Disclosure

Online Banking

Cardinal Online Banking/Cardinal Online Business Banking

Updated: July 11, 2011

This Cardinal Online Banking and Cardinal Online Business Banking Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving a deposit account at Cardinal Bank. The following disclosures set forth your and our rights and responsibilities concerning electronic funds transfers. In this Disclosure, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we", "us" and "our" mean Cardinal Bank. "Service" means Cardinal Online Banking and Cardinal Online Business Banking including the bill payment option. All references to Cardinal Online Banking also refer to Cardinal Online Business Banking. Please keep a copy of this document, and refer to it for help in answering questions about the Service.

Brief Description

Cardinal Online Banking is an electronic banking service that permits you, through the use of your personal computer (PC) or wireless device and the Internet, to do the following:

• Access your linked Cardinal Bank checking, savings, certificate of deposit, money market deposit accounts, loans or lines of credit
• Obtain balance and transaction information on your linked accounts
• Enroll in and receive e-Statements
• Transfer funds between your eligible linked accounts
• Make Cardinal Bank loan payments
• Receive and pay bills
• Send and receive electronic mail messages to and from the Bank
• Manage your accounts with FinanceWorks^TM
• Earn cash back with Cardinal CashBack Rewards
• Download account information from your linked Cardinal Bank deposit accounts directly into conforming financial management software such as Microsoft® Money, Quicken®, QuickBooks®, and spreadsheet software in CSV format
• Manage your account access security, manage email alerts, nickname accounts, update your email address and more

Account Access

Customers who wish to use Cardinal Online Banking must register, select a password and comply with additional security provisions as well. You may use Cardinal Online Banking to access linked deposit accounts at Cardinal Bank which you own and from which you have the unrestricted right to withdraw funds. The Bank reserves the right to limit the types of accounts that may be accessed or linked.

Bill Payment Service / Funds Transfer

The bill payment service permits you to use your PC or wireless device to direct payments from your linked checking account to third parties. We may restrict your ability to pay bills to only one checking account. The funds transfer allows you to transfer funds between certain Cardinal Bank accounts. You must register to establish a bill payment account.

You are responsible for all transfers and bill payments you authorize using the Service. You authorize us to debit your designated account for any transactions accomplished through the use of this service. If you permit another person to use the Service or give them your user ID or password, you are responsible for payments or transfers that person makes from deposit accounts linked to your Service. All bill payments that you make will be deducted from the account that you designated as your primary checking account for the Service. Any obligations that you wish to pay through the Service must be payable in U.S. dollars. Funds must be available in your primary checking account on the scheduled date. If the date you schedule a payment to be initiated falls on a non-business day, funds must be available in your primary checking account the following business day. After funds are withdrawn from your primary checking account, we may make the payment either by transferring funds electronically to the payee, or by mailing the payee a check drawn on a payment account maintained for that purpose.

You must schedule a payment to a new payee at least twelve (12) business days before the payment due date, to allow us two (2) business days for us to set up the payee and verify information about your account with the payee, and an additional ten (10) business days for the payment to reach the payee. For all subsequent payments, you must allow at least ten (10) business days between the business date you schedule a payment to be initiated and the payment due date. You must allow at least two (2) business days after we receive any change to information you have given us about a payee on an account on your list to reflect the change in our records. You must allow sufficient time for the payee to receive the payment and process it before the payment due date. If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, the Bank will work with the payee on your behalf to attempt to have the action reversed.

If you have told us in advance to make regular payments out of your account, you can cancel these payments. Here’s how:

• Call us at 703-584-3400 or 1-800-473-3247 or write us at 8270 Greensboro Drive, Suite 500, McLean, VA 22102, 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 your call.

If you order us to cancel 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.

