Common use of Stop Payments Clause in Contracts

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request to stop payment on a Check from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request If you want to stop payment on a Check from any Account holder or Authorized Signer. A check you have written, you must place a written stop payment order at the branch office which holds the account before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the payee for us to stop payment on the item. If you provide us with any incorrect information, we will not be effective unless it complies with this section and responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the request and verify that the Check has not been paiditem. You must provide may furnish the stop payment order orally, or in writing. If you give us with an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the Account number, Check number, date, dollar amount and name end of 14 calendar days unless you give us a written notice of the payee of the Check in order for us to process your stop payment requestorder. If this information is not exactUpon confirming the order in writing, your stop payment request the order will not remain in effect for six months and must be effective and we will not be responsible for failing renewed by you every six months to stop the paymentremain in effect. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via renew the stop payment request notification that we send to you or order when it expires, and the item is presented for payment, we may not continue pay the item and charge it to honor ityour account. We will not notify you when your There is a charge for each stop payment request expiresorder and renewal order requested. A stop payment request may only be released order comes too late to prevent us from paying an item if we do not receive the stop payment by the person who requested close of the business hour of the banking day of receipt of the item. Anyone holding the check, including the Bank, may be entitled to enforce payment against you despite the stop paymentpayment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on the check. You do not automatically have the right to stop payment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. If a cashier's check is lost, stolen or destroyed, please contact us for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 days waiting period, we may pay the Stop Payment Fee listed in item to a person entitled to enforce the Fee Schedule for Consumer Accounts for each stop payment requestcheck. You agree to indemnify the Bank for any damages or expenses, including attorneys’ feesIf this happens, we incur due to will not pay your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsclaim.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request ask Us orally to stop payment on a Check from Check. For any Account holder or Authorized Signersuch request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. A stop Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request will not must be effective unless it complies with this section and we given to Us in a timely manner so that We have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment Your request. If this information is not exact, your A written stop payment request will not be is effective and we will not be responsible for failing to stop the paymentsix months. If you do not make your stop payment at the end of six months, You request in writing, upon the Bank’s request you must provide us with written confirmation of the information via Us to continue the stop payment order, that request notification that we send to you or we may not continue to honor itwill be treated as a new request. We will are not notify you when your liable if We pay a Check which You have requested Us to stop payment request expireson as long as We act in good faith and exercise ordinary care. A In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request may only a stop payment. Any release of a stop payment order must be released made by the person who requested made the request. If You ask Us to stop paymentpayment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to pay execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the Stop Payment Fee listed type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the Fee Schedule case of a certified check); or (b) the date We receive the declaration of loss and claim for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or reimbursement together with any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsrequired documentation.

Stop Payments. This section addresses You may initiate a stop payment requests for Checks request on checks drawn on your Accountaccount that we have not paid. (It You may initiate a stop payment request by notifying us in person, by mail, by telephone, through online banking or by such other methods that we may make available to you from time to time. The individual who initiates the stop payment request does not apply need to Cashier’s Checks.) Rules for stopping electronic fund transfersbe the individual who drew the check to which the stop payment applies. You may instruct us to release or cancel a stop payment order, such as ACH paymentseven if you are not the person who initiated the stop payment request. For us to be able to enter a stop payment, you must tell us the exact amount of the check (dollars and cents), the check number, date of check, payee and the full account number on which it is drawn. If the information you give us is not correct or if you do not give us other reasonable information requested about the check, we will not be responsible if we are addressed in not able to affect the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youstop payment. We may accept also cannot be responsible if we are not able to identify the proper check because you have issued more than one check with the same serial number. If you generate your own checks using a request computer or in any other manner which does not produce a magnetically-encoded check number on the check, we will be unable to stop payment on a Check from any Account holder or Authorized Signer. A guarantee that your stop payment request will not be effective unless it complies honored. You therefore agree to indemnify and hold us harmless should we be unable to honor a stop payment order which you have timely and correctly placed on a check with this section and no magnetically- encoded check number. You must give us sufficient notice of your stop payment request so that we have a reasonable opportunity to act on the your request. Your stop payment request and will only be considered effective once we have had a reasonable opportunity to verify that the Check check has not been paid. You must provide may not request a stop payment if we have accepted or certified the check, paid the check in cash, made final payment on the check, or otherwise become accountable for the check under check clearinghouse rules, this Agreement, or Applicable Law. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to transfer to us with all of your rights against the Account number, Check number, date, dollar amount and name payee or other holder of the payee of the Check check and to assist us in any legal action taken against that person. A stop payment order is valid for us to process six (6) months. You may renew your stop payment requestorder for an additional six (6) months by writing to us prior to the expiration of the existing stop payment. The fee for stopping payment is found in the Fee Schedule, as may be amended from time to time. You are not permitted to place stop payment orders on cashier’s checks or official checks. If this information is not exactyou lose a cashier’s check, or official check, or if such an item has been stolen or destroyed, we may require you to provide a declaration of loss and affidavit and to comply with other procedures that we may have before we re-issue the item. We may require that you wait ninety (90) calendar days before honoring your stop payment request will not be effective claim and we will not be responsible for failing liable to stop you if such an item is cashed prior to the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation expiration of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsninety (90) calendar day period.

Stop Payments. This section addresses You and any other authorized signer may make a stop payment requests for Checks drawn order on an Advantage Check by calling your financial professional. You agree that we are authorized to accept a stop payment order. Certain fees may apply, and stop payment orders do not appear on your AccountAccount statement. (It does not apply You or any authorized signer must supply the following information to Cashier’s Checks.) Rules for stopping electronic fund transfers, such us as ACH payments, are addressed in the Electronic Funds Transfers section a condition of this Account Agreement and our online banking agreement with you. We may accept accepting a request to stop payment on a Check from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section and we have a reasonable opportunity to act order: • account number; • date on the request and verify that the Check has not been paid. You must provide us with the Account number, Advantage Check; • Advantage Check number, date, dollar ; • exact amount (dollars and cents) of the Advantage Check; • the name of the payee payee; • information that we may require to verify your identity; and • other information we may reasonably require. If any of the Check in order for us to process your stop payment request. If this required information is not exactprovided or is incorrect, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via effectuate the stop payment request notification order. In order to be effective, a stop payment order must be received in a time and manner that we send gives us a reasonable opportunity to verify that the Advantage Check is unpaid and to act on the request. To stop payment on an Advantage Check, you or we may not continue to honor itan authorized signer must call your financial professional or the service telephone number on your Account statement. We will not notify you when your may require a stop payment request expiresorder to be confirmed in writing within 14 days after a call placing a stop payment order is received. A stop payment order cannot be acted on once we have paid, certified, or accepted the Advantage Check. Each stop payment order will remain in effect for six (6) months but will not be automatically renewed. If the Advantage Check is still outstanding after that time, you may request another stop payment order for the fee specified in the fee schedule applicable to your Advantage Account. You agree that if a stop payment order is not renewed in writing, we may, at our sole discretion, return or pay an Advantage Check presented after the expiration of the order. You agree that stop payments on Advantage Checks may only also be released placed by the person who requested the stop paymentus due to legal process matters or to effectuate other provisions of this Advantage Agreement. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each indemnify, defend, and hold us, including our agents, Affiliates and their respective officers, directors, and employees harmless from all costs, actions, damages, claims liability, and demands related to or arising from actions or omissions involving a stop payment requeston an Advantage Check based on the information you provided. You agree to indemnify In no event shall the Bank above identified parties be liable for any damages special, consequential, or expensescompensatory damages, including loss of profits and/or opportunity, or for attorneys’ feesfees incurred by you, we incur due to your acting or failing to act, upon a stop payment request. You assign to us all rights against the payee order or any other holder of the placing a stop payment upon an Advantage Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This Checks. Unless otherwise provided, the pro- visions in this section addresses stop cover stopping payment requests for Checks drawn on your Accountof Checks. (It does not apply to Cashier’s Checks.) Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, such as ACH paymentsare mentioned elsewhere. Oral and Written Orders. You are generally permitted to make stop payment orders orally; telephone is the most com- mon medium used. To request a stop payment, are addressed in please call the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youStifel Client Services Department at (000) 000-0000. We may accept a request When you place your stop-payment order, the service representative will tell you what information is needed to stop payment on a Check from any Account holder or Authorized Signerpayment. A stop payment request will not be effective unless it complies with this section and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must If you provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment requestorder in writing with respect to an individual Check, you must provide the following information to Stifel: Check writing account number; amount; Check number; name of party to be paid; date; and your name and address. In addition, you are generally permitted to make a stop pay- ment order on a range of checks. If this you provide your stop payment order for a range of checks in writing, you must pro- vide the following information to Stifel: Check writing account number; Check numbers of the first and last Checks in the range; and your name and address. The stop payment information must be exact, since stop-payment orders are handled by computers. If your information is not exact, we cannot assure you that your stop payment request order will not be effective effective, and we will not be responsible for failing failure to stop payment. Who and For How Long. You may stop payment on any Check whether you sign the paymentitem or not. Oral stop payment orders are generally effective for only fourteen calendar days, unless confirmed in writing during that time. Written stop-payment orders (and oral orders confirmed in writing) are generally effective for only six months from the date of the original order. We are not obligated to notify you when a stop-payment order expires. Unless you renew the stop payment in writing for another six months, a Check may be paid even though it is a stale Check. We will accept stop payment orders from any per- son with signing authority on your Account, regardless of who wrote the Check(s). If you do not make your stop want to reverse a stop-payment request in writingrequest, upon the Bank’s request you must provide us with written confirmation contact Stifel, not BNY Mellon or Bank. As a security measure, BNY Mellon and Bank will accept reverse of the information via the stop stop-payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may requests only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsfrom Company.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request to stop payment on a Check from preauthorized electronic funds transfer, a withdrawal order or on any Account holder check, except for cashiers’ checks, official checks or Authorized Signerother cash equivalent items. A We must receive your stop payment request will not be effective unless it complies with this section order at a time and we have in a manner which gives us a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name it prior to payment of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expiresitem. A stop payment request order is effective for six (6) months from the date the order is received and may only be released renewed for additional six-month periods. We will accept stop payment orders issued by any person with signing authority on your Account, regardless of who initiated the person who requested check or other withdrawal order, and even if more than one signature is required on a check or withdrawal order. If you give an oral Stop Payment Order that is not confirmed in writing by you within 14 days, your Stop Payment Order will expire and the stop paymentinstrument may thereafter be paid by us. Stop payment orders are subject to our current charge for that service. You may place a stop payment order at any branch office, by calling us at the telephone number on your statement, by writing to us at the address shown on your statement, through our home banking service, or by any other notice method we agree to honor. We will request information about the check or other withdrawal order to be stopped, which may include your account number, the name of the party to be paid, the amount, the date, your check number, and your name and address. STOP PAYMENT ORDERS ARE PROCESSED BY COMPUTER. UNLESS THE AMOUNT OF THE ITEM AND OTHER INFORMATION ARE REPORTED ABSOLUTELY ACCURATELY, WE CANNOT ASSURE YOU THAT THE ITEM YOU WANT STOPPED WILL NOT BE PAID. In the event that we inadvertently pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each an item over your valid stop payment requestorder, we may refuse to re-credit your Account if you owed the money to the payee(s). You agree will be required to indemnify provide evidence satisfactory to us of the Bank for any damages or expensesamount of your loss. If we re-credit your Account, including attorneys’ fees, we incur due you shall be deemed to your stop payment request. You assign have assigned to us all of your rights against the payee or any other holder of payee(s), both on the Check. You agree to notify item and on the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that underlying claim, and we may take against these parties. State law may permit other limitations on require you to sign an affidavit that you did not receive full value from the transaction for which the check was issued and otherwise cooperate in our obligation to stop paymentsrecovery efforts.

