General Terms

This Lucky Technology Corporation Terms of Use Agreement ("Agreement") governs any access to interaction with or use of the websites, pages that are associated or within each website and all devices, mobile applications and/or technology platform (collectively "Sites") offered, operated or made available by Lucky Technology Corporation , its subsidiaries and/or affiliates ("Lucky Technology Corporation, "we", or "us"), together with Lucky Technology Corporation's banking and other services (collectively, the "Service(s)").

If the Services that you are using involves the collection, analysis, and processing of your data including your financial data, this Agreement governs your consent for Lucky Technology Corporation to collect and use such data. Other aspects of the Services may be covered by other terms, conditions and agreements with Lucky Technology Corporation, including but not limited to agreements with Lucky Technology Corporation's financial institution partners ("Bank"), such as a deposit account agreement.

By accepting electronically (for example, clicking "I Agree"), installing, accessing or using the Services, you agree to be bound by the terms and conditions of this Agreement and Lucky Technology Corporation's Privacy and Security Policy ("Privacy Policy"), as they may be amended from time to time in the future (see "Modifications" below). If you do not agree to this Agreement, then you may not use the Services.

1. Accepting the Terms

By using the information, tools, features, software and functionality including content, updates and new releases provided by Lucky Technology Corporation, you agree to be bound by this Agreement, whether you are a "Visitor" (which means that you are simply browsing the Lucky Technology Corporation website), "Applicant" (which means you have started an application to open an Account (defined below)) or a "Customer" (which means that you have completed an application with Lucky Technology Corporation for an Account and said Account is open and active). "Account" means a deposit demand account held by Bank and accessed through Service. The term "you", "You", or "User" refers to all types of people and entities interacting with the Services, including Visitor, Applicant, and Customer. You may not use the Lucky Technology Corporation Services and you may not accept this Agreement if you are not at least 18 years of age and, in any event, of a legal age to form a binding contract with Lucky Technology Corporation.

If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

2. Privacy and your Personal Information

You can view the Privacy Policy on the Sites for the Services. You agree to the applicable Privacy Policy, and any changes published by Lucky Technology Corporation. You agree that Lucky Technology Corporation may use and maintain your data according to the Privacy Policy, as part of the Services. You give Lucky Technology Corporation permission to combine information you enter or upload for the Services with that of other users of the Services and/or other Lucky Technology Corporation services. For example, this means that Lucky Technology Corporation may use your and other users' non-identifiable, aggregated data to improve the Services or to design promotions. Lucky Technology Corporation may access or store personal information in multiple countries, including countries outside of your own country to the extent permitted by applicable law.

3. Electronic Communication

You agree to the applicable Lucky Technology Corporation E-Sign and Electronic Communications Agreement and any changes published by Lucky Technology Corporation.

4. Online Banking Services and Deposit Account

This Section establishes the terms of any Customer that registers for an Account and said Account is opened.

Banking services associated with our services provided by Piermont Bank, Member FDIC. Your transactions will be processed through an FBO account we hold at Piermont Bank for the benefit of our customers or users. We will provide you a monthly summary statement that describes your transactions. Your deposit balances held at Piermont Bank are insured by the Federal Deposit Insurance Corporation (FDIC) for up to the legal limit (currently $250,000 for each category of legal ownership).

