Thank you for using Starion Bank’s (‘Starion’) Mobile Banking combined with your handheld's text messaging capabilities. Message & Data rates may apply. For help, text "HELP" to 96924. To cancel, text "STOP" to 96924 at any time. In case of questions please contact customer service at 1-888-258-6050 or visit www.starionbank.com .
Terms and Conditions:
• Program: Starion offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be on-going. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.
• Questions: You can contact us 1-888-258-6050, or send a text message with the word "HELP" to this number: 96924. We can answer any questions you have about the program.
• To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 96924. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.
• Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.
• Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at anytime for any reason outside of the reasonable control of Starion or any service provider. Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Starion and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Starion and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Starion its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.
Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations.
Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Starion (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Starion or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Starion, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party.
You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software. Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at Legal Notices for Google Maps/Google Earth and Google Maps/Google Earth APIs – Google, or other URLs as may be updated by Google. Mobile Deposit Capture: Mobile Deposit Capture (“MDC”) enables Personal Banking accountholders to use Starion’s application and a mobile device such as a smartphone to create electronic images of the front and back of a check and transmit those images and any other information to Starion for review and processing. Business Customers terms of use for MDC can be found in the Business Mobile Deposit Agreement and Schedule C. Starion will create a substitute check image to be used for presentment to the Paying Bank. Customers may check the status and availability of deposits on their mobile device within Starion’s application.
Deposit Cut-off Time/Limits/Endorsements: You will see Mobile deposits in your account after 4:00 pm Central Time. Any image received by Starion after 4:00 pm Central Time will be processed as if received on the following business day. The maximum you may deposit on any one item is $2,500. The combined total of mobile deposits may not exceed $2,500 per business day per user. Starion may change deposit limits on any account, at any time, without notice and at its sole discretion. You may request a change to these limits; however, approval is at the sole discretion of Starion. Any item transmitted through MDC must be restrictively endorsed as Starion Bank Mobile Deposit and Signature of Payee. Any other endorsement shall be grounds for Starion to reject the electronically submitted item. Starion may choose to refuse or return any mobile deposit at any time. Starion is not liable for doing so, even if it causes checks to be returned or an overdrawn situation to occur. Any image of an item shall be deemed received when you receive confirmation of “Pending Deposit” status in Starion’s application. Starion is not responsible for any image that we do not receive. Your Responsibilities: You are solely responsible for the proper storage, retrieval and/or destruction of the original item. Paper items should be retained for a commercially reasonable time to ensure the image was transmitted and negotiated properly. If requested, you must provide Starion with the original item within five (5) business days of the request. Paper items should then be destroyed using cross-cut shredding or other commercially acceptable methods to avoid accidental redeposit and to protect confidential information. You may only submit an item once for deposit at Starion or any other financial institution or business that accepts such checks for cashing or deposit. Any attempt to otherwise negotiate or transfer the original paper item or any image of the item after it has been electronically submitted to Starion is strictly prohibited. Such action shall be grounds to terminate your use of MDC. You are solely responsible to take reasonable precautions and use reasonable security measures to protect your mobile device(s), your bank username(s) and password(s), your operating system(s), your image transmissions and your storage and destruction of the original items. Starion assumes no responsibility for any errors, failures, or malfunctions of your mobile device, or for any virus or related problems that may occur in connection with your use of MDC. Starion assumes no obligation to offer support services for, or upgrades to Starion’s. Starion assumes no responsibility for the unavailability of Starion’s or MDC or any damages that may result from its unavailability. Starion assumes no responsibility for any technical or other difficulties or any resulting damages that may be incurred. You agree to be responsible for any transmission or transaction we receive through MDC, even if it is not authorized by you, provided it includes your password or is otherwise processed by us in accordance with our security procedures. You may not submit files containing malicious code. Security Procedures: Starion may elect to verify the authenticity or content of any transmission by placing a call to any owner or authorized user of your account. Starion may deny access to MDC without prior notice if we are unable to confirm, to our satisfaction, any person’s authority to access Mobile Banking or if we believe such action is necessary for security reasons.
