{"id":"court_sdny_208_5","court":"SDNY","case_no":"23-cr-00118","doc_number":208,"sub_number":5,"doc_type":"UNKNOWN","filed_date":null,"title":"MERCANTILE BANK INTERNATIONAL CORP. ONLINE CUSTODY & BANKING SERVICES AGREEMENT","summary_zh":"银行服务协议 —— 美国诉 Ho Wan Kwok（郭文贵 / Guo Wengui / Miles Guo）案，SDNY 1:23-cr-00118 ECF #208。Mercantile Bank International Corp.的在线托管和银行服务协议条款，涵盖账户开设、资金转移、合规要求、隐私政策等标准条款。","summary_en":"Banking Services Agreement —— United States v. Ho Wan Kwok (Miles Guo), SDNY 1:23-cr-00118 ECF #208. Mercantile Bank International Corp. online custody and banking services agreement terms covering account opening, fund transfers, compliance requirements, and privacy policies.","body_en":"# **MERCANTILE BANK INTERNATIONAL CORP.**\n\n# **ONLINE CUSTODY & BANKING SERVICES AGREEMENT**\n\n**ALL CLIENTS OF MERCANTILE BANK INTERNATIONAL CORP. (\"MBI\") THAT OPEN ACCOUNTS SHALL BE SUBJECT TO, AND SHALL BE BOUND BY, THIS ONLINE CUSTODY & BANKING SERVICES AGREEMENT.**\n\n**THIS ONLINE CUSTODY & BANKING SERVICES AGREEMENT IS SUBJECT TO MODIFICATION BY MBI AT ANY TIME. REVISED TERMS SHALL BE EFFECTIVE IMMEDIATELY UPON PUBLICATION IN ELECTRONIC FORM ON MBI'S WEBSITE OR RECEIPT BY CLIENT VIA EMAIL.**\n\n> **VERSION 2022-09 LAST REVISED: 2020-06**\n\n# **TABLE OF CONTENTS**\n\n- **1. DEFINITIONS**\n- **2. OVERVIEW OF ONLINE BANKING SERVICES**\n\t- 2.1. ACCOUNT APPLICATION AND APPROVAL\n\t- 2.2. INFORMATION YOU GIVE US AT ACCOUNT OPENING\n\t- 2.3. ACCOUNT INFORMATION\n\t- 2.4. NOT FDIC INSURED\n\t- 2.5. CHANGES TO THIS AGREEMENT\n\t- 2.6. ACCOUNT CLOSURES\n\n# **3. E-SIGN DISCLOSURE AND CONSENT**\n\n- 3.1. INTRODUCTION\n- 3.2. ADDITIONAL DEFINITIONS THAT APPLY TO THIS SECTION\n- 3.3. RECORDS AND COMMUNICATIONS MAY BE PROVIDED IN ELECTRONIC FORM\n- 3.4. REQUESTING PAPER COPIES\n- 3.5. SYSTEM REQUIREMENTS\n- 3.6. WITHDRAWAL OF YOUR CONSENT\n- 3.7. UPDATING YOUR INFORMATION\n- 3.8 FEDERAL LAW\n- 3.9. TERMINATION OF THE E-SIGN DISCLOSURE PROVISION\n- 3.10. CONSENT TO RECEIVE ELECTRONIC RECORDS\n\n# **4. PRIVACY POLICY**\n\n- 4.1. IN GENERAL\n- 4.2. THIRD PARTY DISCLOSURES\n- 4.3. ANONYMIZED CLIENT DATA\n- 4.4. DATA PROTECTION\n\n# 5. **GENERAL TERMS**\n\n- 5.1. ACCOUNT OPENING AND OWNERSHIP\n- 5.2. RELIANCE ON INFORMATION\n- 5.3. MANAGEMENT OF YOUR ACCOUNT\n- 5.4. ASSIGNMENT OF YOUR ACCOUNT\n\n# **6. CUSTODY ACCOUNT SERVICES**\n\n- 6.1. OUR RELATIONSHIP WITH YOU\n- 6.2. INSTRUCTIONS REGARDING MANAGEMENT OF CUSTODIAL FUNDS\n- 6.3. MANAGEMENT OF FUNDS HELD IN CUSTODY\n- 6.4. ADDITIONAL CUSTODY ACCOUNT FEATURES\n- 6.5. NOT FDIC INSURED\n\n6.6. LIMITATIONS ON WITHDRAWALS\n\n# **7. TRANSFER SERVICES**\n\n- 7.1. FUNDING YOUR ACCOUNT\n- 7.2. LINKING EXTERNAL ACCOUNTS; EXTERNAL ACCOUNT TRANSFERS\n\n# **8. FUNDS AVAILABILITY**\n\n# 8.1. WHEN ARE FUNDS AVAILABLE?\n\n8.2. PROCESSING TRANSACTIONS\n\n# **9. INSUFFICIENT FUNDS AND OVERDRAFT PROTECTION**\n\n# **10. FEES & SET-OFF**\n\n# **11. OTHER TERMS AND CONDITIONS**\n\n- 11.1. ADDITIONAL DEFINITIONS THAT APPLY TO THIS SECTION\n- 11.2 BANK SECRECY ACT COMPLIANCE\n- 11.3. SUSPENSION OF SERVICES\n- 11.4 INVESTIGATIONS, GOVERNMENTAL AUTHORITIES AND LEGAL PROCEEDINGS\n- 11.5 SETOFF AND SECURITY INTEREST\n- 11.6. LIMITS ON LIABILITY\n- 11.7. CLIENT RESPONSIBILITIES, REPRESENTATIONS AND WARRANTIES\n- 11.8. CHOICE OF LAW AND DISPUTE RESOLUTION\n- 11.9. UNRETURNED OR ABANDONED PROPERTY\n- 11.10. TAXES\n- 11.11. MISCELLANEOUS\n\n# **SCHEDULE OF FEES**\n\n## **1. DEFINITIONS**\n\nThe following terms and definitions apply when used in this Online Custody & Banking Services Agreement. Terms used but not defined below shall have the meaning assigned to them in the Uniform Commercial Code. References to the Uniform Commercial Code are to the Uniform Commercial Code in the State of New York.\n\n\"**ACH**\" means the Automated Clearing House electronic funds transfer network.\n\n\"**Affiliates**\" means, with respect to any specified Person any other Person that controls, is controlled by, or is under common control with such specified Person. As used herein, the term \"control\" means, with respect to any Person, the power, directly or indirectly, to direct or cause the direction of the management and policies of such Person, whether through the ability to exercise voting power, by contract or otherwise.\n\n**\"Agreement**\" means this Online Custody & Banking Services Agreement, as amended, modified and supplemented from time to time.\n\n**\"Authorized Persons**\" means any Person authorized in writing by a Client of MBI pursuant to this Agreement to act as an agent on the Client's behalf in dealing with MBI.\n\n\"**Available Account Balance**\" means, the balance of funds in your Account available for transfer to an External Account subject to the limitations described in this Agreement. The Available Account Balance may be more or less than the amount of your posted balance. Please consult Section 8 of this Agreement for additional information on how we calculate the Available Account Balance.\n\n\"**Business Day**\" means any day in which financial institutions of the United States are open for business, unless otherwise specified.\n\n\"**Cash Equivalents**\" means (a) securities issued, or directly, unconditionally and fully guaranteed or insured, by the United States or any agency or instrumentality thereof (provided that the full faith and credit of the United States is pledged in support thereof) having maturities of not more than one year from the date of acquisition; (b) time deposits and certificates of deposit of any commercial bank having, or which is the principal banking subsidiary of a bank holding company organized under the laws of the United States, any state or province thereof or the District of Columbia having, capital and surplus aggregating in excess of \\$500,000,000 and a rating of \"A\" (or such other similar equivalent rating) or higher by at least one nationally recognized statistical rating organization with maturities of not more than one year from the date of acquisition; (c) repurchase obligations with a term of not more than 30 days for underlying securities of the types described in clause (a) above entered into with any bank meeting the qualifications specified in clause (b) above, which repurchase obligations are secured by a valid perfected security interest in the underlying securities; (d) commercial paper issued by any Person incorporated in the United States rated at least A-1 or the equivalent thereof by Standard & Poor's Rating Service or at least P-1 or the equivalent thereof by Moody's Investors Service Inc., and in each case maturing not more than one year after the date of acquisition; and, (e) investments in money market funds substantially all of whose assets are comprised of securities of the types described in clauses (a) through (d) above.\n\n\"**Client**\" means, at any time, a Person who is recorded in the books and records of MBI as the owner of an active Custody Account.\n\n\"**Client Data**\" means, with respect to any Client, (i) data from or about such Client, and (ii) data about such Client's use of the Services.\n\n\"**Custodian**\" means MBI in the capacity of Client's appointed Custodian pursuant to this Agreement.\n\n\"**Custody Account**\" or \"**Account**\" means the record maintained on the books and records of Custodian of the Fiat Currencies and Digital Assets that Client has placed into the custody and possession of Custodian pursuant to the terms and conditions of this Agreement subject to the direction of the Client and/or its Authorized Persons.\n\n\"**Custody Account Statements**\" means, with respect to any Client, statements of account for such Client's Custody Account.\n\n\"**Custodial Funds**\" has the meaning given to such term in Section 6.2.\n\n\"**Digital Assets**\" means any virtual currency, token or other digital asset approved by MBI for deposit into Custody Accounts and as identified on MBI's website or as otherwise notified to Client as \"approved\" pursuant to this Agreement.\n\n\"**Domestic Person**\" has the meaning given to such term in Section 2.1.\n\n\"**E-SIGN Disclosure and Consent Agreement**\" has the meaning given to such term in Section 3.\n\n\"**External Client Account**\" means, with respect to any Client, any account maintained by such Client at a third party that is approved by MBI as a source or destination for transfers of Fiat Currencies or Digital Assets.\n\n\"**Fedwire**\" has the meaning given to such term in Section 7.1.\n\n\"**Fiat Currencies**\" means U.S. dollars and any other government-backed fiat currencies approved by MBI for deposit into Custody Accounts and as identified on MBI's website or as otherwise notified to Client.\n\n\"**MBI**\" means Mercantile Bank International Corp., a Puerto Rico corporation, and its successors and permitted assigns.\n\n\"**Omnibus Account**\" has the meaning given to such term in Section 6.3.\n\n\"**Law**\" means any applicable constitutional provision, statute, act, code (including the Code), law, regulation, rule, ordinance, order, decree, ruling, proclamation, resolution, judgment, decision, declaration, writ, injunction, arbitral award or interpretative or advisory opinion or letter of any Governmental Authority.\n\n\"**Patriot Act**\" has the meaning given to such term in Section 11.2.\n\n\"**Person**\" means any individual, company, corporation (including a non-profit corporation), sole proprietorship, general or limited partnership, limited liability company, joint venture, syndicate, estate, trust, association, organization, Governmental Authority, or other entity.\n\n\"**Posted Balance**\" means the balance of funds in an Account based solely on items that have been posted as credits or debits. Unlike the available balance, the posted balance does not reflect any holds placed on the Account. The posted balance may be more or less than the amount of your Available Balance.\n\n\"**Services**\" has the meaning given to such term in Section 2.\n\n\"**SWIFT Payment**\" has the meaning given to such term in Section 8.1.\n\n\"**Subcustodians**\" has the meaning given to it in Section 6.2.\n\nThe words \"**we,**\" \"**our,**\" and \"**us**\" mean Mercantile Bank International Corp., affiliates, successors, and assigns.\n\nThe words \"The words \"**you**\" and \"y**our**\" mean each applicant, account owner and anyone else with access to the account. If there is more than one owner, then these words mean each account owner separately, and all account owners jointly.\n\n# **2. OVERVIEW OF ONLINE CUSTODY AND BANKING SERVICES**\n\nThank you for choosing to work with MBI to meet your online custodial, trust, and banking needs. MBI is an International Financial Entity headquartered in San Juan, Puerto Rico, a territory of the United States of America, and supervised by the Office of the Commissioner of Financial Institutions of Puerto Rico. **MBI IS NOT A MEMBER OF THE FDIC AT THIS TIME, AND AMOUNTS HELD AT MBI ARE NOT ELIGIBLE FOR U.S. FEDERAL DEPOSIT INSURANCE**\n\nThis Agreement between you and MBI applies to your use of MBI online custody and banking services described herein. By opening or maintaining an Account with us, you accept and agree to be bound by the terms and conditions of this Agreement and terms of services described herein. The term \"**Services**\" as used in this Agreement means any service provided by MBI pursuant to this Agreement, including, but not limited to, Custody Account and transfer services, or any other financial product or service made available to you by MBI through its website or by other means.\n\nThis Agreement includes the following disclosures applicable to the Services that MBI may agree to provide to you, including: (1) Account features and fees; (2) privacy policies; (3) E-SIGN consent; (4) electronic fund transfer services; (5) funds availability and transaction posting policies; and (6) additional disclosures regarding your Account(s). Fees mentioned throughout this Agreement can be found on www.mercantile-bank.com.\n\nMBI, in its sole discretion, may from time to time choose to work with third-party financial institutions or other service providers. You acknowledge and agree that additional terms may apply to your use of MBI's Services if we offer them in connection with services provided by third-party service providers. You acknowledge and agree that additional terms will apply to your use of MBI's Services if you choose to access them in conjunction with an independent relationship of yours with a third-party with whom we work.