Stop Payments. This section addresses With this Service, you can order stop payments on any checks which have not yet been paid by us. You must be able to provide the correct check number and exact amount of the check. Any loss suffered by you due to your failure to accurately identify the check in the stop payment requests request will be your responsibility. No stop payment order will be effective against a check that has paid prior to the time that we both received the order and had a reasonable period of time to respond to the order. Prior to submitting a stop payment order to us, you agree to access the appropriate account and database information through the Business Online Banking System, other means available to you, or contact us to determine whether the check to which the stop payment order has or has not already been paid. You understand account information and transactions are only available for Checks drawn on your Accountthe retention period available through Business Online Banking. (It does not apply to Cashier’s Checks.) Rules You are responsible for stopping electronic fund transfers, such as ACH payments, are addressed in reviewing past statements for checks issued before the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youprior statement cycle. We may accept If you request a request to stop payment on a Check from any Account holder or Authorized Signer. A check that has been previously paid, the stop payment request order is void. We are not responsible for any liability you may incur as a result of placing a stop payment order on a check that has been paid. You acknowledge that a transaction search through the Business Online Banking System will not necessarily reveal whether a check has been paid until the Banking Day after the Banking Day on which the stop payment order is received by us, and you further acknowledge that a check might not be effective unless it complies with this section shown as paid if paid after the stop payment order and before we have a reasonable opportunity period of time to act respond to the order. Any loss suffered by you due to your decision to issue a new or replacement check, or to take any other action, based on information in the request Business Online Banking System prior to the next Banking Day after the Banking Day on which the stop payment order has been received by us will be your responsibility and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check ours. Stop payment orders remain in order effect for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentsix (6) months. If you do not make your want to extend the Stop payment order, you must place another order. Stop payment orders are automatically canceled when the account on which the check is drawn is closed or at the end of the six month term of the order (unless renewed). If a stop payment request in writingorder expires or is cancelled by you, upon we may pay the Bank’s request check if it is presented for payment, even though it may be stale-dated by that time. We may process stop payment orders that cover a range of checks that are missing or stolen without specifying the dollar amount. In this case, we may require you must provide us with written confirmation of the information via to close your account and open a new one. You should be aware that anyone holding your check, including us, may be entitled to enforce payment against you despite the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop paymentorder. You also agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expensesindemnify, defend, and hold us harmless from all costs (including attorneys’ fees), we incur due to actions, damages, claims, and demands related to, or arising from, our action in stopping payment on your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentscheck.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses At your request, we may stop payment requests for Checks on a check drawn on against your Account. (It does not apply account, as applicable, provided you meet our conditions to Cashier’s Checks.) Rules for stopping electronic fund transferseffect such a request, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with yousubject to a service charge. We may accept the Stop Payment request from any of the joint owners of the account (if the account is jointly owned) whether or not that joint owner is the signer of the check. In order to place a request stop payment order, you must tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order is effective for 6 months, unless renewed in writing prior to the order becoming ineffective. A fee, as set forth in the separate fee schedule, will apply to all stop payment orders, including renewals of stop payment orders. If we fail to honor a timely and accurate stop payment order, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. You do not have the right to stop payment on a Check cashier’s check, an official check, a teller’s check, a certified check, a money order or a traveler’s check you have purchased from any Account holder or Authorized Signerus. A We have no responsibility to stop payment request will on any check or other item not be effective unless it complies with this section conforming to our printing and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsencoding specifications.

Stop Payments. This The provisions in this section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, that are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request applicable to stop payment on a Check from any Account holder or Authorized Signerorders are also applicable to notices of post-dating. A Therefore, the term “stop payment request will order” refers to both an order not be effective unless it complies with this section to pay a check and we have to a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name notice of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentpost-dating. If you do not make your want us to pay a check you have written, you can request that we place a stop payment request on it. You may order us to stop payment of any check; automated clearing house/pre-authorized electronic funds transfer ACH/EFT or other item on your account. Your right to stop payment may be limited. You can notify us in writing, upon contact us by phone at 000.000.0000 or in person at any branch location. If your checks are lost or stolen, contact us immediately to place a stop payment order. A verbal stop payment order takes effect when we record it on your account and is effective for 14 calendar days unless confirmed in writing within that period. A written stop payment order is effective for six months unless renewed in writing. We will charge you a “ stop payment fee” as indicated in the Bank’s request Fee Schedule. A stop payment order against an ACH/EFT is effective until the earlier of: (i) you must withdraw the stop payment order, or (ii) the debit entry is returned, or, where a stop payment order is applied to more than one debit entry under a specific authorization involving a specific party, all such debit entries are returned. We may require you to provide us with written confirmation of a verbal stop order request against an ACH/EFT within 14 calendar days. Additionally, if you request us to stop all future payments pursuant to a specific ACH/EFT authorization involving a particular party, we may require you to confirm in writing. Your stop payment order must include your account number, exact check number and date of check, payee name, and exact amount of the information via check. If this is a joint account, we will accept a stop payment order from any joint owner regardless of who signed the check. The stop payment order must be received by us no later than the business day prior to the business day the item is presented to us. A release of the stop payment request notification that we send to you or we order may not continue to honor itbe made only by the person who initiated the stop payment order. We will not notify you when your be liable except for our failure to exercise ordinary care. If we honor any item subject to a valid stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ feesorder, we incur due will credit your account for the amount of this check when you execute an affidavit describing the dispute with the payee, to your stop payment request. You assign transfer to us all of your rights against the payee or any other holder of the Checkcheck and to assist us in legal action against that person. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree hold us harmless for all liabilities, expenses, and costs incurred by us on account of refusing payment on an item subject to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to your stop paymentspayment order.

Stop Payments. This section addresses The stop payment requests for Checks drawn on your Account. (It does not apply feature within Online Banking allows you to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept submit a request to stop payment on a Check from any Account holder or Authorized Signerchecks you have written. A The Online Banking stop payment request will feature cannot be effective unless it complies used to cancel transfers between your Accounts with this section us or to stop electronic xxxx payments. You may withdraw a stop payment order initiated via Online Banking only in writing or in person at one of our branch offices. Your stop payment requests must follow the procedures and we have a reasonable opportunity to act on specifications established by the request and verify that the Check has not been paidBank. You must provide us with timely, complete and accurate information on the Account number, Check number, date, dollar following: • The number of the account against which the item is drawn • The check number • The exact amount (dollars and cents) of the item • The name of the payee • The reason for the stop payment Complete accuracy is essential since stop payment orders are processed by computers operating on the basis of precise data. If any of the Check in order for us to process your stop payment request. If this required information is not exactincomplete or incorrect, your stop payment request will order may not be effective processed, and we will not be responsible for failing to stop complete the paymentorder. If The Bank shall not be liable if, as a result of payment of the item subject to this request, other items drawn by you do not make your are returned due to insufficient funds. You will notify us promptly of the issuance of a check or item that is a duplicate of the check or item subject to this stop payment request in writingorder, or upon the Bank’s request you must provide us with written confirmation return of the information via the original check. The Bank shall not be liable for payment of any item subject to a stop payment request notification that we send to you order upon the expiration or we may not continue withdrawal of such order, and the Bank may, in its discretion, refuse to honor itany such item pending your instruction. Stop payment requests that cover a range of checks that are missing or stolen may be processed by us without regard to the dollar amount. A stop payment order becomes effective when we confirm its receipt and have verified that the item has not been paid. We will not notify you when be able to verify this immediately for items paid more than 180 days prior to your request. Stop payment orders on checks are in effect for six (6) months and can be renewed after the six (6) month period upon your written request. Failure to renew the stop payment request expiresorder may result in the item being paid. A Periodically, our systems may be inoperable. If that occurs, you may transmit stop payment request may only be released orders by the person who requested the stop paymenttelephone instruction. You agree are advised that under applicable state law, stopping payment on a check may not relieve you of your obligation to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentscheck.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the item on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop-payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop- payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand-written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expiresraise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations on our obligation be entitled to stop paymentsenforce payment against you despite the stop-payment order.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request ask Us orally to stop payment on a Check from any Account holder or Authorized Signershare draft. A stop payment Your request will not must be effective unless it complies with this section and we given to Us in a timely manner so that We have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment Your request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request is effective for six months. If at the end of 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved share draft. If We do pay a share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may only be released by the person who requested the request a stop payment. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier’s, teller or certified check and if You do, You agree to pay execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the Stop Payment Fee listed type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the Fee Schedule case of a certified check); or (b) the date We receive the declaration of loss and claim for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or reimbursement together with any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsrequired documentation.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing written or other confirmation as allowed by us within the time period the Stop Payment Order is in effect. You may be charged a fee every time you request will a stop payment, even if it is a continuation of a previous stop payment request. You understand that we may accept the stop payment request from any of the joint owners of the account regardless of who signed the check or authorized the transfer. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, or on a multiple or future debit entry transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment request orders are binding on us for 14 days only, unless our policy provides otherwise, and must be confirmed by you in writing, upon a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing statement that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request may only be released by the person who requested the stop payment. You agree to pay release of the Stop Payment Fee listed in Order may be made only by an authorized signer on the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsaccount.

Stop Payments. This section addresses The stop payment requests for Checks drawn on your Account. (It does not apply feature within Online Banking allows you to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept submit a request to stop payment on a Check from any Account holder or Authorized Signerchecks you have written. A The Online Banking stop payment request will feature cannot be effective unless it complies used to cancel transfers between your Accounts with this section us or to stop electronic bill payments. You may withdraw a stop payment order initiated via Online Banking only in writing or in person at one of our branch offices. Your stop payment requests must follow the procedures and we have a reasonable opportunity to act on specifications established by the request and verify that the Check has not been paidBank. You must provide us with timely, complete and accurate information on the Account number, Check number, date, dollar following: • The number of the account against which the item is drawn • The check number • The exact amount (dollars and cents) of the item • The name of the payee • The reason for the stop payment Complete accuracy is essential since stop payment orders are processed by computers operating on the basis of precise data. If any of the Check in order for us to process your stop payment request. If this required information is not exactincomplete or incorrect, your stop payment request will order may not be effective processed, and we will not be responsible for failing to stop complete the paymentorder. If The Bank shall not be liable if, as a result of payment of the item subject to this request, other items drawn by you do not make your are returned due to insufficient funds. You will notify us promptly of the issuance of a check or item that is a duplicate of the check or item subject to this stop payment request in writingorder, or upon the Bank’s request you must provide us with written confirmation return of the information via the original check. The Bank shall not be liable for payment of any item subject to a stop payment request notification that we send to you order upon the expiration or we may not continue withdrawal of such order, and the Bank may, in its discretion, refuse to honor itany such item pending your instruction. Stop payment requests that cover a range of checks that are missing or stolen may be processed by us without regard to the dollar amount. A stop payment order becomes effective when we confirm its receipt and have verified that the item has not been paid. We will not notify you when be able to verify this immediately for items paid more than 180 days prior to your request. Stop payment orders on checks are in effect for six (6) months and can be renewed after the six (6) month period upon your written request. Failure to renew the stop payment request expiresorder may result in the item being paid. A Periodically, our systems may be inoperable. If that occurs, you may transmit stop payment request may only be released orders by the person who requested the stop paymenttelephone instruction. You agree are advised that under applicable state law, stopping payment on a check may not relieve you of your obligation to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentscheck.

Stop Payments. This section addresses You may stop payment requests for Checks on a check drawn on your Accountaccount, and we will charge a Stop Payment Request Fee. (It does However, you cannot apply to Cashier’s Checks.) Rules stop payment if we have already certified, paid, or otherwise become responsible for stopping electronic fund transfersthe check. For example, such you cannot stop payment on a check we have already cashed because we became responsible for the transaction as ACH payments, are addressed in the Electronic Funds Transfers section soon as we cashed it. Any one owner or authorized signer of this Account Agreement and our online banking agreement with you. We an account may accept a request order us to stop payment on a Check check drawn on the account. Please see the “Electronic Fund Transfers” section of this booklet for how to place a stop payment on recurring electronic payments. (Also see section “Right to Stop Payment of Preauthorized Debit”.) We will not accept any instructions/requests to effect banking transactions via the Internet, unless expressly authorized under a duly executed Agreement with the Bank (e.g., IDB PassportSM, IDB AccessSM or online banking). To stop payment on a check, you must give us the exact account number, check number, date written, payee and the amount of the check, so we can identify the item. Any discrepancy error, especially in amount (even as small as $.01), check number or account number, will prevent the Bank from any Account holder or Authorized Signerproperly implementing a stop payment order. It may take up to one full business day from the time we receive this information until a stop payment order becomes effective. A stop payment request will not be order is effective unless it complies with this section and we have for a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name minimum of the payee of the Check six (6) calendar months or until canceled by you in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentwriting. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via would like to extend the stop payment request notification that for an additional six (6) calendar months we send to you or we may not continue to honor itmust receive written instructions from you. We will not notify you when send a confirmation of your stop payment request expiresorder. A When the stop payment request order expires, we may only pay the item and have no duty to notify you except for identifying the item as paid on your statement. You agree that you will be released by the person who requested the responsible to us if any claim or demand is made against us as a result of having acted in accordance with your stop paymentpayment order. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank reimburse us for any damages reasonable costs, expenses or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions attorney’s fees that we may take incur in defending ourselves against these partiesany such claims or demands. State law may permit other limitations We are not required to accept a stop payment on a cashier’s check, teller’s check (“official check”), or certified check, unless you provide us with a sworn statement – in a form we deem acceptable – that the check is lost, stolen, or destroyed. After a stop payment is placed, we are not required to refund the money used to purchase the check, or issue a replacement check, until and unless the check is not presented for payment within 90 days after the issue or certification date. If in our obligation discretion we agree to stop paymentsrefund or replace the check, we will require that you purchase a surety bond for the amount of the check.

