We reserve the right to supplement and change the charges, fees or other terms of this Access Agreement (including Schedules and attachments hereto) and related documents upon providing notice to you, by email or by an online posting on our Cash Management Services website.  However, when increases are made to any fees or charges, we will notify you online, or send a notice to you at the address shown on our records, or send you an electronic mail message (email).  The notice will be posted or sent in advance of the effective date of any additional fees for Services or of any stricter limits on the type, amount or frequency of transactions, unless (a) an immediate change is necessary to maintain the security of the system, (b) the changes do not have a material effect on your use of Services or (c) we are adding a new schedule or exhibit to the Agreement for which prior notice is not otherwise required.  If a change requiring disclosure is made but it cannot be disclosed in advance without jeopardizing the security of the system in our judgment, then we will provide you with electronic or written notice within 30 days after the change.  As always, you may choose to accept or decline changes by continuing or discontinuing the Accounts or Services to which these changes relate.  Changes to fees applicable to specific Accounts are governed by the applicable Deposit Agreement and Disclosure.
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.

Secure (https) to non-secure sites (http): Since Google began emphasizing the importance of having a secure site, more websites are securely hosted, as indicated by the “https” in their URLs. Per the security protocol, however, any traffic going from a secure site to a non-secure site will not pass referral information. For this issue, you can correct by updating your site to be secure through a third-party SSL certificate.
Next, you need to optimize your website and blog: Now that we have a few keywords listed (put this in an excel spreadsheet) you should focus on optimizing your blog in order to succeed with organic growth. Use the list of your keywords when writing your posts. You want to utilize the keywords in the most natural way possible so that you are not penalized by Google for keyword stuffing.
Don’t try to trick readers. Avoid misleading, overly-catchy headlines, sensationalized descriptions, and any other deceptive techniques. Although these tactics may work to generate clicks, readers will leave your website as soon as they realize they’ve been duped. Not only does clickbait lead to high bounce rates, but it also leads to mistrust from your audience.

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.


In agreeing to utilize the Same-Day ACH service, the Customer represents and warrants that it has established and maintains physical and electronic security controls to protect against fraud perpetrated by means of physical or electronic intrusion, insider complicity and by means of impersonation of Customer’s Authorized Agents and other personnel. If Bank receives any Same-Day transaction request purporting to be made on behalf of the Customer and which request was able to be sent to the Bank due to any failure or deficiency in Customer Systems, the bank will have no liability to Customer for honoring such transaction request and customer must indemnify the Bank from any and all losses arising from Bank’s acting on that transaction request.
Sending secure messages through the River City Bank Secure Message Center is a way to communicate with Bank.  Secure messaging is provided for you to ask questions about your Accounts or Loans and provide general feedback and is accessible by logging into the River City Bank Secure Message Center found on www.rivercitybank.com.  To ensure the security of your Account and Loan information, we recommend that you use secure messaging when asking specific questions about your Accounts or Loans.  You cannot use the Secure Message Center to initiate transactions on your Accounts or Loans.  For banking transactions, please use the appropriate functions within the cash management system or call (916) 567-2899.
Next, you need to set up and build your YouTube channel. Your YouTube channel is your homebase for all your content. If you already have a Google account for Gmail or Google Drive, then you can use that to log-in to YouTube and start setting up your channel. Pick a username that works for you and is memorable (if you’re using an existing Google account you’ll have to edit your username in Google+).
Write and publish an eBook. You don’t need a traditional publisher and financial backing to publish your own book anymore. In fact, Amazon.com makes it possible for you to publish your own eBook and sell it independently – with no financial investment on your part. And with Kindle eBook publishing, your book will appear on Kindle stores worldwide within 24-48 hours. Just be prepared to market it yourself on social media, your blog, or elsewhere if you expect to generate sales.

Subject to the terms and conditions of this Remote Deposit Agreement, Bank shall provide the Service to you, which allows you to make deposits to the Accounts listed in Attachment B to the Access Agreement from your office by scanning checks on a desktop scanner. The scanner will capture an image of the front and back of the check and will read and capture the MICR line of the check. After capture of the image and data, you will transmit a file, via the Internet, to Bank or Bank’s designated processor (“Processor”) and Bank will provisionally credit (as defined in the “Provisional Credit and Availability of Funds” section below) your Account for the amount of the deposit and enter the images of the checks or the paperless debit entries into the collection process in accordance with the provisions of the Deposit Agreement and Disclosure and this Remote Deposit Agreement. You acknowledge and agree that Bank may discontinue this Service, or any related content, features, products or services, or the terms thereof, at any time without notice or liability to you or any third party.


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.

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.
Generating Organic Traffic is far from easy seeing you have to consistently update your blog with new and unique content. The less you update your blog the less your article pushes up in Google’s index. I would also suggest your Domain Name has a targeted keywords in it! So if someone is searching a set of keywords that are not only a topic title on your site but also a part of the domain name you have a really good chance of being displayed in Google’s Top Ten.
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.
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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