Disclosures

Disclosure

Disclosures

Use of Information & Materials

Any person is hereby authorized to view the information available from this website for informational purposes only. No part of this information may be redistributed, copied, or reproduced without the prior written consent of Seaside or its subsidiaries or affiliates. The product and fee information presented in this website represent Seaside’s offerings as of the most recent update. Rules, Regulations, Fee Schedules, and Service Agreements currently in effect take precedence over any information herein. The information contained in these pages is subject to change without notice. The company information contained in this site is provided for informational purposes only and is not a solicitation or offer to sell securities, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities. Neither Seaside, nor any of its subsidiaries or affiliates is acting as an advisor or fiduciary by publishing any information contained in this site.

No Warranties
The information and materials contained in the website are provided “as is” without warranty of any kind, either express or implied, including without limitation, any warranty of accuracy, adequacy or completeness of the information and materials, title, non-infringement of third party rights, merchantability, fitness for a particular purpose and freedom from computer virus.

Limitation of Liability
In no event will Seaside or any of its subsidiaries or affiliates be liable for any damages, losses or expenses, including without limitation, direct or indirect, special, incidental or consequential damages arising in connection with this website, use thereof or reliance on any information contained herein, even if Seaside or any of its subsidiaries or affiliates are notified of the possibility of such damages.

Choice of Law, Unenforceability
Your access to and use of this website, and these terms, are governed by and will be construed in accordance with the laws of the State of Florida, without regard to principles of conflicts of laws. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Business Internet Banking Disclosure

System hours of operation are generally 24 hours a day, seven days a week. Scheduled maintenance may occur on Sunday from 2 a.m. to 9:00 a.m. EST.

  • Customer Support
    Operational Support is available on business days at 1-800-593-4345 from 8:00 a.m. to 8:00 p.m. Eastern Time. Additional customer support is available on business days at 407-567-2222 from 8:00 a.m. to 5:00 p.m. Eastern Time via mail message within the system entitlement menu under Customer Support and Contact Us.
  • Business Days
    Business days are Monday through Friday, with the exception of federal holidays. Transactions initiated on Saturday, Sunday or any federal holiday will be processed by Seaside on the next business day.
  • Account Access
    Subject to the terms of the Business Internet Banking Service Agreement, you will generally be able to access your accounts through the bank website 24 hours a day, seven days a week. At certain times, Internet Banking may not be available due to scheduled system maintenance or circumstances beyond our control. Account access may be gained by calling Seaside’s Customer Service during regular business hours. Scheduled downtime for routine system maintenance will be performed on Sundays between the hours of 2:00 a.m. and 9:00 a.m. Eastern Time. The following services are subject to the following cutoff hours (Eastern Time) on business days:

    • Wire Transfers Domestic — 4:00 p.m. & Wire Transfers International — 2:30 p.m.
    • ACH payment and collection — 4:00 p.m.
    • Stop payment — 11:00 p.m.
    • Bill payment — 9:00 p.m.
    • Book/Express transfer — 11:00 p.m.
  • Termination
    Either you or Seaside may terminate these arrangements at any time by giving written notice to the other. The termination is effective immediately upon Seaside’s receipt of your written notice to terminate or Seaside’s mailing you of its written notice to terminate. These arrangements will be governed by and construed in accordance with the laws of Florida.

USA Patriot Act

Customer Identification Requirements

In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customers’ identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.

Luxury Expenditure Policy

Policies & Procedures
Date: February 2013

I. Purpose
Seaside National Bank & Trust is characterized by high ethical, moral and business standards. Our bank’s focus is on the “Client Experience” and doing what is right. It is the expectation that the conduct and actions of all Seaside Professionals be aligned with this focus. It is important that expenses within the company are aligned with the best interest of our clients, professionals and shareholders.

This policy is not intended in any way to limit or restrict the normal and customary expenditures for business development, employee training, retention, moral, or the ongoing operation of the company. It is critical for Seaside National Bank & Trust to maintain its branding integrity and for delivery of the Seaside client experience.

