This Lockbox Services Agreement (“Lockbox Agreement”) governs Customer’s use of the Lockbox Services (the “Service” in this Lockbox Agreement) in association with Customer’s deposit accounts with Bank (collectively, the “Account”). By using the Service, Customer agrees to the terms and conditions of this Lockbox Agreement and all exhibits, schedules, appendices, addenda and other attachments hereto, which are part of this Lockbox Agreement. In the event of a conflict between the terms of this Lockbox Agreement and the terms of the Access Agreement., this Lockbox Agreement will control to the extent of such conflict. The terms “we,” “us,” “our,” “River City Bank,” and “Bank” refer to River City Bank. “Customer”, “you” and “your” refer to the party in whose name an Account is maintained, each signer on each deposit or other account through which the Service are accessed or used, including those specified on Attachment A hereto, and all owners of those accounts (collectively, the “Account”). The term “Access Agreement” means the Online Cash Management Access Agreement between Bank and you to which this Lockbox Agreement is attached.

MoneyMe ensures that repaying your loan is simple. We’ll set up your direct debits on your nominated payday and you will receive a reminder in advance of that date. Concerned you will miss your repayment as the date nears? The MoneyMe team is available via phone, email, live chat, Facebook or Twitter – we will work with you to help resolve the situation.
Headlines are one of the most important parts of your content. Without a compelling headline, even the most comprehensive blog post will go unread. Master the art of headline writing. For example, the writers at BuzzFeed and Upworthy often write upward of twenty different headlines before finally settling on the one that will drive the most traffic, so think carefully about your headline before you hit “publish.”
In its sole discretion, Bank may, but is not required to, seek verification or other authorization of any Transfer instruction or related communication in addition to the verification required under the Security Procedures (the “Optional Verification”). In seeking such Optional Verification, Bank may contact you by any means it deems reasonable in order to obtain assurance it deems reasonable as to the authenticity or other correctness of a Transfer request or instruction. Bank has no obligation to perform any Optional Verification at any time. However, if upon attempting to obtain such Optional Verification, Bank is unable to do so to its satisfaction, then Bank may, in its sole discretion, either make the Transfer or decline to make the Transfer or follow the instructions or decline to follow the instructions. In such an event, Bank will not be liable to you for any actual loss of any kind or for any consequential, punitive or exemplary damages in any amount, provided that Bank has acted in good faith.
It’s content like this that forms the foundation of effective content marketing: a crucial component in modern day integrated marketing campaigns that cohesively drive marketing results. It’s so vital, in fact, that some 22% of those surveyed at Smart Insights said that content marketing would be the digital marketing activity with the greatest commercial impact in 2016.
If you have a background in a specific field, you may find there is a demand for writing industry papers in your area of expertise. For example, there are often adverts for doctors, lawyers, nutritionists, and business experts from particular niches, to write white papers on different subject areas. These are well paid jobs that you will need to stake your reputation on, but that can often be worked on from the comfort of your own home.
Bank may, but is not required to, apply the additional security precautions you request not only to the Accounts and Loans of the named Customer but also to the Accounts and Loans of persons and entities treated as affiliates of the named Customer in our online system.  It is solely your responsibility to give Bank written notice of instructions to apply security procedures to Accounts and Loans in a manner different than what Bank does in the absence of such instructions.

If you have nothing of value to sell from home then retail arbitrage might be a better option for you. Many people partake in arbitrage to earn a little extra money, and for some, it has even become their full-time job. Retail arbitrage is the buying of goods at a low price and then selling them on a different platform at a higher price. Sales in shops provide ideal opportunities to pick up products for next to nothing. These can then be sold on eBay or Amazon for higher amounts, making you a nice profit.
If your company is like my client’s, there’s a good chance you’re taking advantage of the maximum 20 goal completions that can be simultaneously tracked in Analytics. However, to make things easier and more consistent (since goal completions can change), I looked at only buyer intent conversions. In this case it was Enterprise, Business, and Personal edition form fills, as well as Contact Us form fills.

