Common use of Services General Clause in Contracts

Services General. 1. To access the Services via ATB Personal, you must use your Credentials. You may also be required to answer a Security Question or enter a Passcode that is sent to you via email or SMS text. 2. You agree that ATB may act upon any instructions provided to us through ATB Personal when your Credentials have been used to access ATB Personal, whether or not it is you who accessed ATB Personal. You agree that electronic display pages accessed by entering your Credentials constitute written documents and that clicking or otherwise electronically activating "OK", "submit", "continue", "approve", or similar areas of such pages shall have the same legal effect as if you had signed by hand and delivered hard copy versions of such pages to ATB with intent to be legally bound by their contents. You agree that once such instructions are provided, ATB shall have no obligation to reverse them. 3. You agree that neither ATB Personal or the Services will be used for illegal or fraudulent purposes or for purposes which could affect the security or integrity of ATB Personal, the Services or any other ATB systems, hardware or software. 4. ATB reserves the right to deny access to ATB Personal, your Accounts, or some or all of the Services under certain circumstances, including, without limitation: i. if any of your assets are attached or assigned by a legal order; ii. if in the judgment of ATB any activity on any of your Accounts, or your use of ATB Personal, or any one or more of the Services, is for illegal or fraudulent purposes; iii. if in the judgment of ATB access to your Accounts is being performed fraudulently or without your consent; iv. if you are in arrears in any obligation to ATB including loan payments, service charges, etc.; or v. if access to ATB Personal and/or the Services is being used to attempt to obtain unauthorized access to ATB systems, hardware or software. If you request reinstatement of access to an Account, ATB Personal, or any Services, ATB may require that you take certain steps, such as updating security software on your Device, before ATB may permit access. 5. Some Services, functionality, content or information (including, without limitation, notices, legal and privacy terms and statements) available through ATB Personal may not be available through a Mobile Device. 6. Access to ATB Personal through a Device and/or a Mobile Device may not be available from certain locations outside Canada. 7. ATB may, in its discretion and without prior notice, refuse a request for authorization of any transaction and may notify third parties of such refusal as it deems necessary. ATB may refuse to honour any payment and/or funds transfer request if there are insufficient funds in your Account or ATB may create or increase an overdraft to your Account according to the applicable Other Agreements. 8. You agree to pay the fees that may be applicable to your use of the Services. You agree that, if applicable, we may deduct the fees from any account you have with us at the same time as they are incurred.

Services General. 1. To access ATB Online and the Services via ATB PersonalServices, you must use your Credentials. You may also be required to answer a Security Question or enter a Passcode that is sent to you via email or SMS textQuestions. 2. You agree that ATB may accept and act upon any instructions provided to us through ATB Personal Online when your Credentials have been used to access ATB PersonalOnline, whether or not it is you who accessed ATB Personalthe Services. You agree that electronic display pages accessed by entering your Credentials constitute written documents and that clicking or otherwise electronically activating "OK", "submit", "continue", "approve", or similar areas of such pages according to on-screen instructions or otherwise submitting instructions electronically shall have the same legal effect as if you had signed by hand and delivered hard copy versions of such pages to ATB with intent to be legally bound by their contents. You agree that once such instructions are providedclicked or submitted, ATB shall have no obligation to reverse them. 3. You agree that neither ATB Personal or the Services will not be used for illegal or fraudulent purposes or for purposes which could affect the security or integrity of ATB Personal, the Services or any other ATB systems, hardware or software. 4. ATB reserves the right to deny access to ATB Personal, your Accounts, an Account or some or all of the Services Services, or deny access to ATB Online all together, under certain circumstances, including, without limitation: i. if any of your assets are attached or assigned by a legal order; ii. if in the judgment of ATB any activity on any of your Accounts, Accounts or your the use of ATB Personal, or any one or more of the Services, Services is for illegal or fraudulent purposes; iii. if in the judgment of ATB access to your Accounts is being performed fraudulently or without your consent; iv. if you are in arrears in any obligation to ATB including loan payments, service charges, etc.; or v. if access to ATB Personal and/or Online or the Services is being used to attempt to obtain unauthorized access to ATB systems, hardware or software. If you request reinstatement of access to an Account, any Service or ATB Personal, or any ServicesOnline, ATB may require that you take certain steps, such as updating security software on your Device, before ATB it may permit access. 5. Some Services, functionality, content or information (including, without limitation, notices, legal and privacy terms and statements) available through ATB Personal may not be available through a Mobile Device. 6. Access to ATB Personal through a Device and/or a Mobile Device may not be available from certain locations outside Canada. 7. ATB may, in its discretion and without prior notice, refuse a request for authorization of any transaction and may notify third parties of such refusal as it deems necessary. In exercising such discretion, ATB may take into account in calculating the funds available, any funds which ATB may decide have been credited or debited to the Account. ATB may refuse to honour any payment and/or funds transfer request if there are insufficient funds in your Account or ATB may create or increase an overdraft to your Account according to the applicable Other Agreements. 86. You agree to pay the fees that may be applicable to your use of the Services. You agree that, if applicable, we may deduct the fees from any account you have with us at the same time as they are incurred.