\n\nMBI, in its sole discretion, may provide you with a foreign-language translation of this Agreement, and any related agreements, in order to help you better understand the material terms and conditions pursuant to which we offer the Services as well as your obligations hereunder. Foreign-language translations provided by MBI are provided for your convenience, only. In the event of a discrepancy between this English-language Agreement and any foreign-language translation of it, whether provided to you by MBI or otherwise, this English-language Agreement shall control.\n\n#### 2.1 Account Application and Approval\n\nIn order to open an Account at MBI, eligible persons are required to (i) complete an application by providing such information as MBI may require, in its discretion, to comply with applicable BSA/AML Requirements (as defined in Section 11.2. below), and (ii) if such Account application is approved by MBI, enter into one or more agreements with MBI on terms acceptable to MBI, including this Agreement. MBI may reject any application and MBI may decline to enter into an Agreement with any person, for any reason.\n\nPersons that meet the definition of \"domestic person\" under Section 2(j) of the International Financial Center Regulatory Act of Puerto Rico are not legally permitted to become a client of MBI. \"**Domestic Person**\" means any natural person who is a resident of Puerto Rico, or a person incorporated or organized under the laws of Puerto Rico, or a person whose principal place of business is located in Puerto Rico, or a foreign corporation with offices, in accordance with the provisions of the Puerto Rico Internal Revenue Code, considered to be doing business in Puerto Rico, and the Government of Puerto Rico and the agencies, instrumentalities, political subdivision, and public corporations thereof or other entities of the Government of Puerto Rico.\n\n#### 2.2. Information You Give Us at Account Opening\n\n*USA Patriot Act Notice.* To help the government fight the funding of terrorism and money laundering activities, the federal laws of the United States of America, including the USA PATRIOT Act, require all financial institutions to obtain, verify and record information that identifies each person or business that opens an account with a financial institution. What this means for you: When you use our services, we will ask for your name, address, date of birth, and other information that will allows us to identify you. For all applicants, we will ask to see a form of identification with your photograph, and we may also ask to see other identifying documents, such as a social security card, if applicable, passport, driver's license or other government-issued form of identification. Clients from non-US jurisdictions may be asked for different or additional identification information, in the discretion of MBI.\n\n*Business Accounts.* When you apply for an Account as a business, we will ask for your business name, address, Tax Identification Number (TIN), and information about the business's beneficial owners. We will also ask for the name, address, date of birth and social security number or similar documents sufficient for us, in our sole discretion, to establish the identity of the natural Person(s) opening the Account as well as the beneficial owners and/or officers of the legal entity. We may seek to validate the information you provide to us using third-party services or other means to ensure we have a reasonable belief of your identity and your business. If we are not able to verify your identity or the identity of the business to our satisfaction, we may decline your application or we may close the Account if it was previously opened.\n\n*Verification of Your Information*. You understand and agree that we may share any information you submit to us in connection with your Account with our affiliates, subsidiaries or other third parties for the purposes of verifying your identity, verifying other information in your application, or for on-going account monitoring. You understand and agree that we may also seek to obtain a credit report in connection with your application, or any other of our Services that your request to receive. Sharing this information is necessary to evaluating your application and providing transaction-related services in compliance with MBI's BSA/AML Requirements.\n\n*False Information.* You understand and acknowledge that the submission of false information at account opening, or failure to timely update us with respect to material changes, may expose MBI to liability because of its BSA/AML Requirements, among other potential sources of legal and regulatory liability. You understand further that your willful or negligent submission of false information at account opening, or any time after becoming a Client, may result in costs to MBI in any form, including, but not limited to, the costs of defending MBI against legal or regulatory actions brought by competent authorities, or civil and/or criminal monetary penalties. To the fullest extent of the law, you agree to indemnify against such costs as are demonstrably and directly incurred by MBI as a result of your willful or negligent submission of information at account opening or at any time after becoming a Client of MBI. You may also be billed in advance for legal and compliance costs that we reasonably believe may be incurred in connection with government inquiries relating to any Account you control with us. Advance billing for legal and compliance costs shall not exceed 50% of your Account value at the time we receive notice of legal or regulatory actions. Monthly summary invoices shall be provided to you of costs actually incurred by MBI. If you believe that the amounts billed to your Account are in error, you agree that your exclusive remedy is to seek arbitration of your dispute pursuant to the dispute resolution provisions contained in Section 11.8 of this Agreement.\n\n#### 2.3. Account Information\n\n*In General*. MBI shall make available information about a Client's Account to the Client through MBI's website, including the current balance and a summary of recent transactions.\n\n*Account Statements.* MBI shall provide or make available to Clients statements summarizing the balances and transaction activity in their Accounts on a monthly basis exclusively by Electronic Means (as defined in Section 3). Account Statements for a Client account shall reflect all activities involving the Account during the preceding calendar month, including posted and pending transfers. Clients are responsible for promptly examining each Account Statement and notifying MBI of any potential errors discrepancies**. MBI WILL NOT BE RESPONSIBLE FOR ERRORS OF WHICH YOU DO NOT NOTIFY US WITHIN THIRTY (30) DAYS AFTER THE DATE OF THE ACCOUNT STATEMENT.**\n\n#### 2.4. Not FDIC Insured.\n\nYour Custody Account with MBI is **NOT INSURED** by the U.S. Federal Deposit Insurance Corporation nor by any governmentsponsored or non-government sponsored insurance scheme or product in the United States of America, Puerto Rico or any other jurisdiction.\n\n#### 2.5. Changes to This Agreement\n\nWe may change this Agreement at any time. We may add new terms, delete or amend existing terms, or add new types of accounts and services and discontinue existing types of accounts or services. We may convert existing accounts and services into new accounts and services. We will give you reasonable notice in writing or by any method permitted by law of an adverse change to you in this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you.\n\nWhen we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in Section 2.6. below.\n\n#### 2.6. Account Closures\n\nYou or we may close your Account at any time without prior advance notice. Any amounts held at MBI at the time your Account is closed will be returned to you, subject to the terms, conditions, limitations and fees outlined in this Agreement.\n\nMBI may, in its sole discretion and without notice to you, to the extent permissible under applicable law and other governing documents applicable to your Account, decline, delay, cancel and/or reverse your orders, transactions or instructions, and/or place disbursement and other restrictions on any of your accounts. MBI may close your Account or convert your Account to another account type at its discretion. MBI need not give any advance notice of Account closure initiated by MBI for any reason.\n\nIf an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account.\n\nIf your Account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the Account open or close the Account without notice. MBI may also charge you an inactive account fee in the amounts set forth in MBI's fee schedule if there is no activity in your account for a period of three months.\n\n# **3. E-SIGN DISCLOSURE AND CONSENT**\n\n# 3.1 Introduction\n\nThis E-SIGN Disclosure and Consent Agreement (the \"**E-Sign Agreement**\") allows us to provide you with electronic versions of important documents and notices associated with opening an Account at MBI as well as all other information that we may be required to provide to you in writing by law. **YOU MUST AGREE TO THIS E-SIGN AGREEMENT TO OPEN AN ACCOUNT WITH MBI AND USE ITS SERVICES.**\n\n# 3.2 Additional Definitions That Apply to This Section\n\n**\"Electronic Means**\" means a form of electronic communication reasonably accessible to the Client, including, but not limited to, records and communications transmitted (i) by email, (ii) by posting to a website designated in email from MBI to you, or (iii) to the extent permissible by law, by access to a website generally designed in advance for such a purpose.\n\n**\"Records and Communications**\" includes, but is not limited to, all legal and regulatory disclosures, notices or disclosures related to opening an Account at MBI or changes to its terms governing your use of its services, all notices regarding our policies, and any other information we may be required to provide you in writing by law or regulation.\n\n## 3.3. Records and Communications May be Provided in Electronic Form\n\nYou agree that we may provide you with Records and Communications by Electronic Means. Your agreement does not mean that we must provide Records and Communications electronically, but instead that we may deliver some or all of those documents electronically in our sole discretion.\n\n#### 3.4. Requesting Paper Copies\n\nYour consent to receive Records and Communications electronically means that we will not send your paper copies of any Records and Communications transmitted electronically unless you request it or we otherwise deem it appropriate to do so. To request that a paper copy of any particular electronic Records and Communications be mailed to you, please contact us at bankops@mercantile-bank.com. Please specify in your email that you are requesting a paper copy of electronically transmitted Records and Communications and state the title(s) and date(s) of the particular Records and Communications that you are requested. We may charge a fee for mailing you a paper copy of Records and Communications.\n\n#### 3.5. System Requirements\n\nIn order to access, view and retain electronic Records and Communications, your access device must meet the following minimum hardware and software requirements:\n\n- i. An internet browser that we support, which include Internet Explorer 10.x or higher, Safari 3.2.x or higher, Firefox 32.x or higher and Chrome 38.x or higher, Mac OSX Safari 5 and higher, Safari for iOS 6 and higher, Chrome for iOS, and Chrome for Android;\n- ii. Local, electronic storage capacity to retain Records and Communications or a printer to print them;\n- iii. A valid email account and software to access that email account;\n- iv. An up-to-date device or devices (e.g., computer, tablet, mobile phone, etc.) suitable for connecting to the Internet and supported by MBI;\n- v. An operating system capable of receiving, accessing and displaying Records and Communications from us in electronic form via text-formatted email or access to our website using a supported browser;\n- vi. A printer that can interface with your devices, if you want to print paper copies of Records and Communications sent to you in Electronic Form.