II. Person Affected
All persons employed by Seaside National Bank & Trust.

III. Policy
For our Officers, Directors and Professionals, Seaside National Bank & Trust’s policy prohibits excessive luxury expenditures outside of our well-defined strategic plan. These may include excessive expenditures on entertainment or events, office and facility renovations, aviation or other transportation services, or other activities or events that are not reasonable expenditures for staff development, reasonable performance incentives, or other similar measures conducted in the normal course of business operation.

Entertainment is defined as an activity that a professional or executive would use company funds for business development purposes relating to current client(s) or prospective client(s) or to further enhance Seaside’s marketing efforts.

The expectation is that all expenses incurred on behalf of the bank would be for company purposes and used to cultivate business for the bank. Reasonable events and entertainment involving clients is a necessary part of our marketing efforts and is not deemed as a violation of this policy.

Office and facility renovations should be relative to Seaside’s branding initiative and client experience. It is important for the company to protect its branding efforts. Spending on office and facility renovations should be aligned with the client experience and efforts to deliver excellent service.

Transportation/travel for Seaside professionals for company business should be conducted in the most cost appropriate way for the bank. The finance department will determine which mode of transportation is the most appropriate for our Company and our Shareholders. Modes of transportation to be used may consist of vehicle, commercial air service and private air service. A determination of transportation analysis should factor in cost, efficiency and timeliness of travel.

Expenses for activities or events should enhance Seaside Professional staff development, provide reasonable performance incentives for employees or otherwise be conducted in the normal course of operating our business.

IV. Expenditure Approvals
In accordance with established procedures, senior management will approve all expenditures for their area of responsibility. These expenses will be reviewed by our Finance department prior to reimbursement. Expenditures for the CEO will be reviewed by the Chairman of the Board.

Any new capital expenses or an expense out of the normal routine operation of business is reviewed and approved by the CEO or CFO prior to the expense being incurred.

The CFO certifies all expenditures via the check signing process.

V. Practice
All Seaside Professionals are expected to act in accordance with this policy in practice and in spirit. It is expected that all business decisions be made with the benefit of all of our constituents in mind: clients, shareholders, fellow teammates and community.

It is the responsibility of all Seaside Professionals to report any violations of this policy to the CEO, CFO or the Director of Human Capital. Upon learning of any alleged violation, Seaside management will promptly investigate the matter and take appropriate steps, which may include disciplinary action up to and including termination of employment.

This policy will be approved by the Board of Directors annually.

VI. Revisions
Seaside National Bank & Trust reserves the right to cancel or modify this policy, at its sole discretion, at any time. The CEO, CFO or the Director of Human Capital must approve revisions to this policy. The Board of Directors will review and have final approval of any revisions.

VII. Contact
Any questions regarding this policy should be directed to the Finance, Compliance or Human Capital Departments.

 


 

Private Internet Banking Information

Private Internet Banking Agreement and Disclosure

Introduction:
This Internet Banking Access Agreement for accessing your personal accounts via Seaside National Bank & Trust Online Banking explains the terms and conditions which govern online account activity. By using the online financial services provided by Seaside, you agree to abide by the terms and conditions of this agreement. This agreement will be governed by all applicable federal laws and regulations. In the event that no federal law applies, the agreement will be governed by laws and regulations effective in the State of Florida.

The term “business day” refers to every day except Saturday, Sunday and Federal Banking Holidays.

Accessing Your Accounts:
In order to activate Online Banking, you must have at least one account with Seaside. As a customer of Seaside, you may access your accounts by selecting and using an online password. You should keep your User ID and Password in a secure location and safeguard its confidentiality. Any person having access to this information will be able to access Online Banking and perform all transactions, including reviewing account information and making transfers to other accounts which are accessible.

To enroll in Online Banking you will be required to choose a User ID and Password known only to you. The User ID is case sensitive and must meet the following criteria:

  • Must contain at least two alpha and at least two numeric characters
  • Must be at least eight (8) characters, but no more than thirty two (32) characters

It is critical that you choose your password wisely. The password you choose is case sensitive and must meet the following criteria:

  • Must contain at least one alpha and at least one numeric character
  • Must be at least eight (8) characters, but no more than thirty two (32) characters
  • Your password may not be the same as your User ID

The user can change their password through Online Banking at any time, and occasional password changes are recommended. You will be asked to change your password at least once in a twelve-month period. You must notify us immediately if you believe that your password has been compromised.

