Common use of Single Payments Clause in Contracts

Single Payments. a single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” date. Only eligible “Send On” dates can be selected as determined by the system. Currently, the daily cut- off time to schedule a paper check payment to be processed and mailed that same day is 3:00 p.m. CT. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CT. A single payment submitted after the cut-off time can only be schedule with a “Send On” date for the next business day or later. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date. Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” date is calculated for the next occurrence of the payment. If the calculated “Send On” date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment “Pay Previous Business Day” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. • If the recurring payment “Pay Next Business Day” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date. Single and recurring payments – The system will calculate the “Deliver By Date” of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”. Cancelling a Payment Bill payments are processed at various times throughout the business day. A bill payment transaction can be changed or cancelled any time prior to the scheduled bill payment being processed. If a scheduled bill payment is eligible to be edited or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” payment process date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- cut-off time to schedule a paper check payment to be processed and mailed on that same day is 3:00 p.m. CTdate. The daily cut-off time to schedule an electronic ACH payment for next day processing time, which is 5:00 p.m. CTcontrolled by the financial institution, is currently 2:00 MT. A single payment submitted after the cut-off time can only on the designated process date will be schedule with a “Send On” date for processed on the next following business day or laterday. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing payment process date, the payment will be processed on the first business day following the designated processing process date. Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” process date is calculated for the next occurrence of the payment. If the calculated “Send On” process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment “Pay Previous Business Day” Backward option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing process date. • If the recurring payment “Pay Next Business Day” Backward option is selectednot selected (or if the Pay Backward? option is not available), the processing process date for the new occurrence of the payment is adjusted to the first business date after the calculated processing process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing process date, then the last calendar day of that month is used as the calculated processing process date. For Single and recurring payments – The system will calculate the “Deliver By Date” of your payment. This is only an estimateRecurring Payments, so please allow ample time YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for your payments each xxxx payment to reach your “Payees”the Payee. Cancelling a Payment Bill payments are processed at various times throughout the business day. A bill (For midwest subscribers, allow 7 days and for west coast subscribers, allow 8 days.) Any xxxx payment transaction can be changed or cancelled any time canceled, provided you access the Online Xxxx Pay Service prior to the scheduled bill cut-off time on the business day prior to the business day the xxxx payment being processedis going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all xxxx payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a xxxx payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a scheduled bill xxxx payment, you agree to pay for such payment is eligible to be edited or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to applyobligations on demand. You are responsible for further agree the Financial Institution, at its option, may charge any and all telephone access fees and/or Internet service fees that may be assessed by of your telephone and/or Internet service provideraccounts with the Financial Institution to cover such payment obligations. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have The financial institution reserves the right to terminate this agreement at any change the cut-off time. We You will ordinarily send you receive notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such it changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” date. Only eligible “Send On” dates can be selected as determined by payments Process Date, provided the system. Currently, payment is submitted prior to the daily cut- off time to schedule a paper check payment to be processed and mailed that same day is 3:00 p.m. CT. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CTon that date. A single payment submitted after the cut-off time can only on the designated Process Date will be schedule with a “Send On” date for processed on the next business day or laterday. If you designate a non-non- business date (generally weekends and certain holidays) as the payment’s processing datepayments Process Date, the payment will be processed on the first business day following the designated processing dateProcess Date. Recurring Payments - RECURRING PAYMENTS When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” date Process Date is calculated for the next occurrence of the payment. If the calculated “Send On” date Process Date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment “payments Pay Previous Business Day” Before option is selected, the processing date Process Date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. Process Date • If the recurring payment “payments Pay Next Business Day” After option is selected, the processing date Process Date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date. Note: Process Date • If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing dateProcess Date, then the last calendar day of that month is used as the calculated processing date. Single and recurring payments – The Process Date For all payment options, the system will calculate the “Deliver By Date” Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”. Cancelling a Payment LIMITS Bill payments Pay limits are processed established by the Bank and are subject to change at various times throughout