Common use of Bill Payment Service Clause in Contracts

Bill Payment Service. a. Generally, the bill payment service allows you to schedule the payment of your bills from a checking account. You may pay merchants or individual payees within the United States through the Bill Payment Service. By furnishing us with the names of your payees and their addresses, you authorize us to follow the payment instructions you provide us via Online Banking. Payments may be made either electronically or by paper draft, depending upon the payee’s ability to receive electronic payments. When we receive a payment instruction from you, we will process that instruction on the day you specified in your instruction (“Payment Date”). Some payees have special processing requirements for receiving payments, and some may require that your payment be accompanied by a coupon or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment requirements. We will not be liable for any delay in processing or mis-posting by such payees where a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through the Service, and you are responsible for any and all of such fees and charges. b. You must allow sufficient time for payment. Payments using Online Banking require sufficient time for delivery and for your payee to credit your account properly. To avoid incurring late fees or finance charges, you must schedule a payment sufficiently in advance of the date you want your payment to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You have

Bill Payment Service. a. Generally, the bill payment The Bill Payment service allows permits you to schedule the payment of use your bills Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. You may pay merchants or individual payees within the United States through Through the Bill Payment Service. By furnishing us with the names of your payees and their addressesservice, you authorize us can pay bills from your Bill Pay Account to follow businesses or individuals. All payments you make will be deducted from the payment instructions account that you provide us via Online Bankingdesignate as your Bill Pay Account for the Bill Payment service. Payments Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account on the scheduled payment date. lf the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by paper draftmailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, depending upon bi-weekly or monthly intervals (a "recurring payment"). lf a recurring payment is chosen, the bill will be paid automatically each billing period. lf the payment is not a recurring payment, it will be a "one-time payment." One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any change to information you have given us about a payee to reflect the change in our records. When you create a new payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee’s ability . For all subsequent payments, you agree to receive electronic payments. When we receive allow at least five (5) business days between the date you schedule a payment instruction from youto be initiated and the payment due date (that is, we will process that instruction the due date shown on the day you specified your invoice or provided in your instruction (“Payment Date”agreement with the payee, not taking into account any applicable grace period). Some payees have special processing requirements lf you do not, you will be fully responsible for receiving paymentsall late fees, finance charges or other action taken by the payee. lf you schedule your payment and follow all instructions provided, and some may require that the payment is not received by the payee in a timely manner, a representative of Bank will work with the payee on your payment be accompanied by a coupon behalf to have any late fees or additional information concerning charges reversed. Bank is only responsible for exercising ordinary care in processing and sending payments upon your accounts authorization in accordance with such payeethis Agreement. It is your responsibility to determine each payee’s specific payment requirements. We Bank will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any delay in processing or mis-posting by such payees where other circumstances beyond the control of Bank. lf the session during which you schedule a payment fails or transfer ends by 3:00 p.m., Bank will be considered to meet such requirementshave received it on that day. Other financial institutions may impose their own fees Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls. lf your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and charges for transfers that you no further attempt will be made by Bank to make through the Servicetransfer or payment. Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, and you are responsible for any and all either making alternate arrangements for the payment or rescheduling the payment through the Service. In the case of such fees and chargesrecurring payments, only the payment currently scheduled will be canceled. b. You must allow sufficient time Recurring payments scheduled for paymentfuture dates will not be affected. Payments scheduled through the Service should be cancelled through the Service. Payments must be changed or canceled using Online Banking require sufficient time for delivery and for your payee the Service prior to credit your account properly2:00 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. To avoid incurring late fees or finance charges, lf you must schedule ask us to cancel a payment sufficiently after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written, or electronic, will be in advance effect for a period of six months. However, stop payment orders received orally require a written confirmation within 14 days to remain in effect for the six-month period. If written confirmation is not forthcoming, the stop payment order will cease to be binding after 14 days. Written stop payment orders may be mailed to: Southwind Bank Customer Service PO Box 40 Natoma, KS 67651 After six months, any stop payment will terminate and must be renewed in order to continue in effect. Bank may pay any item that is presented following the lapse of any stop payment order. Electronic Mail lf you send Bank an electronic mail message, Bank will be deemed to have received it on the following business day. Bank will have a reasonable time to act on your e-mail. You should not rely on electronic mail if you need to communicate with Bank immediately, for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You agree that Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Bank shall be considered received within three (3) days of the date sent by Bank, regardless of whether or not you want your payment sign on to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You havethe Service within that time frame.