\n\nBy viewing this information in electronic form on any access device that meets the minimum system requirements, you are reasonably demonstrating your ability to access Records and Communications using Electronic Means.\n\n#### **Please contact us at bankops@mercantile-bank.com if you have difficulties accessing or viewing documents by Electronic Means on an access device.**\n\n#### 3.6 Withdrawal of Your Consent\n\nYou may withdraw your consent to receive Records and Communications by Electronic Means at any time. To withdraw your consent prior to completing the application, simply exit this session prior to acknowledging your acceptance of this agreement. To withdraw your consent after you have submitted your application or opened an Account, please contact us at onboarding@mercantile-bank.com. Please note that withdrawal of your consent to received Records and Communications by Electronic Means will result in the revocation of your access to MBI's services and the termination of our business relationship with you. Such termination will only take effect after a reasonable period to process your withdrawal.\n\n#### 3.7. Updating Your Information\n\nIt is important that you provide us with true, accurate and complete email address, contact and other information related to this E-Sign Agreement so that we may contact you with Records and Communications regarding your Account. You agree to maintain a valid email address and to promptly notify us of any changes to your email address, contact or other information. You may update your email address, contact and other information through our website.\n\n#### 3.8. Federal Law\n\nYou acknowledge and agree that this E-Sign Agreement is being provided to you in connection with a transaction that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and MBI both intend that the Act apply to the fullest extent possible to validate our ability to conduct business affecting interstate commerce with you by electronic means.\n\n#### 3.9. Termination of the E-SIGN Disclosure Provision\n\nMBI reserves the right, in its sole discretion, to discontinue the provision of electric Records and Communications, or to change the terms and condition under which we provide Records and Communications in electronic form. We will provide you with notice of any such termination or changes as required by law.\n\n#### 3.10. Consent to Receive Electronic Records\n\nYou hereby give your affirmative assent to receiving electronic Records and Communications as described in this E-Sign Agreement. You further agree your computer, mobile phone, tablet or other access device meets the system requirements specified above and that you are able to receive, retain and view electronic Records and Communications, and that you have an active and valid email address at which we may send you electronic Records and Communications.\n\n## **4. PRIVACY POLICY**\n\n#### 4.1. In General\n\nIn connection with providing the Services to Clients, you understand and agree that MBI may collect and use Client Data to (i) provide, operate and improve the Services; (ii) comply with any requirement of applicable Laws; (iii) respond or cooperate with requests from regulators or law enforcement about your Account; (iv) personalize the Services; and, (iv) engage in other legitimate business activities, such as sending marketing communications about products, services and offers of MBI and/or its affiliates.\n\n#### 4.2. Third Party Disclosures\n\n*Consumer Accounts*. Our privacy policy for consumers is described in MBI's Privacy Disclosure, which is available on MBI's htt We provide this Privacy Disclosure to consumers who open an Account with us for personal use. The Privacy Disclosure describes how we handle personal consumer financial information we collect in the course of our dealings with you and the circumstances under which we may disclose that information to affiliated companies. Except as noted in Section 4.1, MBI does not expect to share information collected from you during the application process with third parties, except as required to verify your identifying information or credit history. Please consult the Privacy Disclosure for more detail on the circumstances in which we may share information collected in the course of our dealings with you after opening an Account and becoming a Client.\n\n*Business Accounts*. We may share information about our experiences with you with affiliated companies and selected third parties. We may also share information that you have provided to us on applications or that we receive from outside sources among MBI Affiliates.\n\n#### 4.3*.* Anonymized Client Data\n\nMBI will own and have the right to use the Client Data of any Client for any purpose without its consent if such Client Data is (i) combined or aggregated with information relating to other Clients or information derived from other sources, or (ii) is anonymized in a way that reasonably prevents the identification or attribution of such Client Data to such Client.\n\n#### 4.4. Data Protection\n\nMBI shall take commercially reasonable precautions to protect the confidentiality of all Client Data, including by implementing and maintain a written information security program that provides appropriate security measures to safeguard Client Data that is received by MBI in connection with providing Services to Clients.\n\n#### **5. GENERAL TERMS**\n\n#### 5.1. Account Opening and Ownership\n\nWe will rely on information you give us in order to open an Account and determine its legal and beneficial ownership. You agree and acknowledge that we may rely on the information in our books and records to determine the owner(s) of your Account.\n\nIf the Account owner is a corporation, unincorporated association, limited liability company, limited liability partnership, fiduciary, partnership, sole proprietorship or other legal entity applying in any capacity other than an individual capacity, each person signing the signature card or completing other application requirements represents and agrees that they:\n\n- are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity;\n- have furnished all documents or other information necessary to demonstrate that authority; and\n- will furnish other documents and complete other requirements as we may request from time to time.\n\nWe may refuse to recognize any resolution affecting the Account that is not on any form with which we provide you or that appears to us to be incomplete or improperly executed.\n\n*Changes to Account Information*. When you ask us to make a change to this information or your Account, and we agree to the change, the change is not effective until we have had a reasonable time to act on the new information.\n\n#### 5.2. Reliance on Information\n\nWhen we process transfers to and from an Account, we may rely upon our records regarding the ownership of the Account and the terms of this Agreement at the time we process the transaction. We do not have to inquire about the source or ownership of any funds we receive or about the destination of any withdrawal from an Account. When we permit a withdrawal from an Account at the request of any signer, or the agent of any signer, in accordance with the terms of this Agreement, the withdrawal is a complete release and discharge of MBI from all claims regarding the withdrawal.\n\n#### 5.3. Management of Your Account\n\nYou agree that you are solely responsible for the security of your account password and login credentials. To the extent you share this information with an authorized agent(s), or if the integrity of your account password and login credentials is compromised due to actions outside the control of MBI, you specifically agree to assume the risk of any unauthorized acts by your authorized agent(s) or others, You specifically assume the risk of any loss, costs, or expenses caused or incurred thereby if you do not maintain adequate control of and properly manage your Account, including any failure to change or update passwords and login credentials on a reasonable and timely basis.\n\nWe may rely conclusively on the validity and binding effect of any item signed, drawn, endorsed, executed, delivered, presented, issued, or otherwise transferred by you or any authorized agent, and you are expressly estopped from denying the validity of any such item and binding effect and authorization of any such action. We shall be under no duty to investigate the authority for the execution and/or delivery of any item or document or the application of any proceeds thereof.\n\n#### 5.4. Assignment of Your Account.\n\nNo pledge, assignment, or other transfer of any Account by you, whether by purchase and assumption, assignment, sale, merger, acquisition, gift or otherwise, shall be binding on us unless acknowledged by us in writing. Unless we agree otherwise in writing, the Account will remain subject to our rights of set off even after we receive notice of the transfer.\n\nWe reserve the right not to acknowledge or accept any attempted transfer of an Account. We are not required to accept or recognize an attempted assignment of your Account or any interest in it, including a notice of security interest, or deposit account control agreement, except as required by law. If you have granted to us a security interest in your Account to secure debt you owe to us, we will be deemed to have control of your Account under the Uniform Commercial Code.\n\n## **6. CUSTODY ACCOUNT SERVICES**\n\n#### 6.1 Our Relationship with You\n\n*Appointment of Custodian*. Client hereby appoints MBI as custodian (the \"**Custodian**\") of all Fiat Currency and Digital Asset amounts Client transfers to the possession of Custodian for safekeeping in the Client's Custody Account, and MBI hereby agrees to serve as custodian of all assets held in the Client's Custody Account. In its capacity as Custodian, MBI shall hold, possess and administer the Client's Account in accordance with (i) the Client's instructions; and (ii) the instructions of Client's Authorized Persons; and, (iii) the terms of this Agreement. MBI shall identify on its books and records the Fiat Currencies and Digital Assets belonging to its Clients, whether held directly or indirectly through Subcustodians, which MBI may employ to hold Client assets in its sole discretion. Fiat Currency and Digital Asset amounts held at MBI through its Subcustodians may be subject to the terms and conditions of MBI's agreements with such Subcustodians. MBI may, at any time, cease utilizing any Subcustodian and/or may replace a Subcustodian with a different Subcustodian.\n\n*Standard of Care.* In performing its duties under this Agreement (other than its duties as a custodian), MBI shall exercise the degree of care of a reasonable person. In performing its duties as custodian, Custodian will exercise the degree of care that a reasonable person having responsibility for safekeeping such assets as it has been appointed to hold and possess would exercise under the circumstances.\n\n#### 6.2. Instructions Regarding Management of Custodial Funds\n\nIn furtherance of its responsibilities as Custodian, and subject to the limitations and qualifications of this Agreement, Client instructs Custodian to:\n\n- (i) Safekeep Fiat Currency and Digital Asset amounts transferred into the Custody Account (the \"**Custodial Funds**\")\n- (ii) Monitor and maintain the Custodial Funds;\n- (iii) Manage the Custodial Funds in accordance with Section 6.3 of this Agreement;\n- (iv) Keep timely and accurate records regarding the deposit, disbursement and investment of the Custodial Funds; and,\n- (v) Prepare such periodic statements regarding and access to information pertaining to the Custodial Funds in the frequency and manner contemplated in this Agreement.