Common use of Bill Pay Services Clause in Contracts

Bill Pay Services. During the Term of this Agreement, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link or through a mobile device or smartphone through a software application that we may make available to you in our sole discretion. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 p.m. Central Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requests, if you designate a payment date of the 28th through the 31st of a month, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in it. Then it will be scheduled to arrive on the first day of the following month. Recurring payments will be processed to be received on the payment dates you have designated, unless such payment date falls on a non-business day resulting in your payment being processed to arrive on the next business day. Based on the location and manner in which payment is to be sent, you must initiate your bill payment requests a reasonable amount of time prior to the actual due date to provide enough time for your payment to reach the payee prior to the actual due date. Such reasonable time shall not be less than (a) five (5) business days for each paper bill payment (recurring or variable) or (b) three

Bill Pay Services. During the Term of this Agreement, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link on the left side of the screen or through a mobile device or smartphone through a software application that we may make available to you in our sole discretion. You will then be directed to the web site of our third party bill payment provider. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 2:00 p.m. Central Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requestsFOR RECURRING PAYMENT REQUESTS, if you designate a payment date of the 28th through the 31st of a monthIF YOU DESIGNATE A PAYMENT DATE OF THE 29TH THROUGH THE 31ST OF A MONTH, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in itTHE PAYMENT WILL ALWAYS BE SCHEDULED TO ARRIVE ON THE CALENDAR DAY YOU SELECTED UNLESS THAT MONTH DOES NOT HAVE THE SAME NUMBER OF DAYS IN IT. Then it will be scheduled to arrive on the first day of the following monthTHEN IT WILL BE SCHEDULED TO ARRIVE ON THE LAST CALENDAR DAY OF THAT MONTH. Recurring payments will be processed to be received on the payment dates you have designated, unless such payment date falls on a non-business day Business Day resulting in your payment being processed to arrive on the next business dayNEXT Business Day. Based on the location and manner in which BASED ON THE LOCATION AND MANNER IN WHICH PAYMENT IS TO BE SENT, YOU MUST INITIATE YOUR BILL PAYMENT REQUESTS A REASONABLE AMOUNT OF TIME PRIOR TO THE ACTUAL DUE DATE TO PROVIDE ENOUGH TIME FOR YOUR PAYMENT TO REACH THE PAYEE PRIOR TO THE ACTUAL DUE DATE. SUCH REASONABLE TIME SHALL NOT BE LESS THAN (A) FIVE (5) BUSINESS DAYS FOR EACH PAPER BILL PAYMENT (RECURRING OR VARIABLE) OR (B) THREE (3) DAYS FOR EACH ELECTRONIC PAYMENT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE PAYMENTS IN ADVANCE, WHETHER RECURRING OR ONE-TIME PAYMENTS. WE WILL NOT BE RESPONSIBLE FOR LATE PAYMENTS WHEN YOU FAIL TO TIMELY INITIATE PAYMENTS PRIOR TO THE ACTUAL DUE DATE. Due to circumstances beyond our control, some payees take longer to post payments than others. After your first payment is to be senthas posted, you must initiate your bill will have a better understanding of how much time to allow for each payee. You should select a payment requests a reasonable amount of time prior to date that is at least three (3) Business Days before the actual due date to provide enough time for reflected on your payee statement. If your actual due date falls on a non-Business Day you should select a payment to reach the payee prior to date that is at least one Business Day before the actual due date. Such reasonable time shall not Payment dates should be less than prior to any late date or grace period. When you have scheduled a payment, you authorize us to debit your Account and remit funds on your behalf. You certify that your Account is an account from which you are authorized to make payments and any payment you make will be debited from your Account. You also authorize the credit of returned payments from payees using the Bill Pay Service. We will incur no liability if we are unable to complete any payments initiated because of any of the following: (a) five you have not provided us with the correct payment account information, or the correct name, address, phone number, or account information for the payee upon initiation of the payment; (5b) business days circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent us from properly executing the transaction; (c) the payment-processing center is not functioning properly; or (d) the payee does not accept or returns the payment for each paper any reason. You agree to have available and collected funds on deposit in the applicable Account you designate in amounts sufficient to pay for all bill payment requests, as well as, any other payment obligations you have to us. We reserve the right, without liability, to (recurring a) reject or variable) reverse a bill payment request or (b) threesuspend your use of the Bill Payment Services, if you fail to comply with this requirement or any other terms or conditions of this Agreement. If you do not have sufficient funds in the funding Account and we have not exercised our right to reverse or reject a bill payment request, you agree to pay for such payment obligations on demand. You further agree that we, at our sole option, may charge any of your accounts with us to cover such payment obligations. We reserve the right to select the method in which to remit funds through the Bill Pay Service on your behalf to your payee. Any bill payment request can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the Business Day prior to the payment date you designate for the bill to be paid. Additionally, payments cannot be made to any federal or state governmental agency. You must have enough available money or credit in any account from which you instruct us to make a bill payment request. All bill payment requests must be in U.S. Dollars. For security reasons, you are solely responsible for controlling the safekeeping of and access to your online banking account and the Personal Identification information used to authenticate. The bank is not responsible for a bill payment that is not made if you did not properly follow the instructions for making a bill payment. You will be responsible for any bill payment request you make that contains an error or is a duplicate of another bill payment. In using the Bill Pay Service, you understand that we and/or the United States Postal Service may return payments for various reasons, such as, but not limited to, the account number is not valid; the Bill Pay Service is unable to locate the account; or payee account is paid in full. The bank has the right to change this agreement at any time by notice mailed to you at the last known address shown for the account on the Institutions records, by posting notice in locations of the institutions banking centers or as otherwise permitted by law.

Bill Pay Services. During the Term of this Agreement, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link on the left side of the screen or through a mobile device or smartphone through a software application that we may make available to you in our sole discretion. You will then be directed to the web site of our third party bill payment provider. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Member Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cancan not be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 p.m. Central 2:00 a.m. Eastern Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requestsFOR RECURRING PAYMENT REQUESTS, if you designate a payment date of the 28th through the 31st of a monthIF YOU DESIGNATE A PAYMENT DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in itTHE PAYMENT WILL ALW AYS BE SCHEDULED TO ARRIVE ON THE CALENDAR DAY YOU SELECTED UNLESS THAT MONTH DOES NOT HAVE THE SAME NUMBER OF DAYS IN IT. Then it will be scheduled to arrive on the first day of the following monthTHEN IT WILL BE SCHEDULED TO ARRIVE ON THE FIRST DAY OF THE FOLLOWING MONTH. Recurring payments will be processed to be received on the payment dates you have designated, unless such payment date falls on a non-business day Business Day resulting in your payment being processed to arrive on the next business dayNEXT Business Day. Based on BASED ON THE LOCATION AND MANNER IN WHICH PAYMENT IS TO BE SENT, YOU MUST INITIATE YOUR BILL PAYMENT REQUESTS A REASONABLE AMOUNT OF TIME PRIOR TO THE ACTUAL DUE DATE TO PROVIDE ENOUGH TIME FOR YOUR PAYMENT TO REACH THE PAYEE PRIOR TO THE ACTUAL DUE DATE. SUCH REASONABLE TIME SHALL NOT BE LESS THAN (A) FIVE (5) BUSINESS DAYS FOR EACH PAPER BILL PAYMENT (RECURRING OR VARIABLE) OR (B) THREE (3) DAYS FOR EACH ELECTRONIC PAYMENT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE PAYMENTS IN ADVANCE, WHETHER RECURRING OR ONE-TIME PAYMENTS. WE WILL NOT BE RESPONSIBLE FOR LATE PAYMENTS WHEN YOU FAIL TO TIMELY INITIATE PAYMENTS PRIOR TO THE ACTUAL DUE DATE. Due to circumstances beyond our control, some payees take longer to post payments than others. We may send out your first payment up to eight (8) Business Days in advance of the location payment date, and manner in which thus the amount of your check or electronic draft will be deducted from your Connected Account sooner than a payment/payee relationship that has already been established. After your first payment is to be senthas posted, you will have a better understanding of how much time to allow for each payee. You must initiate your bill select a payment requests a reasonable amount of time prior to date that is at least three (3) Business Days before the actual due date to provide enough time for reflected on your payee statement. If your actual due date falls on a non-Business Day you must select a payment to reach the payee prior to date that is at least one Business Day before the actual due date. Such reasonable time shall not Payment dates should be less than prior to any late date or grace period. W hen you have scheduled a payment, you authorize us to debit your Connected Account and remit funds on your behalf. You certify that your Connected Account is an account from which you are authorized to make payments and any payment you make will be debited from your Connected Account. You also authorize the credit of returned payments from payees using the Bill Pay Service. We will incur no liability if we are unable to complete any payments initiated because of any of the following: (a) five (5) business days you have not provided us with the correct payment account information, or the correct name, address, phone number, or account information for each paper bill payment (recurring or variable) or (b) threethe payee upon initiation of the payment;

