This Online Banking Agreement and Disclosure Statement ("Agreement") sets forth your rights and obligations as a user of the Online Banking service ("Online Banking") and the Bill Payment service ("Bill Pay"). It also describes the rights and obligations of Union Savings Bank ("Union"). Please read this Agreement carefully. By requesting and using one of these products, you are agreeing to the terms and conditions of this Agreement. This Agreement is to be considered an Addendum to the terms and conditions of your account and the disclosure(s) provided by Union.

Union offers a number of services to its customers, which involve electronic fund transfers. Your use of Unionís Online Banking through www.bankwithusb.com is governed by this agreement, your application for Online Banking, any instructions we provide on how to use Online Banking, as well as any other agreements applicable to the deposit or loan accounts you access through Online Banking. Any of these agreements may be amended from time to time. The regulations governing your deposit account(s) are set forth in documents provided to you at the time of account opening, including the "Important Information About Deposit Accounts Disclosure" or similar type document. This disclosure is also available upon request from any Union branch location.

  1. Definitions:

    The following definitions apply in this Agreement:

    1. "Authorized Representative" refers to a person with authority (with respect to the account);
    2. "Bill Payment" is the online service that enables the scheduling of bill payments using a personal computer;
    3. "ISP" refers to your Internet Service Provider;
    4. "Online Banking" is the internet-based service providing access to your Bank account(s);
    5. "Online Account" means the Bank account from which you will be conducting transactions using a Service;
    6. "Password" is the customer-generated code selected by you for use during the initial sign-on, or the codes you select after the initial sign-on, that establishes your connection to the Service;
    7. "PC" means your personal computer which enables you, with the Internet browser and ISP, to access your Online Account;
    8. "Time of day" references are to Eastern] [Mountain] [Pacific] Standard Time;
    9. "User ID" is the Bank-generated identification code assigned to you for your connection to the Service;
    10. "We", "us", or "Bank" refer to Pegasus Bank which offers the Services and which holds the accounts accessed by the Services
    11. "You" or "your" refers to the owner of the account or the authorized representative; and
    12. "Enhanced Login Security" or "Multi-Factor Authentication (MFA)" means enhanced security beyond User ID and password in order to access your online banking account.
  2. Access to Services:

    Online Banking and Bill Pay are FREE products that give you SECURE access to your Union accounts 24 hours a day, seven (7) days a week.

    You will gain access to your Online Account(s) through the use of your internet enabled device, your ISP, your password and your User ID. Access may be suspended for brief periods of time for purposes of maintenance, updating and revising the software.

  3. Online Banking Transactions:
    1. Account Access - You may access any or all of your savings and lending accounts using Online Banking. However, one of these accounts must be a checking account in order to establish the online banking relationship.
    2. Transfer of Funds - In addition to viewing account information, you may use Online Banking to conduct the transfer of funds. You may make one-time transfers or schedule future or recurring transfers between authorized deposit accounts, and/or to make loan payments. You may transfer funds between accounts including your checking, savings, and your home equity line of credit, provided there are sufficient funds in the account. Certificates of Deposit can be viewed only.

      Transfers between your accounts can be made at any time. Transfers made after 8 P.M. Monday through Friday and after 4 P.M. Saturday (Eastern Time), or on a Sunday or Federal Holiday could result in your transaction processing on the next business day. Transfers will occur provided there are no holds on your accounts and the funds are available for transfer. The time recorded by Online Banking will be considered the official time of the transaction.

      A transaction results page is available after the transfer showing the posting date and reference number. We recommend that you print this page for your records.

      NOTE: Because regulations require Union to limit preauthorized transfers (including Online Banking transfers), the following limitations apply:

      • Savings Deposit Accounts - You can make no more than 6 transfers per statement cycle by preauthorized or automatic transfer (including Debit/ATM), or by telephone, or Online Banking.
      • Money Market Plus Checking Accounts - You can make no more than 6 transfers per statement cycle by preauthorized or automatic transfer (including Debit/ATM), or by telephone or Online Banking; with no more than three (3) of these transfers by check, draft or similar order to third parties.
    3. New Services - New Online Banking services may be introduced from time to time. Union will notify you of any new services via the Online Banking Home page or other means. By using the new service subsequent to being notified of the terms and conditions of the new service, you are agreeing to and will be bound by those terms and conditions.
    4. Schedule of Fees - Union offers FREE Online Banking and Bill Pay services.