We are responsible only for exercising ordinary care in processing and sending payments upon your authorization in accordance with this agreement. We are not liable in any way for damages you incur if you do not have sufficient funds in your account to make the payment on the processing date, for delays in mail delivery, for changes to the merchant’s address or account number unless you have made the change sufficiently in advance, for the failure of any merchant to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond our control. If the checking account from which the debit is scheduled does not have sufficient funds to issue a payment as of the date the payment is scheduled to be deducted, your checking account may be charged a fee for non sufficient funds. In such a circumstance we may choose either to deny your payment request or honor your payment request thereby causing an overdraft for which you are responsible.

FinanceWorks & Cardinal CashBack Rewards (Debit Rewards Offers)

In addition to the above content, if you decide to use either FinanceWorks or the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

LICENSE GRANT AND RESTRICTIONS. You are granted a personal, limited, non-exclusive, non-transferable license, to electronically access and use the FinanceWorks Service (the "Service") solely to manage your financial data, and the purchase rewards application ("Debit Rewards Offers") to benefit from your debit card purchases.

In addition to the FinanceWorks Service and the Debit Rewards Offers, the terms "Service" and "Debit Rewards Offers" also include any other programs, tools, internet-based services, components and any "updates" (for example, Service maintenance, Debit Rewards information, help content, bug fixes, or maintenance releases, etc.) of the Service or Debit Rewards Offers if and when they are made available to you by us or by our third party vendors. Certain Service and Debit Rewards Offers may be accompanied by, and will be subject to, additional terms and conditions.

You are not licensed or permitted to do any of the following and you may not allow any third party to do any of the following: (i) access or attempt to access any other systems, programs or data that are not made available for public use; (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way the material from the FinanceWorks site or from the Debit Rewards Offers program; (iii) permit any third party to benefit from the use or functionality of the Service or Debit Rewards Offers, or any other services provided in connection with them, via a rental, lease, timesharing, service bureau, or other arrangement; (iv) transfer any of the rights granted to you under this license; (v) work around any technical limitations in the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble, or otherwise reverse engineer the Service except as otherwise permitted by applicable law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service or Debit Rewards Offers or any services provided in connection with them, prevent access to or the use of the Service, Debit Rewards Offers or any or services provided in connection with them by other licensees or customers, or impose an unreasonable or disproportionately large load on the infrastructure while using the Service; or (vii) otherwise use the Service, Debit Rewards Offers or any services provided in connection with them except as expressly allowed under this Section 1.

OWNERSHIP. The Service and Debit Rewards Offers are protected by copyright, trade secret and other intellectual property laws. You do not have any rights to the trademarks or service marks.

YOUR INFORMATION AND ACCOUNT DATA WITH US. You are responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you to access the Service, Debit Rewards Offers or any services provided in connection with them, and your accounts with us (collectively, "Licensee Access Information"), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Service, Debit Rewards Offers or any services provided in connection with them (collectively, "Account Data"). You are responsible for providing access and assigning passwords to other users, if any, under your account for the Service, Debit Rewards Offers or any services provided in connection with them, and ensuring that such authorized users comply with this Agreement. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Service, Debit Rewards Offers or any services provided in connection with them (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Service, Debit Rewards Offers or any services provided in connection with them to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.

We may use anonymous, aggregate information, which we collect and store, or which is collected and stored on our behalf by third party vendors, to conduct certain analytical research and help us to create new offerings and services for our customers. As we make additional offerings and online banking services available to you, some of which may rely on banking information maintained in your accounts, you will have the opportunity to participate in the services if you choose. If you choose not to participate, you do not need to notify us. We may also use anonymous, aggregate information which we collect and store, or which is collected and stored on our behalf by third party vendors, to (i) conduct database marketing and marketing program execution activities; (ii) publish summary or aggregate results relating to metrics comprised of research data from time to time; and (iii) distribute or license such aggregated research data to third parties. Additionally, automated technology may be used to tailor messages or advertisements that best reflect your interest and needs.

YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tools allow you to view accounts that you may have outside our financial institution (this is a process called "aggregation"). When you choose to use online financial services which are applicable to data that you have transacted with other financial institutions or card issuers, you are consenting to us accessing and aggregating your data from those outside financial institutions. That data includes your financial institution account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information used to access your account(s) with other financial institutions, and the actual data in your account(s) with such financial institution(s) such as account balances, debits and deposits (collectively, "Financial Account Data"). In giving that consent, you are agreeing that we, or a third party vendor on our behalf, may use, copy and retain all non-personally identifiable information of yours for the following purposes: (i) as pertains to the use, function, or performance of the services which you have selected; (ii) as necessary or useful in helping us, or third parties on our behalf, to diagnose or correct errors, problems, or defects in the services you have selected; (iii) for measuring downloads, acceptance, or use of the services you have selected; (iv) for the security or protection of the services you have selected; (v) for the evaluation, introduction, implementation, or testing of the services you have selected, or their upgrade, improvement or enhancement; (vi) to assist us in performing our obligations to you in providing the services you have selected.

If we make additional online financial services available to you which are applicable to data that you have transacted with other financial institutions or card issuers, and which we will aggregate at this site, we will separately ask for your consent to collect and use that information to provide you with relevant offers and services. If you give us your consent, you will be agreeing to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you.

If you select services that are offered by third parties or merchants through such offers or on our behalf, you will be agreeing that we have your consent to give such third parties or merchants your geographic location, and other data, collected and stored in aggregate, as necessary for such third parties or merchants to make their offerings and services available to you and to permit us to use Financial Account Data to help us suggest savings opportunities or additional products and services to you. Except as specified here, we and the third parties or merchants acting on our behalf shall not use or keep any of your personally identifiable information.

USE, STORAGE AND ACCESS. We shall have the right, in our sole discretion and with reasonable notice posted on the FinanceWorks site and/or sent to your email address provided in the Registration Data, to establish or change limits concerning use of the Service and any related services, temporarily or permanently, including but not limited to (i) the amount of storage space you have available through the Service at any time, and (ii) the number of times (and the maximum duration for which) you may access the Service in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Service and any related services to which such changes relate. Your continued use of the Service or any related services will constitute your acceptance of and agreement to such changes. Maintenance of the Service or any related services may be performed from time-to-time resulting in interrupted service, delays or errors in such Service or related services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

THIRD PARTY SERVICES. In connection with your use of the Service, Debit Rewards Offers, or any other services provided in connection with them, you may be made aware of services, products, offers and promotions provided by third parties, ("Third Party Services"). If you decide to use Third Party Services, you are responsible for reviewing and understanding the terms and conditions governing any Third Party Services. You agree that the third party is responsible for the performance of the Third Party Services.

THIRD PARTY WEBSITES. The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service, Debit Rewards Offers or any other services provided in connection with them is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

EXPORT RESTRICTIONS. You acknowledge that the Service may contain or use software that is subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the Service, directly or indirectly, to: (1) any countries that are subject to US export restrictions; (2) any end user who has been prohibited from participating in US export transactions by any federal agency of the US government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by US law.

DEBIT REWARDS OFFERS. If you decide you wish to participate in the Debit Rewards Offers application, you acknowledge and agree to the following terms and conditions of service.

Debit Rewards. You will earn rewards for your participation in the Debit Rewards Offers program based on total purchases. If you participate in the Debit Rewards Offers, we will credit all cash or point rewards earned to your rewards balance and send you a lump sum of all rewards due to you. For any qualifying purchases during the current month, we will distribute the lump sum amount to you during the following calendar month. For example, if the payment date of all rewards end user disbursements is August 30, the applicable Measurement Period would be the calendar month ended July 31. Cash rewards will be deposited in the Debit Rewards Offers deposit account which is associated with the Debit Rewards Offers program.

Debit Rewards Offers Account. You must use the debit card associated with the Debit Rewards Offers account in order to receive the offers which qualify for the rewards. Rewards will not be earned for any portion of your purchase that you pay for with store credit, gift certificates or other payment types. Purchases must be made as indicated in the offers made available under the Debit Rewards Offers program. Each offer will specify whether the purchase can be made online, at a store location, or by telephone to be eligible for rewards. You must also comply with any guidelines included with the offer, such as offer expiration dates, minimum purchase amounts, purchase limits, etc. You must also pay using the debit card associated with the account that received the Debit Rewards offer in order for the purchase to qualify.

