Common use of Bill Payment Service Clause in Contracts

Bill Payment Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Pay is the account for which you selected when initiating a Bill Payment. Through the Bill Payment Service, you can pay bills from your Bill Pay Account to: Business Payees any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. You may set up the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments you make will be deducted from the account that you designate as your Bill Payment Account on the Payment Initiation Date. Any payments you wish to make through this Service must be payable in U.S. Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the scheduled Payment Initiation Date. If your Bill Pay Account does not have sufficient available funds to make a payment; transactions may be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds to make a payment, American Community Bank & Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Pay. Transactions may be approved that overdraw your account. Fees may apply. You must schedule the Payment Initiation Date at least five (5) business days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will charge you a stop payment fee to stop the bill payment. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & Trust, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each of the following conditions:

Bill Payment Service. The Bill Payment Service service permits you to use your Internet-enabled device to direct payments to businesses or individuals you wish to pay from your the designated online Bill Pay Account to third parties you wish to payselected during the enrollment process. Your Pay is the account for which you selected when initiating a Bill Payment. Through the Bill Payment Service, you can pay bills from your Bill Pay Account to: Business Payees any businessmust be a checking account. Money Market accounts are not applicable. In addition, merchant, or professional that generates a bill or invoice for products or services provided you may select alternate checking accounts from which to you on pay your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. You may set up the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually)bills. All payments you make will be deducted from the account that you designate as your designated Bill Payment Account on the Payment Initiation DatePay account. Any payments you wish to make through this Service service must be payable in U.S. Dollars dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities security purchases, ; payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for to these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, monthly or semi-monthly intervals. When you create a new payee in the Bill Payment Initiation Dateservice, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least ten (10) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, Dedham Savings will work with the payee on your behalf to attempt to have any late fees or charges reversed. Dedham Savings is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Dedham Savings will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee correctly to account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Dedham Savings. If the Online session during which you schedule a Bill Payment ends by 9:00 P.M. Eastern Time, Dedham Savings will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time is recorded by the Online Banking service controls. If your Bill Pay Account does not have sufficient available funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by Dedham Savings to make the transfer or payment; transactions may . In addition, your Designated account can be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged blocked due to your account for each NSF transaction, whether paid or returnedoverdrafts. If your this occurs, no additional Bill Pay Account does not have sufficient available funds Payments will be processed until the account is properly funded and all payments or transfers are cleared. Dedham Savings will attempt to make a paymentnotify you by e-mail or U.S. Postal Service, American Community Bank & Trust but Dedham Savings shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Paythe Service. Transactions may be approved that overdraw your account. Fees may apply. You must schedule In the Payment Initiation Date at least five (5) business days before any Payment Due Date (that iscase of periodic payments, only the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you payment currently scheduled will be fully responsible canceled. Periodic payments scheduled for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust future dates will not be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controlsaffected. The way to cancel or change a payment is to use the Your Link Bill Payment Pay Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. 9:00 P.M. Eastern Time on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will may charge you a stop payment fee to stop the bill paymentfee. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & TrustDedham Savings, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. American Community Bank & Trust Dedham Savings may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each of the following conditions:.