any given time. YOUR OBLIGATIONS You must supply the business daycorrect payee name and address and the name of the individual being billed as well as the account number as it appears on the payee’s record. A bill You must allow sufficient time for the payee to receive the payment transaction can be changed or cancelled any time prior to before the scheduled bill payment being processeddue date, excluding grace periods. If you do not allow sufficient time for a scheduled bill payment is eligible to be edited or cancelledpayment, you assume full responsibility for all late fees, finance charges and any other actions against you initiated by a payee. The U.S. Postal Service controls the option will appear for that payment. Service Fees delivery date and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminatedthe merchant controls the actual posting date. We have the right to terminate this agreement at cannot guarantee that payments will be delivered and posted within any given period or by any date or time. We will ordinarily send you notice of any terminationPROBLEMS, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers INQUIRIES AND CONTACT INFORMATION IN EVENT OF UNAUTHORIZED TRANSFER Community Bank representatives will be madeavailable to assist you Monday through Thursday, including but not limited from 8:30 a.m. to 4:30 p.m. and on Fridays from 8:30 am to 5:00 p.m. You can contact us by email at xxxxxxxx@xxxxxxxxxxxxxxxxx.xxx or by calling 000-000-0000 with any transfers scheduled in advance questions or any preauthorized recurring transfersproblems you may have regarding Bill Pay services. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service If you believe your account number, user name and/or password has been inactive for a year. We also have lost, stolen or compromised or that someone has transferred or may transfer money from your account without your permission, call the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceableabove phone number.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” 's process date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- cut-off time to schedule a paper check payment to be processed and mailed on that same day is 3:00 p.m. CTdate. The daily cut-off time to schedule an electronic ACH payment for next day processing time, which is 5:00 p.m. CTcontrolled by the Bank, is currently 2:00 PM Mountain Time. A single payment submitted after the cut-off time can only on the designated process date will be schedule with a “Send On” date for processed on the next following business day or laterday. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing 's process date, the payment will be processed on the first business day following the designated processing process date. Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” process date is calculated for the next occurrence of the payment. If the calculated “Send On” process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • * If the recurring payment “payment's "Pay Previous Business Day” Backward" option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing process date. • * If the recurring payment “payment's "Pay Next Business Day” Backward" option is selectednot selected (or if the "Pay Backward" option is not available), the processing process date for the new occurrence of the payment is adjusted to the first business date after the calculated processing process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing process date, then the last calendar day of that month is used as the calculated processing process date. For Single and recurring payments – The system will calculate Recurring Payments, you must allow enough time prior to the “Deliver By Date” of your payment. This is only an estimatedue date, so please allow ample time for your payments each bill payment to reach your “Payees”the Payee. Cancelling You can determine the amount of time required for each payee by clicking on a Payment Bill payments are processed at various times throughout payee in the business daypayee list. A The number of days required will be displayed. Any bill payment transaction can be changed or cancelled any time canceled, provided you access the Bill Pay Service prior to the scheduled bill payment being processed. If a scheduled cut- off time on the business day prior to the business day the bill payment is eligible going to be edited initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Bank. The Bank reserves the right, without liability, to reject or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It reverse a bill payment systemif you fail to comply with this requirement or any other terms of this agreement. Any financial If you do not have sufficient funds in the Account and the Bank has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Bank, at its option, may charge any of your accounts with the Bank to cover such payment obligations. If sufficient funds are not available and the Bank elects to pay or reject the Bill Payment, NSF/Overdraft fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service Refer to your Common Features fee schedule, received when you opened your account, which discloses important information concerning fees that may be assessed by against your telephone and/or Internet service provideraccount. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have The Bank reserves the right to terminate this agreement at any change the cut-off time. We You will ordinarily send you receive notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such cut-off time changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain federal holidays) that you designate as the payment’s “Send On” payments process date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- off cutoff time to schedule a paper check payment to be processed and mailed of 4:30 p.m. ET on that same day is 3:00 p.m. CT. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CTdate. A single payment submitted after the cut-off cutoff time can only on the designated process date will be schedule with a “Send On” date for processed on the next business day or laterday. If you designate a non-business nonbusiness date (generally weekends and certain weekend or federal holidays) as the payment’s processing payment process date, the payment will be processed on the first next business day following the designated processing process date. Recurring Payments - Payments: When a recurring payment is processed, it is automatically rescheduled scheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” date is calculated for the it will default your next occurrence of the payment. If the calculated “Send On” process date is a non-business nonbusiness date (generally weekends and certain weekend or federal holidays), it is adjusted based upon the following rules: • · If the recurring payment “"Pay Previous Business Day” Before" option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing scheduled process date. • · If the recurring payment “"Pay Next Business Day” After" option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date after the calculated processing scheduled process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing scheduled process date, then the last calendar day of that month will become the new process date. Returned Payments/Payment Corrections Payments may be returned by the payee’s financial institution for various reasons. In the event a payment is used returned, the funds will be deposited back into your account within 1 to 2 business days of being notified. The payee will be deleted from your list of payees as the calculated processing dateinformation provided is no longer valid. In order to reprocess the payment, you will need to add a new payee with the updated account information. Payees may be updated for various reasons, the form of payment may be modified to electronic payment from check payment, and payees’ addresses may also be modified as payees provide updates to the third party processor. This process occurs when information is provided from the payee’s financial institution that a change is needed to process the payment correctly. A payee may be deleted in the event the company no longer accepts electronic payments. Note: Assistance is available to update or change payments and payees. Single and recurring payments – Recurring Payments The system will calculate provide the “Deliver By Date” estimated arrival date of your payment. This Please note this is only an estimate, so please estimate and the actual arrival may differ. Please allow ample time for your payments to reach your “Payees”payee. Cancelling Canceling a Payment Bill payments are processed at various times throughout the business day. A bill payment transaction can be changed or cancelled canceled, any time prior to the cutoff time on the scheduled bill payment being processedprocess date. If In the event a scheduled bill payment is eligible sent in error, you have until 12 p.m. the next business day to be edited or cancelled, contact the option will appear for that Credit Union to cancel the payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain federal holidays) that you designate as the payment’s “Send On” payments process date, provided the payment is submitted prior to the daily cutoff times of 8:00 a.m. and 3:00 p.m. ET on that date. Only eligible “Send On” dates can be selected as determined by If the system. Currentlyavailable balance in the account is insufficient to make a scheduled payment at 8:00 a.m., the daily cut- off time to schedule a paper check payment to be processed and mailed that same day is will re-attempt at 3:00 p.m. CT. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CTon the same business day. A single payment submitted after the cut-off 3:00 p.m. cutoff time can only on the designated process date will be schedule with a “Send On” date for processed on the next business day or laterday. If you designate a non-business nonbusiness date (generally weekends and certain weekend or federal holidays) as the payment’s processing payment process date, the payment will be processed on the first next business day following the designated processing process date. Recurring Payments - Payments: When a recurring payment is processed, it is automatically rescheduled scheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” date is calculated for the it will default your next occurrence of the payment. If the calculated “Send On” process date is a non-business nonbusiness date (generally weekends and certain weekend or federal holidays), it is adjusted based upon the following rules: • · If the recurring payment “"Pay Previous Business Day” Before" option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing scheduled process date. • · If the recurring payment “"Pay Next Business Day” After" option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date after the calculated processing scheduled process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing scheduled process date, then the last calendar day of that month will become the new process date. Returned Payments/Payment Corrections Payments may be returned by the payee’s financial institution for various reasons. In the event a payment is used returned, the funds will be deposited back into your account within 1 to 2 business days of being notified. The payee will be deleted from your list of payees as the calculated processing dateinformation provided is no longer valid. In order to reprocess the payment, you will need to add a new payee with the updated account information. Payees may be updated for various reasons, the form of payment may be modified to electronic payment from check payment, and payees’ addresses may also be modified as payees provide updates to the third party processor. This process occurs when information is provided from the payee’s financial institution that a change is needed to process the payment correctly. A payee may be deleted in the event the company no longer accepts electronic payments. Note: Assistance is available to update or change payments and payees. Single and recurring payments – Recurring Payments The system will calculate provide the “Deliver By Date” estimated arrival date of your payment. This Please note this is only an estimate, so please estimate and the actual arrival may differ. Please allow ample time for your payments to reach your “Payees”payee. Cancelling Canceling a Payment Bill payments are processed at various times throughout the business day. A bill payment transaction can be changed or cancelled canceled, any time prior to the applicable cutoff time (either 8:00 a.m. or 3:00 p.m. ET) on the scheduled bill process date. Once the Credit Union begins to process a payment being processed. If a scheduled bill payment is eligible to be edited or cancelledfollowing the applicable cutoff time, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may cannot be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceablecanceled.

