You acknowledge that the return, rejection or delayed payment of an ACH Transaction, a check or other item is subject to dispute by any of the parties involved, including the senders, payees, originators, drawers and other parties.  If a dispute arises relating to any aspect of the Services or the entries, checks or other items processed or not processed by or through the Service, we will act according to our good faith understanding of this Agreement, applicable laws, regulations and the Rules, including any attachments or appendices then in effect, as they may be amended from time to time.  You agree to indemnify and hold Bank, its officers, directors, shareholders, agents, employees and Affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys’ fees) arising from or related in any way to your use of the Service, unless such losses or costs are proven in a non-appealable court judgment to have been caused by our intentional misconduct or gross negligence.


THE PARTIES RECOGNIZE AND AGREE THAT ALL DISPUTES RESOLVED UNDER THIS REFERENCE PROVISION WILL BE DECIDED BY A REFEREE AND NOT BY A JURY.  AFTER CONSULTING (OR HAVING HAD THE OPPORTUNITY TO CONSULT) WITH COUNSEL OF THEIR OWN CHOICE, EACH PARTY KNOWINGLY AND VOLUNTARILY AND FOR THEIR MUTUAL BENEFIT AGREES THAT THIS REFERENCE PROVISION WILL APPLY TO ANY DISPUTE BETWEEN THEM WHICH ARISES OUT OF OR IS RELATED TO THIS ACCESS AGREEMENT.
Find a profitable niche: We’ve talked about this a lot. But, where are you most comfortable. What niche do your skills, values, and interests intersect? Do you have 10 years of experience as a technical writer? Do you have long-standing PR relationships that’ll be invaluable in helping startups launch a successful crowdfunding campaign? Determine what makes your value unique, and lean heavily on showcasing that strength to your potential clients.
We are passionate about helping those who find themselves in a tight situation, no matter when or where. Cash emergencies happen. Life moves fast and doesn’t slow down when money is tight. Speedy Cash understands that sometimes you need cash in a hurry; that’s why we offer loans online 24/7. Fast loans you can apply for online with Speedy Cash could provide you with a cash advance when you need it most.
Market your course: The beauty of using a course to make money online is that you can continue to sell it for as long as you’d like. Look for niche communities on Facebook, LinkedIn, or Reddit that might benefit from your content. Guest post on relevant blogs and sites. Look for anywhere you might be able to get in front of the right people. With just a few hours a month you can continue to generate sales.
You will have no right to cancel or amend any Entries received by Bank after it has been approved by you and released to Bank.  However, if your request complies with the security procedures, Bank may use reasonable efforts to act on the request prior to transmitting Entries to the ACH or gateway operator or, in the case of an on-us entry, prior to crediting a receiver’s account, but will have no liability if the cancellation or amendment is not effected.  You will reimburse Bank for any expenses, losses, or damages Bank may incur in effecting or attempting to effect your request.
Customer agrees to pay Bank according to the fee schedule attached to this Lockbox Agreement as Attachment A. Such fees will be deducted from Customer’s Designated Fee Payment Account set forth on Attachment A on the Fee Payment Date each month. If there are insufficient funds in the Designated Fee Payment Account, then Bank may withdraw payment for fees from any of Customer’s accounts at Bank.
Encourage incoming links. Google prioritises sites that have a lot of incoming links, especially from other trustworthy sites. Encourage clients, friends, family members, partners, suppliers, industry mavens and friendly fellow bloggers to link to your site. The more incoming links you have the higher your site will rank. But beware SEO snake oil salesmen who try to trick Google with spammy links from low-reputation sites. Some links can actually damage your SEO.
If you want to clear some space out in your house and have a big stack of books you’ve been holding onto for too long, you can make money selling your books and textbooks online. Stores like Half Priced Books and others will give you cents on the dollar for each of your current books while you can check what your book is worth by simply entering the ISBN number on Book Scouter.
You can send electronic mail (“email”) to us.  Since we may not receive or review it immediately, you should not rely on email if you need to communicate with us right away (e.g., to stop the payment of a check).  If you need to contact us immediately, you should contact the branch where your Account or Loan was opened in person or by telephone.  We shall have a reasonable time to act upon any email request, and reserve the right to reject any transaction or request received by email (e.g., a request to wire funds).
If you intend to use the Service to originate Entries on behalf of, or for the benefit of, a third-party Originator that does not have an agreement with us for this purpose, the Rules define this as the conduct of a “Third-Party Sender.” We will only permit you to act as a Third-Party Sender with our prior written consent. If we do so, in addition to the other obligations and responsibilities hereunder, you specifically agree that:
An Authorized Agent is responsible for assigning the levels of security necessary for you.  The Authorized Agents will be required to change the initial passwords the first time they use their IDs to login into our cash management system.  It is the Authorized Agents’ responsibility to understand the security capabilities built into the Service and to assign and, as appropriate to your business and security needs, restrict access to the various applications only to those employees who have a need to know, keeping in mind the importance of separation of duties as an important way of protecting you.
If you have a fondness and talent for taking pictures you can make extra money online by becoming a stock photographer and selling your images to a stock photo company like ShutterStock or iStockPhoto. You’ll get royalties every time someone licenses an image you’ve submitted. To really be successful, build your own photography website to be able to showcase your portfolio and start getting higher-paid private corporate work.
Selling digital products can be just as successful as selling physical products. Graphics, software, eBooks, design elements, sound effects, songs, and videos are just a few types of digital products that are in popular demand. So if you can turn your hand to creating digital products, let’s have a look at how you can make money online from this skill…