Eligible Items: Items must be made payable to the accountholder only, payable in US Dollars on a financial institution located in the United States, properly endorsed with Starion Bank Mobile Deposit and Signature of Payee, dated as of the date of the electronic submission or no more than 6 months prior to the date of electronic submission. Prohibited items include (but are not limited to): any item drawn on your account; item previously returned; item stamped with a “non-negotiable” watermark; contains evidence of alteration to the information on the check; item issued by, payable by, or payable through a financial institution in a foreign country; any item that is incomplete, “stale dated” or “post-dated”; Savings Bonds; Traveler’s checks; Credit Card checks; check issued by a “Pay-Day Lender” or any other person or entity, in which your endorsement constitutes a loan contract; money order; item previously submitted for deposit whether electronically, remotely or in person; temporary checks not drawn on Starion; item payable to others (even if endorsed over to you); item payable to more than one person and all are not an account owner; item drawn by an OFAC-restricted person, country or entity; item that does not bear the ORIGINAL signature of the person on whose account the check is drawn. The fact that Starion accepts any of the items described above shall not obligate us to continue that practice, and we may stop doing so without cause or prior notice.
Returned Items: If an original item deposited through MDC is subsequently dishonored, rejected or otherwise returned unpaid by the payee bank, or is rejected or returned by a clearing agent or collecting bank, for any reason, including but not limited to, issues relating to the quality of the image, Starion may charge back the amount of the original item to your account and provide you with an image of the original item, a paper reproduction of the original item, or a substitute check. The accountholder shall use the substitution check to redeposit and should not negotiate an original check if it has been charged back to the account. Starion may debit any account(s) that belong to the accountholder to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Termination of MDC: Starion reserves the right to terminate use of MDC at any time without notice and at its sole discretion if you use MDC for any unauthorized or illegal purposes or use MDC in a manner inconsistent with the terms of your Deposit Terms and Conditions, Mobile Deposit Terms & Conditions as well as Starion Online Banking Service Agreement along with Terms and Conditions for Starion Mobile Banking or any other agreement with Starion. Any termination will not affect obligations arising prior to termination, such as the obligation to process check images transmitted to us prior to the termination date or your obligation to indemnify Starion. Charges for the Bill Pay service are as follows: Bill Pay service is free for Personal Customers. Additional services are available in Bill Pay and are charged on a per item basis on the transaction posting date: Same-Day Bill Payment $ 9.95, Overnight Check $ 14.95. All other Services shall be payable in accordance with a schedule of charges as established and amended by Starion from time to time. Charges shall be automatically deducted from your designated Account on the monthly anniversary of your enrollment date and Starion shall provide you notice of such deductions on your monthly account statement. Mobile Banking Transactions - You may access your account(s) by mobile device using your Access ID and Password at www.starionbank.com to transfer funds from checking to checking and savings, transfer funds from savings to checking and savings, transfer funds from line of credit to checking, make payments from checking to line of credit and loans, make payments from savings to line of credit and loans, get balance information about checking, savings, line of credit, loans and certificates, get deposit history about checking, savings and certificates, get transaction history about checking, savings, line of credit, loans and certificates. Transfers from your savings account to another account or to third parties by pre authorized, automatic, Internet Banking, Mobile Banking, check or telephone transfer are limited to six (6) per calendar month. Liability for failure to stop payment of preauthorized transfer: If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Limited Liability for Failure to Complete Transactions: If Starion does not complete a transfer to or from your account on time or in the correct amount according to your instructions, Starion may be liable for some of your losses or damages; however there are some exceptions. For example, Starion will not be liable in the following instances: if, through no fault of Starion, you do not have sufficient money in the applicable account to make the transfer; if the money in your account is subject to any garnishment, encumbrance, or other legal process restricting transfer; if the transfer would exceed the credit limit on your overdraft line (if any); if the system was not working properly and you knew about the breakdown when you started the transfer; if circumstances beyond Starion’s control (such as fire or flood or systems failure) prevent the transfer despite reasonable precautions that Starion has taken; or if the third party payee mishandles or delays handling payments sent by Starion; there may be other exceptions stated in our agreement with you. Limitations on frequency of transfers: PREMIUM MONEY MARKET / MONEY MARKET Savings accounts will allow transfers to be made by check; the check amount must be at least $500. You may make 6 free withdrawals or transfers from your savings account each month. A $2.95 'Excess Savings Withdrawal Charge' will be assessed for each additional withdrawal. The charge on Youth Savings accounts is $0.95. The charge on Money Market / Premium Money Market accounts is $5.95. Except as indicated elsewhere, we do not charge for or limit these electronic fund transfers. Disclosure