Bill Payment Service. The Bill Payment Service service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay is the account for which you selected when initiating Account must be a Bill Paymentchecking account. Through the Bill Payment Serviceservice, you can pay bills from your Bill Pay Account to: Business Payees any business, merchant, to businesses or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. You may set up the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment Account on the Payment Initiation Dateservice. Any payments you wish to make through this Service service must be payable in U.S. Dollars dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, Account on the scheduled payment date. lf the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly or monthly intervals (a "recurring payment"). lf a recurring payment is chosen, the bill will be paid automatically each billing period. lf the payment is not a recurring payment, it will be a "one-time payment." One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any change to information you have given us about a payee to reflect the change in our records. When you create a new payee in the Bill Payment Initiation Dateservice, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. If You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). lf you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. lf you schedule your payment and follow all instructions provided, and the payment is not received by the payee in a timely manner, a representative of Bank will work with the payee on your behalf to have any late fees or charges reversed. Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Bank will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Bank. lf the session during which you schedule a payment or transfer ends by 3:00 p.m., Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls. lf your Bill Pay Account does not have sufficient available funds to make a payment; transactions may payment as of the date the transfer or payment is attempted or scheduled to be approved that overdraw your account. -Sufficient Funds (NSF) fee may made, the transfer or payment will be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds canceled and no further attempt will be made by Bank to make a the transfer or payment, American Community . Bank & Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Paythe Service. Transactions may be approved that overdraw your account. Fees may apply. You must schedule In the Payment Initiation Date at least five (5) business days before any Payment Due Date (that iscase of recurring payments, only the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you payment currently scheduled will be fully responsible canceled. Recurring payments scheduled for all late fees, finance charges or other action taken by future dates will not be affected. Payments scheduled through the payee. If Service should be cancelled through the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 2:00 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. If lf you ask us to cancel a payment after it is issued and we agree to do so, we will may charge you a stop payment fee to stop the bill paymentfee. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. However, stop payment orders received orally require a written confirmation within 14 days to remain in effect for the six-month period. If requested by American Community Bank & Trustwritten confirmation is not forthcoming, you will confirm any the stop payment order in writingwill cease to be binding after 14 days. Written stop payment orders may be mailed to: Southwind Bank Customer Service PO Box 40 Natoma, KS 67651 After six months, any stop payment will terminate and must be renewed in order to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Electronic Mail lf you send Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon an electronic mail message, Bank will be deemed to have received it on the following business day. Bank will have a reasonable time to act on your authorization in accordance e-mail. You should not rely on electronic mail if you need to communicate with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail deliveryimmediately, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasonsexample, if you meet each need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You agree that Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Bank shall be considered received within three (3) days of the following conditions:date sent by Bank, regardless of whether or not you sign on to the Service within that time frame.

Bill Payment Service. The Bill Payment Service permits allows you to use your Internet-internet enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. If you choose to utilize the Bill Payment Service, you may begin initiating payments two weeks following the receipt of your online banking user code and password. Your Bill Pay Account is the account for which you selected are viewing transactions when initiating a Bill Paymentbill payment. Through Via the Bill Payment Service, Service you can may pay bills from your Bill Pay Account account to:  Business Payees – any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; verify  Individual Payees – payments made to individuals, family, or friends for non-business purposes. The Payment Initiation is Date. Is the date you enter Online Banking into the online banking system when setting up a bill payment. You may set up the following types of bill payments:  Single Payments – a payment to be made to a payee at one time  Recurring Payments - payments of fixed amounts amount to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually, annually). All payments you make will be deducted from the account that you designate as your Bill Payment Pay Account on the Payment Initiation Date. Any payments you wish to make through this Service service must be payable in U.S. Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments payment may be made using the Service service from time to time. You should not use the Bill Payment Service ser vice to make payments payment to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed process or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the scheduled Payment Initiation Date. If the Payment Initiation Date falls on a non-business day, funds must be available in your Bill Pay Account does not have sufficient available the following business day. After funds are withdrawn from your Bill Pay Account to make a payment; transactions , we may be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged make the payments either by transferring funds electronically to your account for each NSF transaction, whether paid the payee or returnedby mailing the payee a check. If your Bill Pay Account does not have sufficient available funds to make a paymentpayment as of the payment Initiation Date, American the pa yment will be canceled and no further attempt will be made by NorthSide Community Bank & Trust to make the transfer or payment. NorthSide Community Bank will attempt to notify you by e-mail or U.S. Postal Mail, but NorthSide Community Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling reschedule the payment through Online via Bill PayPayment Service. Transactions may In the case of Recurring Payments, only the payment currently scheduled will be approved that overdraw your accountcanceled. Fees may applyRecurring Payments scheduled for future dates will not be affected. You must schedule the Payment Initiation Date at least five seven (57) business days before any Payment Due Date (that is, is the due date shown on your invoice or provided in your agreement with the payee, not considering taking into account any applicable grace period). If you do not allow enough timeOtherwise, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American 6:00PM Central Standard Time, NorthSide Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Serviceservice, the time is recorded by the Online Banking online banking service controls. The way to cancel or change a payment is to use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. 6:00PM CST on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will charge you a stop payment fee to stop the bill payment. Stop payment ordersPayment Orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested request by American NorthSide Community Bank & TrustBank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American NorthSide Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American NorthSide Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American NorthSide Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the payee’s address or account number (as long as unless you notify have advised us five days of the change sufficiently in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American NorthSide Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each of the following conditions:Bank.