Stop Payments. This section addresses At your request, we may stop payment requests for Checks on a check drawn on against your Account. (It does not apply account, as applicable, provided you meet our conditions to Cashier’s Checks.) Rules for stopping electronic fund transferseffect such a request, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with yousubject to a service charge. We may accept the stop payment request from any account owner or authorized signer whether or not that individual is the signer of the check. In order to place a request stop payment order, you must tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order is effective for 6 months, unless renewed in writing prior to the order becoming ineffective. A fee, as set forth in the separate fee schedule(s), will apply to all stop payment orders, including renewals of stop payment orders. If we fail to honor a timely and accurate stop payment order, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. You do not have the right to stop payment on a Check cashier’s check, an official check, a teller’s check, a certified check or a traveler’s check you have purchased from any Account holder or Authorized Signerus. A We have no responsibility to stop payment request will on any check or other item not be effective unless it complies with this section conforming to our printing and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsencoding specifications.

Stop Payments. This section addresses stop payment requests for Checks drawn Any authorized signer on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We an account may accept a request to stop payment on a Check from any Account holder check or Authorized Signerdraft drawn on the account, if the check or draft has not already been paid or cashed by the Bank. You may request a stop payment on an Automated Clearing House (ACH) debit to your account if the item has not already been paid. You are responsible for notifying the originator/sender that you have revoked your previous authorization for ACH debits. Please refer to the Electronic Fund Transfer Agreement and Disclosures section for more details. You may not stop payment on a Debit Card point-of-sale transaction, ATM transaction or a transaction that you initiate by check, which a merchant converts to an electronic transfer at the point of sale. You must describe with certainty the check or draft to be stopped. If you do not provide the check number, payee and the exact amount of the item, we will not be liable for misidentification or payment of the item and failure to honor the stop payment order. A stop payment request will not order must be effective unless it complies with this section and we have received in such a manner that affords us a reasonable opportunity to act on the request and verify upon it. In some cases, we may pay an item even if a stop payment order is in process. For example, if one of our Banking Offices, without notice of your request, cashes a check that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for you have asked us to process your stop, we may still pay the check. If the Bank pays an item over a valid and timely stop payment requestorder, the Bank is responsible only to the extent that you can establish that you have incurred actual damages. If this information your account is not exactre-credited, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign transfer to us all of your rights against the payee or any other holder of the Checkitem, and to assist us in legal action taken later against that person. You agree There may be a fee for the special handling involved with a stop payment order. If you make an oral stop payment, you will be required to notify confirm the request in writing within 14 days after the Bank promptly if received the oral stop payment, unless the Bank sends a duplicate stop payment confirmation, which will suffice as the written request. A stop payment order on a check for a consumer account or a check or ACH for a non-consumer account will be effective for six months from the date of the written request unless renewed prior to the expiration of the request. If not renewed, an item that is issued presented or re- presented to the original Bank for payment may be paid. Each renewal is returnedtreated as a new stop payment order and subject to the Bank’s stop payment fee. You agree A release or cancellation of a stop payment order may be given by any Depositor or authorized signer on the account; however, such a release or cancellation must be delivered to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to writing unless the Bank sends a stop paymentspayment release or cancellation confirmation, which will suffice as the written request.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time an way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months, or 2) until we receive written revocation of the stop payment. If the item on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request ask us to stop payment on individual checks or on two or more checks with consecutive numbers, if the check or checks have not already paid. We will not honor stop payment orders on cashier’s checks, guaranteed checks, certified checks, or money orders unless you have met all of the requirements for placing a Check from any Account holder stop payment on those types of checks. Information on how to stop payment on electronic transfers is disclosed elsewhere. You cannot stop payment on a point of sale, ATM or Authorized Signerdebit card transaction. A stop payment request order must be received in time to give us a reasonable opportunity to act on it before our stop payment cut-off time. Our stop payment cut-off time is one hour after the opening of the next Business Day after the Business Day on which we receive the check. Additional limitations on our obligation to stop payment are provided by law. A stop payment order must precisely identify the account number, check number, date, amount of the check, and the payee. The account number, check number and check amount must also be accurately reflected on the MICR line of the check. You agree that we cannot stop payment on the check if the information on the MICR line is not correct. For example, if you give us the wrong amount of the check and the information is only wrong by one cent ($0.01) or if the check number you provide us is only wrong by one digit, we will not be able to stop payment on the check. You agree that we are not liable to you for payment of any check over a stop payment order if you do not provide the exact information regarding the check. You may notify us by mail, telephone, in person at the Bank, or by any other method we make available. If you notify us by telephone, you must confirm your stop payment order in writing within 14 calendar days; and if you do not provide written confirmation within that time, we may remove the stop payment order. If confirmed in writing, stop payment orders are effective unless for six (6) months. You will place a new stop payment order prior to the expiration of the current stop payment order if you do not want us to pay the check after the current stop payment order expires. You will be charged a fee every time you request a stop payment, even if it complies with this section and is a continuation of a previous stop payment order. You understand that we may accept the stop payment order from any of the authorized signers of the account regardless of who signed the check or authorized the transfer. Our acceptance of a stop payment order does not constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paidstop payment order. You must provide us with may cancel the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentorder at any time. If you do not make your give us oral instructions to cancel, we may require that you confirm them in writing. We cancel the order automatically when the account on which the check is drawn is closed or transferred. The stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via order expires after the stop payment request notification that we send to period ends, unless you reissue the stop payment order. If the check is presented for payment after the stop payment order expires or is canceled, we may not continue to honor itpay the check. We will not notify you when your If we pay a check over a stop payment request expires. A stop payment request may only be released by order, you agree that your damages, if any, are limited to the person who requested face amount of the stop paymentcheck. You agree to pay the Stop Payment Fee listed in the Fee Schedule reimburse us for Consumer Accounts for each any loss we might suffer as a result of stop payment requestorder if we acted in good faith or exercised ordinary care. You also agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, that if we incur due to your pay a check over a stop payment request. You assign order, you may be liable to a holder in due course for the amount of the check or to us all under our rights against the payee or any other of subrogation of a holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsdue course.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s If Stop Payments on Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the State of West Virginia, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses With this Service, you can order stop payments on any checks which have not yet been paid by us. You must be able to provide the correct check number and exact amount of the check. Any loss suffered by you due to your failure to accurately identify the check in the stop payment requests request will be your responsibility. No stop payment order will be effective against a check that has paid prior to the time that we both received the order and had a reasonable period of time to respond to the order. Prior to submitting a stop payment order to us, you agree to access the appropriate account and database information through the Business Online Banking System, other means available to you, or contact us to determine whether the check to which the stop payment order has or has not already been paid. You understand account information and transactions are only available for Checks drawn on your Accountthe retention period available through Business Online Banking. (It does not apply to Cashier’s Checks.) Rules You are responsible for stopping electronic fund transfers, such as ACH payments, are addressed in reviewing past statements for checks issued before the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youprior statement cycle. We may accept If you request a request to stop payment on a Check from any Account holder or Authorized Signer. A check that has been previously paid, the stop payment request order is void. We are not responsible for any liability you may incur as a result of placing a stop payment order on a check that has been paid. You acknowledge that a transaction search through the Business Online Banking System will not necessarily reveal whether a check has been paid until the Banking Day after the Banking Day on which the stop payment order is received by us, and you further acknowledge that a check might not be effective unless it complies with this section shown as paid if paid after the stop payment order and before we have a reasonable opportunity period of time to act respond to the order. Any loss suffered by you due to your decision to issue a new or replacement check, or to take any other action, based on information in the request Business Online Banking System prior to the next Banking Day after the Banking Day on which the stop payment order has been received by us will be your responsibility and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check ours. Stop payment orders remain in order effect for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentsix (6) months. If you do not make your want to extend the Stop payment order, you must place another order. Stop payment orders are automatically canceled when the account on which the check is drawn is closed or at the end of the six (6) month term of the order (unless renewed). If a stop payment request in writingorder expires or is cancelled by you, upon we may pay the Bank’s request check if it is presented for payment, even though it may be stale-dated by that time. We may process stop payment orders that cover a range of checks that are missing or stolen without specifying the dollar amount. In this case, we may require you must provide us with written confirmation of the information via to close your account and open a new one. You should be aware that anyone holding your check, including us, may be entitled to enforce payment against you despite the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop paymentorder. You also agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expensesindemnify, defend, and hold us harmless from all costs (including attorneys’ fees), we incur due to actions, damages, claims, and demands related to, or arising from, our action in stopping payment on your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentscheck.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request to stop payment on a Check check drawn on your account, and we will charge a Stop Payment Request Fee. However, you cannot stoppayment if we have already certified, paid, or otherwise become responsible for the check. For example, you cannot stop payment on a check we have already cashed because we became responsible for the transaction as soon as we cashed it. Any one owner or authorized signer of an account mayorder us to stoppayment on a checkdrawn on the account. Please see the “Electronic Fund Transfers” sectionof this booklet for how to place a stoppayment on recurring electronic payments. (Alsosee section “Right to Stop Payment of Preauthorized Debit”.) We will not accept any instructions/requests to effect banking transactions via the Internet, unless expressly authorized under a duly executed Agreement with the Bank (e.g., IDB PassportSM, IDB AccessSM oronline banking). To stop payment on a check, you must give us the exact account number, checknumber, date written, payee andthe amount of the check, so we can identify the item. Any discrepancy error, especially in amount (even as small as $.01), check number or account number, will prevent the Bank from any Account holder or Authorized Signerproperly implementing a stop payment order. It may take up to one full business day from the time we receive this information until a stoppayment order becomes effective. A stop payment request will not be order is effective unless it complies with this section and we have for a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name minimum of the payee of the Check six (6) calendar months or until canceled by you in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentwriting. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via would like to extend the stop payment request notification that for an additional six (6) calendar months we send to you or we may not continue to honor itmust receive written instructions from you. We will not notify you when send a confirmation of your stop payment request expiresorder. A When the stop payment request order expires, we may only pay the item and have no duty to notify you except for identifying the item as paid on your statement. You agree that youwill be released by the person who requested the responsible to us if anyclaim or demand is made against us as a result of havingacted in accordance with your stop paymentpayment order. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank reimburse us for any damages reasonable costs, expenses or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions attorney’s fees that we may take incur in defending ourselves against these partiesany such claims or demands. State law may permit other limitations We are not requiredto accept a stoppayment on a cashier’s check, teller’s check(“official check”), or certified check, unless you provide us with a sworn statement – in a form we deem acceptable – that the check is lost, stolen, or destroyed. After a stop payment is placed, we are not required to refund the money used to purchase the check, or issue a replacement check, until and unless the check is not presented for payment within 90 days after the issue or certification date. If in our obligation discretion we agree to stop paymentsrefund or replace the check, we will require that you purchase a surety bond for the amount of the check.

