Terms & Conditions

This is your bill paying agreement with Resource Bank, N.A.

You may use Resource Bank, N.A. bill paying service, to direct Resource Bank, N.A. 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.

"You" or "Your" means each person who is authorized to use the service. "Payee" means
anyone, including the Financial Institution, you designate and the Financial Institution
accepts as a "Payee".
ACCESSING THE SERVICE

* When you complete your bill paying enrollment form, you will select a User I.D. and a
Personal Identification Number (PIN).
* The Financial Institution will make every effort to accommodate your request.
* Each time you access the service, you will be asked to enter your User I.D. and PIN.
* Three (3) incorrect login attempts will cause the account to be locked out.

HOW TO SET UP PAYEES/PAYMENTS
* If you want to add a new "PAYEE", select the "Payee" tab located in your Bill Pay
application or speak to a service representative.
* You may add a new fixed payment to a "Payee" 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 Financial Institution reserves the right to refuse the designation of a "Payee" for any
reason.
* You may pay any "Payee" within the United States (including U.S. territories and APO’s).
* Resource Bank, N.A. is not responsible for payments that can not be made due to
incomplete, incorrect, or outdated information.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 payment’s
process date, provided the payment is submitted prior to the daily cut-off time on that date.
The daily cut-off time is currently 2:00 p.m. Central Time.
A single payment submitted after the cut-off time on the designated process date will be
processed on the next business day. If you designate a non-business date (generally
weekends and certain holidays) as the payment’s 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 payment‘s "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 payment’s "Pay After" option is selected, 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.

SINGLE AND RECURRING PAYMENTS
The system will calculate the Estimated Arrival Date of your payment. This is only an
estimate. Please allow ample time for you payments to reach your "Payees".
CANCELLING A PAYMENT
A bill payment can be changed or cancelled, anytime prior to the cutoff time on the
scheduled process date.
AVAILABLE FUNDS
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 Resource Bank, N.A..
* Resource Bank, N.A. reserves the right, without liability, to reject or reverse a bill
payment if you fail to comply with the above requirement or any other term of this
agreement.
* If you do not have sufficient funds in the account and Resource Bank, N.A. 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 Resource Bank, N.A., at its option, may charge any of your accounts
with Resource Bank, N.A.to cover such payment obligations.

Resource Bank, N.A. 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 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 person's authority, you must notify Resource Bank, N.A.
and arrange to change your PIN.
* You will be responsible for any bill payment request you make that contains an error or is
a duplicate of another bill payment.
*Resource Bank, N.A. is not responsible for a bill payment that is not made if you did not
properly follow the instructions for making a bill payment.
* Resource Bank, N.A. is not liable for any failure to make a bill payment if you fail to
promptly notify the Financial Institution after you learn that you have not received credit
from a "Payee" for a bill payment.
* Resource Bank, N.A. 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 Resource Bank, N.A.'s agent.
* In any event, Resource Bank, N.A. 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 Resource Bank, N.A. has knowledge of the possibility of them.
* Resource Bank, N.A. 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 Resource Bank, N.A.'s reasonable control.
AMENDMENT TERMINATION
Resource Bank, N.A. has the right to change this agreement at any time by notice mailed to
you at the last address shown for the account on Resource Bank, N.A.'s records, by posting
notice in branches of Resource Bank, N.A., or as otherwise permitted by law.
* Resource Bank, N.A. has the right to terminate this agreement at any time.
* You may terminate this agreement by written notice to Resource Bank, N.A.
* Resource Bank, N.A. is not responsible for any fixed payment made before Resource
Bank, N.A. has a reasonable opportunity to act on your termination notice.
* You remain obligated for any payments made by Resource Bank, N.A. on your behalf.
SERVICE FEES
The fee for the Bill Paying Service is: $15.00 per month, for an unlimited number of monthly
payments.
When a payment you have scheduled is processed (see "The Bill Paying Process"), funds
sufficient to cover the payment are removed from your account with Resource Bank, N.A.
for transmittal to the designated Payee. In lieu of fees in addition to those listed herein,
once the funds are removed for processing, you will no longer earn, receive, or otherwise
be entitled to any interest, dividends, or other return on, or compensation for, the funds
removed.

Additional charges for customer requested services and other items.
There will be No Charge for any item if needed to correct a Resource Bank, N.A. error.

* ACH Return Fee: $10.00
* Overdraft Fee: $36.00


Resource Bank, N.A. 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.