go over the credit limit of your overdraft line of credit;
  3. The equipment, phone lines, or computer systems were not working properly or were temporarily unavailable;
  4. Circumstances beyond our scope of control, such as fire or flood, prevented the bill payment or transfer, despite reasonable precautions that we have taken;
  5. A court order or legal process prevents us from making a bill payment or transfer;
  6. You have previously reported your Password was stolen, or if we have a reasonable basis for believing unauthorized use of your Password or designated account has occurred or may be occurring, or if you default under any agreement with the Bank, or if the Bank or you terminate this Agreement; or
  7. The payee does not process a payment correctly, or in a timely manner.

WITH THE EXCEPTION OF ACTUAL DAMAGES CAUSED BY OUR GROSS NEGLIGENCE OR FRAUD, AND EXCEPT AS OTHERWISE SPECIFICALLY STATED IN THIS AGREEMENT, OUR SOLE LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY LOSS, DAMAGE, OR INJURY (INCLUDING BUT NOT LIMITED TO CLAIMS FOR BREACH OF CONTRACT OR NEGLIGENCE) SHALL NOT EXCEED AND SHALL BE LIMITED TO THE TOTAL FEES WHICH YOU PAID TO BANK UNDER LISTED IN THE SCHEDULE OF SERVICES, FOR THE SERVICES PROVIDED UNDER THIS AGREEMENT IN THE SIX (6) MONTH PERIOD PRECEDING THE DATE WHICH THE CLAIM FIRST ACCRUED. IN NO EVENT SHALL THE BANK BE LIABLE FOR LOSS OF GOODWILL, LOST PROFITS, OR FOR SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR ANY OTHER DAMAGES NOT SPECIFIED ARISING FROM YOUR USE OF THE SERVICES UNDER THIS AGREEMENT, EVEN IF BANK SHALL BE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THE BANK MAKES NO WARRANTIES WITH RESPECT TO THE ENCRYPTION OR SECURITY OF INFORMATION TRANSFERRED VIA THE INTERNET, AND THE BANK SHALL HAVE NO LIABILITY WHATSOEVER FOR THE BREACH OF ANY SUCH SECURITY EXCEPT AS MAY BE PROVIDED BY REGULATIONS.

There may be other exceptions stated in the Bank's agreements with you, and our liability may be further limited as stated in these agreements. If any of the circumstances listed in subparagraph "3" or "4" shall occur, the Bank, without assuming liability, will assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct transactions that have been incorrectly processed.

L. Standard of Care

The Bank will use due care and act in good faith in connection with providing the services to you. The Bank does not warrant or represent that this Banking Service will operate uninterrupted or that this Banking Service will be error free. The Bank will use reasonable commercial efforts under the circumstances to contract with third parties as required for the products and services on which this Banking Service is dependent including, but not limited to: communication carriers, network service providers, equipment manufacturers and their associated hardware and software providers.

M. Errors or Questions

You can telephone us toll free at 1-888-269-1870, send an e-mail via the Signature Bank NetTeller service or write to:

Signature Bank
Attention: NetTeller
One East Huron Ave
Bad Axe, MI, 48413

as soon as you realize your statement or receipt is wrong or if you need more information about a bill payment or transfer listed on the statement or receipt. The Bank must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. You must:

  1. Tell us your name and account number;
  2. Describe the error, bill payment or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need information; and
  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require you to send to us your complaint or question in writing within ten (10) business days. We may also require you to provide your complaint in the form of an affidavit. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of your money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If the Bank determines there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If the error or question does not involve a bill payment or transfer of funds transaction through this Banking Service, different error notification procedures may apply. Please refer to the Bank's Personal All in One Disclosure which may be obtained from any Signature Bank retail office.

N. Account Information Disclosure

We have the right to disclose information to third parties about your account and the bill payments or transfers you make:

  1. When it is necessary for verifying or completing bill payments or transfers, or resolving a problem relating to a bill payment or transfer;
  2. In order to verify the existence and the condition of your account for a third party, such as a credit bureau or payee authorized by you;
  3. In order to comply with government agency or court orders;
  4. With any subsidiary or affiliate for the purpose of completing transactions as requested by you;
  5. When you give us your written permission; or
  6. As otherwise permitted in Signature Banks Personal All in One Disclosure, by applicable law, as required by Government Regulations, or as necessary in the event of a national emergency.

O. Documentation and Verification of Bill Payments and Transfers

  1. Confirmation Numbers
    Upon scheduling of a transaction using this Banking Service, a confirmation number will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record) or you may wish to print the confirmation screen. These procedures will help in resolving any problems that may occur. Other than your ability to print the confirmation screen, no printed receipts are issued through this Banking Service.
  2. Preauthorized Deposits
    If you have arranged to have direct deposits made to your account, you can find out whether or not the deposit has been made through this Banking Service.
  3. Periodic Statements
    Information concerning Signature Bank NetTeller transactions will be shown on your normal monthly checking account statement for the account(s) from which bill payments or transfers are made. If you have a savings account linked to this Banking Service, you will receive a monthly savings statement unless there are no electronic transactions in a particular month; you will at least receive a quarterly savings statement.

