Electronic Banking Agreement

This Internet Banking/Online Account Access/ Electronic Banking Agreement (“agreement”) applies to the internet banking and related services offered by The Bank of Delmarva. This includes certain disclosures for electronic fund transfers. This agreement is in addition to other agreements between us, including any other deposit account agreements.

In this agreement, the words "Bank," "we," "us" or "our" mean The Bank of Delmarva. When we use the words, "you" or "your" we mean each person who has an interest in an account or other relationship which is accessible through The Bank of Delmarva’s Internet Banking/Online Account Access Banking Services and any person authorized such access. The Bank of Delmarva's Internet Access/Online Account Access Banking Services (Services) means that information, communication and transactions provided to you by us through any non-branch remote channel, including The Bank of Delmarva's web site, www.bankofdelmarva.com (Site) or www.bankofdelmarvahb.com , including, but not limited to, the following: account information, funds transfers, statement/transaction inquiries and downloads, stop payments, and check order(s) for account(s) established at a branch.

When you use our Services or you permit any other person to use our Services, you agree to the terms and conditions we have set out in this agreement and any instructional material which we provide you regarding the Services. Your use of the Services may be made by use of certain numbers, codes, marks, signs, public keys, bio-metric identification, or other means of establishing your identity and acceptance of the electronic communications which are acceptable to the Bank. All electronic communications that meet these requirements will be deemed to be valid and authentic and you intend and agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals or copies, absent proof of altered data or tampering.

Equipment and Software

The following device (Equipment) is required to access the Services: a personal computer with internet access or a mobile or other portable device with internet connectivity. If you access the Services by use of a personal computer, you agree: (1) to use Internet Services Provider software products needed to access the internet (Software); (2) the Software, and any future upgrades, must be loaded and operational on your personal computer/device and you must use a modem or other access appropriate device to access the Services through the designated interface Equipment and Software; (3) as this service becomes available, to receive account information by electronic transmission of a visual display of the text. Contact customer service for available user guides for the Software. Any other software used by you in the future to access our system, if supported by us, will be provided and maintained by you at your expense.

Account Access

To have access to the Services you must be an authorized user of the Software you select, if required for use with the Equipment. You must also have at least one eligible deposit account with us. Eligible accounts include both business and personal checking and savings accounts.

Electronic Banking Enrollment

You are required to enter:

Social Security Number
Email address
Your account number
Phone Number (Mobile Phone Number recommended)
Create a unique alternate ID (User Name) 6 to 32 characters
Choose a 8 to 32 character password containing at least one uppercase letter, one lowercase letter, one number, and one special character
Confirm your password

You will receive an Email once your registration has been accepted.

Enhanced Login Security; What is Multifactor Authentication?

Your online security is important to us, as well as providing you easy and convenient banking tools. Your online banking experience includes the option to enable enhanced login security to further help protect you from identity theft which is known in the online security industry as Multifactor Authentication, or MFA. This MFA can be referred to as Two Factor Authentication, or 2FA by a provider.

Authentication is the process used to allow access to the correct customer. Without effective authentication controls, it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the true customer should be able to pass and/or by requesting information that only the true customer should be able to provide.

Multifactor Authentication means that two or more different types (or factors) of authentication must be passed/provided. By using two different factors of authentication, we get a better assurance that the customer is the intended user. MFA is commonly used to protect transactions at ATMs, where your card is something you have, and your PIN code is something you know.

For your convenience, after you successfully authenticate with your Username, password and Login Security (One-Time Passcode (OTP), you may enroll your Equipment for use in our enhanced login security authentication. If you choose to enroll your Equipment, a special Browser Cookie will be present on your system, which will allow our system to identify your Equipment. YOU SHOULD ONLY ENROLL YOUR EQUIPMENT IN OUR ENHANCED LOGIN SECURITY FEATURE IF YOU ARE THE ONLY USER OF YOUR EQUIPMENT, YOUR EQUIPMENT ACCESSES THE INTERNET SECURELY, AND YOU PLAN TO REGULARLY ACCESS INTERNET BANKING FROM YOUR EQUIPMENT.

We recommend you ensure that your browser settings and any antivirus software you have do not delete your cookies (data files) so that you are not prompted to provide Login Security (One-Time Passcode (OTP) every time you log into Internet Banking. YOU MUST KEEP YOUR BROWSER SOFTWARE AND ANTIVIRUS SOFTWARE ACTIVE AND UPDATED AT ALL TIMES.