\n\n## 6.3. Management of Funds Held in Custody\n\nUnless otherwise required by applicable Laws, Fiat Currencies and Digital Assets transferred to the Custody Account shall be held (i) in a legally segregated, operationally commingled account (an \"**Omnibus Account**\") at one more commercial banks or other financial institutions selected by MBI, in its sole discretion, to act as a subcustodian (each a \"**Subcustodian**\"). Omnibus Accounts will be in the name of MBI acting as Custodian for the benefit of Clients. Fiat Currencies transferred to a Custody Account may be held in cash or invested in Cash Equivalents. MBI is capable of identifying on its books and records the cash and Cash Equivalents held for the benefit of Clients, whether held directly or indirectly through Subcustodians, in a manner consistent with 12 C.F.R. § 330.5(a)(2).\n\n*Management Fee.* Cash and Cash Equivalents held in Omnibus Accounts with our Subcustodians may (or may not) generate interest earnings in MBI's Subcustodial accounts. Except as otherwise provided in this Agreement, all interest earned on any Fiat Currencies held by Custodian on behalf of Client shall be payable to Custodian as consideration for the custody services provided to such Client.\n\n#### 6.4. Additional Custody Account Features\n\n| Initial Balance              | The minimum balance required to open an account is \\$500.00 USD, or its equivalent in other Fiat<br>Currencies or Digital Assets.                                                                             |\n|------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|\n| Interest Rate                | 0.00%                                                                                                                                                                                                         |\n| Annual<br>Percentage Yield   | 0.00%                                                                                                                                                                                                         |\n| Fees to MBI                  | MBI charges a management fee, as described in Section 6.3. Additional fees are detailed in MBI's<br>Schedule of Fees.                                                                                         |\n| Transaction<br>Limitations   | The transaction limitations for your Accounts are set forth in Section 6.2.                                                                                                                                   |\n| Additional Fee<br>Disclosure | As noted above, you are not responsible for paying any fees to MBI for opening and maintaining this<br>Account, although we may deduct certain interest earnings in consideration for our custodial services. |\n\n#### 6.5. Not FDIC Insured\n\nFiat Currencies placed with MBI are **NOT INSURED** by the Federal Deposit Insurance Corporation nor by any governmentsponsored or non-government sponsored insurance scheme or product in the United States or in Puerto Rico.\n\n#### **7. TRANSFER SERVICES**\n\nYou may direct certain transfers of funds to and from your Custody Account, as described in this Section 7, subject to the limitations in Section 7. From time to time, without prior notice, MBI may add or eliminate its transfer Services, or otherwise modify the terms or features of any of its Services.\n\nIn addition to its Custody Account services, MBI currently offers the following transfer Services:\n\na. Wire Transfer Services\n\nFor transfer transactions, your request will be completed only if you have sufficient funds in the account from which you wish to transfer funds and, in the case of like-titled accounts, the accounts are linked for transfer capabilities. Dollar limitations may be set according to the account type and/or the type of online transfer service you are utilizing to transfer funds. These limitations are set for security reasons and may not be disclosed for that reason. Transfers may be delayed based on the time of transaction and the type of transfer service you are utilizing to process the transfer. Certain types of transfers are subject to additional terms and conditions set forth below.\n\n#### 7.1. Funding Your Account\n\nYou can fund your Account with MBI by linking an External Account and initiating a transfer. MBI accepts Society for Worldwide Interbank Telecommunications Payments (\"**SWIFT Payments**\") and the Federal Reserve Wire Network (\"**Fedwire**\") transfers for Fiat Currencies. Transfers of Fiat Currencies will not be credited to a Custody Account until the transfer of such Fiat Currency to such Custody Account has been settled, as determined by MBI.\n\n## 7.2. Linking External Accounts; External Account Transfers\n\nA Client may connect or link an External Client Account to its Account for the purposes of making transfers to, and withdrawals from, such Custody Account; provided, however, that no External Client Account will be connected or linked to a Client's MBI Account unless MBI, in its sole discretion, approves the External Client Account for use in connection with transfers to and from the Custody Account. MBI may rescind its approval of any External Client Account at any time. With respect to each transfer to and from the Custody Account, Client must designate an approved External Client Account as the source of the transfer into the Custody Account or the destination for the transfer out of it.\n\nBy utilizing this transfer service, you authorize MBI to initiate ACH debits and credits on your behalf, for your convenience, in any amount you authorize. MBI may impose limits on the amounts for risk management purposes which restrict these amounts on a daily, weekly, monthly or other periodic basis. MBI may terminate this service at any time for any reason.\n\nTo revoke this authorization, delete the linked account from your MBI Account and notify us of the revocation in writing. You agree that the revocation of authorization is not effective until MBI has opportunity to receive and act on the notification. In all cases, we will consider the revocation of authorization effective upon our receipt and confirmation in writing to you of said instructions.\n\n#### Limitations on Transfers to External Accounts\n\n*Right to require advance notice of withdrawals*. For all amounts held in Custody Accounts, MBI reserves the right to require at least seven (7) days' prior written notice of your intent to make a withdrawal. Although we usually process withdrawals without prior notice on our Custody Accounts, doing so does not mean that we give up that right to require prior written notice of seven (7) days' or more.\n\n*Right to limit certain types of transfers.* MBI reserves the right to impose limits on the number of certain types of transfers you can make each month from your Custody Account. Although we typically do not limit the number of certain types of transfers you can make each month, we may decline to process more than six (6) electronic transfer requests from your Custody Account to an External Account in any one 30-day period. If you exceed the transfer limits on more than an occasional basis, we may close your Account, with or without prior notice to you.\n\n*Unfunded Transfers.* MBI does not offer or provide overdraft services and, therefore, cannot process unfunded transfers. All transfer requests to an External Account exceeding your current Available Balance will be declined without liability to MBI.\n\n*Limitation on Liability*. We may refuse to allow any transfers without creating liability to you if we have a concern that one or more transactions in your Account may have been unauthorized or fraudulent, if there is a dispute concerning the Account that makes us uncertain regarding the instructions that have been given, the account is garnished or attached, the Account has been pledged to MBI as collateral for a debt, the availability of the funds held at MBI cannot be verified, any required documentation has not been presented, or you have failed to repay an obligation to us on time.\n\n# **8. FUNDS AVAILABILITY**\n\nAlthough MBI does not offer transaction accounts, it is generally our policy to follow U.S. federal guidelines for funds availability where applicable to our Service. As described above, the only method of funds transfer accepted by MBI for its Custody Accounts at this time is wire transfer via SWIFT or Fedwire.\n\n#### 8.1. When Are Funds Available?\n\nFor determining the availability of your funds, every day is a \"**business day**,\" except Saturdays, Sundays, and federal holidays. If you make a deposit before 3:45 PM EST on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:45 PM EST or on a day we are not open, we will consider that the deposit was made on the next business day we are open.\n\n#### *Wire Transfers*\n\nFunds from the following transfers to established Custody Accounts are available on the first business day after the day of your transfer:\n\n• Wire Transfers\n\n## 8.2. Processing Transactions\n\nPosting transactions to your Account impacts your Account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Transfers into your Custody Accounts will credit your Account. Transfers out of your Custody Account will debit it. Your Account may also be debited for the payment of fees, including fees owed to MBI for its Services.\n\nIt is generally not the policy of MBI to process more than one transaction in your Account in a single day. To the extent MBI deviates from this policy, you agree that we may in our discretion determine our posting orders for the transactions, as well as the order in which we post debits and credits to your Account.\n\n# **9. INSUFFICIENT FUNDS AND OVERDRAFT PROTECTION**\n\nWe do not authorize overdrafts on your Account under any circumstances or extend credit on your behalf to cover them. All transfer requests must be fully funded by your Available Balance.\n\n# **10. FEES & SET-OFF**\n\nYour Account is subject to the fees described in this Agreement and detailed in the Schedule of Fees, which is available at htt The Schedule of Fees that applies to your Account is a binding part of this Agreement. By entering this Agreement and becoming a Client, you agree to pay any fees listed in MBI's Fee Schedule, as updated from time to time by MBI in its sole discretion and published to its website or communicated to you by Electronic Means. Client agrees to pay Account fees in a timely manner, and hereby authorizes and directs Custodian to direct a deduction from the Custodial Account in an amount equal to the value of the then-outstanding amount owed to MBI. If there are not enough funds in your account to cover the amounts you owe us, we may deduct up to the full remaining amount and close your Account, without being liable to you. If you or any of your Affiliates owe money to MBI, or to any Affiliate of MBI (including Affiliates that provide services to MBI), we reserve the right to deduct all amounts owed by you or your Affiliate from any Account you control with us. If you believe the amounts withheld from any of your Accounts are in error, you agree that your exclusive remedy is to seek arbitration of your dispute pursuant to the dispute resolution provisions contained in Section 11.8 of this Agreement.\n\n# **11. OTHER TERMS AND CONDITIONS**\n\n#### 11.1. Additional Definitions That Apply to This Section\n\n**\"Arbitration**\" has the meaning given to such term in Section 11.8.\n\n**\"Arbitrator**\" has the meaning given to such term in Section 11.8.\n\n**\"BSA/AML Requirements**\" has the meaning given to such term in Section 11.2.\n\n\"**Consequential Damages**\" means (i) consequential, incidental, punitive, exemplary damages, (ii) any loss of revenue and of loss of profit, including any loss arising from use of the Services, and (iii) any similar type of damages or losses.\n\n\"**Dispute**\" means any disagreement between the Parties regarding, related to, or arising from this Agreement (including any disagreement regarding (i) any act or omission by a Party, or (ii) the interpretation or enforceability of any provision of this Agreement.\n\n\"**FinCEN**\" means the Financial Crimes Enforcement Network.\n\n\"**Force Majeure Event**\" means any event, condition or circumstance beyond the reasonable control of MBI, including circumstances caused, directly or indirectly, by: acts of God; wars; hurricanes, earthquakes; fires; floods; any disruption or failure of any utility; civil disturbances; pandemics; any disruption or failure of any technology; any failure or disruption of any service or service provider; or any changes in applicable Laws.