Bill Payment Service. The You may apply for Bill Payment Service permits you Services (Billpay) through Internet Banking. Only those users approved will be able to use your InternetBillpay. This approval process generally will take no longer than 1 (one) business day. You can use Billpay to schedule a bill payment to a business or individual (“Payee”) in the United States. Payments can be scheduled on a one-enabled device to direct time or recurring basis. Recurring payments are those made for the same dollar amount on the same date each month. Recurring payments cannot be scheduled more than 365 days in advance unless the first scheduled payment is due within 365 days from your designated online the date it was originally scheduled. Bill Pay payments can only be made from a checking Account or NOW Account. If you use more than one checking Account or NOW Account to third parties you wish to pay. Your Pay is the account for which you selected when initiating a Bill Payment. Through the Bill Payment Servicemake bill payments, you can pay bills must designate the Account from your Bill Pay Account to: Business Payees any business, merchant, or professional that generates which the payment is to be made (“Payment Account”) each time you schedule a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. By providing Countryside Bank with the names and account information of Payees, you authorize us to follow the payment instructions that we receive from you through Billpay and to rely on the accuracy of all of the information that you provide to us. It is your responsibility to update the Payee and payment information if there are any changes. It remains at our discretion to determine the appropriate method for processing payments to Payees; we may choose to make payments electronically or by check. TYPES OF PAYMENTS GOVERNMENT PAYMENTS - You cannot make government payments, including court directed payments, through Billpay. At our discretion, we may set up the following types of bill payments: Single Payments refuse to pay any Payee and refuse to make payments that we believe are fraudulent or erroneous. We will notify you promptly if we refuse to make a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals Payee (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments except if you make will be deducted from the account that you designate as your Bill Payment Account on the Payment Initiation Date. Any payments you wish to make through this Service must be payable in U.S. Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the scheduled Payment Initiation Date. If your Bill Pay Account does not have sufficient available funds attempt to make a payment; transactions may be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds to make a payment, American Community Bank & Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the government payment or rescheduling the payment through Online Bill Pay. Transactions may be approved that overdraw your account. Fees may apply. You must schedule the Payment Initiation Date at least five (5) business days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will charge you a stop payment fee to stop the bill payment. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & Trust, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result Payees outside of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each of the following conditions:United States).

Bill Payment Service. The Bill Payment Service permits You may also separately subscribe to our bill payment service. To subscribe to the bill payment service, you must have at least one checking account with us. If you subscribe to this service, you may use your Internet-enabled device the service to direct make payments from your a designated online Bill Pay Account checking account. You cannot, however, use the service to third parties you wish make payments on loans or lines of credit accounts at the Bank. You may not designate an account that requires two or more signatures to paymake withdrawals. Your Pay is Payment instructions must include the complete name of the payee, the account for which you selected when initiating a Bill Payment. Through number, the Bill Payment Servicepayee's remittance address, you can pay bills from your Bill Pay Account to: Business Payees any businessthe amount of payment, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up want the payment debited from the account. After you issue a payment instruction, payment will be made by transferring funds electronically from your account and either electronically crediting payee's account or by preparing a check made payable to the payee. You can only pay payees with United States addresses. While most payments can be made using the bill paymentpayment service, we reserve the right to refuse to pay certain payees. You may set up use the bill payment service to authorize automatic recurring payments. These payments must be for the same amount each month and will be paid on the same calendar day of each month, or on the following types of bill payments: Single Payments business day if the regular payment date falls on a weekend or holiday. When you have entered and transmitted a payment instruction, you authorize us to be made reduce your account accordingly. If there are insufficient funds in your account to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All make payments you have authorized, the Bank may either refuse to pay the item or may make will be deducted from the account that payment and thereby overdraw the account. In either event, you designate are responsible for any non-sufficient funds ("NSF") or overdraft charges we may impose, as your Bill Payment Account on the Payment Initiation Date. Any payments you wish to make through this Service must be payable in U.S. Dollars to a payee located stated in the continental United StatesDeposit Agreements. We reserve the right to restrict types of payees refuse to whom payments may be made using the Service from time honor payment requests that reasonably appear to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the scheduled Payment Initiation Date. If your Bill Pay Account does not have sufficient available funds to make a payment; transactions may be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds to make a payment, American Community Bank & Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Pay. Transactions may be approved that overdraw your account. Fees may apply. You must schedule the Payment Initiation Date at least five (5) business days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. on the business day the transaction is scheduled us to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will charge you a stop payment fee to stop the bill payment. Stop payment orders, whether oral, written, fraudulent or electronic, will be in effect for a period of six months. If requested by American Community Bank & Trust, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each of the following conditions:erroneous.