Bill Pay Services. During the Term of this AgreementTerm, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link on the left side of the screen or through a mobile device or smartphone an Access Device through a software application that we may make available to you in our sole discretion. You will then be directed to the web site of our third party bill payment provider. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s 's web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s 's statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 p.m. 2:30 a.m. Central Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requestsFOR RECURRING PAYMENT REQUESTS, if you designate a payment date of the 28th through the 31st of a monthIF YOU DESIGNATE A PAYMENT DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in itTHE PAYMENT WILL ALWAYS BE SCHEDULED TO ARRIVE ON THE CALENDAR DAY YOU SELECTED UNLESS THAT MONTH DOES NOT HAVE THE SAME NUMBER OF DAYS IN IT. Then it will be scheduled to arrive on the first day of the following monthTHEN IT WILL BE SCHEDULED TO ARRIVE ON THE FIRST DAY OF THE FOLLOWING MONTH. Recurring payments will be processed to be received and applied on the payment dates you have designated, unless such payment date falls on a non-business day Business Day resulting in your payment being processed to arrive on the next business dayNEXT Business Day. Based on the location and manner in which payment is to be sentBASED ON THE LOCATION AND MANNER IN WHICH PAYMENT IS TO BE SENT, you must initiate your bill payment requests a reasonable amount of time prior to the actual due date to provide enough time for your payment to reach the payee prior to the actual due dateYOU MUST INITIATE YOUR BILL PAYMENT REQUESTS A REASONABLE AMOUNT OF TIME PRIOR TO THE ACTUAL DUE DATE TO PROVIDE ENOUGH TIME FOR YOUR PAYMENT TO REACH THE PAYEE PRIOR TO THE ACTUAL DUE DATE. Such reasonable time shall not be less than SUCH REASONABLE TIME SHALL NOT BE LESS THAN (aA) five FIVE (5) business days for each paper bill BUSINESS DAYS FOR EACH PAPER BILL PAYMENT (RECURRING OR VARIABLE) OR (B) THREE (3) DAYS FOR EACH ELECTRONIC PAYMENT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE PAYMENTS IN ADVANCE, WHETHER RECURRING OR ONE-TIME PAYMENTS. WE WILL NOT BE RESPONSIBLE FOR LATE PAYMENTS WHEN YOU FAIL TO TIMELY INITIATE PAYMENTS PRIOR TO THE ACTUAL DUE DATE. Due to circumstances beyond our control, some payees take longer to post payments than others. We may send out your first payment (recurring or variable) or (b) threeup to eight

Bill Pay Services. During the Term of this Agreement, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You Consumers may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link on the left side of the screen or we may allow access through a mobile device or smartphone through a software application that we may make available to you in our sole discretion. Business customers may log in via a link on our website at xxx.xxxxxxxxxx.xxx or through a link within online banking by clicking on the Business Bill Payment link on the left side of the screen. You will then be directed to the web site of our third party bill payment provider. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cancan not be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 p.m. Central Pacific Standard Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requestsFOR RECURRING PAYMENT REQUESTS, if you designate a payment date of the 28th through the 31st of a monthIF YOU DESIGNATE A PAYMENT DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in itTHE PAYMENT WILL ALWAYS BE SCHEDULED TO ARRIVE ON THE CALENDAR DAY YOU SELECTED UNLESS THAT MONTH DOES NOT HAVE THE SAME NUMBER OF DAYS IN IT. Then it will be scheduled to arrive on the first day of the following monthTHEN IT WILL BE SCHEDULED TO ARRIVE ON THE FIRST DAY OF THE FOLLOWING MONTH. Recurring payments will be processed to be received on the payment dates you have designated, unless such payment date falls on a non-business day Business Day resulting in your payment being processed to arrive on the next business dayNEXT Business Day. Based on the location and manner in which payment is to be sentBASED ON THE LOCATION AND MANNER IN WHICH PAYMENT IS TO BE SENT, you must initiate your bill payment requests a reasonable amount of time prior to the actual due date to provide enough time for your payment to reach the payee prior to the actual due dateYOU MUST INITIATE YOUR BILL PAYMENT REQUESTS A REASONABLE AMOUNT OF TIME PRIOR TO THE ACTUAL DUE DATE TO PROVIDE ENOUGH TIME FOR YOUR PAYMENT TO REACH THE PAYEE PRIOR TO THE ACTUAL DUE DATE. Such reasonable time shall not be less than (a) five (5) business days for each paper bill payment (recurring or variable) or (b) threeSUCH REASONABLE TIME SHALL NOT BE LESS THAN