While we and the merchants work hard to properly track and credit all eligible purchases, there may be times that we are unable to do so because of problems with your internet browser, the merchant's web site or our system. Please contact our support team if you believe you have made a qualifying purchase for which you did not receive Rewards.

Please note that you will not earn rewards as part of this program if you use a debit card not issued by us or do not have the designated deposit account opened with us at the time of disbursement.

You understand and agree that we make no warranties and have no liability as to:

• Any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the Debit Rewards Offers program.
• The rewards information that we provide to you, which is provided "as is" and "as available".
• (i) your inability to comply with offer guidelines, (ii) the accuracy, timeliness, loss or corruption, or mis-delivery, of any qualifying purchase information or any other information, (iii) unauthorized access to your account(s) or to your account information and any misappropriation, or alteration, of your account information or data, to the extent that the unauthorized access results from your acts or omissions, or (iv) your inability to access your account(s) including, but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or internet service providers, acts of God, strikes, or other labor problems.
• Some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

Service Availability

You may use the service day or night, seven days a week by signing on to the Service, however the Service will be temporarily unavailable from time to time for scheduled maintenance and there may also be unscheduled down time although we will work to minimize such interruptions in service. We are not liable in any way for problems or damages you incur if the Internet, Internet service provider or wireless service experiences down time.

Limitations on Frequency and Amount

There is no limit to the number of Cardinal Bank accounts that you can link and access through the Service although there may be limits on the number of accounts you can link for payment to third parties for outgoing payments. When scheduling online bill payments, there is a maximum of $9,999.99 per transaction and a daily maximum limit of $19,999.99. Processed payments and transfers cannot exceed the available balance in your deposit account plus the available balance in any overdraft protection account.

Fees and Charges

There is no monthly service charge for accessing your linked accounts, or for paying bills with Cardinal Online Banking or Cardinal Online Business Banking. Depending on how you access Online Banking, you might incur charges for:

• Typical account fees and service charges
• Any Internet service provider fees
• Any wireless service provider fees
• Purchase of computer programs or software

Restrictions on Transfers From Savings And Money Market Accounts

Under Federal Reserve Board Regulation D, depositors are permitted to make no more than six transfers or withdrawals from a savings or money market account per month (not counting transactions made at ATMs or at branches). Transfers made by telephone, personal computer, or funds transferred for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If your transactions exceed the legal limit, we will charge you a fee for each such transaction in excess of the legal limit. If you exceed the restrictions more than three times during a 12 month period, we will close the savings or money market account and transfer the funds to a checking account. On Cardinal savings or money market savings accounts, we charge a fee for each withdrawal or transfer in excess of three per monthly cycle period.

Liability for Unauthorized Transfers

Tell us at once if you believe your password has been lost or stolen. 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 two (2) business days, you can lose no more than $50.00 if someone used your user ID and password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your code, and we can prove that we could have stopped someone from using your account without your permission if you had told us, you could lose all of the money in your account (plus your maximum overdraft line of credit). Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (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 periods. If you believe that your user ID or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 703-584-3400 or 1-800-473-3247, or write us at Cardinal Bank 8270 Greensboro Drive, Suite 500, McLean, VA 22102. When you give someone your user ID and password, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

For your protection, sign off after every Online Banking session and close your browser to ensure confidentiality.

Our Liability for Failure to Make Transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages directly related to the transaction. However, there are some exceptions. We will NOT be liable for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer
• If the money in your account is subject to legal process or other claim restricting such transfer
• If the transfer would go over the credit limit on your overdraft line
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer
• If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken
• There may be other exceptions not stated in our agreement with you

In Case of Errors or Questions About Your Electronic Transfers - Applicable Only to Consumer and Sole Proprietor Accounts

Call us at 703-584-3400 or 1-800-473-3247, or write us at 8270 Greensboro Drive, Suite 500, McLean, VA 22102 as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within 10 business days after we hear from you and we 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 provisionally credit your account within ten (10) business days for the amount you think is in error so that you will have the use of the 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 provisionally credit your account.