Supporter Browser List (as of 01/2017):
Your browser is an important part of the overall security measures designed to protect your Internet banking transactions. We support the following operating systems and browsers:

Operating System

Microsoft Internet Explorer

Apple Safari®

Mozilla Firefox®

Google Chrome™

Windows 7

11.0

n/a

50.0

55.0

Windows 8.1

11.0

n/a

50.0

55.0

Windows 10

11.0, Edge

n/a

50.0

55.0

Mac OS X 10.11 (El Capitan®)

n/a

9.0

50.0

n/a

Mac OS X 10.12 (Sierra™)

n/a

10.0

50.0

n/a

iPad®

n/a

8.0

n/a

n/a

iPad® mini

n/a

7.1

n/a

n/a

Note: Cookies and JavaScript must be enabled.

Terms and Conditions:
The first time that you access any of your accounts through Online Banking, you confirm your agreement to abide by all the terms and conditions of this Online Agreement, and acknowledge your receipt and understanding of this disclosure. Seaside reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. After cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service, contact your Client Advisor or local office.

Balance Information:
You may access any eligible Seaside account on which you are authorized to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. Returns in process due to non-sufficient funds or stop payments may not be reflected in the inquiry.

If you do not access your accounts via Online Banking for any three-month period, Seaside reserves the right to disconnect your service. You agree to be responsible for any telephone and/or Internet Service Provider charges that you may incur by accessing your accounts via Online Banking at Seaside.

If you wish to cancel any of your Online Banking services, please contact your Client Advisor or local office, e-mail us at clientcare@seasidebank.com, or send us cancellation instructions in writing to: Seaside National Bank & Trust, Attn: Bank Operations, PO Box 2309, Orlando, FL 32802-2309.

In Case of Errors or Questions About Online Banking:
Please contact Client Care at 1-888-881-7628 in regards to errors or questions about your Online Banking service, or write to us at:

Seaside National Bank & Trust
Attn: Deposit Operations
PO Box 2309
Orlando, FL 32802-2309

Refer to the Electronic Funds Transfer Policy provided at account opening. It outlines how errors and questions on electronic funds transfers are processed.

Fees and Charges:
There are no monthly fees for viewing accounts or transferring funds between accounts. Please see the Private Banking brochure and/or the Schedule of Fees for any additional services charges that will apply.

We reserve the right to change the fees, charges or other terms outlined in this agreement. We will notify you of changes, either by written notice or via e-mail. We also reserve the right to update this agreement at any time that we deem necessary. You may choose to accept or decline changes by continuing or discontinuing the service to which the changes relate.

Changes to fees applicable to specific accounts are governed by the applicable account disclosure.

Hours of Accessibility:
You may access Online Banking at Seaside seven days a week, twenty-four hours a day. Necessary system maintenance will be scheduled for hours in which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated telephone voice response system, a Publix Presto! ATM machine or a branch office to conduct your transactions.

Customer Rights and Responsibilities:
In addition to this agreement you agree to be bound by and comply with the account agreement and account disclosure, the rules and regulations of the electronic transfer system, and the state and federal laws and regulations including the Regulation E disclosure that you received when you opened your account. You, the customer, are responsible for keeping your PIN and account data confidential. We are entitled to act on transaction instructions received using your PIN, and you agree that the use of your PIN will have the same effect as your signature, authorizing the transactions. If you authorize other persons to use your PIN in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, or changed your PIN. You, the customer, agree that you are responsible for any transactions made by such persons until such time that we receive and have time to act upon

the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.

You must notify us immediately if you suspect that another person has improperly obtained use of your online password. You must also notify us if someone has transferred or may transfer money from your bank account without your permission, or if you suspect any fraudulent activity related to your account. You should reveal your account number only to legitimate entities for purposes you authorize, such as automatic payments to your insurance company. To notify us, call 888-881-7628, e-mail at clientcare@seasidebank.com or call your Client Advisor.

