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Apartments Ust-Katav Komsomolskaia is located in Ust'-Katav. Guests are welcome to enjoy the free WiFi.
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Please read and agree to the Electronic Services Terms and Conditions in order to enroll for and/or access our Electronic Banking solutions.
This E-Signature and Electronic Disclosures Agreement ("E-Sign Agreement") applies to all communications, documents, disclosures and electronic signatures related to the products, services and accounts offered or accessible through this online application process for all applicants, co-applicants and other individuals listed on any application or form including beneficiaries and authorized users, if applicable.
Agreement to Conduct Transactions by Electronic Means: You agree to conduct the transactions offered through this online application process by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a web-based electronic interface or email. You further agree that all transactions completed through this online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online.
Agreement to Receive Disclosures Electronically: You agree to receive all legal and regulatory disclosures and other communications associated with any of the applications or transactions available through this online application process through electronic means including this web-based electronic interface and email.
Availability of Printed Copies: You may obtain printed copies of this disclosure or other related documents by signing into your Online Banking account, downloading the documents and printing them from your computer or by calling customer service and requesting printed copies.
Electronic Services encompasses several services that Isabella Bank offers including Online Banking, eStatements, Mobile/SMS Text Message (Msg) Banking, My Finance, Basic Bill Payment, Person-to-Person Payments, Bank-to-Bank payments, Remote Deposit services and Debit and ATM card services. By enrolling in one or more of Isabella Bank's "Electronic Services" you also agree to abide by the Terms and Conditions (the "Rules") governing your Accounts. Please read these additional Terms and Conditions carefully and retain them for your records. We have the right to change the Terms and Conditions at any time by notice mailed or e-mailed to you at the last address or e-mail address shown for your Eligible Accounts, as defined below, on our records as provided in the Rules, or as otherwise permitted by law.
DEFINITIONS. In the provisions hereof, the terms "you", "I", "me" and "your" refer to the consumer. The term "we", "us" and "our" refer to the Isabella Bank and any agent, independent contractor, designee, or assignee that Isabella Bank may, in its sole discretion, involve in the provisions of electronic services including but not limited to Jack Henry & Associates, Incorporated. The word "Payee" means an individual or business that you designate to receive one or more payments. "Payment Date" means the scheduled date on which a Bill Payment is initiated. "Designated account" means the Isabella Bank checking account out of which funds will be taken to pay bills. This account may not have any transaction restrictions either established by you or under regulatory requirements. "Business days" are Monday through Friday, except bank holidays. "You" and "yours" refer to the person(s) subscribing to or authorized to use Electronic Services. "Eligible Account (s)" means the deposit, loan and other accounts you have at Isabella Bank to which you have access through Online Banking and that does not have transaction restriction, such as a regular certificate of deposit.
CONTACT INFORMATION. At certain times you will be instructed to contact us to resolve an issue or to answer any questions. The following is the contact information to write to us or reach us by phone (weekdays 8:30 am to 4:30 pm Eastern Standard Time EST)).
When you use an ATM not owned and operated by Isabella Bank, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
• Personal Consumer accounts may be charged $0.50 for each Bill Payment initiated during your monthly checking cycle depending on the account type (see your Account Terms and Conditions to see if these fees may be applicable for your account type).
• Non-personal accounts are charged a monthly fee of $4.00 and .44 cents for each payment initiated during your monthly checking cycle.
• Person-to-Person Payments (P2P): Accounts may be charged $1.00 for each P2P payment completed depending on the account type (see your Account Terms and Conditions to see if these fees may be applicable for your account type).
• Bank-to-Bank Transfers (B2B): Accounts may be charged $1.00 for each B2B transfer completed depending on the account type (see your Account Terms and Conditions to see if these fees may be applicable for your account type).
• Mobile Deposit: Accounts may be charged a $1.00 per check deposited depending on the account type (see your Account Terms and Conditions to see if these fees may be applicable for your account type). Deposits in excess of $3,000/3 checks per day or $6,000/6 checks per month may cause a delay in processing.
Isabella Bank reserves the right to change fees for the Services upon notice to you. These fees may be amended from time to time in accordance with the Rules. All other fees applicable to your Accounts remain in effect, for example Stop Payment fees and Overdraft fees etc.
Online Banking is an electronic banking service available to you through a Personal Computer (PC), Mobile Phone or similar device, using the access method specified in Section 1. You may use Online Banking to check the balance in and recent activity of each of your Accounts and to transfer funds between your Eligible Accounts (see Section 4).
The Accounts to which you may have access through Online Banking are your checking accounts, savings accounts, installment loan accounts, mortgage loan accounts, home equity accounts, line of credit accounts, certificate of deposit accounts, and individual retirement accounts on which you are an owner or co-owner. All eligible accounts you open in which you are an owner or co-owner, and opened after enrollment in Online Banking, will be included on your Online Banking account. Certain account types are NOT eligible and some specific accounts may be excluded per your written request.
Section 1. Access Methods: Supported browsers are Microsoft® Internet Explorer, Firefox, Safari for Mac or Google Chrome. Each time a new version of Internet Explorer, Firefox, and Safari is released, the newest version will be supported for our online banking service. We recommend customers update their browser regularly. It is also a best practice to clear your browser history (cookies) when updating your browser. Additionally, a minimum of 128 bit encryption is required. The Internet web site for Online Banking is located at www.isabellabank.com or such other Internet addresses as we may provide. No additional software is required for Internet access. Information is not stored on your PC or Mobile PC or Mobile Phone unless you specifically download it to your PC.
Section 2. Adding, Changing and Removing Accounts: All eligible accounts you open in which you are an owner or co-owner, and opened after enrollment in Online Banking, will be included on your Online Banking account. Certain account types are NOT eligible and some specific accounts may be excluded per your written request. If at any time you wish to change your Eligible Accounts, add an Account, or remove an Account, you must provide us at least ten (10) Business Days advance notice. Please call or write to us using the contact information above.
Section 3. Your Logon ID and Password: You will need a Logon ID and a Password to access Online Banking. Your initial Logon ID will be mailed to you in approximately 3 to 5 business days after your application is received by us. THE PASSWORD REQUIRED FOR THIS INITIAL LOGON WILL BE THE LAST 4 DIGITS OF YOUR SOCIAL SECURITY/TAX ID NUMBER. YOU WILL BE REQUIRED TO CHANGE YOUR PASSWORD AFTER YOUR INITIAL LOGON TO A NEW PASSWORD MEETING THE REQUIREMENTS DISCLOSED ONLINE.You can change your Online Banking Password at any time. You authorize us to follow any instructions entered through Online Banking using your Logon ID and Password.
Because your Logon ID and Password can be used to access funds in some of your linked accounts and to access information about any of your linked accounts, you should treat your Logon ID and Password with the same degree of care and secrecy that you use to protect other sensitive financial data. You agree not to give your Logon ID or Password, or make them available, to any other person. You also agree to notify us immediately upon the loss of your Password or the discovery of the unauthorized use of your Logon ID or Password.
For your protection, your access to Online Banking will be blocked in the event your Logon ID or Password is entered incorrectly on three (3) consecutive access attempts. There are two options for having your account reset; Online Password Reset or contact our Electronic Services Department.
1. Log into your Online Banking account using your Online Banking ID and Password.
2. Click on the Options tab.
3. Verify your email address on file is current and correct.
4. Under Modify Personal Settings, establish a Password reset question and Password reset answer. In the future, when you reset your Password, you will be asked to answer the reset question that you have established. Your answer must match the reset answer you established (case sensitive) in order to reset your Password.
After you have established this information on file, you can utilize the Reset Password link on the login screen of your Online Banking account.
If you have not established the Reset Password service ahead of time, our Deposit Operations Department can assist you. Please call (989) 772-9471 or (800) 651-9111, Monday through Friday, 8:30am - 4:30pm EST. For security reasons, we cannot reset your Online Banking Password using an email request.
Section 4.Transfers: Transfers may be made between Eligible Accounts. To schedule a transfer of funds between Eligible Accounts, you must provide the Eligible Accounts (from and to) which the transfer is to be made and the amount to be transferred. Any attempted transfer that exceeds the available balance in the Eligible Account from which the funds are to be transferred will not be made. After you send the transfer instructions, you will receive a confirmation number. You should record this confirmation number for reference for future questions about this transaction that you may have.
Section 5. Timing of Transfers: Transfers of available funds may be made any day at any time. Transfers may be canceled or modified until the time of processing at 6pm on business days. Transfers made after 6 p.m. Monday through Friday will be processed on the next business day but will show in your available balance.
