Stifel Account Agreement

IF YOU SEND AN E-MAIL MESSAGE TO THE BANK, the bank is presumed to have received it the next business day. Don`t rely on email if you need to report an unauthorized transaction from one of your accounts or if you need to stop a planned payment. Disclosure of Information We will only disclose information about your account or transfers you make to third parties in the following circumstances: Email transmissions outside the Services are not secure. We advise you not to send us sensitive information such as account numbers, password, account information, etc., via a general or public messaging system, or to ask us to do so. If you wish to contact us electronically, please use the link provided in our services. Use this secure form to send the bank an email about requests to troubleshoot during an electronic transfer, to report unauthorized transactions or to contact the bank about other confidential matters. CHANGES AND ADDITIONSThe present Agreement, applicable fees and service fees may be amended or supplemented from time to time by the Service. In this case, the service will inform you. Any use of the Service, after the Service contains notice of change to you, constitutes your consent to such changes. In addition, the Service may, from time to time, revise or update the applications, services and/or associated hardware, making all such versions obsolete. Therefore, the Service reserves the right to terminate this Agreement with respect to all prior versions of the applications, services and/or related materials and to limit access to recent revisions and updates to the Service. In addition, as part of the Service, you agree to receive all legal notices electronically. IF you are a business, any authorized user of your company is permitted under the terms, conditions and agreements we may need: The availability of certain services depends on your access device and some services may not be available for all account types.

TRANSFER OF ACCOUNT INFORMATION TO THIRD PARTIES Our general policy is to keep your account information confidential. However, we will only disclose information about your account or transactions to third parties in the following situations: Our liability In this section, our liability to you is explained only to the extent that our liability has not been disclosed separately by other agreements, indications or disclosures. Under no circumstances will we be responsible for your lack of access to your accounts. Unless otherwise provided by applicable law, we are only responsible for the provision of the Services in accordance with this Agreement. We are responsible for the amount of any property loss or damage you have suffered as a direct result of our gross negligence. Due to circumstances that are not controlled by the Service, in particular delays in the settlement and booking of payments by accountants or financial institutions, some transactions may take longer before certain transactions are credited to your account. The Service is responsible for all fees related to payments of up to $50.00 when a payment is booked after the due date, as long as the payment has been scheduled in accordance with the policies described in this Agreement. Transfer moneyIn case of displaying account information, you can use services to make the transfer of internal money between your current accounts, savings accounts and money market accounts.

You can also transfer money from one person to another with POP Money. If your complaint or question is not received in writing within 10 business days, we cannot give credit to your account until the investigation is complete. . . .