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

Bill Payment Service. a. Generally, the bill payment service allows The Bill Payment Service permits you to schedule the payment of use your bills Internet enabled device to direct payments from your designated online Bill Payment Account to third parties you wish to pay. Your Bill Payment Account must be a share draft checking account. You may Through the Bill Payment Service, you can pay merchants bills from your Bill Payment Account to businesses or individual payees within individuals. Certain payment such as those for gambling, drugs, illegal purchases, and more are not permitted using AFFCU’s Bill Pay system. All payments you make will be deducted from the United States through checking account that you designate as your Bill Payment Account for the Bill Payment Service. By furnishing us with Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the names continental United States. We reserve the right to restrict types of your payees and their addresses, you authorize us to follow the payment instructions you provide us via Online Banking. Payments whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Payment Account the following business day (e.g. Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by paper draftmailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, depending upon monthly, or semi-monthly intervals. When you create a new payee in the Bill Payment Service, it takes two (2) business days to set up the payee to receive payments. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee’s ability . For all subsequent payments, you agree to receive electronic payments. When we receive allow at least five (5) to ten (10) business days between the date you schedule a payment instruction from to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If the payment is an Automatic Clearing House (ACH) electronic payment, it may take up to five (5) business days to reach the payee. However, if the company or person that you are paying cannot accept an electronic payment, the Bill Payment Service will send a check that may take up to ten (10) business days. If you do not follow these time frames, you will be fully responsible for all late fees, finance charges or other actions taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, the Credit Union will work with the payee on your behalf to reverse any late fees or charges. The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Credit Union will not be liable in any way for damages you incur for any of the following reasons: • insufficient funds in your Bill Payment Account to make the payment on the processing date; • delays in mail delivery; • changes to the payee's address or account number unless we have been advised of the change in advance • the failure of any payee to correctly account for or credit the payment in a timely manner, or • any other circumstances beyond the control of the Credit Union. If your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. This suspension may be without prior notice to you. The Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In such event, we will process that instruction on charge all related service fees to you. In all cases, you are responsible for making alternate arrangements for the day payment or reschedule the payment through the Service. AFFCU is under no obligation to notify you specified if it does not complete a transfer because there are insufficient funds in your instruction (“Payment Date”)account to process a transaction. Some payees With respect to any negative balance caused by honoring either a paper or electronic payment, you agree to reimburse us, for any funds we have special processing requirements for receiving paymentsalready paid to one or more of your designated merchants or financial institution which we were unable to recover by debit to the merchant or financial institution. You agree that we may impress and enforce a statutory lien upon your accounts with us to the extent you owe us any money and we may enforce our right to do so without further notice to you. We have the right to set-off any of your money or property in our possession against any amount you owe us. The right of set-off and our impressed lien does not extend to any Xxxxx, XXX, or similar tax deferred deposit you may have with us. If your account is owned jointly, our right of set-off and some may require our impressed lien extends to any amount owed to us by any of the joint owners. In the event that you do not comply with the terms and conditions set forth in this Agreement, or in the event that your payment be accompanied instruction is not made in time for us to process your payment prior to the due date required by a coupon particular merchant or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment requirements. We financial institution, you will be liable for all penalties and late fees imposed, and we will not be liable for any delay in processing such penalties or mis-posting fees. Without limiting the foregoing, AFFCU shall also not be liable for late charges, interest, penalties, or other amounts incurred by such payees where a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through the Service, and you are responsible or any for any and all of such fees and charges. b. You must failure to allow sufficient time for paymentprocessing and delivery of any deposits or payment(s) so long as AFFCU has complied with the provisions of this Agreement. Payments using Online Banking require sufficient time Unless otherwise required by law, the Credit Union will not be liable to you under any circumstances for delivery and for your payee to credit your account properly. To avoid incurring late fees special, indirect, or finance chargesconsequential damages, you must schedule a payment sufficiently including, without limitation, lost profits or attorneys’ fees, even if we are advised in advance of the date you want your payment possibility of such damages. We reserve the right to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You haverefuse to make any payment.

