Bill Payment Agreement & Disclosures

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1 Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures and the terms and cnditins set frth in this Bill Payment Agreement & Disclsures ( Agreement ) as each may be jintly and/r independently amended frm time t time. This Agreement is prvided in electrnic frm, and by using the Bill Payment Service yu agree t accept the Agreement in that frm. Please read the Agreement carefully because it is ur legal agreement with yu that gverns yur use f ur Bill Payment Service. 1. INTRODUCTION Thrugh nline banking yu may subscribe t ur ptinal Bill Payment Service. The Bill Payment Service allws yu t schedule payments thrugh the Internet fr current, future, and recurring bills frm yur checking accunt with us. Yu may use ur Bill Payment Service t direct us t make payments frm yur designated checking accunt t the Payees yu chse in accrdance with this Agreement. The terms and cnditins f this Agreement are in additin t the agreements, disclsures and ther dcuments in effect frm time t time gverning yur depsit accunt with us, including the Depsit Accunt Agreement & Disclsures ( Depsit Agreement ), and the Online Banking Agreement & Disclsures. "Bill Payment Service" and/r "Service" means the bill payment service that Carrll Cunty Trust Cmpany makes available ver the Internet with Paytraxx and is als a Service under the Agreement. "Bank", "we", "ur", r "us" means Carrll Cunty Trust Cmpany. "Accunt" means the depsit accunt yu designate t prcess Bill Payment transactins thrugh. "Payee" r "Merchant" means anyne yu designate and we accept as a payee. "Payment" means yur remittance t a payee. 2. REQUIREMENTS & RESTRICTIONS T subscribe t Bill Payment, yu must designate a specific checking accunt t prcess yur Bill Payment transactins thrugh. The accunt yu designate fr this purpse must be in gd standing with us in accrdance with ur criteria. Bill Payment is intended fr use nly by individuals and sle prprietrs. Other types f legal entities (partnerships, LLCs, crpratins) are nt permitted t use the Bill Payment Service. We will nt permit yu t use a mney market r savings accunt as yur designated Bill Payment accunt because federal regulatins require us t limit the number and types f transfers frm mney market and savings depsit accunts.

2 Requirements fr dual signatures n checks d nt apply t the Bill Payment Service. 3. PAYEE DESIGNATION Yu can use the Bill Payment Service t make payments t almst any Payee r Merchant yu want, including individuals, lcal service prviders, utilities, credit cards, r t make mrtgage r lan payments, r charitable dnatins, etc. The Bill Payment Service cannt be used t make payments fr the fllwing: Tax payments t the Internal Revenue Service r any state, lcal r ther gvernment agency; Curt-rdered payments such as child supprt r alimny; and Payees lcated utside f the United States. By furnishing us with the names f yur Payees (Merchants and/r individuals) and their addresses, yu give us authrizatin t fllw the Payment instructins, which yu prvide t us. When we receive a Payment instructin fr the current date r a future date, we will remit the funds t the Payee n yur behalf frm the funds in yur designated Accunt, n the day yu have instructed them t be sent ( Payment Date ). We are nt bligated t pay funds frm yur Accunt if the available Accunt balance is insufficient t cver the Payment. Funds fr ALL bill payments, whether paid electrnically r by check, will be withdrawn frm yur Accunt n later than three (3) business days fllwing the Payment Date. We are nt respnsible if a Payment cannt be made due t incmplete, incrrect, r utdated infrmatin prvided by yu regarding a Merchant, r if yu attempt t pay a Merchant that is nt n yur Merchant Accunts list. 4. MAKING / SCHEDULING PAYMENTS Yu may use the Bill Payment Service t authrize recurring payments r nnrecurring payments. Recurring payments are payments that yu schedule in advance t recur at substantially regular intervals in the same amunt t the same Payee. Recurring Payments may be scheduled fr up t ten (10) years. Nn-recurring Payments are a single, ne-time Payment t a specified Payee. Nn-recurring Payments may be scheduled t be initiated up t eighteen (18) mnths in advance. We limit the amunt f each individual Bill Payment transactin t $10, Payments are prcessed Mnday thrugh Friday at 1PM Central Time, except n Federal hlidays. If yu attempt t schedule a Payment n a weekend r Federal hliday, yu will be prmpted t select a different date, r the Payment