Bill Pay Services. During A. Using the Term Service By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through Guaranty Bank Online. When we receive a payment instruction (for the current or a future date), you authorize us to charge your checking account and remit funds on your behalf. While it is anticipated that most transactions will be completed on a timely basis, it is understood that due to circumstances beyond our control, particularly delays in handling and posting payments slow-responding companies or financial institutions, some transactions may take several days. For this Agreementreason, we may allow recommend that you schedule all check payments to pay bills by be processed at least seven (7) business days before the actual due date, and schedule all electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link or through a mobile device or smartphone through a software application that we may make available to you in our sole discretion. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s statement designates as at least three (3) business days before the due date, as applicable; provided not the vendor’s “late date.” Guaranty Bank offers an optional Online Bill Pay Rush Delivery Expedited Payments service which is available for an additional fee. Methods of delivery include Overnight Check, 2-Day Check and Electronic Rush Payments. In any event including, but not limited to, choosing a payment request is received date less than seven (7) business days prior to the applicable cut-off time. The current cut-off time set actual due date, the risk of incurring and the responsibility for paying any and all charges or penalties shall be borne by us is 3:00 p.m. Central Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Dayyou. We reserve will use our right best efforts to change the cut-off time by giving you notice of the new cut-off timeprocess all your payments properly. For recurring A scheduled payment requests, if you designate a payment date of the 28th through the 31st of a month, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in it. Then it will be scheduled to arrive on the first day of the following month. Recurring payments will be processed to be received on the payment dates you have designated, unless such payment date falls on a non-business day resulting in your payment being will be processed to arrive on the next business day. Based on the location and manner in which payment is to be sent, you must initiate your bill payment requests a reasonable amount of time day immediately prior to the actual due scheduled date of payment. On the scheduled payment date we will verify that your account has sufficient funds to provide enough time cover the payment at 7:00 a.m. and 2:00 p.m. central time. If the account has insufficient funds we will attempt to verify the funds and originate the payment for two (2) additional business days. If after the three (3) total business days the account still has insufficient funds the payment is cancelled and you will need to originate a new payment. If the payment is issued by check the funds will not be subtracted from your payment to reach account until the payee prior check is presented for payment. Additional items could post to the actual due dateaccount during this time and result in the bill payment check being marked as insufficient. Such reasonable time shall If you are authorizing a payment instruction using the Pay a Person/P2P feature to an individual receiver who is not registered the registration process must occur before the payment is sent. The receiver will be prompted to complete the bank account and routing information for the receiving account before the payment is authorized. The timing of availability of funds in a receiver’s account is subject to the agreement between the receiver and the financial institution holding the receiving account. Failure of an individual receiver to register within nine (9) calendar days from the date we received the payment instruction will result in the expiration of the instruction and the cancellation of the transaction. There is a $1,000.00 per day limit on Pay a Person/P2P transactions. Payroll Services are available. Through this feature employees can be paid by direct deposit. Fees do apply. See the current Fee Schedule for the charge for this service. Enrollment is required. Please contact the bank to enroll. You have the right to cancel or change any scheduled payment. You must cancel the payment by no later than Midnight (Central Time), of the day before the scheduled payment date , by using the STOP function on the Guaranty Bank Online "Bill Payment-Scheduled Transaction" screen. Stopping the payment of a check is different from the cancellation of a bill payment. Once the bill payment has been debited from your account, you CANNOT cancel or stop a bill payment that has been paid electronically. You may stop a Guaranty Bank Online bill payment