Bill Payment Service. a. Generally, the bill payment service The Bill Payment Service allows you to schedule use your internet enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. If you choose to utilize the payment Bill Payment Service, you may begin initiating payments two weeks following the receipt of your online banking user code and password. Your Bill Pay Account is the account for which you are viewing transactions when initiating bill payment. Via the Bill Payment Service you may pay bills from your account to:  Business Payees – any business, merchant, or professional that generates a checking accountbill or invoice for products or services provided to you on your behalf and that has an address we can verify  Individual Payees – payments made to individuals, family, or friends for non-business purposes. Payment Initiation Date. Is the date you enter into the online banking system when setting up a bill payment. You may pay merchants set up the following types of bill payments:  Single Payments – a payment to be made to a payee one time  Recurring Payments - payments of fixed amount to a single payee at recurring intervals (weekly, monthly, quarterly, semi-annually, annually). All payments you make will be deducted from the account you designate as your Bill Pay Account on the Payment Initiation Date. Any payments you wish to make through this service must be payable in U.S. Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payment may be made using the service from time to time. You should not use Bill Payment ser vice to make payment to settle securities purchases, payments to interest bearing accounts, tax payments, or individual court ordered payments (e.g., alimony or child support payments). Payments for these payees within will be your sole responsibility if delayed or improperly process or credited. Funds must be available in your Bill Pay Account, including overdraft lines of credit, on the United States through scheduled Payment Initiation Date. If the Payment Initiation Date falls on a non-business day, funds must be available in your Bill Pay Account the following business day. After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payments either by transferring funds electronically to the payee or by mailing the payee a check. If your Bill Pay Account does not have sufficient available funds to make a payment as of the payment Initiation Date, the pa yment will be canceled and no further attempt will be made by NorthSide Community Bank to make the transfer or payment. NorthSide Community Bank will attempt to notify you by e-mail or U.S. Postal Mail, but NorthSide Community Bank shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient available funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or reschedule the payment via Bill Payment Service. In the case of Recurring Payments, only the payment currently scheduled will be canceled. Recurring Payments scheduled for future dates will not be affected. You must schedule the Payment Initiation Date at least seven (7) business days before any Payment Due Date (that is the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). Otherwise, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If the session during which you schedule a payment or transfer ends by 6:00PM Central Standard Time, NorthSide Community Bank will be considered to have received it on that day. Otherwise, it will be considered received the following business day. For all entries made using the service, the time recorded by the online banking service controls. The way to cancel or change a payment is to use the Bill Payment Service. By furnishing us with Payments must be changed or canceled using the names of your payees and their addresses, Bill Payment Service prior to 6:00PM CST on the business day the transaction is scheduled to be initiated. If you authorize ask us to follow the payment instructions you provide us via Online Banking. Payments may be made either electronically or by paper draft, depending upon the payee’s ability to receive electronic payments. When we receive cancel a payment instruction from youafter it is issued and we agree to do so, we will process charge you a stop payment fee to stop the bill payment. Stop Payment Orders, whether oral, written, or electronic, will be in effect for a period of six months. If request by NorthSide Community Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed to continue in effect. NorthSide Community Bank may pay any item that instruction on is presented following the day you specified lapse of any stop payment order. NorthSide Community Bank is only responsible for exercising ordinary care in processing and sending payments upon your instruction (“Payment Date”)authorization in accordance with this Agreement. Some payees have special processing requirements for receiving payments, and some may require that your payment be accompanied by a coupon or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment requirements. We NorthSide Community Bank will not be liable in any way for delays in mail delivery, for changes to the payee’s address or account number (unless you have advised us of the change sufficiently in advance), for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any delay in processing or mis-posting by such payees where a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through other circumstances beyond the Service, and you are responsible for any and all control of such fees and charges. b. You must allow sufficient time for payment. Payments using Online Banking require sufficient time for delivery and for your payee to credit your account properly. To avoid incurring late fees or finance charges, you must schedule a payment sufficiently in advance of the date you want your payment to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You haveNorthSide Community Bank.