Stop Payments. This section addresses You may request that we stop payment requests for Checks drawn on a check or ACH debit entry that has not already been paid from your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youaccount. We may accept the stop payment request from any account owner or authorized signer whether or not that individual signed the check or authorized the ACH debit entry. In order to place a request stop payment order, you must describe with reasonable certainty the check (exact amount of the check, the check number, and the account number) or ACH debit entry (exact amount of the ACH debit entry and/or name of the payee if the payee has previously debited the account); otherwise, our automated system may not stop the payment. We are not responsible if the check or ACH debit entry in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop payment order to process it through our automated system. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check or ACH debit entry is binding on us only for 14 days unless confirmed by you in writing within this period. A written stop payment order on a check is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a business account, a written stop payment order on an ACH debit entry is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a consumer account, a written stop payment order on an ACH debit entry is effective until revoked by you in writing or the return of the ACH debit entry, whichever occurs first. If we fail to honor a timely and accurate stop payment order on a check, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign, upon our request, a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. If your account is a personal (consumer) account, special rules apply when you wish to stop payment on a Check from any Account holder or Authorized Signerpreauthorized electronic fund transfer. For more information, see Part V, Section G.7 – Preauthorized Payments. A fee, as set forth in the separate service charge schedule(s), will apply to all stop payment request will not be effective unless it complies with this section and we have a reasonable opportunity to act on the request and verify that the Check has not been paidorders, including renewals of stop payment orders. You must provide us with do not have the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us right to process your stop payment requeston a cashier’s check, official check, teller’s check, certified check or traveler’s check you have purchased from us. If this information is not exact, your We have no responsibility to stop payment request will on any check or other item not be effective conforming to our printing and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsencoding specifications.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop- payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee.‌‌ You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop-payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Digital One Business are considered signed electronically by the person logged into the system and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand- written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expires. raise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed.‌ A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop-payment order.‌‌ Xxxx Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to cancel a processed payment, please contact our Electronic Banking Department at (000) 000-0000 for assistance. Xxxx Pay Surrey Bank & Trust makes optional Xxxx Pay service available to customers as a convenience. You do not need to use Xxxx Pay to have access to Digital One Business. When you use the Xxxx Pay service, you authorize us to debit your account and remit funds on our obligation your behalf. We reserve the right to stop paymentsrefuse to pay any payee designated by you. If we do so, we will notify you.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request ask us to stop payment on individual checks, or on two or more checks with consecutive numbers, if the item or items have not already been paid. A stop-payment order must be received in time and with adequate information to give us a Check reasonable opportunity to act on it in the normal course of business. Additional limitations on our obligation to stop payment are provided by law. A stop-payment order must precisely identify the Account number, check number, date, and amount of the item, and the payee. The information must also be accurately reflected on the magnetic ink character recognition (MICR) line of the check. You agree that we cannot stop payment on the check if the information on the MICR line is incomplete or incorrect. You may request a stop- payment order in person by visiting one of our branches, a list of which can be found at xxx.xxxxxxxxxxxx.xxx. You may also request a stop-payment order by calling 0-000-000-0000. If you attempt to issue a stop-payment order by telephone, we will confirm your stop- payment order in writing and the information in our confirmation will be presumed accurate and complete unless you notify us of an inaccuracy within fourteen (14) calendar days after we send you the confirmation notice. If you do not receive the confirmation notice in a timely manner, please let us know and request it again. Stop payments on checks are effective for 180 calendar days. You must place a new stop payment if you do not want us to pay the check after the previous stop-payment order expires. You will be charged a fee every time you request a stop payment, even if it is a renewal of a previous stop-payment request. You could also decide to close the Account. You understand that we may accept or cancel the stop-payment request from any of the owners or authorized signers of the Account holder regardless of who signed the check or Authorized Signerauthorized the transfer. A stop Our acceptance of a stop-payment request will does not be effective unless it complies with this section constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. If we have not already paid an ACH debit from your Account, then at your request and risk we may accept a stop-payment order on it. The stop-payment order takes effect within three (3) business days after we receive sufficient detail to place the stop-payment and have a reasonable opportunity to act on it in the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name normal course of the payee of the Check in order for us to process your stop payment requestbusiness. If this information is not exactyou issue a stop-payment order by telephone, your stop payment request will not be effective and we will not confirm your stop-payment order in writing and the information in our confirmation will be responsible for failing to stop presumed accurate and complete unless you notify us of an inaccuracy within fourteen (14) calendar days after we send you the paymentconfirmation notice. If you do not make receive the confirmation notice in a timely manner, please let us know and request it again. Otherwise, your order is effective for 180 calendar days; provided, however, for recurring ACH debits on consumer Accounts, we keep a stop-payment order you place on recurring ACH debits in effect until the longer of either 180 calendar days or until we believe the merchant has stopped submitting the recurring ACH debit. To place a stop-payment order on an ACH debit, we may require you to provide your name and telephone number, the type of Account (checking or savings), the company name and company identification number used by the sender of the ACH debit. You can obtain the company name and company identification number used by your sender from your statement by looking at a prior ACH debit from this sender that posted to your Account. If you give us the wrong company identification number or if any other information you provide is not accurate, we may pay the transaction. If the information you provide us for any stop payment is incorrect or incomplete (i.e. if the information is not sufficient for us to match the check or ACH debit on which you wish to stop payment) or if the item on which you place a stop-payment order does not contain magnetic-encoded check number, our computer system may not be able to match the check or ACH debit with the stop-payment request in writingprior to such check or ACH debit posting to your Account. If we are subsequently able to identify the check or ACH debit as a match to your stop-payment request during our reconcilement process, upon despite the Bank’s request you must provide us with written confirmation missing or incorrect information (each such matched check or ACH debit, a "Matched Stop Payment Item"), we may be able to try to then reverse the posting of the information via Matched Stop Payment Item and re-credit the stop payment request notification funds to your Account on the next business day after it posted. During the interim between posting and re-credit, however, your available balance will be reduced by the amount of the check or ACH debit that was posted and you will not have access to such funds. You agree that we send will not be liable to you for wrongful dishonor of any NSF item (i.e. any check, debit card transaction, ATM card transaction, ACH transfer, withdrawal or other debit item) that is not paid by us or is returned by us unpaid due to insufficient funds during the period of time between the posting and re-credit of the Matched Stop Payment Item, nor will we be liable for or obligated to waive any NSF or overdraft fee that may not continue be charged to honor ityour Account as a result of our return or payment of such NSF item. We will are not required to notify you when the stop-payment order expires, after which time any item we honor or pay will be deemed conclusively paid and you waive any claim to the contrary. If we refuse to pay an item pursuant to your stop stop-payment request expires. A stop payment request may only be released order, you release us and hold us harmless from all costs and expenses incurred by the person who requested the stop payment. You agree us, including our attorney’s fees, resulting from our refusal to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop item. If we re-credit your Account after paying an item over a valid stop-payment request. You order, you agree to indemnify the Bank for any damages assign or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign otherwise transfer to us in writing all of your rights you have against the payee or any other holder of the Checkitem. You further agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with assist us in any legal actions that action we may take against these partiessuch payee or holder. State law If we fail to honor a valid stop-payment order, we reserve the right to require you to demonstrate to our reasonable satisfaction the amount of your loss and we may permit other limitations on our obligation only be liable to you for the lesser of the amount of the loss or the amount of the item. You do not have the right to stop paymentspayment on an official check, a cashier’s check, a teller’s check, a certified check, a money order or a traveler’s check you have purchased from us, except as expressly stated below.

Stop Payments. This section addresses Allows your Authorized Representatives to initiate stop payment requests for Checks payment(s) on check(s) drawn on your AccountEligible Accounts via on-line instructions to the Financial Institution, irrespective of the signer on the item. (It does This feature cannot apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request be used to stop payment on an automated clearing house (ACH) transfer, a Check wire transfer, a debit card transaction, or a paper draft. To access the Stop Payment Service, your Authorized Representative must log-on to the services by entering his or her Access Codes as directed by the Internet Banking screen message and select “Stop Payments” from the account level menu. To be effective, the stop-payment order must precisely identify the number, amount of the item, and the payee. You authorize us to follow the Stop Payment instructions that we receive on-line via access that was gained through the use of the Access Codes for the appropriate Authorized Representative(s) and to debit the Eligible Account (or any Account holder or Authorized Signer. A of your other accounts) for a stop payment request will not be effective unless it complies fee in accordance with this section and we have the Financial Institution’s current schedule of fees. We must receive the Stop Payment instruction in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Our stop- payment cutoff time is one hour after the request opening of the next banking day after the banking day on which we receive the item, unless we have, due to certain “same day” transactions, essentially honored the item before the cutoff time, such as would occur if we paid the item in cash or we issued a cashier’s check, or other official check, for the item. We will acknowledge our receipt and verify processing of Stop Payment instructions by an “approved” message appearing on the Stop Payment screen. Given the above limitations about certain “same day” transactions, however, such “approved” message does not mean that the Check Financial Institution has not been paidsuccessfully stopped payment on the item. You must provide us with the Account number, Check number, date, dollar amount and name Stop Payment requests are valid for a period of the payee of the Check in order for two (2) years unless your Authorized Representatives instructs us to process your cancel it or to renew it, provided that we have not already returned the check. The order may be renewed for additional two (2) years periods at the fee in effect when the renewal is placed. Your Authorized Representative may cancel a stop payment requestat any time, in person, at the Financial Institution, or by calling the Financial Institution’s Customer Service Center at 000-000-0000. If this information we are notified by telephone, we will request that your Authorized Representative confirm your request in writing. We may pay the check when the stop payment order expires. If you write a new check to replace one on which you have placed a stop payment order, be sure it has a different check number and date. It is also helpful to write the word “replacement” on it so it is not exact, mistaken for the original check. Stop payment requests sent to us via electronic mail (via your stop payment request personal or company email system) or in any manner other than the procedures set forth in this paragraph will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsaccepted.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months or other time period not less than six months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your stop payment request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, upon in a period of time that provides us a reasonable opportunity to act on it prior to acting on the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay debit entry, otherwise the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each Order shall be of no effect. If you requested a stop payment request. You agree to indemnify the Bank for any damages on a multiple or expenses, including attorneys’ feesfuture debit entry transfer, we incur due must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled debit entry. Requests to your stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment requestorders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. You assign to us all rights against A Stop Payment Order on an ACH debit remains in effect until the payee or any other holder earlier of 1) your withdrawal of the Check. You agree Stop Payment Order, 2) the return of the debit entry, or, where a Stop Payment Order is applied to notify more than one debit entry under a specific authorization involving a specific payee (Originator), the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.return of all such debits, or

Stop Payments. This section addresses  You may place a stop payment, utilizing CeB, on any check that you have written. If you do, you agree to the following terms and conditions: o The information on the stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in must precisely identify the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request to stop payment on a Check from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account check number, Check number, date, dollar the payee and the amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentcheck. If you do not make your give exact information, the Bank assumes no responsibility for stopping payment. o The stop payment request must be received in writingtime to give us a reasonable time to act upon it. Stop payments received before 3:00 p.m. on Monday through Friday, upon excluding legal holidays are processed on the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you day received. Stop payments received after 3:00 p.m. or we on a weekend or legal holiday may not continue to honor it. We will not notify you when your stop payment request expiresbe processed until the next business day. A stop payment request may only must be released by received before the person who requested check has been presented for payment. o The stop payment order is effective for six months unless renewed through CeB or in writing before the expiration of six months. If the stop paymentpayment order is not renewed before the expiration of six months, it will automatically terminate and the Bank is free to pay the check. In such an instance, you hereby agree to release and do waive any and all claims against the Bank with respect to the stop payment order or the check itself and you further agree to indemnify and hold the Bank harmless with regard to any and all claims involving the stop payment order and/or check, which includes the Bank’s reasonable attorney fees and costs. o You understand that there may be claims or demands made against the Bank as a result of your request to the Bank. You agree that you will defend the Bank and will be responsible to pay the Stop Payment Fee listed in Bank if any claim or demand of whatever nature, is made against the Fee Schedule for Consumer Accounts for each Bank with respect to a stop payment requestorder and/or the check itself. You agree to indemnify and defend the Bank and to reimburse the Bank for any damages reasonable costs, expenses or expenses, including attorneys’ fees, we attorney’s fees that the Bank may incur due in defending itself against any such claims or demands. You understand that the Bank will use all reasonable efforts to your comply with a stop payment requestorder. You assign to us all rights against However, you understand fully that unless the check number, the payee or any other holder and the amount of the Checkcheck are correctly entered on the stop payment order, the Bank assumes no responsibility for stopping payment and is not liable to you if a stop payment cannot be accomplished. o You agree to notify pay a stop payment fee, as noted in ConnectOne Bank’s Miscellaneous Bank Fees and Charges, for each new stop payment and for each renewal of a stop payment entered through CeB. o You must contact the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentspayment on automatic debits processed by the Automated Clearing House (ACH), as this request requires additional documentation to be completed.