Logging in from a Device You Normally Use?

When you choose to REGISTER your Equipment, a special Browser Cookie will be present on the system, which will act in place of your Login Security (One-Time Passcode (OTP). You will only need your Username and password to access your account information once this has been successfully completed.

You should only select this option if the Equipment that you are using is one that you plan on using to access your accounts regularly. Make sure that this Equipment is not one accessible by others and that if your Equipment is accessing the internet securely (if through wifi, make sure that any wifi enabling router is password protected). Please note that until you add enhanced login security to your Equipment you will be asked for a (OTP). You can add enhanced login protection to any Equipment at any time. This can be done by logging into your account from the Equipment that you wish to add the extra security to and selecting “yes” to register this Equipment.

Logging in from a Device You DO NOT Normally Use?

When you choose to list your Equipment as PUBLIC, you will need to provide your User ID, password and you will be prompted to provide your Login Security One-Time Passcode (OTP) each time you log into your account. We recommend this setting when logging in from a library or school computer. If you select this option we will recognize that you are not selecting this Equipment to be recognized with your account. This will mean that if you attempt to login from this Equipment again, we will not identify your account with this Equipment and you will be asked to enter additional information, a (OTP).

Account Log-In Access

During your use of the Services, you are required to enter:

Customer Access Number (Username)
Password and
One Time Passcode (OTP)
(unless you have enabled/enhanced login security and you have access to the Services from a registered computer)

Additional numbers and words or bio-metric information may be required depending on the Equipment and software used. Use of these Access Codes is the agreed security procedure to access the Services through any of the Equipment. You agree to keep all Access Codes confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of the Services. For security purposes we recommend that you do not use the same Access Codes you use on other bank products. Do not provide any Access Codes to others. If you give someone else your Access Codes, to the extent permitted by applicable law, you will be responsible for transactions processed using your Access Codes. You agree that these security procedures are commercially reasonable (based on the normal size, type, and frequency of your transfer(s) and is designed to authenticate your transfers.

Available Services

Depending upon the particular features and the Equipment you select, you may be allowed access to the following Services by first entering your Access Codes:

(a) Account Information. You may obtain an account balance and summary information, uncollected funds information, and cleared transactions detail for at least the current statement period. Certain types of data provided are real-time, periodically updated through the day or prior day information. Account balance and other information obtained through Internet Banking may not include transactions that you have made or authorized but that have not cleared, certain debit card transactions (including gratuities associated with such transactions), deposits you have made but that have not been credited and other transactions that have been made but that have not yet been processed or posted to your account. Account Balance: Includes transactions processed during the previous business day. Available Balance: Includes any pending transactions including credits and/or debits. If your account includes a Keyline Credit Overdraft Protection Line, the amount available is included as part of available balance. If your account includes an Overdraft Privilege amount of $500.00, it is NOT included as part of your available balance. When we pay overdraft items for you, you will be charged our overdraft item fee (NSF paid item(s) charge), currently $35.00, for each item that is presented. More than one overdraft item fee (NSF paid item(s) charge) may be charged against your account per day, depending on the number of checks presented on and withdrawals made from your account. Both the amount of the overdraft items and all applicable fees, including but not limited to the $35.00 overdraft item fees (NSF paid item(s) charge), are included in this limit.

(b) Internal Transfers and Payments. You may request to transfer funds to and from certain Bank of Delmarva account(s) (including bill payments to one or more third parties). Transfers completed after nightly processing or anytime on Saturday, Sunday or any bank holiday will be posted on the next business day, providing funds are available. For Principal and Interest Loan Payments – Loan payments will be applied as specified in your loan documents, but in general first to Escrow then to interest that is due, then to principal, and finally to any charges owed. Any additional amounts paid will be applied to principal and MAY advance the next scheduled due date. Partial prepayments will not excuse any later scheduled payments until paid in full. For Interest Only Loan/Line of Credit Payments – Loan/line of credit payments will be applied as specified in your loan/line of credit documents, generally first to Escrow, then to interest that is due, then to charges owed, and finally to principal. Any amounts paid without a "Notice of Loan Payment Due" will be applied to accrued interest and then to principal and will NOT advance to the next scheduled due date. Partial prepayments will not excuse any later scheduled payments until paid in full. For Final Payments - The actual amount of final payment will depend upon the loan/line of credit payment record. If you have questions about how your loan/line of credit payment will be applied or to obtain your final payment amount please contact the Loan Department at 410-548-1100.