Single Payments. a single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” date. Only eligible “Send On” dates can be selected as determined by the system. Currently, the daily cut- off time to schedule a paper check payment to be processed and mailed that same day is 3:00 p.m. CT. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CT. A single payment submitted after the cut-off time can only be schedule with a “Send On” date for the next business day or later. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date. Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” date is calculated for the next occurrence of the payment. If the calculated “Send On” date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: •  If the recurring payment “Pay Previous Business Day” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. •  If the recurring payment “Pay Next Business Day” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date. Single and recurring payments – The system will calculate the “Deliver By Date” of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”. Cancelling a Payment Bill payments are processed at various times throughout the business day. A bill payment transaction can be changed or cancelled any time prior to the scheduled bill payment being processed. If a scheduled bill payment is eligible to be edited or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” processing date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- cut-off time to schedule a paper check payment to be processed and mailed on that same day is 3:00 p.m. CTdate. The daily cut-off time to schedule an electronic ACH payment for next day processing time, which is 5:00 controlled by the Financial Institution, is currently 3:00 p.m. Central Time (CT). A single payment submitted after the cut-off time can only on the designated process date will be schedule with a “Send On” date for processed on the next business day or laterday. If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date. Recurring Payments - – When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” processing date is calculated for the next occurrence of the payment. If the calculated “Send On” processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: •  If the recurring payment payment’s “Pay Previous Business DayBefore” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. •  If the recurring payment payment’s “Pay Next Business DayAfter” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date. Single Business Banking Bill Pay Fees Business Banking customers making payments via check will get their first 20 items free each statement cycle. A $0.50 charge will incur for each additional check after the first 20 free items. The total of the fees will be charged in one transaction at the end of the statement cycle and recurring payments – The system will calculate be charged to the “Deliver By Date” of your account funding the payment. This is only an estimate, so please allow ample time for will reset after the cut of your payments to reach your “Payees”. Cancelling a Payment Bill payments are processed at various times throughout the business day. A bill payment transaction can be changed or cancelled any time prior to the scheduled bill payment being processed. If a scheduled bill payment is eligible to be edited or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceablestatement each month.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s “Send On” date. Only eligible “Send On” dates can be selected as determined by payments Process Date, provided the system. Currently, payment is submitted prior to the daily cut- off time to schedule a paper check payment to be processed and mailed that same day is 3:00 p.m. CT. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CTon that date. A single payment submitted after the cut-off time can only on the designated Process Date will be schedule with a “Send On” date for processed on the next business day or laterday. If you designate a non-non- business date (generally weekends and certain holidays) as the payment’s processing datepayments Process Date, the payment will be processed on the first business day following the designated processing dateProcess Date. Recurring Payments - RECURRING PAYMENTS When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” date Process Date is calculated for the next occurrence of the payment. If the calculated “Send On” date Process Date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment “payments Pay Previous Business Day” Before option is selected, the processing date Process Date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date. Process Date • If the recurring payment “payments Pay Next Business Day” After option is selected, the processing date Process Date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date. Note: Process Date • If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing dateProcess Date, then the last calendar day of that month is used as the calculated processing date. Single and recurring payments – The Process Date For all payment options, the system will calculate the “Deliver By Date” Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”. Cancelling a Payment Bill payments LIMITS Xxxx Pay limits are processed established by the Bank and are subject to change at various times throughout any given time. YOUR OBLIGATIONS You must supply the business daycorrect payee name and address and the name of the individual being billed as well as the account number as it appears on the payee’s record. A bill You must allow sufficient time for the payee to receive the payment transaction can be changed or cancelled any time prior to before the scheduled bill payment being processeddue date, excluding grace periods. If you do not allow sufficient time for a scheduled bill payment is eligible to be edited or cancelledpayment, you assume full responsibility for all late fees, finance charges and any other actions against you initiated by a payee. The U.S. Postal Service controls the option will appear for that payment. Service Fees delivery date and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminatedthe merchant controls the actual posting date. We have the right to terminate this agreement at cannot guarantee that payments will be delivered and posted within any given period or by any date or time. We will ordinarily send you notice of any terminationPROBLEMS, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers INQUIRIES AND CONTACT INFORMATION IN EVENT OF UNAUTHORIZED TRANSFER Community Bank representatives will be madeavailable to assist you Monday through Thursday, including but not limited from 8:30 a.m. to 4:30 p.m. and on Fridays from 8:30 am to 5:00 p.m. You can contact us by email at xxxxxxxx@xxxxxxxxxxxxxxxxx.xxx or by calling 304-485-7991 with any transfers scheduled in advance questions or any preauthorized recurring transfersproblems you may have regarding Xxxx Pay services. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service If you believe your account number, user name and/or password has been inactive for a year. We also have lost, stolen or compromised or that someone has transferred or may transfer money from your account without your permission, call the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceableabove phone number.

