Terms & Conditions

BUSINESS BILL PAY AGREEMENT
Terms & Conditions of the Bill Pay Service
This is your agreement with Bank of Pontiac. By using Bank of Pontiac's Bill Pay Service you agree
to be bound to the terms and conditions herein.

BILL PAY SERVICE FEE
For Business Bill Pay, a $10 monthly fee will be assessed to your account (this is a static monthly fee that is assessed regardless of the number of bill payment transactions completed during the month). Business Bill Pay fees will be assessed on the first business day of the month following enrollment and agreeing to the Terms & Conditions.

DEFINITIONS
Agreement shall mean all terms and conditions defined herein.
Account Agreement shall mean the signature cards and accompanying documents the comprise the
deposit agreement and related services, including the terms and conditions of your account, online
banking user agreements, and as applicable, other agreements.
Financial Institution, Bank, We or Us refers to Bank of Pontiac
Service shall mean the Business Bill Pay Service offered by Bank of Pontiac.
Customer Service refers to Bank of Pontiac's customer service department.
You, Your or Subscriber shall mean the Bank of Pontiac client whose accounts are accessed to pay
bills in connection with use of the Service, and includes any person or user assigned rights to access
the software.
Payee shall mean the individual, business or other entity in which you intend to send a payment
through the Service and for which you accurately provide and maintain the appropriate or required
information such as name, remittance or delivery address, phone number, account number and
account holder information; and to whom you authorize the Financial Institution to remit payments
on your behalf through the Service.
Pay From Account is the checking account which You have designated to have debited for this
Service.
Payment Instruction is the information provided by You to the Service for a bill payment to be
made to the Payee. Information can include, but is not limited to, Payee name, Payee account
number and scheduled Payment Date.
Business Day shall refer to every Monday through Friday, excluding Federal Reserve holidays.
Due Date is the dated reflected on your statement from your Payee in which the payment is due.
Payment Date refers to the date in which you want your Payee to receive your payment. This day
can only be a Business Day and is not guaranteed. Delivery times may fluctuate depending on the
method of delivery (i.e. Payments processed as a check mailed to your payee will take longer to be
delivered than an electronic payment).
Process Date is the date that the payment is initiated. For electronic payments this is the date that
funds are verified and debited from the Pay From Account. For check payments this is the date the
check is mailed to the payee.
Pending Payment refers to a payment that has been scheduled through the Service but has not
begun processing.

PAYMENT SCHEDULING
The Service will display the earliest possible Payment Date for each Payee when you schedule a
payment. You will not be able to select a date that is earlier than the displayed Payment Date.
Should Your due date fall on a non-Business Day, it is recommended to schedule the Payment Date
for the Business Day prior to the Due Date. We are not responsible for any late charges or other
penalties should You fail to schedule payments in this manner. Recurring payments will display the
Process Date and future Process Dates will occur on the business day prior to each of the next
Payment Due Dates.

PAYMENT AUTHORIZATION AND REMITTANCE
By accepting this Agreement, you: (a) represent and warrant that you have full authority to do so, (b)
understand that the Service is only available through Bank's Online Banking Service, and (c) agree
that the security procedures described in the Online Banking Agreement apply to this Service and
are commercially reasonable. By providing the Service with names and account information of
Payees that You wish to direct payments, you authorize the Service to follow the Payment
Instructions that it receives by You through the Service. The Service may alter or edit payment data
(other than payment amounts) or data formats in accordance with Payee directives.

When the Service receives a Payment Instruction, you authorize the Service to debit your Pay From
Account and remit those funds on your behalf so that the funds will arrive as close as reasonably
possible to the Payment Date that You choose. You also authorize the Service to credit your Pay
From Account for payments returned to the Service by a postal service (including but not limited to
USPS, UPS, FedEx, etc.) or Payee, or payments remitted to you on behalf of another authorized
user of the Service.

The Service shall incur no liability if the Service is unable to complete any payment(s) You initiate
because of any one or more of the following circumstances:
1) Your Pay From Account does not have sufficient fund available to complete the transaction,
or the transaction would exceed the credit limit of an overdraft account linked to your Pay
From Account;
2) The payment processing center is not working properly and you know or have been advised
by the Service about the malfunction before you execute the transaction;
3) You do not provide the Service with the correct Pay From Account information, or the
correct name, address, phone number, or account information for the Payee; or
4) Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or
interference from an outside force) prevent the proper execution of the transaction and the
Service has taken reasonable precautions to avoid those circumstances.

Except for the foregoing, if the Service causes an incorrect amount of funds to be removed from
your Pay From Account or causes funds from your Pay From Account to be directed to a Payee
which does not comply with your Payment Instructions, the Service shall be responsible, as
applicable, to: (a) return improperly transferred funds to your Pay From Account, (b) redirect
misdirected transactions to the proper Payee, and (c), pay the Payee or reimburse your payment of
the Payee for late payment related charges.