Find an audience for your passion or hobby and you’re all set to make money online doing something you love via a niche website. That of course, is easier said than done. Creating a profitable niche website takes time and is not intended for the faint of heart. But, if you can hurdle the steep challenges and positively answer a few key questions on whether the website business idea you’re thinking about is profitable, then you can begin building it and eventually monetize through advertising, affiliates, or other relevant products.


Mobile traffic: In the Groupon experiment mentioned above, Groupon found that both browser and device matter in web analytics’ ability to track organic traffic. Although desktops using common browsers saw a smaller impact from the test (10-20 percent), mobile devices saw a 50 percent drop in direct traffic when the site was de-indexed. In short, as mobile users grow, we are likely to see direct traffic rise even more from organic search traffic.
The title tag of a blog post is critical to how Google assesses the contents of each blog post. This text is also what displays as each page’s title within search results. So, be sure to include your target keywords but also be sure to make it interesting and clickable to keep click-through-rates high. After all, ranking high within Google search results won’t generate traffic unless readers click through to your blog.
While some might think that starting a blog is an arduous effort, when you understand the precise steps you need to take, it becomes far easier. It all starts in the decision of choosing a profitable niche and picking the right domain name. From there, you need to build your offers. You can easily sell things like mini-email courses, full-blown trainings, ebooks, and so on.

Thanks Jure. That actually makes sense. Exactly: I’ve tested lowering the number of tips in a few posts and it’s helped CTR/organic traffic. One thing to keep in mind is that the number can also be: the year, time (like how long it will take to find what someone needs), % (like 25% off) etc. It doesn’t have to be the number of tips, classified ads, etc.
It’s sometimes hard to comprehend just how much people love t-shirts. And with the right niche, marketing, and tools, you can create an online t-shirt business that makes you extra money online while you sleep. (Even Bloomberg and Forbes feature stories from entrepreneurs who've done just that.) Services like TeeSpring make it easier than ever to create a t-shirt drop-shipping business where they handle the sales, printing, and shipping, and you’re only responsible for design and marketing. For more tips, check out this simple guide to launching and marketing an online clothing store by my friends over at Selz.
What does that mean for your website? Organic Traffic is any of the customers that come to your website without clicking a link on another site (referral traffic) or clicking an ad (paid traffic) – these visitors used a known search engine and clicked a link to view your website. Much of this traffic is customers from Google, but it also includes other common search engines like Bing and Yahoo. Now that we know what it is, let’s dive into understanding how this information can help you improve your website.
If prior to the date we provide you a copy of or notice regarding this Access Agreement, you and Bank were parties to a prior version of this Access Agreement, then this Access Agreement will replace such prior agreement after you use any Services or provide any instructions provided for in this Agreement following receipt of a copy of or notice regarding this Access Agreement, which receipt will be deemed to have occurred the earlier of (i) 5 banking days after Bank sends a copy of this Agreement to your email address of record with Bank or posts this Access Agreement online or (ii) the first time at which you utilize the Services after such notice.  Exhibits, schedules and other attachments to the prior version of this Access Agreement (and the previous versions of the Schedule Agreements) with customer-specific information, and customer-specific information incorporated into such previous agreements, will remain in effect until Bank and you agree in writing upon replacement exhibits, schedules and attachments and information, respectively.
The peer-to-peer concept is coming to virtually every corner of human existence. That includes the hospitality industry. Through AirBnB you can actually rent out your house for various lengths of time for a predetermined fee. That gives you an extra income on your house and gives the visitor the benefit of having an entire house, rather than being crammed into a single hotel room.
For purposes of this EFT Agreement, the term “Entry” means each type of “entry” as that term is understood and used in the Automated Clearing House (“ACH”) system and the Operating Rules of the National Automated Clearing House Association (“NACHA”), and the Service and EFT transactions made or requested pursuant thereto include such Entries only and not wire transfers or other forms of electronic funds transfer.
If you are a confident web developer then designing your own themes is an obvious path to follow if you are looking to make money online. ThemeForest sells a wide assortment of developers themes, including themes for WordPress, Shopify, Weebly, and Tumblr, to name a few. Once you have created your theme, get it accepted onto the ThemeForest marketplace and make money each time it sells.
Become a proofreader. All kinds of businesses hire professional proofreaders to look over their copy and content for errors before they publish. This side hustle is one that could work for nearly anyone since you can work from home provided you have a computer and an internet connection. You can find online proofreading jobs through websites like Indeed.com and FlexJobs.com
Notify us immediately if you believe another person has improperly obtained access to any security credentials, including password or username, or other information that could allow the person to access or debit your Accounts or obtain Advances under your Loans.  Also notify us if someone has transferred or may transfer money from your Accounts or may have obtained an Advance without your permission, or if you suspect any fraudulent activity on your Accounts or Loans.  Only reveal your Account number or Loan number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments).  To notify us, call River City Bank at (916) 567-2899, or write River City Bank, Attention: Cash Management, 2485 Natomas Park Drive, Sacramento, CA 95833.
You are responsible for providing and maintaining at your own expense, all equipment necessary in connection with the Services.  This includes, but is not limited to, telephones, terminals, modems, Internet connectivity, and computers.  We assume no responsibility for any errors, failures, or malfunctions of your computer or software, or for any computer virus or related problems that may occur during your use of the Services that is not proven to have originated from Bank.
I have always believed in good quality content, well structured and written in a way that isn’t just about promotional talk. Thanks for sharing this information with us, it’s always helpful to have everything written in a concise manner so we can remind ourselves now and again of what it takes to increase organic traffic. As an SEO consultant myself I come across websites all the time that are messy and still using tactics that have long been out of date. Having a successful website is all about quality content and links. I like it that you stated what the problem was and then how you fixed it for the client. Great article.