If a Transfer request or instruction or payment or payment order identifies a beneficiary, beneficiary’s bank, or intermediary bank inconsistently by name and an identifying number (such as an account number, SWIFT address or universal identification number), the beneficiary bank or intermediary bank may make payment based solely on the identifying number.  In such cases, the payment will be final even if the identifying number you provided does not correspond to the beneficiary you identified.  Any losses resulting from an incorrect identifying number are your responsibility and not Bank’s responsibility.  Your obligation to pay the amount of the Transfer will not be excused by your error.  For Transfers sent in or returned to Bank, Bank is also entitled to rely on the identifying number as proper identification of a beneficiary and to credit the account based solely on that identifying number.  Bank has no duty to determine if the name and identifying number are consistent.


Powerful tools help manage your cash flow. With secure round-the-clock access to your accounts, you’ll never need to leave your office to make a transaction. And, since the technology is web-based, there’s no software to install and you can access the site from any computer in the world. With Cash Management, you can save time, improve your cash flow, and streamline your cash management procedures, all in a fully secure environment.
It’s one of the oldest and most proven ways to make money – buy low, sell high. The buy low part comes from searching garage sales, estate sales, and even thrift stores to find items that are in good condition (“gently used”) but selling well below what they would if they were brand-new. In this way, you might be able to acquire an item for $5, and later sell it for $50.
User experience refers to factors such as how fast your website loads, how modern your design is, how easy it is to navigate your site and to what extent you’re fulfilling users’ search intentions. Whilst search engines aren’t able to evaluate the UX of every website on the internet manually, they do take into account various indicators such as bounce rates, time on site and page views per visitor to help them estimate the quality of your UX.

