Changes to Terms and Conditions of Your Account Notice dtd 1/11/12

No action is required by you.

Stops Pays – You have the right to stop payment on checks you have written and electronic payments even though you did not sign the item.

Your Duty to Report Other Errors – You agree to examine your statements in a timely manner and to report those errors (encoding, alterations, etc) to UB ASAP.

Temporary Account Agreement – We may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements or to obtain signatures within a reasonable time frame.

Check Processing – We process all items automatically and therefore do not inspect items individually for endorsement, signature and properly completion ,therefore helping to keep costs down for accountholders.

Check Cashing – We reserve the right to charge a fee for cashing a check for a non-accountholder and require identification to do so.

Remotely Created Checks – Checks created in a remote circumstance (Over the phone or by authorization by customer includes credit cards, utilities, cell phone bill, student loan, etc) require the following—you must have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check. You must maintain proof of the authorization for at least 2 years from the date of the authorization. You must be able to supply us the proof if we ask. If a check is returned you owe us the amount of the check, regardless of when the check is returned. We may take funds from your account to pay the amount you owe us, and if there are NSF funds in your account, you still owe us the remaining balance.

Commercial Accounts Only

Commercial accounts are prohibited by law to open an account for the purpose of an internet gambling site.