\n\n\"**Governmental Authority**\" means any federal, state, local or foreign governmental authority; a state, province, commonwealth, territory or district thereof; a county or parish; a city, town, township, village or other municipality; a district, ward or other subdivision of any of the foregoing; any executive, legislative or other governing body of any of the foregoing; any agency, authority, board, department, system, service, office, commission, committee, council or other administrative body of any of the foregoing; any court or other judicial body; and any officer, official or other representative of any of the foregoing.\n\n\"**Losses**\" means any and all damages, fines, fees, penalties, deficiencies, liabilities, claims, losses, damages demands, judgments, settlements, obligations, costs and expenses (whether actual, special, consequential, or punitive), including interest, court costs and fees, costs of attorneys, accountants and other experts, and other expenses of litigation or other proceedings or of any claim, default or assessment.\n\n\"**OCIF**\" means the Office of the Commissioner of Financial Institutions for Puerto Rico.\n\n\"**OFAC**\" means the Office of Foreign Assets Control of the United States Department of the Treasury.\n\n\"**MBI Intellectual Property**\" means all of the MBI Software Assets, MBI Proprietary Interests and MBI General Know-How.\n\n\"**MBI Proprietary Interests**\" means all patents, copyrights, trade secrets and trademarks, whether issued or pending, and other intellectual property rights of MBI.\n\n\"**MBI Software**\" means all software owned by or licensed to MBI.\n\n\"**MBI Software Assets**\" means (a) the MBI Software, (b) all documents used in the design, development, operation, maintenance or installation of the MBI Software, or principally describing any MBI Software or its use, and (c) all copies of MBI Software.\n\n#### 11.2. BSA/AML/OFAC Requirements\n\nMBI is subject to the U.S. Bank Secrecy Act, as amended by the USA Patriot Act of 2001, and its implementing regulations, as administered by FinCEN, as well as the anti-money laundering laws and regulations administered by OCIF (collectively, MBI's \"**BSA/AML Requirements**\"). In addition, MBI must comply with the regulations issued by OFAC (\"**OFAC Requirements**\"). In order to ensure that MBI provides safe and reputable Services in full compliance with its BSA/AML Requirements and OFAC Requirements, it is MBI's policy to monitor for suspicious transactions and comply with mandatory reporting of suspicious transactions to appropriate regulators in addition to collecting information at about its prospective clients during the application process.\n\nDuring the application process and at all times thereafter, Clients are required to provide MBI with all information that MBI determines, in its sole discretion, is necessary to meet its obligations under its BSA/AML Requirements and OFAC Requirements*.* MBI reserves the right to refuse opening an Account to, or to bar transactions from or to, or terminate any relationship with, any Client for any reason (or for no reason) at any time. MBI shall have the right to suspend Client's Account and the Services where it concludes that doing so is needed to comply with its responsibilities under the BSA/AML Requirements and OFAC Requirements. Client agrees to excuse MBI from performance of its obligations relating to Client or the Custody Account under the Client Agreement and this Agreement if MBI reasonably determines that performance might cause it to violate its obligations under the BSA/AML Requirements and OFAC Requirements.\n\nClient acknowledges that it may be required to forfeit any and all Client Assets in its Accounts to the appropriate authorities. As part of the BSA/AML Requirements and OFAC Requirements, MBI is required to obtain, verify, and record information that identifies each Client (and the related User(s)) who opens an Account. Each new Client (and related Authorized Persons) shall be required to provide their name, physical address, mailing address, date of birth, and other information to MBI. Furthermore, MBI may require each Client (and related Authorized Persons) to provide additional information to MBI or undergo a background check prior to being authorized to open a Client Account and access the Services or at any point thereafter in accordance with applicable Laws. MBI hereby expressly reserves the right to keep and share such information and documentation with its regulators and law enforcement, even when the Account relationship is terminated or the application to open an Account has not been completed.\n\n#### 11.3. Suspension of Services\n\nIn the event of any Force Majeure Event or any other event that would make providing any Service to Clients commercially unreasonable for MBI, MBI may, in its sole discretion and without any liability to any Client, with or without notice, suspend or limit any or all of the Services provided to Clients.\n\nIn the event that any Client breaches any terms of this Agreement, MBI may, in its sole discretion and without any liability to such Client, with or without notice, suspend or limit any or all of the Services provided to such Client.\n\n#### 11.4. Investigations, Governmental Authorities and Legal Proceedings\n\nMBI may initiate and carry out an investigation into any matter related to this Agreement or the use of any Service.\n\nMBI may disclose any information and documents received by MBI regarding any Client, its Custody Account and its use of Services to any Governmental Authority (i) to the extent required by applicable Laws, and (ii) in connection with any investigation, request, inquiry or proceedings by such Governmental Authority.\n\nMBI will strictly comply with any order or writ of attachment issued by any Governmental Authority (including the Treasury Department and the Internal Revenue Service). As a result, MBI could among other things be obligated to (i) freeze access to Client Assets, or (ii) deliver Client Assets to a Governmental Authority or other Person. Regardless of the terms of such attachment, garnishment, levy or other state or federal process, we have first claim to all funds in your Account. To the extent not prohibited by applicable Laws, MBI will provide a Client with prompt written notice of any order or writ of attachment or other legal process affecting any Client Assets of such Client.\n\nMBI will be under no obligation to contest, challenge, or question the terms of such order or writ, or to raise any defense that a Client may have against the Person seeking any order or writ against any Client Assets of such Client. We may take action to comply with such legal process as we determine to be appropriate in the circumstances without liability to you, even if the legal process purports to affect the interest of only one owner of a joint account and even if any funds we may be required to pay out leaves insufficient funds to pay a transaction you have authorized. If we incur any expenses, including without limitation, reasonable attorney fees, in connection with any such legal process, we may charge any expenses and fees to your Account or any other Account you may have with us without prior notice to you, or we may bill you directly for such expenses and fees. Any garnishment or other levy against your account is subject to our right of setoff and security interest. MBI will only be obligated to release affected Client Assets when it has been served with an order that such Client Assets may be released. Presentment to MBI of any other evidence will not be sufficient for MBI to release any affected Client Assets.\n\nIf any Client Assets of any Client become subject to any actual or potential legal proceeding, MBI may refuse to honor any instructions from such Client with respect to such Client Assets until such proceeding has been resolved. MBI will not be liable to Client for amounts paid pursuant to any order, attachment, or notice of levy in any circumstances.\n\n#### 11.5 Setoff and Security Interest Rights\n\nYou hereby grant to MBI as agent and representative of its Affiliates, a security interest in all of your Accounts and all of the Custodial Funds, investment property, financial assets, securities, instruments, general intangibles, or cash and other funds that may be deposited and held in such Accounts whether now existing or hereafter arising or deposited therein in the future together with all proceeds thereof as security for obligations now or in the future owing to MBI or its Affiliates by you or your Affiliates. These obligations include both secured and unsecured debts. We may take or set off funds in any or all of your Accounts with us for direct, indirect and acquired obligations that you or your Affiliates owe us or our Affiliates. These rights are in addition to other rights we have to take or charge funds in your Account for obligations you or your Affiliates owe us or our Affiliates. You and your Affiliates and MBI hereby agree that each item of property (whether investment property, financial asset, security, instrument, general intangible, Custodial Funds or cash) credited to an Account shall be treated as a \"financial asset\" within the meaning of Section 8-102(a)(9) of the Uniform Commercial Code as in effect in the State of New York from time to time (the \"UCC\"). MBI hereby represents and warrants and agrees that it is and will at all times be acting as a \"securities intermediary\" within the meaning of Section 8-102(a)(14) of the UCC and that each Account is a \"securities account\" within the meaning of Section 8-501 of the UCC As used herein, the terms \"Financial Asset,\" \"Investment Property,\" \"Proceeds,\" and \"Security Entitlement\" shall have the meanings set forth in Article 8 and 9 of the UCC. You for yourself and on behalf of your Affiliates agree that MBI as secured party for itself and its Affiliates may issue entitlement orders to MBI as securities intermediary with respect to an Account and the financial assets credited thereto and that MBI is authorized to act on such entitlement orders without your consent or the consent of your Affiliates upon the failure of you or your Affiliates to make timely payment of any obligations owed by you or your Affiliates to MBI or its Affiliates. MBI as agent and representative of it Affiliates and as secured party is entitled to exercise all remedies available under the UCC.\n\nIf the law restricts our ability to take or setoff funds in your Account or the Account of your Affiliates, or if some government payments are protected from attachment, levy or legal process, to the extent that you may do so by contract, you waive those conditions and limits and authorize us to apply funds in any or all of your Accounts with us or our Affiliates to obligations you or your Affiliates owe us or our Affiliates.\n\nExercising these rights may result in early withdrawal penalties or may cause us to dishonor items should our action result in non-sufficient funds in your Account.\n\nIn the case of a joint account, Business Account with joint owners/authorized users we may exercise these rights against the Account and all owners. These rights exist no matter who contributed funds to the joint account. Similarly, each joint owner agrees that we may use the money in their individual accounts to satisfy obligations in their joint accounts.\n\n#### 11.6. Limits on Liability\n\n(a) MBI DISCLAIMS ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING ANY SERVICE, OR TECHNOLOGY, OR THE RESULTS OBTAINED BY USE OF ANY SERVICE OR TECHNOLOGY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CLIENT EXPRESSLY ACKNOWLEDGES AND AGREES THAT (I) ALL OF THE SERVICES AND TECHNOLOGIES ARE PROVIDED ON AN \"AS IS\" BASIS AND (II) MBI DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS OR COMPLETENESS OF ANY RESULTS OBTAINED BY OR THROUGH THE USE OF ANY SERVICE OR TECHNOLOGY.\n\n(b) MBI DOES NOT MAKE ANY REPRESENTATION OR WARRANTY (A) THAT THE AVAILABILITY OR USE OF ANY SERVICE OR TECHNOLOGY WILL BE UNINTERRUPTED, ERROR FREE OR SECURE; (B) REGARDING ANY TECHNOLOGY OR SERVICE PROVIDED BY ANY THIRD PARTY, INCLUDING SJMX; OR (C) REGARDING THE QUALITY, ACCURACY OR COMPLETENESS OF ANY DATA OR TECHNOLOGY.