Bill Payment Service. a. Generally, the bill payment service allows The Bill Payment Service permits you to schedule the use your Internet-enabled device to direct payment of from your bills from designated Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment Service, you can pay bills from your Bill Pay Account to businesses and individuals. All payments you make will be deducted from the account you designate as your Bill Pay Account for the Bill Payment Service. Any payments you wish to make through this service must be payable in US Dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payment may be made using the Bill Payment Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payment to interest bearing accounts, tax payments or court ordered payments. Payments to these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to initiate falls on a non-business day (Saturday, Sunday or Holiday), funds must be available in your Bill Pay Account the following business day (e.g. Monday). After the funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may pay merchants choose to schedule a payment to recur in the same amount on a regular weekly, monthly, or individual payees within semi-monthly basis. When you create a new payee in the United States Bill Payment Service, it has a temporary status until we have had sufficient time to set up the account and for your business payee to verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow at least three (3) business for electronic payments and five (5) business days for check payments between the date you schedule a payment to be initiated and the payment due date (this is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be responsible for all late fees, finance charges or other actions taken by the payee. If you schedule your payment and follow all instructions provided, but the payee does not receive the payment in a timely manner, we will work with the payee on your behalf to attempt to have any late fees or charges reversed. Freedom Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorizations in accordance with this Agreement. We will not be liable in any way for damages you may incur as a result of the circumstances set forth in the heading LIABILITY" below or for any other circumstance beyond the control of Freedom Bank. If the session during which you schedule a payment or transfer ends by 3:00 pm, Freedom Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries using the service, the time recorded by the Online Banking Service controls. If your Bill Pay Account does not have sufficient funds to make a payment as of the date of the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by Freedom Bank to make the transfer or payment. Freedom Bank will attempt to notify you by e-mail or US Postal Mail, but we shall have no obligation or liability if we do not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through the Bill Payment Service. By furnishing us with In the names case of your payees and their addressesfixed payments, you authorize us to follow only the payment instructions you provide us via Online Bankingcurrently scheduled will be canceled. Payments may be made either electronically or by paper draft, depending upon the payee’s ability to receive electronic payments. When we receive a payment instruction from you, we will process that instruction on the day you specified in your instruction (“Payment Date”). Some payees have special processing requirements Fixed payments scheduled for receiving payments, and some may require that your payment be accompanied by a coupon or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment requirements. We future dates will not be liable affected. Payment changes or cancellations should be made through the Bill Payment Service. If certain information that you provided to us when setting up the Bill Payment Service for any delay a payee changes, or if you wish to cancel a bill payment to a payee that you have scheduled, you may edit the payment information or delete the payment online via the Bill Payment Service by following the onscreen instructions in processing or mis-posting by such payees where the Pending transactions" section. If the payment is not listed and you ask us to cancel a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through the Serviceafter it is issued, and we agree to do so, we may charge you are responsible a stop payment fee. Stop payment orders, whether oral, written or electronic will be in effect for a period of six (6) months. If requested by Freedom Bank, you will confirm any stop payment order in writing. After six months, any stop payment will be terminated and all must be renewed in order to continue in effect. Freedom Bank may pay any item that is presented following the lapse of such fees any stop payment order. Bill Pay daily limitation: $19,999.99. Schedule of Fees Freedom Bank currently offers the benefits and charges. b. You must allow sufficient time for payment. Payments using convenience of the Online Banking require sufficient time Service and the Bill Payment Service at no cost. However, Freedom Bank reserves the right to charge a fee in its discretion in the future upon advance notice along with an opportunity for delivery you to terminate the Service at your option in accordance with the procedures set forth in paragraph C of Term and for Termination below. Statements You will continue to receive your payee to credit your regular monthly account properly. To avoid incurring late fees or finance charges, you must schedule a payment sufficiently in advance of the date you want your payment to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You havestatements from Freedom Bank.