Section 6. Reviewing Transfers: Online Banking automatically includes records of past transfers as part of your account activity that can be displayed online. You can also download up to four hundred eighty five (485) days of account history, including transfers, to your PC.
Section 7. Balance Inquiries: You may use Online Banking to check the balances and recent activity of your Accounts. Any balance shown by Online Banking will include a date as of which the balance is current. The balance shown by Online Banking may not be your actual available balance. It may include deposits still subject to verification by us. The balance shown may also differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, or charges, or items in process.
Section 8. Statements: All of your transfers made through Online Banking will appear on your monthly Account statement(s) and will be identified by initiation date and amount transferred. Statements are available online for review.
Section 9. Electronic Mail Messages: Because we may transmit information to you electronically, you will need to provide us with an e-mail address. Online Banking also provides you with the ability to send electronic mail messages to communicate information to us via the Contact Us option within Netteller. Please remember that electronic mail messages sent through Online Banking may not be immediately received by us. Email alert messages are sent by regular e-mail and are not protected as your banking transactions are. In addition, once you retrieve electronic mail messages sent through Online Banking, they may not be available for subsequent retrieval in future online banking sessions. If you need to contact us immediately, use the contact information on page 1.
Section 10. Online Banking Fees: There are no monthly fees for the Service. These fees may be amended from time to time in accordance with the Rules. All other fees applicable to your accounts remain in effect; see your Account Terms and Conditions for other fees that may be applicable.
Section 11. Equipment: We are not responsible for any loss, damage or injury resulting from (a) an interruption in your electrical power or telephone service; (b) disconnection of your telephone service by your local telephone company or from deficiencies in your line quality; or (c) any defect or malfunction of your PC, modem or telephone service; or (d) Isabella Bank's Online Banking systems. We are not responsible for any products or services relating to your PC, other than those specified herein. We also are not responsible for any damage to your PC, software, modem, telephone or other property resulting from the use of Online Banking including any damage resulting from a virus.
Section 12. Hours of Operation: Online Banking is available seven (7) days a week, 24 hours a day, except during maintenance periods or periods during which Online Banking otherwise is not operable.
Section 13. Your Rights and Liabilities: Your rights and liabilities regarding losses that occur because your Logon ID or Password is used without your permission, or with respect to errors, are outlined in the section titled Regulation E - Electronic Funds Transfers Disclosure, found below.
You also agree that we may obtain information regarding your Eligible Accounts and disclose information about your Accounts to third parties in order to support Online Banking.
You may terminate your use of Online Banking at any time by: contacting Isabella Bank's Customer Service toll-free at 1-800-651-9111 (outside the Mount Pleasant area) or 989-772-9471 (inside the Mount Pleasant area); in writing at Customer Service, P.O. Box 100, Mount Pleasant, MI 48804-0100. You must notify us at least ten (10) business days prior to the date on which you wish to have your enrollment in Online Banking terminated. We may require that your request be in writing.
We may terminate at any time your access to Online Banking, in whole or in part, for any reason without prior notice. Termination will not affect your liability or obligations for transfers or payments we have processed on your behalf.
Section 14. Limitation of Liability: Except as otherwise provided herein or by law, we are not responsible for any loss, injury, or damage whether direct, indirect, special, or consequential, caused by Online Banking or your use of Online Banking or arising in any way out of the installation, use, or maintenance of Quicken, MS Money or other software.
a. In order to enroll in Bill Payment, you must also be enrolled in Online Banking. Accounts enrolled for Person-to-Person (P2P) payments will automatically be enrolled for Bill Payment. If you prefer not to enroll for P2P and simply choose to enroll for Bill Payment, you may enroll electronically via the Bill Pay tab or complete an application, sign it, and return it to us. By enrolling for P2P or Bill Pay, you acknowledge receipt and acceptance of the Terms and Conditions and agree to be bound by the same. The Terms and Conditions may be amended from time to time by notice mailed or e-mailed to you at the last address or e-mail address shown for your Designated Account. All of the rules applicable to Online Banking are also applicable to Bill Payment, except as otherwise provided below. To access Bill Payment, you must have a qualified checking account with us that you designate. As stated in DEFINITIONS, this account may not have any transaction restrictions. Also, this account must meet our credit criteria. If you wish to change your Designated Account, we request that you provide us with ten (10) business days advance written notice.
b. New Deposit accounts may be subject to a 30 day waiting period before approval when enrolling for our Bank-to-Bank (B2B) service.
Section 2. Access: You should keep your ID and Password for Online Banking in a secure location. Anyone with access to your ID and Password will be able to access Bill Payment and perform all transactions including making transfers or payments to other persons. For this reason, these numbers should not be stored on a computer since other individuals may have access to the computer and be able to make unauthorized transfers or payments. You must notify us immediately if you think your Online Banking ID number or Password has been lost or stolen.
Generally, Bill Payment is available 24 hours a day, 7 days a week, except during maintenance periods. We are not liable under this Agreement for failure to provide access due to a system failure or other unforeseen acts.
Section 3 Setting Up Payments: You may make payments through Bill Payment to any business, merchant, or professional that generates a bill or invoice for products or services provided to you or on your behalf and that has a U.S address and phone number ("Business Payee"). You also may make payments through Bill Payment to individuals, family, or friends for non-business purposes. Payments may be made only to payees with a U.S. payment address.
You must provide sufficient information about each payee ("Payee Information"), and such other information as we may request from time to time, to properly direct a payment to that payee and to permit a Business Payee to identify the correct account ("Payee Account") to credit with your payment. This information may include, among other things, the name and address of the payee and your Business Payee account number. Your Payee Information and any additions, deletions, and changes to Payee Information are entered directly on your PC. Your Payee Information can be retrieved at your convenience. Because there is always a possibility that the Payee Information may be lost or accidentally destroyed, you should keep a copy of your Payee Information somewhere other than your PC, so that you may readily retrieve it.
You may have an unlimited amount of payees. From time to time, we may change the number of payees you may designate to receive payments through Bill Payment. After submitting an online bill payment, you will receive a confirmation number. You should record this confirmation number in your records because it will help us resolve any questions you may have concerning a payment.
Section 4. Scheduling Payments: All payments are made from your Designated Checking Account. To schedule a payment, you must provide the name of your payee, the amount of your payment, and the date or dates on which you want your payment to be initiated. Any attempted payment that exceeds the available balance in your Designated Checking Account may be rejected.
You may not schedule duplicate payments. A duplicate payment is one that is scheduled to be made to the same payee on the same Business Day for the same amount. You may schedule multiple payments to the same payee as long as the payment amounts are different.
Section 5. Payment Processing: Although you can enter payment instructions through Bill Payment seven (7) days a week/24 hours a day (excluding maintenance and other availability windows) payments will be "processed" only on Business Days. Payments are deducted from your designated account once the payment is processed. We may remit your payments by mailing your payee a check or by an electronic payment method. Because of the time it takes to transmit your payment to your payees you should schedule a check payment a minimum of 5 business days in advance of the payment due date. Electronic payments should be scheduled 3 business days prior to the payment due date. You should allow additional time for the first payment you send to a payee through Bill Payment to allow the payee to adjust to the new form of payment. In no case will the Bank be liable for late fees or other damages arising from failure of payments to be made prior to the payment due date of any of your accounts due with any payee.
You can tell how we will make the payment once you have set up the vendor or merchant by looking at the VIEW PAYEES screen. You will see a field that will tell you if the vendor is (e) electronic or (c) check.
Section 6. Insufficient Funds: We may refuse to act on your instructions if sufficient funds (including funds available under any overdraft line of credit) are not available in your designated account on the date you want us to initiate your payment. When a payment is made to an electronic payee, payment will be attempted for a maximum of 5 business day before being cancelled.
When a payment is made by check, this check will process in the same manner as all other checks. Should this item overdraw your account it may be returned NSF to your payee and may be subject to all applicable fees.
Section 7. Timing of Payments: (a) Current Payments: Generally, Online Banking Bill Payment is available 7 days a week, 24 hours a day, except during maintenance periods. We are not liable under this agreement for failure to provide access due to a system failure or unforeseen acts. (b) Future Payments: You may schedule payments up to 18 months in advance of the due date. If you schedule a future payment for a non-Business Day, your payment will be initiated on the previous Business Day. You may cancel or change a future payment at any time prior to the system processing on business days which occurs at 3:00pm EST. (c) Recurring Payments: You may schedule payments that do not vary in amount to initiate automatically on a regular schedule of your choice. Recurring payments can have any date of any year in the future.