\n\n(c) INFORMATION STORED OR TRANSFERRED BY CLIENT IN CONNECTION WITH USE OF ANY SERVICE MAY BECOME IRRETRIEVABLY LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES, INCLUDING VIRUSES OR OTHER DESTRUCTIVE CODE, SOFTWARE FAILURES, PROTOCOL CHANGES BY THIRD PARTY PROVIDERS, INTERNET OUTAGES, A FORCE MAJEURE EVENT OR OTHER DISASTERS, SCHEDULED OR UNSCHEDULED MAINTENANCE, OR OTHER CAUSES, EITHER WITHIN OR OUTSIDE OF MBI'S CONTROL. CLIENT IS SOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF ANY INFORMATION CLIENT STORES OR TRANSFERS THROUGH THE SERVICE.\n\n(d) Under no circumstances shall MBI be liable for any Consequential Damages incurred or suffered by Client in connection with, or arising from, this Agreement or any use of the Services.\n\n(e) MBI shall have no liability for any Losses arising from (i) any Force Majeure Event, (ii) any error or failure related to, or arising from, any technology, (iii) any service provided by any Third Party, or (iv) any action or omission by any Third Party. With respect to any Losses incurred by a Client as a result of the acts or the failure to act by any Third Party, MBI shall take such action as it deems appropriate after consulting with Client to recover such Losses from such Third Party; provided, however, that (x) MBI shall not be obligated to incur any costs to recover such Losses unless Client has agreed to reimburse MBI for such costs on terms acceptable to MBI, and (y) MBI's sole responsibility and liability to Client shall be limited to amounts received from such Third Party for Client (excluding costs and expenses incurred by MBI).\n\n(f) MBI shall have no liability for any act or omission other than liabilities arising from its fraud, gross negligence or willful misconduct.\n\n(g) No Person (other than the Parties) shall have any liability or obligation under this Agreement, and neither Party shall allege or assert any claim regarding this Agreement or the Services against any Person (other than the other Party).\n\n(h). Notwithstanding anything to the contrary in this Agreement, MBI's liability to Client for any and all claims made by Client against MBI regarding this Agreement, the Terms of Service and use of the Services shall be limited to the total amount of Fees (exclusive of interest generated or earned from Cash and Cash Equivalents held in Omnibus Accounts with our Subcustodians in MBI's Subcustodial accounts) paid by Client to MBI during the six (6) months preceding the first date on which any claim is asserted against the other party. These limitations apply to all causes of action in the aggregate, including, but not by way of limitation, breach of contract, breach of warranty, negligence, strict liability and other torts. You and your Affiliates waive, to the fullest extent of the law, all speculative, consequential and punitive damages whether incurred directly or indirectly.\n\n#### 11.7 Client Responsibilities, Representations and Warranties\n\n(a) Client will comply in all material respects with (i) the terms of this Agreement, (ii) the instructions given by MBI to Client regarding its Account and the Services, and (iii) the Laws applicable to Client regarding its Account and its use of Services.\n\n(b) Client shall promptly provide MBI with such information and documents as may be requested by MBI regarding Client and its use of the Services to the extent deemed necessary or appropriate by MBI to determine whether or not Client is in compliance with this Agreement and all Laws applicable to Client regarding its Account and its use of Services, all of which shall be provided in such manner or format as may be reasonably requested by MBI.\n\n(c) Client shall promptly provide MBI with written notice of any breach of this Agreement by Client or any event, circumstance or development that could reasonably be expected to result in any breach of this Agreement.\n\n(e) Client will not use, or permit the use of, any of the Services in any manner that would (i) violate any applicable Laws, (ii) breach any contract, intellectual property right or other Third Party right to which it is a party or subject, (iii) adversely affect or interfere with the ability of MBI to provide any Service to any of its clients, (iv) create Accounts or access data (including Client or other client information) through unauthorized means, or (v) breach any of the terms of this Agreement.\n\n(f) Client represents and warrants that: (i) it has full power and authority to execute, deliver, and perform this Agreement, (ii) if an entity, Client is duly organized and validly existing under the laws of the jurisdiction of its organization, (iii) Client has obtained all consents, authorizations, and approvals, and has made all filings and registrations and given all notices that it is required to obtain, make, or give in order to execute, deliver, and perform this Agreement, and (iv) the execution, delivery, and performance of this Agreement by Client does not breach any contract to which Client is a party nor violate any applicable Laws.\n\n#### 11.8. Choice of Law and Dispute Resolution\n\n(a) This Agreement and the Terms of Service shall be governed by, and construed in accordance with, the Laws of the State of New York, without regard to any conflict of law provisions. This Agreement shall be deemed to have been executed in San Juan, Puerto Rico.\n\n(b) (i) Any Dispute among the Parties shall be determined by arbitration in San Juan, Puerto Rico (an \"**Arbitration**\"), which shall be administered by JAMS (or any like successor organization thereto) pursuant to its Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those Rules or pursuant to JAMS' Streamlined Arbitration Rules and Procedures. The language used in any Arbitration shall be English.\n\n(c) An Arbitration shall be presided over by one arbitrator (the \"**Arbitrator**\") who shall be mutually agreed to by the Parties. If the Parties are unable to agree upon an Arbitrator within thirty (30) days of the commencement of the Arbitration, then the Arbitrator shall be determined in accordance with the applicable rules and procedures of JAMS.\n\n(d). The Arbitrator shall apply the Federal laws of the United States of America and the State laws of New York. Judgment on the award may be entered in any court having jurisdiction.\n\n(e). This Section 11.8 shall not preclude the Parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The Parties further understand and agree that the decision of the Arbitrator shall be final and binding to the fullest extent permitted by law and enforceable by any court having jurisdiction thereof.\n\n(f). The Parties shall maintain the confidential nature of any Arbitration proceeding and the award, if any, including the privacy of the hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.\n\n(g) The prevailing party in any Dispute shall be entitled to be reimbursed for all reasonably costs incurred by such party in such Dispute by the non-prevailing party.\n\n#### **THE REMEDIES AVAILABLE TO THE PARTIES PURSUANT TO SECTIONS 11.5 & 11.7 SHALL BE THE SOLE AND EXCLUSIVE REMEDIES AVAILABLE TO THE PARTIES WITH RESPECT TO ANY DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT.**\n\n#### 11.9. Unreturned or Abandoned Property\n\nIf for any reason MBI is unable to return any Client Assets to a Client's designated External Client Account, then MBI will report and remit such Client Assets in accordance with applicable unclaimed property laws, including the laws of Puerto Rico, if applicable.\n\n#### 11.10. Taxes\n\nEach Client is solely responsible for determining what, if any, taxes apply to transactions processed by such Client through the Services, and it is each Client's responsibility to report and remit the correct tax to the appropriate tax authority. MBI will not be responsible for determining whether taxes apply to any Client's transactions or for collecting, reporting, withholding or remitting any taxes arising from any transactions.\n\nAny failure by Client to satisfy its tax obligations that result in Losses to MBI, including legal expense relating to potential subpoenas by taxing authorities, shall be promptly reimbursed by Client upon request by MBI.\n\n#### 11.11. Miscellaneous\n\n(a) *Entire Agreement*. This Agreement and the Terms of Service (i) contains the entire agreement among the Parties with respect to the subject matter hereof, and (ii) supersedes all prior agreements and arrangements (oral and written) among the Parties with respect to the subject matter hereof.\n\n(b) *Amendment*. This Agreement may only be amended, modified, or supplemented pursuant to an agreement in writing that has been executed and delivered by both Parties. MBI may amend, supplement or modify the Terms of Service at any time without any consent upon giving Client written notice of such amendment, supplement or modification.\n\n(c) *Waiver*. No Party shall be deemed to have waived any of its rights under this Agreement unless such waiver is pursuant to an agreement that has been executed and delivered by such Party, and such waiver shall be limited to the terms of such agreement. No waiver of any provision of this Agreement by any Party shall be deemed a waiver of (i) such provision in the future, or (ii) any other matter by such Party.\n\n(d) *Severability*. The invalidity and unenforceability of any provision of this Agreement in any jurisdiction shall not affect the interpretation of (i) the other provisions of this Agreement in such jurisdiction, and this Agreement shall be construed in all respects as if such invalid or unenforceable provision were omitted, and (ii) this Agreement in any other jurisdiction. Notwithstanding the foregoing, if any provision of this Agreement is determined to be unenforceable, this Agreement shall be interpreted in a manner consistent with such provision to the fullest extent permitted by applicable Laws.\n\n(e) *Assignment*. Client may not assign or transfer any of its rights or obligations under this Agreement without prior written consent from MBI, including by operation of law or in connection with any change of control. MBI may assign or transfer any or all of its rights under this Agreement, in whole or in part, upon providing Client prior written notice.\n\n(f) *Intellectual Property*. MBI or its third-party licensors are and shall be the owners of the MBI Intellectual Property and Clients shall not have any ownership rights, express or implied, in the MBI Intellectual Property.\n\n(g) *Interpretation*. Except as otherwise provided in this Agreement or the Terms of Service, this Agreement will be subject to the following clauses of interpretation: (i) the gender (or lack of gender) of all words used includes the masculine, feminine, and neuter; (ii) the meanings of all words used shall be applicable equally to the singular or plural, as applicable; (iii) the words \"include\" and \"including\" shall be without limitation; (iv) the words \"based on\" shall mean based on, related to, or derived from, (v) references to Sections, Annexes and Schedules refer to the Sections, Annexes and Schedules of this Agreement or the Term of Service, as applicable; (vi) references to laws refer to such laws as they may be amended from time to time, and references to particular provisions of a laws include any corresponding provisions of any succeeding laws; (vii) references to any agreement refers to such agreement as it may be amended, modified, supplemented, or replaced (including by any consent or waiver) from time to time, (viii) all headings and captions contained in this Agreement are inserted for convenience of reference only and shall not be deemed to interpret or modify the provisions of this Agreement; (ix) references to money refer to legal currency of the United States of America unless otherwise stated; and, (x) any acts or omissions of MBI pursuant to, or in connection with, this Agreement or the Terms of Service, shall be in the sole and absolute discretion of MBI.\n\n(h) *Counterparts*. This Agreement may be executed in counterparts (including by electronic signature), each of which shall constitute an original and all of which, when taken together, shall constitute one agreement.