Stop Pays:
Stop pays will be processed the same day as long as they are received before 4:00 p.m. EST. We WILL NOT be liable if you, or anyone you allow, supply any incorrect or incomplete information that affects said transaction. The bank uses a computer system to check for stop payments. If you do not give the bank the exact amount of the check and the exact check number, the bank will not identify the proper check and the check will not be stopped. We will not be liable if circumstances beyond our control (such as fire, flood, or improper transmission) keep us from receiving the stop payment order, despite reasonable precautions taken by us, or if any electronic terminal, telecommunications device, or any part of the electronic system is not working properly. Stop payments on ACH/EFT items cannot be placed online. Please contact your local branch office.

Stop Payment Agreement:
You agree that unless your stop payment order is received by the bank within a reasonable time for the bank to act on your order prior to final payment of the check, the bank will not be responsible for stopping payment. You agree that you may not stop payment on any type of ACH/EFT transfers including Point of Sales and Pre-authorized ACH transactions, any Cashiers Check, certified check or other financial institution check you have purchased from the bank, or any check of which the bank has guaranteed. You understand that your stop payment request is conditional and subject to the bank’s verification that the check has not already been paid or that some other action to pay the check has not been taken by the bank. A stop payment order against a check is effective only against the check that is described in the online stop payment order. A written stop payment order is effective for six (6) months only and will expire automatically at that time unless you have specifically renewed it prior to expiration.

Indemnification:
You agree to indemnify, defend and hold the bank harmless against all costs, including attorneys fees, actions, damages or claims related to or arising from the bank’s action in refusing payment of the check, including claims of any joint depositor, payee or endorsee or in failing to stop payment of a check, as a result of incorrect information provided by you. You agree to notify the bank promptly upon the issuance of any duplicate check, which replaces the check subject to this order or upon return of the original check.

Limitations on Bank Liability:
The bank will not be responsible for the following incidents, errors or failures:

  • Access – The bank will not be responsible for failure to provide access to Online Banking at Seaside due to a system failure or due to other unforeseen acts or circumstances.
  • Your Computer Equipment or Software- We will not be responsible for any error or failures from a malfunction of your computer or any computer virus or other problems related to your computer equipment used with Online Banking. The bank is not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of any system you use, including your browser (Microsoft Explorer, Netscape Navigator, or otherwise), your Internet service provider (ISP), your personal financial management or other software, (such as Quicken, or Microsoft Money), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Seaside.

Electronic Mail (E-mail):
You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues, in which case we will respond by e-mail. E-mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal or financial information by e-mail. There may be times when you need to speak with someone immediately, in these cases, contact your Client Advisor.

 

Online Bill Payment Agreement

This Agreement between you and Seaside National Bank & Trust governs the use of Online Bill Payment within our Private Internet Banking service. This Agreement supplements your Private Internet Banking Online Banking Agreement and other deposit agreements with Seaside.

The Bill Payment service permits you to use your Internet-enabled device to direct payments from your designated Online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment service, you can pay bills from your Bill Pay Account to businesses or individuals.

All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly or monthly intervals (a “recurring payment”). If a recurring payment is chosen, the bill will be paid automatically each billing period. If the payment is not a recurring payment, it will be a “one-time payment.” One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any change to information you have given us about a payee to reflect the change in our records.

When you create a new payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.

For all subsequent payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). 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, and the payment is not received by the payee in a timely manner, a representative of Seaside will work with the payee on your behalf to have any late fees or charges reversed.

Seaside is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. We will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee’s address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Seaside.

If the session during which you schedule a payment or transfer ends by 7:00 PM eastern, Seaside will consider it to have been received on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls.

If your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by us to make the transfer or payment. Seaside shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Service. In the case of recurring payments, only the payment currently scheduled will be canceled. Recurring payments scheduled for future dates will not be affected.