If you choose a date at the end of the month that does not exist in a particular month, the payment will be initiated on the last business day of the month. If the scheduled recurring payment falls on a day, which is not a Business Day in a particular month, the payment will be initiated on the prior Business Day.
You may change the amount of the recurring payment or cancel the recurring payment altogether. To affect a payment scheduled for the same Business Day, you must do so before payment processing which is scheduled at 3:00 p.m. EST each business day.
Section 8. Canceling or Changing Payments: You may use Bill Payment to change both the amount and the initiation date of any scheduled payment. A scheduled payment for the same Business Day, including recurring payments, may be canceled, changed, or rescheduled in this manner any time prior to payment processing at 3:00pm EST each business day.
Section 9. Reviewing Payments: Online Banking automatically includes records of past online bill payments as part of your account activity that can be displayed online. You can also download up to 90 days of account history. You can also download up to 485 days of account history.
• Personal Consumer accounts may be charged $0.50 for each Bill Payment initiated during your monthly checking cycle depending on the account type (see your Account Terms and Conditions to see if these fee may be applicable for your account type).
• Non-personal accounts are charged a monthly fee of $4.00 and $0.44 cents for each payment initiated during your monthly checking cycle.
<• Bank-to-Bank Transfers (B2B): Accounts may be charged $1.00 for each B2B transfer completed depending on the account type (see your Account Terms and Conditions to see if these fees may be applicable for your account type).
The Electronic Services Fees may be amended from time to time in accordance with the Rules. All other fees applicable to your Accounts remain in effect, for example Stop Payment fees and Overdraft fees etc.
Section 12. Bill Payment Limits: Online Banking Bill Payments: There is a maximum limit of $99,999.99 per payment, per day for Online Banking Bill Payment.
For P2P Bill Payments, there is a maximum limit of $2,500.00 per payment, per day.
Section 13. Termination of Bill Payment Service: You may terminate your use of Bill Payment at any time by writing or calling us using the contact information on page 1. You must notify us at least ten (10) business days prior to the date on which you wish to terminate Bill Payment. We may require that you put your request in writing. If you have scheduled payments to occur within this ten (10) day period and do not want them to clear your account, you must also separately cancel those payments. If we have not completed processing your termination request and you have not otherwise canceled a payment, you will be responsible for payments initiated before termination. We may terminate your use of Bill Payment in whole or in part, at any time without prior notice, except as otherwise required by law. Termination will not affect your liability for obligations under this Agreement accruing prior to the date of termination.
We may terminate your use of Bill Payment in whole or in part, at any time without prior notice, except as otherwise required by law. Termination will not affect your liability for obligations under this Agreement accruing prior to the date of termination.
Section 1. Scope and Duration: You have elected to receive all available disclosures, notices and other records ("records") from us in electronic form in lieu of a paper copy, until you close the account(s) or until such time the events described in the Changing Your E-Mail Address or Withdrawal Of Consent provisions occur.
Section 2. System/Software Requirements: You must have online banking access to access eStatements/notices. Below are the necessary hardware and software requirements you must have in order to retrieve records electronically. Changes in the hardware or software requirements needed for access to or retention of electronic records will be posted on the Login page within Online Banking or sent via email notification. It is necessary to have the newest version of Adobe Acrobat Reader installed on your PC to view the statement. You may obtain Adobe Acrobat Reader by visiting the Adobe website. It is recommended to have the newest version of Internet Explorer installed on your PC.
Section 3. Confirmation: By electing to have your records provided to you in an electronic form, you agree to confirm your ability to receive these records electronically by following any procedures specified by us, from time to time. When we notify you of any system changes, you must reconfirm your consent according to the instructions provided at the time, or withdraw your consent.
Section 4. Requesting Paper Copies: You may request paper copies of any of the above described disclosures or eStatements for your records. There may be a fee charged for this service. Please contact your local branch representative or the customer service department at the phone number or address listed on page one of the Terms and Conditions.
Section 5. Changing your e-mail address: If you change your e-mail address or other contact information, you must provide us with your new e-mail address or other contact information. The change will not be effective until we receive it and have had a reasonable opportunity to act upon it. If you fail to provide us with this information and electronic records are returned undelivered, we will begin sending your statements via US mail to the most current street address on file. You agree to notify us immediately if you are unable to access any of the information that has been delivered to you by us in an electronic form or manner.
Section 6. Withdrawal of Consent: Any authorized signer, for the account(s) listed on the Electronic Services Enrollment Form, has the right to withdraw at any time the consent to have records provided in electronic form, either using the Withdrawal of Consent document or in any notification approved by us. Your consent withdrawal will not be effective until we receive it and have had a reasonable opportunity to act upon it. There are no fees associated with withdrawal of consent.
Section 7. Images of checks: Images of checks drawn on checking accounts are available through the Netteller transaction listing by clicking on the check number. These images are available for download and/or printing for the current statement cycle ONLY. Images must be archived to your home computer if you wish to retrieve them at a later date.
Section 8. Liability: We shall not be responsible or liable for: consequential or incidental damages for negligent performance by bank of its services, damages arising from unauthorized access to eStatement Services, or any costs associated with updating, modifying or terminating a customer's software or hardware.
Section 9. Acknowledgement: By clicking I agree to these Terms and Conditions, you acknowledge that you have read and understand the above provisions and request and authorize us to provide you with records for the account(s) indicated on your enrollment form.
My Finance is a personal financial management tool that allows you to view your complete spending picture in one place regardless of where the purchase information comes from.
This disclosure has been updated to include information about the "My Finance" feature of Isabella Banks' Online Banking. This service is designed to make managing your online finances easier than ever before. This feature is free and optional to use. This means that the terms and conditions are effective only if you accept them here and then begin using this feature.
Section 1. Introduction Isabella Bank endeavors to provide you with the highest quality Mobile Banking and/or SMS text msg (the "Service") available. By enrolling in the Service, you agree to all the terms and conditions contained in this Agreement and (the Disclosure "Agreement"). We may offer additional Electronic Banking services and features in the future. Any such added Mobile Banking and/or SMS Text Msg services and features will be governed by this Agreement. From time to time, we may amend these terms and modify or cancel the Mobile Banking and/or SMS Text Msg services we offer without notice, except as may be required by Law.
Section 2. Definitions: As used in this Agreement and Mobile Banking and/or SMS Text Msg services, the following words with their meanings: "Account(s)" means your eligible Isabella Bank Checking, Savings, Loans, CDs, Safe Deposit Box information and other Isabella Bank products that can be accessed through Mobile Banking. "Device" means a supportable mobile device including a cellular phone or other mobile device that is web-enabled and allows secure SSL traffic which is also capable of receiving text messages. Your wireless carrier may assess you fees for data or text messaging services. Please consult your wireless plan or provider for details. "Mobile Banking" means the banking services accessible from the Device you have registered with us for Mobile Banking. "SMS Text Messaging" means the banking services accessible from the Device you have registered with us for SMS Text Message Banking. "Bal" means balance in your acct. ""Hist" means transaction history. "Help" means command prompt help. "Stop" means to unenroll the SMS Test Msg access. "You" and "Your(s)," mean each person with authorized access to your Account(s) who applies and uses the Mobile Banking service.
A. Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your Isabella Bank Account information, make payments to payees, transfer funds and conduct other banking transactions. To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then activate your Device within the Online Banking system. We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Service at any time. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. Isabella Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues.
B. SMS Text Message Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. SMS Text Msg Banking allows you to access your Isabella Bank Account Balance information "Bal", and conduct other banking transactions. To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then activate your Device within the Online Banking system. We reserve the right to limit the types and number of accounts eligible. We may also reserve the right to modify the scope of the Service at any time. SMS Text Msg Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. Isabella Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues.
