Terms & Conditions

STRIDE BUSINESS BILL PAY AGREEMENT/DISCLOSURE

The Stride Business Bill Pay product has a $9.95 monthly service charge and unlimited
transactions during the month.

This is your bill paying agreement with Stride Bank. You may use Stride Bank bill paying service, Stride Business Bill Pay, to direct Stride Bank to make payments from your designated checking account to the payee 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 Stride Bank (Bank), you designate and the Bank accepts as a
payee.

CUSTOMER SERVICE AND QUESTIONS
For your convenience please call Subscriber Services at 1-877-603-7976 for any questions
regarding the use of the service, additional services needed and any technical problems you
may have with your computer setup.

HOW TO SET UP PAYEE/PAYMENTS
You must complete a Stride Business Bill Pay enrollment form prior to setting up payees.
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 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. The Bank reserves the right to refuse the designation of a
payee for any reason. Each payee accepted by the Bank will be assigned a payee code. You
may pay almost any payee you wish. There are several restrictions:

1) The merchant must be located in the United States
2) Payments may not be remitted to tax authorities or government and collection
agencies
3) Payments may not be remitted to securities companies such as Ameritrade for
stock purchases or trade taxing authorities
4) Court directed payments are unauthorized (alimony, child support, or other legal
debts)

You can use this system to send payments to your son/daughter in college, pay
your local orthodontist, credit cards, charitable donations, etc. A merchant is defined as
anybody (company or individual) to whom you want to send money.

The Bank is not responsible if a Bill Payment can not be made due to incomplete 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outdated information provided by you regarding a payee or if you attempt to pay a payee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 enrollment, you will be given access to the Service.
The Bank will make every effort to accommodate your request.

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 the Bank, is currently 2 PM Central Time. 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 selection of 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 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 Backwards option is not selected (or if the Pay Backward
option is not available), the process date to the new occurrence of the payment is adjusted
to the first business date after the calculated process date.

For single and recurring payments, YOU MUST ALLOW AT LEAST FIVE (5) TO SEVEN (7)
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 in the business day prior to the business day bill payment is going to be
initiated. Bill Payments sent by check after cut off time will need to have a Stop Pay placed on the item.
You may call Customer Service at 580-233-3535 to place the Stop Pay.

You agree to have available and collected funds on deposit in the account you designated in
amounts sufficient to pay all bill payments requested, as well as, any other payment
obligations you have to the Bank. The 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 Bank has not
exercised its rights to reverse or reject a bill payment, you agree to pay for such payment
obligations on demand. You further agree the Bank, at its option, may charge any of your
accounts with the Bank to cover such payment obligations.

The Bank reserves the right to change the cut-off time. You will be notified of any changes.

LIABILITY

You are solely responsible for controlling the safekeeping of, and access to, your
Personal Identification Number (PIN).
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
persons authority, you must notify the Bank and arrange to change your PIN.
You will be responsible for any Bill Payment request you make, even if that
payment contains an error or is a duplicate of another Bill Payment.
The Bank is not responsible for Bill Payment that is not made if you did not
properly follow the instructions for making a Bill Payment.
The Bank is not liable for any failure to make a Bill Payment if you fail to
promptly notify the Bank after learning that you have not received credit from a payee for
Bill Payment.
The 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 the Banks agent. In any event, the 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 the Bank has knowledge of the possibility of them.
The 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 the Banks reasonable control

AMENDMENT AND TERMINATION
The 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 the Banks records, by posting notice in branches of
the Bank, or as otherwise permitted by law.

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

FEES
The Stride Business Bill Pay product has a $9.95 monthly service charge with unlimited
transactions during the month.

Additional Fees 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 charges for any item needed to correct a Bank error.
Written Correspondence to payee $12.00
Proof of payment (per item) if not necessitated by a dispute $12.00
Payment returned due to customer error $7.00
The 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.

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

From time to time, communications may be sent to you electronically to the email address
you maintain in your profile.

Stride Bank
P.O. Box 3448
Enid OK 73702
www.stridebank.com
Main Bank Office 580-233-3535
Central Bill Pay Customer Service 877-603-7976