Bill Payment Service. The Bill Payment Service service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay is the account for which you selected when initiating Account must be a Bill Paymentchecking account. Through the Bill Payment Serviceservice, you can pay bills from your Bill Pay Account to: Business Payees any business, merchant, to businesses or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. You may set up the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment Account on the Payment Initiation Dateservice. Any payments you wish to make through this Service service must be payable in U.S. Dollars dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly or monthly intervals (a "recurring payment"). If a recurring payment is chosen, the bill will be paid automatically each billing period. If the payment is not a recurring payment, it will be a "one-time payment." One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any change to information you have given us about a payee to reflect the change in our records. When you create a new payee in the Bill Payment Initiation Dateservice, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, and the payment is not received by the payee in a timely manner, a representative of Wasatch Peaks Credit Union will work with the payee on your behalf to have any late fees or charges reversed. Wasatch Peaks Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Wasatch Peaks Credit Union will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Wasatch Peaks Credit Union. If the session during which you schedule a payment or transfer ends by 2:00 p.m., Wasatch Peaks Credit Union will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Service, the time recorded by the Online Banking Service controls. If your Bill Pay Account does not have sufficient available funds to make a payment; transactions may payment as of the date the transfer or payment is attempted or scheduled to be approved that overdraw your account. -Sufficient Funds (NSF) fee may made, the transfer or payment will be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds canceled and no further attempt will be made by Wasatch Peaks Credit Union to make a the transfer or payment, American Community Bank & Trust . Wasatch Peaks Credit Union shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Paythe Service. Transactions may be approved that overdraw your account. Fees may apply. You must schedule In the Payment Initiation Date at least five (5) business days before any Payment Due Date (that iscase of recurring payments, only the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you payment currently scheduled will be fully responsible canceled. Recurring payments scheduled for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust future dates will not be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controlsaffected. The way to cancel or change a payment is to use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 2:00 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will may charge you a stop payment fee to stop the bill paymentfee. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & TrustWasatch Peaks Credit Union, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. American Community Bank & Trust Wasatch Peaks Credit Union may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each of the following conditions:.

Bill Payment Service. The Bill Payment Service permits a. Generally, the bill payment service allows you to use schedule the payment of your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Pay is the account for which you selected when initiating a Bill Payment. Through the Bill Payment Service, you can pay bills from your Bill Pay Account to: Business Payees any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill paymentchecking account. You may set up pay merchants or individual payees within the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments you make will be deducted from the account that you designate as your Bill Payment Account on the Payment Initiation Date. Any payments you wish to make United States through this Service must be payable in U.S. Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the scheduled Payment Initiation Date. If your Bill Pay Account does not have sufficient available funds to make a payment; transactions may be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds to make a payment, American Community Bank & Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Pay. Transactions may be approved that overdraw your account. Fees may apply. You must schedule the Payment Initiation Date at least five (5) business days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using By furnishing us with the Bill Payment Service prior to 1:00 p.m. on the business day the transaction is scheduled to be initiated. If names of your payees and their addresses, you ask authorize us to cancel follow the payment instructions you provide us via Online Banking. Payments may be made either electronically or by paper draft, depending upon the payee’s ability to receive electronic payments. When we receive a payment after it is issued and we agree to do soinstruction from you, we will charge process that instruction on the day you specified in your instruction (“Payment Date”). Some payees have special processing requirements for receiving payments, and some may require that your payment be accompanied by a stop coupon or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment fee to stop the bill paymentrequirements. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & Trust, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust We will not be liable for any delay in processing or mis-posting by such payees where a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through the Service, and you are responsible for any way and all of such fees and charges. b. You must allow sufficient time for delays in mail delivery, payment. Payments using Online Banking require sufficient time for changes to the address or account number (as long as you notify us five days in advance), delivery and for the failure of any your payee to correctly credit your account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trustproperly. BILL PAYMENT GUARANTEE We will reimburse you for any To avoid incurring late payment fees or penalties finance charges, you are charged up to must schedule a maximum of $50.00 per scheduled payment, as a result payment sufficiently in advance of the failure of a Business Payee date you want your payment to receive a payment made through the Bill Payment Service by the actual due date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasonsarrive: FOR ELECTRONIC PAYMENTS, if you meet each of the following conditions:WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You have

Bill Payment Service. The Bill Payment Service permits you to use your Internet-Internet enabled device to direct payments from your designated online Bill Pay Payment Account to third parties you wish to pay. Your Pay is the account for which you selected when initiating Bill Payment Account must be a Bill Paymentshare draft checking account. Through the Bill Payment Service, you can pay bills from your Bill Payment Account to businesses or individuals. Certain payment such as those for gambling, drugs, illegal purchases, and more are not permitted using AFFCU’s Bill Pay Account to: Business Payees any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. You may set up the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually)system. All payments you make will be deducted from the checking account that you designate as your Bill Payment Account on for the Bill Payment Initiation DateService. Any payments you wish to make through this Service must be payable in U.S. Dollars dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, Payment Account on the scheduled Payment Initiation Datepayment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Pay Payment Account does not have sufficient available the following business day (e.g. Monday). After funds to make a payment; transactions may be approved that overdraw your account. -Sufficient Funds (NSF) fee may be charged to your account for each NSF transaction, whether paid or returned. If are withdrawn from your Bill Pay Payment Account does not have sufficient available funds to make a payment, American Community Bank & Trust shall have no obligation we may make the payment either by transferring funds electronically to the payee or liability if by mailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, monthly, or semi-monthly intervals. When you create a new payee in the Bill Payment Service, it does not complete takes two (2) business days to set up the payee to receive payments. You should schedule a transfer or payment because there are insufficient available funds in to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account to process a transactionwith the payee. In For all casessubsequent payments, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Pay. Transactions may be approved that overdraw your account. Fees may apply. You must schedule the Payment Initiation Date agree to allow at least five (5) to ten (10) business days before any Payment Due Date between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering taking into account any applicable grace period). If the payment is an Automatic Clearing House (ACH) electronic payment, it may take up to five (5) business days to reach the payee. However, if the company or person that you are paying cannot accept an electronic payment, the Bill Payment Service will send a check that may take up to ten (10) business days. If you do not allow enough timefollow these time frames, you will be fully responsible for all late fees, finance charges or other action actions taken by the payee. If the session during which you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Servicetimely manner, the time is recorded by Credit Union will work with the Online Banking service controlspayee on your behalf to reverse any late fees or charges. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we will charge you a stop payment fee to stop the bill payment. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & Trust, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust The Credit Union will not be liable in any way for damages you incur for any of the following reasons: • insufficient funds in your Bill Payment Account to make the payment on the processing date; • delays in mail delivery, for ; • changes to the payee's address or account number (as long as you notify us five days unless we have been advised of the change in advance), for advance • the failure of any payee to correctly account for or credit the payment in a timely manner, or for • any other circumstances beyond the control of American Community Bank & Trustthe Credit Union. BILL PAYMENT GUARANTEE We will reimburse you for any late If your Bill Payment Account does not have sufficient funds to make a payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result of the failure of a Business Payee date the payment is debited to receive a payment made through your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. This suspension may be without prior notice to