To help ensure that your inquiries are handled promptly, courteously and accurately, Bank’s supervisory or management personnel may monitor and/or record telephone conversations and electronic communications between you and Bank without additional prior notification to you or your employees, and you will so advise your employees who communicate with Bank by telephone or electronic means.

To help ensure that your inquiries are handled promptly, courteously and accurately, Bank’s supervisory or management personnel may monitor and/or record telephone conversations and electronic communications between you and Bank without additional prior notification to you or your employees, and you will so advise your employees who communicate with Bank by telephone or electronic means.
Your Cash Management Services access may be canceled at any time without prior notice due to insufficient funds in one of your Accounts. After cancellation, Cash Management Services may be reinstated once sufficient funds are available in your Accounts to cover any fees and other pending transfers or debits. In order to reinstate your Services, you must call River City Bank at (916) 567-2899.

If you have experience with marketing, SEO, or a knack for getting people excited about the products and services you use on a regular basis, think about refining your skills and putting them to work making money online as a small business marketing consultant in your region—especially if you can become a local SEO expert and can help local clients rank higher in their search results.
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.
“Appointment Form” means an Appointment of Agent and System Administrator form (or similar form approved by Bank) executed by you or on your behalf.  If the only appointment of an agent or administrator in effect is pursuant to an agreement superseded by this Access Agreement, then such appointment will remain in effect until superseded by the execution of a new Appointment Form.

Walk around your neighborhood or town and I’m sure you’ll see tons of great local businesses with terrible design. However, with increasingly easy-to-use tools like Adobe Illustrator, Venngage, Stencil, and Visme, just about anyone with a creative mindset and a good amount of motivation can start making money online by being a graphic designer for local companies.
Ever since the idea of online auctions came into existence, the online selling market has been on the rise. Many are interested, but don’t know how to get started. There are still all kinds of ways to make money by selling online, whether you’re selling what you already have or buying and selling like a store. Before we get started, here are a few general tips when selling anything online:
Working as a freelancer is a great way to make money online from the comfort of your own home. The beauty of freelancing is that you can tailor it to suit your needs. You can freelance for a couple of hours a week in the evenings to help save up for a holiday or some much-needed home improvements. Or carve out a full-time job for yourself, giving you a more satisfying work-life balance and enabling you to do the simpler things in life like taking the kids to school. With so many jobs available online, freelancing is becoming more and more popular.

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.
In a very crowded, noisy space – entrepreneurs and small business owners with a ton of “experts and influencers.” How do I get “above the noise?” I have built up a great brand and, I think, some great content based on a boatload of practical, real-life experience. I also have some products and services that I’m trying to sell, but I remain, “all dressed up, with no place to go.” Thoughts?
You grant Bank a security interest in all Accounts to secure your obligations, indebtedness, and liabilities under this Access Agreement and under all your Loans.  Bank may place a hold on some or all funds in those Accounts during such time that Bank reasonably believes it may need to apply those funds to your outstanding or reasonably expected obligations to Bank.
The Google, Yahoo!, and Bing search engines insert advertising on their search results pages. The ads are designed to look similar to the search results, though different enough for readers to distinguish between ads and actual results. This is done with various differences in background, text, link colors, and/or placement on the page. However, the appearance of ads on all major search engines is so similar to genuine search results that a majority of search engine users cannot effectively distinguish between the two.[1]
Please refer to the “Positive Pay Exceptions and Reports” section of your user manual for more information, as that manual and its component parts are updated and renamed from time to time.  If there is a conflict between that manual and the Service actually provided at a given time, then the actually-available features and parameters of the Service will control.  If an Account does not have sufficient available funds to pay a check or an ACH Debit Entry, Bank is not required to pay any checks or ACH Debit Entries presented against that Account.  By using the Service, you agree to all of the limitations, conditions, deadlines, conditions and requirements associated with the Service, as administered and imposed through the bank’s online cash management system.
Cryptocurrency or digital currency is the next big thing in currency trading. It’s a digital asset that is used as a method to pay for things, that isn’t run by a government or institution. Bitcoin is the most well known digital currency and was trading at $200 per Bitcoin back in 2013. Now it is worth over $17k and is expected to be worth well over $1m in 2022.
A spin-off for web designers is to offer a landing page creation service. Well-optimized landing pages can be the difference between a successful and a failing business. And, as creating the perfect landing page isn’t easy, this is a service many businesses are prepared to pay for. I know people who are earning 6 figures per year and all they do is create landing pages for businesses. There’s serious money to be made.
Remember when you used to rely solely on search engines for traffic? Remember when you worked on SEO and lived and died by your placement in Google? Were you #1? Assured success. Well, okay, maybe not assured. Success only came if the keywords were relevant to your site users, but it was the only real roadmap to generating site traffic and revenue.
Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