Stop Payments. This section addresses You, or any joint owner on the account, may request a stop payment requests for Checks drawn on of any check payable against your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfersaccount, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement provided your request is timely and our online banking agreement with you. We may accept a request to stop payment on a Check from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section and we have affords us a reasonable opportunity to act on the request and verify that the Check has not been paidupon it under our rules. You may request a stop payment through our CALL-24 system, our Online Banking system, or you may ask us orally. Your stop payment request must provide us with include your name, the Account numberdate of the check, Check number, date, dollar amount and name of the payee of the Check in order check, the check number, your account number, exact amount (dollar and cents) of the check, and the reason for us to process your the request. This information must be exact because stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor itorders are processed using automated means. We will not notify you when your be liable for paying a check over a stop payment request expiresif the request is incomplete or incorrect. A stop payment fee will be assessed for each stop payment order or renewal thereof as set forth in our Fee Schedule. If you make a stop payment request orally, the request will be valid for only fourteen (14) days thereafter unless confirmed in writing. Stop payments initiated using Online Banking are not considered accepted until we provide a stop payment confirmation to you. The ability to place a stop payment on a check through Online Banking or our automated phone system may only be released limited by system availability. If the person who requested system is not available to accept your stop payment order, the stop paymentorder may be placed by contacting any Redstone branch during normal business hours. Written requests will be valid no longer than six (6) months but may be renewed for additional six (6) month periods by written notice given during the time that the stop payment order is in effect. We are not obligated to notify you when a stop payment order will or has expired. You agree have the burden of establishing the fact and amount of loss resulting from payment contrary to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each a binding stop payment request. You agree should be aware that anyone holding the item may be entitled to indemnify enforce payment against you despite the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop stop-payment request. You assign to us all rights against the payee or any other holder of the Checkorder. You agree to notify the Bank promptly if a duplicate indemnify, defend, and hold us harmless from and against any and all claims, damages, losses, liabilities, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to our action in stopping payment of any check is issued or the original is returned. You agree pursuant to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsyour request.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months, or 2) until we receive written revocation of the stop payment. If the item on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires, we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses You may request that we stop payment requests for Checks drawn on a check or ACH debit entry that has not already been paid from your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youaccount. We may accept the stop payment request from any account owner or authorized signer whether or not that individual signed the check or authorized the ACH debit entry. In order to place a request stop payment order, you must describe with reasonable certainty the check (exact amount of the check, the check number, and the account number) or ACH debit entry (exact amount of the ACH debit entry and/or name of the payee if the payee has previously debited the account); otherwise, our automated system may not stop the payment. We are not responsible if the check or ACH debit entry in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop payment order to process it through our automated system. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check or ACH debit entry is binding on us only for 14 days unless confirmed by you in writing within this period. A written stop payment order on a check is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a business account, a written stop payment order on an ACH debit entry is effective for 6 months, unless renewed in writing prior to the order expiring. If your account is a consumer account, a written stop payment order on an ACH debit entry is effective until revoked by you in writing or the return of the ACH debit entry, whichever occurs first. If we fail to honor a timely and accurate stop payment order on a check, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign, upon our request, a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. If your account is a personal (consumer) account, special rules apply when you wish to stop payment on a Check from any Account holder or Authorized Signerpreauthorized electronic fund transfer. For more information, see Part V, Section H.7 – Preauthorized Payments. A fee, as set forth in the separate service charge schedule(s), will apply to all stop payment request will not be effective unless it complies with this section and we have a reasonable opportunity to act on the request and verify that the Check has not been paidorders, including renewals of stop payment orders. You must provide us with do not have the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us right to process your stop payment requeston a cashier’s check, official check, teller’s check, certified check or traveler’s check you have purchased from us. If this information is not exact, your We have no responsibility to stop payment request will on any check or other item not be effective conforming to our printing and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsencoding specifications.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request If you want to stop payment on a Check from any Account holder or Authorized Signer. A check you have written, you may place a written stop payment request order at a branch or contact our Call Center to stop payment before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. You must furnish us with the date, the check number, and the exact amount of the check and the name of the payee in order for us to stop payment on the item. If you provide us with any incorrect or incomplete information, we will not be effective unless it complies with this section and responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the request and verify that the Check has not been paiditem. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your may not stop payment requeston a check guaranteed by us. If this information is not exact, your You may furnish the stop payment request order orally or in writing. The order will not remain in effect for six (6) months and must be effective and we will not be responsible for failing renewed by you every six (6) months to stop the paymentremain in effect. If you do not make renew the stop payment order when it expires and the item is presented for payment, we may pay the item and charge it to your account. There is a charge for each stop payment order and renewal order requested. See Fee Schedule. In some cases, we may pay an item even if a stop payment request is in writingeffect. If we, upon the Bank’s request you must provide or another person or entity, is determined by us with written confirmation to be a “holder in due course” of the information via item, we may pay the item. If we pay a check which has a valid stop payment request notification that order on it with correct information, we send may be responsible to you or for up to the face amount of the item if you establish that you have suffered a loss because we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by paid the person who requested the stop paymentitem. You agree to pay assign to us all of your rights against the Stop Payment Fee listed payee and/or any other holder of your check. You also agree to cooperate fully with us in any collection or legal actions that we subsequently take against such persons. Anyone holding the Fee Schedule for Consumer Accounts for each check, including the Bank, may be entitled to enforce payment against you despite the stop payment requestorder. You agree to indemnify indemnify, defend, and hold us harmless from all costs, actions, damages, claims and demands related to or arising from our action in stopping payment on the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment requestcheck. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.SUBSTITUTE CHECKS AND YOUR RIGHTS

Stop Payments. This section addresses You may ask us not to pay any preauthorized electronic transfer or check you have written from an Account of yours (each, a “Transaction”), except if they payment is in the form of a certified check, managers check, or any other check that is governed by a check guarantee agreement, within at least three (3) Business Days before the schedule date of the transfer. Such requests may only be submitted in written form and through a BIBTC Stop Payment Request Form. All stop payment requests must be made to an authorized BIBTC employee by an Authorized Signatory. You must give us the name of the payee and the exact date, number and amount of any Transaction you ask us not to pay. You must also give us any other information we request in order for Checks drawn us to identify you and the stopped Transaction, and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. If you fail to do so, we will have no liability for failure to honor your stop-payment request. Written stop-payment requests are valid for six (6) months and may be renewed in writing any number of times. If your request was made verbally, you must submit a written confirmation within fourteen (14) days from the day you submitted your verbal stop-payment request. If the verbal stop payment request was not confirmed in such fourteen (14) day period, your stop-payment request will be cancelled. Your failure to give written notice shall not affect the validity of the stop- payment until expiration of the six (6) month term or our cancellation of the stop-payment, whichever occurs first. The stop-payment request of a recurring preauthorized transfer will suspend all further payment to the stated payee under this stated payment schedule until you notify us to resume. Each stop-payment order will take effect and be processed on the Business Day following the Business Day it was placed, so that we may have reasonable opportunity to act upon it. Stop- payment orders placed on a day that is not a Business Day will be deemed to be placed on the next Business Day following the actual day it was placed. In that event, the stop-payment order will take effect on the second Business Day. You agree that an Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We Authorized Signatory may accept a request ask us to stop payment on of any Transaction, even if the Transaction was executed by another individual. You will be charged a Check fee each time you ask us (orally or in writing) not to pay a Transaction and each time you renew any such request. The amount of this fee is shown in each of your Account’s Terms and Conditions and may be changed by us from any Account holder or Authorized Signertime to time. A stop payment request We will not be effective unless it complies with this section and liable for failing to honor a stop-payment request if we did not have a reasonable time to act on the request, or if our failure to stop a payment causes some checks to be returned for insufficient funds. Our acceptance of a stop-payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. We may accept a stop-payment request and verify that the Check has not been paidon lost or stolen checks, whether a single check or a series, unless we believe it to be necessary to open a new Account for you to ensure your security. You must provide release us with the Account numberfrom all responsibility and will indemnify us for any damage, Check numberexpense or attorney’s fees and/or expert’s fees, date, dollar amount and name of the payee of the Check in order incurred by us for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released any claim presented by the person who requested holder and/or any endorser, endorsee or other person, for having honored the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop stop-payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsorder placed.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request ask Us orally to stop payment on a Check from share draft. For any Account holder or Authorized Signersuch request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. A stop Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. Your request will not must be effective unless it complies with this section and we given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. We are not liable if We pay a share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the request amount of the involved share draft. If We do pay a share draft for which You have requested stop payment and verify that the Check has as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not been paidliable for any consequences resulting from such action. You must provide us with If Your Account is a joint Account, any Owner of the Account number, Check number, date, dollar amount and name may request a stop payment. Any release of the payee of the Check in order for us to process your a stop payment request. If this information is not exact, your stop payment request will not order must be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released made by the person who requested made the request. If You ask Us to stop paymentpayment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to stop payment on a lost or stolen cashier’s, teller or certified check and if You do, You agree to pay execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the Stop Payment Fee listed type of documentation presented to Us, the request must be in a form acceptable to the Fee Schedule for Consumer Accounts for each stop payment Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. You agree to indemnify Such declaration of loss and claim for reimbursement will not become effective until the Bank later of: (a) the issuance date of the check; or (b) the date We receive the declaration of loss and claim for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or reimbursement together with any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsrequired documentation.

Stop Payments. This section addresses Allows your Authorized Representatives to initiate stop payment requests for Checks payment(s) on check(s) drawn on your AccountEligible Accounts via on-line instructions to the Bank, irrespective of the signer on the item. (It does This feature cannot apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request be used to stop payment on an automated clearing house (ACH) transfer, a Check wire transfer, a debit card transaction, or a paper draft. To access the Stop Payment Service, your Authorized Representative must log-on to the services by entering his or her Access Codes as directed by the Internet Banking screen message and select “Stop Payments” from the account level menu. To be effective, the stop-payment order must precisely identify the number, amount of the item, and the payee. You authorize us to follow the Stop Payment instructions that we receive on-line via access that was gained through the use of the Access Codes for the appropriate Authorized Representative(s) and to debit the Eligible Account (or any Account holder or Authorized Signer. A of your other accounts) for a stop payment request will not be effective unless it complies fee in accordance with this section and we have the Bank’s current schedule of fees. We must receive the Stop Payment instruction in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Our stop-payment cutoff time is one hour after the request opening of the next banking day after the banking day on which we receive the item, unless we have, due to certain “same day” transactions, essentially honored the item before the cutoff time, such as would occur if we paid the item in cash or we issued a cashier’s check, or other official check, for the item. We will acknowledge our receipt and verify processing of Stop Payment instructions by an “approved” message appearing on the Stop Payment screen. Given the above limitations about certain “same day” transactions, however, such “approved” message does not mean that the Check Bank has not been paidsuccessfully stopped payment on the item. You must provide us with the Account number, Check number, date, dollar amount and name Stop Payment requests are valid for a period of the payee of the Check in order for two (2) years unless your Authorized Representatives instructs us to process your cancel it or to renew it, provided that we have not already returned the check. The order may be renewed for additional two (2) years periods at the fee in effect when the renewal is placed. Your Authorized Representative may cancel a stop payment requestat any time, in person, at the Bank, or by calling the Bank’s Customer Service Center at 877-753-9224. If this information we are notified by telephone, we will request that your Authorized Representative confirm your request in writing. We may pay the check when the stop payment order expires. If you write a new check to replace one on which you have placed a stop payment order, be sure it has a different check number and date. It is also helpful to write the word “replacement” on it so it is not exact, mistaken for the original check. Stop payment requests sent to us via electronic mail (via your stop payment request personal or company email system) or in any manner other than the procedures set forth in this paragraph will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsaccepted.

Stop Payments. This section addresses You may ask us not to pay any preauthorized electronic transfer or check you have written from an Account of yours (each, a “Transaction”), except if the payment is in the form of a certified check, managers check, or any other check that is governed by a check guarantee agreement, within at least three (3) Business Days before the schedule date of the transfer. Such requests may only be submitted in written form and through a BIBTC Stop Payment Request Form. All stop payment requests must be made to an authorized BIBTC employee by the Client or a Co-Holder. You must give us the name of the payee and the exact date, number and amount of any Transaction you ask us not to pay. You must also give us any other information we request in order for Checks drawn on your Account. (It does not apply us to Cashier’s Checks.) Rules for stopping electronic fund transfersidentify you and the stopped Transaction, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request to stop payment on a Check from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section and we have must receive the request in a time and way that gives us a reasonable opportunity to act on it. If you fail to do so, we will have no liability for failure to honor your stop-payment request. Written stop-payment requests are valid for six (6) months and may be renewed in writing any number of times. If your request was made verbally, you must submit a written confirmation within fourteen (14) days from the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process day you submitted your stop verbal stop-payment request. If this information is not exact, your the verbal stop payment request was not confirmed in such fourteen (14) day period, your stop-payment request will be cancelled. Your failure to give written notice shall not affect the validity of the stop- payment period. The stop-payment request of a recurring preauthorized transfer will suspend all further payments to the stated payee under this stated payment schedule until you notify us to resume payments. Each stop-payment order will take effect and be effective processed on the Business Day following the Business Day it was placed, so that we may have reasonable opportunity to act upon it. Stop- payment orders placed on a day that is not a Business Day will be deemed to be placed on the next Business Day following the actual day it was placed. In that event, the stop-payment order will take effect on the second Business Day. You agree that an Account’s authorized signatures, Client and we will not be responsible for failing Co-Holders, if any, may ask us to stop payment of any Transaction, even if the paymentTransaction was executed by another individual. If You will be charged a fee each time you do not make your stop payment request ask us (orally or in writing, upon the Bank) not to pay a Transaction and each time you renew any such request. The amount of this fee is shown in each of your Account’s request you must provide Terms and Conditions and may be changed by us with written confirmation of the information via the stop payment request notification that we send from time to you or we may not continue to honor ittime. We will not notify you when your stop be liable for failing to honor a stop-payment request expiresif we did not have a reasonable time to act on the request, or if our failure to stop a payment causes some checks to be returned for insufficient funds. A stop Our acceptance of a stop-payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act upon the request. We may only accept a stop-payment request on lost or stolen checks, whether a single check or a series, unless we believe it to be released necessary to open a new Account for you to ensure your security. You release us from all responsibility and indemnify us for any damage, expense or attorney’s fees and/or expert’s fees, incurred by us for any claim presented by the person who requested holder and/or any endorser, endorsee or other person, for having honored the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop stop-payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsorder placed.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within fourteen (14) days of making the request. If you fail to confirm an oral stop payment request within the fourteen (14) days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the check or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six (6) months or other time period not less than six (6) months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six (6) months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communi- cation includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three (3) business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for fourteen (14) calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one (1) debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop-payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop- payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop-payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand-written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expiresraise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop- payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ ' fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop-payment order. Bill Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to cancel a processed payment, please contact our Electronic Banking Department at (000) 000-0000 for assistance. Bill Pay Surrey Bank & Trust makes optional Bill Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the Bill Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and remit funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you. We do not have joint agreements for our obligation Bill Pay Service. If you are an individual or sole proprietor, you are the only customer under this Agreement. However, any of your Bill Pay funding accounts may be jointly owned with others. If joint account holders using Bill Pay through Online Banking each obtain Bill Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate Bill Pay accounts. Surrey Bank & Trust reserves the right to stop paymentslimit Bill Pay accounts to one per household or Business Online Banking customer.