you. The Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In such event, we will charge all related service fees to you. In all cases, you are responsible for making alternate arrangements for the payment or reschedule the payment through the Service. AFFCU is under no obligation to notify you if it does not complete a transfer because there are insufficient funds in your account to process a transaction. With respect to any negative balance caused by honoring either a paper or electronic payment, you agree to reimburse us, for any funds we have already paid to one or more of your designated merchants or financial institution which we were unable to recover by debit to the actual due date merchant or financial institution. You agree that we may impress and enforce a statutory lien upon your accounts with us to the extent that you owe us any money and we may enforce our right to do so without further notice to you. We have the Bank has right to set-off any of your money or property in our possession against any amount you owe us. The right of set-off and our impressed lien does not refused the transaction if the Bank reasonably believed such refusal extend to any Xxxxx, XXX, or similar tax deferred deposit you may have with us. If your account is necessary for security reasonsowned jointly, if you meet each our right of set-off and our impressed lien extends to any amount owed to us by any of the following conditions:joint owners. In the event that you do not comply with the terms and conditions set forth in this Agreement, or in the event that your payment instruction is not made in time for us to process your payment prior to the due date required by a particular merchant or financial institution, you will be liable for all penalties and late fees imposed, and we will not be liable for any such penalties or fees. Without limiting the foregoing, AFFCU shall also not be liable for late charges, interest, penalties, or other amounts incurred by you or any for any failure to allow sufficient time for processing and delivery of any deposits or payment(s) so long as AFFCU has complied with the provisions of this Agreement. Unless otherwise required by law, the Credit Union will not be liable to you under any circumstances for special, indirect, or consequential damages, including, without limitation, lost profits or attorneys’ fees, even if we are advised in advance of the possibility of such damages. We reserve the right to refuse to make any payment.

Bill Payment Service. The Bill Payment Service permits you to use You can arrange, at your Internet-enabled device to direct payments option, for the payment of your current, future and recurring bills from your designated online Bill Pay Account to third parties you wish to payAccount. Your Pay is the account for which you selected when initiating a Bill Payment. Through the For Bill Payment Service, your Payee list may include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you can wish to pay bills from through Bill Payment Service. Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your Bill Pay Account to: Business Payees account number with the Payee, the amount of the Payment, and whether the Payment is recurring. The Bank reserves the right to decline to make Payments to certain persons and entities. You agree that any businessPayment for taxes, merchantPayments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use any Service to make these types of Payments. On recurring Payments, it is the responsibility of the account owner or designated authorized users to update Payee account information such as address changes, account numbers, etc. Payments are posted against your ledger balance, plus the available credit on your overdraft protection, if any, or professional that generates a bill or invoice for products or services provided to you on your behalf and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill paymentother line of credit. You may set up the following types of bill payments: Single schedule Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments you make will be deducted from the account that you designate as your Bill Payment Account initiated on the current Business Day, on a future date, or on the same date of each month. If you are scheduling a Payment Initiation Date. Any payments you wish to make through this Service for the current day it must be payable in U.S. Dollars initiated prior to a payee located in the continental United States. We reserve the right 3:00 p.m. C.S.T. Changes to restrict types of payees to whom payments may previously scheduled Payments must be made using before midnight C. S. T. the Business Day before the day it is to be initiated. Bank may, in its sole discretion, accelerate the effective time of any scheduled Payments or change requests. If the transaction is no longer showing a "Scheduled Payments" status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service from time to time. You should not use twenty-four (24) hours a day, seven (7) days a week, the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments (e.g., alimony or child support payments). Payments for these payees will be your sole responsibility if delayed or improperly processed or creditedBank only initiates on Business Days. Funds must be available in your Bill Pay Account, including overdraft lines of credit, Account on the scheduled Payment Initiation Datepayment date. If After funds are withdrawn from your Bill Pay Account does not have sufficient available funds to make a paymentPayment, we may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your account (whether we make these Payments electronically or by Check) on: (a) the Business