You must consider mobile optimization to improve the rankings of your SERP’s on the mobile platform. This is especially important moving forward as an increasing number of searches are completed on mobile devices. As Martech reports currently up to 50% of all Google searches are completed on mobile devices. If the competition in your niche doesn’t bother with mobile optimization then you’ll have the advantage.


– Project Payday is one of those sites that has testimonials of people who have earned thousands of dollars by getting paid to get trial offers. I’m not saying you’ll earn thousands, but it is legit and you can earn some extra cash. They assume that by paying you to do a free trial, you’ll either like the product and purchase it, or forget to cancel the trial and get charged for it. If you can keep track and cancel before you get charged (if you don’t want the product), then this is a great site for making some money.
Organic traffic is the primary channel that inbound marketing strives to increase. This traffic is defined as visitors coming from a search engine, such as Google or Bing. This does not include paid search ads, but that doesn’t mean that organic traffic isn’t impacted by paid search or display advertising, either positively or negatively. In general, people trust search engines, and sayings such as “just Google it” reinforce that humans are tied to the search engine. Thus, paid search, display, or even offline campaigns can drive searches, which may increase organic traffic while those campaigns are running.

You may decide to create free videos as extra content for your blog, and not sell them at all. If this is the case then you can still make money from these videos by selling advertising space on them (in the same way as discussed for monetizing podcasts). Once you have high volumes of traffic visiting your blog, and watching your videos, you can charge businesses to advertise at the beginning of your videos. Use website’s like Izea to help you connect with companies willing to pay to advertise on your blog.
Working for a digital marketing agency, I often meet companies that run an active corporate blog at high cost but still struggle to get any significant amount of traffic to their website. “No one reads my blog”, they complain. This situation is hardly a surprise given the common startup content marketing myth that simply writing a few posts that target some selected keywords will put you on track to exponential organic growth. WRONG! This content marketing strategy stopped working about 10 years when content shock set in meaning was more free content being published on the internet than we could possibly consume. Today, for almost any search query or question, we can find the entire first ranking page on Google plastered with pretty much the exact same answers and text. So what’s the solution to breaking through the content shock and making sure your blog gets read?

Many bloggers don’t get time to maintain their blog frequency thus search engine bots also don’t like such blogs much. It is not that tough to maintain blog frequency, just need to be bit organized. But writing post frequently doesn’t mean that you write articles not related to your niche. Always write article related to your niche and take care about keywords.