Stop Payments. This section addresses If a check written on your account, ACH debit, electronic transaction initiated by the use of a check (e.g., point of sale "POS", etc.), or transfer/payment through Digital Banking has not yet been paid, any authorized signer on the account and/or any individual authorized to access your account through Digital Banking, may be able to prevent its being paid by initiating a stop payment requests for Checks drawn order, irrespective of who signed the check or how many authorized signatures were required on the check. To be effective, a stop payment must be received in sufficient time to enable us to act on it. For electronic (ACH) transactions we must receive your Accountrequest three (3) business days or more before the payment is scheduled to be made. For Bill Pay transactions we must receive your request three (It does not apply 3) business days or more before the payment is scheduled to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in be made. Our records will be conclusive evidence of the Electronic Funds Transfers section existence and details of this Account Agreement and our online banking agreement with any stop payment initiated by you. We If you call, we may accept also require you to put your request in writing and get it to us within fourteen (14) days after your call. A verbal stop-payment order may cease to be binding after fourteen (14) days if you fail to provide a required written confirmation upon request by us. Stop payments initiated using Digital Banking are not considered accepted until we provide a stop payment confirmation number to you. The ability to place a stop payment on a Check from any Account holder or Authorized Signercheck through Digital Banking may be limited by system availability. A If the system is not available to accept your stop payment request will not order, the stop order may be effective unless it complies with this section and we have a reasonable opportunity placed by contacting any Credit Union branch during normal business hours. In order to act on the request and verify that the Check has not been paid. You process your request, you must provide us with the Account exact amount (dollars and cents), check number, Check number, date, dollar amount account number and name of the payee of the Check in order for item. If you provide us with any incorrect information or do not give us sufficient time to process act on your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing our failure to stop payment of the paymentcheck. If you do not make your A fee may be charged for each stop payment request in writing, upon order or renewal thereof (see the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop paymentFee Schedule). You agree to pay indemnify, defend, and hold us harmless (to the Stop Payment Fee listed extent of the law) from all costs, (including reasonable attorney's fees) actions, damages, claims and demands related to or arising from our action in the Fee Schedule for Consumer Accounts for each stopping payment on a check or our failure to stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if on a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentscheck.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We Any authorized signer may accept a request to stop payment on any check drawn on an account, whether they signed the item or not. Wings must receive your request at a Check from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section time and we have in a manner which allows us a reasonable opportunity to act on act. An oral order is valid for 14 calendar days, unless it is confirmed or revoked in writing within that time period. An electronic or written order is valid for six months. Your written order to stop payment must contain your name and account number, the request name to which the check is made out (payee), and verify that the Check has not been paidnumber and exact amount of the check. You must Failure to provide us with the Account number, Check number, date, dollar amount and name of correct information regarding the payee of check(s) may result in the Check check being paid. You may renew your order in order for us to process writing every six (6) months. We may pay your check after your stop payment requestorder has expired, even though the checks are more than six (6) months old. If this information is Any authorized signer may remove a stop payment, even if they are not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via one who placed the stop payment request notification that we send to you or we may not continue to honor itinitially. We will are not required to notify you when your a stop payment request order expires. A stop Although payment request of an item may only be released by the person who requested the stop payment. You agree stopped, you may remain liable to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment requestany item holder, including us. You agree to indemnify the Bank for any damages or expensesand hold Wings harmless from all costs, including attorneys’ fees, we incur due damages, or claims related to your our refusing payment of an item, including claims of any joint account owner, payee, or endorsee in failing to stop payment requestof an item as a result of incorrect information provided by you. You assign to us all rights against the payee or any other holder of the Checkunderstand that, as a rule, we will not stop payment on Cashier’s Checks. You If we agree to notify the Bank promptly if a duplicate check is issued or the original is returnedstop payment, we require that you indemnify us. You agree to cooperate with us For ACH Stop Payments, see Preauthorized Payments and Direct Deposit in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsElectronic Funds Transfer Act Notice - Reg E section.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop- payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop-payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand- written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expiresraise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ ' fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop-payment order. Xxxx Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to cancel a processed payment, please contact our Electronic Banking Department at (000) 000-0000 for assistance. Xxxx Pay Surrey Bank & Trust makes optional Xxxx Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the Xxxx Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and remit funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you. We do not have joint agreements for our obligation Xxxx Pay Service. If you are an individual or sole proprietor, you are the only customer under this Agreement. However, any of your Xxxx Pay funding accounts may be jointly owned with others. If joint account holders using Xxxx Pay through Online Banking each obtain Xxxx Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate Xxxx Pay accounts. Surrey Bank & Trust reserves the right to stop paymentslimit Xxxx Pay accounts to one per household or Business Online Banking customer.

Stop Payments. This section addresses At your risk, upon your request, and subject to the provisions outlined below, we will accept a stop payment requests for Checks request on an Order or a check drawn on your Accountaccount that has not yet been paid. (It does not Special rules apply to Cashier’s Checks.stop payments for electronic transactions and you should refer to our Electronic Fund Transfer (EFT) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement Disclosure for those EFT rules. To the extent this paragraph is inconsistent with youthose rules, the special rules for EFT apply. We may accept a request to If you stop payment on a Check an Order we may return it unpaid in any manner consistent with Federal Reserve and clearing house procedures. You agree to pay our fee for stop payment, which may be deducted from any Account holder or Authorized Signer. A stop payment request will not be effective unless it complies with this section your account, and we have a reasonable opportunity to act on the request defend, indemnify and verify that the Check has not been paidhold us harmless from all expenses and costs incurred by us, including attorneys’ fees, in stopping payment. You must provide us with the Account number, Check number, date, dollar exact: (a) amount and name of the payee Order; (b) payee; (c) Order number; (d) account number; and (e) any other information we may require. You agree that if all of the Check in order for us to process your stop payment request. If this information is not exactcorrectly provided by you, we will not be liable if the Order is paid. Our liability for improper payment of a stopped Order is limited to your actual losses, up to the amount of the Order, unless payment of the Order was a result of our gross negligence or willful and inten- tional disregard of your request. We will not be liable for inci- dental or consequential damages. If we recredit your account after paying an Order over a valid and timely stop payment order, you agree to transfer to us all of your rights against the payee or other holder of the Order and to assist us in legal action taken against that person at a subsequent time. A stop payment request becomes effective only after we have had a reasonable opportunity to act upon it. Our receipt of your stop payment request is not timely and comes too late if (a) we have paid or indicated in any manner that we will pay or honor the Order as drawn (for example, notice comes too late if the order has been certified or negotiated); (b) the Order is already in our processing system; or (c) we do not be effective have a reasonable time to act upon it and you and we will not be responsible for failing to stop agree that the payment. If you do not make receipt of your stop payment request in writingsubsequent to our stop-payment cutoff time, upon which is one hour after the Bank’s request you must provide us with written confirmation opening of the information via next banking day after the stop payment request notification that banking day on which we send to you or we may receive the item, does not continue to honor it. We will not notify you when your stop payment request expiresgive us reasonable time. A stop payment request may be cancelled or revoked only be released by the person who requested the stop payment. You agree after we receive your written request and we have had a reasonable opportunity to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsact upon it.