      Please refer to the Bankís fee schedule for any other fees related to your deposit account(s).

    5. Statements - You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.
  4. Security and Protecting Your Account:

    You are responsible for keeping your password and Online Account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines:

    • Do not give out your account information, Password, or User ID;
    • Do not leave your PC unattended while you are in the Bank's Online Banking Site;
    • Never leave your account information within range of others; and
    • Do not send privileged account information (account number, Password, etc.) in any public or general e-mail system.

    IMPORTANT: The Bank will never request your User Name and/or Password over the Internet. The only confidential communication that should occur between Union Savings and its customers should be via the "Secure Support" Link located at the top of every Online Banking web page. Always initiate your Online Banking or Bill Pay transactions by accessing our Online Banking link at www.bankwithusb.com.

    If you believe your password has been lost or stolen, or if you suspect any fraudulent activity on your account:

    1. Call the Bank immediately at (855) 247-0300; and
    2. Use the Password change feature within the Online Banking/User Option section of the website to change your Password.

    When you or any authorized user access Online Banking using your password, you authorize Union to follow the instructions we receive concerning your accounts and to credit and/or charge your accounts according to those instructions. Since your password protects access to your accounts, you agree that you will not share your password or make it available to another individual. If you share your password or make it available to another individual, you authorize that individual to access your accounts and thereby give us instructions relating to these accounts from this user. You also authorize us to comply with those instructions even if that individual exceeds your authorization. If you share your password with another individual, the only way that you can restore the security of your account is to change your User ID and/or password.

  5.  Electronic Mail (E-mail):

    To ensure secure e-mail communications, use the secure e-mail located within the "Secure Support" link at the top of every Online Banking web page. Communication by general e-mail is not secure and is not advised for confidential and personal information.

  6.  Systems and Software:

    Union shall not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems and software utilized by you to initiate or process banking transactions, whether such transactions are initiated or processed directly with our systems or through a third party service provider. You acknowledge that you are solely responsible for the adequacy of systems and software utilized by you to process banking transactions and the ability of such systems and software to do so accurately.

  7.   Bill Payment Services
    1. Description of Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Payment Account to third parties you wish to pay. Your Bill Payment Account must be a primary checking account. Through the Bill Payment Service, you can pay bills from your Bill Payment Account to businesses or individuals.

      All payments you make will be deducted from the checking account that you designate as your Bill Payment Account for the Bill Payment Service. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment Service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

    2. Scheduling Payments. Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Payment Account the following business day (e.g. Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

      You may choose to schedule payments to recur in the same amount at regular weekly, monthly, or semi-monthly intervals. When you create a new payee in the Bill Payment Service, it takes two (2) business days to set up the payee to receive payments. You should schedule a payment to a new payee at least ten (10) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee.

      For all subsequent payments, you agree to allow at least four (4) to ten (10) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If the payment is an Automatic Clearing House (ACH) electronic payment, it will take up to four (4) business days to reach the payee. However, if the company or person that you are paying cannot accept an electronic payment, the Bill Payment Service will send a check that may take up to ten (10) business days. If you do not follow these time frames, you will be fully responsible for all late fees, finance charges or other actions taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, the Bank will work with the payee on your behalf to reverse any late fees or charges.

    3. No Duty to Monitor Payments. The Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Bank will not be liable in any way for damages you incur for any of the following reasons:
      • insufficient funds in your Bill Payment Account to make the payment on the processing date;
      • delays in mail delivery;
      • changes to the payee's address or account number unless we've been advised of the change in advance
      • the failure of any payee to correctly account for or credit the payment in a timely manner, or
      • any other circumstances beyond the control of the Bank.