The way to cancel or change a payment is to use the Service. Payments must be changed or canceled using the Service prior to 7:00 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. After six months, any stop payment will terminate and must be renewed in order to continue in effect. Seaside may pay any item that is presented following the lapse of any stop payment order.

Please contact Client Care at 1-888-881-7628 in regards to errors or questions about your Online Banking service, or write to us at Seaside National Bank & Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309. Refer to the Electronic Funds Transfer Policy provided at account opening. It outlines how errors and questions on electronic funds transfers are processed.

Expedited Bill Payment
See the Expedited Bill Pay Service Terms and Conditions.

 

Personal External Transfers Agreement

General
This Agreement between you and Seaside National Bank & Trust governs the use of External Transfers within our Private Internet Banking service. This Agreement supplements your Private Internet Banking Online Banking Agreement and other deposit agreements with Seaside.

The terms “you” and “your” refer to the individual customer accepting this Personal Transfer Agreement (this “Agreement”). The terms “our”, “we”, and “us” refer to Seaside National Bank & Trust.

By entering into this Agreement, you can electronically transfer funds from your personal checking or savings account at Seaside (an “Eligible Account”) to an enrolled personal checking or savings account that you own at another financial institution (an “External Account”). You can also electronically transfer funds from an External Account to your Eligible Account at Seaside. Each transfer you make to or from an External Account at another institution is called an “External Transfer”.

Authorization and Termination
By enrolling an External Account, or by making an External Transfer, you accept the terms of the Agreement and: (a) represent and warrant that you are an owner of that External Account (and that you are authorized by any other owners of the External Account to enroll that account and make External Transfers); and (b) authorize Seaside to initiate debit and credit transactions on the External Account based on instructions entered through Seaside’s website, or to correct any errors that Seaside identifies.

Your authorizations to Seaside regarding any External Account will remain in full force until you terminate Services for that or all your External Accounts as provided herein in the section entitled “Termination of the Services.”

Enrollment of an External Account
You will need to enroll an External Account before you can transfer funds to or from that External Account. To “enroll” an External Account, you must provide the following information regarding that External Account, account number, the ABA Routing and Transit number for the external financial institution, the name of the external financial institution, and whether the External Account is a checking or savings account. By enrolling an External Account, you authorize Seaside to make a group of small transactions that a user of that External Account must verify, within 21 days, before Seaside will approve that account for External Transfer activity.

Seaside reserves the right to reject an enrollment request for any reason, including without limitation potential fraud or misuse, limitations as outlined by the United States Department of the Treasury’s Office of Foreign Assets Control, or an incomplete enrollment. You agree to enroll only personal accounts (business, corporate, or organization accounts are NOT allowed).

Not all types of accounts are eligible for ACH transfers. You may be subject to penalties by the other financial institution, or may suffer negative tax consequences, for certain transactions involving retirement (401k, IRA, etc.), savings, money market accounts, certificates of deposit, trusts, loans, custodial, business, corporate and other types of accounts. It is your responsibility to verify with the external financial institution any restrictions regarding transfers to or from any External Account that you enroll. Seaside is not responsible for direct, indirect, special or consequential costs, fees, losses, penalties, or other damages resulting from External Transfers that are not permitted under restrictions of other financial institutions or those imposed by applicable laws and regulations.

External Account Number Policy
Seaside may, but is not obligated to validate any External Account number that you provide in the enrollment process. It is your responsibility to ensure you enter a valid and correct External Account number. External Transfers sent to invalid or incorrect account numbers may not be recoverable. If you provide an invalid or incorrect External Account number, Seaside will NOT be responsible for returning funds due to an unrecoverable External Transfer.

Transferring to an External Account
All External Transfers to enrolled External Accounts are subject to the rules and regulations of the other financial institution. You agree not to transfer any funds to an External Account where that transaction would not be allowed under the rules or regulations applicable to such accounts. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds to an External Account.

When you place an order for an External Transfer to an External Account, Seaside will hold the funds on the scheduled date of the transaction. The hold will remain in effect until the funds are sent and the transaction is posted.