Another tip you can use is just reach out to the prior agency and say something like the following: “We realise you were using link networks for our website which has resulted in a Google penalty and loss in business. Can you please remove my website from any link network you have built?”. If the prior agency is decent, they will remove the links from the network.
Salvage and resell. Do you love antiques or have a knack for finding valuables at flea markets or yard sales? If you do, it might be time to consider salvaging items for resale – or even scouting out antiques to sell for a profit. While you’ll need to spend quite a bit of time searching for prospects and spend some money buying upfront, you could easily turn a profit if you know what you’re doing.
In addition to other indemnification and liability provisions elsewhere in the Access Agreement and this Remote Deposit Agreement, you will be liable for, hold harmless, and will indemnify Bank and its officers, directors, shareholders, employees and agents from and against all claims of any sort by third parties or others arising out of this Remote Deposit Agreement, including all losses and expenses incurred by Bank arising out of your failure to report required changes, transmission of incorrect data to Bank, or failure to maintain compliance with the Laws and Rules.  Except for those losses caused directly by Bank’s failure to exercise ordinary care or to act in good faith, you agree to indemnify and hold Bank, its officers, directors, shareholders, agents, employees, and affiliates, and their respective officers, directors, agents and employees, harmless from and against any and all losses, costs, suits, damages, claims, liabilities and expenses (including reasonable attorneys’ fees) arising from or related in any way to (i) any Services performed in connection with this Remote Deposit Agreement, (ii) Bank’s action or inaction in accordance with or reliance upon any instructions or information received from any person reasonably believed by Bank to be your Authorized Agent or Authorized User, including any warranties or indemnities we provide to paying, depository, or other banks or to the drawer of an Item you deposit with us, (iii) your breach of any of your covenants, agreements, responsibilities, representations or warranties under this Remote Deposit Agreement, and/or (iv) your breach of applicable laws, rules or regulations.

You shall indemnify and hold harmless Bank from any direct or indirect claims arising from your conduct as a Third-Party Sender. You are solely responsible for ensuring that you are operating in compliance with the Rules and applicable law, and you agree to fully cooperate with Bank to resolve any issues relating to such conduct, including by sharing information relating to Entries or Returns and the development of reports or other documentation.
You may be using special equipment, services or software provided by a third party to assist it in processing Entries hereunder (“Service Provider”). If Customer uses Service Provider to transmit Entries to Bank and Customer and Service Provider, Customer (a) agrees that Service Provider is acting as Customer’s agent in the delivery of Entries to Bank, and (b) agrees to assume full responsibility and liability for any failure of Service Provider to comply with the laws of the United States, the Rules and this Agreement.
If a payment order describes the receiver inconsistently by name and account number (i) payment may be made on the basis of the account number even if it identifies a person different from named receiver or (ii) Bank may in its sole discretion refuse to accept or may return the payment order. If a payment order describes a participating financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification of the financial institution. If a payment order identifies a non-existent or unidentifiable person or account as the receiver or the receiver’s account, Bank may in its sole discretion refuse to accept or may return the payment order.
To sum up all of this information, even organic traffic, like direct traffic, has some gray areas. For the most part, though, organic traffic is driven by SEO. The better you are ranking for competitive keywords, the more organic traffic will result. Websites that consistently create content optimized for search will see a steady increase in organic search traffic and improved positioning in the search results. As a marketer, it is important to look at your keywords and high-ranking pages to identify new SEO opportunities each month.  
If a Transfer request or instruction or payment or payment order identifies a beneficiary, beneficiary’s bank, or intermediary bank inconsistently by name and an identifying number (such as an account number, SWIFT address or universal identification number), the beneficiary bank or intermediary bank may make payment based solely on the identifying number.  In such cases, the payment will be final even if the identifying number you provided does not correspond to the beneficiary you identified.  Any losses resulting from an incorrect identifying number are your responsibility and not Bank’s responsibility.  Your obligation to pay the amount of the Transfer will not be excused by your error.  For Transfers sent in or returned to Bank, Bank is also entitled to rely on the identifying number as proper identification of a beneficiary and to credit the account based solely on that identifying number.  Bank has no duty to determine if the name and identifying number are consistent.

Blogging is something that requires patience, persistence and discipline. It may mean writing everyday for over a year before you really start to see any money from it. There are exceptions to the rule, but from my dealings with other bloggers, it seems to be pretty common to spend one or even two years building your blog, your brand and your authority, before making any serious amount of money.
For my family. I live in New York City, but my grandchildren live in Rochester. Swagbucks helps pay for me to visit them every 3 weeks. I 'm also able to buy them gifts using Amazon gift cards, and help out with diapers and personal care items using CVS gift cards. I even use Target gift cards to help out with grocery shopping. Swagbucks has been a blessing and I can't live without it!
Offering specific online SEO services is also another online freelancer role that businesses are crying out for. If you know how to improve a website’s SEO by doing keyword research, creating content that can rank in search engines, adding metadata/schema to posts and pages, and building backlinks to a domain, to name a few tasks, then this could be a great line of work for you.