      If the session during which you schedule a payment or transfer ends by 2:00 p.m., the Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the Services, the time recorded by the Online Banking Service will be considered the official time of the transaction.

      If your Bill Payment Account does not have sufficient available funds to make a payment as of the date the payment is debited to your account, the item will be returned and may be processed as a collection item. The Bank will notify you by U.S. Postal Mail, but the Bank shall have no obligation or liability if it does not complete the payment because there are insufficient funds in your account to process the payment. In all cases, you are responsible for contacting the Bill Pay Department at (855) 247-0300 to either make alternate arrangements for payment or reschedule the payment through Bill Pay. In the case of fixed payments, only the payment currently scheduled will be impacted. Fixed payments scheduled for future dates will not be affected.

    4. Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 12:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders whether oral, written, or electronic, will be in effect for a period of six (6) months. If requested by the Bank, you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. The Bank may pay any item that is presented following the lapse of any stop payment order.
    5. No Signature Required. When any payment or other online Service generates items to be charged to your account, you agree that we may debit your Bill Payment account without requiring your signature on the item and without prior notice to you.
    6. Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique password but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service that will terminate the service for all enrolled persons on that Bill Payment account.
  8. Linked Accounts

    All accounts with Union that you enroll in Online Banking will be linked by the tax identification numbers of the persons authorized to access the account. The linked accounts will appear together without regard to ownership of the accounts. For example, if an authorized user accesses Online Banking, that authorized user will be able to view and access all accounts for which that person is a co-owner and/or an authorized user.

  9. Business Accounts

    If you are a business, any authorized user on the account is authorized on such terms, conditions and agreements as we may require, to:

    • Enter into this Agreement, as amended from time to time;
    • Access each account of the business and use Online Banking or Bill Pay in any manner and for any purpose whether now available or available at some time in the future.
  10. Term and Termination
    1. Term - This Agreement will become effective upon acceptance and shall remain in full force and effect until termination for either cause or convenience.
    2. Termination for Cause - We may immediately terminate your electronic banking privileges (including Bill Pay) without notice to you in accordance with the following provisions:
      • You do not pay any fee required by this Agreement when due or,
      • You do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

      We will promptly notify you if we terminate this Agreement or your use of the Services for any other reason.

    3. Termination for Convenience. To terminate this Agreement, you must notify the Bank and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated. You may notify the Bank by one of the following methods:
      • Sending a secure e-mail through our "Secure Support" link at the top of any Online Banking web page;
      • Calling (513) 247-0300 and asking for the Online Banking Administrator, or calling Toll Free (855) 247-0300;
      • Mailing a letter to Union Savings Bank, Attn: Online Banking Administrator, 8534 E. Kemper Road, Cincinnati, Ohio 45249-3701; or
      • Informing a Customer Service Representative at any Union branch office.

      If you are not using Bill Pay during any consecutive 90- day period, we may terminate your Bill Pay account. To reactivate Bill Pay, please contact your local branch office or call (855) 247-0300.

  11.  Electronic Fund Transfer Provisions For Consumers
    1. Applicability. These provisions are only applicable to online electronic fund transfers that credit or debit a consumerís checking, savings or other asset account and are subject to the Electronic Fund Transfer Act (Regulation E). When applicable, the Bank may rely on any exceptions to these provisions that are contained in Regulation E. All terms that are not defined in this Agreement, but which are defined in Regulation E shall have the same meaning when used in this section.
    2. Consumer Liability - Lost or Stolen Password/Unauthorized Transfers - The following determines your liability for any unauthorized electronic fund transfer ("EFT") or any series of related unauthorized EFTs. Call us AT ONCE at (855) 247-0300 if you believe your password has been lost or stolen, or if you believe an electronic fund transfer has been made without your permission using Online Banking. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account plus your maximum overdraft protection amount available.

      If you believe that your password has been lost or stolen, please use the password change feature within Online Banking to change your password. As a general rule, it is a good practice to change your password on a periodic basis.