Stop Payments. This section addresses Any account owner or Authorized Signer on your account may initiate a stop payment requests for Checks request on checks drawn on your Accountaccount or on a preauthorized transfer that we have not paid. (It To initiate a stop payment request, you or an Authorized Signer must notify us in person, by mail, by telephone, or by such other methods that we may make available to you from time to time. The individual who initiates the stop payment request does not apply need to Cashier’s Checks.) Rules for stopping electronic fund transfersbe the individual who drew the check or initiated the stop payment that s/he is now requesting to be stopped. Any account owner or Authorized Signer may instruct us to release or cancel a stop payment order, such as ACH paymentseven if s/he is not the person who initiated the stop payment request. For us to be able to enter a stop payment, you must tell us the exact amount of the check (dollars and cents), the check number, date of check, payee and the full account number on which it is drawn. If the information you give us is not correct or if you do not give us other reasonable information requested about the check, we will not be responsible if we are addressed in not able to affect the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youstop payment. We may accept also cannot be responsible if we are not able to identify the proper check because you have issued more than one check with the same serial number. If you generate your own checks using a request computer or in any other manner which does not produce a magnetically-encoded check number on the check, we will be unable to stop payment on a Check from any Account holder or Authorized Signer. A guarantee that your stop payment request will not be effective unless it complies honored. You therefore agree to indemnify and hold us harmless should we be unable to honor a stop payment order which you have timely and correctly placed on a check with this section and no magnetically-encoded check number. You must give us sufficient notice of your stop payment request so that we have a reasonable opportunity to act on the your request. Your stop payment request and will only be considered effective once we have had a reasonable opportunity to verify that the Check check has not been paid. You must provide may not request a stop payment if we have accepted or certified the check, paid the check in cash, made final payment on the check, or otherwise become accountable for the check under check clearing house rules, agreement, or Applicable Law. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to transfer to us with all of your rights against the Account number, Check number, date, dollar amount and name payee or other holder of the payee of check, and to assist us in any legal action taken against that person. A stop payment order is valid for six (6) months. If the Check original request for the stop payment order was oral and not confirmed in order for us to process writing with us, we may remove the stop payment during the timeframe specified on the Stop Payment Order form. You may renew your stop payment requestorder for an additional six (6) months by writing to us prior to the expiration of the existing stop payment. If this information The fee for stopping payment is not exactfound in the Schedule of Fees, your as may be amended from time to time. This fee will be charged each time that you request and/or renew a stop payment order. A stop payment on a preauthorized transfer will remain in effect until we receive a withdrawal of the stop payment request will or the return of the debit entry(ies), whichever occurs first. You are not be effective permitted to place stop payment orders on cashier’s checks, official checks, or money orders. If you lose a cashier’s check, official check, or money order, or if such an item has been stolen or destroyed, we may require you to provide a declaration of loss and affidavit and to comply with other procedures that we may have before we re-issue the item. We may require that you wait ninety (90) calendar days before honoring your claim and we will not be responsible for failing liable to stop you if such an item is cashed prior to the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation expiration of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsninety (90) calendar day period.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request If you want to stop payment on a Check from any Account holder or Authorized Signer. A check you have written, you must place a stop payment order before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether or not that authorized xxxxxx's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the person you wanted to pay in order for us to stop payment on the item. If you provide us with any incorrect information, we will not be effective unless it complies with this section and responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the request and verify that the Check has not been paiditem. You must provide may furnish the stop payment order orally, in writing, or through Online/Internet Banking at xxx.xxxxxxxxxx.xxx. If you give us with an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the Account number, Check number, date, dollar amount and name end of 14 calendar days unless you give us a written notice of the payee of the Check in order for us to process your stop payment requestorder. If this information is not exactUpon confirming the order in writing, your stop payment request the order will not remain in effect for six months and must be effective and we will not be responsible for failing renewed by you every six months to stop the paymentremain in effect. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via renew the stop payment request notification that we send to you or order when it expires and the item is presented for payment, we may not continue pay the item and charge it to honor ityour account. We will not notify you when your There is a charge for each stop payment request expiresorder and renewal order requested. A stop payment request may only be released order comes too late to prevent us from paying an item if we do not receive the stop payment by the person who requested close of the business hour of the banking day of receipt of the item. Electronic stop paymentpayment requests submitted through our Online/Internet Banking service may not be effective in stopping the payment of checks that have been posted to, but not finally paid, from your account on the preceding day. In order to prevent those checks from being paid, you must contact one of our customer representatives in person, by telephone or in writing within one hour that the branch opens on the day following the day we post the items to your account. You also should contact the branch if you wish to stop the payment of a check that has been converted to an electronic transaction by a merchant. If we pay a check which has a valid stop payment order on it with correct information, we may be responsible to you up to the face amount of the item if you establish that you have suffered a loss because we paid the item. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all of your rights against the payee or and/or any other holder of the Checkyour check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You also agree to cooperate fully with us in any legal actions that we may subsequently take against these partiessuch persons. State law Anyone holding the check, including the Bank, may permit other limitations be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on our obligation the check. You do not automatically have the right to stop paymentspayment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. In the event that a cashier's check is lost, stolen or destroyed, please contact us [at 0-000-000-0000] for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 day waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. This section addresses If you request us to stop payment requests (either in writing or orally*) on a check or draft, we will charge you a stop payment fee. However, your stop payment will not be effective if we have already certified, paid or otherwise become responsible for Checks drawn on your Accountthe check. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfersFor example, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request to we can't stop payment on a Check from any Account holder check we've already cashed or Authorized Signera deposited check where the funds have already been withdrawn. A Refer to the Electronic Funds Transfer Disclosure for the rules on stopping a consumer electronic funds transfer transaction. *If you place a stop payment on a check with us orally, such as by telephone, you agree to follow-up with a signed written request to us within 14 calendar days. If we do not receive your written request within that timeframe, we will remove the stop payment order from your account, and the stop payment fee will not be effective unless it complies with this section refunded. You may request a stop payment by calling us, in person, or through Xxxxxxxxxxxxxx.xxx. So we can identify the item, you must give us the exact account number and either:  The exact check number or a range of check numbers  The payee name and the exact amount of the check  The payee name and range of amounts of the check Generally, we will complete your request as soon as we receive, and have a reasonable opportunity to act on the on, your instructions. Your stop payment request and verify that the Check has not been paid. You must provide us with the Account numberlasts for six months, Check number, date, dollar amount and name of the payee of the Check in order for us to process unless you cancel your stop payment request. If this information is not exactHowever, your you may place a new stop payment request order, which will not be effective and we will not be responsible for failing to stop six months from the paymentday you place the additional order. If you do not make your An additional stop payment request in writing, upon the Bank’s request fee will be charged. We may send you must provide us with a written confirmation of your stop payment. We may rely on the information via in the confirmation unless you notify us immediately of any errors. When the stop payment request notification that we send to you or order expires, we may not continue pay the item and have no duty to honor itnotify you. We will not notify When you when your stop payment request expires. A stop payment request may only be released by the person who requested on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop payment order. We are not required to accept a stop payment on our obligation a cashier's check, official check, or certified check, unless you provide us an acceptable sworn statement that the check is lost, stolen or destroyed. After you place a stop payment, we are not required to stop paymentsrefund the check amount or issue a replacement check until at least 30 days after the issue date. We are not required to refund the check amount or issue a replacement check if the check is presented for payment within 30 days after the issue date.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request If you want to stop payment on a Check from any Account holder or Authorized Signer. A check you have written, you must place a stop payment order before it is finally paid by us. Any authorized signer on the account may furnish a stop payment order. For example, a joint account holder and one authorized signer may request a stop payment on an item which requires two signatures, regardless of whether or not that authorized signer's signature was one of the two signatures appearing on the item. You must furnish us with the date, the check number, and the exact amount (dollars and cents) of the check and the name of the person you wanted to pay in order for us to stop payment on the item. If you provide us with any incorrect information, we will not be effective unless it complies with this section and responsible for our failure to stop payment on the check. We will not be responsible for a stop payment order if we do not have a reasonable opportunity to act on it before final payment of the request and verify that the Check has not been paiditem. You must provide may furnish the stop payment order orally, in writing, or through Online/Internet Banking at xxx.xxxxxxxxxx.xxx. If you give us with an oral stop payment order, then it will be effective for 14 calendar days. The stop payment order will expire at the Account number, Check number, date, dollar amount and name end of 14 calendar days unless you give us a written notice of the payee of the Check in order for us to process your stop payment requestorder. If this information is not exactUpon confirming the order in writing, your stop payment request the order will not remain in effect for six months and must be effective and we will not be responsible for failing renewed by you every six months to stop the paymentremain in effect. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via renew the stop payment request notification that we send to you or order when it expires and the item is presented for payment, we may not continue pay the item and charge it to honor ityour account. We will not notify you when your There is a charge for each stop payment request expiresorder and renewal order requested. A stop payment request may only be released order comes too late to prevent us from paying an item if we do not receive the stop payment by the person who requested close of the business hour of the banking day of receipt of the item. Electronic stop paymentpayment requests submitted through our Online/Internet Banking service may not be effective in stopping the payment of checks that have been posted to, but not finally paid, from your account on the preceding day. In order to prevent those checks from being paid, you must contact one of our customer representatives in person, by telephone or in writing within one hour that the branch opens on the day following the day we post the items to your account. You also should contact the branch if you wish to stop the payment of a check that has been converted to an electronic transaction by a merchant. If we pay a check which has a valid stop payment order on it with correct information, we may be responsible to you up to the face amount of the item if you establish that you have suffered a loss because we paid the item. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all of your rights against the payee or and/or any other holder of the Checkyour check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You also agree to cooperate fully with us in any legal actions that we may subsequently take against these partiessuch persons. State law Anyone holding the check, including the Bank, may permit other limitations be entitled to enforce payment against you despite the stop payment order. You agree to indemnify, defend and hold us harmless from all costs (except attorney's fees), actions, damages, claims, and demands related to or arising from our action in stopping payment on our obligation the check. You do not automatically have the right to stop paymentspayment on point-of-sale Debit Card transactions, cashier's checks or money orders you purchase from us. In the event that a cashier's check is lost, stolen or destroyed, please contact us [at 0-000-000-0000] for the procedures to follow to obtain reimbursement or have the cashier's check reissued. In general, you will have to complete a Declaration of Loss form, describing the cashier's check and how it came to be lost, stolen or destroyed, and signing the form under penalty of perjury. We must then wait 90 days from the date the check was issued before we can pay your claim. If 90 days have already passed, then we will act on your claim within a reasonable time. If the check is presented during the 90 day waiting period, we may pay the item to a person entitled to enforce the check. If this happens, we will not pay your claim.

Stop Payments. This section addresses At your request, we may stop payment requests for Checks on a check drawn on against your Account. (It does not apply account, as applicable, provided you meet our conditions to Cashier’s Checks.) Rules for stopping electronic fund transferseffect such a request, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with yousubject to a ser- vice charge. We may accept the Stop Payment request from any of the joint owners of the account (if the account is jointly owned) whether or not that joint owner is the signer of the check. In order to place a request stop payment order, you must tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order is effective for 6 months, unless renewed in writing prior to the order becoming ineffective. A fee, as set forth in the separate fee schedule, will apply to all stop payment orders, including renewals of stop payment orders. If we fail to honor a timely and accurate stop payment order, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. You do not have the right to stop payment on a Check cashier’s check, an official check, a teller’s check, a certified check, a money order or a traveler’s check you have purchased from any Account holder or Authorized Signerus. A We have no responsibility to stop payment request will on any check or other item not be effective unless it complies with this section conforming to our printing and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsencoding specifications.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We You may accept a request ask Us orally to stop payment on a Check from share draft. For any Account holder or Authorized Signersuch request to remain valid, however, You must also supply Us with a written request within fourteen (14) days after you make any such oral request. A stop Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. Your request will not must be effective unless it complies with this section and we given to Us in a timely manner so that We have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your A written stop payment request will not be is effective and we will not be responsible for failing to stop the paymentsix (6) months. If at the end of six (6) months you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via Us to continue the stop payment order, that request notification that we send to you or we may not continue to honor itwill be treated as a new request. We will are not notify liable if We pay a share draft which you when your have requested Us to stop payment request expireson as long as We act in good faith and exercise ordinary care. A In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved share draft. If We do pay a share draft for which you have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If your Account is a joint Account, any Owner of the Account may request may only a stop payment. Any release of a stop payment order must be released made by the person who requested made the request. If you ask Us to stop paymentpayment on a pre- authorized transfer, your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with you. You may also ask Us to replace a lost, destroyed or stolen cashier’s, teller or certified check and if you do, you agree to pay execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the Stop Payment Fee listed type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: • The ninetieth (90th) day after the date of the check (or ninetieth (90th) day following the date of acceptance, in the Fee Schedule case of a certified check) • The date We receive the declaration of loss and claim for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or reimbursement together with any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.required documentation

Stop Payments. This Unless otherwise provided, the rules in this section addresses stop cover stopping payment requests for Checks drawn on your Accountof items such as checks and drafts. (It does not apply to Cashier’s Checks.) Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, such as ACH paymentsmay be established by law or our policy. If we have not disclosed these rules to you elsewhere, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youyou may ask us about those rules. We may accept a request an order to stop payment on a Check any item from any Account holder or Authorized Signerone of you. A stop You must make any stop-payment request will not order in the manner required by law, it must be effective unless it complies with this section made in a signed and dated writing, and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar and amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information Your stop-payment order is not exact, your stop payment request effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via the stop payment request notification that we send to you or we may not continue to honor itsix-month period. We will are not obligated to notify you when your stop a stop-payment request order expires. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ ' fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other be entitled to enforce payment against you despite the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop paymentspayment are provided by law (e.g., we paid the item in cash or we certified the item).

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop-payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop- payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand-written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expiresraise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop-payment order. Bill Pay Online Banking consumer customers who enroll in Bill Pay will be charged $5.50 per month after a 90-day free trial. These fees are waived for customers with Interest Checking, Gold Checking, and Granite Banking accounts. Business Online Banking customers who choose to enroll in Bill Pay will be charged $6.50 per month. Please refer to the attached Bill Pay Agreement for details. At the end of 90-day free trial, the monthly Bill Pay fee is automatically drafted from your checking account unless you qualify for free service. Payments are drafted on our obligation the anniversary date of enrollment (i.e. if you enroll on the third of the month, the payments will be drafted on the third of each month following the trial period.) To avoid fees, customers must cancel Bill Pay before the end of the 90-day period by using the Contact Us link in Online Banking, contacting your Surrey Bank & Trust branch; emailing xxxxxxxxxx@xxxxxxxxxx.xxx; mailing Surrey Bank & Trust eBanking Department, PO Box 1227, Mount Airy, NC 27030; or calling us at (000) 000-0000. Cancellations made following the end of the 90-day trial period are subject to stop paymentsfees for one month after the date of cancellation.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop- payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop- payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop-payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand- written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expiresraise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ ' fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop-payment order. Bill Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to cancel a processed payment, please contact our Electronic Banking Department at (000) 000-0000 for assistance. Bill Pay Surrey Bank & Trust makes optional Bill Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the Bill Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and remit funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you. We do not have joint agreements for our obligation Bill Pay Service. If you are an individual or sole proprietor, you are the only customer under this Agreement. However, any of your Bill Pay funding accounts may be jointly owned with others. If joint account holders using Bill Pay through Online Banking each obtain Bill Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate Bill Pay accounts. Surrey Bank & Trust reserves the right to stop paymentslimit Bill Pay accounts to one per household or Business Online Banking customer.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within 14 days of making the request. If you fail to confirm an oral stop payment request within the 14 days, unless our policy provides otherwise, we reserve the right to cancel the request. Your stop payment request must describe the item or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six months, or 2) until we receive written revocation of the stop payment. If the item on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for 14 calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses stop payment requests for Checks drawn on your Account. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a request an order to stop payment on a Check any item from you, so long as you make any Account holder or Authorized Signer. A stop stop- payment request will not be effective unless it complies with this section order in the manner required by law and we have must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop payment order must precisely identify the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of item, and the Check in order for us to process your payee. You may stop payment requeston any item drawn on your account whether you sign the item or not. If this information is not exactGenerally, your stop stop-payment request orders are effective for six months. Your order will not be effective and we will not be responsible for failing to stop the payment. If lapse after that time if you do not make your stop payment request renew the order in writing, upon writing before the Bank’s request you must provide us with written confirmation end of the information via six-month period. We are not obligated to notify you when a stop-payment order expires. Stop payment orders initiated in Online Banking are considered signed electronically by the person logged into Online Banking and are bound by the E-Signature Authorization Acknowledgement and Consent. You consent to the use of an electronic signature in any way connected to the stop payment request notification transaction and agree that we send its electronic signature will be enforceable as and to you the full extent of a hand- written signature(s), whether in court (state or we may not continue to honor itfederal), arbitration or otherwise. We Consenting Party will not notify you when your stop payment request expiresraise any defense or invoke regulatory or statutory claim attempting to invalidate the enforceability of the Documents to which the electronic signature is affixed. A stop release of the stop-payment request may be made only be released by the person who requested initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You , you agree to indemnify the Bank us for any those damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returneditem. You agree to cooperate with us in any legal actions that we may take against these partiessuch persons. State law You should be aware that anyone holding the item may permit other limitations be entitled to enforce payment against you despite the stop-payment order. Xxxx Pay payments may be edited or cancelled until the payment status shows as processing or processed. If you need to cancel a processed payment, please contact our Electronic Banking Department at (000) 000-0000 for assistance. Xxxx Pay Surrey Bank & Trust makes optional Xxxx Pay service available to customers as a convenience. It is not required in order to have access to Online and/or Mobile Banking. When you use the Xxxx Pay service in Online Banking and/or Mobile Banking, you authorize us to debit and remit funds on your behalf. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you. We do not have joint agreements for our obligation Xxxx Pay Service. If you are an individual or sole proprietor, you are the only customer under this Agreement. However, any of your Xxxx Pay funding accounts may be jointly owned with others. If joint account holders using Xxxx Pay through Online Banking each obtain Xxxx Pay Service — meaning that each of you will have separate access codes — this will be identified as two separate Xxxx Pay accounts. Surrey Bank & Trust reserves the right to stop paymentslimit Xxxx Pay accounts to one per household or Business Online Banking customer.