Section 4. Use of Service: In order to properly use Mobile & SMS Text Msg Banking, you should review and follow the instructions provided on our website. You agree to accept responsibility for learning how to use Mobile Banking in accordance with the online instructions and agree that you will contact us directly if you have any problems with Mobile & SMS Text Msg Banking. We may modify the service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the Service or your Device.
Section 5. Other Agreements: You agree that when you use Mobile & SMS Text Msg Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile & SMS Text Msg Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile & SMS Text Msg Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your Mobile and/or SMS Text msg service provider is responsible for its products and services. accordingly, you agree to any problems with your provider directly without involving us. Any deposit account, loan or other banking product accessed through this Service is also subject to the Account Agreements and Disclosures provided at the time of Account opening. You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile & SMS Text Msg Banking.
A. Internal Transfers: You may use the Service to transfer funds between your eligible Isabella Bank accounts ("Internal Transfer"). If you submit your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 6:00 p.m. EST on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day.
B. External Transfers: You may use the Bank-to-Bank (B2B) service to transfer funds to and from your eligible Isabella Bank accounts and to and from your eligible accounts at another Financial Institution. If you submit your transfer request prior to the deadline established by us for the B2B transfer service, requests received after 2:30 p.m. EST on business days, Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day.
You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection. We may process transfers that exceed your available balance at our sole discretion. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted each monthly statement cycle period, as described in the Deposit Account Agreement and Disclosures. You may be subject to fees or account conversion if you exceed the transactions limits of your Account using Mobile Banking or any other methods outlined in your Deposit Account Agreement and Disclosures. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option. Funds from external transfers will be available for withdrawal in accordance with the funds availability policy of the institution(s) holding the account that received the funds. External transfer credits to your Isabella Bank account may be available no later than the business day after we receive finally collected funds – funds are generally finally collected by the third business day after the day of your transfer. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.
Section 7. Your Responsibilities: You represent and agree to the following by enrolling for Mobile Banking and/or SMS Text Msg Banking or by using the Service.
A. Account Ownership/Accurate Information: You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking and/or SMS Text Msg Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking and/or SMS Text Msg Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking and/or SMS Text Msg Banking.
B. User Security: You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking and/or SMS Text Msg Banking. You agree not to leave your Device unattended while logged into Mobile Banking and/or SMS Text Msg Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access Mobile Banking and/or SMS Text Msg Banking you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account. We make no representation that any content or use of Mobile Banking and/or SMS Text Msg Banking is available for use in locations outside of the United States. Accessing Mobile Banking and/or SMS Text Msg Banking from locations outside of the United States is at your own risk.
C. User Conduct: You agree not to use Mobile Banking and/or SMS Text Msg Banking or the content or information delivered through Mobile Banking and/or SMS Text Msg Banking in any way that would: (a) infringe any third-party copyright patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items including, but not limited to, use of Mobile Banking and/or SMS Text Msg Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking and/or SMS Text Msg banking; (i) interfere with or disrupt the use of Mobile Banking and/or SMS Text Msg banking by any other user; or (j) use Mobile Banking and/or SMS Text Msg Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.
D. No Commercial Use or Re-Sale: You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking and/or SMS Text Msg Banking or resell, lease, rent or distribute access to Mobile Banking and/or SMS Text Msg Banking. E. Indemnification: Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Isabella Bank its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking and/or SMS Text Msg Banking.
Mobile Deposit services are designed to allow you to make deposits to your checking, money market checking or savings accounts from your camera-enabled mobile device capable of capturing check images and information and electronically delivering the items and associated deposit information to the Bank or the Bank's designated processor. The device must capture an image of the front and back of each check to be deposited in accordance with the procedures; must read and capture the magnetic ink character recognition ("MICR") line on each check; and must read and capture all such other data and information as is required by this Agreement or Federal Reserve regulations for the processing of these checks for payment.
Section 1. Hardware and Software requirements: You must have a Mobile Device that is acceptable to us and a wireless plan from a compatible mobile wireless provider. You must also use the operating system(s) and software that satisfies all technical specifications and other requirements that we and/or our service provider(s) establish and specify. We and/or our service provider(s) may change these specifications and/or requirements from time to time. The Bank is not responsible for any third party software you may need to use the Services. You agree that you will perform, or cause to be performed by properly trained personnel, all vendor recommended maintenance, repairs, upgrades and replacements. Unless otherwise provided in this Agreement, you are solely responsible, at your own expense, for purchasing, installing, operating, testing and maintaining all hardware and software necessary to use the Service. You must install and test your Mobile Device, your system, and any other required hardware and software before you make your first deposit through the Service. You accept any such software "as is" and subject to the terms and conditions of the software agreement that you enter into directly with the third party software provider at the time of download and installation. We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using the Service, e-mail or the Internet. You agree that all images and files transmitted to us through the Service will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.
Section 2. Deposit Limits: Isabella Bank reserves the right to establish and assign to you deposit limits for the Mobile Deposit Service (including limits on the dollar amount and/or number of checks that you may transmit through the Mobile Deposit Service each day) and to modify such limits from time to time in our sole discretion, and you agree to comply with all such limits. Deposits in excess of $3,000/3 checks per day or $6,000/6 checks per month may cause a delay in processing.
Section 3. Processing Deadline: Isabella Bank has specific processing deadlines. Mobile Deposit Service transactions processed and approved by 5:00 p.m. EST (Monday through Friday) will be processed by us that day. Mobile Deposit Services transactions processed and approved after 5:00 p.m. EST will be processed the next business day. Depending on your deposit activity, per day limits and volumes may be adjusted as necessary.
Section 4. Endorsements and Procedures: You agree to endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY". You agree to follow any and all other procedures and instructions for use of the Mobile Deposit Services as we may establish from time to time. Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your Isabella Bank account, the check must be endorsed by all such payees and you may only use Mobile Deposit to deposit such check into a Bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your account using the Mobile Deposit Services.
Section 5. Check requirements (including image quality): The image of an item transmitted to us using the Mobile Deposit Services must be legible and contain images of the front and back of the check. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the check image: the amount of the check (both written and numeric); the payee; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying financial institution that is preprinted on the Check including the MICR line; and all other information placed on the Check prior to the time of an image of the Check is captured (such as any required identification written on the front of the Check and any endorsements applied to the back of the Check).
Section 6. Rejection of deposits: After we receive Check images and all other required deposit information from you through the Service, we shall provisionally credit your designated account for the total amount of such Checks. The provisional credit is subject to final payment of the Checks and is also subject to your Bank Account Agreement. You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to the Bank for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against the Bank relating to such deposits. The Bank is not liable for any service or late charges that may be imposed against you due to the Bank's rejection of any Check that you transmit for deposit through the Service. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to a Check being returned. You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any Check transmitted through the Service in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection. If we reject a Check for remote deposit, you must physically deposit the original Check.
Section 7. Unpaid checks: Should you fail to produce the original check, you authorize us to deduct that amount from your account You are solely responsible for verifying that Checks that you deposit by using the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because Checks were returned unpaid by the payer financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the Check was timely returned or whether there is any other claim or defense that the Check was improperly returned. You understand and agree, that since the original Check is your property, it will not be returned and the Bank may charge back an image of the Check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original Check or a substitute check. You may not use the Service to deposit a substitute check and you may not deposit the original Check through the Service or in any other manner if you receive a dishonored Check. You agree to comply with any additional instructions we may provide to you in connection with returned Checks.