      1. If you notify the Bank within two (2) business days after learning that your password was lost or stolen, your liability will not exceed $50.00 or the amount of the unauthorized EFTs that occur before notification, whichever is less. Each owner is responsible for transactions conducted by individuals with whom User ID and/or Password or other key information have been shared.
      2. If you fail to notify the Bank within two (2) business days after learning that your password was lost or stolen, your liability will not exceed the lesser of $500.00 or the total of:
        • $50.00 or the amount of unauthorized EFTs that occur within the two (2) business days; plus
        • the total of unauthorized EFTs which occur after the first two (2) days and before the customer gives notice to the Bank, provided the Bank establishes that these EFTs would not have occurred had the Bank been notified within that two-day period.
      3. Also, if your statement shows a transfer that you did not make, tell us at once. You must report an unauthorized EFT that appears on your periodic statement, no later than 60 days after we send you the statement to avoid unlimited liability for all unauthorized transfers made after the 60-day period. The consumerís liability for unauthorized transfers before the statement is sent, and up to the 60 days following, is determined based on the first two tiers of liability as stated above.
    3. Telephone Numbers and Addresses. Telephone Numbers and Addresses - In case of errors or questions about your electronic transfers, telephone us immediately at (513) 247-0300 or Toll Free (855)-247-0300 or write us at:

      Union Savings Bank
      Attn: Error Resolution Administrator
      8534 E. Kemper Road
      Cincinnati , Ohio 45249-3701

      Business Days: Monday through Friday, excluding Federal holidays
      Business Hours: 8:00 a.m. to 5:00 p.m. Eastern Standard Time

      If you think your statement is wrong, or if you need more information about a transfer listed on the statement, please contact us as soon as possible as noted above. We must hear from you no later than 60 days after we sent the FIRST statement in which the problem or error occurred. Please include the following:

      1. Tell us your name and account number;
      2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
      3. Tell us the dollar amount of the suspected error.

      If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

      We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If this occurs, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error. This will allow you the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

      We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that were used in the investigation.

    4. Union's Liability - This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Online Banking or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any material losses or damages incurred by you and resulting directly from our gross negligence. We will not be liable to you in the following instances:
      1. If through no fault of the Bank, you do not have enough money in your account to make the transfer, or the transfer would exceed your available overdraft protection;
      2. If circumstances beyond our control (such as fire, flood, power outages, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken;
      3. If there is a hold on your account, or if access to your account is blocked in accordance with Bank policy;
      4. If your funds are subject to a legal proceeding or other encumbrance restricting the transfer;
      5. If your transfer authorization terminates by operation of law;
      6. If we have received incomplete or inaccurate information from you or a third party involving the account or transfer;
      7. If you have not properly followed the instructions on how to make a transfer included in this Agreement;
      8. If you believe someone has accessed your accounts without your permission and you fail to notify the Bank immediately;
      9. If we have a reasonable basis for believing that an unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.

      IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.

    5. Indemnification - You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees & agents harmless against any third party claim, demand, suit, action or other proceeding & any expenses related to an Online Banking or Bill Pay account.
    6. Third Parties - We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider (such as Netscape Navigator or Microsoft Explorer), by an internet access provider, or by an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to, or failure to access an Online Banking or Bill Pay account.
    7. Virus Protection - Union is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using an up-to-date anti-virus protection product. An undetected virus may corrupt and destroy your programs, files, and your hardware.
  12.   General Terms and Conditions
    1. Bank Agreements - In addition to this Agreement, you and Union agree to be bound by and comply with the requirements of the agreements applicable to each of your online accounts. Your use of the Online Banking or Bill Pay is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures including the "Important Information About Deposit Accounts Disclosure" (or similar type disclosure) and the Fee Schedule available at any Union branch office upon request. Please familiarize yourself with all account terms, including any limitations on the number of transfers each month.
    2. Changes and Modifications - Union may modify this Agreement and the terms and conditions applicable to Online Banking and Bill Pay services from time to time and at any time. Notice of any modification may be given to you on your periodic checking
    3. account statement, in the Online Banking "message of the day" or by any other means. The revised terms and conditions shall be effective at the earliest date allowed by applicable law.