Note: Google made a change a few years ago to how they track keywords and it has had a big impact on the discovery process. Before the change, Google would show which keywords consumers were using to find your website, making it easy to understand where and how your website was ranking. Google changed their tracking system so that any users who are logged into a Google account while searching will no longer have their keywords tracked as their Google activity remains encrypted. Due to this, when looking at Organic Traffic reports you will see (not provided) as a keyword throughout the reports – this often makes up over 90% of organic traffic and requires us to dig a bit more creatively to find what we need.
If the enabling legislation which provides for appointment of a referee is repealed (and no successor statute is enacted), any dispute between the parties that would otherwise be determined by reference procedure will be resolved and determined by arbitration. The arbitration will be conducted by a retired judge or Justice, in accordance with the California Arbitration Act §1280 through §1294.2 of the CCP as amended from time to time. The limitations with respect to discovery set forth above shall apply to any such arbitration proceeding.

Customer authorizes Bank to debit the applicable Account for the amount of the Drawdown Request and any fees if the information contained in the request is consistent with the information provided to Bank on the Drawdown Request Service Implementation Form. The authority granted to Bank hereunder shall continue until thirty (30) days after Bank receives written notice from Customer revoking such authority,
If you want to help shape products in their early stages, joining an online focus group or answering survey questions is a great way to make extra money online. They don’t pay as much as some of the other options we’ve highlighted, but you can join groups on sites like Survey Junkie, Swagbucks, and IPSOS that pay out through Amazon gift cards, check, or PayPal. You’ll be asked to provide a bit of information about your demographics (age, location, etc…), but after that you can get going making money through surveys.
Work as an online interpreter or translator. If you’re fluent in a foreign language, it makes sense to look for work as an online interpreter or translator. Depending on your individual skillset, you could find work translating blog posts or eBooks, transcribing recorded lessons or speeches for clients, or translating through Skype or another online video service. And, thanks to the increased use of foreign languages in the United States, getting started could really pay off. According to the Bureau of Labor Statistics, employment for interpreters and translators is expected to increase 17% nationally through 2026.
People want to speak their minds and weigh in on subjects they feel passionately about, so building a community into your site is a great way to start a conversation and increase traffic to your website. Implement a robust commenting system through third-party solutions such as Facebook comments or Disqus, or create a dedicated forum where visitors can ask questions. Don’t forget to manage your community to ensure that minimum standards of decorum are met, however.
Bank has established operating rules and security procedures for accepting payment orders, including both standard and additional procedures as set forth in Attachment A to this Wire Agreement (collectively, the “Security Procedures”). If Bank receives a Transfer request or instruction (each, a “payment order”) in accordance with the Security Procedures, it will be conclusively deemed authentic, Bank may rely on it and Bank is relieved of any and all liability in connection with the Transfer or Transfers reflected on that Transfer request, whether or not it was authorized. You are responsible for the accuracy of the initial communication of the Transfer request as well as the accuracy of any documentation or callback of the request made by Bank.