Section 8. Duty to report errors: We will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access the Bank's Online Banking service for information about your deposits, return items, deposit adjustments, Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate. Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement. You may notify us using the contact information above. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy.
Section 9. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to us, or otherwise comply with the terms or the procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank location. The deposit of original checks at an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.
Section 10. Mobile Deposit Fee: Accounts may be charged a $1.00 per check deposited depending on the account type (see your Account Terms and Conditions to see if these fees may be applicable for your account type). Deposits in excess of $3,000/3 checks per day or $6,000/6 checks per month may cause a delay in processing.
Section 11. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two Business Days, at your expense, the requested original Check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after the 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of the original Check, the image will be the sole evidence of the original Check. You agree that you will never represent the original Check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.
Section 12. Presenting checks more than once: Once you have used the Mobile Deposit Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your Bank account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion. This violation may result in immediate termination of the Mobile Deposit Service.
Section 13. Your Authentication method: You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your "Authentication Method"). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Bank Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered "in writing" under all applicable law and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transactions, Checks deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method.
Section 14. Data security: You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately using the contact information above, if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original Checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.
Section 15. Cooperation with Investigations: You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.
The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your ATM Card (hereinafter referred to collectively as "ATM Card") or ATM & Check Card (hereinafter referred to collectively as "Debit Card") at automated teller machines (ATMs) and any networks described below.
DEFINITION OF BUSINESS DAY: Business days are Monday through Friday excluding holidays.
You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
You may make payments on consumer loans, home mortgage loans, and home equity loans that you have with us. Payments made at ATMs (whether by transfer, or in cash, check, draft, or money order) are subject to verification and the posting of such payments to a loan account may be delayed until the funds can be collected.
DEBIT CARD SERVICES: The services available through use of your debit card are described below.
ATM & CHECK CARD SERVICES: You may withdraw cash from your checking account(s), savings account(s), money market account(s), and NOW account(s).
You may use your card at any merchant that accepts MasterCard debit cards for the purchase of goods and services.
Your card may also be used to obtain cash from your designated account at participating financial institutions when authorized under the terms of your Account Agreement.
NETWORK: Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.
ATM FEES: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.
POINT OF SALE TRANSACTIONS: Listed below are the cards you may use to purchase goods and services from merchants that have arranged to accept your cards as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your cards, including any purchase where you receive cash, are referred to as "Point of Sale" transactions and will cause your "designated account" to be debited for the amount of the purchase. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for any Point of Sale transaction. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection. If we do, you agree to pay the overdraft.
ATM & Check Card: checking account.
® ® CURRENCY CONVERSION-MasterCard: If you perform transactions with your card with the MasterCard logo in a currency other than US dollars, MasterCard International Inc. will convert the charge into a US dollar amount. At MasterCard International they use a currency conversion procedure, which is disclosed to institutions that issue MasterCard. Currently the currency conversion rate used by MasterCard International to determine the transaction amount in US dollars for such transactions is generally either a government mandated rate or wholesale rate, determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or the cardholder statement posting date.
IMPORTANT ADDITIONAL FEE NOTICE: You can make transactions in currencies other than US dollars. If you do, MasterCard will convert the amount of the transaction to US dollars. MasterCard uses either (1) a rate MasterCard selects from the range of rates available in wholesale currency markets for the applicable central processing date, or (2) a rate set by a government for the applicable central processing date. The conversion rate may be different from the published rate in effect on the day that you made the transaction or that we posted the transaction to your account.
You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.
PREAUTHORIZED TRANSFER SERVICES: You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), NOW account(s), and Club Account(s). You may arrange for the preauthorized automatic payment of bills from your checking account(s), savings account(s), money market account(s), and NOW account(s).
SERVICES PROVIDED THROUGH USE OF ONLINE BANKING: Isabella Bank offers its customers use of our Online Banking service.
• withdrawals from checking or savings account(s) Transactions by Online Banking done by 6:00 pm weekdays will be processed the same day. All transactions after 6:00 pm will be processed the next business day.
ELECTRONIC CHECK CONVERSION: You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.
a) CASH WITHDRAWAL LIMITATIONS: You may withdraw up to $500.00 through use of ATMs in any one day.
b) POINT OF SALE LIMITATIONS: You may buy up to $500.00 worth of goods or services in any one day through use of our Point of Sale service.
b) POINT OF SALE LIMITATIONS: You may buy up to $2,000.00 worth of goods or services in any one day through use of our Point of Sale service.
OTHER LIMITATIONS: The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.
YOUR OPTION TO LIMIT CASH WITHDRAWALS: In addition to dollar amount limitations for withdrawals using your ATM Card or Check Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or Check Card and/or code to $50.00 per day or some other amount acceptable to us.
LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS: Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transactions from each money market and/or savings type account(s) you have each month for purposes of making a payment to a third party or by use of a telephone or computer.
NOTICE OF RIGHTS AND RESPONSIBILITIES: The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.
• the person or company making the deposit will tell you every time they send us the money.
• you can call us at 989-772-9471 or 800-651-9111 to find out whether or not the deposit has been made.
USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER ("PIN"): In order to assist us in maintaining the security of your account and the terminals, the ATM Card or Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request.
Your ATM Card may only be used with your PIN.
Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Isabella Bank immediately if your ATM Card or Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or Debit Card or to write your PIN on your ATM Card or Debit Card or on any other item kept with your ATM Card or Debit Card. We have the right to refuse a transaction on your account when your ATM Card or Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.
The security of your account depends upon your maintaining possession of your ATM Card or Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN via the telephone or visiting any of our bank lobby locations where PIN generation is available or at any Isabella Bank ATM.
NOTICE OF VARYING AMOUNTS: If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.
OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS: If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.
CONSUMER LIABILITY: Tell us at once if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).
CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING ATM & CHECK CARD: The limitations on your liability for unauthorized transactions described above generally apply to 11 electronic fund transfers. However, different limitations apply to certain transactions involving your card with the MasterCard branded card. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us.
• A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
1. You provide us notice of having made a good faith attempt to seek redress and make an assurance to us of the return to the Participating Merchant of related goods in dispute, where returnable goods are involved.
2. The amount of the transaction is $50.00 or more.
3. Within four (4) calendar days following the transaction, we receive from you during our normal business hours a written or oral request for the reversal. You must verify any oral reversal order, notice and assurance in writing within fourteen (14) calendar days following the oral notification, on a form to be provided by us for that purpose. If written verification is not furnished, we will reinstate the original debits and credits involved in the transaction.
LIABILITY FOR FAILURE TO COMPLETE TRANSACTION: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance: If through no fault of ours, you do not have enough money in your account to make the transfer.
CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS: We reserve the right to impose a fee and to change fees upon notice to you.
Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose.
Advisory Against Illegal Use: You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Please see your cardholder agreement for additional information relating to the use of your Check Card.
Personal Identification Number (PIN): You agree not to reveal your PIN to any person not authorized by you to access your account.