PAYMENT METHODS
The Service reserves the right to select the method by which to remit funds to your Payee. These
payment methods include electronic or check payment, generally depending on whether the Payee
has been set up to accept electronic payments. For electronic payments, funds are debited on the
Process Date after available funds have been verified. If funds are not available on the Process
Date, the payment will be cancelled. If the payment is part of a recurring series, only that particular
payment will be cancelled, not the entire payment series.

For a check payment, funds are deducted from your Pay From Account when the check is
presented for clearing; no funds verification takes place. You are responsible to ensure you have
available funds for such a payment. Checks may clear any time after the Process Date, which may
be prior to the Payment Date.

When scheduling recurring payments, the Process Date shown is the date the funds will be verified
and debited from your account for the first payment date selected. Future Process Dates will occur
on the business day prior to each of the next Payment Due Dates.

The Service allows you to pay companies or individuals. Individual Payees may be set up by
entering the Payee's routing and account number or by using the Payee's email address and
allowing the Payee to input its routing and account number securely so that payments can be sent
electronically. Bill Payment limits are controlled by the Bank, and may change up or down at any
time without notice.

Payments to Payees outside of the United States or its territories are prohibited through the Service.

PAYMENT CANCELLATION REQUESTS
You may modify or cancel any scheduled payment at any time using the Service before the
Process Date (which is identified in the System for each Payment Instruction). Process Dates
are Monday through Friday until 2:00 p.m. (CST) excluding Federal Reserve holidays.

If you are unable to access the Service, we will need three Business Days in advance of the Process
Date to modify or cancel any scheduled payment, please contact Customer Service at 1-855-844-
6151. If you call, we may also require you to put your request in writing and forward it to us within
fourteen (14) days after you call. If the transaction is reoccurring, the notice must detail whether
the cancellation applies to only one of the recurring transactions, or all transactions in the
recurring stream.

STOP PAYMENT REQUESTS
The Service can only process a stop payment request on a check payment, and only if the check
has not cleared the account. The Service must have a reasonable opportunity to act on any stop
payment request. If you desire to stop payment on a check payment, you may do so through
Online Banking, contacting Customer Service or visiting a Bank of Pontiac location. If you call,
we may also require you to present your request in writing within fourteen (14) days after you call.
The charge for each stop payment request will be the current charge for such service as set out in
the Schedule of Fees. We will make a commercially reasonable effort to stop the payment per
your request, but shall bear no liability if unsuccessful.

eBILL
eBill is a Service feature that allows you to receive bills directly into the Service for Payees that
present bills electronically. You get to select which bills to receive through the Service, and may
establish rules regarding automated or manual payment of the bills. eBill will only accept electronic
bills. It provides you email or text message notification when a bill is received. eBill retains an
archive of bills received for each Payee through the Service while that Payee uses eBill; the archive
for a Payee is deleted when that Payee is removed from the Service. If you terminate eBill, the bill
archive for all Payees is deleted. eBill does not monitor whether a bill is timely received or is
missing; therefore, it is your sole responsibility to contact Payees if you do not receive a bill. In
addition, if you elect to activate one of the Service's electronic bill options, you also agree to the
following:

Activation - When a Payee is set up for eBill, the Service will notify the Payee of your request to
receive electronic billing information. The Service's receipt of the first electronic bill may vary from
Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee.
Therefore, keep making payments outside the Service until you receive a bill through the Service.
Each electronic Payee may choose whether to accept or deny your request to receive electronic bills.
Information provided to the payee - The Service is unable to update or change with the electronic
Payee your personal information (e.g., name, address, phone numbers, email address); you will
need to make such changes directly with the Payee. The Service does not provide the Payee your
personal information, such as addresses or other contact information. Rather, any such
information and receipt of statement information is by your provision of login credentials to the
Payee's site. It is your responsibility to maintain all usernames and passwords for all electronic
Payee sites. You also agree not to use someone else's information to gain unauthorized access to
another person's bill.
Authorization to obtain bill data - Your activation of eBill for a Payee shall be your authorization
for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to
provide us with your user name and password for that Payee. By providing us with such
information, you authorize us to use the information to obtain your bill data.
Notification - The Bank will use its best efforts to present all of your electronic bills promptly. In
addition to notification within the Service, the Bank may, but is not required to, send an email
notification or text message notification to the email address or mobile phone number listed for
your account. It is your sole responsibility to ensure that this information is accurate and that you
receive electronic bill payment notifications. The time for notification may vary from Payee to
Payee. Regardless of whether or not you receive a bill or notice of a bill through eBill, you are
responsible for ensuring timely payment of all bills.
Cancellation of electronic bill notification - The electronic Payee may cancel the delivery of
electronic bills at any time. You also may cancel electronic bill presentment at any time. The
timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may
take up to sixty (60) days, depending on the billing cycle of each Payee. The Bank will notify your
electronic Payee of the cancellation, but it is your responsibility to arrange for an alternative form of
eBill.
Non-Delivery of electronic bill(s) - You agree to hold the Bank harmless should the Payee fail to
deliver your statement(s). Copies of previously delivered bills must be requested from the Payee
directly.
Accuracy and dispute of electronic bill(s) - The Bank is not responsible for the accuracy of your
electronic bill(s). The Bank is only responsible for presenting the information we receive from the
Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or
detail must be addressed with the Payee directly. This Agreement does not alter your liability or
obligations that currently exist between you and your Payees.

