THE PARTIES WAIVE, TO THE EXTENT PERMITTED BY APPLICABLE LAW, TRIAL BY JURY IN ANY LITIGATION IN ANY COURT WITH RESPECT TO, IN CONNECTION WITH, OR ARISING OUT OF THIS ACCESS OR ANY INSTRUMENT OR DOCUMENT DELIVERED IN CONNECTION WITH THIS ACCESS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY, OR THE VALIDITY, PROTECTION, INTERPRETATION OR ENFORCEMENT THEREOF, OR ANY OTHER CLAIM HOWSOEVER ARISING (INCLUDING TORT AND CLAIMS FOR BREACH OF DUTY BETWEEN THE PARTIES HERETO) RELATED TO THIS ACCESS AGREEMENT.

Each such Transfer will be done on the Business Day Bank receives the Drawdown Request from the Requesting Bank if the Drawdown Request is received within a reasonable time to determine whether your Accounts have sufficient available funds and to obtain access to the Federal Reserve network prior to the end of that business day. Bank may reject any Drawdown Request in excess of the collected and available balance. Requesting Bank will be notified if the request is rejected by Bank. Your obligation to pay Bank the amount of the Transfer in the event that the Fedwire message does not identify the same account of financial institution is not excused in such circumstances. With respect to incoming wire transfers that do not indicate an account number recognizable by Bank, Bank may return the wire transfer to the sending financial institution without incurring any liability.


What’s the catch? None, really. Cash back apps act as affiliates for many online merchants, which means that whenever you make a purchase through one of the apps, they get a small commission — but then, they give you a portion of that commission as “cash back”. For example, if I buy a pair of Nike shoes through the Ebates app (or website) and spend $75, Ebates may get a $10 commission but then they’ll pass $7 back to me. It’s basically a way to get sale prices on stuff that isn’t on sale!

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