EXTERNAL TRANSFERS – deposit account customers may transfer funds to accounts with other financial institutions.

(c) Processing of Balance Notifications and Scheduled Recurring Transfers (SRTs). We will process Balance Notifications at least once each day. Initial Notifications and SRTs may take up to 48 hours to take effect. We have no obligation to complete an SRT if there are insufficient funds in your account to complete the transfer, there are restrictions, holds or other limitations that would prevent the transfer or at our sole discretion, or we believe that processing the transfer could expose us to a loss of any kind. If a requested SRT cannot be completed for any reason, we will make a reasonable effort to complete the SRT. It is your responsibility to monitor your accounts to determine if your SRTs have been processed.

(d) Online Check Images. You may view certain check images online. Note that checks that have been presented for payment and that are accessible through the Image Service may not actually be, or have been, paid for reasons such as non-sufficient funds or the existence of an stop payment order concerning the check.

(e) Data Export. You may export account information for use with your personal financial management software (Quicken® or QuickBooks®) (“PFM Software”). This service is limited to certain eligible accounts and is not compatible with all versions of PFM Software. We reserve the right to change the file format or formats available for download on Internet Banking at any time, without notice.

(f) Stop Payments. You may place a stop payment on the bank’s website on checks that you have written. To do so, select the “stop payment” feature through your account dashboard (you agree to pay our stop payment fee). You must provide all information requested concerning the check in question in order for us to process your request and you must give us sufficient time to process any request.

The Bank of Delmarva's Mobile Banking Service. The Bank of Delmarva’s mobile banking service (Bank of Delmarva Mobile App) can be used to access financial services and products and the functions now, or in the future, made available by us, using a Mobile Device. Not all Eligible Accounts are available through Mobile App. Currently, you can use Mobile App in three ways(1) receive account notifications via text messages sent to a mobile phone (through SMS)(“BOD Text Message); (2) downloading an application to a Mobile Device (Bank of Delmarva Mobile App) or (3) visiting www.bankofdelmarva.com or www.bankofdelmarvahb.com to access our Site (“Mobile Web”). To use Mobile App, you must have a “Mobile Device”, which is a mobile phone, tablet or other equipment with a mobile carrier, operating system, data plan, software and hardware supported by us now or in the future.

BOD Text Message. To take advantage of the text messaging service, you must have a supported Mobile Device that can send and receive text messages, have a text messaging service plan carrier through a supported mobile carrier, and enroll in Mobile App (through Internet Banking/Online Account Access Banking Services).

BOD Mobile App and Mobile Web. To take advantage of Mobile App(s), you must have a supported Mobile Device and download the Bank of Delmarva Mobile application on your device. To take advantage of Mobile Web you must have a supported Mobile Device. Some Mobile Devices with bio-metric scanning identification capabilities may be used to access to Mobile App. If you have such a Mobile Device, after you have initially accessed Mobile App using your Username and Password, you may elect to enable bio-metric access to Mobile App using your Mobile Device’s bio-metric scanning features. You agree that the provider/manufacturer of your Mobile Device is responsible for the operation and accuracy of any bio-metric features.

Limitations and Notices Applicable to Mobile App Services. YOU AGREE THAT THERE ARE RISKS ASSOCIATED WITH USING A MOBILE DEVICE, AND THAT IN THE EVENT OF THEFT OR LOSS, YOUR CONFIDENTIAL INFORMATION COULD BE COMPROMISED AND YOUR ACCOUNTS ACCESSED. For this reason, we strongly recommend password protecting your Mobile Device. You agree not to use any personally-identifiable information when creating nicknames for your Eligible Accounts. In the event you lose, or destroy the Mobile Device whose phone number is registered with us for BOD Text Mobile or which is running the Bank of Delmarva Mobile application, you should immediately (i) reset your BOD Web Banking Password and (ii) notify your wireless carrier to disable wireless telecommunications service (voice and data) from your lost or stolen Mobile Device. YOU FURTHER AGREE THAT IF YOU ENABLE BIO-METRIC ACCESS TO MOBILE APP USING YOUR MOBILE DEVICE, YOUR MOBILE APP FUNCTIONALITY WILL BE AVAILABLE WITHOUT THE USE OF YOUR USER ID AND PASSWORD AND ANY BIO-METRIC INFORMATION THAT IS “APPROVED” AS AN ACCESS POINT IN YOUR MOBILE DEVICE’S BIO-METRIC INFORMATION REPOSITORY, WILL PERMIT ACCESS TO THE BANK OF DELMARVA MOBILE APP. Your bio-metric information is an Access Code under this agreement. You agree that the provider/manufacturer of your Mobile Device is responsible for the operation and accuracy of any bio-metric features.