Running a coupons website can be very lucrative. Find a coupon niche, select a WordPress coupon theme, and then display relevant coupons on your site. When your audience uses the coupon codes or discount links, you will earn an affiliate cut, for example, you could set-up a site dedicated to iHerb Coupons or add a page to your website with Web Hosting Promo Codes. Coupon websites are quite high maintenance as they need to be constantly updated with new offers. However, if you build up an engaged audience and allow them to post coupons and discounts they have found themselves, then quite quickly your workload will reduce.
Strive to write quality content with value to your readers, as people are looking for this kind of content, it will bring organic traffic to your door naturally. Search engines as people, love frequently updated and fresh content. The logic is simple, if you update your site on regular basis, it shows activity and potential for contributing to people and as consequence, search engines will crawl more your website and will reward you for that in the search results. As always, prefer good content and not spam or poor writing. The more often you write is better, at least 2 or 3 times a week may be optimal, but not many people have the time for this. You can hire a professional blogger for your web site, host guest blogs or buy articles, but be aware and check what quality you get.
So how can you prepare your blog for long-term organic traffic? We have a few tips below. We did want to mention that they are other ways of getting traffic to your website. They are effective but you need to be more consistent. With organic traffic, your blog will naturally gain long-term traffic. But here are our other suggestions to getting traffic to your website:
As long as there is still the written word, there will always be editors. Freelance editing and proofreading not only pays a decent hourly wage, it also gives you the chance to read about potentially interesting topics too. What's more, pursuing freelance writing & editing as a business idea can afford you a lifestyle that lets you travel the world as a digital nomad. You can find lots of job postings from companies and individuals in need of writing, proofreading, and editing services on Upwork, which makes this a high-demand opportunity to make money online.
If you check out some of the suggestions below this though, you're likely to find some opportunities. You can also plug in a few variations of the question to find some search volume; for example, I could search for "cup of java" instead of "what is the meaning of a cup of java" and I'll get a number of keyword opportunities that I can align to the question.

You agree that in the event that you are not able to capture, balance, process, or otherwise transmit a File to Bank for any reason, including but not limited to communications, equipment or software outages, interruptions or failures, you will transport the physical checks and deposits to the closest office of Bank and deposit the original checks with Bank until such time that the outage or other interruption can be identified and resolved.  The deposit of original checks at an office of Bank is governed by the terms and conditions contained in the Deposit Agreement and Disclosure and not by the terms of this Remote Deposit Agreement.  Notwithstanding the foregoing and to the extent applicable, all of your representations and warranties in this Remote Deposit Agreement apply to the deposit of original checks.

Clearly, there's a lot of demand on Amazon, and if any product is going to sell, it's going to sell well on Amazon. But the goal here is to source the right products that will easily sell at the world's largest online retailer. Generally, products between $10 and $50 sell very well here. Just be sure to do the right market research before jumping on this bandwagon.
If you're looking to address some immediate financial needs, then the app economy is likely right for you. Thanks to the global sharing phenomenon, launched in part by our smartphones and ever-burgeoning global connectivity, you could easily opt for some quick active income by using well-known apps. From ride sharing to deliveries and even quick tasks, there's an app for that today, as the saying goes. 
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