of Account Information to Third Parties: You acknowledge that Starion may have certain legal record keeping and reporting requirements with respect to the Services and consents to Starion’s disclosure to governmental authorities of information concerning you and the Services provided which Starion believes to be appropriate or necessary to fulfill such legal requirements. You further consent that Starion may, without further notice, disclose information to third parties under the following circumstances: if it is necessary for completing transactions or resolving errors involving the Services; in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or in order to comply with government agency rules, court orders, or other applicable law; to Starion employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; as explained in Starion’s separate Privacy Policy; or upon your consent. Consumer Liability: Tell us at once if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period. Contact in event of unauthorized transfer: If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed at the end of this disclosure. You should also call the number or write to the address listed at the end of this disclosure if you believe a transfer has been made using the information from your check without your permission. Errors and Questions. In case of errors or questions about the Services or your electronic transactions, telephone Starion at a local Starion office or at 888-258-6050 from 8 a.m. to 5 p.m. Monday through Friday, or contact Starion at: Starion, Attn: Accounting, PO BOX 848, Mandan, ND 58554 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. Starion must be notified by you no later than sixty (60) days after Starion sent you the FIRST statement on which the problem or error appeared.
You will need to: tell Starion your name and account number (if applicable); describe the error or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and identify the dollar amount of the suspected error. The following sections apply only to Consumer Banking Customers. If you notify Starion verbally, Starion may require you to send written confirmation within ten (10) business days following the date of verbal notification. Starion will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first transaction to the account was made) after Starion hears from you and will correct any error promptly. If Starion needs more time, however, Starion may take up to forty-five (45) days (90 days if the transfer involved a new account or a foreign-initiated transfer) to investigate your complaint or question. If Starion decides to do this, Starion will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first transaction to the account was made) for the amount you think is in error, so that you will have use of the money during the investigatory period. If Starion requests written confirmation of your complaint or question and it is not received within ten (10) business days, Starion may not credit the account. Starion will tell you the results of the investigation within three (3) business days after completing the investigation. If Starion determines there was no error, Starion will reverse the previously credited amount, if any, and Starion will send you a written explanation within three (3) business days after completion of the investigation. You may request copies of the documents Starion used in the investigation. Preauthorized credits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money. Periodic statements: You will get a monthly account statement from us for your checking account(s). You will get a monthly account statement from us for your savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
Preauthorized Payments: If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Notice of varying amounts: If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).
Other Information: Checking and NOW Accounts consist of a transaction sub-account and a savings sub-account. This will not affect your available balance, any interest calculations, FDIC insurance or your monthly statement. Funds not routinely needed to pay debits may be transferred to the savings sub-account. The remainder of your balance will be maintained in the transaction sub-account. Daily activity will post to the transaction sub-account. If interest is paid on your account, the interest calculation will be the same for both the transaction sub-account and the savings sub-account. Otherwise, the savings sub-account will be non-interest bearing. A transfer from the savings sub-account will fund items in excess of the balance in the transaction sub-account. The savings sub-account will be governed by the same rules governing our Savings Account as stated in the Withdrawals Section of your Account Agreement. (For other restrictions, please refer to the 'Limitations on Frequency of Transfers' section.) Notice Regarding Payment of Items: Items presented for payment may not be processed in the same order as they were received and that order may affect the total fees assessed to your account. We reserve the right to post items in any order. No posting order is neutral to all parties to a transaction and understanding this fact, the bank has chosen to post items in the following general order. The first items that we pay are ATM withdrawals, debit card transactions, and any checks cashed by our employees or that you have written to us. We then pay any items that were submitted electronically, such as ACH items, preauthorized automatic transfers, telephone-initiated transfers and any other electronic transfers. Finally, we pay the remaining items based on check number order. Holds placed on your available account balance for pending debit card/electronic transactions, including gasoline, hotel/rental car deposits, etc., may reduce your available balance and cause your account to become overdrawn. Electronic consent for Mobile Banking Terms and Disclosures By consenting to the electronic delivery of the Mobile Banking Terms and Disclosures you agree to the following. You understand