Table of Contents 1. Internet Banking Services 2 2. Use and Termination of Services 2 3. Passwords, Authentication and Security 3 4. Internet Banking Services Fees 5 5. Business Days and Hours 5 6. Liability 6 7. Errors of Questions 8 8. Confidentiality 8 9. Payment and Transfer Limitations 9 10. Payment Amendments and Cancellations 10 11. Preauthorized Payments (For Consumer Electronic Funds Transfers Only) 10 12. Bill Payment Services 10 13. ACH Services 12 14. Positive Pay Services (For Business Clients Only) 14 15. Account Reconciliation Services (for Business Clients Only) 15 16. Stop Payment on a Check 15 17. Failed or Returned Transactions 15 18. eStatement Service 15 19. Disclaimer of Warranties 16 20. Intellectual Property and Other Proprietary Rights 17 21. Regulation and Export of Software 17 22. Indemnification 17 23. Third Party Links 17 24. Cutoff Times 18 25. Offer of Online Banking Services through Affiliates or Third Parties 18 26. Miscellaneous 18 WIA134667 010198O80613 CONFIDENTIAL - PURSUANT TO FED. R. GRIM. P. 6(e) DB-SDNY-0 103861 CONFIDENTIAL SDNY_GM_00250045 EFTA01448746