One of the things that can slow-bleed the traffic from your site is the quality (or lack thereof) of the content you publish on your site. Previous Google updates like Panda have already been released specifically to deal with the issue of low-quality content on websites. Long story short: Panda intended to stop sites with bad content from appearing in the search results.
9.10.2 Other than (i) nonjudicial foreclosure of security interests in real or personal property, (ii) the appointment of a receiver or (iii) the exercise of other provisional remedies, including the right of setoff (any of which may be initiated pursuant to applicable law), any controversy, dispute or claim (each, a “Claim”) between the parties arising out of or relating to this Access Agreement or any other document, instrument or agreement between Bank and the undersigned, will be resolved by a reference proceeding in California in accordance with the provisions of Section 638 et seq. of the California Code of Civil Procedure (“CCP”), or their successor sections, which shall constitute the exclusive remedy for the resolution of any Claim, including whether the Claim is subject to the reference proceeding. Venue for the reference proceeding will be in the Superior Court or Federal District Court in the County or District as set forth below (the “Court”).
Are you a professional in a field that can help answer questions for people looking for your expertise? Websites like JustAnswer and LivePerson match you up with people looking for answers to technical or professional questions. You can make money online by simply answering these questions and providing the right information to people based on their individualistic circumstances.
Bank has established operating rules and security procedures for accepting payment orders pursuant to this EFT Agreement, including both standard and additional procedures as set forth in Attachment A to this EFT Agreement (collectively, the “Security Procedures”). If Bank receives an EFT request (each, a “payment order”) that is verified 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 transaction or transactions reflected on that EFT request, whether or not it was authorized. You are responsible for the accuracy of the initial communication of the EFT request as well as the accuracy of any documentation or callback of the request made by Bank.
It’s not enough to produce great content and hope that people find it – you have to be proactive. One of the best ways to increase traffic to your website is to use social media channels to promote your content. Twitter is ideal for short, snappy (and tempting) links, whereas Google+ promotion can help your site show up in personalized search results and seems especially effective in B2B niches. If you’re a B2C product company, you might find great traction with image-heavy social sites like Pinterest and Instagram. Here's more advice on making the most of social media marketing.
Hi Brian! I enjoy reading your posts and use as much info as I possibly can. I build and sell storage sheds and cabins. The problem I have is that there are no top bloggers in my market or wikipedia articles with deadlinks that have to do with my market. 95% of my traffic and sales are generated via Facebook paid advertising. Would love to get more organic traffic and would be interested in your thoughts concerning this.
University Bank’s online Cash Management gives corporate decision-makers an important tool to control their cash. This secure, easy-to-use service provides electronic access to account information, plus the ability to communicate with University Bank any time of the day or night and gives our business clients the edge they need to stay ahead of the competition.
Hold a yard sale. If you have a yard or garage and plenty of items to sell, you can have a yard sale as early as tomorrow. By advertising your sale on local Facebook pages and Craigslist, you can also skip the paid newspaper ad and keep all of the profits for yourself. If you don’t have time to price everything, try asking patrons to “make an offer” or grouping similar items on tables with an advertised price (e.g. everything on this table is $5).
All written content on this site is for information purposes only. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

Unless otherwise agreed in writing with you or Bank deems necessary to do so in its sole discretion, Bank will not originate any IAT transactions on your behalf.  If you wish to originate any ACH transaction that will be considered an IAT transaction, the transaction will need to be originated by you through another payment method such as a wire transfer or foreign draft.
Using a food delivery service can’t necessarily earn you money, but it can help you save you money if you constantly find yourself throwing out half the food you buy. Food delivery services send a box of food every week with new, sometimes unique vegetables, meat, fruit, and so on. If you don’t have time to shop and want simple meal-prep that leads to a good meal, a food subscription service may be perfect for you.
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