Day we process the Bill Pay request, if you schedule a Payment for processing the same Business Day as the day of receipt by us of that request; transactions may and (b) the Business Day immediately preceding the date you schedule a Payment for processing, if the Bill Payment is future dated (that is, set by you for processing on a future date). If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be approved that overdraw initiated on the previous Business Day. When you create a new Payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business Payees, verify information about your account. -Sufficient Funds (NSF) fee The Bill Payment service may be charged to your account for each NSF transaction, whether paid or returnedprovide a calendar feature that estimates the expected date of delivery of a scheduled Payment. If your Bill Pay Account does This feature is an estimate only and not have sufficient available funds to make a payment, American Community Bank & Trust shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Pay. Transactions may be approved guarantee of Payment delivery on that overdraw your account. Fees may applydate. You must should schedule the a Payment Initiation Date to a new Payee at least ten (10) Business Days before any Payment due date. For existing Payees, please allow at least five (5) business days before Business Days for electronic Payments to be processed and at least eight (8) Business Days for paper Checks to be delivered. Bank is not liable for any service fees or late charges levied against you due to postal delays or processing delays by the Payee. There is no limit on the number of Payees or number of Payments that may be authorized. The maximum per Payment Due Date amount is $10,000.00 and the minimum per Payment amount is $0.01. The maximim per Payment amount for person to person (P2P) payments is $300.00. The maximum daily amount for person to person (P2P) payments is $600.00. Nothwithstanding the minimum and maximum amounts described in this section or any other place in this Agreement, Bank may, in its sole discretion, impose limits and/or restrictions on the minimum and maximum amount and number os Payments with our without notice and at any time. You acknowledge and agree that if you describe a Payee inconsistently by name and account number, scheduled Bill Payment transactions to the Payee will occur on the basis of the account number, even if it identifies a person other than the named Payee. For all subsequent Payments, you agree to allow at least five (5) to eight (8) Business Days between the date you schedule a Payment to be initiated and the Payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering taking into account any applicable grace period). If you do not allow enough timenot, you will be fully responsible for all late fees, finance charges or other action actions taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must be changed or canceled using the Bill Payment Service prior to 1:00 p.m. on the business day the transaction is scheduled to be initiatedPayee. If you ask us to cancel a payment after it schedule your Payment and follow all instructions provided, and the Payment is issued and we agree to do so, we will charge you a stop payment fee to stop not received by the bill payment. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by American Community Bank & Trust, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. American Community Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bank & Trust is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment Payee in a timely manner, a representative of Bank will work with the Payee on your behalf to have any late fees or charges reversed. When you schedule a Bill Payment, you authorize us to debit your qualified designated checking account for the requested amount. If sufficient funds are not available in your designated account when the debit is presented for payment, we may refuse to honor the debit and return it unpaid. At our sole discretion, we may elect to pay the debit regardless of the insufficient funds. In either event, your qualified designated account will be charged our then current fee for processing insufficient items, whether the debit is paid or returned, as applicable. You are responsible for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse loss or penalty that you for any late payment fees or penalties you are charged up may incur due to a maximum lack of $50.00 per scheduled paymentsufficient funds or other conditions that may prevent the withdrawal of funds from your account. Recurring Payments and Transfers are those made for the same amount, as on the same date, on a result weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and Transfers will be made automatically until you delete the Payment or Transfer or upon expiration. If the Payment is not a recurring Payment, it will be a “One-time Payment.” One-time Payments do not recur and are not made until you enter the Payee and amount of the failure of a Business Payee to receive a payment made through current bill and submit the Payment. A recurring or future scheduled One-time Bill Payment Service by transaction that you want deleted must be deleted or the actual due next Payment date to the extent that the Bank has not refused the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each changed before 3:00 p.m. C.S.T. of the following conditions:Business Day before the current transaction date. A stop payment cannot be placed on an Electronic Bill Payment transaction once issued. However, a stop payment can be placed on a Bill Payment transaction by Bill Payment check any time prior to 9:00 a.m.