If the payment account has insufficient funds to cover fees, Bank will deduct the fee from any other checking account linked to Cash Management Services (in any order we may choose).  If the fee cannot be paid, we may cancel your bill pay service.  After cancellation, your bill pay service may be reinstated by contacting River City Bank at (916) 567-2899 once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits.
Bank will process the Entries created therefrom in accordance with its then current processing schedule, provided (i) the information is approved by you and received by Bank no later than the applicable cut-off time on a banking day and (ii) the ACH is open for business on that banking day. If Bank receives approved Entries after the cut-off time, Bank will not be responsible for failure to process the Entries on that day. If any of the requirements of clause (i) or (ii) of this Subsection are not met, Bank will use reasonable efforts to process the Entries and transmit the Entries to the ACH with the next regularly scheduled file create by Bank that is on a banking day on which the ACH is open for business. Except as otherwise herein provided, in the case of an on-us entry, Bank will credit the receiver’s account in the amount of the Entry on the Effective Entry Date.
You and Bank agree that, if a particular account or loan through which Services are accessed or used is a true consumer account or loan (as defined in Regulations E and Z, respectively), then the terms and conditions of account agreements and disclosures applicable to that account or loan will control over conflicting terms and conditions in this Access Agreement. Each non-consumer Account (and its non-consumer Account owners) that is affiliated with a consumer account or loan (by ownership, control or otherwise) must reimburse, indemnify and defend Bank from and against all liabilities, costs and expenses incurred by Bank as a result of use of Services by that consumer.
This Wire Agreement will be governed by all applicable operating circulars of any Federal Reserve Bank which may handle any transaction that is the subject of this Wire Agreement and by all applicable provisions of federal law and regulation.  To the extent allowed by federal law, this Wire Agreement will also be governed by the CHIPS Rules and Administrative Procedures and the applicable rules and procedures for SWIFT and any other funds transfer or advice service or facilitator, and by the laws of any foreign nation having jurisdiction over the Transfer (or any segment thereof, to the extent of that segment only).  To the extent it is not governed by such laws, regulations, rules and other governing documents, this Wire Agreement will be governed by the laws of the state of California.  This Wire Agreement will be binding upon and inure to your benefit and Bank, and our respective successors, assigns and legal representatives.
19. eBay – Of course you can’t read an article about making money online that doesn’t mention eBay. You can start an eBay store and get serious about it or you can just sell some stuff to declutter your home. Either way, I’ve made my fair share from selling on eBay and it’s still a popular way to earn money. If you decide to start an actual eBay store, you’ll want to find a drop-ship business like Doba that will store and ship items straight to your customers so you don’t have to deal with an inventory.
Fraud Awareness Reminder: SunTrust representatives will never send you unsolicited emails requesting your PIN number, password or other security codes. You should be suspicious of unexpected emails that contains links or any telephone call, email, or letter that asks for confidential information.If you have received questionable emails, pop up web pages or scams, please forward the item(s)to emailabuse@suntrust.com. If you are concerned you have responded to a fraud attempt, or downloaded a virus and divulged confidential information, please call 800.SUNTRUST (800.786.8787) immediately.
Unfortunately, this particular client was fairly new, so as a result, their Moz campaign data wasn’t around during the high organic traffic times in 2015. However, if it was, a good place to start would be looking at the search visibility metric (as long as the primary keywords have stayed the same). If this metric has changed drastically over the years, it’s a good indicator that your organic rankings have slipped quite a bit.

You must also capture and transmit to Bank the full-field MICR encoding on each Check.  In accordance with the Procedures, you must ensure that the following information is captured from the MICR line of the check:  (1) Routing Transit Number, (2) Account Number, (3) when encoded, Check Amount, and (4) when encoded, the serial number and the process control field.

No delay or failure on the part of Bank in exercising any of Bank’s rights under this Access Agreement shall constitute a waiver of such rights and no exercise of any remedy hereunder by any party shall constitute a waiver of its right to exercise any other remedy hereunder.  Except for changes made in accordance with this Access Agreement, no deviation, whether intentional or unintentional, will constitute an amendment of this Access Agreement or will constitute a waiver of any right or duty of either party.
Your Cash Management Services access may be canceled at any time without prior notice due to insufficient funds in one of your Accounts. After cancellation, Cash Management Services may be reinstated once sufficient funds are available in your Accounts to cover any fees and other pending transfers or debits. In order to reinstate your Services, you must call River City Bank at (916) 567-2899.

