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Small Business Direct Services Agreement 

Direct Services Agreement

Small Business Accounts — Terms & Conditions

This agreement (the “Agreement”) outlines the terms and conditions governing Your use of Direct Services for Small Business (defined below) and Mobile Payment Services for Small Business (defined below). The Financial Institution does not offer Direct Services for Small Business or Mobile Payment Services for Small Business other than in accordance with these terms and conditions. By requesting and using Direct Services for Small Business or Mobile Payment Services for Small Business, You acknowledge Your acceptance of these terms and conditions.

In consideration of the Financial Institution providing access to any of Your Accounts using Direct Services for Small Business or Mobile Payment Services for Small Business, You agree as follows:

Direct Services Agreement

Payroll Solution Schedule — Special Terms ("Payroll Solution Special Terms")

Schedule 1 — Mandatory provisions for payroll solution (“Payroll Solution Mandatory Provisions”)