Single Payments. a A single payment will be processed on the business Business Day (any day (generally Monday through Fridayexcept Saturday, except certain Sunday and Federal holidays) that you designate as the payment’s “Send On” 's process date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- cut-off time to schedule a paper check payment to be processed and mailed on that same day is 3:00 p.m. CTdate. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CTcurrently 2:00 PM. A single payment submitted after the cut-off time can only on the designated process date will be schedule with a “Send On” date for processed on the next business day or laterfollowing Business Day. If you designate a non-business date Business Day (generally weekends and certain holidays) as the payment’s processing 's process date, the payment will be processed on the first business day Business Day following the designated processing process date. Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” process date is calculated for the next occurrence of the payment. If the calculated “Send On” process date is a non-business date Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment “payment's "Pay Previous Business Daybefore” option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated processing process date. • If the recurring payment “payment's "Pay Next Business Dayafter” option is selectednot, the processing process date for the new occurrence of the payment is adjusted to the first business date Business Day after the calculated processing process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing process date, then the last calendar day of that month is used as the calculated processing process date. Single For single and recurring payments – The system will calculate the “Deliver By Date” of your payment. This is only an estimatepayments, so please allow ample time YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for your payments each xxxx payment to reach your “Payees”the Payee. Cancelling a Payment Bill payments are processed at various times throughout the business day. A bill (For mid-west subscribers, allow 7 days, and for west-coast subscribers, allow 8 days.) Any xxxx payment transaction can be changed or cancelled any time canceled, provided you access the xxxx paying service prior to the scheduled bill cut-off time on the Business Day prior to the Business Day the xxxx payment being processedis going to be initiated. You agree to have available and collected funds on deposit in the Account you designate in amounts sufficient to pay for all xxxx payments requested, as well as any other payment obligations you have to Trustco Bank. Trustco Bank reserves the right, without liability, to reject or reverse a xxxx payment if you fail to comply with this requirement or any other terms of this section. If you do not have sufficient funds in the Account and Trustco Bank has not exercised its right to reverse or reject a scheduled bill xxxx payment, you agree to pay for such payment is eligible to be edited or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to applyobligations on demand. You are responsible for further agree that Trustco Bank, at its option, may charge any and all telephone access fees and/or Internet service fees that may be assessed by of your telephone and/or Internet service providerAccounts with Trustco Bank to cover such payment obligations. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have Trustco Bank reserves the right to terminate this agreement at any change the cut-off time. We You will ordinarily send you receive notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business Business Day (any day (generally Monday through Fridayexcept Saturday, except certain Sunday and Federal holidays) that you designate as the payment’s “Send On” 's process date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- cut-off time to schedule a paper check payment to be processed and mailed on that same day is 3:00 p.m. CTdate. The daily cut-off time to schedule an electronic ACH payment for next day processing is 5:00 p.m. CTcurrently 2:00 PM. A single payment submitted after the cut-off time can only on the designated process date will be schedule with a “Send On” date for processed on the next business day or laterfollowing Business Day. If you designate a non-business date Business Day (generally weekends and certain holidays) as the payment’s processing 's process date, the payment will be processed on the first business day Business Day following the designated processing process date. Recurring Payments - When a recurring payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a “Send On” process date is calculated for the next occurrence of the payment. If the calculated “Send On” process date is a non-business date Business Day (generally weekends and certain holidays), it is adjusted based upon the following rules: • If the recurring payment “payment's "Pay Previous Business Daybefore” option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated processing process date. • If the recurring payment “payment's "Pay Next Business Dayafter” option is selectednot, the processing process date for the new occurrence of the payment is adjusted to the first business date Business Day after the calculated processing process date. Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing process date, then the last calendar day of that month is used as the calculated processing process date. Single For single and recurring payments – The system will calculate the “Deliver By Date” of your payment. This is only an estimatepayments, so please allow ample time YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for your payments each bill payment to reach your “Payees”the Payee. Cancelling a Payment Bill payments are processed at various times throughout the business day. A (For mid-west subscribers, allow 7 days, and for west-coast subscribers, allow 8 days.) Any bill payment transaction can be changed or cancelled any time canceled, provided you access the bill paying service prior to the scheduled bill payment being processed. If a scheduled cut-off time on the Business Day prior to the Business Day the bill payment is eligible going to be edited initiated. You agree to have available and collected funds on deposit in the Account you designate in amounts sufficient to pay for all bill payments requested, as well as any other payment obligations you have to Trustco Bank. Trustco Bank reserves the right, without liability, to reject or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It reverse a bill payment systemif you fail to comply with this requirement or any other terms of this section. Any financial fees associated with your standard deposit accounts will continue If you do not have sufficient funds in the Account and Trustco Bank has not exercised its right to applyreverse or reject a bill payment, you agree to pay for such payment obligations on demand. You are responsible for further agree that Trustco Bank, at its option, may charge any and all telephone access fees and/or Internet service fees that may be assessed by of your telephone and/or Internet service providerAccounts with Trustco Bank to cover such payment obligations. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have Trustco Bank reserves the right to terminate this agreement at any change the cut-off time. We You will ordinarily send you receive notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Single Payments. a A single payment will be processed on the business day (generally Monday through Friday, except certain holidays) Business Day that you designate as the payment’s “Send On” process date. Only eligible “Send On” dates can be selected as determined by , provided the system. Currently, payment is submitted prior to the daily cut- cut-off time to schedule a paper check payment to be processed and mailed on that same day is 3:00 p.m. CTdate. The daily cut-off time to schedule an electronic ACH payment for next day processing time, which is 5:00 controlled by the Bank, is currently 2:00 p.m. CTCST. A single payment submitted after the cut-off time can only on the designated process date will be schedule with a “Send On” date for processed on the next business day or laterfollowing Business Day. If you designate a non-business date non- Business Day (generally weekends and certain holidays) as the payment’s processing process date, the payment will be processed on the first business day Business Day following the designated processing process date. Recurring Payments - Payments. When a recurring payment is processed, it is automatically rescheduled by the bill payment system. Based upon your selected frequency settings for the payment, a “Send On” process date is calculated for the next occurrence of the payment. If the calculated “Send On” process date is a non-business date (generally weekends and certain holidays)Business Day, it is adjusted based upon the following rules: • If the recurring payment payment’s “Pay Previous Business DayBefore” option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date Business Day prior to the calculated processing process date. • If the recurring payment payment’s “Pay Next Business DayAfter” option is selected, the processing process date for the new occurrence of the payment is adjusted to the first business date Business Day after the calculated processing process date. Note: If your frequency settings For single and recurring Payments, YOU MUST ALLOW AT LEAST FIVE TO SEVEN (5-7) BUSINESS DAYS, PRIOR TO THE DUE DATE OF YOUR BILL, for each bill payment to reach the recurring payment specify the 29th, 30th, or 31st day of the month for processing Payee. You agree to have available and that day does not exist collected funds on deposit in the month Account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Bank. The Bank reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this Addendum. If you do not have sufficient funds in the calculated processing dateAccount and the Bank has not exercised its right to reverse or reject a bill payment, then you agree to pay for such payment obligations on demand. You further agree the last calendar day of that month is used as the calculated processing date. Single and recurring payments – The system will calculate the “Deliver By Date” Bank, at its option, may charge any of your paymentAccounts with the Bank to cover such payment obligations. This is only an estimateThe Bank reserves the right to change the cut-off time. You will receive notice if it changes. Furthermore, so please allow ample time for although we anticipate that we will process payments as requested by you using the Service, we reserve the right to select the final method in which to remit funds on your payments to reach your “Payees”. Cancelling a Payment Bill payments are processed at various times throughout the business day. A bill payment transaction can be changed or cancelled any time prior behalf to the scheduled bill payment being processed. If a scheduled bill payment is eligible to be edited or cancelled, the option will appear for that payment. Service Fees and Additional Charges Currently there are no fees charged to customer accounts for using our Vintage Pay It bill payment system. Any financial fees associated with your standard deposit accounts will continue to applyPayee. You are responsible for any late payments and all telephone access fees and/or Internet service any related Payee fees that may be assessed by your telephone and/or Internet service provider. END OF SPECIAL PROVISIONS THAT APPLY TO THE USE OF OUR BILL PAY SERVICES MADE AVAILABLE TO CONSUMERS AND BUSINESS ENTITIES WITHIN VINTAGE BANK KANSAS ONLINE BANKING * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have occur because you scheduled the right payment too close to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for customers that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However, any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceabledue date.