Use of the Bank of Delmarva Mobile App is subject to the directions, limitations and requirements described on our Site. At any time and without notice, BOD Bank reserves the right to: (i) terminate its support of any Mobile Device, operating system or mobile carrier; (ii) remove or modify the types of accounts, features and functionality available through Mobile App; and (iii) modify any security procedures or requirements BOD requires to gain access to Mobile App.

You agree that The Bank of Delmarva cannot guarantee and is not responsible for the availability of the data services provided by your mobile carrier, and that service may not be available from time to time. BOD does not currently charge a fee for the Bank of Delmarva Mobile App. However, you are responsible for any data or text message charges or other fees that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable.

Third Party Software Virus Protection:

The Bank makes no representation or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with Internet Banking/Online Account Access Banking Services. The bank is NOT responsible for any virus that you may encounter, and highly recommends the use of manufacturer-recommended virus detection software.

Internal Electronic Messaging and External Email:

If you send us an electronic mail message (Email), we will be deemed to have received it no later than the following business day. We will have a reasonable time to act on your Email. You should NOT rely on Email if you need to communicate with us immediately concerning your bank account.

At The Bank of Delmarva, we're serious about safeguarding the privacy of your personal information. External Email sent over the Internet is not a secure method to send messages to us. We have, therefore, provided secure internal electronic messaging after you have logged into Internet Banking. We recommend you take the following precautions when sending us Email(s): Personal information, such as account numbers, personal identification numbers (PINs) and balances should NOT be included in your message. For sensitive information, we encourage you to contact us by calling one of our branches. Please note that we will not take any action based on an Email sent to us until we have had a reasonable time to act on it. We strongly recommend that you do not use Email to communicate URGENT information. We may also provide the opportunity to communicate through Bank of Delmarva Mobile App via chat functionality.

Privacy:

We will disclose information to third parties about your accounts or the transactions you make as set forth in our Privacy Policy and as provided below in the “Confidentiality” section.

Service Availability; Limitation of Liability:

The Bank of Delmarva is responsible for performing the Services as expressly stated in this agreement. There is no guarantee that access to the Services will be available at all times and we shall not be liable if you are unable to access the Services. We provide the Services “as is” without any warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. We are not responsible for any errors or failures caused by the malfunction of the Services. We also are not responsible or liable for any computer virus caused by use of the Services. We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent. In any event, we are not liable for any loss of data, special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Services, even if we have knowledge of the possibility of them. We are not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond our reasonable control.

ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENT

For purposes of this disclosure and agreement the terms “we”, “us” and “our” refer to The Bank of Delmarva. The terms “you” and “your” refer to the recipient of this disclosure and agreement.

The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customer regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from our account to a third party and one-time electronic payments from our account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of our ATM card (hereinafter referred to collectively as “ATM Card”) or debit card (hereinafter referred to collectively as “Debit Card”) at automatic teller machines (ATMs) and any networks described below.

TERMS AND CONDITIONS. The following provisions govern the use of EFT services through accounts held by The Bank of Delmarva which are established primarily for personal, family or household purposes. If you use any EFT services provided, you agree to be bound by the applicable terms and conditions listed below. Please read this document carefully and retain it for future reference.

DEFINITION OF BUSINESS DAY. Business days are Monday through Friday excluding holidays.

ATM CARD SERVICES. The services available through use of your ATM card are described below.

ATM CARD SERVICES

You may withdraw cash from your checking account(s), savings account(s), money market account(s), and NOW account(s).
You may make deposits into your checking account(s), savings account(s), money market account(s), and NOW account(s).
You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and Now account(s).

DEBIT CARD SERVICES. The services available through use of your Debit Card are described below.

DEBIT CARD SERVICES

You may withdraw cash from your checking account(s), savings account(s), money market account(s), and NOW account(s).
You may make deposits into your checking account(s), savings account(s), money market account(s), and NOW account(s).
You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and Now account(s).
You may use your card at any merchant that accepts MasterCard Debit Cards for the purpose of goods and services.

ATM SERVICES

NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.