the use of Mobile Banking is only available if you consent to the Terms and Disclosures and you may withdraw your consent at any time. You understand you are responsible to alert Starion of changes to your contact information such as your e -mail address. You may change such information or withdraw consent by contacting Customer Service at 888-258-6050. Your consent applies to this transaction only and does not apply to other transactions that may occur between you and Starion in the future. You always have the right to receive a paper copy of your Terms and Disclosures. If you wish to receive a paper copy of your Terms and Disclosures, please contact Customer Service at 888-258-6050. The following hardware and software requirements are required in order to access Starions Mobile Banking: 1. Supported devices include: Android based phone or tablet, Apple iPhone or iPad, and Amazon Kindle 2. sufficient storage capacity on your mobile device to install the app 3. location services enabled and allowed access for app to utilize finding closest Branch or ATM function 4. device camera enabled and allowed access for app to utilize Mobile Deposit function Touch ID™ for Mobile Banking. Touch ID is an optional fingerprint sign-in method for Starion Bank Mobile Banking that is currently available for most Apple® devices that have a fingerprint scanner. To use Touch ID, you will need to save your fingerprint by going to "Settings > Touch ID & Passcode" on your Apple device to complete the setup (for more help with fingerprint scanning, contact Apple support at apple.com/support ). Fingerprints are stored on your device only and Starion Bank never sees or stores your fingerprint information. You acknowledge that by enabling Touch ID, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Starion Bank Mobile Banking. Starion Bank reserves the right to suspend or disable this feature at any time. Touch ID can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your fingerprint, you can sign in using your password. To use Touch ID for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Touch ID anytime from the Services menu within Starion Bank Mobile Banking. Apple and Touch ID are trademarks of Apple Inc. Currently, fingerprint sign-in for Starion Bank Mobile Banking is only available on compatible iOS devices. Card Controls Additional Terms. The following supplemental Terms of Use (“Supplement”) applies to the card controls feature (“Card Controls”) within the Mobile Banking mobile application (“Mobile Banking App”), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply. 1. The Card Controls feature is only available for debit cards issued by Starion Bank that you register within the Mobile Banking App. 2. The Card Controls alerts and controls you set through use of the Mobile Banking App may continue to apply, even if you delete the Mobile Banking App or remove it from your mobile device. Please contact Starion Bank to discontinue the alerts and controls. 3. Certain Card Control functionality within the Mobile Banking App may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Mobile Banking App is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the actual location of the merchant differs from the merchant’s registered address. 4. Card Controls may enable access to Starion Bank and third parties’ services and web sites, including GPS locator websites, such as Google’s. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto. 5. To the extent this Mobile Banking App allows you to access third party services, Starion Bank, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling of access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability. 6. THE MOBILE BANKING APP, THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE MOBILE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW. 7. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE MOBILE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE MOBILE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE MOBILE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE MOBILE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. 8. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. Starion Bank Alerts Terms and Conditions The following Alerts terms and conditions ("Alerts Terms of Use") only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply. Alerts. Your enrollment in Starion Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Starion Bank account(s). Alerts are provided within the following categories: • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts. • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts. • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within Starion Bank Mobile Banking. Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Starion Bank reserves the right to terminate its Alerts service at any time without prior notice to you. Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Starion Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number. Alerts via Text Message. To stop Alerts via text message, text "STOP" to 96924 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Starion Bank Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at 888-258-6050. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS. Limitations. Starion Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Starion Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Starion Bank, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose. Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages. Electronic consent for Online Banking Terms and Disclosures Revised 09.26.2019 By consenting to the electronic delivery of Online Banking Terms and Disclosures you agree to the following. You understand the use of Online Banking is only available if you consent to the Terms and Disclosures and you may withdraw your consent at any time. You understand you are responsible to alert Starion Bank (‘Starion’) of changes to your contact information such as your e -mail address. You may change such information or withdraw consent by contacting Customer Service at 888-258-6050. Your consent applies to this transaction only and does not apply to other transactions that may occur between you and Starion in the future. You always have the right to receive a paper copy of your Terms and Disclosures. If you wish to receive a paper copy of your Terms and Disclosures, please contact Customer Service at 888-258-6050. The following hardware and software requirements are required in order to access Starion’s Online Banking; 1. Supported operating systems include: Windows 7/8/10; Mac OS X 10.5 or greater; a Linux-based operating system running Kernel 2.6 or greater 2. Sufficient storage capacity on your computer's hard drive 3. An active email account accessible either through web browser or client email software 4. Operating system and telecommunications connections capable of receiving, accessing, displaying, and either printing or storing communications received from us in electronic form via plaintext-formatted email and 5. Adobe Reader 11.0 or greater is required to view, print, and/or save your online statement and legal notices. This is free software and is available for download. This Online Banking (Internet) Agreement (“Agreement”) shall govern the online banking services (“Services”) to be provided by Starion to each Customer (“you”) who is using any Services or has signed a Business Online Banking Agreement and Authorization. In consideration of the mutual covenants, agreements and promises hereinafter set forth, and for other good and valuable consideration, including your use of the Services provided by Starion, the receipt and sufficiency of which are hereby acknowledged, you and Starion hereby agree as follows: Services. The Services to be provided by Starion shall be as described from time to time in information distributed by Starion to you. You may use any Personal Computer ("PC") or mobile device through an internet connection to log into our website at www.starionbank.com to: • transfer funds from checking to checking and savings • transfer funds from savings to checking and savings • transfer funds from line of credit to checking • make payments from checking to line of credit, third parties and loans • make payments from savings to line of credit and loans • get balance information about checking, savings, line of credit, loans and certificates • get deposit history about checking, savings and certificates • get transaction history about checking, savings, line of credit, loans and certificates In addition, upon execution of the Terms and Conditions of the Bill Payment Service, you may use a PC or mobile device to electronically direct Starion to make payments from designated checking account(s) to third parties ("Payees") that you have selected to receive payment through the bill payment service. Username and Password. You and each Authorized User who has access to the Services, including each individual named on joint accounts, must designate a Password and Username. The Password must be a minimum of eight (8) characters, up to a maximum of seventeen (17) characters, which must consist of at least one (1) numeric character, plus one (1) alpha character (either upper or lower case) and is case sensitive. For example, your Password may be: welcome1. To enhance security and for your protection, Starion recommends that you change your Password at least every ninety (90) days. Starion may accept as authentic any instructions given to Starion through the use of your password. You agree that if you give the password to another individual, you are authorizing that individual to act on your behalf and Starion may accept any instructions that the individual gives Starion to make transfers, payments, or otherwise use the Services. Starion shall be liable for security breaches only to the extent required by applicable law and regulation. Starion does not assume any other liability or otherwise guarantee the security of information in transit to or from Starion’s facilities. Starion reserves the right to monitor and/or record all communications and activity related to the Services. You agree that Starion’s records will be final and conclusive as to all questions concerning whether or not your password was used in connection with a particular transaction. If any unauthorized use of the password occurs, you agree to (1) cooperate with Starion and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by Starion in recovering any unauthorized transfer of funds. Authentication. Starion can identify you by checking the computer(s) that you use to access the website. Starion’s website will remember PCs that you designate as “Authorized” and will ask you challenge questions if you are not using an “Authorized” PC to access the website. This will help prevent potential fraudsters from logging into your account even if they acquire or guess your Username and password. Equipment. You are solely responsible for the equipment (including your personal computer, mobile device and software) used to access the Services. Starion is not responsible for errors or delays or your inability to access the Services caused by your equipment. Starion is not responsible for the cost of upgrading your equipment to stay current with the Services nor is Starion responsible, under any circumstances, for any damage to your equipment or the data resident thereon. Business Days. Starion’s business days are Monday through Friday, except bank holidays. Although payments and transfers can be completed only on business days, the Services are available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of payment orders and transfers. Transfers must be scheduled by the normal cut-off time of 5:30 p.m. (Central Standard Time) on any business day in order for the transfer to be initiated for that business day. Errors and Questions. In case of errors or questions about the Services or your electronic transactions, telephone Starion at a local Starion office or at 888-258-6050 from 8 a.m. to 5 p.m. Monday through Friday, or contact Starion at: Starion Bank, Attn: Accounting, PO BOX 848, Mandan, ND 58554 