P. Other Conditions

You are responsible for complying with all terms of this Agreement and the regulations governing the deposit accounts which you access using this Banking Service. We can terminate your Signature Bank NetTeller privileges without notice to you if you do not comply with the terms of any agreements associated with your accounts and/or your Signature Bank NetTeller service, as modified from time to time.

Except as governed by federal law or regulation, the terms and conditions of this Agreement shall be governed by the substantive laws of the United States and the laws of the state where Signature Bank is located, without regard to such state’s rules regarding conflict of laws and without regard to your state of residence. The venue for all litigation relating to this Agreement shall be in any county in Michigan in which the Bank has a retail office.

If either party utilizes the services of an attorney to enforce this Agreement through legal proceedings, then the prevailing party shall be entitled to recover its/his/her legal expenses, including attorneys' fee on both the trial and appellate levels. We utilize the services of third party providers to complete bill payments and transfers. Such providers may occasionally experience network or system downtime; therefore, you are advised to transmit instructions through Signature Bank NetTeller service at your earliest opportunity to reduce the possibility of a delay.

Q. Change In Terms

Changes in the terms of the Signature Bank NetTeller - Consumer Service Terms and Conditions Agreement & Electronic Funds Transfer Disclosure may be made by the Bank from time to time and shall become effective upon the earlier of:

  1. The expiration of a thirty (30) day period of posting of such changes in the Bank; or
  2. Thirty (30) days after the mailing, electronic mailing or delivery of notice thereof to the depositor by enclosing the notice in your monthly statement. If there is more than one depositor, then the Bank will only send the notice of change to one depositor. Mailing or electronic mailing of a revised Signature Bank NetTeller - Consumer Service Terms and Conditions Agreement & Electronic Funds Transfer Disclosure shall constitute notice of change in this service. The revised Agreement will become applicable to this service on the date specified unless you close your account before that date. You acknowledge and are aware that the Bank's current rules, Personal All in One Disclosure are always available at any retail office.

R. Terms and Conditions Disclosure

By using this Banking Service, you acknowledge receipt of and agree to be bound by this Signature Bank NetTeller – Consumer Service Terms and Conditions Agreement & Electronic Funds Transfer Disclosure, as well as, the Signature Bank Personal All in One Disclosure, which were received by you at the time your account was opened, plus any amendments to these instruments, which will be furnished to you as they occur. If there are any changes with any of these agreements and/or brochures, the latest dated document will govern.

S. Notices

Except where this Agreement specifically authorizes telephone notice or electronic mail notices, all notices to Bank under this Agreement shall be in writing and shall be delivered in person or by United States mail, certified mail, return receipt requested. Notice shall be deemed to be given at the time of hand delivery or three (3) calendar days after the date on which it is mailed by certified mail.

All notices to you shall be sent to your address as it appears in our account records. Notices to the Bank shall be sent to:

Signature Bank
Attention: NetTeller
One East Huron Avenue
Bad Axe, MI, 48413,

or may be sent by electronic mail using the Signature Bank NetTeller service. If there is more than one signer on an account, notice to one of you is notice to all. Other than as specifically provided herein, notices to the Bank are effective when received.

T. Service Maintenance and Cancellation

If you would like to add or delete accounts, of if you would like to cancel this Banking Service and/or the bill payment feature, you may do so at anytime by notifying the Bank. Notices to the Bank shall be sent to:

Signature Bank
Attention: NetTeller
One East Huron Ave
Bad Axe, MI , 48413,

or may be sent by electronic mail using the Signature Bank NetTeller service.

U. Disclaimer of Warranties

Except as expressly set forth in this Agreement, the Bank makes no representations or warranties, expressed or implied, including without limitation any warranty or merchantability or fitness for a particular purpose with respect to the services to be provided under this Agreement. The Bank does not own the software which is incorporated in the Signature Bank NetTeller service.

V. Survival

Sections E, F, G, H, I, J, K, N, P, R, and U shall survive the termination of this Agreement.

Refer to Signature Banks Schedule of Services Brochure for a complete listing of other fees related to your account(s).

Online Banking Service

Charge

Signature Bank NetTeller
Includes:

  • Ability to View Balance Information on Accounts
  • Current Day Balance and Transaction Information

No Charge

Signature Bank Bill Payment
Includes:

  • Ability to Pay Bills Online
  • Create One-Time or Recurring Payments

No Charge for Personal Accounts

Member FDICEqual Housing Lender