Bank, in its sole discretion, shall determine the manner in which Images shall be presented for payment to the drawee bank. Likewise, Bank, in its sole discretion, shall select the clearing agents used to collect and present the Images and Bank’s selection of the clearing agents shall be considered to have been designated by you. Bank shall not be liable for the negligence of any clearing agent. Collection of Items is also subject to the Rules and the terms of the Deposit Agreement and Disclosure.
IBM is a registered trademark of International Business Machines Corp., registered in many jurisdictions worldwide. U.S. Government Users Restricted Rights - Use, duplication or disclosure restricted by GSA ADP Schedule Contract with IBM Corp. IBM Web site pages might contain other proprietary notices and copyright information that should be observed.
This Online Wire Services Agreement (this “Wire Agreement”) governs your use of the Transfer services provided by Bank using its online cash management system (collectively, the “Service” in this Wire Agreement) in association with your Accounts (collectively, the “Account”). By using the Service, you agree to the terms and conditions of this Wire Agreement and all exhibits, schedules, appendices, addenda and other attachments hereto, which are part of this Wire Agreement. In the event of a conflict between the terms of this Wire Agreement and the terms of the Access Agreement, this Wire 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 an Account, and all owners of that Account. The term “Access Agreement” means the Online Cash Management Access Agreement between Bank and you to which this Wire Agreement is attached.
Whether you want to become your own boss, start a side hustle, or earn extra money on the side, any of the strategies listed above can help. By finding ways to increase your income, you can free up more cash to pay down debt, save for the future, or invest for retirement. Saving money is only half of the equation. And if you truly want to get ahead, you might want to figure out how to make money – and hopefully, lots of it.
Unless we and you have specifically agreed to another method to satisfy our ACH reserve requirements (such as permanent holds on an Account or Loan), and you have satisfied your obligations under that other agreement, you must prefund all ACH credit entries. The terms “prefund” or “prefunding” mean that we may debit from your Accounts at the time of submission, the aggregate amount necessary to fund and pay for (a) the credit entries you are then originating, (b) all debit, correcting or reversing entries initiated pursuant to this EFT Agreement have been returned to Bank, (c) our associated fees and charges and (d) all other amounts that are then owing under this EFT Agreement. We will hold all prefund monies we receive in an account that we solely own and control until the applicable settlement date. We reserve the right to withhold a percentage of your ACH debit entries (“ACH Collections”) to allow for return Entries made pursuant to the Rules.
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.
You acknowledge that it is not possible for the Services to be totally free from operator, programming or equipment error and that errors in processing and compiling data may occasionally occur (e.g., due to the failure of others to provide accurate information, telecommunication failures, or a breakdown in an electronic data interchange).  As such, you agree to review and verify all results and to maintain adequate controls for ensuring both the accuracy of data transmissions and the detection of errors.  Unless otherwise required by law, our sole responsibility for any reporting errors caused by us will be to reprocess the information for the period in question and to submit corrected reports at our own expense.  You agree to maintain adequate backup files of the data you submit for a reasonable period of time in order to facilitate any needed reconstruction of your transactions (e.g., in the event of a telecommunication failure).  If we are unable to provide a Service for any reason, we will promptly inform you of the problem and will take reasonable steps to resume processing.
MoneyMe Pty Limited ABN 40 163 691 236 acts as authorised representative of Emerchants Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 as distributor of the MoneyMe Express Visa card. Cuscal Limited ABN 95 087 822 455, AFSL 244116 is the issuer of the product. Any advice is general advice that does not take account of your objectives, financial situation or needs, so you should consider whether the product is suitable for you before acquiring or activating it. The product is available only to Australian resident MoneyMe members.
Thanks for the comment Slava good too see your team is on top of things and happy you liked the post. The website in the case listed was a client who has taken on an agency who was doing lower quality SEO work which was affecting the site such as the huge link network and a strategy which only revolved around mainly head terms. We saw no long tail integration from the old agency's strategy, so we were able to yield great results to begin with. The clients site has 100's of high quality articles which we were able to re optimize and update as noted. Further to this they had a large index of high quality pages to work from. Sure enough the points listed above were key elements to a far wider strategy which could be 100's of points. I just wanted to include some of the biggest wins and easy to implement points.  
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.