The Pittsburgh Steelers have not had a Comeback Player of the Year winner in over a decade, when former quarterback Tommy Maddox earned the honor in 2002 after he made a semi-triumphant return to the NFL following a stint in the short-lived XFL.
They had a strong candidate to win the award in 2014 with center Maurkice Pouncey earning first-team All-Pro accolades after he missed all but eight snaps of the 2013 season, cut down from behind in a friendly fire accident and suffering a torn ACL.
They have a very strong candidate this year in the form of running back Le'Veon Bell, who missed all but six games last season, two due to suspension to start the year and then all of the second half of the regular season and into the playoffs. He suffered a torn MCL as he continues to rehab from the mid-year injury.
A former second-round pick, Bell exploded into the national spotlight in his second year in 2014 when he earned first-team All-Pro honors in the midst of setting a new franchise record for yards from scrimmage in a single season. He has grown a reputation as being arguably the most complete running back in the NFL, and is still just 24.
Among those who consider him a favorite to earn the Comeback Player of the Year honor is Pro Football Focus, who list him as their most likely candidate in a list of five players, including wide receiver Jordy Nelson, quarterbacks Andrew Luck and Tony Romo, and safety Tyrann Mathieu.
"Although the NFL has morphed into more of a running back-by-committee league in recent years", Ryan Smith writes, "there are still a few backs that can rightfully earn the 'bell cow' label, most notably Le'Veon Bell of the Pittsburgh Steelers".
He writes that Bell has spent 80.8 percent of the time on the field for all possible snaps over the course of his three-year career, which almost sounds low. He compares that number to Adrian Peterson, who is on the field for just under two-thirds of the Vikings' snaps over the life of his career when eligible.
"He is truly a three-down workhorse", he writes, "and one that is a rare breed in today's game". That was evidence by his 83 receptions for 854 yards and three touchdowns during the 2014 season. Many project him to be the next player to rush for and catch 1000 yards each in a single season, a rare feat indeed.
The site gave Bell the highest grade of all running backs last year in spite of the fact that he was limited to only six games, but he did quite a bit in those six games, after all. He rushed for 556 yards on 113 carries with three touchdowns, and also caught 24 passes for 136 yards, the effectiveness of his receiving game being badly hindered by the quarterback play.
"Now healthy and part of one of the most explosive offenses in the league", Smith writes, "there is little reason to doubt that Bell will be a favorite to win Comeback Player of the Year this season". I certainly can't argue against that.