paid by paper draft. You will have to contact us by telephone to determine if the paper draft has cleared. We will notify you immediately if the paper draft has already cleared. If the paper draft has not cleared, we will immediately process your stop payment request. To be effective, this type of stop payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the check number from the Bill Payment “History” screen. As with stop payment requests for manual checks, we will require you to sign and return a stop payment request form if the stop payment was placed by us. Stop payments of checks entered by you through Guaranty Bank Online Banking will not require a signature. Your login credentials are your electronic signature. Stop payment charges will be assessed on the applicable account. Fees assessed for payments of any Online Bill Pay Rush Delivery Expedited Payments method will not be less than (a) five (5) business days refunded when stopping payment on an item if the transaction was originated. We will use our best efforts to process all your payments properly. However, Guaranty Bank shall incur no liability if it is unable to complete any payments initiated by you through Guaranty Bank Online because of the existence of any one or more of the following circumstances: • Your account does not contain sufficient funds to complete the transaction. • Our Internet processing center is not working properly and you know or have been advised by the service about the malfunction before you execute the transaction. • You have not provided us with the correct names or account information for each paper bill those persons or entities to whomever you wish to direct payment. • Circumstances beyond our control such as, but not limited to, communications failure, fire, flood, or interference from an outside force that would prevent the proper execution of the transaction. If any of the above conditions cause rejection of any payment (recurring or variable) or (b) threeinstruction, no second attempt will be made to process the payment.

Bill Pay Services. During the Term of this Agreement, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link on the left side of the screen or through a mobile device or smartphone through a software application that we may make available to you in our sole discretion. You will then be directed to the web site of our third party bill payment provider. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cancan not be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 5:00 p.m. Central Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requestsFOR RECURRING PAYMENT REQUESTS, if you designate a payment date of the 28th through the 31st of a monthIF YOU DESIGNATE A PAYMENT DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in itTHE PAYMENT WILL ALWAYS BE SCHEDULED TO ARRIVE ON THE CALENDAR DAY YOU SELECTED UNLESS THAT MONTH DOES NOT HAVE THE SAME NUMBER OF DAYS IN IT. Then it will be scheduled to arrive on the first day of the following monthTHEN IT WILL BE SCHEDULED TO ARRIVE ON THE FIRST DAY OF THE FOLLOWING MONTH. Recurring payments will be processed to be received on the payment dates you have designated, unless such payment date falls on a non-business day non- Business Day resulting in your payment being processed to arrive on the next business dayNEXT Business Day. Based on BASED ON THE LOCATION AND MANNER IN WHICH PAYMENT IS TO BE SENT, YOU MUST INITIATE YOUR BILL PAYMENT REQUESTS A REASONABLE AMOUNT OF TIME PRIOR TO THE ACTUAL DUE DATE TO PROVIDE ENOUGH TIME FOR YOUR PAYMENT TO REACH THE PAYEE PRIOR TO THE ACTUAL DUE DATE. SUCH REASONABLE TIME SHALL NOT BE LESS THAN (A) FIVE (5) BUSINESS DAYS FOR EACH PAPER BILL PAYMENT (RECURRING OR VARIABLE) OR (B) THREE (3) DAYS FOR EACH ELECTRONIC PAYMENT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE PAYMENTS IN ADVANCE, WHETHER RECURRING OR ONE-TIME PAYMENTS. WE WILL NOT BE RESPONSIBLE FOR LATE PAYMENTS WHEN YOU FAIL TO TIMELY INITIATE PAYMENTS PRIOR TO THE ACTUAL DUE DATE. Due to circumstances beyond our control, some payees take longer to post payments than others. We may send out your first payment up to eight (8) Business Days in advance of the location payment date, and manner in which thus the amount of your check or electronic draft will be deducted from your Connected Account sooner than a payment/payee relationship that has already been established. After your first payment is to be senthas posted, you will have a better understanding of how much time to allow for each payee. You must initiate your bill select a payment requests a reasonable amount of time prior to date that is at least three (3) Business Days before the actual due date to provide enough time for reflected on your payee statement. If your actual due date falls on a non- Business Day you must select a payment to reach the payee prior to date that is at least one Business Day before the actual due date. Such reasonable time shall not Payment dates should be less than prior to any late date or grace period. When you have scheduled a payment, you authorize us to debit your Connected Account and remit funds on your behalf. You certify that your Connected Account is an