You may access your ATM Card or Debit Card through the following network(s): Associated networks.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

OTHER ATM SERVICES. In addition, you may perform the following transactions:

ATM Foreign Transaction Fees - $1.50 per transaction

POINT OF SALE TRANSACTIONS. Listed below is the card you may use to purchase goods and services from merchants that have arranged to accept your card as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your card, including any purchase where you receive cash, are referred to a “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. Debit Card Purchase / Point-of-Sale Aggregate Dollar Limit - $1,500.00 per day in transactions which includes $500.00 per day cash withdrawals.

The following card and the corresponding designated account(s) may be used for Point of Sale transactions:

Debit card: Checking, savings, money market, NOW.

Your ATM and Debit Cards may also be used to obtain cash from your designated account(s) at participating financial institutions when so authorized under the terms of your Account Agreement.

CURRENCY CONVERSION – MasterCard. If you effect a transaction with your Card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. MasterCard charges us a currency Conversion Assessment of 20 basis points (.2%) of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 80 basis points (.8% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.

Advisory Against Illegal Use – You agree not to use your MasterCard Debit Card for illegal gambling or other illegal purposes. Display of a payment logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located.

IMPORTANT ADDITIONAL FEE NOTICE. If you effect a transaction with your Card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. MasterCard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 80 basis points (.8% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.

SERVICES PROVIDED THROUGH USE OF TELEBANC. You may perform the following functions through use of TeleBanc:

You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s).

For questions or more information, call us at: (410) 742-0411 or toll free (866) 991-2262.

PREAUTHORIZED TRANSFERS SERVICES.

You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market accounts(s), and NOW account(s).
You may arrange for the preauthorized automatic payments or other transfers from your checking account(s), savings account(s), money market account(s), and NOW account(s).

SERVICES PROVIDED THROUGH USE OF INTERNET AND MOBILE BANKING. The Bank of Delmarva offers its customers use of our Internet and Mobile Banking service.

INTERNET BANKING – types of transfers – You may access your accounts at www.bankofdelmarva.com and using your User ID and password to:

Transfer funds from checking, savings, money market to money market, savings, checking
Get balance information about checking, savings, certificate of deposit or money market, loans
Get withdrawal history about checking, savings, or money market
Get deposit history about checking, savings, or money market
Get transaction history about checking, savings or money market, loans

BILL PAYMENT – types of transfers –

You may access this service by computer at www.bankofdelmarva.com and using your user name and password.

You may access this service to:

Make payments from your checking and savings, money market account(s) to payees that you designate.
Some payments made by check will not be subject to this Electronic Funds Transfer disclosure. See your service agreement for details. Bill Payment is free. Refer to the “Common Features” disclosure which is a separate disclosure.

MOBILE BANKING – types of transfers – You may access your accounts remotely with your cell phone or other mobile access device and using your USER name (User ID), Password, multi-factor authentication (MFA) or two factor authentication (2FA), Text messaging commands (available separately). You may use this service to:

Transfer funds from Checking to Savings or Money Market to Checking or Savings to Money Market
Make payments from Checking or Savings or Money Market to checking or Savings Money, or pay bills

(Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Funds Transfer Rules.)

Get balance information about checking, savings, certificate of deposit or money market or loans
Get withdrawal history about checking, savings or money market
Get deposit history about checking, savings or money market
Get transaction history about checking, savings, or money market or loans

EXTERNAL TRANSFERS – deposit account customers may transfer funds to accounts with other financial institutions.

Security – You have the sole responsibility to establish and maintain procedures to adequately safeguard against unauthorized mobile phone usage and/or entries from your phone. You warrant that no other person will be allowed to initiate telephone entries other than yourself and you agree to take all reasonable steps to maintain the confidentiality of any user ID’s, passwords and related instructions provided by us in connection with the services agreed to hereunder.

Fees – The bank does not currently charge a fee for mobile banking or external transfers. You are responsible for any data or text message charges or other fees that may be billed by your mobile carrier. Check with your mobile carrier for details on specific fees and charges that may be applicable.

Other – If you wish to discontinue using BOD Mobile App(s), delete the App from your mobile device. To discontinue Text Message Banking (SMS Banking) follow the instructions at the bottom of text message. You will receive a one-time opt out confirmation text message.

ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

LIMITATIONS ON TRANSACTIONS

TRANSACTION LIMITATIONS – ATM CARD.

CASH WITHDRAWAL LIMITATIONS. You may withdraw up to $500.00 through use of ATMs in any one day.

There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the ATM Card is issued. The Bank of Delmarva reserves the right to change dollar amount limits at any time upon prior notification.