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. Starion must be notified by you no later than sixty (60) days after Starion sent you the FIRST statement on which the problem or error appeared. You will need to: a. tell Starion your name and account number (if applicable); b. describe the error or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and c. identify the dollar amount of the suspected error. If you notify Starion verbally, Starion may require you to send written confirmation within ten (10) business days following the date of verbal notification. Starion will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first transaction to the account was made) after Starion hears from you and will correct any error promptly. If Starion needs more time, however, Starion may take up to forty-five (45) days (90 days if the transfer involved a new account or a foreign-initiated transfer) to investigate your complaint or question. If Starion decides to do this, Starion will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first transaction to the account was made) for the amount you think is in error, so that you will have use of the money during the investigatory period. If Starion requests written confirmation of your complaint or question and it is not received within ten (10) business days, Starion may not credit the account. Starion will tell you the results of the investigation within three (3) business days after completing the investigation. If Starion determines there was no error, Starion will reverse the previously credited amount, if any, and Starion will send you a written explanation within three (3) business days after completion of the investigation. You may request copies of the documents Starion used in the investigation. Termination. If you want to terminate your access to the Services, contact a local branch office during business hours. RECURRING TRANSFERS WILL NOT BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE SERVICES. IF YOU WANT TO TERMINATE ANY RECURRING TRANSFERS BETWEEN ACCOUNTS, PLEASE NOTIFY STARION OR DELETE THEM BEFORE CANCELLING THE SERVICES. You can cancel the Bill Pay service online under My Profile. Starion reserves the right to terminate your Services, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that you give Starion a termination notice, Starion may (but is not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. Starion also reserves the right to temporarily suspend the Services in situations deemed appropriate by Starion, in its sole and absolute discretion, including when Starion believes a breach of system security has occurred or is being attempted. Starion may consider repeated incorrect attempts to enter your Password as an indication of an attempted security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination. Liability. You agree to notify Starion immediately if your password is lost or stolen, if you believe someone else has discovered the password, or if your monthly account statement shows transactions made without your permission, preferably by calling your local branch office or 888-258-6050 during business hours. STARION CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR PINS OR UNAUTHORIZED TRANSACTIONS VIA EMAIL. Neglect by you to immediately notify Starion of a lost or stolen password or an unauthorized transaction may result in financial losses to your account (possibly the entire contents of the account), in addition to any sweep account and maximizing any line of credit. If you tell Starion within two (2) business days after you learn of the lost or stolen password or the unauthorized transaction, you can lose no more than $50. If you do NOT tell Starion within two (2) business days after you learn of the loss or theft of your Password, and Starion can prove it could have stopped someone from using your Password without your permission if you had told Starion, you could lose as much as $500. If your statement shows transactions that you did not make, tell Starion at once. If you do not tell Starion within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 days if Starion can prove that it could have prevented someone from taking the money if you had told Starion in time. If a good reason (such as a long trip or a hospital stay) kept you from telling Starion, Starion may extend the time period. Starion will exercise ordinary care in providing the Services and will be responsible for any loss sustained by you only to the extent such loss is caused by Starion’s gross negligence or willful misconduct. In no event shall clerical errors or mistakes in judgment constitute failure to exercise ordinary care, nor shall Starion have any liability for any indirect, incidental, consequential (including lost profits), special or punitive damages, whether arising in contract or in tort, and whether or not the possibility of such damages was disclosed to or could have been reasonably foreseen by Starion. Under no circumstances shall Starion be responsible for any liability, loss or damage resulting from any delay in performance of or failure to perform in connection with the Services which is caused by interruption of telephone, telefacsimile or communication facilities, delay in transportation, equipment breakdown or mechanical malfunction, electrical, power or computer failure, accidents, fire, flood, explosion, theft, natural disaster or other catastrophe, acts or failure to act by you or any third party, strikes or lockouts, emergency conditions, riots, war, acts of government or other circumstances which are unavoidable or beyond Starion’s control. Starion shall not be liable for failure to perform any of its obligations in connection with the Services if such performance would result in it being in breach of any law, regulation or requirement of any governmental authority. Stop Payments. The submission of a Stop Payment through the Online Banking system will be considered a written request for the Stop Payment and will be effective for a period of 6 months. The authentication of your username and password will be considered your