Google claims their users click (organic) search results more often than ads, essentially rebutting the research cited above. A 2012 Google study found that 81% of ad impressions and 66% of ad clicks happen when there is no associated organic search result on the first page.[2] Research has shown that searchers may have a bias against ads, unless the ads are relevant to the searcher's need or intent [3]
Find work. When you first start out, you may have to accept work writing about a topic you don’t find all that interesting. You must keep an open mind and be willing to accept work that may not be in your desired field. However, as you continue to write, you not only learn about more topics, but you also build your reputation. With time, you can be choosier about assignments you want to accept.[19]

In doing so, the hope is that you’ll be able to capitalize on the success of the first article while addressing a more focused issue that the first article doesn’t fully explore. For brands that are looking to stake their claim to a very specific target audience, this is a great way to participate in a larger conversation while connecting current events and trends to your specific product or service offerings.
The first step to digging into organic traffic is to analyze what content on your website is performing best in this area. For obvious reasons, the homepage is almost certainly the landing page for most organic traffic, but the other top pages are often revealing. To view this data, we’re going to head over to the Behaviour section in the Analytics sidebar, then choose Site Content and finally Landing Pages.
If you have experience with marketing, SEO, or a knack for getting people excited about the products and services you use on a regular basis, think about refining your skills and putting them to work making money online as a small business marketing consultant in your region—especially if you can become a local SEO expert and can help local clients rank higher in their search results.
Customer agrees that Security Procedures described in section 6 are the only security procedures that will apply to the processing or verification of Same-Day Entries. Additional Security Procedures that may be in place for other types of ACH entries will not apply. Pursuant to sections 8.5 and 8.6 the Bank can rely solely on the instructions received.
A careful analysis of the existing content will lay the foundation of your content creation process. It will provide you with the information about who your target consumers are and what their exact needs are. You will also learn about what your competitors are offering. Thus, research makes it easier to find a user-centered perception that isn’t shared by your competition.

Take good pictures. Some of the options below don’t require you to actually take the picture and sell the product, but for the ones that do, make sure you take a clear picture that makes your product stand out from the others.  If you’re going to be taking a lot of pictures, set up a small “studio-like” area in your home with a backdrop and proper lighting to really make your pictures come across as professional. And of course, you’ll want a good camera too.

Yep and sometimes it’s just being a little creative. I’ve started a little blog on seo/wordpress just for fun actually… no great content on it like here though… but because the competition is so tough in these niches I decided to take another approach. I created a few WordPress plugins that users can download for free from wordpress.org… and of course these link to my site so this gets me visitors each day.
Yep and sometimes it’s just being a little creative. I’ve started a little blog on seo/wordpress just for fun actually… no great content on it like here though… but because the competition is so tough in these niches I decided to take another approach. I created a few WordPress plugins that users can download for free from wordpress.org… and of course these link to my site so this gets me visitors each day.
The referee shall be required to determine all issues in accordance with existing case law and the statutory laws of the State of California. The rules of evidence applicable to proceedings at law in the State of California will be applicable to the reference proceeding. The referee shall be empowered to enter equitable as well as legal relief, provide all temporary or provisional remedies, enter equitable orders that will be binding on the parties and rule on any motion which would be authorized in a trial, including without limitation motions for summary judgment or summary adjudication. The referee shall issue a decision and pursuant to CCP §644 the referee’s decision shall be entered by the Court as a judgment or an order in the same manner as if the action had been tried by the Court. The final judgment or order or from any appealable decision or order entered by the referee shall be fully appealable as provided by law. The parties reserve the right to findings of fact, conclusions of laws, a written statement of decision, and the right to move for a new trial or a different judgment, which new trial, if granted, is also to be a reference proceeding under this provision.
Scale down on your pop-ups and make them more effective. If new users who don’t know you have to make five clicks just to read an article on your blog, they will probably just get annoyed and leave instantly due to the negative user experience. Set up and test your popups with users in mind so they only show up when people already know who you are and are more likely to convert.
Creating a jobs board website can be another profitable venture. The ‘jobs’ field can be quite saturated, so it is important to find a niche that is still crying out for a jobs board website. Monetize this type of site by charging businesses to list their jobs on your site. Those searching for jobs could also be charged a fee to access the higher paying job adverts.
If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Instash, Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.
Ready to enter the ecommerce fray? Why not sell your own stuff. Of course, along with selling your own stuff on your own website comes a whole slew of both responsibilities and technical configuration and requirements. For starters, you'll need a website and a hosting account. You'll also need a merchant account (sure you can use Stripe or PayPal). Then you'll need to design that site, build a sales funnel, create a lead magnet and do some email marketing.
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