text:
The photo is of Augusta and Frank Henske wedding picture.
Augusta Wilhelmina Louise Rohde (Karl Friedrich, Wilhelm Rohde) was born 20 November 1884 in Gorkow, Kreis Randow, Pommernia, Germany. She died 26 May 1967 in Saginaw, Michigan and was buried in LaPorte Cemetery, Midland County, Michigan.
Augusta married Franz Johann Henske "Frank" son of Fred Hensky and Augusta Fitting, on 2 October 1902 in St. Peter's Evangical Church, Hemlock, Saginaw County, Michigan by Rev. K.F. Mueller. Minna Rohde, Herman Koeppen, Albert Hinske and Anna Wardin were witnesses to the marriage of Augusta (Rohde) and Frank Hinske.
Frank was born 15 October 1879 in Richland Township, Hemlock, Saginaw County, Michigan. He died 16 April 1956 in Merrill, Michigan and was buried in LaPorte Cemetery, Midland County, Michigan.
. Augusta's Confirmation Bible Verse was - John 13, V. 35. Augusta came to the United States of America in 1888 with her parents and siblings from Gorkow, Germany. She came to Richland Township, Hemlock, Michigan in 1890 from Utica, Macomb County, Michigan. She was a member of Zion Lutheran Church, Iva, Michigan. Augusta was a homemaker who loved to bake and cook. She liked to garden, both vegetable and flower, and her favorite flower was the astor.
Frank Henske was a carpenter and mason who worked for the Road Commission. Frank built the forms for the cement-work on bridges. During the depression, Frank and his family traveled around following his job. Frank settled in and built homes and barns throughout the Merrill and Hemlock area. In 2005, three of his barns are still standing. Frank was a very capable man who would do well at anything he set his mind to. After retirement, Frank built swings and outdoor furniture of cedar wood.
Augusta and Frank Henske had the following children:
1. Boy Henske (twin) was born 6 February 1904 Ingersoll Township, Midland County, Michigan . He died 6 February 1904 and was buried LaPorte Cemetery, Midland County, Michigan.
2. Friedrich Karl Herman Henske (twin) was born 6 February 1904 and died 11 September 1981.
3. Martha Ella Bertha Henske was born 13 April 1906 and died 22 December 1989.
4. Bertha Louise Henske was born 3 September 1910 and died 16 July 1995.
5. Hilda Marie Henske
6. Clarence Emil Henske was born 12 June 1920 and died 30 September 2000.
7. Beatrice Mae Henske was born 24 April 1923 and died 24 June 1924.
The photo is of Auguste and Frank Henske's children: 1st row: Clarence Henske; 2nd row: Hilda and Martha Henske; back row: Bertha Henske.
The photo is of Augusta and Frank Henske and their family: standing - left to right: Fred Henske, Augusta (Rohde) and Frank Henske, Martha Henske Lynn, and Hilda Henske Clapp; sitting - left to right: Clarence Henske and Bertha Henske Dietrich.
The photo is of Fred and Gladys Henske's wedding picture.
Fred Henske was born 6 February 1904 in Ingersoll Township, Midland County, Michigan and was christened 28 February 1904 in St. Peter's Evangelical Lutheran Church, Hemlock, Michigan. He died 11 September 1981 in Clare, Clare County, Michigan and was buried in Dale Cemetery, Beaverton, Gladwin County, Michigan.
The photo is of Fred and Gladys Henske.
Fred married Gladys M. Radel on 11 February 1926 in Freeland, Michigan. Gladys was born 26 February 1903 in Charlotte, Michigan. She died 7 February 1986 in Clare Nursing Home and was buried in Dale Cemetery, Beaverton, Gladwin County, Michigan.
The photo is of Martha Henske's confirmation picture.
Martha Ella Bertha Henske was born 13 April 1906 in Ingersoll Township, Midland County, Michigan and was christened 21 April 1906 in St. Peter's Evangelical Lutheran Church, Hemlock, Saginaw County, Michigan. She died 22 December 1989 in Vermontville, Eaton County, Michigan.
The photo is of Martha (Henske) and Dan Lynn's wedding photo.
Martha married Dan Lynn. Dan was born 6 January 1906 and died 1984.
Martha and Dan had the following children:
1. Daniel Lynn
2. Donna Lynn
3. William Lynn
4. Lila Lynn
The photo is of Bertha Henske's confirmation picture.
Bertha Louise Henske was born 3 September 1910 in Ingersol Township, Midland County, Michigan and was christened 18 September 1910 in St. Peter's Evangelical Lutheran Church, Hemlock, Michigan. Her baptism sponsors were August Wardin, Gustav Hoeppner, Bertha Rohde and Luise Saal. Bertha died 16 July 1995 in Merrill, Saginaw County, Michigan and was buried 19 July 1995 in Richland Lutheran Cemetery, Richland Township, Hemlock, Saginaw County, Michigan.
She was also a member of Zion Lutheran Church of Hemlock, Michigan. Bertha also worked at the Merrill Drug Store for many years.
The photo is of Bertha (Henske) and Walter Dietrich's wedding picture.
Bertha married Walter C. Dietrich on 5 November 1933. on 5 November 1933. Walter was born 2 July 1896 in Buena Vista Township, Saginaw County, Michigan. He died 13 April 1960 in Saginaw, Michigan and was buried in Richland Lutheran Cemetery, Richland Township, Hemlock, Michigan.
Bertha and Walter had the following children:
1. James G. Dietrich was born 11 April 1936, Merrill, Jonesfield Township, Saginaw County, Michigan and was christened the same year. He married Caroljean (Carol) Bluemer on 10 May 1958. Jim had been a life-long resident of Merrill, Michigan. He graduated from Merrill High School with the class of 1955. He retired from Saginaw Steering Gear, Saginaw, Michigan afer 34 years of service. Jim engaged in farming in Merrill all of his life. He had been a active member of Iva, Zion Lutheran Church, Hemlock, Michigan. Jim enjoyed bowling, camping and fishing and loved playing cards with his card group. Jim and Carol had three children. Jim died on 20 October 2017 and Carol died 10 April 2020, they are both buried in the Roselawn Memorial Gardens, Saginaw, Saginaw County, Michigan.
2. Duane Carl Dietrich was born 28 December 1940. Duane was a member of the Iva, Zion Lutheran Church, Richland Township, Hemlock, Saginaw County, Michigan. He worked for General Motors Transmission Plant, Saginaw, Michigan. for over 31 years retiring in 1992. He also farmed in the Merrill, Michigan area for many years. He enjoyed and was an avid fisherman and hunter. Duane had two children. Duane died 8 October 2006 and is buried in the Richland Lutheran Cemetery, Hemlock, Saginaw County, Michigan.
3. Eloise Dietrich
Hilda Maria Henske was born 1 June 1917 and was christened 17 June 1917 in St. Peter's Evangelical Lutheran Church, Hemlock, Michigan. Hilda's sponsors of baptism were Wilhelm Rohde, Julius Pretzer Jr., Louise Rohde and Mrs. Albert Hinske.
Hilda died on 3 June 2016 at the age of 99 years old and was a member of Zion Lutheran Church in Hemlock, Michigan for over 80 years. She dearlly loved making quilts for World Relief and faithfully made a quilt for each member of her family. is buried in the LaPorte Cemetery, Midland County, Michigan.
Hilda was a real asset to the Henske genealogy and photos that were collected and researched.
The photo is of Hilda (Henske) and Floyd Clapp's wedding picture.
Hilda married Floyd Maynard Clapp on 7 November 1936. Floyd was born 16 July 1907 in Ohio. He died 8 April 1968 in Merrill, Jonesfield Township, Saginaw County, Michigan and was buried in LaPorte Cemetery, Midland County, Michigan.
Hilda and Floyd had the following children:
1. Franklyn Thomas Clapp was born 31 May 1937, Jonesfield Township, Saginaw County, Michigan and baptized the same year at Iva, Zion Lutheran Church, Hemlock, Michigan. He died 8 January 1941 at St. Mary's Hospital, Saginaw, Michigan of complications due to Menigitis at three years seven months and seven days old. Franklyn is buried in the LaPorte Cemetery, Midland County, Michigan.
2. Patricia Clapp
3. Robert Floyd Clapp was born 7 November 1941 and died 26 December 1992.
4. Delores Clapp (twin)
5. Darlene Clapp (twin)
The photo is of Clarence Henske's confirmation picture.
Clarence Emil Henske "Pete" was born 12 June 1920 and was christianed 27 June 1920 in St. Peter's Evangelical Lutheran Church, Hemlock, Saginaw County, Michigan. He died 30 September 2000 in Lansing, Ingham County, Michigan.
The photo is of Jack (far right) and Myrtle (sitting) Henske's wedding picture.
Pete married Myrtle Arthur.
They had the following children:
1. Beverly Henske
2. Janet Henske
3. Jackie Henske
4. Dale Henske, passed away as a baby due to a heart problem.
5. Carl Henske
This is a photograph of Augusta and Frank's oldest daughter, Martha and their youngest daughter, Beatrice.
Beatrice Mae Henske was born 24 April 1923 in Ingersol Township, Midland County, Michigan. She was christened 13 May 1923 in St. Peter's Evangelical Lutheran Church, Hemlock, Saginaw County, Michigan. She died 24 June 1924 and was buried 25 June 1924 in LaPorte Cemetery, Midland County, Michigan.
Beatrice's sponsors of baptism were Anna Rohde, Anna Tilden and Wilhelm Koeppen. Beatrice died when she was 14 months old.
SOURCES: The Augusta Rohde Henske information and photo's given by Hilda Henske Clapp; researched by Brad and Jackie Rohde; Hemlock St. Peter's Lutheran Church Membership records.