    4. Termination - We reserve the right to terminate this Agreement and your use of services in whole or in part at any time without prior notice.
    5. Assignment - We may assign this Agreement to an affiliate of the Bank or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or substantially all assets of the business to which this Agreement is related without the other party's prior written consent.
    6. Notices - Unless otherwise required by applicable law, any notice or written communication given pursuant to this Agreement may be given to you on your periodic checking account statement, in the Online Banking "message of the day" or by other means.
    7. Disclosure of Information - We will only disclose information to third parties about your account or transfers you make under the following circumstances:
      • Where it is necessary for the provision of Online Banking & for completing transfers;
      • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
      • In order to comply with governmental or court orders, or other reporting requirements; and
      • If you give us your permission.
    8. Governing Law - This Agreement is governed by the laws of the State Ohio and applicable federal law.

I have read the Online Banking Agreement and Disclosure Statement displayed and agree to its terms and conditions.


TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE


SERVICE DEFINITIONS

"Service" means the Bill Payment Service offered by Union Savings Bank, through CheckFree Services Corporation.

"Agreement" means these Terms and Conditions of the bill payment service.

"Payee" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

"Payment Instruction" is the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date).

"Payment Account" is the checking account from which bill payments will be debited.

"Billing Account" is the checking account from which all Service fees will be automatically debited.

"Business Day" is every Monday through Friday, excluding Federal Reserve holidays.

"Scheduled Payment Date" is the day you want your Payee to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

"Due Date" is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period.

"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.

PAYMENT SCHEDULING
Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period.

THE SERVICE GUARANTEE
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives.

When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Payee, or payments remitted to you on behalf of another authorized user of the Service.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

  1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
  2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
  3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Payee; and/or,
  4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges.

PAYMENT METHODS
The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.

PAYMENT CANCELLATION REQUESTS
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

STOP PAYMENT REQUESTS
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

PROHIBITED PAYMENTS
Payments to Payees outside of the United States or its territories are prohibited through the Service.

EXCEPTION PAYMENTS
Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.

BILL DELIVERY AND PRESENTMENT
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:

Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill.

Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills.

Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly.

Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly.

This Agreement does not alter your liability or obligations that currently exist between you and your Payees.

EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

PASSWORD AND SECURITY
You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 1-855-247-0300 during customer service hours.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

ERRORS AND QUESTIONS
In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:

  1. Telephone us at 1-855-247-0300 during customer service hours;
  2. Contact us by using the application's e-messaging feature; and/or,
  3. Write us at:
    Union Savings Bank
    8534 E Kemper Rd
    Cincinnati,OH,45249-3701

If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:

  1. Tell us your name and Service account number;
  2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

  1. Where it is necessary for completing transactions;
  2. Where it is necessary for activating additional services;
  3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee;
  4. To a consumer reporting agency for research purposes only;
  5. In order to comply with a governmental agency or court orders; or,
  6. If you give us your written permission.

SERVICE FEES AND ADDITIONAL CHARGES
Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

FAILED OR RETURNED TRANSACTIONS
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:

  1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;
  2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;
  3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return;
  4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,
  5. The Service is authorized to report the facts concerning the return to any credit reporting agency.

ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates.

ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
In the event you wish to cancel the Service, you may have the ability to do so through the product, or you may contact customer service via one of the following:

  1. Telephone us at 1-855-247-0300 during customer service hours; and/or
  2. Write us at:
    Union Savings Bank
    8534 E Kemper Rd
    Cincinnati,OH,45249-3701

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

PAYEE LIMITATION
The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

RETURNED PAYMENTS In using the Service, you understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account. You may receive notification from the Service.

INFORMATION AUTHORIZATION
Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Payee or your financial institution (for example, to resolve payment posting problems or for verification).

DISPUTES
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

ASSIGNMENT
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

NO WAIVER The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

CAPTIONS
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.