\n\n[\\*\\*\\*\\*\\*\\*\\*\\*]","body_zh":"Mercantile Bank International Corp.（万通国际银行公司）\n在线托管与银行服务协议\n\n凡在 Mercantile Bank International Corp.（“MBI”）开立账户的所有客户，均应受本《在线托管与银行服务协议》的约束并遵守本协议。\n\n本《在线托管与银行服务协议》由 MBI 随时予以修改。修订后的条款在 MBI 网站上以电子形式公布或由客户通过电子邮件收到时，立即生效。\n\n版本 2022-09 最近修订：2020-06\n目录\n\n- 1. 定义\n- 2. 在线银行服务概述\n\t- 2.1. 账户申请与批准\n\t- 2.2. 您在开户时向我们提供的信息\n\t- 2.3. 账户信息\n\t- 2.4. 非 FDIC 保险承保\n\t- 2.5. 本协议的变更\n\t- 2.6. 账户关闭\n3. 《电子签名披露与同意书》（E-SIGN DISCLOSURE AND CONSENT）\n\n- 3.1. 引言\n- 3.2. 适用于本节的附加定义\n- 3.3. 记录与通讯可以电子形式提供\n- 3.4. 索取纸质副本\n- 3.5. 系统要求\n- 3.6. 撤回您的同意\n- 3.7. 更新您的信息\n- 3.8 联邦法律\n- 3.9. 电子签名披露条款的终止\n- 3.10. 同意接收电子记录\n4. 隐私政策\n\n- 4.1. 通则\n- 4.2. 第三方披露\n- 4.3. 匿名化客户数据\n- 4.4. 数据保护\n5. 一般条款\n\n- 5.1. 账户开立与所有权\n- 5.2. 对信息的信赖\n- 5.3. 您的账户管理\n- 5.4. 您的账户转让\n6. 托管账户服务\n\n- 6.1. 我们与您的关系\n- 6.2. 关于托管资金管理的指示\n- 6.3. 托管资金的管理\n- 6.4. 附加托管账户功能\n- 6.5. 非 FDIC 保险承保\n\n6.6. 取款限制\n7. 转账服务\n\n- 7.1. 向您的账户注入资金\n- 7.2. 关联外部账户；外部账户转账\n8. 资金可用性\n8.1. 资金何时可用？\n\n8.2. 处理交易\n9. 资金不足与透支保护\n10. 费用与抵销\n11. 其他条款与条件\n\n- 11.1. 适用于本节的附加定义\n- 11.2 遵守《银行保密法》（BANK SECRECY ACT）\n- 11.3. 暂停服务\n- 11.4 调查、政府机构与法律程序\n- 11.5 抵销与担保权益\n- 11.6. 责任限制\n- 11.7. 客户责任、陈述与保证\n- 11.8. 法律适用与争议解决\n- 11.9. 未退还或无人认领的财产\n- 11.10. 税费\n- 11.11. 其他杂项\n费用表\n1. 定义\n\n下列术语和定义适用于本《在线托管与银行服务协议》。下文中使用但未予定义的术语，应具有《统一商法典》（Uniform Commercial Code）所赋予的含义。凡提及《统一商法典》，均指 New York（纽约州）的《统一商法典》。\n\n“ACH”是指自动清算所（Automated Clearing House）电子资金转账网络。\n\n“关联方”就任何指定主体而言，指控制该指定主体、受该指定主体控制或与该指定主体受共同控制的任何其他主体。本协议所使用的“控制”一词，就任何主体而言，指直接或间接指导或促成指导该主体的管理及政策的权力，无论是通过行使表决权的能力、通过合同还是其他方式。\n\n“协议”是指本《在线托管与银行服务协议》，包括其不时作出的修订、修改和补充。\n\n“授权人员”是指由 MBI 的客户根据本协议以书面形式授权的、代表该客户作为代理人与 MBI 进行交涉的任何主体。\n\n“可用账户余额”是指根据本协议所述限制，在您的账户中可转至外部账户的资金余额。可用账户余额可能多于或少于您的入账余额。关于我们如何计算可用账户余额的更多信息，请查阅本协议第 8 节。\n\n“工作日”是指美国金融机构对外营业的任何一天，另有说明的除外。\n\n“现金等价物”是指：(a) 由美国或其任何机构或职能部门发行的，或由其直接、无条件且全额保证或承保的证券（前提是有美国的完全信用作为支持），且自取得之日起到期日不超过一年；(b) 任何商业银行的定期存款和存单，该商业银行根据美国、美国任何州或省或 District of Columbia（哥伦比亚特区）的法律设立，资本和盈余合计超过 $500,000,000，或者该商业银行是符合上述条件的银行控股公司的主要银行子公司，且获得至少一家全国认可的统计评级机构给出的“A”（或其他类似等效评级）或更高评级，自取得之日起到期日不超过一年；(c) 期限不超过 30 天的、针对上述 (a) 款所述类型的基础证券的附买回协议，且系与符合上述 (b) 款所列资格的任何银行签订，该附买回协议由对基础证券享有的有效且已完善的担保权益作为担保；(d) 由在美国注册成立的任何主体发行的商业票据，获得 Standard & Poor's Rating Service（标准普尔评级服务公司）至少 A-1 或其等效评级，或获得 Moody's Investors Service Inc.（穆迪投资者服务公司）至少 P-1 或其等效评级，且在每种情况下自取得之日起到期日均不超过一年；以及 (e) 对货币市场基金的投资，该基金的绝大部分资产由上述 (a) 至 (d) 款所述类型的证券构成。\n\n“客户”是指在任何时候于 MBI 的账簿和记录中登记为有效托管账户所有人的主体。\n\n“客户数据”就任何客户而言，是指：(i) 来自该客户或关于该客户的数据，以及 (ii) 关于该客户使用服务的数据。\n\n“托管人”是指根据本协议担任客户所指定的托管人身份的 MBI。\n\n“托管账户”或“账户”是指托管人在其账簿和记录中维护的记录，记录客户根据本协议的条款和条件置于托管人托管和占有之下、并受客户及/或其授权人员指示支配的法定货币和数字资产。\n\n“托管账户对账单”就任何客户而言，是指该客户托管账户的对账单。\n\n“托管资金”具有第 6.2 节中赋予该词的含义。\n\n“数字资产”是指经 MBI 批准可存入托管账户，并在 MBI 网站上指明或根据本协议另行通知客户为“已批准”的任何虚拟货币、代币或其他数字资产。\n\n“境内主体”具有第 2.1 节中赋予该词的含义。\n\n“《电子签名披露与同意协议》”具有第 3 节中赋予该词的含义。\n\n“外部客户账户”就任何客户而言，是指该客户在第三方处开立的、经 MBI 批准作为法定货币或数字资产转账来源或目的地的任何账户。\n\n“Fedwire”具有第 7.1 节中赋予该词的含义。\n\n“法定货币”是指美元以及经 MBI 批准可存入托管账户并在 MBI 网站上指明或另行通知客户的任何其他由政府支持的法定货币。\n\n“MBI”是指 Mercantile Bank International Corp.（一家 Puerto Rico（波多黎各）公司）及其继承人和受让人。\n\n“综合账户”具有第 6.3 节中赋予该词的含义。\n\n“法律”是指任何适用的宪法条款、成文法、法令、法典（包括本法典）、法律、法规、规章、条例、命令、法令、裁定、公告、决议、判决、决定、声明、令状、禁令、仲裁裁决，或任何政府机构的解释性或建议性意见或函件。\n\n“《爱国者法案》”具有第 11.2 节中赋予该词的含义。\n\n“主体”是指任何个人、公司、法人（包括非营利法人）、独资企业、普通合伙或有限合伙、有限责任公司、合资企业、辛迪加、遗产、信托、协会、组织、政府机构或其他实体。\n\n“入账余额”是指仅基于已作为贷记或借记入账的款项计算出的账户内资金余额。与可用余额不同，入账余额不反映对账户实施的任何冻结。入账余额可能多于或少于您的可用余额金额。\n\n“服务”具有第 2 节中赋予该词的含义。\n\n“SWIFT 付款”具有第 8.1 节中赋予该词的含义。\n\n“次托管人”具有第 6.2 节中赋予该词的含义。\n\n词语“我们”和“我们的”是指 Mercantile Bank International Corp.、其关联方、继承人和受让人。\n\n词语“您”和“您的”是指每位申请人、账户所有人和任何其他有权访问账户的人。如果有多于一位所有人，则这些词语分别指每位账户所有人，并共同指所有账户所有人。\n2. 在线托管与银行服务概述\n\n感谢您选择与 MBI 合作以满足您的在线托管、信托和银行需求。MBI 是一家国际金融实体（International Financial Entity），总部位于 America（美利坚合众国）领地 Puerto Rico（波多黎各）的 San Juan（圣胡安），并受 Office of the Commissioner of Financial Institutions of Puerto Rico（波多黎各金融机构专员办公室）监管。MBI 目前不是 FDIC（联邦存款保险公司）的成员，存放在 MBI 的款项不符合享受美国联邦存款保险的资格\n\n您与 MBI 之间的本协议适用于您使用本文所述的 MBI 在线托管和银行服务。通过在我们这里开立或维护账户，您即接受并同意受本协议条款和条件以及本文所述服务条款的约束。本协议中使用的“服务”一词是指 MBI 根据本协议提供的任何服务，包括但不限于托管账户和转账服务，或 MBI 通过其网站或其他途径向您提供的任何其他金融产品或服务。\n\n本协议包括适用于 MBI 可能同意向您提供的服务的以下披露事项，包括：(1) 账户功能与费用；(2) 隐私政策；(3) 电子签名同意书；(4) 电子资金转账服务；(5) 资金可用性及交易入账政策；以及 (6) 关于您账户的附加披露事项。本协议各处提及的费用可在 www.mercantile-bank.com 上查阅。\n\nMBI 经自行裁量，可不时选择与第三方金融机构或其他服务提供商合作。您确认并同意，如果我们结合第三方服务提供商提供的服务来提供 MBI 的服务，则附加条款可能适用于您对该等服务的使用。您确认并同意，如果您选择结合您与我们合作的第三方之间的独立关系来访问 MBI 的服务，则附加条款将适用于您对 MBI 服务的使用。\n\nMBI可自行决定向您提供本协议及任何相关协议的外语译本，以帮助您更好地理解我们提供服务所依据的重要条款和条件以及您在本协议项下的义务。MBI提供的外语译本仅为您方便之用。若本英文版协议与任何外语译本（无论是由MBI向您提供还是通过其他方式获得）之间存在任何不一致，均以本英文版协议为准。\n\n2.1 账户申请与批准\n\n为在MBI开立账户，符合资格的人士须：(i) 填写申请表并提供MBI可依其自由裁量权要求的相关信息，以遵守适用的BSA/AML Requirements（《银行保密法》/反洗钱要求，定义见下文第11.2节）；且 (ii) 若该账户申请获得MBI批准，则须按照MBI可接受的条款与MBI订立一份或多份协议，包括本协议。MBI可因任何理由拒绝任何申请，且MBI可因任何理由拒绝与任何人士订立协议。\n\n符合Puerto Rico（波多黎各）《International Financial Center Regulatory Act（国际金融中心监管法）》第2(j)条规定的「domestic person（境内人士）」定义的人士，在法律上不得成为MBI的客户。「Domestic Person（境内人士）」系指身为波多黎各居民的任何自然人，或根据波多黎各法律成立或设立的人士，或主要营业地位于波多黎各的人士，或根据《Puerto Rico Internal Revenue Code（波多黎各国内税收法典）》之规定设有分支机构且被视为在波多黎各开展业务的外国公司，以及波多黎各政府及其下属机构、机构组织、政治分区与公共公司或波多黎各政府的其他实体。\n\n2.2. 您在开户时向我们提供的信息\n\n《USA PATRIOT Act（美国爱国者法案）》声明。为协助政府打击资助恐怖主义及洗钱活动，包括《美国爱国者法案》在内的美利坚合众国联邦法律要求所有金融机构获取、核实并记录开立金融机构账户的每位个人或企业的身份信息。这对您意味着：当您使用我们的服务时，我们将询问您的姓名、地址、出生日期及其他有助于我们识别您身份的信息。对于所有申请人，我们将要求查看带有您照片的身份证件，并且我们还可能要求查看其他身份证明文件，例如社会保障卡（如适用）、护照、驾驶执照或其他政府签发的身份证件。来自非美国管辖区的客户，MBI可自行决定要求其提供不同或额外的身份证明信息。\n\n企业账户。当您作为企业申请账户时，我们将询问您的企业名称、地址、Tax Identification Number（纳税人识别号，简称 TIN）以及有关企业实益拥有人的信息。我们还将索取开立账户的自然人以及该法律实体的实益拥有人和/或高级管理人员的姓名、地址、出生日期和社会保障号码或类似文件，以使我们能够全权酌情确定其身份。我们可能会通过第三方服务或其他途径对您提供给我们的信息进行核实，以确保我们对您和您企业的身份形成合理信赖。如果我们无法令人满意地核实您或企业的身份，我们可能会拒绝您的申请，或者如果账户此前已开立，我们可能会关闭该账户。\n\n对您信息的核实。您理解并同意，我们可能会将您提交的与您账户相关的任何信息与我们的关联方、子公司或其他第三方共享，用于核实您的身份、核实您申请中的其他信息或用于日常账户监控。您理解并同意，我们还可能就您的申请或您请求获得的任何其他服务获取信用报告。共享这些信息是评估您的申请并在遵守MBI的《银行保密法》/反洗钱要求的前提下提供交易相关服务所必需的。\n\n虚假信息。您理解并知悉，在开户时提交虚假信息，或未能就重大变更及时向我们更新，可能会由于其《银行保密法》/反洗钱要求而使MBI承担法律责任，以及承担其他潜在的法律和监管责任。您进一步理解，您在开户时或成为客户后的任何时间故意或过失提交虚假信息，均可能以任何形式导致MBI产生费用，包括但不限于MBI就主管机关提起的法律或监管诉讼进行抗辩的费用，或民事和/或刑事罚款。在法律允许的最大范围内，对于因您在开户时或成为MBI客户后的任何时间故意或过失提交信息而直接导致MBI实际发生的此类费用，您同意予以全额赔偿。对于我们合理认为因与您在我们此处控制的任何账户相关的政府调查而可能产生的法律与合规费用，我们也可能会提前向您收费。提前收取的法律和合规费用不得超过我们在收到法律或监管诉讼通知时您账户价值的50%。MBI应按月向您提供其实际发生费用的账单明细汇总。如果您认为向您账户收取的金额有误，您同意您唯一的救济途径是根据本协议第11.8节所载的争议解决条款申请仲裁解决争议。\n\n2.3. 账户信息\n\n一般规定。MBI应通过MBI网站向客户提供有关客户账户的信息，包括当前余额和近期交易摘要。\n\n账户对账单。MBI应仅通过Electronic Means（电子方式，定义见第3节）按月向客户提供或出具概述其账户余额和交易活动的对账单。客户账户的对账单应反映该账户在上一日历月期间的所有活动，包括已入账和待处理的转账。客户有责任及时审查每份账户对账单，并将任何潜在的错误或不符之处通知MBI。对于您未在账户对账单出具之日起三十（30）天内通知我们的错误，MBI概不承担责任。\n\n2.4. 不受FDIC保险保障。\n\n您在MBI开立的托管账户不受U.S. Federal Deposit Insurance Corporation（美国联邦存款保险公司）保险保障，亦不受美利坚合众国、波多黎各或任何其他管辖区内的任何政府赞助或非政府赞助的保险计划或产品的保障。\n\n2.5. 本协议的变更\n\n我们可随时变更本协议。我们可能会增加新条款、删除或修改现有条款，或者增加新类型的账户和服务，并终止现有类型的账户或服务。我们可能会将现有账户和服务转换为新的账户和服务。如果本协议发生对您不利的变更，我们将以书面形式或法律允许的任何方式向您发出合理通知。但是，除非法律另有规定，否则我们可以在不事先通知的情况下做出变更。对于出于安全原因做出的变更，或者我们认为对您有利或无不利影响的变更，我们可以通知您，但并非必须通知。\n\n当我们变更本协议时，届时生效的本协议版本将取代所有先前版本并对您的账户具有约束力。如果您继续使用您的账户或保持账户开立状态，则视为您接受并同意该变更并受其约束。如果您不同意某项变更，您可以按照下文第2.6节的规定关闭您的账户。\n\n2.6. 账户关闭\n\n您或我们均可随时关闭您的账户，无需事先通知。在您的账户关闭时存放在MBI的任何款项将在遵守本协议所列条款、条件、限制和费用的前提下退还给您。\n\n在适用法律及适用于您账户的其他管辖文件允许的范围内，MBI可自行决定且无需向您发出通知，拒绝、延迟、取消和/或撤销您的订单、交易或指示，和/或对您的任何账户施加支取及其他限制。MBI可自行决定关闭您的账户或将您的账户转换为其他账户类型。因任何原因由MBI发起的账户关闭，MBI无需事先发出任何通知。\n\n如果某一账户被关闭后我们将其重新激活开立，该账户须遵守我们对该类型账户的标准条款和费用标准。在账户关闭前适用的任何豁免在账户重新激活开立时均不再适用。\n\n如果您的账户余额降至零，或者您申请了账户但从未存入资金，我们可以在不另行通知的情况下保持账户开立或关闭该账户。如果在连续三个月内您的账户没有任何活动，MBI还可按照MBI费用表中规定的金额向您收取休眠账户管理费。\n\n3. 电子签名披露与同意\n\n3.1 简介\n\n本E-SIGN Disclosure and Consent Agreement（《电子签名披露与同意协议》，简称「E-Sign Agreement（电子签名协议）」）允许我们向您提供与在MBI开户相关的重要文件和通知的电子版本，以及法律可能要求我们以书面形式向您提供的所有其他信息。您必须同意本电子签名协议才能在MBI开立账户并使用其服务。\n\n3.2 适用于本节的其他定义\n\n「Electronic Means（电子方式）」系指客户可合理访问的电子通信形式，包括但不限于通过以下方式传输的记录和通信：(i) 通过电子邮件，(ii) 通过在MBI向您发送的电子邮件中指定的网站上发布，或 (iii) 在法律允许的范围内，通过访问通常为此目的预先指定的网站。\n\n「Records and Communications（记录和通信）」包括但不限于所有法律和监管披露、与在MBI开立账户或变更管辖您使用其服务的条款相关的通知或披露、关于我们政策的所有通知，以及法律或法规可能要求我们以书面形式向您提供的任何其他信息。\n\n3.3. 记录和通信可以电子形式提供\n\n您同意我们可以通过电子方式向您提供记录和通信。您的同意并不意味着我们必须以电子方式提供记录和通信，而是意味着我们可全权酌情决定以电子方式交付部分或全部此类文件。\n\n3.4. 索取纸质副本\n\n您同意以电子方式接收记录和通信，即意味着对于以电子方式传输的任何记录和通信，我们不会向您寄送纸质副本，除非您提出要求或我们另行认为适宜这样做。如需索取通过邮寄方式向您发送的任何特定电子记录和通信的纸质副本，请通过 bankops@mercantile-bank.com 与我们联系。请在电子邮件中注明您索取的是以电子方式传输的记录和通信的纸质副本，并说明您所索取的特定记录和通信的标题和日期。我们可能会就向您邮寄记录和通信的纸质副本收取费用。\n\n3.5. 系统要求\n\n为了访问、查看和保存电子记录和通信，您的访问设备必须满足以下最低硬件和软件要求：\n\n- i. 我们支持的网络浏览器，包括 Internet Explorer 10.x 或更高版本、Safari 3.2.x 或更高版本、Firefox 32.x 或更高版本以及 Chrome 38.x 或更高版本、Mac OSX Safari 5 及更高版本、iOS 版 Safari 6 及更高版本、iOS 版 Chrome 以及 Android 版 Chrome；\n- ii. 用于留存记录与通讯的本地电子存储容量，或用于打印它们的打印机；\n- iii. 有效的电子邮件账户以及用于访问该电子邮件账户的软件；\n- iv. 适合连接互联网且由 MBI 支持的最新设备（例如计算机、平板电脑、移动电话等）；\n- v. 能够通过文本格式的电子邮件或使用支持的浏览器访问我们网站，以电子形式接收、访问和显示我们发出的记录与通讯的操作系统；\n- vi. 如果您希望打印以电子形式发送给您的记录与通讯的纸质副本，则需要一台可与您的设备相连的打印机。\n\n在满足最低系统要求的任何访问设备上以电子形式查看此信息，即表明您已合理证明了您使用电子方式访问记录与通讯的能力。\n\n如果您在访问设备上通过电子方式访问或查看文件遇到困难，请通过 bankops@mercantile-bank.com 与我们联系。\n\n3.6 撤回您的同意\n\n您可随时撤回您通过电子方式接收记录与通讯的同意。如需在完成申请前撤回您的同意，只需在确认接受本协议前退出本会话即可。如需在提交申请或开立账户后撤回您的同意，请通过 onboarding@mercantile-bank.com 与我们联系。请注意，撤回您通过电子方式接收记录与通讯的同意将导致您访问 MBI 服务的权限被撤销，并导致我们与您的业务关系终止。该等终止仅在处理您的撤回请求的合理期限过后方始生效。\n\n3.7. 更新您的信息\n\n务必向我们提供与本《电子签名协议》（E-Sign Agreement）相关的真实、准确和完整的电子邮件地址、联系方式及其他信息，以便我们能够就您的账户向您发送记录与通讯。您同意维持一个有效的电子邮件地址，并及时通知我们有关您电子邮件地址、联系方式或其他信息的任何变更。您可以通过我们的网站更新您的电子邮件地址、联系方式及其他信息。\n\n3.8. 联邦法律\n\n您承认并同意，向您提供本《电子签名协议》与一项受联邦《全球与全国商务电子签名法》（Electronic Signatures in Global and National Commerce Act）管辖的交易相关，且您与 MBI 双方均意图使该法在最大可能范围内适用，以确立我们通过电子方式与您开展影响州际商业之业务的能力的有效性。\n\n3.9. 电子签名披露条款的终止\n\nMBI 保留自行决定停止提供电子记录与通讯，或更改我们以电子形式提供记录与通讯之条款和条件的权利。我们将按法律要求向您提供任何该等终止或变更的通知。\n\n3.10. 同意接收电子记录\n\n您特此对接收本《电子签名协议》所述的电子记录与通讯给予明确同意。您进一步同意，您的计算机、移动电话、平板电脑或其他访问设备符合上述指定的系统要求，且您能够接收、留存和查看电子记录与通讯，并且您拥有一个活跃且有效的电子邮件地址，可供我们向您发送电子记录与通讯。\n\n4. 隐私政策\n\n4.1. 概述\n\n在向客户提供服务的过程中，您理解并同意 MBI 可以收集和使用客户数据以：(i) 提供、运营和改进服务；(ii) 遵守适用法律的任何要求；(iii) 回应或配合监管机构或执法部门有关您账户的请求；(iv) 提供个性化服务；以及 (iv) 开展其他合法的商业活动，例如发送有关 MBI 和/或其关联方的产品、服务和要约的营销通讯。\n\n4.2. 第三方披露\n\n消费者账户。我们针对消费者的隐私政策详见 MBI 的《隐私披露》（Privacy Disclosure），该披露可在 MBI 的网站上查阅。我们向出于个人用途在我们这里开立账户的消费者提供本《隐私披露》。《隐私披露》描述了我们如何处理在与您交易过程中收集的消费者个人财务信息，以及我们可能向关联公司披露该等信息的情形。除第 4.1 条所述情形外，MBI 不会将申请过程中向您收集的信息与第三方共享，但为了验证您的身份信息或信用记录所必需的除外。有关在开立账户并成为客户后、我们在与您交易过程中收集的信息可能予以共享的情形的更多详情，请参阅《隐私披露》。\n\n商业账户。我们可能会与关联公司及选定的第三方共享有关我们与您的往来经历的信息。我们还可能在 MBI 关联方之间共享您在申请中提供给我们或我们从外部来源获得的信息。\n\n4.3. 匿名化客户数据\n\n如果任何客户的客户数据 (i) 与其他客户相关的信息或源自其他来源的信息相结合或汇总，或 (ii) 以合理防止识别或将该等客户数据归属于该客户的方式进行了匿名化处理，则 MBI 将拥有并在未经其同意的情况下有权出于任何目的使用该客户数据。\n\n4.4. 数据保护\n\nMBI 应采取商业上合理的预防措施来保护所有客户数据的保密性，包括通过实施和维持一项书面的信息安全计划，该计划提供适当的安全措施以保护 MBI 在向客户提供服务时所接收的客户数据。\n\n5. 一般条款\n\n5.1. 账户开立与所有权\n\n我们将依赖您提供给我们的信息以开立账户并确定其法定所有权和受益所有权。您同意并承认，我们可以依赖我们账簿和记录中的信息来确定您账户的所有人。\n\n如果账户所有人是公司、非法人团体、有限责任公司、有限责任合伙、受托人、合伙企业、个体工商户或以非个人身份申请的其他法律实体，则签署签名卡或完成其他申请要求的每位人士均陈述并同意其：\n\n- 完全有权以其注明的身份签署所有文件或以其他方式完成我们的要求；\n- 已提供证明该等授权所必需的所有文件或其他信息；以及\n- 将按我们不时的要求提供其他文件并完成其他要求。\n\n对于并非载于我们向您提供的表格上的、或在我们看来不完整或签署不当的涉及账户的任何决议，我们可拒绝予以承认。\n\n账户信息的变更。当您要求我们对此信息或您的账户进行变更，且我们同意该变更时，在我们有合理时间对新信息采取行动之前，该变更不发生效力。\n\n5.2. 对信息的信赖\n\n当我们处理进出账户的转账时，我们可以依赖我们在处理交易时关于账户所有权和本协议条款的记录。我们无需探究我们收到的任何资金的来源或所有权，亦无需探究从账户中进行的任何提款的去向。当我们根据任何签署人或任何签署人的代理人的请求并按照本协议的条款允许从账户提款时，该提款构成对 MBI 免除与该提款相关的一切权利主张的完全免责和解除。\n\n5.3. 您的账户管理\n\n您同意对您的账户密码和登录凭据的安全负全责。在您将此信息与授权代理人共享的范围内，或者如果由于 MBI 无法控制的行为导致您的账户密码和登录凭据的完整性受损，您明确同意承担由您的授权代理人或他人实施的任何未经授权行为的风险。如果您未能对您的账户维持充分控制并进行适当管理，包括未能合理、及时地更改或更新密码和登录凭据，您明确承担由此引起或产生的任何损失、成本或费用的风险。\n\n我们可以最终依据由您或任何授权代理人签署、出具、背书、执行、交付、出示、签发或以其他方式转让的任何票据的有效性和约束力，并且明确禁止您否认任何该等票据的有效性以及任何该等行为的约束力和授权。我们没有义务调查签署和/或交付任何票据或文件或其任何收益之运用的授权。\n\n5.4. 您的账户转让。\n\n您对任何账户的质押、转让或以其他方式进行的转让，无论是通过购买与承担、转让、出售、合并、收购、赠与还是其他方式，除非经我们书面确认，否则对我们均不具有约束力。除非我们另有书面同意，否则即使在我们收到转让通知后，该账户仍受我们抵销权的约束。\n\n我们保留不确认或不接受任何企图进行的账户转让的权利。除非法律要求，否则我们无需接受或承认企图转让您账户或其中任何权益的行为，包括担保权益通知或存款账户控制协议。如果您已向我们授予您账户中的担保权益以担保您欠我们的债务，则根据《统一商法典》（Uniform Commercial Code），我们将被视为对您的账户拥有控制权。\n\n6. 托管账户服务\n\n6.1 我们与您的关系\n\n托管人的指定。客户特此指定 MBI 为客户转移至托管人占有并保存在客户托管账户中的所有法定货币和数字资产金额的托管人（即“托管人”），且 MBI 特此同意担任客户托管账户中持有的所有资产的托管人。在作为托管人的身份下，MBI 应根据以下各项持有、占有和管理客户的账户：(i) 客户的指示；及 (ii) 客户授权人员的指示；以及 (iii) 本协议的条款。MBI 应在其账簿和记录中指明归属于其客户的法定货币和数字资产，无论是直接持有还是通过次托管人间接持有，MBI 可自行决定聘用次托管人来持有客户资产。通过次托管人在 MBI 持有的法定货币和数字资产金额可能受 MBI 与该等次托管人所订立协议的条款和条件约束。MBI 可随时停止使用任何次托管人和/或以其他次托管人替换某一次托管人。\n\n注意标准。在履行本协议项下的职责时（作为托管人的职责除外），MBI 应尽到合理人士的注意程度。在履行其作为托管人的职责时，托管人应尽到在同等情形下受托负责妥善保管其被指定持有和占有的该等资产的合理人士所应尽到的注意程度。\n\n6.2. 