We may honor but are not required to honor External Transfers to an External Account in excess of the collected funds in your Eligible Account. If your Eligible Account has insufficient funds to cover an External Transfer to an External Account, Seaside may, at its sole discretion:

  • Honor the funds transfer under the terms of any Seaside overdraft protection plan you have established.
  • Honor the funds transfer and create an overdraft in your Eligible Account. Seaside may hold balances in your other Seaside accounts until the overdraft is paid.
  • Refuse to honor the funds transfer.
  • Cancel any and all External Transfers to any and all External Accounts.

Fees may apply to any of the above remedies. Please refer to your Seaside Deposit Agreement for additional details.

If any External Transfers to an External Account are returned to Seaside for any reason, Seaside will return the funds, within a reasonable time, to your Eligible Account.

Transferring from an External Account
All External Transfers from External Account(s) are subject to the rules and regulations of the other financial institution. You agree not to transfer any funds from an External Account where that transaction would not be allowed under the rules or regulations applicable to such account. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds from an External Account.

If any External Transfer from an External Account is rejected or returned, you authorize Seaside to collect from any of your Seaside accounts (including any overdraft protection) sufficient funds to cover the transaction. Any applicable fees will be charged at the same rate as an internal account overdraft. If funds are not available from any of your Seaside accounts, you agree to promptly reimburse Seaside for the amount of the return along with applicable service fees, accrued interest, collection fees, and/or legal fees.

Canceling Specific Funds Transfers
You may cancel any scheduled one-time or recurring transfer initiated through the Seaside Online Banking website if you do so within two business days prior to the scheduled transaction processing date (i.e., three business days prior to the scheduled delivery date). This can be done by submitting an e-mail to clientcare@seasidebank.com or by calling 1-888-881-7628.

A cancellation request for a one-time transfer will apply to that specific transaction.

Seaside may refuse to honor any External Transfer, at any time for any or no reason, including but not limited to: written or verbal notice from other apparent owners of the External Account; overdrafts, unrecoverable rejects, or returns from the external financial institution; fraud; and/or illegal use.

Termination of the Service
If, at any time, you wish to terminate your use of the Service for any or all enrolled External Accounts, you will need to discontinue use of the Service and immediately cancel any scheduled transactions, whether one-time or recurring transactions. (See Section entitled “Canceling Specific Funds Transfers.”) You may cancel transactions that are not in-progress through the Seaside’s Online Banking website.

Termination of Service with an External Account may be requested by you, or by any other owner or person presenting ownership of that External Account. Notwithstanding your termination of the Service, this Agreement will continue to govern any transactions that cannot be canceled at the time of your termination.

Seaside reserves the right to terminate your access, or any access, to this Service, to cancel any and all transactions, and remove any or all enrolled External Account for any or no reason, including without limitation fraud, misuse, ACH transaction rejects and returns, or any unauthorized access or use of the Service.

Transfer Limits
For security purposes, Seaside establishes limits on the amount of funds transfers that can be made during any one day. External Transfers are currently limited to a daily aggregate of $10,000 for External Transfers to your Eligible Accounts, and a daily aggregate of $10,000 for External Transfers from your Eligible Accounts. Limitations on aggregate or individual transfer amounts may be changed at any time without notice at Seaside’s discretion. In addition, if you transfer from a savings or Money Market account, the account is limited to a total of six transfers per statement cycle. See your Seaside Deposit Agreement for details.

In Case of Errors or Questions About Your External Transfers
Please contact Client Care at 1-888-881-7628 in regards to errors or questions about your External Transfers, or write to us at: Seaside National Bank & Trust, Attn: Deposit Operations, PO Box 2309, Orlando, FL 32802-2309.

Refer to the Electronic Funds Transfer Policy provided at account opening. It outlines how errors and questions on electronic funds transfers are processed.

Fees
There is no fee charged by Seaside for enrolling in this Service, or for making an External Transfer. However, there may be fees charged by the external financial institution for ACH transactions involving an External Account. You should check with your other financial institution for any such fees.

Changes to Fees or Other Terms
We reserve the right to change the fees or other terms described in this Agreement, as set forth in the Online Banking Services Agreement