redpajama_set_name: RedPajamaCommonCrawl


text:
Interview: Strify & Kiro of Cinema Bizarre
Posted on 07/29/2009 by Dagmar
I recently talked with Strify, vocalist and Kiro, bassist of Cinema Bizarre before their opening show for the Fame Tour with Lady Gaga. They were in Seattle for the first time and don't hate these guys because they're beautiful – instead love them for their dramatic music and striking stage presence. I haven't seen a band quite like them and I really enjoyed how they bring so many elements along with their great songs – they've got a cool vibe and they are really gripping to watch. Their first US album, BANG!, is set for an August 25th release.
Dagmar: You met in Berlin?
Strify: Not in Berlin, in Koblenz. It was a convention on manga/anime and Japanese culture.
D: So you're really interested in Japanese art?
Kiro: The style, the music was why we were there. We were all people who came there from Europe to this convention and share interests.
Strify: Basically I was always interested in androgyny, people like David Bowie, Adam Ant and Grace Jones, for example. I found out about Visual Kei, a Japanese youth culture – an underground youth culture – which found its origin in the 80s, and because there wasn't any hard rock in Japan at the time, there was one band called X Japan and they really started to dress up. Their look was very Mötley Crüe inspired. I found out about it and really loved the look. It broadened my style, my development of style. It's pretty androgynous.
Kiro & Strify @ the Showbox, 2009
photo by Dagmar
D: Are you interested in horror movies?
Strify: I am not but Kiro really is.
Kiro: I love horror movies. I'm a fan of Twilight – I really loved the movie.
Strify: When it comes to movies I'm a fan of Tim Burton. I love the worlds he creates. I like the fact that he's always working together with the same team – never change a winning team. I am looking forward to his Alice in Wonderland. I'm also a big fan of The Rocky Horror Picture Show – that's one of my favorite movies. I also love A Clockwork Orange. Movies that show a completely different world – and that's what we want also in the band. That's why we called ourselves Cinema Bizarre – we want to create a world, a universe.
D: I think you've done a great job of that.
Strify: We're like the complete opposite of the garage band. A lot of bands are like, we don't want to have an image, which is their image – not to have an image. We want to have a whole package of music, look and everything.
D: What's it like living in Berlin? Did any of you grow up there?
Strify: We moved to Berlin two years ago. We come from different cities. I come from the south of Germany and we've got people coming from the north of Germany. We decided to get together in Berlin. Berlin really has got a cool vibe. There's a lot of musicians and the area we live in has a lot of actors. In Berlin, when there are people doing something which they are famous for, people aren't really interested. It's not like when you come to LA and there are paparazzi everywhere. I really love Berlin. You could describe it as glamorous and trashy. And that's what I like because I would also describe our band as glamorous and trashy.
Strify onstage @ the Showbox, 2009
D: Do you like making your videos?
Strify: Yes, for sure. I would love to shoot even more videos.
D: I saw a video on YouTube of you doing a video shoot and you had a giant bird. Was it heavy?
Strify: It was. But it was such a beautiful animal. I've never seen a hawk so close. It had beautiful feathers and those eyes were so impressive. It's such a proud animal. I wasn't afraid of the animal but I had a lot of respect [for the animal]. It was called Friday.
D: How did you two get involved in music?
Strify: Music has always been a passion. When you have a passion for something so strong you want to get involved in it. I tried choirs but it never worked for me. I really got started when I met the other guys [in Cinema Bizarre].
D: You, did you start learning bass as a teenager?
Kiro: It was, I think five years ago. A good friend [taught me] – she plays bass in a band. I come from a small village in Germany and there were not many musicians I could identify with. She showed me a bit and then I went to a professional teacher.
Kiro onstage @ the Showbox, 2009
D: You mentioned David Bowie, what other bands do you like, for example from the 80s?
Strify: Dead or alive. I love Kim Wilde. I really like the voice of Kim Wilde. Grace Jones. I am also a big Madonna fan. I'm also a big fan of Adam Ant and David Bowie, but that's before the 80s.
D: I noticed Depeche Mode let you sample them (Everything Counts in Escape to the Stars).
Strify: Musically they were a big influence. My father was always listening to Depeche Mode when I was little. When you're small you usually hate your parents' music. Then there's the day you find out that it's good stuff your father listens to. It was Depeche Mode, David Bowie and Queen . . . electronic/Depeche Mode vibe was a big influence on our music.
D: Who came up with the name Cinema Bizarre?
Strify: I found the word Bizarre. People look at us and say, "You're so bizarre, why are you so strange, what is up with you guys?" We wanted to give bizarre a positive background. The Rocky Horror Picture Show is also bizarre – positively bizarre. It's the same for us. But just Bizarre wasn't a good band name. We found out about a new movie category called Bizarre Cinema, which features really strange movies from the 70s. It was quite fitting.
Kiro: It was perfect.
D: How did you get on the tour with Lady Gaga?
Strify: We met in Berlin. She was the opening act for Pussycat Dolls. We wanted to meet her. I have followed her career from the very beginning. She really liked us. We went backstage after her show and I think the first thing she said to us was, "You look like all my ex boyfriends, you're so cute." It was so great. It was such a nice compliment. We met her crew and her dancers. Two days later she called and asked if we wanted to open the show.
Kiro: We couldn't believe it at first.
D: You've traveled all over Europe now?
Strify: France, Russia, Scandinavia, Italy . . . I'm always happy to come back to Paris because it's one of my favorite cities.
Kiro: I like Moscow. I like Russia so much. Moscow is like Berlin only bigger. Saint Petersburg also is a very beautiful city.
Strify: [Saint Petersburg] is impressive. They have so many big buildings. It's the same kind of architecture you can find in Berlin and Moscow. Stalin-inspired architecture.
See more photos of Cinema Bizarre's show here.
Written by: Dagmar on 07/29/2009.
Filed Under Interviews
This entry was tagged posted by dagmar. Bookmark the permalink.


text:
OpenWebStart ist eine kostenlose Anwendung zum Starten und Verwalten von JNLP (Java Network Launch Protocol) basierten Java-Anwendungen. OpenWebStart basiert auf IcedTeaWeb und bietet eine Implementierung des JNLP-Standards, welcher in JSR-56 des Java Community Process (JCP) definiert ist. Das Tool wird von der Karakun AG entwickelt.

Nachdem Oracle Web Start abgekündigt hatte, entstand eine Lücke im Java Ökosystem, da noch immer viele User auf JNLP setzen. Aus diesem Grund wurde 2019 die Weiterentwicklung der im IcedTea existierenden, aber seit einigen Jahren verwaisten Open-Source-Implementierung (IcedTeaWeb) des JNLP-Protokolls gestartet. Dabei wurde es aus dem IcedTea Projekt herausgelöst und als eigenes Github Projekt neu gestartet. OpenWebStart hat im April 2021 die stabile Version 1.3.3 erreicht.

Die Software wird als Freie Software unter der GPL-2.0-Lizenz (mit Ausnahmen) entwickelt und kostenlos unter der Webseite des Tools zur Verfügung gestellt. Die JNLP Funktionalität von OpenWebStart wird innerhalb des IcedTeaWeb-Projektes entwickelt, das von Red Hat der AdoptOpenJDK-Community übergeben wurde und nun von Red Hat und der Karakun AG weiter gepflegt wird.

Funktionen
OpenWebStart bildet die im JSR-56 spezifizierten Funktionalitäten auf Basis von IcedTeaWeb ab. Darüber hinaus enthält OpenWebStart einen JVM-Manager, der die Verwaltung von Java Virtuellen Maschinen (JVM) ermöglicht. Da OpenWebStart hier herstellerunabhängig arbeitet, werden grundsätzlich alle auf OpenJDK basierten JVMs wie etwa AdoptOpenJDK oder Amazon Coretto unterstützt. OpenWebStart kann hierbei beim Start einer JNLP-Anwendung eine passende JVM lokal auswählen oder je nach Benutzer-Konfiguration und -Entscheidung auch eine passende JVM von einem dedizierten Server herunterladen. Hierdurch kann OpenWebStart sogar verwendet werden, ohne dass eine vorhandene Java-Installation auf einem Client-PC benötigt wird.

Weblinks

 JSR-56
 OpenWebStart-Webseite von Karakun AG

Einzelnachweise

Java (Programmiersprache)

redpajama_set_name: RedPajamaWikipedia


text:
Q: How to open a System.Data.SQLClient.SQLConnection with Active Directory Universal Authentication I was using the below code to connect to SQL Azure DB that was using Active Directory Integrated Authentication.
private string GenerateConnectionString(string databaseName, string serverName)
{
    SqlConnectionStringBuilder connBuilder = new SqlConnectionStringBuilder();
    sqlConnectionBuilder.DataSource = string.Format(
        "tcp:{0}.database.windows.net",
        serverName);
    connBuilder.InitialCatalog = databaseName;
    connBuilder.Authentication = SqlAuthenticationMethod.ActiveDirectoryIntegrated;
    connBuilder.ConnectTimeout = 30;
    return connBuilder.ConnectionString;
}

The authentication is changed from Active Directory Integrated Authentication to Active Directory Universal Authentication to support multi-factor authentication.
I see the enumeration
System.Data.SqlClient.SqlAuthenticationMethod doesn't have a value for Active Directory Universal Authentication. Is it possible to still use the System.Data.SqlClient to connect to the DB? If yes, what is
the change I have to do in the code?

A: ActiveDirectoryInteractive authentication method is available since the .NET Framework 4.7.2. Not sure if it is the same as "Universal" or not.

A: As of August 2020, there's a better way to connect to Azure SQL DB's or Azure Synapse DW (SQL pools). By using the MSOLEDBSQL driver (which you may redistribute along with your application), your application can perform interactive/MFA authentication using the normal System.Data.OleDb objects:
using System.Data.OleDb;
...
OleDbConnection con = new OleDbConnection("Provider=MSOLEDBSQL;Data Source=sqlserver.database.windows.net;User ID=user@domain.com;Initial Catalog=database;Authentication=ActiveDirectoryInteractive");

In fact, this is the recommended way of connecting to any Microsoft SQL product programatically, as both SQLOLEDB and SQLNCLI (aka. "SNAC") have been deprecated.

redpajama_set_name: RedPajamaStackExchange