Terms & Conditions

Thank you for enrolling in Islanders Bank Bill Pay. The most convenient way to pay your bills.
Upon approval, you can get started! ( This may take up to 48 hours).

BILL PAYING AGREEMENT/TERMS & CONDITIONS EFFECTIVE: 7/12/2017

Charges for Customer requested Services and Other Items:

These charges will only be assessed if you request one or more of the services listed here.
There will be NO Charge for any item if needed to correct an Islanders Bank error.

Written Correspondence to Payee: $10.00

Per proof of Payment not necessitated by a dispute: $10.00

Payments returned due to customer error: $5.00

NSF/OD: $30.00

Stop Payment Fee (effective 9/1/2017): $15.00

Rush Payment Fees will include:

Next Business Day Check Payment Fee: $19.95

Second Business Day Check Payment Fee: $14.95

Second Business Day Electronic Payment Fee: $4.95

Reinstate Fee: $50.00

Gift Pay Fees will include:

Gift Check: $2.99

Charitable Donations Fee: $1.99

Islanders Bank reserves the right to charge you for research time involving payments no
longer available in your screen history. You will be informed of any such charges before
they are incurred.

This is your bill paying agreement with Islanders Bank. You may use Islanders Bank's bill
paying service, BUSINESS BILL PAY PLUS, to direct Islanders Bank to make payments from your designated checking account to the Payees you choose in accordance with this agreement.
The terms and conditions of this Agreement are in addition to the Account agreements,
disclosures and other documents in effect from time to time governing your Account (the
Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including Islanders Bank, you designate and Islanders Bank accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE SET UP
ACCOUNTS/PAYEE ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE. You
may add a new fixed payment to a Payee, only if the Payee is on your authorized list of
payees, and by accessing the Service and entering the appropriate information. Most other
Additions, deletions, or changes can be made in writing or by using the Service. Islanders
Bank reserves the right to refuse the designation of a Payee for any reason. Each Payee
accepted by Islanders Bank will be assigned a payee code. You may pay any payee you
wish in the US. Islanders Bank is not responsible if a Bill Payment cannot be made due to
incomplete, incorrect, or outdated information provided by you regarding a Payee or if you
attempt to pay a Payee that is not on your Authorized Payee list.

ACCESSING THE SERVICE

When you complete your bill paying enrollment, you will select Multi Factor Questions and a Security Key Phrase. Islanders Bank will make every effort to accommodate your request. Each time you access the Service, your Security Key Phrase will display temporarily for security purposes. During future sessions, we?ll ask you some of your Multi Factor Questions if we feel there is a possibility that someone other than you is attempting to access your information.

THE BILL PAYING PROCESS

Single Payments

A single payment will be processed on the business day (generally Monday through Friday,
except certain holidays) that you designate as the payments process date, provided the
payment is submitted prior to the daily cut-off time on that date. The daily cut-off time,
which is controlled by Islanders Bank, is currently 1:00 PM (PST) A single payment
submitted after the cut-off time on the designated process date will be processed on the
following business day. If you designate a non-business date (generally weekends and
certain holidays) as the payments process date, the payment will be processed on the first
business day following the designated process date.

Recurring Payments

When a recurring payment is processed, it is automatically rescheduled by the system
Based upon your selected frequency settings for the payment a process date is calculated
for the next occurrence of the payment. If the calculated process date is a non-business
date (generally weekends and certain holidays), it is adjusted based upon the following
rules:

If the recurring payments Pay Backward (Pay Before) option is selected, the process date for the new
occurrence of the payment is adjusted to the first business date prior to the calculated
process date.

If the recurring payments Pay Backward (Pay After) option is not selected (or if the Pay Backward
(Pay After) option is not available), the process date for the new occurrence of the payment is adjusted
to the first business date after the calculated process date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the month of the
calculated process date, then the last calendar day of that month is used as the calculated
process date.

For Single and Recurring Payments YOU MUST ALLOW AT LEAST EIGHT (8) BUSINESS DAYS
PRIOR TO THE DUE DATE for each bill payment to reach the Payee. Any bill payment can
be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time
on the business day prior to the business day the bill payment is going to be initiated.

You agree to have available and collected funds on deposit in the account you designate in
amounts sufficient to pay for all bill payments requested, as well as, any other payment
obligations you have to Islanders Bank. Islanders Bank reserves the right, without liability,
to reject or reverse a bill payment if you fail to comply with this requirement or any other
terms of this agreement. If you do not have sufficient funds in the Account and the
Islanders Bank has not exercised its right to reverse or reject a bill payment, you agree to
pay for such payment obligations on demand. You further agree Islanders Bank, at its
Option, may charge any of your accounts with Islanders Bank to cover such payment
obligations.

Islanders Bank reserves the right to change the cut-off time. You will receive notice if it
changes.


LIABILITY

You are solely responsible for controlling the safekeeping of and access to, your Bill Pay Account. You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. If you want to terminate another person's authority, you must notify Islanders Bank. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. Islanders Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. Islanders Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify Islanders Bank after you learn that you have not received credit from a Payee for a Bill Payment. Islanders Bank is not responsible for your Acts or omissions or those of any other person, including, without limitation, any
transmission or communications facility, and no such party shall be deemed to be Islanders
Bank's agent. In any event, Islanders Bank will not be liable for any special, consequential,
incidental, or punitive losses, damages, or expenses in connection with this Agreement or
the Service, even if Islanders Bank has knowledge of the possibility of them. Islanders
Bank is not liable for any act, failure to act or delay in acting if it is caused, in whole or in
part, by any cause beyond Islanders Bank's reasonable control.

Amendment and Termination

Islanders Bank has the right to change this Agreement at any time by notice mailed to you
at the last address shown for the Account on Islanders Bank's records, by posting notice in
branches of Islanders Bank, or as otherwise permitted by law.

Islanders Bank has the right to terminate this Agreement at any time. You may terminate
this Agreement by written notice to Islanders Bank. Islanders Bank is not responsible for
any fixed payment made before Islanders Bank has a reasonable opportunity to act on your
termination notice. You remain obligated for any payments made by Islanders Bank on
your behalf.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic
Fund Transfers Disclosure Statement included, or, received when you opened your account,
which discloses important information concerning your rights and obligations.