Bill Payment Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments payment from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay is the account for which you selected when initiating Account must be a Bill Paymentchecking account. Through the Bill Payment Service, you can pay bills from your Bill Pay Account to: Business Payees any business, merchant, or professional that generates a bill or invoice for products or services provided to you on your behalf businesses and that has an address we can verify; Individual Payees payments made to individuals, family, or friends for non-business purposes. The Initiation is the date you enter Online Banking when setting up a bill payment. You may set up the following types of bill payments: Single Payments a payment to be made to a payee at one time Recurring Payments payments of fixed amounts to a single payee at recurring intervals (e.g., weekly, semi-monthly, monthly, quarterly, semi-annually). All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment Account on the Payment Initiation DateService. Any payments you wish to make through this Service service must be payable in U.S. US Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments payment may be made using the Bill Payment Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments payment to interest bearing accounts, tax payments, payments or court ordered payments (e.g., alimony or child support payments). Payments for to these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, Account on the scheduled payment date. If the date you schedule a payment to initiate falls on a non-business day (Saturday, Sunday or Holiday), funds must be available in your Bill Pay Account the following business day (e.g. Monday). After the funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule a payment to recur in the same amount on a regular weekly, monthly, or semi-monthly basis. When you create a new payee in the Bill Payment Initiation DateService, it has a temporary status until we have had sufficient time to set up the account and for your business payee to verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least three (3) business for electronic payments and five (5) business days for check payments between the date you schedule a payment to be initiated and the payment due date (this is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be responsible for all late fees, finance charges or other actions taken by the payee. If you schedule your payment and follow all instructions provided, but the payee does not receive the payment in a timely manner, we will work with the payee on your behalf to attempt to have any late fees or charges reversed. Freedom Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorizations in accordance with this Agreement. We will not be liable in any way for damages you may incur as a result of the circumstances set forth in the heading LIABILITY" below or for any other circumstance beyond the control of Freedom Bank. If the session during which you schedule a payment or transfer ends by 3:00 pm, Freedom Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries using the service, the time recorded by the Online Banking Service controls. If your Bill Pay Account does not have sufficient available funds to make a payment; transactions may payment as of the date of the transfer or payment is attempted or scheduled to be approved that overdraw your account. -Sufficient Funds (NSF) fee may made, the transfer or payment will be charged to your account for each NSF transaction, whether paid or returned. If your Bill Pay Account does not have sufficient available funds canceled and no further attempt will be made by Freedom Bank to make a the transfer or payment. Freedom Bank will attempt to notify you by e-mail or US Postal Mail, American Community Bank & Trust but we shall have no obligation or liability if it does we do not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Bill Pay. Transactions may be approved that overdraw your account. Fees may apply. You must schedule the Payment Initiation Date at least five (5) business days before any Payment Due Date (that is, the due date shown on your invoice or provided in your agreement with the payee, not considering any applicable grace period). If you do not allow enough time, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 1:00 p.m. American Community Bank & Trust will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the Service, the time is recorded by the Online Banking service controls. The way to cancel or change a payment is use the Bill Payment Service. Payments must In the case of fixed payments, only the payment currently scheduled will be changed canceled. Fixed payments scheduled for future dates will not be affected. Payment changes or canceled using cancellations should be made through the Bill Payment Service. If certain information that you provided to us when setting up the Bill Payment Service prior for a payee changes, or if you wish to 1:00 p.m. on cancel a bill payment to a payee that you have scheduled, you may edit the business day payment information or delete the transaction is scheduled to be initiatedpayment online via the Bill Payment Service by following the onscreen instructions in the Pending transactions" section. If the payment is not listed and you ask us to cancel a payment after it is issued issued, and we agree to do so, we will may charge you a stop payment fee to stop the bill paymentfee. Stop payment orders, whether oral, written, written or electronic, electronic will be in effect for a period of six (6) months. If requested by American Community Bank & TrustFreedom Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate be terminated and must be renewed in order to continue in effect. American Community Freedom Bank & Trust may pay any item that is presented following the lapse of any stop payment order. American Community Bill Pay daily limitation: $19,999.99. Schedule of Fees Freedom Bank & Trust is only responsible for exercising ordinary care in processing currently offers the benefits and sending payments upon your authorization in accordance with this Agreement. American Community Bank & Trust will not be liable in any way for delays in mail delivery, for changes to the address or account number (as long as you notify us five days in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of American Community Bank & Trust. BILL PAYMENT GUARANTEE We will reimburse you for any late payment fees or penalties you are charged up to a maximum of $50.00 per scheduled payment, as a result convenience of the failure of a Business Payee to receive a payment made through Online Banking Service and the Bill Payment Service by at no cost. However, Freedom Bank reserves the actual due date right to charge a fee in its discretion in the extent that future upon advance notice along with an opportunity for you to terminate the Bank has not refused Service at your option in accordance with the transaction if the Bank reasonably believed such refusal is necessary for security reasons, if you meet each procedures set forth in paragraph C of the following conditions:Term and Termination below. Statements You will continue to receive your regular monthly account statements from Freedom Bank.