Terms & Conditions

BILL PAYING AGREEMENT/DISCLOSURE

The fee for the Bill Paying Service is: The first two months at no charge, $9 starting the
third month and those following, each transaction over 10 transactions will be charged a fee
of .50 cents per transaction.

This is your bill paying agreement with DeWitt Bank and Trust Co.

You may use DeWitt Bank and Trust Co. bill paying service, Business Billpay, to direct
DeWitt Bank and Trust Co. 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 DeWitt Bank and Trust Co., you designate and the DeWitt Bank and Trust
Co. 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).
• DeWitt Bank and Trust Co. 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.
• DeWitt Bank and Trust Co. reserves the right to refuse the designation of
a “Payee” for any reason.
• You may pay any “Payee” with-in the United States (including U.S. territories and
APO’s).
• DeWitt Bank and Trust Co. 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due to incomplete, incorrect, or outdated information.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, which is controlled by DeWitt Bank and Trust Co., is currently 3PM
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 your payments to reach your “Payees”.

CANCELLING A PAYMENT

A bill payment can be changed or cancelled, anytime prior to the cutoff time of 3PM Central
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 DeWitt Bank and Trust Co.
• DeWitt Bank and Trust Co. 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 DeWitt Bank and Trust Co.
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 DeWitt Bank and Trust Co., at its option, may charge any of
your accounts with DeWitt Bank and Trust Co. to cover such payment obligations.

DeWitt Bank and Trust Co. 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).
• If you want to terminate another person's authority, you must notify the DeWitt
Bank and Trust Co. 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.
• DeWitt Bank and Trust Co. is not responsible for a bill payment that is not made
if you did not properly follow the instructions for making a bill payment.
• DeWitt Bank and Trust Co. is not liable for any failure to make a bill payment if
you fail to promptly notify the DeWitt Bank and Trust Co. after you learn that you have not
received credit from a “Payee” for a bill payment.
• DeWitt Bank and Trust Co. 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 DeWitt Bank and Trust Co. agent.
• In any event, DeWitt Bank and Trust Co. 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 DeWitt Bank and Trust Co. has knowledge of the
possibility of them.
• DeWitt Bank and Trust Co. 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 DeWitt Bank and Trust
Co. reasonable control.

AMENDMENT TERMINATION

DeWitt Bank and Trust Co. 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 DeWitt Bank and Trust Co.
records, by posting notice in branches of DeWitt Bank and Trust Co., or as otherwise
permitted by law.
• DeWitt Bank and Trust Co. has the right to terminate this agreement at any
time.
• You may terminate this agreement by written notice to DeWitt Bank and Trust
Co.
• DeWitt Bank and Trust Co. is not responsible for any fixed payment made before
DeWitt Bank and Trust Co. has a reasonable opportunity to act on your termination notice.
• You remain obligated for any payments made by DeWitt Bank and Trust Co. on
your behalf.

SERVICE FEES

The fee for the Bill Paying Service is: The first two months at no charge, $9 starting the
third month and those following, each transaction over 10 transactions will be charged a fee
of .50 cents per transaction.

Additional charges for customer requested services and other items. There will be No
Charge for any item if needed to correct a Financial Institution error.

• Written Correspondence to “Payee”: $12.00.
• Per proof of payment not necessitated by a dispute: $12.00.
• Payments returned due to customer error: $7.00.
• Reinstate Fee: $55.00.
• Cancellation Fee: $9.50.
• ACH Return Fee: $12.00.
• Express Mail correspondence: $17.00.
• Overdraft Fee: $25.00.

Miscellaneous Product Fees

• Overnight Fee: $16.95.
• 2nd Day Fee: $11.95.


DeWitt Bank and Trust Co. 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.