If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. At the same time, we will debit your account for any funds temporarily advanced to you. We can provide copies of the documents that we used in our investigation upon request.

Business Days

For purposes of these electronic funds transfer disclosures, our business days are Monday through Friday excluding bank holidays.

Documentation

You will get a monthly account statement from us which details your account activity including Online Banking transactions.

Confidentiality

We may disclose information to third parties about your account or the transfers you make:

• To complete transactions or bill payments as necessary
• To verify the existence and condition of your account upon the written request of a third party, such as a credit bureau or merchant
• To comply with government agency or court orders; or in connection with fraud prevention or an investigation
• If you give us your written permission

Our Privacy Policy for consumers is available on cardinalbank.com

User ID and Password

These codes are issued to you for your security purposes. They are confidential and should not be disclosed to third parties. You are responsible for safekeeping your user ID and password. You agree not to disclose or otherwise make these codes available to anyone not authorized to sign on your accounts. You must immediately notify us and select a new password if you believe your password may have become known to an unauthorized person.

Online Banking Notifications

We offer a feature that allows you to set up a notification service for certain events that relate to your linked accounts. When you activate the notification service, you will be able to set up email messages to update you on balance and check clearing information as well as certificate of deposit maturity dates.

When you activate a notification, you agree to the following:

• Online Banking Notifications allow you to sign up to receive automated alert messages for your Online Banking accounts
• Each notification message has different options available, and you will be asked to select from these options upon activation of your notifications service
• Electronic notifications will be sent to the email address you have provided as your primary email address for Online Banking. If you change your email address you are responsible for informing us of the change
• You understand and agree that your notifications may be delayed or prevented by a variety of factors. We neither guarantee the delivery nor the accuracy of the contents of any notification. You also agree that we shall not be liable for any delays, failure to deliver, or misdirected delivery of any notification; or for any actions taken or not taken by you or any third party in reliance of an alert

Electronic Mail

Email or Secure Notifications to the Bank may be delayed; therefore, if you need us to receive information concerning your account immediately, you must contact us in person or by telephone (for requests such as, stop payments, to report a lost or stolen card or to report unauthorized use of your account). We shall have a reasonable period of time after receipt to act on requests or information you send by email.

Contact by Cardinal Bank

No Cardinal Bank employee nor any company affiliated with Cardinal Bank Online Banking will contact you via email or phone requesting your Online User ID or Password. If you are contacted by anyone requesting this information, please contact us immediately.

Notices

All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the address specified in this agreement. We reserve the right to change the terms and conditions upon which this Service is offered. We will mail notices to you at least thirty (30) days before the effective date of any change, as required by law. Use of this Service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcement

In the event either party brings a legal action to enforce this agreement or collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.

Termination of Cardinal Online Services

You agree that we may terminate this agreement and your use of the Service, if

• You do not pay any fee required in this agreement
• You do not comply with the agreement governing your deposit accounts or your deposit account is not maintained in good standing
• You breach this or any other agreement with us
• We have reason to believe that there has been an unauthorized use of your user ID or password; or other security feature
• We notify you or any other party to your account that we have cancelled or will cancel this agreement. You or any other party to your account can terminate this agreement by notifying us in writing

Termination of this Agreement will not affect the rights and responsibilities of the parties under this agreement for transactions initiated before termination.

Inactivity

If you do not log on or have outstanding scheduled bill payments or transfers through Online Banking service or Online Bill Pay for 180 days, we may cancel your Service without further notice.

Other Provisions

There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of the funds deposited. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Matters not covered by this disclosure shall continue to be governed by the Uniform Commercial Code as adopted in Virginia and by any applicable federal law as well as applicable account agreements between us pertaining to the linked accounts.