ADMINISTRATOR AND SUB-USER RIGHTS AND ACCESS
The first authorized signer on a business account who enrolls in Business Online Banking is the
"Administrator." The Administrator is given rights within Business Online Banking and Business
Bill Pay to add or remove other users ("sub- users") and to modify sub-user access rights. When
the Administrator enrolls in Business Bill Pay, any existing or newly added sub-users will
automatically be able to do the following: schedule payments to existing payees on the Service,
review payment history, schedule reminders, access reports and access the message center. The
Administrator may, within the Service, change these sub-user default settings, such as by placing
dollar limits on payments, restricting access to reports, allowing the addition or deletion of Payees,
etc. The Administrator may also disable a sub-user's access to Business Bill Pay entirely through the
Service.

EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
Refer to Bank of Pontiac's Privacy Policy

ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges may be altered or amended by the Bank from
time to time. In such event, the Bank shall provide notice to you. Any use of the Service after the
Bank provides you a notice of change will constitute your agreement to such change(s). Further,
the Bank may, from time to time, revise or update the applications, services, and/or related
material, which may render all such prior versions obsolete. Consequently, the Bank reserves the
right to terminate this Agreement as to all such prior versions of the applications, services, and/or
related material and limit access to only the Bank's more recent revisions and updates. In addition,
as part of the Service, you agree to receive all legally required notifications via electronic means.

ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current
and accurate. This includes, but is not limited to, name, address, phone numbers and email
addresses. Changes can be made either within the Service or by contacting Customer Service. Any
changes in your Pay From Account should also be made in accordance with the procedures
outlined within the Service's Help function. All changes made are effective immediately for
scheduled and future payments paid from the updated Pay From Account information. The Bank is
not responsible for any payment processing errors or fees incurred if you do not provide accurate
Pay From Account or contact information.

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
You may terminate the Service at any time by contacting Customer Service. We may cancel,
suspend or limit your access to the Service at any time, without prior notice and for any reason.
After cancellation, suspension or limited access, the Service may be reinstated at Bank's
discretion. To inquire about reinstating your access to the Service, contact Customer Service.

RETURNED PAYMENTS
Payees and/or the United States Postal Service may return payments to the Service for various
reasons such as Payee's forwarding address expired; Payee account number is not valid; Payee is
unable to locate account; or Payee account is paid in full. The Bank will use its best efforts to
research and correct the returned payment and return it to your Payee, or void the payment and
deactivate the Payee. You may receive notification from the Bank.

INFORMATION AUTHORIZATION
Your enrollment in the Service may not be fulfilled if the Bank cannot verify your identity or other
necessary information. The Bank reserves the right to obtain financial information regarding your
account from a Payee or your financial institution (for example, to resolve payment posting
problems or for verification).

DISPUTES
In the event of a dispute regarding the Service, you and the Bank agree to resolve the dispute by
looking to this Agreement. You agree that this Agreement is the complete and exclusive statement
of the agreement between you and the Bank regarding the Service which supersedes any proposal
or prior agreement, oral or written, and any other communications between you and the Bank
relating to the Service. If there is a conflict between what a Bank or Customer Service Department
employee says and the terms of this Agreement, the terms of this Agreement will prevail.

CONTACT AND SUPPORT
Telephone ? You may contact us by telephone at (855) 844-6151 Toll Free; Business hours are
from 8:00 a.m. (CST) to 5:00 p.m. (CST) Monday ? Friday; 8:00 a.m. (CST) to 12:00 Noon
(CST) Saturday, excluding Bank holidays.

Postal Mail - You may write to us at Bank of Pontiac, PO Box 710, Pontiac, IL 61764
In Person - You may visit us in person at any of our branches.

ASSIGNMENT
You may not assign this Agreement to any other party. The Bank may assign this Agreement to
any future, directly or indirectly, affiliated company. The Bank may also assign or delegate certain
of its rights and responsibilities underthis Agreement to independent contractors or other third
parties.

NO WAIVER
The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such
waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in
exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other
rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any
rights or remedies on future occasions.

CAPTIONS
The captions of sections hereof are for convenience only and shall not control or affect the
meaning or construction of any of the provisions of this Agreement.

GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of
Illinois without regard to its conflicts of law's provisions. To the extent that the terms of this
Agreement conflict with applicable state or federal law, such state or federal law shall replace such
conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other
terms of this Agreement shall remain in full force and effect.

IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.