Terms & Conditions

UNITED COMMUNITY BANK OF NORTH DAKOTA
BILL PAYING AGREEMENT/DISCLOSURE

This is your bill paying agreement with United Community Bank of ND.

You may use United Community Bank of ND bill paying service, EZBill Pay to direct United
Community Bank of ND 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 the Financial Institution, you designate and the Financial Institution
accepts as a “Payee”.

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” with-in the United States (including U.S. territories and
APO’s).
• The Financial Institution 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incomplete, incorrect, or outdated information.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 the Financial Institution, is
currently 2:00pm.

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 the Financial Institution.
• The Financial Institution 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 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 the Financial Institution, at its option, may charge any of your
accounts with the Financial Institution to cover such payment obligations.

The Financial Institution reserves the right to change the cut-off time. You will
receive notice if it changes.

LIABILITY
• 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 the Financial
Institution.
• You will be responsible for any bill payment request you make that contains an
error or
is a duplicate of another bill payment.
• The Financial Institution is not responsible for a bill payment that is not made if
you
did not properly follow the instructions for making a bill payment.
• The Financial Institution 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.
• The Financial Institution 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 Financial Institution's agent.
• In any event, the Financial Institution 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 Financial Institution has knowledge of the
possibility of them.
• The Financial Institution 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 Financial Institution's
reasonable control.

AMENDMENT TERMINATION

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

SERVICE FEES

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 United Community
Bank
of ND 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 Financial Institution error.

• Written Correspondence to “Payee” : $10.00
• Per proof of payment not necessitated by a dispute: $10.00
• Payments returned due to customer error: $5.00
• Reinstate Fee: $50.00
• Cancellation Fee: $7.50
• ACH Return Fee: $10.00
• Express Mail correspondence: $15.00
• Overdraft Fee: $26.85

Miscellaneous Product Fees

• Overnight Fee: $14.95
• 2nd Day Fee: $9.95
• Charitable Donations: $1.99
• Gift Pay: $2.99

The Financial Institution 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.