Terms & Conditions

BILL PAYING AGREEMENT/TERMS & CONDITIONS

This is your bill paying agreement with CADENCE BANK, N.A. You may use CADENCE
BANK, N.A.'s bill paying service to direct CADENCE 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 (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means
anyone, including Cadence Bank, you designate and Cadence 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. Cadence Bank reserves the right to refuse the designation of a Payee for any reason. Each Payee accepted by Cadence Bank will be assigned a payee code. You may pay any payee you wish in the US. Cadence Bank is not responsible if a Bill Payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list.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 form, you will select a USER ID and
Personal Identification Number (PIN). Cadence Bank will make every effort to
accommodate your request. Each time you access the Service, you will be asked to enter
your USER ID AND PIN. Correct responses will give you access to the Service.

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,
which is controlled by the financial institution, is currently 3:00 p.m. CDT. 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 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 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 payment’s “Pay Backward” option is not selected (or if the “Pay Backward”
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 FIVE (5) BUSINESS DAYS,
PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For midwest
subscribers, allow 7 days and for west coast subscribers, allow 8 days.) 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 Cadence Bank. Cadence 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 Financial Institution 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 Cadence Bank, at its option, may charge any of your accounts with Cadence Bank to cover such payment obligations.

Cadence 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 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 Cadence Bank 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. Cadence 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. Cadence Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify Cadence Bank after you learn that you have not received credit from a Payee for a Bill Payment. Cadence 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 Cadence Bank's agent. In any event, Cadence 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 Cadence Bank has knowledge of the possibility of them. Cadence 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 Cadence Bank's reasonable control.

Amendment and Termination

Cadence 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 Cadence Bank's records, by
posting notice in branches of Cadence Bank, or as otherwise permitted by law.

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

Fees

Overnight Rush Fee: $14.95

2nd Day Rush Fee: $9.95

Gift Pay Fees will include:

Gift Check: $2.99

Charitable Donations Fee: $1.99

Cadence 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 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.