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stored in or on Customer ' s operating systems . Bank is not responsible for any errors or failures resulting from defects in or malfunctions of any software installed on Customer ' s operating systems . (b) Customer acknowledges and agrees that it is Customer' s responsibility to protect itself and to be vigilant against e-mail fraud and other intemet frauds and schemes (including, without limitation , fraud commonly referred to as "phishing") . Customer agrees to educate Customers Authorized Users , agents , and employees as to the risks of such fraud and to train such persons to avoid such risks . Customer acknowledges that Bank will never contact Customer by e-mail in order to ask for or to verify Account numbers , Security Devices , or any sensitive or confidential information . In the event Customer receives an e-mail or other electronic communication that Customer believes , or has reason to believe, is fraudulent, Customer agrees that neither Customer nor its Authorized Users , agents , and employees shall respond to the e- mail , provide any information to the e-mail sender, click on any links in the e-mail , or otherwise comply with any instructions in the e-mail . Customer should forward any suspected fraudulent or suspicious e-mail to phi shin g(o),regions . com or as Bank otherwise may direct . Customer agrees that Bank is not responsible for any losses , injuries , or harm incurred by Customer as a result of any electronic , e-mail , or internet fraud . 6 . Data Recording. To the fullest extent permitted by applicable law, Customer agrees that Bank may (without any obligation) record , retain , and/or monitor any information , data, or communications (including, without limitation , telephone conversations) furnished , exchanged , or made in connection with this Master Agreement or any Services provided hereunder without further notice to any person . All such information , data , and communications recorded , retained, or monitored by Bank shall be and remain the property of Bank . Bank may, in its sole discretion , make such information , data or communications available to Customer upon Customer ' s written request therefor, and Customer agrees to pay Bank for any expenses Bank incurs in making such information , data or communications available to Customer or to any third party at Customer' s request. Customer acknowledges that Customer is responsible for the maintenance and storage of Customer ' s own data and other information created through Customer' s use of the Services . 7 . Prohibited Transactions . Customer agrees to comply with all applicable laws and regulations in connection with Customer' s use of the Services . Customer further agrees to be bound by operating rules and regulations imposed by any processing networks, funds transfer systems , or clearinghouses in which Bank participates and/or which process Service transactions . Customer agrees not to use or attempt to use any Service (a) to overdraw any Customer Account (unless and only to the extent that Customer has overdraft rights or privileges pursuant to an express written agreement with Bank), (b) to exceed any credit limit on any credit Account, (c) to engage in any illegal purpose or activity or to violate any applicable law, rule or regulation , (d) to breach any contract or agreement by which Customer is bound , or (e) to engage in any internet or online gambling transaction , whether or not gambling is legal in any applicable jurisdiction , or (f) to engage in any transaction or activity that is not specifically authorized and permitted by this Master Agreement or the applicable Service Schedule. Customer acknowledges and agrees that Bank has no obligation to monitor Customer' s use of the Services for transactions and activity that is impermissible or prohibited under the terms of this Master Agreement; provided , however, that Bank reserves the right to decline to execute any transaction or activity that Bank believes violates the terms of this Master Agreement. 8 . Information Obtained Through Services . Any Account, transaction , or activity information that is provided to Customer through a Service will include a date and/or time as of when such information is current. Customer acknowledges that such information may not reflect transactions and activity in process and may, therefore, differ from Customer' s own records . The number of records available through any Service, and the period of time during which such records may be available, will be determined by Bank from time to time in its discretion . Bank makes no representation or warranty as to the completeness, accuracy, reliability, or currency of any third parry information or data that Customer obtains through the use of any Services . Customer agrees to promptly and regularly review Account, transaction , and activity information that is made available through applicable Services and to notify Bank immediately of any errors or suspected unauthorized transactions or activity, according to notification procedures prescribed by Bank. Customer agrees not to rely or act upon any data or information obtained through the Services that Customer knows , or has reason to know, is erroneous , incomplete, or not current. 9 . Electronic Records and Signatures . Customer agrees and consents to enter into agreements and to accept Service terms , conditions, and information electronically, and otherwise to transact Service business with Bank electronically, as Bank directs or requires . Customer agrees that Customer' s use of electronic sounds , symbols , or processes required by Bank to establish Customer' s acceptance of or agreement to Service terms , conditions, and/or disclosures constitutes Customer' s electronic signature and signifies Customer' s intent to be bound . To the extent that any Service provides for the use and delivery of electronic records, Customer consents to the receipt of electronic records of Service information , documentation , and data in lieu of a hard or paper copy or version thereof. Customer agrees that Customer shall not alter any electronic information , data, or records furnished by Bank , and Customer agrees that Bank ' s record of any such information , data, or records is the best evidence of the information set forth therein . Bank reserves the right to furnish to Customer, and the right to require Customer to furnish to Bank, writings or paper copies of information , communications , data , or records relating to any Service , in lieu of and/or in addition to electronic records thereof, at any tirne in Bank' s discretion . 10. Customer Information . Customer shall from time to time provide Bank with such financial and other information or documentation as Bank may request for the purpose of determining Customer' s eligibility and/or qualifications for any Service, for the purpose of enabling Bank to provide or deliver the Services, or for the purpose of enabling Bank to comply with applicable laws and regulations (including, without limitation, such information as Bank may require relating to Authorized Users and such information or documentation as Bank may require with respect to Customer' s corporate or organizational authorizations and resolutions ). Customer agrees to provide any information promptly upon Bank ' s request therefor, in the form required by Bank. Customer authorizes Bank to investigate or reinvestigate at any time any information provided by Customer and to request reports on Customer' s financial condition and business affairs from third party reporting agencies from time to time as Bank deems desirable in its discretion . Customer further agrees to execute and deliver such additional documentation as Bank may from time to time require to confirm Customer ' s continuing eligibility for and agreement to the terms and conditions for the use of the Services . Customer agrees that Bank may disclose Customer information to third parties as Bank deems necessary or convenient in order to discharge Bank ' s duties and responsibilities in the delivery of the Services and in the execution of Service transactions and activity, and/or as necessary for Bank to comply with applicable law or regulation . Customer further agrees to permit Bank physical access to Customer ' s facilities from time to time upon Bank ' s request for the purpose of verifying any information provided by Customer in connection with the Services and/or for the purpose of verifying Customer' s compliance with the terms and provisions of this Master Agreement or any applicable Service Schedule.