Services General. 1. To access the Site and the Services via ATB Personalfor the first time, you must use will be required to create and register your profile on the Site, and select your Credentials. You may will also be required to answer a set-up Security Question or enter a Passcode that is sent to you via email or SMS textQuestions. 2. Registration of your profile on ATB Prosper will enable you to access ATB Investor Connect and the ATB Investor Connect Services using your same Credentials and Security Questions registered on ATB Prosper. 3. You agree that ATB we may accept and act upon any instructions provided to us through ATB Personal the Site when your Credentials have been used to access ATB Personalthe Site, whether or not it is you who accessed ATB Personalthe Services. You agree that electronic display pages accessed by entering your Credentials constitute written documents and that clicking or otherwise electronically activating "OK", "submit", "continue", "approve", or similar areas of such pages according to on-screen instructions or otherwise submitting instructions electronically shall have the same legal effect as if you had signed by hand and delivered hard copy versions of such pages to ATB us with intent to be legally bound by their contents. You agree that once such instructions are providedclicked or submitted, ATB we shall have no obligation to reverse them. 34. You agree that neither ATB Personal or the Services will not be used for illegal or fraudulent purposes or for purposes which could affect the security or integrity of ATB Personal, the Services or any other ATB Financial systems, hardware or software. 45. ATB reserves We reserve the right to deny access to ATB Personal, your Accounts, an Account or some or all of the Services Services, or deny access to the Site all together, under certain circumstances, including, without limitation: i. if any of your assets are attached or assigned by a legal order; ii. if in the our judgment of ATB any activity on any of your Accounts, Accounts or your the use of ATB Personal, or any one or more of the Services, Services is for illegal or fraudulent purposes; iii. if in the our judgment of ATB access to your Accounts is being performed fraudulently or without your consent; iv. if you are in arrears in any obligation to ATB us including loan payments, service charges, etc.; or v. if access to ATB Personal and/or the Site or Services is being used to attempt to obtain unauthorized access to ATB Financial systems, hardware or software. 6. If you request reinstatement of access to an Account, ATB Personalany Service or the Site, or any Services, ATB we may require that you take certain steps, such as updating security software on your Device, before ATB we may permit access. 5. Some Services, functionality, content or information (including, without limitation, notices, legal and privacy terms and statements) available through ATB Personal may not be available through a Mobile Device. 6. Access to ATB Personal through a Device and/or a Mobile Device may not be available from certain locations outside Canada. 7. ATB may, in its discretion and without prior notice, refuse a request for authorization of any transaction and may notify third parties of such refusal as it deems necessary. ATB may refuse No fees will be charged to honour any payment and/or funds transfer request if there are insufficient funds in your Account or ATB may create or increase an overdraft to your Account according to the applicable Other Agreements. 8. You agree to pay the fees that may be applicable to your use of the Services. You agree that, if applicable, we may deduct the fees from any account you have with us at the same time as they are incurred.