account from which you are authorized to make payments and any payment you make will be debited from your Connected Account. You also authorize the credit of returned payments from payees using the Bill Pay Service. We will incur no liability if we are unable to complete any payments initiated because of any of the following: (a) five you have not provided us with the correct payment account information, or the correct name, address, phone number, or account information for the payee upon initiation of the payment; (5b) business days circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent us from properly executing the transaction; (c) the payment-processing center is not functioning properly; or (d) the payee does not accept or returns the payment for each paper any reason. You agree to have available and collected funds on deposit in the applicable Connected Account you designate in amounts sufficient to pay for all bill payment requests, as well as, any other payment obligations you have to us. We reserve the right, without liability, to (recurring a) reject or variable) reverse a bill payment request or (b) threesuspend your use of the Bill Payment Services, if you fail to comply with this requirement or any other terms or conditions of this Agreement. If you do not have sufficient funds in the funding Connected Account and we have not exercised our right to reverse or reject a bill payment request, you agree to pay for such payment obligations on demand. You further agree that we, at our sole option, may charge any of your accounts with us to cover such payment obligations. We reserve the right to select the method in which to remit funds through the Bill Pay Service on your behalf to your payee. Any bill payment request can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the Business Day prior to the payment date you designate for the bill to be paid. Additionally, payments cannot be made to any federal or state governmental agency. You must have enough available money or credit in any account from which you instruct us to make a bill payment request. All bill payment requests must be in U.S. Dollars. For security reasons, we may implement limits on the number or amount of bill payment requests you can make using our Bill Pay Services. In addition, a single bill payment request cannot exceed $9,999.99 and the collective total for one (1) Business Day cannot exceed $19,999.99. If you desire to make a transaction in excess of such limits, after receiving a written request from you, we may, in our sole and absolute discretion, modify such limits. In using the Bill Pay Service, you understand that we and/or the United States Postal Service may return payments for various reasons, such as, but not limited to, the account number is not valid; the Bill Pay Service is unable to locate the account; or payee account is paid in full.

Bill Pay Services. During the Term of this AgreementTerm, we may allow you to pay bills by electronic transfer or check to any Person whom we approve and you designate as a payee in any bill payment request sent through Online Banking Services. You may access our Bill Pay Services after logging into Online Banking Services by clicking on the Bill Payment link on the left side of the screen or through a mobile device or smartphone Compatible Device through a software application that we may make available to you in our sole discretion. You will then be directed to the web site of our third party bill payment provider. You will establish your list of payees by following the on-screen instructions and help features and instructions on the provider’s 's web site. You may add a new fixed or recurring payment for any payee but only if the payee is on your authorized list of payees and has been approved by us. If the payee is not able to receive electronic payments, a paper check may be generated for payment. The check will carry your account number and will clear directly through the Customer Account you designate. A unique check number will appear on your statement for easy recognition and later viewing. We reserve the right to refuse the designation of a payee for any reason. We are not responsible if a bill payment request cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a payee or if you attempt to pay a payee that is not on your authorized payee list. We will process variable payments so that the payment is received on the Business Day you or the payee’s 's statement designates as the due date, as applicable; provided the payment request is received prior to the applicable cut-off time. The current cut-off time set by us is 3:00 p.m. 2:30 a.m. Central Time. Variable bill requests received after the cut-off time, or at any time on a non-Business Day may be processed on the next Business Day. We reserve our right to change the cut-off time by giving you notice of the new cut-off time. For recurring payment requestsFOR RECURRING PAYMENT REQUESTS, if you designate a payment date of the 28th through the 31st of a monthIF YOU DESIGNATE A PAYMENT DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, the payment will always be scheduled to arrive on the calendar day you selected unless