The audiobook industry is booming, yet only 5% of books ever get made into audio format. If you’ve got a background in acting, or if people have said you’ve got a voice made for the radio, you can make extra money recording audio versions of independent and popular books. Sites like ACX connect authors with audiobook performers. So, whether you’re an author looking for more ways to sell your book, or an actor/voice actor looking to make some extra income, you can sell your services online.

There are loads of resources for making money online as an affiliate. You could source products from ClickBank, Commission Junction, Rakuten Marketing, Share-a-Sale, Impact Radius and many others. Plus, many of the larger companies have their own affiliate programs as well. Do your due diligence and find the right company with a relevant product or service to your audience that you can sell as an affiliate.

Conventional wisdom dictates that blog posts should be short and snappy, lest you risk alienating online visitors with the attention spans of goldfish. While there may be some truth to that, long-form content is an indispensable part of any blog. Shorter posts will form the bread and butter of your archive, but a dearth of in-depth content may lead readers to wonder whether you have the expertise to talk at length about hot industry topics.
Do you love getting refunds? How cool would it be to get money back on stuff you’ve already bought? Paribus is a service that lets you find out if stores you’ve shopped at online owe you a refund.  It’s free to sign up. Paribus connects to your email account and checks your receipts.  If they find out a retailer has dropped their price they file a price adjustment claim for you.  Try out Paribus.
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.
Have a peek at the backlink profile of your competition that you’re trying to outrank. Each of the top websites they have received links from is an opportunity and should be a target of yours. It might require a comment, a guest post or something else, but explore each link to get more entries to your own backlink profile. Savvy competition might be spying on your backlinks so why not return the favour.

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It’s an excellent opportunity to offer technical training courses that teach people how to learn a much-needed skill, or accomplish an important task. It could also prove to be an important testing ground for your educational courses. If you are able to market your course on the site, against direct competition, you may be able to direct marketing to the general public, using a website, videos, or even an affiliate marketing program.
Creating and selling courses on your blog can be a successful way to make money online. The course itself should be relevant to your blog, and based on a topic that will benefit your audience. Although it may take time to create the course in the first instance, once completed, you can then repeatedly make money from the course each time you sell it.
Any credit Bank gives to you is provisional until Bank receives final settlement and the Entry for which credit was given is deemed to be finally paid as provided in this EFT Agreement, the Rules and all laws, rules and regulations governing any aspect of the Entry, including the laws, rules and regulations of the country to which the Entry was sent.  If Bank does not receive final settlement, it is entitled to a refund from the credited person and you will not be deemed to have completed the transaction to the recipient.

If you’re producing outstanding content and have a high domain authority, low UX can still hold you back significantly. If you’re excelling in domain authority and your UX is excellent, not publishing enough high-quality content will still mean you’re invisible to search engines. Finally (and this is especially common among startups), if your UX is great and you create amazing content, low domain authority will still stop you from exponential growth.
If you haven’t used software like BuzzSumo to check out what your competitors are up to, you’re at a huge disadvantage. These services aggregate the social performance of specific sites and content to provide you with an at-a-glance view of what topics are resonating with readers and, most importantly, making the rounds on social media. Find out what people are reading (and talking about), and emulate that kind of content to bring traffic to your website.
Origination, receipt, return, adjustment, correction, cancellation, amendment and transmission of Entries must be in accordance with the Rules.  You acknowledge that you have had an opportunity to review and agree to comply with and be bound by the Rules.  You acknowledge that, as an ACH participant, you may not initiate entries that violate the laws of the United States and that you are aware that you can be held accountable for sanctions and/ or violations by the U.S. Government and therefore must understand your compliance obligations.  You will be responsible for promptly obtaining all future amendments of the Rules.  When engaging in any transactions through the ACH system, you agree to comply with the Rules, this EFT Agreement and the Access Agreement, as they are amended from time to time.  You can obtain a copy of the NACHA rules by contacting Bank for additional information and paying our then-applicable fee.  You also agree not to initiate any ACH transactions that would violate the laws of the United States including, and not limited to, the Office of Foreign Assets Control (OFAC) and Financial Crimes Enforcement Network (FinCEN) Regulations.
Hi, my name is Dimitrios and I am responsible for Crave Culinaire’s digital marketing. I would like to drive more traffic to Crave’s blog. Since Crave Culinaire is the only catering company who provides molecular cuisine, I thought about craving a blog post about that. The influencers in this niche have great success in utilizing recipes on their blogs. I will share some recipes of Brian Roland, owner and head chef of Crave Culinaire.
Structure your content. Whilst a structured website helps improve UX, a well-organized blog also means search engines can better understand your content, leading to an improved SEO performance. The latest best practices point to utilizing topic clusters, pillar content and internal backlinks in your blog articles. Try creating an editorial calendar to help you map out your content plan and make sure you’re publishing regularly.