3 will be prcessed n the preceding business day if it is an aut recurring Payment. The Payment methd may be electrnic r by check. The first Payment t a Merchant must be scheduled at least five (5) business days prir t the due date fr each Payment (recurring r variable) t allw adequate time fr the Payment t reach the Payee. The due date is the date the Merchant has designated fr payment, and shuld nt be adjusted fr any grace perid r late date accmmdatins the Merchant may prvide. Once the Service has been ntified whether a Merchant accepts electrnic payments r requires a paper check, after making the first Payment t that Merchant, the Service will display a message indicating that the Merchant requires either a tw (2) day lead time fr an electrnic payment, r a five (5) day lead time if a paper check sent by regular mail is required. Any Payments made with the Bill Payment Service require sufficient time fr yur Payee t credit yur Accunt with them prperly. T avid incurring a finance charge r ther charge, yu must schedule a Payment sufficiently in advance f the due date f yur Payment. If yu fail t schedule yur Payment accrding t the recmmended timeframe, we will nt be respnsible fr the late fees r finance charges. We will nt be liable if any third party, thrugh whm any Payment is made, fails t prperly transmit the Payment t the intended Payee. Yu agree t have available cllected funds n depsit in the Accunt yu designate in amunts sufficient t pay fr all Payments requested, as well as any ther payment bligatins yu have t us. We reserve the right, withut liability, t reject r reverse a Payment if yu fail t cmply with this requirement r any ther terms f this Agreement. If yu d nt have sufficient funds in yur designated Accunt and we have nt exercised ur right t reverse r reject a Payment, yu agree t pay fr such payment bligatins n demand. Yu further agree that we, at ur ptin, may charge any f yur accunts with us t cver such payment bligatins. 5. CHANGE OR DELETE PAYMENTS / STOP PAYMENTS Any Payment can be changed r cancelled; prvided yu access the Service prir t 1PM Central Time n the business day the Payment is ging t be prcessed. We shall nt be liable t yu due t a stp payment request if yur rder t d s is nt presented prir t the time the check has cleared. Once the Payment has cleared, yu can n lnger stp payment. 6. PAYMENT GUARANTEE If all Payment guidelines were fllwed and a Payment is still psted late t yur Accunt with a Merchant resulting in a late fee, at ur discretin, we will

4 make an attempt t have the Merchant waive the late fees. If the Merchant is unwilling t waive late fees, up t $50 in late fees assessed by the Merchant will be cvered by us. Hwever, due t factrs beynd ur cntrl such as the U.S. Mail and payment prcessing at the Merchant, it is nt guaranteed that a Payment will pst n the fifth business day (r secnd, if issued electrnically). It is imperative t nte that Merchant grace perids are nt taken int cnsideratin, and if adequate lead time prir t the payment due date was nt allwed by yu in scheduling the Payment, this Guarantee is vid. NOTE: If the Merchant is nt willing t discuss late fees r status f the accunt with us, yu will be ntified and advised that the Merchant requires yur authrizatin befre further discussins can ccur between us and the Merchant. 7. LIABILITY Yu are slely respnsible fr cntrlling the safekeeping f and access t yur Bill Payment infrmatin. Yu are liable fr all transactins yu make, r that yu authrize anther persn t make, even if that persn exceeds his r her authrity. If yu want t terminate anther persn's authrity, yu must change yur Online Banking lgn passwrd. In the event that yu have experienced unauthrized access t ur Bill Payment, yu must ntify us f the unauthrized access, identify any Payments made r ptential Payments scheduled, and change yur lgn infrmatin. Yu will be respnsible fr any Payment request yu make that cntains an errr r is a duplicate f anther Payment. We are nt respnsible fr a Payment that is nt made if yu did nt prperly fllw the instructins fr making the Payment. We are nt liable fr any failure t make a Payment if yu fail t prmptly ntify us after yu learn that yu have nt received credit frm a Payee fr a Payment. We are nt respnsible fr yur acts r missins r thse f any ther persn, including, withut limitatin, any transmissin r cmmunicatins facility, and n such party shall be deemed t be ur agent. In any event, we will nt be liable fr any special, indirect, cnsequential, incidental, r punitive lsses, damages, r expenses in cnnectin with this Agreement r the Service, even if we have knwledge f the pssibility f them. We are nt liable fr any act, failure t act r delay in acting if it is caused, in whle r in part, by any cause beynd ur reasnable cntrl. 8. INACTIVITY If yu d nt access r use the Bill Payment Service fr a perid f mre than ninety (90) days, we may in ur sle discretin, terminate yur access t and use f the Bill Payment Service withut ntice t yu.

5 9. TERMINATION We reserve the right t terminate yur use f Bill Payment at any time withut prir ntice t yu. If, fr any reasn, yu shuld want t terminate yur use f ur Bill Payment Service, we recmmend that yu cancel all future Payments and transfers at the same time yu terminate the Service, either by deleting the Payments yurself r by cntacting the Bank as stipulated belw. We will delete all utstanding payments (bth ne-time and recurring), as part f yur Service terminatin. We are nt respnsible fr any fixed Payment made befre we have a reasnable pprtunity t act n yur terminatin ntice. Yu remain bligated fr any and all Payments made by us n yur behalf thrugh the Bill Payment Service. Shuld yu pt t discntinue any f the Accunts r Services t which this Agreement pertains, written ntice must be prvided t us immediately at the fllwing address. Carrll Cunty Trust Cmpany 2 Suth Flger St Carrlltn M AGREEMENT ASSIGNMENT AND AMENDMENT We may assign this Agreement t any affiliate, parent r ther cmpany. We may als assign r delegate certain f its rights and respnsibilities under this Agreement t such third parties as we may elect upn ntice t yu whereupn we shall be released frm any and all further liability r respnsibility related theret. We reserve the right t amend r cancel any f the prvisins f this Agreement, including changes t any fees, csts, r assessments. We may amend r cancel any prvisin r charge by disclsing the change electrnically, and, at ur ptin, by sending yu ntificatin in additin theret. We will prvide ntice f thirty (30) days f any changes (r such lesser perid as may be allwed by applicable law) unless an immediate change is necessary t maintain the security f the system. Yu may chse t accept r decline amendments, cancellatins r changes by cntinuing r discntinuing the accunts r services t which these changes relate, at yur ptin. We als reserve the ptin, in ur business judgment, t waive, reduce r reverse charges r fees in individual situatins.

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