Bill Payment Service. a. Generally, the bill payment The Bill Payment service allows permits you to schedule direct payments to businesses or individuals you wish to pay from the payment of your bills from designated online Bill Pay Account selected during the enrollment process. Your Bill Pay Account must be a checking account. Money Market accounts are not applicable. In addition, you may select alternate checking accounts from which to pay your bills. All payments you make will be deducted from the designated Bill Pay account. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You may pay merchants or individual payees within the United States through should not use the Bill Payment ServiceService to make payments to settle security purchases; payments to interest bearing accounts, tax payments, or court ordered payments. By furnishing Payments to these payees will be your sole responsibility if delayed or improperly processed or credited. Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check. You may choose to schedule payments to recur in the same amount at regular weekly, monthly or semi-monthly intervals. When you create a new payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the names of your payees and their addressespayee. For all subsequent payments, you authorize us agree to follow allow at least ten (10) business days between the date you schedule a payment to be initiated and the payment instructions you provide us via Online Banking. Payments may be made either electronically due date (that is, the due date shown on your invoice or by paper draft, depending upon provided in your agreement with the payee’s ability to receive electronic payments. When we receive a payment instruction from you, we will process that instruction on the day you specified in your instruction (“Payment Date”not taking into account any applicable grace period). Some payees have special processing requirements If you do not, you will be fully responsible for receiving paymentsall late fees, and some may require that finance charges or other action taken by the payee. If you schedule your payment be accompanied and follow all instructions provided, but the payment is not received by the payee in a coupon timely manner, Dedham Savings will work with the payee on your behalf to attempt to have any late fees or additional information concerning charges reversed. Dedham Savings is only responsible for exercising ordinary care in processing and sending payments upon your accounts authorization in accordance with such payeethis Agreement. It is your responsibility to determine each payee’s specific payment requirements. We Dedham Savings will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee correctly to account for or credit the payment in a timely manner, or for any delay in processing or mis-posting other circumstances beyond the control of Dedham Savings. If the Online session during which you schedule a Bill Payment ends by such payees where 9:00 P.M. Eastern Time, Dedham Savings will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time is recorded by the Online Banking service controls. If your Bill Pay Account does not have sufficient funds to make a payment fails as of the date the transfer or payment is attempted or scheduled to meet such requirementsbe made, the transfer or payment will be canceled and no further attempt will be made by Dedham Savings to make the transfer or payment. Other financial institutions may impose their own fees In addition, your Designated account can be blocked due to overdrafts. If this occurs, no additional Bill Payments will be processed until the account is properly funded and charges for all payments or transfers that are cleared. Dedham Savings will attempt to notify you make through the by e-mail or U.S. Postal Service, and but Dedham Savings shall have no obligation or liability if it does not complete a transfer or payment because there are insufficient funds in your account to process a transaction. In all cases, you are responsible for any and all either making alternate arrangements for the payment or rescheduling the payment through the Service. In the case of such fees and chargesperiodic payments, only the payment currently scheduled will be canceled. b. You must allow sufficient time Periodic payments scheduled for paymentfuture dates will not be affected. The way to cancel or change a payment is to use the Your Link Bill Pay Service. Payments must be changed or canceled using Online Banking require sufficient time the Service prior to 9:00 P.M. Eastern Time on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written, or electronic, will be in effect for delivery and for your payee to credit your account properlya period of six months. To avoid incurring late fees or finance chargesIf requested by Dedham Savings, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must schedule a be renewed in order to continue in effect. Dedham Savings may pay any item that is presented following the lapse of any stop payment sufficiently in advance of the date you want your payment to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You haveorder.

Bill Payment Service. a. GenerallyYou can arrange, the bill payment service allows you to schedule at your option, for the payment of your current, future and recurring bills from a checking accountyour designated Bill Pay Account. You For Bill Payment Service, your Payee list may pay merchants or individual payees include utility companies, merchants, financial institutions, insurance companies, individuals, etc. within the United States whom you wish to pay through the Bill Payment Service. By furnishing us Please include the full name of the Payee and a complete mailing address and telephone number for each Payee, along with your account number with the names Payee, the amount of the Payment, and whether the Payment is recurring. The Bank reserves the right to decline to make Payments to certain persons and entities. You agree that any Payment for taxes, Payments that are court-ordered, government payments and Payments outside of the United States are prohibited and you agree that you will not attempt to use any Service to make these types of Payments. On recurring Payments, it is the responsibility of the account owner or designated authorized users to update Payee account information such as address changes, account numbers, etc. Payments are posted against your payees ledger balance, plus the available credit on your overdraft protection, if any, or other line of