that month does not have the same number of days in itTHE PAYMENT WILL ALWAYS BE SCHEDULED TO ARRIVE ON THE CALENDAR DAY YOU SELECTED UNLESS THAT MONTH DOES NOT HAVE THE SAME NUMBER OF DAYS IN IT. Then it will be scheduled to arrive on the first day of the following monthTHEN IT WILL BE SCHEDULED TO ARRIVE ON THE FIRST DAY OF THE FOLLOWING MONTH. Recurring payments will be processed to be received and applied on the payment dates you have designated, unless such payment date falls on a non-business day Business Day resulting in your payment being processed to arrive on the next business dayNEXT Business Day. Based on BASED ON THE LOCATION AND MANNER IN WHICH PAYMENT IS TO BE SENT, YOU MUST INITIATE YOUR BILL PAYMENT REQUESTS A REASONABLE AMOUNT OF TIME PRIOR TO THE ACTUAL DUE DATE TO PROVIDE ENOUGH TIME FOR YOUR PAYMENT TO REACH THE PAYEE PRIOR TO THE ACTUAL DUE DATE. SUCH REASONABLE TIME SHALL NOT BE LESS THAN (A) FIVE (5) BUSINESS DAYS FOR EACH PAPER BILL PAYMENT (RECURRING OR VARIABLE) OR (B) THREE (3) DAYS FOR EACH ELECTRONIC PAYMENT. IT IS YOUR RESPONSIBILITY TO SCHEDULE/ACTIVATE PAYMENTS SUFFICIENTLY IN ADVANCE OF THE ACTUAL PAYMENT DATE, WHETHER RECURRING OR ONE-TIME PAYMENTS. WE WILL USE REASONABLE EFFORTS TO PROCESS YOUR BILL PAY REQUESTS MADE THROUGH OUR BILL PAY SERVICES, BUT WE ARE NOT RESPONSIBLE FOR LATE PAYMENTS WHEN YOU FAIL TO TIMELY INITIATE PAYMENTS SUFFICIENTLY IN ADVANCE OF THE ACTUAL PAYMENT DATE AND WE DO NOT OTHERWISE GUARANTEE THE TIMING OF BILL PAY REQUEST OR THE DATE ON WHICH THE PAYEE WILL RECEIVE OR POST A PAYMENT FROM YOU. Due to circumstances beyond our control, some payees take longer to post payments than others. We may send out your first payment up to eight (8) Business Days in advance of the location payment date, and manner in which thus the amount of your check or electronic draft will be deducted from your Connected Account sooner than a payment/payee relationship that has already been established. After your first payment is to be senthas posted, you will have a better understanding of how much time to allow for each payee. You must initiate your bill select a payment requests a reasonable amount of time prior to date that is at least three (3) Business Days before the actual due date to provide enough time for reflected on your payee statement. If your actual due date falls on a non-Business Day you must select a payment to reach the payee prior to date that is at least one Business Day before the actual due date. Such reasonable time shall not Payment dates should be less than prior to any late date or grace period. When you have scheduled a payment, you authorize us to debit your Connected Account and remit funds on your behalf. You certify that your Connected Account is an account from which you are authorized to make payments and any payment you make will be debited from your Connected Account. You also authorize the credit of returned payments from payees using the Bill Pay Service. We will incur no liability if we are unable to complete any payments initiated because of any of the following: (a) five you have not provided us with the correct payment account information, or the correct name, address, telephone number, or account information for the payee upon initiation of the payment; (5b) business days circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent us from properly executing the transaction; (c) the payment-processing center is not functioning properly; or (d) the payee does not accept or returns the payment for each paper any reason. You agree to have available and collected funds on deposit in the applicable Connected Account you designate in amounts sufficient to pay for all bill payment requests, as well as, any other payment obligations you have to us. We reserve the right, without liability, to (recurring a) reject or variable) reverse a bill payment request or (b) threesuspend your use of the Bill Payment Services, if you fail to comply with this requirement or any other terms or conditions of this Agreement. If you do not have sufficient funds in the funding Connected Account and we have not exercised our right to reverse or reject a bill payment request, you agree to pay for such payment obligations on demand. You further agree that we, at our sole option, may charge any of your accounts with us to cover such payment obligations. We reserve the right to select the method in which to remit funds through the Bill Pay Service on your behalf to your payee. Any bill payment request may be changed or canceled provided the change or request is made through the Bill Pay Service in sufficient time and consistent with our policies with respect to the method of bill payment. Additionally, payments cannot be made to any federal or state governmental agency. You must have enough available money or credit in any account from which you instruct us to make a bill payment request. All bill payment requests must be in U.S. Dollars. For security reasons, we may implement limits on the number or amount of bill payment requests you can make using our Bill Pay Services. In addition, a single bill payment request cannot exceed $9,999.99 and the collective total for one