关于托管资金管理的指示\n\n为履行其作为托管人的职责，并在符合本协议各项限制与资质要求的前提下，客户指示托管人：\n\n- (i) 保管转入托管账户的法定货币和数字资产金额（“托管资金”）；\n- (ii) 监控并维护托管资金；\n- (iii) 按照本协议第 6.3 条管理托管资金；\n- (iv) 及时、准确地记录托管资金的存入、拨付和投资情况；以及\n- (v) 按照本协议预期的频率和方式，编制有关托管资金的定期对账单并提供相关信息的获取途径。\n\n6.3. 托管所持资金的管理\n\n除适用法律另有要求外，转入托管账户的法定货币和数字资产应持有于 (i) 由 MBI 自行决定选定作为次级托管人（各称“次级托管人”）的一家或多家商业银行或其他金融机构开设的法律上隔离、运营上混同的账户（“综合账户”）。综合账户应以 MBI 作为托管人为客户利益的名义开立。转入托管账户的法定货币可以现金形式持有或投资于现金等价物。MBI 能够以符合 12 C.F.R. § 330.5(a)(2) 的方式，在其账簿和记录中识别为客户利益而直接持有或通过次级托管人间接持有的现金和现金等价物。\n\n管理费。在我们次级托管人处的综合账户中持有的现金和现金等价物可能（或可能不）在 MBI 的次级托管账户中产生利息收益。除本协议另有规定外，托管人代表客户持有的任何法定货币所赚取的所有利息均应作为向该客户提供托管服务的对价支付给托管人。\n\n6.4. 其他托管账户功能\n\n初始余额 开立账户所需的最低余额为 $500.00 USD，或其他法定货币或数字资产的等值金额。\n\n利率 0.00%\n\n年化收益率 0.00%\n\n向 MBI 支付的费用 MBI 收取第 6.3 条所述的管理费。其他费用详见 MBI 的收费表。\n\n交易限制 您的账户交易限制详见第 6.2 条。\n\n其他费用披露 如上所述，您无需为开立和维护本账户向 MBI 支付任何费用，但我们可能会扣除某些利息收益作为我们托管服务的对价。\n\n6.5. 无 FDIC 保险\n\n存放在 MBI 的法定货币不受联邦存款保险公司（Federal Deposit Insurance Corporation，简称 FDIC）承保，也不受美国或波多黎各（Puerto Rico）任何政府支持或非政府支持的保险计划或产品的承保。\n\n7. 转账服务\n\n您可以按照本第 7 条所述，指示进出您托管账户的特定资金转账，但须遵守第 7 条中的限制。MBI 可不经事先通知，随时增加或取消其转账服务，或以其他方式修改其任何服务的条款或功能。\n\n除托管账户服务外，MBI 目前还提供以下转账服务：\n\na. 电汇服务\n\n对于转账交易，只有在您希望转出资金的账户中有足够资金，且在同名账户的情况下账户已绑定转账功能时，您的请求才会被完成。金额限制可能会根据账户类型和/或您用于转账的在线转账服务类型来设定。出于安全原因设定这些限制，并可能因此而不予披露。转账可能会根据交易时间和您用于处理转账的转账服务类型而有所延迟。特定类型的转账须遵守下文规定的附加条款和条件。\n\n7.1. 为您的账户充值\n\n您可以通过绑定外部账户并发起转账来为您的 MBI 账户充值。MBI 接受针对法定货币的环球银行金融电信协会付款（Society for Worldwide Interbank Telecommunications Payments，简称“SWIFT 付款”）和联邦储备电汇网络（Federal Reserve Wire Network，简称“Fedwire”）转账。在 MBI 确定该等法定货币转入该托管账户的转账已结算之前，法定货币的转账将不会记入托管账户。\n\n7.2. 绑定外部账户；外部账户转账\n\n客户可出于向该托管账户转账以及从该托管账户提款之目的，将其外部客户账户连接或绑定至其账户；但是，除非 MBI 自行决定批准将该外部客户账户用于与进出托管账户的转账相关的用途，否则任何外部客户账户均不得连接或绑定至客户的 MBI 账户。MBI 可随时撤销其对任何外部客户账户的批准。对于进出托管账户的每笔转账，客户必须指定经批准的外部客户账户作为转入托管账户的来源或转出托管账户的目的地。\n\n使用此项转账服务即表示您授权 MBI 为您的便利代表您发起您授权的任何金额的 ACH 借记和贷记。出于风险管理目的，MBI 可能会按每日、每周、每月或其他周期对这些金额设定限制。MBI 可出于任何原因随时终止此项服务。\n\n如需撤销此项授权，请从您的 MBI 账户中删除已绑定的账户，并以书面形式通知我们该撤销事宜。您同意，在 MBI 有机会收到该通知并采取行动之前，撤销授权不生效。在所有情况下，我们在收到上述指示并向您发出书面确认后，即视为撤销授权生效。\n\n向外部账户转账的限制\n\n要求提前通知提款的权利。对于托管账户中持有的所有金额，MBI 保留要求至少提前七 (7) 天就您的提款意图发出书面通知的权利。尽管我们通常在未提前通知的情况下处理我们托管账户的提款，但这样做并不意味着我们放弃要求提前七 (7) 天或更长时间发出书面通知的权利。\n\n限制特定类型转账的权利。MBI 保留对您每月可以从托管账户进行的特定类型转账的次数施加限制的权利。尽管我们通常不限制您每月可以进行的特定类型转账的次数，但我们可能会拒绝在任何一个 30 天内处理从您的托管账户向外部账户发出的超过六 (6) 次的电子转账请求。如果您不止偶尔超出转账限额，我们可能会关闭您的账户，无论是否向您事先发出通知。\n\n未注资转账。MBI 不提供透支服务，因此无法处理未注资的转账。所有向外部账户发出的超出您当前可用余额的转账请求都将被拒绝，MBI 对此不承担任何责任。\n\n责任限制。如果我们担心您账户中的一笔或多笔交易可能未经授权或具有欺诈性、如果存在关于账户的争议导致我们无法确定已给出的指示、账户被扣押或查封、账户已被质押给 MBI 作为债务的担保物、存放在 MBI 的资金的可用性无法核实、未出示任何所需文件，或者您未能按时向我们偿还债务，我们可以拒绝允许任何转账，且不对您承担任何责任。\n\n8. 资金可用性\n\n尽管 MBI 不提供交易账户，但我们的政策通常是在适用于我们服务的情况下遵循美国联邦关于资金可用性的指导方针。如上所述，MBI 目前为其托管账户接受的唯一资金转账方式是通过 SWIFT 或 Fedwire 进行的电汇。\n\n8.1. 资金何时可用？\n\n在确定您资金的可用性时，除星期六、星期日和联邦法定节假日外，每一天均为“工作日”。如果您在我们营业的工作日美国东部时间下午 3:45 之前存款，我们将视该日为您的存款日。但是，如果您在美国东部时间下午 3:45 之后或在我们不营业的日子存款，我们将视该存款是在我们营业的下一个工作日存入的。\n\n电汇\n\n对于向已设立的托管账户进行的下列转账，其资金在您转账日后的第一个工作日可用：\n\n• 电汇\n\n8.2. 处理交易\n\n向您的账户记账交易会影响您的账户余额。记入贷项会增加您的余额。记入借项或冻结会减少您的余额。转入您的托管账户将作为贷项记入您的账户。从您的托管账户转出会作为借项从中扣除。您的账户也可能会因支付费用（包括因其服务而欠 MBI 的费用）而被借记。\n\n在单日内处理您账户中超过一笔交易通常不是 MBI 的政策。在 MBI 偏离该政策的范围内，您同意我们可以自行决定交易的记账顺序，以及我们向您的账户记入借项和贷项的顺序。\n\n9. 资金不足与透支保护\n\n在任何情况下，我们均不对您的账户授权透支，亦不代表您发放信用以弥补透支。所有转账请求必须由您的可用余额全额注资。\n\n10. 费用与抵销\n\n您的账户须遵守本协议所述的费用，并详见收费表，该表可在相关网址获取。适用于您账户的收费表是本协议具有约束力的一部分。通过签订本协议并成为客户，您同意支付 MBI 收费表中列出的任何费用，该收费表由 MBI 自行决定不时更新并发布在其网站上或通过电子方式传达给您。客户同意及时支付账户费用，并在此授权并指示托管人指示从托管账户中扣除等于届时所欠 MBI 未结金额的价值的款项。如果您的账户中没有足够的资金来支付您欠我们的款项，我们可能会扣除最多至全部剩余金额并关闭您的账户，且不对您承担任何责任。如果您或您的任何关联方欠 MBI 或 MBI 的任何关联方（包括向 MBI 提供服务的关联方）款项，我们保留从您在我们处控制的任何账户中扣除您或您的关联方所欠全部金额的权利。如果您认为从您的任何账户中扣留的金额有误，您同意您唯一的补救措施是根据本协议第 11.8 条中包含的争议解决条款寻求对您的争议进行仲裁。\n\n11. 其他条款和条件\n\n11.1. 适用于本节的其他定义\n\n“仲裁”具有第 11.8 条赋予该词的含义。\n\n“仲裁员”具有第 11.8 条赋予该词的含义。\n\n“BSA/AML 要求”具有本协议第 11.2 条赋予该词的含义。\n\n“间接损失”指 (i) 间接的、附带的、惩罚性的、示范性的损害赔偿，(ii) 任何收入损失和利润损失，包括因使用本服务而产生的任何损失，以及 (iii) 任何类似类型的损害赔偿或损失。\n\n“争议”指双方之间就本协议引起的、与本协议相关的或由本协议产生的任何分歧（包括就 (i) 一方的任何作为或不作为，或 (ii) 本协议任何条款的解释或可执行性产生的任何分歧）。\n\n“FinCEN”指 Financial Crimes Enforcement Network（金融犯罪执法网络）。\n\n“不可抗力事件”指超出 MBI 合理控制范围的任何事件、状况或情形，包括直接或间接由以下原因导致的情形：天灾；战争；飓风、地震；火灾；洪水；任何公用事业的任何中断或故障；内乱；流行病；任何技术的任何中断或故障；任何服务或服务提供商的任何故障或中断；或适用法律的任何变更。\n\n“政府机构”指任何联邦、州、地方或外国政府机构；其所属的州、省、联邦领地、准州或管辖区；县或教区；市、镇、乡、村或其他市政当局；前述任何主体的区、选区或其他下属行政区划；前述任何主体的任何行政、立法或其他管理机构；前述任何主体的任何机构、管理局、委员会、部门、系统、办事处、专门委员会、理事会或其他行政机构；任何法院或其他司法机构；以及前述任何主体的任何官员、公职人员或其他代表。\n\n“损失”指任何及所有损害赔偿、罚款、费用、违约金、差额款项、责任、索赔、损失、损害追索要求、判决书、和解协议、义务、成本和开支（无论是实际的、特殊的、间接的还是惩罚性的），包括利息、诉讼费用和规费、律师、会计师和其他专家的费用，以及诉讼或其他程序或任何索赔、违约或核定产生的其他费用。\n\n“OCIF”指 Office of the Commissioner of Financial Institutions for Puerto Rico（波多黎各金融机构专员公署）。\n\n“OFAC”指 Office of Foreign Assets Control of the United States Department of the Treasury（美国财政部外国资产控制办公室）。\n\n“MBI 知识产权”指所有 MBI 软件资产、MBI 专有权益和 MBI 通用专有技术。\n\n“MBI 专有权益”指 MBI 的所有专利、版权、商业秘密和商标（无论是已授予的还是申请中的），以及其他知识产权。\n\n“MBI 软件”指由 MBI 拥有或获得许可给 MBI 的所有软件。\n\n“MBI 软件资产”指 (a) MBI 软件，(b) 用于 MBI 软件的设计、开发、运行、维护或安装，或主要描述任何 MBI 软件或其使用的所有文档，以及 (c) MBI 软件的所有副本。\n\n11.2. BSA/AML/OFAC 要求\n\nMBI 受经 2001 年《美国爱国者法案》（USA Patriot Act of 2001）修订的《美国银行保密法》（U.S. Bank Secrecy Act）及其由 FinCEN 实施的施行细则管辖，并受 OCIF 实施的反洗钱法律法规管辖（统称 MBI 的“BSA/AML 要求”）。此外，MBI 必须遵守 OFAC 发布的法规（“OFAC 要求”）。为了确保 MBI 在完全遵守其 BSA/AML 要求和 OFAC 要求的前提下提供安全且享有信誉的服务，MBI 的政策是除了在申请过程中收集其潜在客户的信息外，还对可疑交易进行监控并遵守向相关监管机构强制报告可疑交易的规定。\n\n在申请过程中以及此后的任何时候，客户均须向 MBI 提供 MBI 自行决定认为履行其在 BSA/AML 要求和 OFAC 要求项下的义务所必需的所有信息。MBI 保留出于任何原因（或无任何原因）在任何时候拒绝向任何客户开立账户、或禁止与任何客户进行往来交易、或终止与任何客户的关系的权利。如果 MBI 认定为了履行其在 BSA/AML 要求和 OFAC 要求项下的职责而需要采取行动，则 MBI 有权暂停客户的账户和服务。如果 MBI 合理认定履行义务可能导致其违反在 BSA/AML 要求和 OFAC 要求项下的义务，则客户同意免除 MBI 履行客户协议和本协议项下与客户或托管账户相关的义务。\n\n客户知悉，其可能被要求向有关当局没收其账户中的任何及所有客户资产。作为 BSA/AML 要求和 OFAC 要求的一部分，MBI 必须获取、核实并记录开立账户的每位客户（及相关用户）的身份信息。每位新客户（及相关授权人）均须向 MBI 提供其姓名、实际地址、邮寄地址、出生日期及其他信息。此外，在被授权开立客户账户和使用服务之前或此后的任何时候，根据适用法律，MBI 可要求每位客户（及相关授权人）向 MBI 提供额外信息或接受背景调查。MBI 在此明确保留保留并向其监管机构和执法部门共享此类信息和文件的权利，即使账户关系已终止或开立账户的申请尚未完成。\n\n11.3. 服务的暂停\n\n如果发生任何不可抗力事件或任何其他导致 MBI 向客户提供任何服务在商业上不合理的事件，MBI 可自行决定并在不对任何客户承担任何责任的情况下，在发出或不发出通知的情况下，暂停或限制向客户提供的任何或所有服务。\n\n如果任何客户违反本协议的任何条款，MBI 可自行决定并在不对该客户承担任何责任的情况下，在发出或不发出通知的情况下，暂停或限制向该客户提供的任何或所有服务。\n\n11.4. 调查、政府机构和法律程序\n\nMBI 可就与本协议或任何服务的使用相关的任何事项发起并开展调查。\n\nMBI 可向任何政府机构披露 MBI 收到的关于任何客户、其托管账户及其服务使用情况的任何信息和文件：(i) 在适用法律要求的范围内，以及 (ii) 与该政府机构的任何调查、要求、询问或程序有关。\n\nMBI 将严格遵守任何政府机构（包括财政部和国税局）发布的任何命令或查封令。因此，除其他事项外，MBI 可能有义务 (i) 冻结对客户资产的使用权限，或 (ii) 将客户资产交付给政府机构或其他个人。无论此类查封、扣押、征收或其他州或联邦法律程序的条款如何，我们对您账户中的所有资金均享有第一顺位求偿权。在适用法律未予禁止的范围内，对于影响该客户任何客户资产的任何命令、查封令或其他法律程序，MBI 将向客户提供及时的书面通知。\n\nMBI 没有义务对此类命令或令状的条款提出异议、质疑或质疑，也没有义务针对对该客户的任何客户资产申请任何命令或令状的人提出客户可能具有的任何抗辩。我们可采取我们认定在当时情况下属于适当的行动以遵守此类法律程序，且不对您承担任何责任，即使该法律程序声称仅影响联名账户其中一名所有人的权益，且即使我们可能被要求支付的任何资金会导致剩余资金不足以支付您已授权的交易。如果我们因任何此类法律程序而产生任何开支（包括但不限于合理的律师费），我们可在不事先通知您的情况下，将任何开支和费用从您的账户或您在我们处可能开设的任何其他账户中扣除，或者我们可直接向您开具此类开支和费用的账单。针对您账户的任何扣押或其他征收均受制于我们的抵销权和担保权益。MBI 仅在收到表明此类客户资产可以予以解封的命令送达时，才有义务解封受影响的客户资产。向 MBI 出示任何其他证据均不足以使 MBI 解封任何受影响的客户资产。\n\n如果任何客户的任何客户资产卷入任何实际或潜在的法律程序，MBI 可拒绝执行该客户就此类客户资产发出的任何指令，直至该程序得到解决。在任何情况下，MBI 均不对依据任何命令、查封或征收通知所支付的金额向客户承担责任。\n\n11.5 抵销和担保权益权利\n\n您在此授予 MBI（作为其关联方的代理人和代表）对您的所有账户以及可能存入并保存在此类账户中的所有托管资金、投资财产、金融资产、证券、票据、一般无形财产或现金及其他资金（无论是现有的还是此后产生的或将来存入其中的）连同其所有收益的担保权益，作为您或您的关联方现在或将来欠 MBI 或其关联方的义务的担保。这些义务包括有担保和无担保债务。我们可为了您或您的关联方欠我们或我们关联方的直接、间接和受让的义务，从您在我们处开设的任何或所有账户中提取或抵销资金。这些权利是我们为了您或您的关联方欠我们或我们关联方的义务而从您的账户中提取或扣除资金所享有的其他权利之外的补充权利。您及您的关联方与 MBI 在此同意，计入账户的每项财产（无论是投资财产、金融资产、证券、票据、一般无形财产、托管资金还是现金）均应被视为在不时有效的纽约州《统一商法典》（the \"UCC\"）第 8-102(a)(9) 条含义范围内的“金融资产”。MBI 在此陈述、保证并同意，其在任何时候均作为 UCC 第 8-102(a)(14) 条含义范围内的“证券中介人”行事，且每个账户均为 UCC 第 8-501 条含义范围内的“证券账户”。就本协议而言，“金融资产”、“投资财产”、“收益”和“证券权利”等术语应具有 UCC 第 8 条和第 9 条中规定的含义。您代表您自身并代表您的关联方同意，MBI 作为其自身及其关联方的担保方，可就某一账户及计入该账户的金融资产向作为证券中介人的 MBI 发出权利指令，并且在您或您的关联方未能按时履行您或您的关联方欠 MBI 或其关联方的任何义务时，MBI 有权在未经您或您的关联方同意的情况下执行此类权利指令。MBI 作为其关联方的代理人和代表以及作为担保方，有权行使 UCC 项下可用的所有救济措施。\n\n如果法律限制我们从您或您关联方的账户中提取或抵销资金的能力，或者如果某些政府付款受到保护免受查封、征收或法律程序的影响，在您可以通过合同行使权利的范围内，您放弃这些条件和限制，并授权我们将您在我们或我们关联方处开设的任何或所有账户中的资金用于清偿您或您的关联方欠我们或我们关联方的义务。\n\n行使这些权利可能会导致提前支取罚金，或者如果我们的行为导致您账户中的资金不足，可能会导致我们拒绝承付有关款项。\n\n对于联名账户、具有联名所有者/授权用户的企业账户，我们可针对该账户及所有所有者行使这些权利。无论由谁向联名账户存入资金，这些权利均行之有效。同样，每位联名所有者均同意，我们可使用其个人账户中的款项来清偿其联名账户中的债务。\n\n11.6. 责任限制\n\n(a) MBI 明确拒绝承认就任何服务或技术、或因使用任何服务或技术所获得的结果而作出的任何及所有明示或暗示的保证和陈述，包括适销性或特定用途适用性的任何保证。客户明确承认并同意：(I) 所有服务和技术均按“原样”提供，且 (II) MBI 不对通过或利用任何服务或技术所获得的任何结果的充分性、准确性、及时性或完整性作出任何保证。\n\n(b) MBI 不作出以下任何陈述或保证：(A) 任何服务或技术的可用性或使用将是不中断的、无错误的或安全的；(B) 就任何第三方（包括 SJMX）提供的任何技术或服务作出保证；或 (C) 就任何数据或技术的质量、准确性或完整性作出保证。\n\n(c) 客户因使用任何服务而存储或传输的信息，可能因各种原因（包括病毒或其他破坏性代码、软件故障、第三方提供商的协议变更、互联网中断、不可抗力事件或其他灾难、计划内或计划外维护，或 MBI 控制范围内或控制范围外的其他原因）而发生无法挽回的丢失或损坏，或暂时无法使用。客户全权负责对其通过本服务存储或传输的任何信息进行备份并保留副本。\n\n(d) 在任何情况下，MBI 均不对客户因本协议或对服务的任何使用而产生或蒙受的任何间接损失承担责任。\n\n(e) MBI 对由以下原因引起的任何损失不承担任何责任：(i) 任何不可抗力事件，(ii) 与任何技术相关的或由任何技术引起的任何错误或故障，(iii) 任何第三方提供的任何服务，或 (iv) 任何第三方的任何作为或不作为。针对客户因任何第三方的作为或不作为而遭受的任何损失，MBI 应在与客户协商后采取其认为适当的行动，向该第三方追索此类损失；但前提是：(x) MBI 无义务承担追索此类损失的任何费用，除非客户同意按 MBI 可接受的条款向 MBI 偿还此类费用，且 (y) MBI 对客户承担的唯一责任和义务仅限于代表客户从该第三方实际收到的款项（不包括 MBI 发生的成本和费用）。\n\n(f) 除因 MBI 的欺诈、重大过失或故意不当行为引起的责任外，MBI 不对任何作为或不作为承担任何责任。\n\n(g) 任何主体（除双方外）在本协议项下均不承担任何责任或义务，且任何一方均不得就本协议或服务向任何主体（除另一方外）主张或提出任何索赔。\n\n(h). 尽管本协议有任何相反规定，MBI 就客户针对 MBI 提出的与本协议、服务条款及服务使用相关的任何及所有索赔对客户承担的责任，应限于在首次向另一方提出任何索赔之日前六 (6) 个月内，客户向 MBI 支付的费用总额（不包括在 MBI 的次级托管账户中由我们的次级托管人代管账户持有的现金和现金等价物所产生或赚取的利息）。这些限制累计适用于所有诉由，包括但不限于违约、违反保证、过失、严格责任及其他侵权行为。您和您的关联方在法律允许的最大范围内，放弃主张直接或间接发生的所有推测性损害、间接损害和惩罚性损害赔偿。\n\n11.7 客户的责任、陈述与保证\n\n(a) 客户将在所有重大方面遵守：(i) 本协议的条款，(ii) MBI 就其账户和服务向客户发出的指示，以及 (iii) 适用于客户关于其账户及服务使用的法律。\n\n(b) 客户应在 MBI 认为必要或适当的范围内，根据 MBI 的合理要求，以 MBI 合理要求的方式或格式，及时向 MBI 提供 MBI 所要求的关于客户及其使用服务的信息和文件，以确定客户是否遵守本协议以及适用于客户关于其账户及服务使用的所有法律。\n\n(c) 客户如发生任何违反本协议的行为，或发生任何可合理预期会导致违反本协议的事件、情况或进展，应及时书面通知 MBI。\n\n(e) 客户不得以以下任何方式使用或允许使用任何服务：(i) 违反任何适用法律，(ii) 违反客户作为一方或受其约束的任何合同、知识产权或其他第三方权利，(iii) 对 MBI 向其任何客户提供任何服务的能力产生不利影响或造成干扰，(iv) 通过未经授权的手段创建账户或访问数据（包括客户或其他客户的信息），或 (v) 违反本协议的任何条款。\n\n(f) 客户陈述并保证：(i) 其拥有签署、交付和履行本协议的全部权利和授权；(ii) 若为实体，客户是根据其注册成立地的管辖法律正式组建并有效存续的；(iii) 客户已获得所有必需的同意、授权和批准，并已完成所有必需的备案和登记，并已发出所有必需的通知，以签署、交付和履行本协议；以及 (iv) 客户签署、交付和履行本协议不违反客户作为一方当事人的任何合同，亦不违反任何适用法律。\n\n11.8. 法律适用与争议解决\n\n(a) 本协议和服务条款应受纽约州（State of New York）法律管辖并按其解释，不考虑任何法律冲突条款。本协议应被视为在波多黎各圣胡安（San Juan, Puerto Rico）签署。\n\n(b) (i) 双方之间的任何争议应在波多黎各圣胡安通过仲裁（以下简称“仲裁”）解决，仲裁应由 JAMS（Judicial Arbitration and Mediation Services，或其任何类似继承机构）依据其《全面仲裁规则与程序》并按照该规则中的快速程序，或依据 JAMS 的《简易仲裁规则与程序》进行管理。任何仲裁中使用的语言均为英语。\n\n(c) 仲裁应由双方共同同意的一名仲裁员（以下简称“仲裁员”）主持。如果双方在仲裁开始后三十 (30) 天内无法就仲裁员达成一致，则仲裁员应按照 JAMS 的适用规则和程序确定。\n\n(d). 仲裁员应适用美利坚合众国联邦法律和纽约州法律。任何有管辖权的法院均可就仲裁裁决作出判决并执行。\n\n(e). 本第 11.8 条不妨碍双方向具有适当管辖权的法院寻求协助仲裁的临时救济措施。双方进一步理解并同意，在法律允许的最大范围内，仲裁员的决定应具有终局性和约束力，并可由任何具有管辖权的法院强制执行。\n\n(f). 双方应对任何仲裁程序和裁决（如有）保持保密性，包括庭审的私密性，除非是为了准备或进行实体仲裁庭审所必需，或者与向法院申请初步救济、对裁决提出司法异议或申请执行裁决相关所必需，或法律或司法判决另有要求除外。\n\n(g) 败诉方应向任何争议中的胜诉方偿还该方在该争议中合理产生的所有费用。\n\n双方根据第 11.5 条和第 11.7 条可获得的救济，应为双方就因本协议引起的或与本协议相关的任何争议所能获得的唯一且排他的救济。\n\n11.9. 未退还或弃置的财产\n\n如果 MBI 因任何原因无法将任何客户资产退还至客户指定的外部客户账户，则 MBI 将根据适用的无主财产法（包括适用的波多黎各法律）对该等客户资产进行报告和汇缴。\n\n11.10. 税费\n\n每位客户应全权负责确定适用于该客户通过服务处理的交易的税费（如有），且每位客户有责任向相应税务机关报告并缴纳正确的税款。MBI 不负责确定税费是否适用于任何客户的交易，亦不负责对因任何交易产生的任何税费进行代扣、报告、代缴或汇缴。\n\n因客户未能履行其税务义务而导致 MBI 遭受损失的（包括与税务机关潜在传票相关的法律费用），客户应在 MBI 要求时立即予以赔偿。\n\n11.11. 其他条款\n\n(a) 完整协议。本协议及服务条款：(i) 包含双方就本协议标的事项达成的完整协议，并且 (ii) 取代双方此前就本协议标的事项达成的所有协议和安排（无论是口头的还是书面的）。\n\n(b) 修订。本协议仅可根据双方签署并交付的书面协议进行修订、修改或补充。MBI 可在向客户发出关于此类修订、补充或修改的书面通知后，随时修改、补充或变更服务条款，无需取得任何同意。\n\n(c) 弃权。除非依据该方签署并交付的协议作出豁免，否则任何一方均不得被视为放弃了其在本协议项下的任何权利，且该等豁免仅限于该协议的条款。任何一方对本协议任何条款的放弃，均不得被视为该方：(i) 今后对该条款的放弃，或 (ii) 对任何其他事项的放弃。\n\n(d) 可分割性。本协议任何条款在任何司法管辖区的无效性和不可执行性，均不影响：(i) 本协议其他条款在该司法管辖区的解释，且本协议在所有方面均应视为省略了该无效或不可执行的条款来予以解释，以及 (ii) 本协议在任何其他司法管辖区的效力。尽管有上述规定，若本协议的任何条款被认定为不可执行，则在适用法律允许的最大范围内，本协议应以与该条款相一致的方式予以解释。\n\n(e) 转让。未经 MBI（MBI）事先书面同意，客户不得转让或转移其在本协议项下的任何权利或义务，包括根据法律规定或与任何控制权变更相关的转让或转移。MBI 在向客户发出事先书面通知后，可转让或转移其在本协议项下的任何或全部权利的全部或部分。\n\n(f) 知识产权。MBI 或其第三方许可人是且应是 MBI 知识产权的所有人，客户对 MBI 知识产权不享有任何明示或暗示的所有权。\n\n(g) 解释。除本协议或《服务条款》另有规定外，本协议应受下列解释条款的约束：(i) 所使用的所有词语的性别（或无性别）包括阳性、阴性和中性；(ii) 所使用的所有词语的含义应同等适用于单数或复数（视适用情况而定）；(iii) 词语“包括”和“包含”应指包括但不限于；(iv) 词语“基于”应指基于、与……相关或源自；(v) 提及的节、附件和附表系指本协议或《服务条款》（视适用情况而定）的节、附件和附表；(vi) 提及的法律系指不时修订的该等法律，提及法律的特定条款包括任何后续法律的任何相应条款；(vii) 提及的任何协议系指不时修订、修改、补充或替换（包括通过任何同意或弃权）的该等协议；(viii) 本协议中包含的所有标题和副标题仅为便于查阅而插入，不得被视为用于解释或修改本协议的条款；(ix) 除非另有说明，提及的款项均指美利坚合众国的法定货币；以及 (x) MBI 根据本协议或《服务条款》或与本协议或《服务条款》相关的任何作为或不作为，应完全且绝对由 MBI 自行决定。\n\n(h) 副本。本协议可签署一式多份副本（包括通过电子签名），每份副本均构成原件，且所有副本共同构成一份协议。\n\n[********]","key_entities":["Je","RICO","CIPA"],"ecf_references":[],"word_count":11694,"status":"published","published_at":null,"created_at":null,"updated_at":"2026-08-23 08:17:12"}