1. *Account Opening Information.**Federal law requires the Bank to obtain sufficient information to verify the identity of an Applicant and certain beneficial owners of Applicant if Applicant is a legal entity, such as a corporation, partnership, limited liability company, limited partnership, or limited liability partnership. Applicant may be asked several questions and to provide one or more forms of identification to fulfill these requirements. In some instances we may use outside sources to confirm the information. Certain information Applicant provides is protected by our privacy policy, the Bank's privacy policy and federal law. We provide said information to Bank and other third-party service providers we consider appropriate to determine eligibility for the Services, fraud prevention, and to verify your identity. We may make inquiries into your previous banking or credit relationships. We rely on the accuracy of the information that Applicant provides when opening and maintaining its Account. We may use any information to deny Applicant's applications, suspend provision of the Services to approved Customers, collect or close Customer's Account if Customer's information is out of date, incomplete, or inaccurate. Upon an Applicant being approved to open an Account, Lucky Technology Corporation will provide access to the Account software, may issue Customer a debit card ("Card"), and will give access to the Online Banking Services (described below).
2. *Online Banking.**Customer will receive certain banking, transfer, and electronic payment functions via the Lucky Technology Corporation website and/or mobile application ("Online Banking Service(s)"). With prior notice, Lucky Technology Corporation may add or eliminate Online Banking Services or otherwise modify the terms or features of any Online Banking Service. Accessing your Account through your username and password acts as your signature to authorize any requested transactions through the Online Banking Services. The Online Banking Services may include, among other Services: obtaining account balances; obtaining transaction information; obtaining statements; transferring funds via the automated clearing house (ACH) payment system; and depositing a check by taking a photo ("Mobile Check Deposit").
3. *Account Management & Security.**Applicant must specify at least one Administrator to manage its Account when submitting its Application. "Administrator" means an authorized representative who is an authorized signer on an Account and is designated by Customer to have responsibility for the initial enrollment in the Online Banking Services and your business' on-going use of the Online Banking Services, including the designation of a Secondary Admin. "Secondary Admin" means an authorized representative appointed and set-up by the Administrator using the Deposit Account. Administrators can add, remove, or manage Secondary Admins; request and manage Cards for Secondary Admins; view transactions and run reports; provide or update company information; connect third-party services, and other accounts to your Account; and perform other tasks to manage your Account. Customer is responsible for any actions or failure to act on the part of Administrators or Secondary Admins, or those using their credentials to access Customer's Account. Customer is solely responsible for the activity that occurs on its Account and must keep its Account username and password secure. We encourage Customer to use "strong" passwords (for recommendations on what constitutes a strong password, check NIST SP 800-63B) with its Account. To access Online Banking Services, Lucky Technology Corporation requires that Customer uses a web browser with 128-bit encryption. Regardless of whether Customer uses a web browser with security features, Lucky Technology Corporation is unable to ensure that the data transmitted by Customer to Lucky Technology Corporation, or from Lucky Technology Corporation to Customer, will not be intercepted by third parties. Customer will not disclose its username(s), password(s), or any PIN(s) or other identity tools to any other person than an authorized representative. Customer should supply personally identifiable information only through the Lucky Technology Corporation mobile application. Customer must notify Lucky Technology Corporation immediately of any breach of security or unauthorized use of its Account. Lucky Technology Corporation will not be liable for any losses caused by any unauthorized use of Customer's Account. We may suspend access to Customer's Account if we believe that the Account has been compromised. You agree that the above constitutes a commercially reasonable security procedure for you. Customer represents and warrants that the Service(s) requested by Customer hereunder and pursuant to any agreement incorporated hereunder will be used by Customer solely for business or commercial purposes and not for personal, family, or household purposes.
4. *Fees.**Customer will receive a separate schedule of charges, rates, qualifying balances, and fees if they are not included in this Agreement. Customer agrees to pay any such charges and authorizes us to deduct these charges, without notice to Customer, directly from the Account balance as accrued. Customer will pay any additional reasonable charges for services it requests which are not covered by this Agreement.
5. *Transaction Limits.**Each transfer of funds to or from an Account via a Online Banking Service is referred to as a "Transaction." In connection with the provision of the Online Banking Services to Customer hereunder, if you request a Transaction, we are not obligated to process it. Lucky Technology Corporation may impose limits on the dollar amount and/or frequency of any Transaction you request using a Online Banking Service, including, without limitation, electronic payments, such as payments made with the online bill payment service, deposits, such as deposits made with the Mobile Check Deposit, transfers to an account outside of the Bank, and any other Transaction, and Lucky Technology Corporation may change those limits from time to time. Except as otherwise specified in this Agreement, we will notify Customer in advance of any such Transaction limits and any subsequent change to such Transaction limits. Information regarding current limits specifically applicable to your Account(s) is available within the Online Banking Service. If you submit a request for a Transaction through an Online Banking Service that exceeds applicable limits, Lucky Technology Corporation may, but is not obligated to, process the Transaction. In the event that providing Online Banking Services to you results in unacceptable credit exposure or other risk to the Bank or Lucky Technology Corporation, or will cause the Bank or Lucky Technology Corporation to violate any law, regulation, rule or order to which either is subject, we may, without prior notice, limit your Transaction frequency or dollar amount or refuse to execute Transactions, or Lucky Technology Corporation may terminate any Online Banking Service then being provided to Customer. Customer shall, upon request by the Bank or Lucky Technology Corporation from time to time, provide the Bank or Lucky Technology Corporation with such financial information and statements and such other documentation as the Bank or Lucky Technology Corporation reasonably determines to be necessary or appropriate to enable the Bank or Lucky Technology Corporation to evaluate its respective exposure or risk. Any internal limits established by Lucky Technology Corporation hereunder or refusal to execute Transactions shall be in Lucky Technology Corporation's sole discretion. Other Account transfer restrictions are described elsewhere in the other agreements incorporated by reference into this Agreement. Transactions through the Online Banking Services, including transfers to your other Account(s), do count against the limited number of transactions on these types of accounts.
6. *Authority to Transfer Funds.**Customer agrees that if there is any requirement to verify two or more signatures on checks or transfers of funds, that requirement does NOT apply to Customer instructions for funds transfers, including online ACH, wire payment transactions or bill pay, using Lucky Technology Corporation online banking services. Customer is responsible to establish the appropriate account controls in accordance with commercially reasonable methods. Customer releases Lucky Technology Corporation and Bank from liability when executing transfers or payments in accordance with Customer's instructions. Where an Account held under different tax identification numbers is included on one business profile, Customer acknowledges that an employee and/or individual Secondary Admin of one business may be given authority by an Administrator to transfer funds or conduct other transactions on accounts of other businesses included in your Customer profile. Customer acknowledges that limitations on such access can only be controlled by the Administrator(s), not the Bank. Lucky Technology Corporation will not be liable to Customer or any other person or business entity for any loss, damage, or expense arising from access to an account by an Administrator or a Secondary Admin, and Customer hereby agrees to indemnify and keep Lucky Technology Corporation and Bank harmless against all actions, claims or demands arising from actions of an Administrator or Secondary Admin.