Stop Payments. This section addresses stop payment requests for Checks drawn Stop Payments on your AccountChecks. (It does not apply to Cashier’s Checks.) Rules for stopping electronic fund transfers, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with you. We may accept a If you request us to stop payment on a Check from any Account holder check you have written, you will give written or Authorized Signerother confirmation as allowed by us within fourteen (14) days of making the request. If you fail to confirm an oral stop payment request within the fourteen (14) days, unless our policy provides otherwise, we reserve the right to cancel the BUSINESS DEPOSIT ACCOUNT AGREEMENT 53 request. Your stop payment request must describe the check or account with reasonable certainty and we must receive the request in a time and way that gives us a reasonable opportunity to act on it. A stop payment on a check you have written will remain in effect until the earlier of 1) six (6) months or other time period not less than six (6) months as specified in the Stop Payment Order, or 2) until we receive written revocation of the stop payment. If the check on which a Stop Payment Order has been placed has not yet cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six (6) months by providing a request will to us in a record or writing within the time period the Stop Payment Order is in effect. Our acceptance of a stop payment request does not be effective unless it complies with this section and constitute a representation by us that the check has not already been paid or that we have had a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your We may accept a stop payment request will not on lost or stolen checks, whether a single check or series, unless our policy requires we open a new account for you to ensure your security. Written communication includes communication by electronic record. Stop Payments on ACH Debits. A Stop Payment Order may be effective and we will not be responsible for failing to stop the paymentplaced on either a one-time debit transfer or on a multiple debit entry transfer. If you do not make your request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment request on a multiple or future debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, upon at least three (3) business days before a scheduled debit entry. Requests to stop all future payments on an ACH debit transfer may require additional documentation to be supplied to us. Oral stop payment orders are binding on us for fourteen (14) calendar days only, unless our policy provides otherwise, and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit remains in effect until the Bank’s request you must provide us with written confirmation earlier of 1) your withdrawal of the information via Stop Payment Order, 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits, or 3) six (6) months from the date of the Stop Payment Order, or other time period not less than six (6) months as specified in the Stop Payment Order, unless you renew the Stop Payment Order. You may renew the Stop Payment Order for an additional six (6) months to prevent the transfer from being paid by providing a request to us within the time period the Stop Payment Order is in effect. When a stop is placed on a multiple or future debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). Written communication includes communication by electronic record. The Stop Payment Order shall be governed by the provisions of Article 4A of the Uniform Commercial Code as adopted by the state in which the account is opened, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and any applicable state law. You may be charged a fee every time you request a Stop Payment Order and for each Stop Payment Order renewal you make. You understand that we may accept the stop payment request notification that we send to you from any of the joint owners of the account regardless of who signed the check or we may not continue to honor it. We will not notify you when your stop payment request expiresauthorized the transfer. A stop payment request release of the Stop Payment Order may be made only be released by the person who requested initiated the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop payments.

Stop Payments. This section addresses At your request, we may stop payment requests for Checks on a check drawn on against your Account. (It does not apply account, as applicable, provided you meet our conditions to Cashier’s Checks.) Rules for stopping electronic fund transferseffect such a request, such as ACH payments, are addressed in the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with yousubject to a service charge. We may accept the stop payment request from any account owner or authorized signer whether or not that individual is the signer of the check. In order to place a request stop payment order, you must tell us the exact amount of the item, the number of the check, and the number of the account; otherwise, our computer may not catch the stop order. If you produce a check by computer or in any other manner that does not contain a magnetic-encoded check number, we may not be able to honor the stop order. We are not responsible if the item in question is not described with reasonable certainty, and we are entitled to a reasonable period of time after we receive a stop order to notify our employees. You may notify us either orally or in writing to stop payment. An oral stop payment order on a check is binding on us only for 14 days unless confirmed in writing within this period. A written stop payment order is effective for 6 months, unless renewed in writing prior to the order becoming ineffective. A fee, as set forth in the separate fee schedule(s), will apply to all stop payment orders, including renewals of stop payment orders. If we fail to honor a timely and accurate stop payment order, we reserve the right not to recredit your account unless you can demonstrate the fact and amount of your loss. If we do recredit your account after paying a check over a valid and timely stop order, you agree to sign a statement describing the dispute with the payee or other holder of the check, and to assist us in legal action taken against that person. You do not have the right to stop payment on a Check cashier’s check, an official check, a teller’s check, a certified check, a money order or a traveler’s check you have purchased from any Account holder or Authorized Signerus. A We have no responsibility to stop payment request will on any check or other item not be effective unless it complies with this section conforming to our printing and we have a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name of the payee of the Check in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsencoding specifications.

Stop Payments. This section addresses You and any other person authorized to draw against your account may initiate a stop payment requests for Checks request on checks drawn on your Accountaccount or on a preauthorized transfer that we have not paid. (It You may initiate a stop payment request by notifying us in person, by mail, by telephone, or by such other methods that we may make available to you from time to time. The individual who initiates the stop payment request does not apply need to Cashier’s Checks.) Rules for stopping electronic fund transfersbe the individual who drew the check or initiated the preauthorized transfer that s/he is now requesting to be stopped. You or any other person who is authorized to draw against the account may instruct us to release or cancel a stop payment order, such as ACH paymentseven if you or s/he did not initiate the stop payment request. For us to be able to enter a stop payment, you must tell us the exact amount of the check (dollars and cents), the check number, date of check, payee and the full account number on which it is drawn. If the information you give us is not correct or if you do not give us other reasonable information requested about the check, we will not be responsible if we are addressed in not able to affect the Electronic Funds Transfers section of this Account Agreement and our online banking agreement with youstop payment. We may accept also cannot be responsible if we are not able to identify the proper check because you have issued more than one check with the same serial number. If you generate your own checks using a request computer or in any other manner which does not produce a magnetically encoded check number on the check, we will be unable to stop payment on a Check from any Account holder or Authorized Signer. A guarantee that your stop payment request will not be effective unless it complies honored. You therefore agree to indemnify and hold us harmless should we be unable to honor a stop payment order which you have timely and correctly placed on a check with this section and no magnetically-encoded check number. You must give us sufficient notice of your stop payment request so that we have a reasonable opportunity to act on the your request. Your stop payment request and will only be considered effective once we have had a reasonable opportunity to verify that the Check check has not been paid. You must provide may not request a stop payment if we have accepted or certified the check, paid the check in cash, made final payment on the check, or otherwise become accountable for the check under check clearinghouse rules, agreement, or Applicable Law. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to transfer to us with all of your rights against the Account number, Check number, date, dollar amount and name payee or other holder of the payee of check, and to assist us in any legal action taken against that person. A stop payment order is valid for six (6) months. If the Check original request for the stop payment order was oral and not confirmed in order for us to process writing with us, we may remove the stop payment during the timeframe specified on the Stop Payment Order form. You may renew your stop payment requestorder for an additional six (6) month periods by writing to us prior to the expiration of the existing stop payment and paying the applicable fee. If this information The fee for stopping payment is not exactfound in the Schedule of Fees, your as may be amended from time to time. A stop payment on a preauthorized transfer will remain in effect until we receive a withdrawal of the stop payment request will or the return of the debit entry(ies), whichever occurs first. You are not be effective permitted to place stop payment orders on cashier’s checks, official checks, or money orders. If you lose a cashier’s check, official check, or money order, or if such an item has been stolen or destroyed, we may require you to provide a declaration of loss and affidavit and to comply with other procedures that we may have before we re-issue the item. We may require that you wait ninety (90) calendar days before honoring your claim and we will not be responsible for failing liable to stop you if such an item is cashed prior to the payment. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation expiration of the information via the stop payment request notification that we send to you or we may not continue to honor it. We will not notify you when your stop payment request expires. A stop payment request may only be released by the person who requested the stop payment. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank for any damages or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions that we may take against these parties. State law may permit other limitations on our obligation to stop paymentsninety (90) calendar day period.

Stop Payments. This section addresses ‌ You may stop payment requests for Checks on a check drawn on your Accountaccount, and we will charge a Stop Payment Request Fee. (It does However, you cannot apply to Cashier’s Checks.) Rules stop payment if we have already certified, paid, or otherwise become responsible for stopping electronic fund transfersthe check. For example, such you cannot stop payment on a check we have already cashed because we became responsible for the transaction as ACH payments, are addressed in the Electronic Funds Transfers section soon as we cashed it. Any one owner or authorized signer of this Account Agreement and our online banking agreement with you. We an account may accept a request order us to stop payment on a Check check drawn on the account. Please see the “Electronic Fund Transfers” section of this booklet for how to place a stop payment on recurring electronic payments. (Also see section “Right to Stop Payment of Preauthorized Debit”.) We will not accept any instructions/requests to effect banking transactions via the Internet, unless expressly authorized under a duly executed Agreement with the Bank (e.g., IDB PassportSM, IDB AccessSM or online banking). To stop payment on a check, you must give us the exact account number, check number, date written, payee and the amount of the check, so we can identify the item. Any discrepancy error, especially in amount (even as small as $.01), check number or account number, will prevent the Bank from any Account holder or Authorized Signerproperly implementing a stop payment order. It may take up to one full business day from the time we receive this information until a stop payment order becomes effective. A stop payment request will not be order is effective unless it complies with this section and we have for a reasonable opportunity to act on the request and verify that the Check has not been paid. You must provide us with the Account number, Check number, date, dollar amount and name minimum of the payee of the Check six (6) calendar months or until canceled by you in order for us to process your stop payment request. If this information is not exact, your stop payment request will not be effective and we will not be responsible for failing to stop the paymentwriting. If you do not make your stop payment request in writing, upon the Bank’s request you must provide us with written confirmation of the information via would like to extend the stop payment request notification that for an additional six (6) calendar months we send to you or we may not continue to honor itmust receive written instructions from you. We will not notify you when send a confirmation of your stop payment request expiresorder. A When the stop payment request order expires, we may only pay the item and have no duty to notify you except for identifying the item as paid on your statement. You agree that you will be released by the person who requested the responsible to us if any claim or demand is made against us as a result of having acted in accordance with your stop paymentpayment order. You agree to pay the Stop Payment Fee listed in the Fee Schedule for Consumer Accounts for each stop payment request. You agree to indemnify the Bank reimburse us for any damages reasonable costs, expenses or expenses, including attorneys’ fees, we incur due to your stop payment request. You assign to us all rights against the payee or any other holder of the Check. You agree to notify the Bank promptly if a duplicate check is issued or the original is returned. You agree to cooperate with us in any legal actions attorney’s fees that we may take incur in defending ourselves against these partiesany such claims or demands. State law may permit other limitations We are not required to accept a stop payment on a cashier’s check, teller’s check (“official check”), or certified check, unless you provide us with a sworn statement – in a form we deem acceptable – that the check is lost, stolen, or destroyed. After a stop payment is placed, we are not required to refund the money used to purchase the check, or issue a replacement check, until and unless the check is not presented for payment within 90 days after the issue or certification date. If in our obligation discretion we agree to stop paymentsrefund or replace the check, we will require that you purchase a surety bond for the amount of the check.