credit. You may schedule Payments to be initiated on the current Business Day, on a future date, or on the same date of each month. If you are scheduling a Payment for the current day it must be initiated prior to 3:00 p.m. C.S.T. Changes to previously scheduled Payments must be made before midnight C. S. T. the Business Day before the day it is to be initiated. Bank may, in its sole discretion, accelerate the effective time of any scheduled Payments or change requests. If the transaction is no longer showing a "Scheduled Payments" status, then the Payment cannot be modified or deleted. Although you can enter Payment information through the Service twenty-four (24) hours a day, seven (7) days a week, the Bank only initiates on Business Days. Funds must be available in your Account on the scheduled payment date. After funds are withdrawn from your Account to make a Payment, we may make the Payment either by transferring funds electronically to the Payee or by mailing the Payee a check. Funds will be deducted from your account (whether we make these Payments electronically or by Check) on: (a) the Business Day we process the Bill Pay request, if you schedule a Payment for processing the same Business Day as the day of receipt by us of that request; and their addresses(b) the Business Day immediately preceding the date you schedule a Payment for processing, if the Bill Payment is future dated (that is, set by you for processing on a future date). If you direct the initiation of a Payment to occur on a day other than a Business Day, it will be initiated on the previous Business Day. When you create a new Payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business Payees, verify information about your account. The Bill Payment service may provide a calendar feature that estimates the expected date of delivery of a scheduled Payment. This feature is an estimate only and not a guarantee of Payment delivery on that date. You should schedule a Payment to a new Payee at least ten (10) Business Days before any Payment due date. For existing Payees, please allow at least five (5) Business Days for electronic Payments to be processed and at least eight (8) Business Days for paper Checks to be delivered. Bank is not liable for any service fees or late charges levied against you due to postal delays or processing delays by the Payee. There is no limit on the number of Payees or number of Payments that may be authorized. The maximum per Payment amount is $10,000.00 and the minimum per Payment amount is $0.01. The maximim per Payment amount for person to person (P2P) payments is $300.00. The maximum daily amount for person to person (P2P) payments is $600.00. Nothwithstanding the minimum and maximum amounts described in this section or any other place in this Agreement, Bank may, in its sole discretion, impose limits and/or restrictions on the minimum and maximum amount and number os Payments with our without notice and at any time. You acknowledge and agree that if you describe a Payee inconsistently by name and account number, scheduled Bill Payment transactions to the Payee will occur on the basis of the account number, even if it identifies a person other than the named Payee. For all subsequent Payments, you agree to allow at least five (5) to eight (8) Business Days between the date you schedule a Payment to be initiated and the Payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other actions taken by the Payee. If you schedule your Payment and follow all instructions provided, and the Payment is not received by the Payee in a timely manner, a representative of Bank will work with the Payee on your behalf to have any late fees or charges reversed. When you schedule a Bill Payment, you authorize us to follow debit your qualified designated checking account for the payment instructions you provide us via Online Bankingrequested amount. Payments may be made either electronically or by paper draft, depending upon If sufficient funds are not available in your designated account when the payee’s ability to receive electronic payments. When we receive a payment instruction from youdebit is presented for payment, we may refuse to honor the debit and return it unpaid. At our sole discretion, we may elect to pay the debit regardless of the insufficient funds. In either event, your qualified designated account will process that instruction on be charged our then current fee for processing insufficient items, whether the day you specified in your instruction (“Payment Date”)debit is paid or returned, as applicable. Some payees have special processing requirements for receiving payments, and some may require that your payment be accompanied by a coupon or additional information concerning your accounts with such payee. It is your responsibility to determine each payee’s specific payment requirements. We will not be liable for any delay in processing or mis-posting by such payees where a payment fails to meet such requirements. Other financial institutions may impose their own fees and charges for transfers that you make through the Service, and you You are responsible for any loss or penalty that you may incur due to a lack of sufficient funds or other conditions that may prevent the withdrawal of funds from your account. Recurring Payments and all of such fees Transfers are those made for the same amount, on the same date, on a weekly, bi- monthly, monthly basis, etc. Once started, recurring Payments and chargesTransfers will be made automatically until you delete the Payment or Transfer or upon expiration. b. You must allow sufficient If the Payment is not a recurring Payment, it will be a “One-time for payment. Payment.” One-time Payments using Online Banking require sufficient time for delivery do not recur and for your payee to credit your account properly. To avoid incurring late fees or finance charges, are not made until you must schedule a payment sufficiently in advance enter the Payee and amount of the date current bill and submit the Payment. A recurring or future scheduled One-time Bill Payment Service transaction that you want your deleted must be deleted or the next Payment date changed before 3:00 p.m. C.S.T. of the Business Day before the current transaction date. A stop payment cannot be placed on an Electronic Bill Payment transaction once issued. However, a stop payment can be placed on a Bill Payment transaction by Bill Payment check any time prior to arrive: FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE. c. Canceling Payments. You have9:00 a.m.