electronic signature authorizing the written request for a Stop Payment Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money. Periodic statements. You will get a monthly account statement from us for your checking account(s). You will get a monthly account statement from us for your savings account(s), unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. Preauthorized Payments. Right to stop payment and procedure for doing so - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payments, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set). Indemnification. You shall indemnify and hold harmless Starion and each of its directors, officers, employees, agents, successors and assigns ("Indemnitees") from and against all fines, assessments, liability, loss and damage of any kind (including attorneys' fees and other costs incurred in connection therewith) incurred by or asserted against such Indemnitees in any way relating to or arising out of the Services, except to the extent such liability, loss or damage is caused by the gross negligence or willful misconduct of such Indemnitees (provided that reliance, without further investigation, on any oral, telephonic, electronic, written or other request, notice or instruction believed in good faith to have been given by you will in no event constitute gross negligence or willful misconduct on the part of such Indemnitees). Security Procedures and Communications. You agree to use all security procedures required by Starion, and further agree that such security procedures are commercially reasonable. Starion shall not be obligated to act on a communication not transmitted in accordance with any required security procedures and may refuse to act on any communication where Starion reasonably doubts its authorization, contents, origination or compliance with the security procedures. Starion shall have no duty to discover, and shall not be liable for, errors or omissions by you. Starion reserves the right to issue new security procedures and/or to cancel or change any security procedures from time to time and you agree to abide by the new procedures. Whenever the security procedures include the assigning of any confidential password, logon identification, identification code, personal or location identification number, repetitive code, or similar security device to you, you shall not disclose such security device except to employees or agents authorized to act for you in connection with the Services. You shall implement such safeguards as are reasonably necessary to ensure the confidentiality and integrity of such security devices, and shall immediately notify Starion if the confidentiality or integrity of any such security device is breached or threatened. You shall be solely responsible for the safekeeping of such security devices and assume all risk of accidental disclosure or inadvertent use of such security devices by any party whatsoever, whether such disclosure or use is on account of Customer negligence or deliberate acts or otherwise. Starion shall not be liable for any loss or damage resulting from fraudulent, unauthorized or otherwise improper use of any security devices. Starion recommends and encourages the practice of password protecting and/or locking all devices. General. a. Waivers. No waiver of your obligations under this Agreement shall be deemed to take place unless the waiver is in writing and signed by Starion. b. Fiduciary Status. Nothing contained herein shall be deemed to create fiduciary status on the part of Starion in connection with the provision of the Services. c. Governing Law. Except to the extent superseded by Federal law, the provision of Services shall be governed by the laws of the state of North Dakota. You agree that the Burleigh County District Court in Bismarck, North Dakota, shall have jurisdiction to hear any dispute arising out of the Services and submits to the jurisdiction of such courts. d. Waiver of Jury Trial. YOU AND STARION WAIVE ALL RIGHTS TO TRIAL BY JURY IN ANY LITIGATION OR OTHER PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES USED BY YOU. e. Severability. If any provision of this Agreement shall be prohibited by or invalid under applicable law, rule or regulation, such provision shall be ineffective only to the extent of such prohibition or invalidity without invalidating the remainder of such provision or any remaining provisions of this Agreement. f. Benefit. This Agreement shall be binding upon and inure to the benefit of the heirs, personal representatives, successors, and permitted assigns of the parties. Delivery of Your Transfers. You may schedule transfers to be initiated on the current business day, on a future date, or on the same date of each month, subject to the restrictions in any other applicable agreement between you and Starion. Although you can enter transfer information through the Services twenty-four (24) hours a day, seven (7) days a week, transfers can be initiated only on business days. Funds will be processed on the designated accounts on the business day on which a transfer is to be initiated. Transfers must be scheduled by the normal cut-off time of 5:30 p.m. (Central Standard Time) on any business day in order for the transfer to be initiated for that business day. If you direct the initiation of a transfer to occur on a day other than a business day, the transfer will be initiated on the previous business day. Recurring Scheduled Transfers. Scheduled transfers are those made for the same amount and are made on a weekly, bi-monthly, monthly or other regular basis. Once started, scheduled transfers will be made automatically until you delete the transfer or call or write Starion at the phone number or address listed in this Agreement in time for Starion to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, Starion may also require you to put your request in writing and get it to Starion within fourteen (14) days after you call. Limitations on frequency of transfers. In addition to any limitations described elsewhere, the following limitations apply to your savings accounts: PREMIUM MONEY MARKET / MONEY Market Savings accounts will allow transfers to be made by check; the check amount must be at least $500. • You may make 6 free withdrawals or transfers from your savings account each month. A $2.95 'Excess Savings Withdrawal Charge' will be assessed for each additional withdrawal. The charge on Youth Savings accounts is $0.95. The charge on Money Market / Premium Money Market accounts is $5.95 Except as indicated elsewhere, we do not charge for or limit these electronic fund transfers. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Limited Liability for Failure to Complete Transactions. If Starion does not complete a transfer to or from your account on time or in the correct amount according to your instructions, Starion may be liable for some of your losses or damages; however there are some exceptions. For example, Starion will not be liable in the following instances: a. if, through no fault of Starion, you do not have sufficient money in the applicable account to make the transfer; b. if the money in your account is subject to legal process or other encumbrances restricting transfer; c. if the transfer would exceed the credit limit on your overdraft line (if any); d. if the system was not working properly and you knew about the breakdown when you started the transfer; e. if circumstances beyond Starion’s control (such as fire or flood or systems failure) prevent the transfer despite reasonable precautions that Starion has taken; or f. if the third party payee mishandles or delays handling payments sent by Starion. g. there may be other exceptions stated in our agreement with you. Statements. All payments, transfers, and/or charges made with Services will appear on your monthly account statement. Charges. There is no charge for the Services, other than the Bill Pay service. Charges for the Bill Pay service are as follows: (For purposes of this paragraph, each month shall begin on the monthly anniversary of your enrollment date.) * Bill Pay is free for consumer accounts. Additional services are available & are charged on a per item basis on the transaction posting date: Same-Day payment $9.95; Overnight check $14.95. Disclosure of Account Information to Third Parties. You acknowledge that Starion may have certain legal record keeping and reporting requirements with respect to the Services and consents to Starion’s disclosure to governmental authorities of information concerning you and the Services provided which Starion believes to be appropriate or necessary to fulfill such legal requirements. You further consent that Starion may, without further notice, disclose information to third parties under the following circumstances: a. if it is necessary for completing transactions or resolving errors involving the Services; or b. in order to verify the existence and condition of your account for a third party, such as a credit bureau or a merchant; or c. in order to comply with government agency rules, court orders, or other applicable law; or d. to Starion employees, service providers, auditors, collection agents, affiliated companies, or attorneys in the course of their duties and to the extent allowed by law; or e. as explained in Starion’s separate Privacy Policy; or f. upon your consent. Amendments. Starion may change terms or conditions of this Agreement at any time. You will be requested to accept a new Agreement if any changes have been made. Starion does not need to provide you with any prior notice when an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of Starion’s system or an account. Changes to Bill Pay charges, and changes to this Agreement which would increase your liability or result in fewer Services, will be provided to you at least thirty (30) days before the effective date of any such change. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the most recent address Starion shows for you in our checking account records or to an e-mail address which you have authorized to receive such notices and/or disclosures. Notice Regarding Payment of Item. Working with you to be your financial partner is important to us. To help that partnership run smoothly, it is important that you be aware of the order in which we pay items you write against your demand deposit account. When processing items drawn on your account, our policy is to pay items in numerical sequence. Lower numbers are paid first. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The law permits us to pay items drawn on your account in any order. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer overdraft charges, but the largest - and perhaps most important - items (such as rent or mortgage payments) might not be paid. By paying in numerical sequence, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item or return the item. The amounts of the overdraft charges have been disclosed to you previously. We encourage you to make careful records and practice good account management. This will help to avoid writing items without sufficient funds and incurring the resulting charges. Other Information. Checking and NOW Accounts consist of a transaction sub-account and a savings sub-account. This will not affect your available balance, any interest calculations, FDIC insurance or your monthly statement. Funds not routinely needed to pay debits may be transferred to the savings sub-account. The remainder of your balance will be maintained in the transaction sub-account. Daily activity will post to the transaction sub-account. If interest is paid on your account, the interest calculation will be the same for both the transaction sub-account and the savings sub-account. Otherwise, the savings sub-account will be non-interest bearing. A transfer from the savings sub-account will fund items in excess of the balance in the transaction sub-account. The savings sub-account will be governed by the same rules governing our Savings Account as stated in the Withdrawals Section of your Account Agreement. (For other restrictions, please refer to the 'Limitations on Frequency of Transfers' section.)
Revised 02/17/2022