Bank will provide you the Service in accordance with this EFT Agreement.  The Service will be performed according to your information provided in Attachment A to this EFT Agreement.  Bank reserves the right to immediately terminate or suspend the Service for breach of the Operating Rules of the NACHA and the local ACH Association in which Bank is a participant (currently, Western Payments Alliance (“WesPay”)) and, with respect to credit entries which constitute payment orders, Article 4A of the Uniform Commercial Code as adopted in the state of California, as both are varied by this EFT Agreement and as both are amended from time to time (collectively, the “Rules”).  Terms not otherwise defined hereunder have the meanings ascribed to them in the Rules.
Recent statistics show that nearly 60% of search queries come from mobile devices rather than desktop queries (source). As a result, Google heavily considers mobile optimization as part of their ranking algorithm. For this reason, it’s critical that your blog has a responsive design so it displays correctly on mobile devices and tablets as well as desktop browsers.
Considering that you have a finite amount of time, passive income should make up a large part of your work. And if you're serious about generating any semblance of income online, then passive income should be one of your sole goals and ambitions. Why? Simply this. Wouldn't you prefer to do the work one time and get paid repeatedly as opposed to relying on your time to generate that income?
If you've developed valuable skill sets or picked up certifications within your industry over the years, offering your consulting services to local business owners can be a lucrative way to make money online. Whether you're an expert marketer, business strategist, or manufacturing aficionado, there's likely a local business owner who's willing to pay you to help them solve an issue with their company. Start with this 18-step checklist to becoming a local business consultant from Karyn Greenstreet and then use my guide to crafting an effective cold email to convince them to hire you.

Merch by Amazon is another service offered by Amazon that will enable you to make money online without any initial outlay. To get started you need to create an account with Merch by Amazon. Then simply design some T-shirt logos or slogans, and upload them to your Merch account. You will need to choose a T-shirt type, color, and price, and Amazon will create product pages for each T-shirt. When someone makes a purchase, Amazon takes care of production and shipping. And you are paid a royalty for your design.

Rent out a parking spot. If you live in a busy or congested area and have parking to spare, you might be able to rent out your parking space for some quick cash when you’re not using it. Simply advertise your open parking space online including details on the location, whether it’s covered or uncovered, and your desired hourly, weekly, or monthly fee. If you want, you can even use a site like Just Park or download the Spot App to reach more potential customers.
My 10-year-old son brought home a book from our park’s free library box. It was a biology textbook – teachers edition. He said it looked interesting and hey, it was free (having no idea you could sell it). I scanned it in my Amazon seller app and realized it was worth around $150. He was so excited. We listed it for sale for $130 and it sold! Going to tell him, he just made $130!
All Transfers executed by Bank are subject to rules and regulations applicable to Transfers, including, without limitation, the Federal Bank Secrecy Act and related regulations as well as regulations administered by FinCEN and OFAC.  In order to comply with applicable laws and regulations, in executing any Transfer, Bank may transmit information regarding you, such as your name, address and account number, as part of the payment process, as well as information regarding the recipient of the Transfer.  By sending Transfers through Bank, you agree that you will assist Bank in complying with the applicable laws and regulations and hold Bank harmless from any liability in connection with Bank’s compliance with the laws or regulations.

This has become a popular business model for online entrepreneurs over the past several years, and will probably just continue to grow in popularity. The best thing about selling online courses is that once you do the up-front work in creating the course and setting up your marketing strategy, you can get paid over and over again for work you do once.

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