The password that is used to gain access to Cash Management Services should also be kept confidential.  We strongly recommend that you not disclose it to others, as doing so gives the person or company to whom you have given this sensitive information the power to access and perform transactions on your Accounts or Loans.  In fact, if you make such a disclosure along with other pertinent information about your Accounts or Loans and any Service, neither we, nor you will be able to prevent that person or company from accessing or performing transactions on your Accounts or Loans whether or not you actually authorize or even know about such activity, and the access and transactions so performed will be considered authorized.  You are solely responsible for the confidentiality and use of your assigned User ID and/or passwords (a “Security Code”).  You are solely responsible for all instructions received by us through and under your Security Code.

Bank may periodically audit your technology and other systems, procedures and processes related to your use of or access to Services at any or all of your locations for the purpose of confirming your compliance with the terms of this Access Agreement, applicable laws and any agreements or rules incorporated into or referenced by this Access Agreement.  All information provided to Bank or obtained by Bank in connection with such audits is subject to the confidentiality provisions of Section 9.7 (Confidential Information and Proprietary Right in Data).  Bank may require you to implement internal controls as a condition to continuing to access or use Services.  You are solely responsible for determining whether such internal controls and continued use of Services are appropriate for your business and for complying with law.  You agree to cooperate with such audits, implement internal controls required by Bank and to promptly provide the information and access requested by Bank.
Robo-advisors are diversified investment accounts that are automatically managed by a computer algorithm (as opposed to a human money manager). If you want to invest, but don’t have the money, or don’t want to invest with a money manager, robo-advisors are for you! Robo-advisors make investing easier—and cheaper—so they’re perfect for new investors.
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