TRANSACTION LIMITATIONS – DEBIT CARD.

CASH WITHDRAWAL LIMITATIONS. You may withdraw up to $500.00 through use of ATMs in any one day.

There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the Debit Card is issued. The Bank of Delmarva reserves the right to change dollar amount limits at any time upon prior notification.

POINT OF SALE LIMITATIONS. You may buy up to $1,500.00 worth of goods or services in any one day through use of our Point of Sale Service.

TOTAL DAILY LIMITS. In addition to the ATM limit or Point of Sale limits disclosed above, a total daily limit is imposed on these transactions. The maximum amount of cash withdrawals and Point of Sale transactions is limited to $1,500.00 in any one day.

OTHER LIMITATIONS.

We reserve the right to impose limitations for security purposes at any time.

NOTICE OF RIGHTS AND RESPONSIBILITIES

The use of any electronic fund transfer service described in this document creates certain rights and responsibilities regarding these services as described below.

RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS.

TRANSACTION RECEIPTS. Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number give in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your ATM Card or Debit Card at a Participating Merchant. If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt.

PERIODIC STATEMENTS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER (“PIN”). In order to assist us in maintaining the security of your account and the terminals, the ATM Card or Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawals or transfer upon request.

Your ATM Card may be used with your PIN. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify The Bank of Delmarva immediately if your ATM Card or Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or Debit Card or to write your PIN on your ATM Card or Debit Card or on any other item kept with your ATM Card or Debit Card. We have the right to refuse a transaction on your account when you use your ATM Card or Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your ATM Card or Debit Card and the secrecy of our PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN at an ATM.

RIGHTS REGARDING PREAUTHORIZED TRANSFERS

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment,

Call us at:
(800) 787-4542

Write to:
One Plaza East, Suite 200
Salisbury, MD 21801

We must receive your call or written request at least three (3) business days prior to the schedule payment. If you call, please have the following information ready: Your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

NOTICE OF VARYING AMOUNTS. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company ten (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.

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen,

Call us at:
(800) 787-4542 (8 am to 5 pm EST Monday through Friday (Holidays are not included) or 1-800-528-2273 (Debit Card only, after hours)

Write to:
One Plaza East, Suite 200
Salisbury, MD 21801

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access 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 applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code, you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet access code without your permission. If you do NOT tell us within two (2) business days after you have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).

Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account, if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic funds transfers. However, different limitations apply to certain transactions involving your card with the MasterCard branded card.

If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us.

ILLEGAL USE OF DEBIT CARD. You agree not to use your debit card for any illegal transactions, including internet gambling and similar activities.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. In case of errors or questions about your electronic fund transfers,

Call us at:
410-548-7892 or 800-787-4542

Write to:
One Plaza East, Suite 200
Salisbury, MD 21801

Use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact The Bank of Delmarva no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

Your name and account number.
A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION

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 as provided by law. 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 transfer would result in you exceeding the credit limit on your line of credit, if you have one.
If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
If we have terminated our Agreement with you.
When your ATM Card or Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
If we receive inaccurate or incomplete information needed to complete a transaction.
In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
If the funds in the account are subject to legal action preventing a transfer to or from your account.
If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law.

CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS

We reserve the right to impose a fee and to change fees upon notice to you.

DISCLOSURE OF ACCOUNT INFORMATION

You agree that merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosures of account information, and you further agree to release The Bank of Delmarva and hold it harmless from any liability arising out of the transmission of these messages.

We will disclose information to third parties about your account or electronic fund transfers made to your account:

Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
In order to comply with government agency our court orders; or
If you give us your permission in a record or writing.

AMENDING OR TERMINATING THE AGREEMENT

We may change this agreement from time to time. You will be notified at 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time.

SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE

Please keep in mind the following basic safety tips whenever you use an ATM:

Be aware of your surroundings when using an ATM, particularly during the hours of darkness.
Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose.
If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
Be accompanied by another person when using an ATM during the hours of darkness or if using an ATM in an isolated area. Have them watch from the car as you conduct your transactions.
Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location.
If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
When using the machine, stand so you block anyone else’s view from behind.
Use another ATM or return at a later time if anything suspicious is noticed.
If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors.
Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then.
Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.
Immediately report all crimes to the operator of the ATM and to local law enforcement officials.

ADDITIONAL PROVISIONS

Your account is also governed by the terms and conditions of other applicable agreements between you and The Bank of Delmarva.

03/2023

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